vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: RI

Complaint narrative:
For about 2 months, I have received several hangups per day. If I call back, I get Halstead Financial Services regarding an 8 year old XXXX XXXX account. If I ask for a letter or do not agree to pay in full right away, they hang up on me. I have blocked over 20 different phone numbers from them yet they continue to call and hang up on me daily. They have also threatened to contact my employer. I am being harassed daily by Halstead Financial.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Monterey Financial Services LLC
State: NJ

Complaint narrative:
I bought an educational package from XXXX in 2014 and got enrolled into a payment plan which was to continue for a period of 12 months, the educational service was to continue for 12 months. I was making the payments on time but decided to stop making payments due to the violation of Contract by XXXX. Part of the services which was weekly support call and were deemed an important part of the services by XXXX and XXXX who was the individual who signed up. 
Those services were not delivered and due to the lack of delivery of the important part of the program and services which were mentioned while I was being lured into the program, my condition has not changed and I do not see any impact on my development in the area. 
This issue was discussed by XXXX one of your supervisors end of XX/XX/XXXX. XXXX understood my resentment towards XXXX and advised that if I bring the payment up to date till XXXX then he will try to resolve my issue. I brought my payments upto date.After that he left a message on XX/XX/XXXX as he promised and told me that he tried Contacting XXXX but XXXX never responded back to him. This is how XXXX is they want to take people 's money and do not want to deliver the services. Their contract is pretty generic and does not mention any details. They just want to rip people off. Also I tried contacting XXXX 4 times and left him 4 voice messages to follow up but he never returned my calls. 

At this point I do not think I owe anything to XXXX untill and unless they straighten up their act and start delivering their services as XXXX assured. If I keep making monthly payments with out getting any services then it does not make sense. Also to charge individuals around {$2500.00} dollars just for 4 30 mins sessions and not deliver on the following weekly calls do not make sense and is a rip off. At this time Moterey has started charging me interest on the balance and this is affecting my credit. I seriously need help and need CFPB to intervene and help me out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
SLS sent a notice of default to me, on my loan, prior to 120 days of delinquency in violation of XXXX. The letter was sent to me certified on XXXX/XXXX/2015, which was only XXXX days delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 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: WAKEFIELD & ASSOCIATES, INC.
State: CA

Complaint narrative:
Creditor says the filed Letter Of Completion months ago. The credit account was fraudulent to begin with according to Colorado State Law. I have attached a copy. Please remove from my credit history/report. XXXX XXXX admitted to filing the collection incorrectly because they did not provide me with an invoice explaining why I did not receive my deposit and why I owed extra money. 

I have been told this was filed with the Bureaus a while back but it continues to be reflected on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
I filed claim case # XXXX on CFPB addressed to Banco Popular de Puerto Rico. Banco Popular responded to that claim : " Relief We referred to the XXXX and XXXX Credit Agencies the removal of the additional inquiries to your credit report. '' I contacted XXXX and XXXX Credit Agencies today ( XX/XX/2017 ) and both of them advised me that Banco Popular de Puerto Rico had not referred any removal of any inquiries to my credit report. They advised me to contact Banco Popular so that they communicate XXXX and XXXX through their credit system the removal of the additional inquiries to my credit report. 
I then called Banco Popular at XXXX on XX/XX/2017 as suggested on their response to my claim and the agent that took my call had no clue about my claim case # # XXXX filed to the CFPB. 
I thus have no alternative but to file another claim to the CFPB : ( 1 ) To report that Banco Popular did not refer to XXXX and XXXX the removal of the additional inquiries to my credit report as promised on its response to claim case # XXXX. 
( 2 ) To bring to your atention that both XXXX and XXXX advised me that if Banco Popular would refer the removal of the inquiries through their credit communication system, the removal of the inquiries would be almost immediate. 
( 3 ) To request once again that the additional hard inquires are removed from my XXXX and XXXX Credit Reports. 
( 4 ) To report that Banco Popular was unable to assist me on the phone regarding this case in contrast to what was stated on their response. The agent had no clue about my case. He could not find it. This is unacceptable.

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 2016-02-12 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB
State: PA

Complaint narrative:
I have homeowners insurance through XXXX XXXX. After experiencing a loss due to a roof leak my first inclination was to contact my insurance company. Upon calling the insurance company, no one advised me of my deductible or provided me with any advice. They simply submitted my claim. Then I was referred to a restoration company by my agent. They provided service to dry my attic and repair my roof. Then they provided an estimate of the cost to repair my ceiling and interior damage. The total of all services added up to be less than my deductible. Therefore, my wife and I have to pay all costs out of pocket but XXXX XXXX is still treating this as a claim. How is it a claim against my policy if insurance covers nothing. Additionally, XXXX XXXX has denied our request to increase our premium and reduce our deductible because of the 3 year waiting period after a " claim ''. What good is insurance and how is this a practice that is allowed to continue???

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Apelles, LLC
State: IL

Complaint narrative:
XXXX Debt collections services is continuing try to collect a debt that was discharged in bankruptcy. I have submitted the appropriate documentation to XXXX and requested this information be removed from my credit files. XXXX has continued to harass and attempt to collect this debt. Please see attached documents

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Medical Data Systems, Inc.
State: MA

Complaint narrative:
Debt collection agency : Medical Data Systems. Received telephone call at my place of employment without written or verbal permission to do so to discuss a debt owed. Continued to contact my employer after I verbally asked not to.

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 2017-01-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: WA

Complaint narrative:
I called Caine and Weiner Inc. Regarding a debt that was on my credit report in order to resolve the debt. My credit report reflects that I owe {$160.00} but the representative I spoke to said I owe around {$250.00}. I asked to only pay what is on my credit report and she informed me that I could have the debt removed from my report if I paid the larger amount. I said I only wanted to pay what is on my credit report and she placed me on hold to speak to the manager. When she came back she offered to remove the debt from my credit report if I paid around {$220.00}. Telling me that she is unable to remove the report from my credit when she can is a violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: Servatus Corporation
State: CA

Complaint narrative:
This is a fraudulent attempt by Credit Solutions Corp. to collect on a XXXX debt. If I had owed anything to any one it would reflect on my credit report. I just obtained a Co-signed student loan for my daughter thru XXXX XXXX Bank. I think that would be impossible to do with bad credit. All supporting documents will be sent Via U.S. Mail

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Moneytree Inc
State: WA

Complaint narrative:
Opened an account with XXXX in XX/XX/XXXX. I filed bankruptcy in XX/XX/XXXX. I recently went into Moneytree to cash a check and I was informed by the XXXX at the XXXX, WA location that I would have to pay half of what is owed to them in order to cash the check. I refused as I had filed bankruptcy and the statue of limitations had already passed on them to collect.

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 2016-12-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: IQOR US INC
State: NJ

Complaint narrative:
This debt should have been pain by my vision insurance company, XXXX XXXX, and therefore is not mine. After saying numerous time to please speak to them regarding this matter, they continue to call me and harrass me, my parents on their landline phone, and send mail to my parents residency often.

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 2017-01-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: AZ

Complaint narrative:
My honda dirt bike was stolen in XX/XX/XXXX. My issues started with Honda financial services. I spoke to a a Honda representative on the day of the theft. They informed me to fax the police report to a number they provided me with, which I did. Three days passed by and I had not heard from them. I called them, and the representative I spoke to was very rude, and told me that whoever I spoke to three days ago did not exist, and he does n't recognize the fax number they had provided me with. I reported my stolen vehicle for the second time with this new individual. A month later, I representative called me, stating I will be receiving a bill for my last payment. I was not given an option other than to pay the sum in 90 days. When I called Honda financial services in XX/XX/XXXX to make my payment, it was discovered that they had sent me the wrong statement ; they stated I owed them an additional {$1000.00}. For two days in a row I demanded to speak with a supervisor but the Honda representatives informed me they will handle the issue. In the mean time they stated they will me send the amended final statement of the sum I owed. About 5 days later, I received a phone call from Honda representative that only left the general number, with no name or title. When I called Honda financial services to inquire as to the means of the call, I was told that a supervisor tried to contact me. My rights as a consumer to voice his issues were completely ignored.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: SLM CORPORATION
State: IL

Complaint narrative:
There are issues with my sons loan that he and his mother have with Sallie Mae and they keep calling me at all hours and while at work. I explain that I am not on the loan and to stop calling and their people have stated my name is on the contact list and they want a payment and if I want the calls to stop to make a payment. 

As far as I am concerned they are worse than a loan shark and they will do multiple computer calls per day and that is a form of harassment and that is not legal.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
In XXXX of 2016 Honda Financial took out XXXX car payments for the same month charging my account twice, and causing me to over draft. I was on vacation XXXX, with no money, because of this I was forced to use my credit cards, and now I have to pay that back with interest. Honda later returned that extra payment, but now they claim that they deposited it twice. They have been hounding me for months saying I owe them a payment of {$390.00} I even sent XXXX faxes with my bank statements to prove this was not the case ( I had to pay for these faxes since I do n't own a fax ) they still insist I owe them the money. We also conferenced called my bank twice, and they confirmed that they never deposited XXXX amounts of {$390.00} Now this morning they emailed me telling me they were going to pursue other methods to get their money. My question is whose going to pay me my over draft fee 's, my credit cards that had to be used to come back home, the constant harassment, my time, the faxes? I am not a rich man which is why I bought a Honda and not a XXXX, {$390.00} is a lot for a person living pay check to pay check. I will never ever do business with Honda Financial. Thank You.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: TX

Complaint narrative:
How can I find out if Honda over charged me for my loan?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 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: FL

Complaint narrative:
Allied Interstate in XXXX placed a wage garnishment against me on a student loan debt that was outstanding ; while making small payments from time to time. I not once spoke to anyone at this collection agency in regards to this matter. In XX/XX/XXXX, I took a FMLA from my employer to care for a parent after being here since mid XXXX. In XX/XX/XXXX, my father past away in my care during his illnesses. During this time small payments were being made directly to Department of Education 's website. Needless to say, I have been attending college since ( if not mistaken ) XX/XX/XXXX up to this present time. After speaking with a representative in regards to the garnishment, she asked if I could settle the account immediately I am not in a position to settle a XXXX account. Some papers were mailed to me to assist with making paying arrangements in order to release the garnishment. To mention once again at this present time I am still attending college. I am requesting monies to be paid back, and release the garnishment against XXXX XXXX XXXX XXXX XXXX. Especially after returning back to work from XXXX, and we are working during the summer months. The XXXX for 10 months are employed for 180 days. There has been XXXX occurrences were XXXX payments have been garnished during this time. XXXX XXXX XXXX XXXX XXXX began XX/XX/XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CREDICO. INC
State: SD

Complaint narrative:
The options above do not really describe my situation fully so I chose the best option. 
The CCB does not have the correct address for me on file. They continued to deliver mail related to the matter to a family member 's house and other times had someone serve me papers at my employment. They knew I did not live there but made no attempt to get a correct address, therefore incurring more fees for a process server, and making it difficult to follow what was going on with the case. I would get served, but other times, important letters would go to a different address. 
I am a single mother and I receive no child support from the other party. I am responsible for all monthly expenses, daycare costs, preschool costs etc.. with XXXX income. I incurred some medical bills that I just could not afford and therefore the collection company was involved. These medical bills were incurred XXXX. 
I was served with the judgment and when I tried to work something out with CCB they were just downright nasty to me. 
The first time I called them, the amount to satisfy judgment was XXXX. I asked if there was any negotiation or to work out a settlement as I wanted to take responsibility and pay this in full. 
The next day when I called them to follow up, the amount to satisfy judgment was now over XXXX. Later that same day it was back down to XXXX but then they were going to add process server fees to the amount. They knew that I had the amount of cash that was stated in the judgment papers in hand to resolve the matter and refused to work with me. They would not lower the interest rate to make the amount more manageable. They have been very rude and difficult to work with and basically have given me less than XXXX hours to get the judgment paid in full and get the papers to my place of employment to stop the judgment before it hits payroll at my job. 
I am requesting a refund of the interest that was charged in the amount of {$420.00}. These people screamed at me on the phone, hung up on me, when all I was trying to do was find out if they would lower the amount just a little and work with me. And they refused..

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: IN

Complaint narrative:
This company has been putting things on my credit report that I do not owe for. Originally my debt was sent to another company. I paid XXXX originally back in XXXX of 2016. Now they have sent this to another company. In all this has cost me nearly XXXX point on my XXXX score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: MINNESOTA LIFE INSURANCE CO., THE
State: IL

Complaint narrative:
I have a consumer loan that was past due, they sent a intenet to garnish to my job, I have sent a letter to them revoking the voluntary wage Assignment that they are not honoring, in addition to the fact they have sent the loan to an attorney

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 2017-03-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
We received a collection letter form Caine & Weiner Acc # XXXX, Amount due : {$120.00}, This amount due is wrong, I ordered from XXXX : XXXX : {$6.00} and XXXX cups : {$1.00} date XX/XX/2016 and I never ordered anymore from them. 
After that they never sent me billing statement for payment I only received a post card which showed amount due : {$67.00} and have to pay online, It is wrong due amount. 
I can not pay online amount $ XXXX {$1.00} which I owed them. I try to call customer service but only machine answered and wait for long time. 
Now I want to fill out customer complaint and request the XXXX sent to me a billing statement due amount {$7.00} plus tax that I owed and willing to pay for that amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 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: Stellar Recovery, Inc.
State: AZ

Complaint narrative:
In XX/XX/2014 I cancelled services with XXXX XXXX and received Confirmation numbers. After services were cancelled XXXX XXXX sent me a collections notice. I contacted them, attempting to reference the confirmation numbers they had given me. The collections officer said the confirmation numbers were useless and that I owed money. Long story short I paid. Now, 3 years later, they have turned me over to collections for a modem I returned. I called the collection agency who referred me back to XXXX XXXX. XXXX XXXX confirmed that the modem was returned and assured me steps were being taken to resolve the collection agency notice. 
I want this company held accountable for their oversights. What good are confirmation numbers if they say they do n't matter? These amounts they hit you for are small enough that it appears they are fraudulently trying to make you tap out to not hurt your credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation