vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA

Complaint narrative:
Long story short. A few years ago took out a title loan, the car was crashed and paid off ( partially ) the company ( named above ) reached out that I still had payments. The only contact they had was my Old number and my old job number, so were n't able to get in contact with me. This XX/XX/XXXX I had a summons to report to court I did that. Where me and a lady from the above company name met and signed an agreement that I 'd pay an amount. I did miss the payment of not working right now ( which I explained at the court ) I only receive Cash aid and Food stamps. On XX/XX/XXXX at a approximately XXXX my old coworker texts me like HEY, SOMEONE CALLED YOU REGARDING SOME MONEY. I asked him if he got her name and number, he only got the number. So he then tells me, YEA SHE WAS ALSO ASKING IF I COULD GIVE HER YOUR LAST XXXX SSN FOR VERIFICATION OR AN PAYROLL INFO, my friend said he could n't provide that information to her. I then reached out to the company where a lady was being very UNPROFESSIONAL she went on to tell me WHY THE XXXX HAVE N'T YOU PAID YOU WENT TO COURT AND SIGNED PAPERWORK, YOU KEEP GIVING US THE RUN AROUND, yada yada yada, so I went on to inform her that first off, you 've been calling my OLD place of employment I can give you my cell and I can make a payment on the XXXX of this month. So eventually, I asked to speak with someone else, the mean lady said that another lady named ( XXXX ) would contact me. It 's XX/XX/XXXX and yet to hear back. I just would like to be able to pay or miss a payment in peace, like stuff happens, I told her I 'd pay this coming Fri and it was like if you do n't have now then where gon na take further action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NJ

Complaint narrative:
Quite simply, I authorized a transaction to Honda Financial Services for my monthly payment in a timely fashion. I posted this payment on XXXX XXXX, 2016 and it cleared my bank ( XXXX ) on XXXX XXXX. My payments are due on the of each month. 5 days later, Honda Financial posted another transaction of XXXX to my checking account without authorization. They claim it to be a " glitch '' but they do not realize that this XXXX over drafted my account. It 's not about the fee! They have denied me access to my own funds through an unauthorized transaction, however long that may be for. This is clearly a violation of my lease agreement. I have paid on time, every month. Doing business with an institution like this ( who violates their lease agreements ), is not in my best interest as a consumer. I wish for any action to be taken to terminate this lease as I do not wish for Honda benefit from hard working, bill paying American citizens.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Bureau of the Hudson Valley, Inc.
State: TN

Complaint narrative:
i have paid the debt 2 months ago and XXXX continues to report a paid debt to different collection agencies. claiming a paid debt is still due. i have receipts showing it was paid, they send it to collection agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Chaparral Inc
State: OH

Complaint narrative:
This company has been pulling my credit randomly without my authorization. Once I got a hold of XXXX and seeked legal advice I told them everything about this company and they told me to still report it to you. This company I had an auto loan that was in default. They turned to XXXX to reach out to friends and family. They got a hold of a friend and told him personal info regarding my information on how much I was past due etc. All this was done on social media XXXX. Once I found out that this was illegal I want to make sure this did n't happen to anyone else. This company will give out details to anyone on XXXX. 


*On the info I uploaded with messages it is kinda scattered dates because thats how it came forwarded to me*

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04 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 went in to Credit Collections Bureau and paid a small claims, the front desk person looked it up and told me the amount, paid by debit card and got a receipt that said judgement paid. Now I find out that there is more interest to pay. I am XXXX and trying to close on a house they said I owe XXXX more in interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: The Law Offices of Gerald E Moore & Associates, PC
State: GA

Complaint narrative:
Received phone call at my place of employment from collector, I requested that they no longer call me at my place of employment and they have continued to do so. They have also threatened legal action regarding my debt and initially refused to provide verification of the debt by mail. They have called repeatedly, sometimes as many as two or three times in a day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC
State: IL

Complaint narrative:
this is my second request to you asking for your help. 
XXXX hired a collections agency who suddenly put XXXX on my credit report stating that i owe at and t this money for a landline they state i owe them for!! i have not owned a landline in at least 5 or 7 years. no one sent me any bill for this, not XXXX or this collections bureau they hired. i have written XXXX by email to the girl in the dept of the collection agency regarding this XXXX is one of the biggest scam, dishonest monopolies in this state. everyone i know has complaints on them of how they try to steal their money. i quit XXXX over a year ago now. they overcharge you each month. you have to sit on the phone for hours as they toss you around from dept to dept and each dept blames the other dept. its outrageous. it just goes on and on like a horror movie. nothing ever gets done properly. they need a committe appointment just to oversee all the theft and lies at and t is committing by the XXXX every single day! its atrocious!! now this!! a scam of some kind to say i have a landline phone!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Genesis Lending
State: WA

Complaint narrative:
My loan was through an agency that close and right now is going through a bankruptcy. The school I when to broke state law and I am in the process of have any loans with the DOE placed in a forbearance. I need to have my private loans with genesis removed from my credit report because I no longer have an account in default with genesis lending services.

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
Consumer complaint received 2016-05-10 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Genesis Lending
State: MS

Complaint narrative:
I was issued XXXX loans by XXXX University from Genesis Lending. While in school interest and payments were requested of me. I was unaware of this loan being a private loan and therefore could not consolidate it. I was not notified that these loans were sold to some other company that is requiring immediate payment. I can not pay {$740.00} a month for XXXX XXXX and then {$240.00} on another XXXX. Why was I not informed of these changes and why ca n't get some relief from this company? The school DID NOT inform me of what or where these loans were coming from.

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 explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: CA

Complaint narrative:
I continue to receive calls from Receivables Performance claiming that I owe money. Lately they call continuously and do not answer. Multiple times a day. I have explained that I have not been given verification of debt since I had to pay XXXX XXXX XXXX a sum of money when I cancelled my service in store. When I do get a chance to talk to a representative, they are typically rude and tell me that I owe more money and did n't pay enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 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: Brown’s New Credit Bureau Inc.
State: AZ

Complaint narrative:
They keep showing account open and reporting it to " my credit report ''. This was discharged in bankruptcy, I would like them to show it closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Checkr, Inc
State: FL

Complaint narrative:
This company did a background check on me and committed a very serious error by placing in the report information that does not belong to me ; that is, the information is not about me and it is adversely affecting me personally and professionally. I have a clean record, with no problems whatsoever. Therefore, I am asking you to help me find out why this serious error was made and to resolve this problem as soon as possible, since it is harming my present and future prospects. For example, the XXXX company XXXX has rejected my application based on this error. 
I have a similar case regarding XXXX. I filed that claim with you all, and the case number is XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Receivables Performance Management, LLC
State: OH

Complaint narrative:
they are calling numerous times a day.

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 2016-07-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Regional Management Corporation
State: OH

Complaint narrative:
this company calls me several times a day. At least 4 or 5 times and leaves several messages. I thought they were only allowed to leave one message per day? This is getting on my nerves.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Southwest Business Corporation
State: TX

Complaint narrative:
I had an issue last year where hail damaged occurred. I filed a claim with my insurance, and they issued me my first check. They made the check out to myself and SWBC. 
I sent this into SWBC for endorsements, and was asked to file numerous paperwork. I did that, and they issued me a check for the half of the insurance payment, made out to my roofing company, and myself. However, due to the length that it took them to process the check, I had to switch roofing companies, in order for the repair to be completed in time. 
I reached out to SWBC and told them I needed to have the check re-issued to myself, and I would pay for the roof repair out of pocket. I had to send in more paperwork in order for that to be done. I did, and they told me they would issue the check just to me. I continued with the repair ( paying for it all out of my pocket, since their process was taking forever ), and their inspector came out to approve. 
They sent me the XXXX half of the XXXX insurance payment, and endorsed the check for the XXXX insurance payment. However, I never received the re-issued check for the first insurance payment. 
I called them, and they told me my account was closed, and the check had been sent months prior. When I told them I never received it, they asked me to send in the check ( issued to myself and roofing company # XXXX ), and they would send me another check. They did n't however, only endorsed the check ( which made no sense ) and sent it back. I have sent the check back again, and they are now telling me I need more paperwork in order to get my money back ( which I do n't understand when the account was supposedly closed out ). I have asked to speak to a supervisor with none available. I still am out the {$3600.00} that I have already paid to my roofing company, and it has been 2 months. I keep getting the run around from SWBC on what it 's going to take to get this money paid to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Getting a loan — Can't qualify for a loan
Company: Genesis Lending
State: CA

Complaint narrative:
I attended XXXX which is located in XXXX, i was told i would find a job easily after graduation but the reality is that career representatives will push job leads requiring 4 to 6 years experience so i would wonder why??? The curriculum was out of order. Some classmates were denied education due to late payments. So now i have a minimum wage job to get me by in life while i have to pay student loans for an education that im not using.

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 explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Northern Alliance Management, LLC
State: NY

Complaint narrative:
Company NAM, LLC has been calling me and other family members about a closed bank account, saying I owe money on this account. I asked that they mail me information about this account, they refused. I searched the phone number online and found that many people have experienced calls from this company and that it is a scam. Number I was told to call is ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUN WEST MORTGAGE COMPANY, INC.
State: VA

Complaint narrative:
I recently refinanced my house with the same lender. The closing date was set at the end of XXXX and I had already sent in my payment for the month of XXXX. As there was to be two months of " skipped '' payments ( notice enclosed ), this would have been XXXX and XXXX with payments beginning XX/XX/XXXX. I called the broker, XXXX, who stated that Sun West Mortgage would catch the error and return the check. When the check was not returned in several weeks ' time, I began inquiries. They acknowledged receipt of the XXXX check, but after that, there is obfuscation only. One individual claimed that the payment was included in the return of the escrow account, which is false ( copy of the escrow balance and the check enclosed ). Enclosed is a copy of the letter which I sent to the CEO ( no name was given in the online information ). I have also enclosed a copy of the " stub '' from the statement for which the XXXX payment was made. I also received an email from a XXXX, Servicing Representative stating that they would provide me with a formal written response by XX/XX/XXXX which did not happen. Documents are in the attached PDF file.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-07 00:00:00
Product: Consumer Loan — Title loan
Issue: Can't contact lender — 
Company: TMX Finance LLC
State: SC

Complaint narrative:
Received email from lender stating that they were going to sue me and inform my employer and I was only 2 days late. Here are their words : " Do revert back if you want to get rid of these legal consequences and make a payment arrangement today or else we would be proceeding legally against you. And we apologies that this notification will also sent to your current employer. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: TD BANK US HOLDING COMPANY
State: FL

Complaint narrative:
My online account shows a positive balance of {$170.00} and yet on XXXX they hit me with XXXX overdraft charges of {$170.00}. which put the account negative and then they hit me with another {$100.00} overdraft fees on XXXX and XXXX. XXXX of the charges were for less than {$10.00} and yet they told me any overdraft under {$10.00} would not have such a overdraft fee. They also re sequenced the charges so as to maximize fee. The same game that they were had class action suits for. The account is {$160.00} negative only because of there {$280.00} overdraft charges over XXXX days

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Senex Services Corp.
State: IN

Complaint narrative:
Senex has been reporting on my credit reports that I owe {$30.00} for a medical account from 2010. I have sent them documentation that the original account holder failed to bill medicaid and showed them the eligibility of medicaid at that time. I have talked to Indiana Medicaid office and they told me what to send them but they still will not remove the debt off my credit report. I have sent them 3 letters asking for removal of account off my credit reports and all they send back is a letter telling me to pay this account when I dont owe them or XXXX XXXX Hospital.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: TD BANK US HOLDING COMPANY
State: CA

Complaint narrative:
On XX/XX/XXXX I made a purchase from an online business called XXXX & since I 'm a XXXX ( I work for XXXX ) I utilized a website called " XXXX XXXX ) to initiate a discretionary allotment to have {$43.00} deducted from my paycheck every pay period ( every XXXX weeks ) sent to the financial institution XXXX designated which is XXXX XXXX. however I then learned that the RTN I used to establish my allotment is actually for TD Bank NA. On XX/XX/XXXX, I input the correct data ( again using XXXX XXXX ) and took action to redirect the allotment of {$43.00} per pay period to XXXX XXXX. At th time I THOUGHT I had terminated the erroneous allotment to TD Bank. Unfortunately today I learned that the alllotement never stopped and that since XX/XX/XXXX, {$43.00} has been deducted from my pay & sent to TD BANK ... for no reason whatsoever. 
After, confirming that the correct payment & allotment I input when I changed the deduction to send XXXX their payment was, in fact, input correctly ( this was confirmed by virtue of the fact that I have a remaining balance of {$190.00} on my purchase, I then undertook the task of contacting TD Bank to determine why they were holding onto monies sent via an allotment every into an account that I have absolutely no connection to. I tried to speak with them, providing more than enugh identifying information for myself as well as the RTN, Account number, typw of account and EVEN EACH AND EVERY DATE PERTINIENT TO THE TRASNACTION/ISSUE : 1 ) The date the initial payment was sent ; 2 ) Each and every date a payment was made ; 3 ) ANY date wherein an action of any kind took place ( I was able to do this because XXXX XXXX keeps detailed records pertaining to any inputs and/or transaction that take place associated with my account. 
Despite all this they refused to provide me with any inforation pertaining to the ownership of the account - something that is absloutely necessary for me to know in order to be able to contact the entity holding those monies & have them remitted.

Company response to consumer: Closed with explanation