vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: National Enterprise Systems, Inc.
State: MO

Complaint narrative:
XXXX called my work and told my fellow employee, after he was told I was not there and that I can not take personal phone calls at work, that our corporate office had given him the number. I called and verified that our corporate office did not give him my work number. He called again a day or two later and asked for me even after he had been told I can not accept persona phone calls at work when he had called before. He was told I was in assisting with a XXXX and could not come to the phone. He then proceeded to ask my fellow employee if I could just come to the phone for a min. I was in a XXXX and my boss was appalled by his request. He then proceeded to lie and say that my dad had given him my work number as a contact number. My father said he never has given my work number out to anyone ever. This company is putting my job on the line and not following proper debt collection rules.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: AES/PHEAA
State: PA

Complaint narrative:
XXXX is reporting a late payment on my credit report. I believe this information is incorrect and/or is too old to report. I request that the late payment is removed from my credit report. The late payment reported is from the following dates : XX/XX/XXXX.-XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX Below is my account number found on my credit report : Account Number XXXX - - Account Name XXXX Account Number XXXX - - Account Name AES/XXXX Account Number XXXX - - Account Name AES/XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-05 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: AES/PHEAA
State: DC

Complaint narrative:
I am in the Public Service Loan Forgiveness Program and my loans are held at FedLoan Servicing, and this year they improperly reevaluated my payment plan two months early. I received notice for my annual plan reevaluation and promptly submitted my information. The confirmation email that I received included a statement saying, " If you are submitting your request for your annual recertification early, we will process your request once you are toward the end of your 12-month payment period. '' However, FedLoan Servicing reevaluated my plan 2 months early, and increased my payments 2 months early ( in XXXX instead of XXXX ). I have called them three times, and each representative has confirmed that it was indeed processed earlier than it should have been. I am now told that there is nothing they can do to change the evaluation time. This means that I will have my plan reevaluated two months earlier than it initially should have been every year. 

While they are attempting to override my XXXX and XXXX payment to only require the lower amount, I have already made my XXXX payment at the higher amount, since it was due. In addition, now the annual recertification will always be due two months earlier than it should be due. Moreover, what is to prevent this from happening again next year and every subsequent year? This needs to be rectified and the timeline needs to be accurately set. I am told there is no way to do that. 

Please also know that they have also failed to follow-up with me on my requests, and it has required my persistence to call FedLoan Servicing to have answers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-23 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
On or about XXXX 2013, I completed my payments to American Honda Financial ( AMF ) account XXXX. I delivered the car per received instructions to a XXXX dealer located in the city of XXXX XXXX, California. At that time the vehicle was inspected and I was release of all obligations under this contract. A couple of weeks later, the American Honda Financial contacted me requesting information about the whereabouts of the car. I disclosed the information and they were unable to locate the vehicle for days. When the vehicle was finally located, AHF requested a payment of {$5200.00}. Since then I have requested information on why I owe this money, AHF has been unable to provide a detail explanation of the a ledge debt. Per my contract with AHF, I have fulfilled my obligations, now, my credit report has been affected by the unilateral actions of AHF.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Michael Haynes & Associates, LLC
State: CA

Complaint narrative:
Michael Haynes & Associates continues to call me at work after repeatedly being told that this jeopardizes my employment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
while i was purchasing my home i applied for homeowner insurance i submitted XXXX different quote from XXXX different companies naturally my lender went with the lower of the XXXX the other company was notified they are trying to collect XXXX dollars for covering the house when in fact it was insured by state farm already

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
I paid the debt in full to Attorney XXXX. 
However, American Adjustment Bureau emailed me that it would be removed from the credit bureaus. 
Now I am advised that they refuse to remove it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: FIRST ADVANTAGE CORPORATION
State: VA

Complaint narrative:
First Advantage conducted a criminal background check on me and rendered results that included false, inaccurate, incorrect and imcomplete information. I have had to dispute this issue with First Advantage several times to have the errorneous information removed. First Advantage is a violator of the FCRA. First Advantage removed/deleted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX XXXX, reinserted the errorneous information in XXXX of XXXX and removed the errorneous information again in XXXX XXXX. Recently, XXXX XXXX First Advantage reinserted the incorrect, incomplete, inaccurate infromation again causing me to be denied employment. Please see attached : the attached case XXXX shows where the case was DISMISSED and I was never charged nor incarcerated, First Advantage has failed and neglected to include this pertinent information in the background screening and DISSIMENATED this inaccurate, incorrect, incomplete information to third parties.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Apelles, LLC
State: CA

Complaint narrative:
Repeated attempts to cancel an XXXX XXXX account were ignored. They continued to bill even though they were notified that the account was not wanted and that their equipment was not operational at all for months and perhaps years prior. I completed XXXX 's request to receive the account holder 's death certificate in order to complete the cancellation of the account as well as receive the refund they stated they would send for amounts paid since the death of the account holder. But XXXX still sent the account to collections. So this complaint is to XXXX XXXX XXXX as well as the collection company that accepted the account for collection as the so-called debt does not exist and in fact an amount is owed to the account holder 's estate. XXXX needs to allow accounts to be cancelled when it is requested to be cancelled and not continue to bill for services it is not providing. The CFPB must step in in this instance to cease this behavior as I 'm sure this is not the only instance of them continuing to bill for services that are not being provided and continuing to bill after they have received a request ( in this instance many requests ) to cancel the service. Otherwise, consumers will continue to be harassed with being billed for services not received and not wanted which of course is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
On XXXX/XXXX/2016, My husband and I called XXXX XXXX to make a payment to Honda financial ( because they refused to take a payment directly from me ). XXXX XXXX confirmed the code and company I asked them to send it to as Honda financial code CA and proceeded to send my payment to XXXX instead of XXXX. Now XXXX has a repo out on my lease for being ONE payment behind ( which is ridiculous ) and XXXX XXXX will take no accountability for THEIR error. I called XXXX XXXX on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX and each time all they say is the funds never came back and there is nothing they can do ... Honda does n't care and said there is nothing THEY can do and said they are going to take my car. IN order to make this payment i had to max out my credit card so its not like i can just pull money out of thin air to cushion their a mistake that was beyond my control. This whole situation is beyond asinine! it blows my mind that XXXX can XXXX less about their consumers when they pay THOUSANDS of dollars for a product. Further more it sickens me to think XXXX XXXX can get away with causing my car to be repossessed thanks to them dragging their feet and doing NOTHING to rectify this situation. All the calls are recorded so there is NO EXCUSE for it taking an entire week to resolve an issue that they created. It also is beyond inexcusable that Honda cant do a thing to put my account on a freeze or something until XXXX XXXX resolves this. I am beyond disgusted that my life can be ruined by XXXX TERRIBLE companies that do n't XXXX about the consumers they service. Not to mention Honda claims to have sent me a repossession letter months ago and I just found out about it on XXXX/XXXX/2016. they said a letter was sent months ago and have failed to provide the signature on the alleged certified letter. I think this Is because they did n't send one because no one in my household singed for anything like that. I think what they are doing is illegal and wrong so that they can scam me for more money at this point. I also want to note that if they had changed my payment due date 2 years ago as requested on several occasions, I never would have been behind on my payments as I was unexpectedly laid off and advised them I needed the date moved to compensate. I 've never worked with such an incompetent group of corporations in my life and if that is the way they want to do business, I am SHOCKED that they are still in business.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: CA

Complaint narrative:
I have been called repeatedly by Allied Interstate LLC at my phone number as they are searching for someone named who is not me. I am not the person they seek, and they have been informed of this, yet they continue to harass me.

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 non-monetary relief
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Federal student loan
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: IQOR US INC
State: OH

Complaint narrative:
Husband defaulted on student loans, Allied Interstate began garnishing 15% of his wages. They stated this will happen for XXXX months & on top of that we pay additional XXXX towards loans. It has been XXXX months with garnishment, we have sent all paperwork requested in (even though they sent us wrong form, stated they lost items we sent in, etc.) now that garnishment is supposed to end, they state that they want us to pay XXXX per month instead of XXXX on top of the 15% of wages. We cannot afford this. We can afford the payment, but not along with the hundreds of dollars each month they are collecting - none of which is going towards the student loan balance. They want us to basically start over with garnishment for another XXXX months, but paying  higher additional amount per month on top of garnishment. Now they sent us a new letter as if we were starting over. We are supposed to sign it and return it or else they said we won't be able to rehabilitate the student loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
My complaint is in regards to Honda finance as well as XXXX XXXX. First of all I was laid off XXXX XXXX and I called from day 1 for assistance while I sorted out how I will be able to survive on less pay. Honda was unwilling to do anything. They also were suppose to change my payment date from the day I got thr car and never did and the recorded phone calls fell through the cracks so I 've been paying late fees on top of it all for months when if they had did their job I would n't have had late fees. Then now since XXXX I 've been behind XXXX payment due to being unemployed, however once I received unemployed I 've been making payments that are more than my minimum but all I could afford and after 6 'moths of doing so with no issue I find they put a repo on my car yet they refuse to take a payment other than through XXXX XXXX. XXXX XXXX confirmed our payment to Honda yet sent it to another company anyway and after a week still have yet to even attempt to resolve this issue or take accountability for THEIR error. They were suppose to fix the issue on XXXX, we have called several times and they still have n't resolved it and my car is in the process of reposition still and neither company will take accountability for the lost payment which I have confirmation of making despite XXXX XXXX not doing their job correctly. Now Honda will not stop the repossession of my car in the meantime over ONE PAYMENT LATE. So now my money is gone and I have no way to make another {$380.00} payment and my car can be taken from me at any time. Further more Honda gave me NO WARNING. They claim to have sent me a notice for the repo months ago that I never received and they refuse to find the certification letter to see who signed for it because no one in my household or that I know signed for the letter and I do n't believe they even sent it. I feel like I 'm being taken for a ride for trying to do the right thing and I do n't want anyone to have to go though this, especially when it 's hard enough to survive when your unemployed. Not to mention I can loose everything I have all over again like my new job because they would rather take my car over being 30 days on XXXX payment that they have proof I attempted to make. Either way I never want to even look at a Honda again after being treated so poorly. Never in my life have I had a car company treat me this way especially when I 've been in constant contact and they were fully aware of my lay off as I called them before my family even knew that I was unemployed and still made payments higher than my minimum due with no issues for months to try to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: VA

Complaint narrative:
On XXXX XXXX, XXXX my car was repossessed at XXXX. I commute from XXXX to XXXX daily, and subsequently had to take off work. My work computer and room keys were in my vehicle. I was told the vehicle was being taken XXXX hours away. The XXXX repossession specialists charged me XXXX dollars cash to get my items from the vehicle. I was exactly 60 days late on a partial payment. My car note was XXXX dollars a month with a 22 % interest rate. The car was purchased XXXX XXXX, XXXX.At the time of the loan, I had a credit score of XXXX. I believe that Honda Financial/XXXX XXXX XXXX XXXX discriminated against me as an XXXX woman and charged me excessive interest, and also ran my credit numerous times, which actually lowered my credit score. The dealership was attempting to get a loan that was thousands above the car value and was refused by several banks. I was told that my " low '' score was the reason the interest rate was so high, and that I could refinance when my credit score went up again. I was not aware of the large negative equity until after the vehicle purchase when the credit denial letters came in the mail. I was not able to refinance the vehicle because of this negative equity situation. Now, Honda Financial is reporting a repossession on my credit, and the past due balance as XXXX dollars, which is two payments ... when the car was repossessed for a past due amount equal to one payment and a little less than half of a payment ( XXXX dollars ). I paid them thousands of dollars for over a year. I received a letter on XXXX XXXX XXXX dated XXXX XXXX, XXXX stating their intent to sale the vehicle in a private sale and seek the remainder of costs which currently equal XXXX more than the value of the car. I am also a military spouse. This is my third XXXX ; but the first purchased in XXXX. I believe Honda Financial has a history of discrimination, and dealer markups directed at minority consumers in this area. I am also certain that the repossession was also discriminatory. I believe the Department of Justice abd the Consumer Financial Protection Bureau, along with other regulatory agencies should investigate the pattern of Honda Financial Repossessions and predatory lending practices. After, I told XXXX in the recovery department about the completly unprofessional manner in which my car had been repossessed, and my belief that I was discriminated against ; he asked that I fax proof of insurance/pay stub. I did this, but heard nothing for weeks. On XXXX XXXX I received a phone message stating that they were making a last attempt to return the car to me??? Still ... nothing in writing besides the letter about the private sale and a notification of 60 days to collect any of my possessions from the vehicle. There were multiple layers of problems with Honda Financial/XXXX XXXX from the sales tactics/pressure, to the taking out the loan, to the repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
I believed I was charged an interest rate that was too high for my credit score, which was XXXX at the time. I was charged a rate of 4.39 %, which I find to be comparatively high for people with my credit score. The company is Honda Financial Services

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CREDICO. INC
State: SD

Complaint narrative:
I had a medical dept that because I was out of work for 1 year due to health issues that went to credit collection 's the credit collection company harassed me every single day eventually had sheriff grab my entire checking account of {$2300.00} also stole my sons account {$350.00} on a {$2400.00} judgment now they are after a {$1500.00} amount saying I still owe from this judgment this is theft plain and simple after continued attempts to get breakdown from them on interest charges and reason for the added amount they have refused to give it to me also after daily phone harassment from XXXX XXXX of credit collections bureau of XXXX XXXX after I sent included document to them all harassment quit for 2 months not one call now its started again I feel fraud is happening big time with this agency and we consumers are all tired of this continued harassment ... ... 
credit collections bureau XXXX XXXX XXXX XXXX # XXXX, XXXX XXXX, SD XXXX XXXX

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: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: PA

Complaint narrative:
I rented a car from XXXX in XXXX. Unknown to me, there was a balance due. I rented another car from XXXX in XXXX of XXXX, and was advised in order to rent another car the balance from XXXX needed to be satisfied. I paid the balance in full in the amount of {$310.00}. 

As of today, XXXX lost my payment, and submitted my file to a collection agency, who in turn has reported to all XXXX credit bureaus that i owe {$310.00}. I have spoken to several dozen people over the past few months people to get this resolved, to no avail. 

Most recent, i have faxed and /or mailed over proof of the payment to all XXXX credit bureaus. I have spoken to XXXX XXXX, the Accounting Supervisor at XXXX XXXX XXXX ) ; and have spoken to XXXX, a Team Lead from Caine & Weiner XXXX XXXX ). All parties have apologizes and assured me this will be updated once they speak with the other parties involved. 

I have been trying to get this resolved for 5 months. I would like this information completely removed from all XXXX credit bureaus, as this was paid in full directly to the creditor, prior to going to the collection agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16 00:00:00
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: Halsted Financial Services, LLC.
State: FL

Complaint narrative:
Halsted Financial continued to make threats of suing me and harassing me by phone, in regards to an unpaid debt. I made an arrangement to pay the XXXX dollars on XXXX/XXXX/16 I scheduled for a payment of XXXX dollars to be drafted out my account and they charged a fee of an additional XXXX instead of just taking the XXXX out they took another unauthorized payment of XXXX on the same day. they called back and said our system made an error but the XXXX will be back in your account today, and it was never credited. They also said that they will send me emails discussing the settlement and whats owed and I never received the emails. They lied, harassed me, and went in my account without authorization. This company is horrible, and companies should have to pay for violating consumers rights!!!

Company response to consumer: Closed with explanation