vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: PA

Complaint narrative:
I disputed an account with American Honda Finance with the XXXX major credit bureaus and directly with AHF. The credit bureaus and AHF both verified the accounts as being accurate and responded to my dispute in a timely fashion. But what they failed to do per the Fair Credit Reporting Act, was to update my account as being disputed within 5 days of receiving the dispute which according to the Federal Trade Commission is their responsibility and when not done, is a violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: CarMax, Inc.
State: CA

Complaint narrative:
We have been making {$1000.00} payment since XXXX ( payment 24 ) to pay off the vehicle early ; I have called numerous times complaining about the payment history not reflecting the payment ; instead they are moving the payment due date into the future ; it appears they are charging double finance charges ; payment is $ XXXX/monthly which includes interest however, you will see separate charges for additional interest and the interest charges seems to be excessive. 
I ca n't even understand the payment history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-22 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Comerica
State: NJ

Complaint narrative:
My XXXX XXXX card has been compromised, putting a pending hold on my entire account balance by an unauthorized scammer! I was told by your " customer service '' after XXXX attempts and an inability to reach someone in power, there is NOTHING that can be done to help me until the money is completely removed from my GOVERNMENT ISSUED account. I find this completely unacceptable! I had the card cancelled and now I can not get through to " customer service '' at all. They have blocked my calls to a live individual. This is almost {$5000.00} that does not belong to you or the scammers that are trying to bankrupt me!! This is supposed to be a safe card. I demand some kind of explanation and respect. 
I assure you that I never authorized what appears to be a XXXX business in XXXX California to take my mortgage money. Customer service suggested I XXXX the address and get back with them. I am XXXX the Attorney General and local paper ...

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: U.S. BANCORP
State: NY

Complaint narrative:
Received a call from US Bank numbers ( XXXX ), ( XXXX ) and ( XXXX ). I was told I qualified for a $ XXXX loan. They proceeded to pay off my XXXX XXXX credit card of {$1200.00} and they claimed it would bring my credit rating up. In turn I was told to then wire transfer XXXX from my credit card and in turn they would deposit the XXXX. That never happened. They soon cancelled the CC payment made to my XXXX XXXX. Today I telephone and was told to pay an extra XXXX. I am now submitting my complaint as I was scammed. 
The following individuals keep calling me from US Bank. 
XXXX XXXX and XXXX XXXX. All XXXX sounding voices and doubt that is their real names. 
XXXX, NY XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CFM Group LLC
State: NY

Complaint narrative:
I was contacted by XXXX XXXX of CFM Group of XXXX GA regarding a supposed {$680.00} debt from XXXX XXXX about a credit card machine that I owe. 
I signed a 3 year contract with XXXX a long time ago with a business that is now closed. The contract stated that in order for me to get the machine for free, I would need to fulfill a 3 year term. Little did I know it had a clause about auto-renewal. 
XXXX never contacted me in regards to the machine, waited a couple of years and sold my account and this supposed debt to CFM claiming I owe them the machine. 
Not once did I receive a notification by mail regarding this matter, even though I have given XXXX XXXX my home address. The only thing they sent me ( by email ) is a vague contract from XXXX. I have reviewed the contract and no where does it state the price of the machine and what I would need to pay. I have asked XXXX repeatedly to verify my debt and send me an invoice, any kind of invoice with the amount and detailing how much I owe ... and he has not done so. I even spoke to his supervisor who stated they dont have that information, all they get is an amount in an XXXX sheet from XXXX and are unable to provide me anything other than the contract. I wanted to send a legal correspondence to NAB and have asked them for a physical address ( XXXX XXXX XXXX ) and they refuse to give it to me. I 'm assuming this is so that they can say I never sent anything since I will not get delivery confirmation. 
In addition, XXXX constantly emails me my full social security number and I have asked him not to do so numerous times. My email was recently hacked and I 'm afraid my personal information is out there.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: FIRST ADVANTAGE CORPORATION
State: FL

Complaint narrative:
I just had a back grown check on me for a job and in getting a copy of the report, I see that it has a listing showing me living in XXXX. I have never even been to XXXX. I would like this taken off my Consumer Report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Lendmark Financial Services
State: DC

Complaint narrative:
LendMark Financial Services recently acquired XXXX XXXX XXXX in XXXX 2016. 
Consumer is a XXXX XXXX loan customer. An original loan in the amount of {$2000.00} + {$1000.00} with XXXX were granted to consumer in XXXX, WV store. The loan are rated sub-prime and loans APR are 24 % - 27 % to consumers with limited or marginal credit. Or less credit than most. 

Since Lendmark acquired XXXX, all loan requirements and paperwork are different to the XXXX consumer ; if loan funds are added the consumer must comply with inflated APR 's in each state. The APR can increase from existing loan amount sto a maximum of 36 %. 
Consumers are held to LendMark standards and no longer to the XXXX requirements ; means if consumer needs additional funds all loans are under new rules and regulations. 
Consumer contends that LendMark offers predatory loans and should have grandfathered -- XXXX loans with similar rates to the contracts signed at the time of lending. And, due to acquistiion consumers facing inflated APR amounts is n't fair practice. 
In addition, if consumer chooses to re-finance and/or pay-off a loan from one store to another ; why is consumer being rated at higher inflated APR rates ; due to state by state laws. 
LendMark Finanacial Services should not be providing predatory loans and inflated amounts merely because of acquisition ; and the purpose to recover acquisitions losses ; whereas the consumer will eventually be a part of said purchase.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Praxis Financial Solutions, Incorporated
State: FL

Complaint narrative:
This debt collection company calls my job multiple times a day and wo n't give any information who there or what they want. It 's embarrassing and they need to stop calling my job all the time. I have asked them to stop calling my place of employment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
Re : STELLAR RECOVERY, INC ( Collection company ) refused to Verify and Validate of Purported Debt pursuant the Fair Debt Collection Practices Act ( " FDCPA '' ), as stated in XXXX XXXX XXXX, for partial Account Number : XXXX, - hereinafter referred to as " Account. '' Dear Sir or Madam : On XXXX 2016 I found out from my credit report that STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX put a collection in my Credit report. On XXXX XXXX 2016 I sent XXXX letters to the STELLAR RECOVERY, INC ( " STELLAR '' ) Address : STELLAR RECOVERY, INC, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MT XXXX with attention to Dispute Department, to XXXX XXXX and to XXXX XXXX via XXXX XXXX Mail ( enclosed ), but all above people are refused to provide me with the copies of the requested letters which they should sent me before STELLAR file a collection with the XXXX and XXXX ( " credit bureaus '' ). Also, in XXXX STELLAR verified above account with the above credit bureaus. 

On my first request of verification ( enclosed ), I requested from the STELLAR to provide me with all copies of letters which STELLAR should sent me before they file/put negative marks on my credit reports with the XXXX and XXXX ( " credit bureaus '' ) by FDCPA law. But STELLAR refused to provide me any of requested copies. Now, I am demanding if STELLAR ca n't provide me with those copies, then STELLAR must to DELETE above account from the Credit Bureaus within next 15 days with the written confirmation. 

I would like to ask Consumer Financial Protection Bureau to help me to put STELLAR and above names to the investigation list, I believe ( based of the complaint from the XXXX ) that I am not the first person who was harassed by the STELLAR. 

I hope that Consumer Financial Protection Bureau /Representative will be able to successfully resolve my collection reporting issue. Thank you for your help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Immediate Credit Recovery
State: LA

Complaint narrative:
My student loan was in default and went into wage garnishment. I ma trying to start a payment plan to get out of default and NO one will call me back. I have called over 120 times in the last month and left over 47 voicemails. I have called all government departments that had anything to do with my loan and the only thing they tell me is that I have to speak to someone at Immediate Credit Recovery. At this point they are stealing from me. They are collecting a fee when I am actually trying to get out of default. They wont call me back because after I get out of default they will not be able to collect their fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: JH Portfolio Debt Equities, LLC
State: CA

Complaint narrative:
account was reopen on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
I called the collector on XXXX XXXX, XXXX regarding a collection with XXXX XXXX. My court date was set for XXXX XXXX, XXXX. I spoke with XXXX XXXX and explained that I had been pursuing a loan to settle this matter and would like to do this out of court. XXXX said that he would call and cancel the court date and that I would not have to go to court. I specifically asked him if I would be in any trouble, like " contempt of court '' or anything legal like that. He said no, I would not be in contempt of court and no further action would be taken if I settled the matter. I telephone Messerli & Kramer on XXXX XXXX, XXXX and was informed that the judgement had been placed because I did n't show up for court, and now my credit has taken a huge negative hit. I asked to speak to a supervisor and explained the situation. The supervisor said he would listen to the transcript of the call, which he did and said that he understood where the " misunderstanding '' was made but that the judgement had already been filed and there was nothing he could do about it. 
Desired Resolution : Correction to a credit report Desired Outcome I am willing to settle this debt for the amount I owed XXXX Funding for purchases, less additional charges and fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: PA

Complaint narrative:
XXXX overcharged my account by almost {$300.00}, by placing an early termination fee on my account. This was done in era because I still was a customer. After they noticed and admitted to the wrong doing they said they would not and could not take the charge off.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Stellar Recovery, Inc.
State: CO

Complaint narrative:
I applied to an apartment building in the year XXXX, on XXXX XXXX XXXX in XXXX, CO, that I did n't move into. My information was used by another to set up phone service in the building. I first was notified in XXXX of this, and I resolved the issue with another collection agency. For some reason, they sold the debt to Stellar, the current agency. Stellar reported this collection in XXXX XXXX without ever notifying me that they had even purchased the " debt '', which I believe is illegal. This happened 16 years ago, and I am still being harassed. I have disputed this with all XXXX bureaus and it has been removed from XXXX and XXXX. I want it removed from XXXX as well. Thank you in advance for any assistance - I do appreciate it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Lendmark Financial Services
State: MD

Complaint narrative:
I am just being made aware today of a lawsuit in which a judgment was entered in favor of the Creditor XX/XX/XXXX. The case was filed in District Court XX/XX/XXXX by Lendmark Financial Inc in XXXX XXXX MD and represented by Attorney XXXX XXXX XXXX, XXXX. On XX/XX/XXXX they filed to have my wages garnished. However, I was never, ever served with a summons even notifying me of this lawsuit, and never received any documentation thereafter until being notified TODAY by my Employer that the are attempting to garnish my wages. I called both the Attorney and the Creditor to obtain to get proof of Service and to get my payment history and have not received any response or help with this matter. This case has been sitting here for 8 YEARS and I was never notified, never properly served or given the fair chance to resolve a debt that was opened 11 years ago. I now run the risk of losing my pay when I feel like I was never given the chance to resolve this to begin with. I can not even tell if they filed the lawsuit within statutes because no one will provide the date I was in default.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I go to First Tennessee in XXXX in XXXX every XXXX weeks. 
Every time it takes XXXX mins. Today was even longer in the drive thru so I went in. 
There were XXXX women behind the counter and XXXX people in line. Those XXXX were also running the drive thru. XXXX min to make a deposit is absolutely an unacceptable amount of time. I will go somewhere that either has better workers or more of them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc.
State: MS

Complaint narrative:
This complaint is on XXXX. 2 1/2 years ago I called XXXX and ordered service. They shipped me the equipment to hook-up and begin my cable service. When the equipment arrived, I hooked the cable box up as directed, but it did not work. When I called XXXX back, they changed their story. Originally, they said a tech visit was unnecessary b/c the home had previously had XXXX. Now since the box did not work, XXXX wanted to charge me for a tech to come out and they did n't have one available for 2 weeks. This made me angry, because they were wasting my time and this is not was I was originally told when I started service. I shipped the equipment back. Fast forward a few weeks later, I received a bill from XXXX that I owed XXXX dollars. It took me literally 10-13 phone calls to XXXX, requesting that this be taken off, or to speak with a manager, etc. Finally after a few months I went to my local XXXX store and was told that they removed the charges, since I NEVER ACTUALLY HAD OR USED THEIR SERVICE .... EVER!! Now 2 1/2 years later, a collection agency from XXXX pops up on my credit report! I never even received a call or letter from either company notifying me of this debt! My spouse and I are literally in the middle of repairing our credit to buy a house. This is really messing things up for us. To make matters worse, when I called XXXX, they can even find our account using our name or phone number or address. What a waster of my time! This company should be shut down! I would n't use XXXX if THEY PAID ME A {$1000.00} A MONTH!! How do I get this debt taken off of my credit report? And can I sue them for falsifying information and lowering my credit score? Thanks.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: Praxis Financial Solutions, Incorporated
State: MA

Complaint narrative:
I have been repeatedly called erroneously to collect a XXXX {$5700.00} claim owed by someone else. I told collector that person does not reside at my home. But they call daily nonetheless. Telephone # calling is XXXX and callback # is XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Blatt, Hasenmiller, Leibsker & Moore, LLC
State: IL

Complaint narrative:
VIOLATION OF FDCPA, TCPA AND DODD-FRANK ACT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: TX

Complaint narrative:
First and foremost, this company never provided me the written notice I requested after initially being contacted around XXXX 2014. Their agent stated all calls are recorded and monitored and at that time assured me HE WAS LOOKING AT THE TRACKING NUMBER but never provided said number. I did not recieve the notice he states he sent out in order to respond in writing as the validity of the debt. I only paid it bc I was closing on my house and was assured it would be removed from my report. Not because I thought I legally owed the debt, but rather it seemed easier than losing my dream home. After the debt was paid, the company agreed to remove ( both original creditor comcast and stellar recovery ). However, they refuse to provide tapes on either occurance to verify and stated they would never do so even if I requested them in writing. All of these conversations have been taped according to them.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Medical Business Bureau
State: TX

Complaint narrative:
I see these on my credit reports but have never been contacted.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I received a letter a week ago from a debt collecting company ( XXXX XXXX XXXX ) declaring a debt verification for the amount of {$11000.00} that I have to respond within 30 days from the date of the letter before they decide to make it a valid debt. The date of the letter was made on XXXX XXXX, XXXX ( 30 days makes it by XXXX XXXX, XXXX ) and it stipulated that the date of the account of the debt was from XXXX XXXX, XXXX. Before and after receiving this letter, I did not receive any calls nor any other letter from this company or companies regarding this matter. I called office number that they provided in the letter and requested to speak with a representative that speaks XXXX because my English is not that great. When I was transferred, the call gets immediately sent to voicemail and it also said that it was full so I am unable to leave a message. I had my son try to speak with them in English but they wanted me to speak with them directly which causes a problem because I have trouble understanding. They did not leave enough time for me to defend or to make a claim. I know this debt is false because recently, I had a credit report done on XXXX XXXX, XXXX and while looking through my past information, I have no information from this company nor from any debt collecting agency that is tied to the account from which they are trying to collect from.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief