vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IQOR US INC
State: CA

Complaint narrative:
Hello, I have XXXX student loans with XXXX XXXX, 1 loan was signed on XXXX/XXXX/XXXX and the 2nd on XXXX/XXXX/XXXX, both signed when I was in attendance at University XXXX. Due to financial hardship, I had defaulted on my loans in XXXX resulting in my accounts transferring to a collections agency " Allied Interstate. '' In XXXX, I worked out a repayment plan with Allied Interstate as I regained financial stability ( see attachments for agreement made with Allied Interstate XXXX. 
# 1- Allied Interstate had me sign an agreement to repay my debt and reduce my interest rate to .001 % from 8.25 %, this has not been reflected on my account and I was advised by Allied Interstate that due to a " system glitch '' my balance and interest rate were never updated. I have asked for a letter indicating the issue and indicating the correction, Allied Interstate has not complied. 
# 2- In addition, Allied Interstate and XXXX XXXX are incorrectly reporting on my credit report XXXX see attachments ), I should be showing that I am on a modified repayment plan, and current in my payment per that plan ( I am being reported as " delinquent '' per attached ) # 3- Allied Interstate continues to harass me through daily phone calls ; I have numerous missed calls and voicemails daily. I am making my payments ( they are auto-deducted ) timely and would like for Allied Interstate to stop calling me unless urgent or related to making the corrections to my account. 

FYI, I have noticed on my Allied Interstate correspondence, XXXX XXXX is now " XXXX '' " a spin-off of XXXX XXXX. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: IQOR US INC
State: NJ

Complaint narrative:
Allied Interstae has received my debt from XXXX ; however my debt has been formally disputed to XXXX prior to being sent to collections and XXXX did not validate the debt based on Fair Debt Collection Practices ActAllied Interstate is in violation of Fair Debt Collection Practices Act by communicating with me and further attempting to collect on a disputed debt in which has not been validated

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Lyons, Doughty & Veldhuis, PC
State: NJ

Complaint narrative:
Not only i did not receive a right to dispute, i have sent them thru a notice to verify debt which has been completely ignored. They are trying to get a Judgment and a levy on my account without submitting my requested information. I owe much less than they are requesting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Immediate Credit Recovery
State: MA

Complaint narrative:
My wages have been garnished to pay this defaulted loan through Immediate Credit Recovery. I applied for Economic Hardship ; and regulary went to website ; saw status messages I did n't understand ; called Immediate Credit recovery they did n't return calls. I complained via myeddebt.gov. within the past week I called & was told garnishment was suspended & set up voluntary payments. I waited so I could do research. a few days later I call back to set up voluntary payments and find out that my account is on hold due to my complaint ; wage garnishment still in effect. My account will be on hold until Immediate Credit Recovery ( or Dept. of Ed ) investigates my complaint. This seems so retaliatory. I am glad I waited to attempt voluntary payments. I would have been paying via wage garnishments and voluntary payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stellar Recovery, Inc.
State: CA

Complaint narrative:
I RECEIVED AN EMAIL ALERT ON XX/XX/2017 VIA XXXX INDICATING I HAD A CHANGE WITH MY DEBT. I LOGGED ONTO XXXX SITE AND NOTICED THAT STELLA RECOVERY REPORTED THAT I OWED {$1400.00}. I HAVE NEVER HEARD OF THIS COMPANY AND I HAVE NEVER RECEIVED ANY CORRESPONDENCE FROM THEM REGARDING THIS DEBT, YET THEY REPORTED THIS TO XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Farrell Holdings, LLC
State: TX

Complaint narrative:
I am currently paying on a car through Prime Acceptance and they constantly call my cell phone which charges me money. Even if I am one day late they call. I also believe they are charging me an unfair amount of interest and late fees. I also requested a copy of my contract and they refused to provide.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 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: CA

Complaint narrative:
I received a notice from a credit monitoring service that changes had been made to my credit report. Upon viewing my credit report, I discovered a negative report of an alleged debt. I have never received ANY communication from STELLAR RECOVERY INC that reported this alleged debt. ( Reported Since : XX/XX/2016 ) This debt has NOT been Verified or Validated, Nor did they send me ANY notice of a right to dispute BEFORE reporting it to ALL XXXX major credit reporting bureaus!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK
State: TN

Complaint narrative:
I opened a credit card with First Tennessee bank XX/XX/XXXX. received the card about 4 weeks later. when i went into my online banking to add the credit card to my screen, I found out that besides my checking account from XX/XX/XXXX, and the new credit card. i have a third account that has been hidden. it was a checking account that was opened without my permission. I called customer service and the agent on the phone said i opened the account same day the credit card was opened. the agent just offered to close the account with no explanation why the account was opened in the first place. i sent an email requesting explanation and they replied 4 days later saying basically the phone agent took care of closing the account and again without explaining what happened. 
this was engineered in a way for me to never find out about it. it was hidden from my online banking. no debit card was sent to me. 
I checked with my husband and other relatives who ban with First Tennessee. and after digging deeper found similar situations. separate CFBP complaints will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: TFC Group, LLC
State: CA

Complaint narrative:
I did a loan on my car with TFC. I gave them a check in XXXX to pay my registration and send me the tags. I was to get a credit of {$200.00} off my first payment as well due to me pointing out some hings on the internet about them. This came from the owner XXXX. I did not make any payments since I never got my tags nor coupon book not even the email confirming the credit. Then was getting calls that my car payments were late. I explained to several people over the phone the situation and all they wanted was the money. I finally got my tags in XXXX along with the credit on the XXXX of XXXX. By that time they repossessed my car. This was just fraudulent and I do not believe they intended to do anything but get the car. Once they took the car, I was never informed of where it was to get any personal belongings, never told if sold or not, all communication basically stopped shortly after. I requested several times to go and get my things and also pointed out when am I going to get notice of 10 days prior to the sale and received nothing in return. Also one day the repossession fees are {$400.00} and then the next {$500.00}. How do they go up and I was told that the state only allows {$220.00} as well. In the contract you see my signature on one page and that is it. I do not recall if I signed more pages but I am sending the contract to show. On the check I gave them for the tags, the number came from them. On the registration, there is no late fees showing due yet they say I owed more and that was part of the problem. I was not going to pay more money to them just because they say I owed more when the number came from them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Exeter Finance, LLC.
State: NH

Complaint narrative:
Automobile loan which had gap insurance coverage iwhere loan should of been paid off with the gap insurance due to the death of the loan holder ( XXXX date of death XX/XX/XXXX. 
The car was also repossessed and resold which also was for more than the loan amount. 
I also never received any letters or documentation from EXETER Financial regarding amount left on loan or that they were seeking collections. I also did provide Exeter Financial a death certificate and Gap insurance would if paid off the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Exeter Finance, LLC.
State: OR

Complaint narrative:
I previously filed a report for Identity Theft with FTC. I have placed alerts on the XXXX credit reporting agencies. I am asking for immediate remove the of the credit inquiry, due to failure to follow procedure with Identity Theft and they have refused, and will not remove their inquiry. I simply would like to have their inquiry removed, they failed to follow procedure, therefore it is invalid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Law Office of Rory W. Clark, APLC
State: CA

Complaint narrative:
Yes, debt collector committed the following : " Improper or sharing of info '' as they " Contacted my employer '' w/ a Summons where I am independently contracted as a XXXX. Another independent contractor of my employer ( third party contact ) read, scanned and emailed w/ Subject CONFIDENTIAL the Summons with its entire contents ( see attachments for Summons and third party 's email ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Franklin Collection Service, Inc.
State: MS

Complaint narrative:
On XXXX/XXXX/XXXX I was hospitalized. I pass out at work and admitted to XXXX XXXX XXXX XXXX. I was discharged XXXX/XXXX/XXXX. The total amount of bill {$11000.00} after all insurance payments. I was left with {$4900.00}. I was paying {$100.00} every 2 weeks to Franklin Collection Services ; XXXX. XXXX XXXX, XXXX, XXXX . I lost My Job From XXXX XXXX XXXX XXXX XXXX On XXXX/XXXX/XXXX. I was only receiving unemployment and part-time work at XXXX. Excess phones call and threatening legal actions from representatives. XXXX. I have paid {$1000.00} to the account but on XXXX/XXXX/XXXX the representative stated I owed {$4600.00} and I am out of work once again XXXX/XXXX/XXXX lost job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ATG Credit, LLC
State: IL

Complaint narrative:
I filed an injury report with my employer in XX/XX/2011, resulting from improper working conditions, and was ordered to undergo an examination by the employer by the employer 's chosen doctor, XXXX. Under Illinois law, the employer, XXXX was required to pay for the examination. 

Later, after a workman 's compensation complaint was denied by my employer 's insurance, the employer refused to pay for the examination. 

XXXX then demanded that I pay for the examination. I told them I did n't owe it. I told them to submit it to my medical insurance, XXXX, if they insisted the debt was valid, but, since I did n't legally owe the debt, they refused to submit it to the State of Illinois since it would be a crime for them to do so. 

They turned the debt over to a collection agency, ATG Credit, XXXX, XXXX IL XXXX. I disputed the debt in writing, but ATG Credit has never provided me with proof of the validity of the debt. 

ATG Credit continues to report it as an unpaid debt. They have refused to remove it from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-05 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: Pinnacle Credit Services, LLC
State: IL

Complaint narrative:
In XXXX XXXX I took a position with the Department XXXX XXXX in XXXX. I had services with my cell phone with XXXX XXXX. I requested that service to be cancelled on XXXX XXXX XXXX. I received confirmation from XXXX via email on XXXX XXXX, XXXX they received my request. In XXXX XXXX I had a discussion with a XXXX representative in reference to my account and was informed I was past due in the amount of {$90.00}. On XXXX XXXX XXXX I paid that amount. I noticed a collections from XXXX XXXX XXXX XXXX XXXX and talked with a representative in XXXX XXXX. I was informed that this charge in the amount of {$110.00} was generated in XXXX XXXX. I wrote XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX in reference to this collection. I received no response. I wrote XXXX XXXX XXXX on XXXX XXXX XXXX about this collection on my credit report. I received no response. This collection is still on my credit report now under Pinnacle Credit Services. I attempted to contact Pinnacle Credit Services but only to find out they do not hold this account and that a different company holds it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Anderson and Associates Credit Services, LLC
State: OR

Complaint narrative:
In the XX/XX/2016 I retained the services of a pest control company, XXXX XXXX XXXX for fleas and sugar ants in a home I had recently moved into. The services, for which they charged {$350.00} did not resolve the problem. My husband was to contact them, and he failed to do so, which I only recently learned when I had a negative report on my XXXX credit report. XXXX retained a collection agency XXXX XXXX, XXXX XXXX XXXX XXXX Oregon XXXX United States Phone : XXXX. When I attempted to discuss the situation with XXXX of their representatives who claimed to be the owner, he would not listen to me, repeated interrupted me, despite my repeatedly asking him to listen, quickly began speaking in a loud and condescending voice, attempted to tell me that I was n't qualified to determine that the services did not work, and then threatened to sue me for {$350.00} by taking me to small claims court. When I told him that was ridiculous he said we do it all the time. it only costs us {$83.00} to sue someone and I would be happy to sue you. Then when I asked him to be reasonable and attempt to reach a compromise, he refused and stated that my only option was to pay the bill. When I asked him if he would then remove the negative report from XXXX, he again, very rudely refused. He hung up on me. I called back and asked to speak with someone else, he refused. When I again asked him to be reasonable and help me work toward a resolution in order to repair my credit he repeated that he would continue to consider taking me to small claims court. that " this was n't going to work. '' and then hung up on me again. I have called and emailed the pest control company and they also refuse to help or take ownership for the fact that their services did not work. I am requesting that a formal complaint be filed against XXXX XXXX and that this negative mark be removed from my credit report. I have never before spoken with such a hostile, unprofessional individual.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Guild Holdings Company
State: UT

Complaint narrative:
I had a mortgage through Guild from a purchase in XX/XX/XXXX and sold the home in XX/XX/XXXX. On XX/XX/XXXX I received an email from XXXX XXXX to let me know that they have money owed to me from the sale of my home ( {$570.00} ) due to remaining funds from my escrow account. It has now been 7 weeks and they have not yet sent my check. It is unacceptable that they 've had these funds for nearly 3 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Franklin Collection Service, Inc.
State: CA

Complaint narrative:
I am a victim of Identity theft and I have sent countless letters to XXXX and Franklin Collection Svc. 

Both of the collections agencies are listed on my credit and are currently coming after me for a fraudulent account with XXXX XXXX XXXX. I have NEVER been contacted by XXXX XXXX XXXX but that is who they both claim the debt is owed to according to my credit. 

XXXX sent me a notice dated XXXX XXXX, 2015 not trying to validate the debt but to make a settlement offer, however, the account was already on my credit and has been on my credit since XXXX 2015. I have never received a notice from Franklin Collection Svc- they just placed the account on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: GVA Holdings, LLC
State: PA

Complaint narrative:
Northern Plains Funding LLC..is an unlicensed payday loan and over charge me in fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 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: Pinnacle Credit Services, LLC
State: GA

Complaint narrative:
The debt in which the collection agency has posted on my credit report does not belong to me. I have called XXXX XXXX and they have no file or information stating that I owe this debt and proof that it s mine. I have tried to contact the collection agency numerous of times and they can not provide me with proof either. Every time I call they put me on hold. One time I was on hold for 1 1/2 hours and never came on. I want to file a complaint and also seek legal council to help me with this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Go Capital Holdings, LLC
State: MS

Complaint narrative:
I was contacted be the creditor and I am not the person on the loan, I was also contacted by several people stating that they had also been contacted. This was after I was told they was going to send someone to my place of employment and also to my daughters place of employment to serve papers and get me fired. I would answer the phone and try to talk to the person on the other end and get screamed at and told that they needed payment today or a tow truck would be showing up to collect property with the sheriff they call back to back to back and several times at night.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Franklin Collection Service, Inc.
State: AL

Complaint narrative:
Franklin Collection Service continues to report a bogus medical bill on my credit reports. Consumer has disputed this item for almost three years. Franklin Collection Service does not respond to my continued e-mails regarding the validity of this bill. Medical bills are handled by my insurance plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 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: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
This was paid and the lady said they were going to delete it from my file if I paid it. They are still listing this on my reports as an OPEN collection and keep reporting it as such when it was paid in XXXX. I sent them a debt validation letter so they could send me some sort of proof, anything really but they have not responded at all and when I call they say they cant help me and hang up. 
The XXXX payments that I made to pay the account off are confirmation numbers:XXXX and XXXXProcessed by XXXX XXXX to which she told me I would get this item deleted from my reports. They have recently updated and they still list on my reports as an OPEN collection and they list themselves as a creditor in which they are not a creditor and I didnt think that a collection agency could list as a creditor with a credit limit etc on someones credit report anyways. I am sure this company is not complying with the law. 
This is against PINNACLE CREDIT SERVICES LLCXXXX XXXX, MN-XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation