vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Nations Recovery Center
State: MN

Complaint narrative:
We owed XXXX XXXX {$500.00} ; XXXX XXXX XXXX filed and obtained default judgment in XXXX XXXX Texas for {$5500.00} ; higher than the debt owed ; payments made were not included in XX/XX/XXXX. Now Nations Recovery Center in XXXX GA is threatening to garnish wages on XX/XX/XXXX for {$9400.00} and wants 25 % paid now which would be {$2300.00} or they will garnish my wages. This judgment is out of state and no longer on our credit report. We are not paying money again ; they would simply not count it and come after us for a higher amount ; numerous complaints on the web against Nations Recovery Center in XXXX GA. Complaints filed with FTC and XXXX Attorney General.

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 2015-12-08 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nations Recovery Center
State: AZ

Complaint narrative:
Nations Recovery Center did not notify the credit reporting agencies after I settled with them on XXXX XXXX, 2015. I am looking to refinance my car and because they did not report payment to the agencies, my credit has not improved. Today 's date is XXXX XXXX, 2015. 

I have repeatedly called them and they just leave my call on hold.

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 2017-03-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Medical Data Systems, Inc.
State: NC

Complaint narrative:
Medical Data Systems recently reported a medical collection on my credit report. Prior to the appearance of this debt, I never received my notice of my right to dispute.

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 2015-07-15 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: IQOR US INC
State: FL

Complaint narrative:
I did not of this debtor until my wages were garnished. i then called them and explained that I was never notified. They explained the address they sent the information to and it was an address i have not lived in for over 5 years. Also, after I filled out the paperwork sent to me, they claime dthey release the wage garnishment yet my employer is still garnishing wages. So I asked for a copy of the release order sent to my employer for proof that they did in fact release the wage garnishment and they REFUSED to give me a copy and said they will not send me any proof of the release.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-25 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 was contacted in the past regarding debtfor someone otherthan myself. Allied Interstate was informed that I was notthe owner of the debt nor did I know them but the multiple dailycalls have continued.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAINE & WEINER COMPANY, INC.
State: IL

Complaint narrative:
A debt collector Caine & Weiner XXXX XXXX, has a fraud account on my Equifax credit report. I have police reports along with my ID and Passport proving I was living out of the country for several years. This is some kind of Fraudulent Identity theft/Financial theft. I do n't owe this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
On XXXX XXXX, 2016 I contacted Medical Revenue Service at XXXX. I spoke with a debt collector named XXXX and his supervisor XXXX. I called to see if a settlement would be acceptable. I was told that no settlement was available. I attempted to end the call. XXXX proceeded to take some brief financial information in an effort " to help me ''. I complied with his request. He gave me XXXX payment options : {$200.00} every two weeks or pay off the debt with a credit card immediately. He made it a point to inform me multiple times, in a surprising manner, that this has not been yet reported to my credit report. I refused the options. XXXX said he wanted me to speak with his supervisor XXXX. I complied. She proceeded to give me the same options. I had previously sent a written dispute of a portion of the debt and attempted to explain the dispute. I gave an example of one of my dispute issues. She said it did not matter because the hospital rendered services that they deemed necessary regardless of what I think or dispute. XXXX then proceeded to use credit reporting as a fear tactic to manipulate me into paying a disputed debt stating ( and the call is recorded? ) that she could n't believe this debt had not been reported to the Credit Bureaus but it will be now. ( Are n't there guidelines for reporting? ). I advised them both to let me be concerned with MY credit report in which I will handle. They continued to threaten to report the debt which they conveyed with doom and gloom if I did not succumb to their demands. 
I have no problem with a debt collector informing me of the consequences of not paying an obligation. To use those consequences as a means to collect a debt through fear is unacceptable and could be construed as harassment. I would not have called MRS if I did not have intentions of resolving the debt. 
Furthermore, the debt was disputed on XXXX XXXX, 2016, sent by certified mail with a signed returned receipt. The validation of the debt dated XXXX XXXX, 2016, that I received from MRS , is incorrect and invalid as the itemized billing statement for services rendered is incorrect and does not coincide with the amount MRS is saying I owe which may be in violation of section 807 of the FDCPA. ( see attachments ). 
I have now disputed this debt 3 times because of duplicate services performed by XXXX XXXX Hospital and their affiliates. Not once have these disputes been formally addressed by the original creditor or by those contracted by XXXX XXXX hospital. I am aware that by law the debt only has to be validated but one would think that to simply address the dispute properly to resolve this debt would save a lot of time, effort and money.

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 2016-06-16 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc
State: DC

Complaint narrative:
I have written a certified letter to this company asking for proof of my signature to allow them to pull my credit reports along with the credit bureaus. I have not received any proof. They have violated the Fair Credit Act Section 1681b ( c ). They were not legally entitled to make the inquiry. This is a serious breach of my privacy rights. I have requested that they either mail me a copy of my signed authorization form that gave them the right to view my credit within 5 business days and that letter was dated on XXXX XXXX, 2016 ( certified mail ) I have also asked the company for a payment of {$1000.00} if they did not have the signed document. Please find attached the response from the company stating they do not have a file in my name or under my social security number but they have not removed their company from credit report. They have abused my rights by pulling report 2-3 times in one week.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB
State: CA

Complaint narrative:
State Farm Bank is not allowing me to aggregate my data from other bank sites/portals where I manage my finances. For example, I manage my personal finances from sites such as XXXX XXXX and XXXX XXXX XXXX. These sites offer personal financial management tools and seeing all of my financial sites in XXXX location is beneficial to me. I recently learned that State Farm Bank is blocking a financial aggregator which powers these online portals.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CT

Complaint narrative:
My family and I needed a new vehicle to fit the six of us and we spent months looking for the right fit. After visiting dealers all over the state of CT we settled on Honda of XXXX. The experience seemed to be going well until the actual lease of the vehicle. I am in XXXX so I had to complete the purchase over the phone and by mail. Honda let my family take the vehicle home while the paperwork was being finalized and we left our trade-in. It took Honda over a month to process the lease paperwork so they told me they would pay the first month of the lease. I thought that was more than fair and had an even better opinion of the dealership at that point. The next month I was able to set up the auto-payment and it seemed everything was ok. Two months later we still had not received the check for our trade-in, even after several visits to the dealer to ask for it. Around the same time I was contacted while XXXX to tell me that I owed Honda for the first month of the lease that they paid for me. I countered that it was my understanding that Honda was paying that month because of their delinquency in completing the paperwork. It went back and forth like that for a few emails until Honda stopped replying and I received a notification from my credit-tracker that said my credit score had dropped. Honda recorded on my credit report on all XXXX major reporting firms that I was delinquent in paying my lease. I checked my Honda account online and paid the overdue balance because, frankly, I ca n't afford to have my credit damaged like that. I requested my free credit report from all three firms once I was able and disputed the claim. I also replied again to Honda to let them know that I thought what they did was unfair and since I paid them the amount they claimed I owed them, the least they could do was remove the delinquency from my credit report. I still have not heard back from them. I did get the resolutions back from the credit bureaus which still has the delinquency for the lease. I 'm frustrated because it feels like the big companies have all the power in these situations and my family is going to be the one that suffers because of it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-28 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Credit Plus Inc
State: CA

Complaint narrative:
this company showed up on my credit XXXX XXXX, 2016, I did n't authorize this XXXX XXXX Misc. 
Creditor Contact Details CREDIT PLUS XXXX XXXX, MD XXXX ( XXXX ) XXXX report on XXXX/XXXX/2016. I did n't apply for anything with

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Nations Recovery Center
State: IN

Complaint narrative:
XXXX KEEPS TRYING TO COLLECT APPLIED BANKS BUSINESS CARD AND IS REFUSING TO REMOVE ITS TRADELINE FROM MY EXPERIAN CREDIT REPORT IN VIOLATION OF FCRA, FDCPA AND TCPA.

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 2017-01-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: NM

Complaint narrative:
This is the third time I have filed a complaint against Medical Data Systems , Inc . It is frustrating to say the least that you never answer any of my questions. I understand the debt was sold to you but you should have a way to find out information about the debt in a timely matter. I 'm not sure how many times I am going to have to do this until I get a straight answer. Medical Data Systems XXXX Inc. is reporting negative information on my credit report that is incorrect. I was billed for a service from XXXX. I provided XXXX numerous times with my insurance information. I have talked to my insurance company and they have confirmed that the claim should have been filed with them. The claim was never filed. Every claim that has been submitted has been approved. I have confirmed this both with XXXX as well as with XXXX. They have not received any claims from XXXX for this bill. XXXX did not do their job correctly by not knowing how to bill insurance companies correctly. Now my credit is suffering because of someone not being able to do their job right. I am demanding that the debt be erased or charged/claimed to the insurance company. Also this was before I was married, my maiden name is XXXX. Again, I need this removed from my credit and the debt to be taken care of with the insurance company. I was not liable for this payment. I had full coverage medical insurance that should have taken care of this bill when it was created. Medical Data Systems XXXX Inc. has been the worst company I have dealt with. This is not the only XXXX I had to get taken care of this is XXXX of XXXX that I had to complain to and provide my insurance information to. The rest of the companies were able to verify my insurance and get rid of the negative reports on my credit report. IN A TIMELY MATTER. Until this is fixed I will continue to file complaints via CFPB because this is wrong on so many levels. I can not afford to pay for this bill and I have to suffer credit wise because of something that should have been paid by my insurance company.

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 2016-05-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
American Honda Finance is incorrectly reporting a 30 day late payment on my credit report for XXXX XXXX. I have a credit report dated XXXX XXXX XXXX that did n't report a late for XXXX, but showed a late in XXXX XXXX, also in error. Also attached is a report from this account from XXXX directly that shows XXXX in XXXX. 
We notified Honda, and they updated XXXX to reflect as paid as agreed and removed the late, but at that time they THEN reported XXXX as a 30 day late, as shown on my credit report dated XXXX XXXX XXXX. There should be no lates shown since XXXX XXXX. I have tried at great length to have Honda correct it but they refuse. I am attempting to buy a home and a new car, and this error is having a significant impact on my ability to qualify and the cost of credit with interest rates. Honda had system problems that were causing payments to not be posted or processed correctly, and they even had an announcement on their website, and their phone system informed people of the problem when you called in as well. ( and we have a photo of their website showing that announcement ) We also have all the proof that shows when the payments were made ( not 30 days late! ) I spoke to XXXX in XXXX at Honda financial together with my mortgage broker, on XXXX XXXX XXXX, with no success. At our request, she transferred us to leave a voice mail for her supervisor, XXXX, which we did. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: DC

Complaint narrative:
Services were rendered at XXXX XXXX XXXX XXXX in XXXX XXXX. 

I paid XXXX XXXX XXXX XXXX with check number XXXX dated XXXX in the full amount of XXXX. The check cleared my bank on XXXX. 

According to XXXX, the amount of {$140.00} was reported as unpaid debt in XXXX, AFTER I paid the amount in full. XXXX XXXX XXXX XXXX reported me to collection agency Caine & Weiner Company Inc when they should not have.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Messerli & Kramer P.A.
State: MN

Complaint narrative:
The debt collector for XXXX XXXX bank ( Messerli & Kramer P.A . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because Messeli and Kramer P.A. are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc.
State: VA

Complaint narrative:
Stellar recovery place a bill on my credit report without sending me a written notice. Also never left me a message to call. I received an email thru my credit alert about the bill.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 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: Stellar Recovery, Inc.
State: CO

Complaint narrative:
XXXX agreed to settle the alleged debt in arbitration two years ago. Now, Stellar has come along and is attempting to collect the debt that was settled with XXXX. 

Stellar is # XXXX for most complaints, and really should be investigated and fined.

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

Complaint narrative:
I have paid this. In person in full. XXXX made me pay it in order to hook up service at a new residents. They keep assuring me it will be removed and keep letting me down they tell me they will have a manager call me and no one calls me this happened five times I 'm really tired of this I paid these people and they have no record of anything! XXXX told me that I did not owe anything and they would send me a letter to send to the collection company stating that the debt was paid and not a debt any more! i 'm still waiting for a letter that was supposed to come last week I 'm not holding my breath.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 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: Stellar Recovery, Inc.
State: VA

Complaint narrative:
This is not mine. I cancelled service before my relocation. Account was in good standing prior to my move and collection of service did not violate any contract agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Stellar Recovery, Inc.
State: FL

Complaint narrative:
On XXXX XXXX I contacted Enhanced Recovery - XXXX to settle my debt and spoke with representative XXXX who refuse to give me her last name because she claims she is the only XXXX that works in the office. I owed a total of {$260.00} and we settled the debt for {$150.00}. She told me I would receive my {$0.00} balance letter by email. The email I receives stated that after I paid the {$150.00} that I still owe {$110.00}. The phone call was recorded and it will be verified that we negotiated the debt settlement to be {$150.00} therefore I should not be receiving a letter that I still owe money. I received confirmation number of XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: WA

Complaint narrative:
XXXX XXXX, XXXX representing Pinnacle Credit Servicices LLC has put a derogatory mark on my Credit Report. I had cancelled my service with XXXX over 7 years ago and they are saying that I owe them evidence to support my dispute on my Credit Report. I sent a letter to XXXX 7 years ago diputing the alleged amount they were stating that I owed. I called XXXX and cancelled my account with them, and told them to turn the phone off because it had been stolen. The thief somehow got the phone re-activated and was using it without my knowledge. I refused to pay the amount owing because I had disconnected my service when the phone had gotten stolen. Pinnacle is asking for substantiating evidence, including a police report ect, a notorized affidavit or a filed court order, and they need that within 5 days. This was a debt from over 7 years ago! They put this on my credit report after the statue of limitations, like it was a new debt! This needs to be taken off NOW! It is effecting the amount of my Car insurance and may effect me getting a loan in the future. At the bottom of the letter it states that " This is a communication from a Debt collector. " " This is an attempt to collect a debt and any information will be used for that purpose '' I had told XXXX not to contact me about this debt, now they are doing it under a collection agency.

Company response to consumer: Closed with explanation