vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: AES/PHEAA
State: WA

Complaint narrative:
On my loan account on AESSuccess.org, there is no information that I can access to check my loan balance month over month or even access this month 's loan balance. This is deceptive and makes it impossible for me to keep track of my loans and make sure that AES is not adding in fees or can be held accountable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: AP

Complaint narrative:
Please reference complaint number XXXX. When I disputed this complaint I had assumed you would get back to Honda, since they did not address my problem basically at all. Perhaps I hit the wrong buttons. In any event, I received an email which described my dispute as feedback and not a dispute, so here is a new/related complaint as it was submitted in dispute to referenced complaint. Thank you : A non-answer from Honda Financial Services ( HFS ) which requires further explanation. I never changed my address on my lease buyout and neither did the XXXX XXXX XXXX XXXX ( financed the purchase for the buyer ) or if they did I was never so informed. I did change my mailing address from XXXX XXXX to XXXX XXXX XXXX at the HFS website on XXXX XXXX, the day after car sale was completed, in anticipation of my departure for XXXX on XXXX XXXX. Perhaps the difference in amount charged was due to a change from XXXX to XXXX ( XXXX, some would say XXXX ; there is no state XXXX and neither does an XXXX address charge sales tax )? Obviously, I never moved to XXXX. I did make a payment electronically to HFS in the amount of {$340.00} on XXXX XXXX to get HFS off the back of the buyer who is also my brother-in-law and to allow release of the car title. So, the first thing that needs to be fixed is the return of the {$340.00} erroneously charged that I paid on XXXX XXXX. Secondly, as stated in my original complaint, consumers need to be protected from HFS which billed me in a letter ( scan attached to my original complaint ) which did not explain the reason for the billing, a company which makes it impossible to resolve a dispute with consumers who have moved XXXX AFTER complying with their instructions for paying off an auto loan. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-19 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: IQOR US INC
State: OR

Complaint narrative:
I moved from XXXX in XXXX XXXX and paid all debts off including XXXX XXXX. I began receiving mail and calls from XXXX trying to get over {$400.00} from me claiming I told them to put my account on hold for 9 months. I sent mail and called XXXX to tell them they messed up and I never asked for a " hold '' on my account since I did n't even know where we 'd be living let alone what tv or phone services we 'd need. We used XXXX XXXX while we lived in XXXX from XXXX XXXX to XXXX XXXX and I have a letter proving this fact. I recently found out XXXX sent me to Allied Interstate Collections and it affected my credit score. I 've explained this again to XXXX and the collection office and I 'll be sending the documentation to Allied as well. I WILL NOT BE BULLIED into paying any money I do n't honestly owe. Both XXXX & Allied tried to scare me into paying and I was very clear that I ALWAYS pay what I owe and that I would not pay them a dime. They are thieves.

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 2016-01-20 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: CAINE & WEINER COMPANY, INC.
State: CA

Complaint narrative:
I worked part time for an insurance company called XXXX XXXX as an agent but left the company because I was not selling. I only sold XXXX policies and made a couple of hundred dollars during that time. I do n't remember if I was paid for the XXXX one before I left. 
When I communicated this to XXXX XXXX the manager of the office, and mentioned I could not cover my expenses and had to put more hours into my other job therefore not allowing me to continue to work there. He offered to pay me a small amount of money to help me cover my expenses while I started to sell more. We had an excellent business relationship. 
Just recently I got a letter from XXXX XXXX of Caine & Weiner, a debt collection company representing XXXX XXXX. I called and not only XXXX XXXX is arrogant and condescending but could not tell me exactly how I owe {$860.00}. 
He just listed concepts that might have originated that amount. 
I explained to him that first of all XXXX never contacted me to collect that or any other amount from me, why was I sent to a collections agency?. 
The reason of my complaint are : 1. Can a company send me to collections, causing additional fees for the debt collector, when they never contacted me at all before? I did not know I owed them money. 
2. Can Caine & Weiner collect money from me without giving me a break down of what I owe? 
I also contacted XXXX XXXX from XXXX XXXX, company I worked for, to ask for an explanation and he promised that I did not have to worry about anything but Caine & Weiner is still threatening me to sue me and ruin my credit. I left a message on my last phone call but he has n't called me back. 
Is it legal just to call someone trying to collect money without explaining why?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: CT

Complaint narrative:
This is from an XXXX Service. They have called many times ... XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. They have been calling twice a day. I do n't answer, but when my machine picks up, they hang up. The number is XXXX. I am not sure if this is collections and they have the wrong person.

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 2015-08-06 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CREDICO. INC
State: SD

Complaint narrative:
For starters they continued to call me and harass me after being told to leave me alone and that I was XXXX and that if they continued they would cause me XXXX and they continued to the point I lived in utter fear of them and of having a XXXX second they threatened small claims and judgment for years making no attempt to do so until now using max time available to intimidate third statute of limitations in south dakota is 6 years on open accounts they just now on XX/XX/XXXX filed small claims some of these medical bills they are going after stem back to XX/XX/XXXX and they are trying to get a judgement simply so they can harass bully and intimidate for another seven years third these bills are because the original medical company did not file with insurance companies correct with countless attempts to fix these bills should n't even exsist

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
I XXXX was taken in an ambulance. I was told by the clinic/hospital that my Health Insurance will fully cover the ambulance ride or service. I recently a bill from a Debt collector.The amount is for $ {$710.00} ... I was falsely given information about my coverage..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: IQOR US INC
State: NV

Complaint narrative:
I have loans in my name for a school I never attended, I have now incurred {$90000.00} in student loans for an XXXX XXXX XXXX at a school that I recently found out is not accredited. They intercepted both my XXXX and XXXX tax returns totaling {$10000.00} and on the XXXX they had only taken over 6 months earlier, they took XXXX % of my {$4600.00} return and only paid {$650.00} toward my loan, and they took XXXX % of my {$5100.00} loan. They have refused to send me any information on my loans and this is what they sent me in an email This is to acknowledge the receipt of your email. Please be advised that we forwarded your email to our operations department who is currently handling the account. You can also call their hotline number at XXXX for further assistance. 

Which tells me nothing .... I still have no answers and I have been chasing after this information for months now ...

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-26 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: MI

Complaint narrative:
I 've received multiple calls on a daily basis on my cell asking for someone I do n't know. I 've told the agency I 'm not the person they are trying to contact, that they are calling a company issued cell phone and I have had the number for 7 years. Last week I asked they stop calling this line and I received another call today

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: RMS-Recovery Management Services, Inc.
State: NY

Complaint narrative:
I was in a XXXX accident in 2011 i was not able to attend the XXXX semester at my college. The school is trying to charge me {$22.00}, XXXX for the semester. I submitted all documents needed to support my claim. School denied medical necessity although they had a dr XXXX not stating the reasons i was unable to attend

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC.
State: TX

Complaint narrative:
On XX/XX/XXXX, a collections account from " Wakefield & Associates '' was added to my credit reports ( XXXX, XXXX, & XXXX ). I did not recognize this accounts and immediately contacted the collector. I was told on XXXX occasions that I owed a collective balance of {$5000.00} to a hospital in XXXX. I was not provided with any information to verify the debt besides a hospital name as the Creditor. I contacted the hospital and it was confirmed that I do not have a balance with the hospital. I contacted Wakefield again with a telephone no. for the hospital to verify this and the agent refused to assist in verifying the absence of the debt they claim I owe. I asked for specifics on the debt ( it was stated that they are trying to collect on XXXX visits to the hospital ). I was told they could not disclose the information on the specific accounts, only the amounts - no dates of service, etc. I have never received any written communications in regard to the alleged debt, although I did provide my current mailing address. I have verified with my insurance co. and the hospital that there is no balance owed. The collector refuses to provide an account number or proof of debt. The original creditor states there is no existing debt, that it was paid by my insurance company at the time of service.

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 2016-02-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MD

Complaint narrative:
My Husband was the primary breadwinner. He was XXXX for the XXXX time XX/XX/XXXX. He died XX/XX/XXXX. By XX/XX/XXXX I realized I could not afford to keep the house and I listed the property with XXXX XXXX Properties for {$270000.00}. I had a full price offer within a day, but if fell through 2 days later. Shortly thereafter I had a XXXX offer in the {$260.00} 's. It also fell through quickly. XXXX XXXX made a bid of {$240000.00} XX/XX/XXXX but I needed to get {$260000.00} to break even. The {$260000.00} consisted of a XXXX and XXXX trust both the held by XXXX. Thereafter XXXX XXXX notified me on several occasions that we had received one or another verbal offer but none were above {$210000.00}. XX/XX/XXXX I asked XXXX XXXX to contact XXXX XXXX to see if she was still interested and might pursue the property as a short sale. I accepted her offer of {$240000.00} on XX/XX/XXXX subject to a short sale. I completed my short-sale paperwork and we submitted it through our short sale negotiator XXXX XXXX of XXXX & XXXX XXXX on XX/XX/XXXX. By XX/XX/XXXX could no longer continue making payments. During the ensuing 5 months XXXX " lost '' the paperwork and we resubmitted it several times. XX/XX/XXXX I was notified that XXXX had sold the XXXX Trust to " SLS '' while retaining the XXXX trust. I resubmitted my paperwork to SLS. SLS sent XXXX appraisers to the property. The XX/XX/XXXX appraisal I was told was $ XXXX and the XXXX appraisal was for either {$270000.00} or {$280000.00}. XXXX figure was given to XXXX XXXX 's office and another To XXXX XXXX. No copy of either appraisal was ever provided to myself, or to XXXX XXXX, or to XXXX XXXX. XXXX XXXX was informed that SLS would consider a dispute of the appraisal ( s ) and would respond with 5 days upon receipt. By this time my agent XXXX XXXX had announced his retirement effective XX/XX/XXXX and I hired XXXX XXXX of XXXX XXXX XXXX who put together a copious, highly detailed, XXXX with a value of {$230000.00}. It was submitted XX/XX/XXXX both by e-mail and by fax. Our 5-day appraisal dispute review period has come and gone with no response. In the meantime XXXX XXXX, my purchaser has withdrawn her offer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Halsted Financial Services, LLC.
State: MD

Complaint narrative:
Please see Complaint # XXXX ( I have recopied it below ). It is the very same details except they are now using a different number to call from. Now they have called XXXX ( Re-copying complaint filed XXXX/XXXX/2016 as now they are using a different number ) For the last 2 months I have been receiving calls from multiple local numbers with a XXXX or XXXX area code. When I answer the calls just drop. I call the number back, and I hear music for a few seconds and someone Answers. The person comes on trying to obtain personal information from me. On XXXX XXXX, 2016, I received a call around XXXX. EST again from XXXX and the same thing happend. I answered and then the call dropped. I called back from a different number and the representative indicated they were with Halstead Financial and that they would need more information. I have not received any correspondence from this company. The representative indicated they could not provide any information to me without verification, she asked what number was receiving the calls. Although reluctant, I decided to confirm my phone number with her, because the calls are frequent and disruptive. Additionally the fact that all the calls result in hang up on their end as soon as I answer. For the last few weeks I have been monitoring my calls more and that 's when I noticed the similar number. Once I confirmed the number she was calling she asked for my social security number which refused to provide. I asked to have a letter detailing the issue sent to me and was told " how can we send a letter if we ca n't verify who you are '' I told the representative I would not provide information and I would like my name removed from their call list. I was told that was not going to happen and that I would be receiving more calls. I have no idea what this company does or what they are claiming with respect to me. I am concerned because in XXXX of this year I was a victim of identity theft. Since that time, I have been receiving numerous calls from unknown and strange numbers, my mail was also intercepted on 2 occasions for weeks at a time, and my financial information was delivered to other addresses. I also checked and I do not see that this company is licensed as a collection agency in my state. 
Consent to publish the description of what happened

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
I received a letter from Monterey Collections stating that I had an outstanding bill for Medical services in the amount of XXXX. I have called them three different times left messages and no calls returned. I have now received From Protect My ID account that this company has now added a Negative Rating on my Credit for a bill which I knew nothing about. Doing some research I found out that they bought receivables from a company named XXXX , XXXX which is being investigated for fraud by the Federal Government. I have contacted both XXXX and XXXX and disputed this charge. I have never been late on any bill and have always paid what I owed. I do not know what these services were nor to I think they are justified. I do not even know who ordered these presumed tests in my behalf. I have always had insurance coverage and have paid any deductibles or co pays when I have received a legitimate bill. This charge smacks of fraud and I would like this taken off my credit information as well as having Monterey Collections seize all further action for a fraudulent charge they are not due.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Specialized Loan Servicing Holdings LLC
State: AZ

Complaint narrative:
I had been working with SLS or the past two years. While working with SLS I made my monthly house payments on time so that if the loan was not approved I would still maintain my house. My original loan was through XXXX XXXX XXXX. Apparently they sold my house loan to SLS. I had applied for a HARP modification on my home. I have waited almost two years with numerous phone calls and resubmitting documents, rude behavior, and promises. I was finally approved for the Tier II loan and had made the payments as agreed. While in the process of making the payments and paying as agreed with the modification approved my home was sold to XXXX. I was not notified by SLS that they had sold my loan, but they were still accepting my house payments until the loan sold on XXXX/XXXX/2016. XXXX purchased my home and has filed documents for me to vacate my property at XXXX XXXX XXXX. The Bank wants me out of my house. They have already took my property and Deeds of Trust and I have not been notified to vacate by the courts. I did as required, made my payments as agreed and sent in all documents. But for SLS to sell my home from under us is wrong. We were not delinquent. SLS has not been faithful and truthful on their parts, and are very rude, and disrespectful on helping. Each phone call is a different lie, or they ca n't find the documents or never received. I have had to submit documents more than three times on some occasions. I need help on getting my house back. My husband and I are XXXX XXXX. My husband is XXXX and I am XXXX in a few month. We have no place to go, we do not have the funds to hire and attorney, or moving expenses. How can SLS sell our home when we was current in our house payments. Please help us. I can mail or fax documentation copies as requested. I believe we have been removed from our home illegally. There tent to be an on going situation with SLS and XXXX committing fraud on taking homes from people. In the area I live it is called flipping homes and I believe I have been the victim of the scams. Some months I had to pay extra {$300.00} monthly payments above the {$1100.00} house payments. Plus, I had to pay closing cost in the amount of {$650.00}. With HARP Loans I were told you did not pay closing costs. 


I Desire that SLS go back and buy our home back from XXXX and finish our loan with us. We did not breach our contract. SLS sold our loan to XXXX without making them aware they had approved us for a Loan Modification. We want XXXX and SLS to review their documents and give back what we have worked hard for the past 15 years or so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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: WAKEFIELD & ASSOCIATES, INC.
State: VA

Complaint narrative:
This is a duplicate collection attempt from a different collection agency both from the same service provider. Details about the debt is below : I was unemployed at the time when this debt collection attempt took place. At that time, a local agency called XXXX was providing XXXX for my family during the winter and summer and they have been making payments to XXXX XXXX XXXX to cover my utility bills. I do n't know what went wrong and I was not notified of any issues with my energy assistance that I was receiving from XXXX. I was going through hardship due to job lost. I was receiving XXXX and other other help from the state plus XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: FL

Complaint narrative:
I set up auto-pay option on my account with the help of an account representative. I was allowed to select a payment date of the XXXX date of each month and was assured that was within the grace period. 3 months later, I noticed that I 've been charged late fees for each of the last 3 months. I have received XXXX notifications, either through the secure message part of the website or via e-mail.

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