vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Immediate Credit Recovery
State: NY

Complaint narrative:
I XXXX in 2014 and had a loan with XXXX. However, my loan was handed over to a collecting agency - Immediate Credit Recovery without notices, which incurred a fee of $ XXXX. Moreover, as I wanted to see a detailed information of loan : interest rate and how it 's been accrued, the loan collecting agency refuse to provide me such information saying they do not have it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Lendmark Financial Services
State: SC

Complaint narrative:
A loan amount from Lendmark Financial appears on my credit reports in which the debts does not belong to me. I have contacted the creditor on several occassions explaining to them that I have been a victim of idetity theft for over 21 years and that the listed fraud account account thats reporting to XXXX, XXXX, and XXXX does not belong to me and to please remove it at once. I spoke with the manager at the Lendmark home office ( XXXX XXXX ) and she advise me to send her a copy of a police report and a photo copy of my drivers license. I complied to her request only to find myself in a whirl spin though if it seems none of the documents are n't good enough. She complaining that the police officer did not sign of on the report, or the police officer spelled her company name wrong or my identification is too dark. This has been very time consuming and very stressful. 
It would be greatly appreciated if you all could assist me in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Oak Harbor Capital, LLC
State: TX

Complaint narrative:
A writ of garnishment on my bank account was issued by XXXX, Place XXXX on behalf of Cerastes, L.L.C. and XXXX & XXXX. I have filed a motion to vacate on grounds Plaintiff has no standing. 

Need constructive assistance with this case. I do not believe I will receive substantive justice. Justice of the Peace seems to be serving as a debt collector XXXX out writs for the Plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Evergreen Moneysource Mortgage Company
State: CA

Complaint narrative:
I came to Evergreen Home Loans, specifically XXXX XXXX in XXXX because she was highly recommended by XXXX in XXXX. I filled out the loan application online. I was prequalified in a few weeks which was too long, and ultimately became too long for the purchase of the property. XXXX took 6 weeks to send out the disclosures for the loan application from 6 weeks earlier. I had received no information as to all the fees and expenses to getting a loan. I was forced to sign them even though the data was out of date. I was also forced to use my married name which was no longer my name since my divorce. She complained that she had too many loans to process and did n't have time. I learned along the way that the loan priority was whoever complained more and was close to their closing date received more priority. So far, this I professionalism was quite obvious and the situation became even worse. 
She rarely returned phone calls. If she did, it was so I could resend the original documentation for the third time or to ask me to verbally repeat information that she forgot. She gave me no answers to my questions and the any documentation had incorrect information which she believed was the truth. Her staff was incompetent especially XXXX XXXX. She asked me to sign the new disclosures in her office after I flew out from California. They were incorrect again so I went back home to XXXX. She and her staff do n't know how to be organized or professional. She forgot about my closing of XXXX XXXX. I reminded her, but she never picked up the phone and XXXX was too incompetent to deliver the message. I lost the house because of her. She did a " bait and switch '' at closing, assuming that I would accept it. I would n't take the loan. I spent thousands of dollars on travel to this house. For what? Unethical treatment and behavior. She obviously had no clue how to handle the loan along with her staff and confused her loan processor. I have XXXX witnesses who will give testimony to her questional unprofessional and unethical dealings. I contacted XXXX XXXX, her boss, who ignored me with concrete answers to my complaint. I later got financing elsewhere for a fabulous home and closed within 30 days. I began working with her XXXX in XXXX and the house never closed. Is this really acceptable? We know that it is not appropriate and there are competent loan officers out there.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 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: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Debt was the result of fraudulent charges that were charged to my XXXX account as part of a prepaid rental. The rental was prepaid with priceline.conm to include insurance at a cost of {$200.00} for 3 days. At the end of the rental an additional {$230.00} was charged to my card in addition to the original {$200.00}. When I inquired about the duplicative charges I was told that is was for additional insurance policies that I never asked for and some were actually duplicative. The prepaid amount included {$9.00} per day of damage and collision but XXXX included the same insurance at {$27.00} a day without my consent. XXXX and XXXX both agreed that the charges should have never been posted to my account and XXXX voided the charges. I am now receiving a collections notice that these fraudulent charges are being put on my credit report. I never received a certified letter from the collections agent just a regually mailed letter as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: American Collections Enterprise, Inc.
State: DC

Complaint narrative:
My parents received repeated phone calls from a company called ACEI ( American Collections Enterprises Inc ) regarding an alleged {$39.00} debt I owed to a dental practice. A woman by the name of XXXX XXXX requested that I call them. 

XXXX XXXX -- and her manager, XXXX XXXX -- both committed what I believe are violations of debt collection laws. They said the phone conversation was recorded, so I believe there is a clear record of their misrepresentations on file. 

XXXX XXXX told me that the debt dated from XXXX XXXX, 2008. When I asked if it was legally enforceable, she told me that it was. This is flatly untrue -- I live in XXXX, XXXX, a jurisdiction with a three year statute of limitations. 

Additionally, when I asked for written confirmation of ACEI 's attempt to collect the debt, both XXXX XXXX and XXXX XXXX refused to mail me such a notice, even after I informed them of their obligation to do so. 

I do not believe I owe this debt, and I believe that ACEI is providing false information to consumers about their obligation to pay out-of-statute debts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: American Collections Enterprise, Inc.
State: MD

Complaint narrative:
I have asked American Collections to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect interest on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Alternative Revenue Systems, Inc
State: IL

Complaint narrative:
Today, I called alternative revenue service about settling my debt that I had with them for 15 % of what was owed after paying for the past XXXX months. The woman I spoke with was XXXX, she informed me that she could do it. I explained to her that this debt would be removed from my credit in the next XXXX months, and she informed me that the statue of limitations started over when I made the XXXX payment because of IL law on debt collection. I was n't told that the beginning when I made arrange to make payment. I was also told that I could be sued because the statute of limitations. I think that she told me this information to scare me into paying off the debt or neglected to tell me about the statue of limitations in the beginning in order for to XXXX me into something that I did n't know about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: CA

Complaint narrative:
This is a recurring incident that occurred in 2013. XXXX XXXX credit card ( XXXX XXXX ) did not refund the charges made by XXXX XXXX from XXXX located at XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, CA XXXX. {$2500.00} were charged to my XXXX XXXX Credit Card ; however, XXXX XXXX never performed any service for the toothes he charged. XXXX XXXX, only work on a different XXXX and charged my XXXX insurance XXXX XXXX ( XXXX insurance ). I have this XXXX and health insurance thanks to my Domestic Partner XXXX XXXX who works in XXXX XXXX XXXX. After abusing behavior that included violent word, XXXX failed to refund the {$2500.00} made on my XXXX XXXX Credit Card. I am still disputing the charges since 2013. Every time, I explained the situation to the collection company, XXXX XXXX hire and changes Collection Company to insist in charging the XXXX dollars. I find very unjustifiable and unfair to pay for this charges that was wrongfully charged, but if needed to clear out my credit, I would pay those unfair charges to clear out this problem. Now, i had received another collection letter, and constant telephone calls trying to collect the charges. XXXX XXXX hire different collections companies, and when I explained, write a dispute letter, XXXX XXXX hire another Collection Company to start over the process and harassing with calls and voice messages. In my file to Credit Financial Bureau, you can see many letter written by me to complaint about this situation that has n't been addressed since 2013. XXXX XXXX has written letters with many mislead information which are very far from what actually happened. I am in a XXXX whom can confirm my statement XXXX : XXXX XXXX XXXX XXXX XXXX XXXX XXXX , CA XXXX Phone : ( XXXX ) XXXX. XXXX XXXX XXXX have performed XXXX, and he can state that XXXX XXXX never did or performed anything in the area he charged without doing any service nor replacing any 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 non-monetary relief
Consumer complaint received 2015-07-15 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: VA

Complaint narrative:
Harassing phone calls for XXXX years. I do not owe any money to anyone, this was always a mistake. Told them by phone. Sent them a letter through their organization. Reported them to XXXX. Notified the Attorney General of Virginia. They have called at XXXX on Sunday morning, all hours day and night. It stopped in 2011 after the attorney general notified them to stop. Recently it has started again and I want it stopped before I explode. I am XXXX vet with XXXX and need to have the harassment stop. It is insane that someone who 's paid every bill over his lifetime should be bothered by XXXX like this at age XXXX. The company, Allied Interstate, is obviously run by incompetents and or psychopaths

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAINE & WEINER COMPANY, INC.
State: NY

Complaint narrative:
Under Communication tatics you do not have faked caller ID so I also selected the second problem. The fake caller ID representation. Is most important to me I have received many calls that ended up being from a debt collector calling from the number XXXX. So I returned the call and it was not in service. SO since this debt collector is doing this, he can lie aand state I never responded back to their calls. I even have all saved voicemails and a phone call when I asked him I tried calling the number on calle Id and he said why didnt you call the number he left in the message. So i said who would. Thats the reason for caller ID I asked then why are you faking your caller ID number. On the recorxing he states it doesnt matter. He also states in his messages to look better in court that " We have been trying you for several months '' Its a scam to proceed to court quickly and its wrong to fake the caller ID of a debt collector because its considered falsifying who you are

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Residential Bancorp
State: TX

Complaint narrative:
BANCORP has sent my family on an emotional roller coaster from the start. My husband and I, our XXXX sons ( aged XXXX & XXXX ), and our dog, are currently homeless as a result of repeated indifference and inaction from BANCORP. We have moved a total of XXXX ( XXXX! ) times in XXXX weeks due to broken promises. Throughout this process, we have asked for open communication and honesty. We have received neither. Instead, we have been repeatedly stonewalled and given the run around. We have been extremely patient and understanding, yet that has not resolved anything. 

We were initially disclosed on XXXX/XXXX/2016 with a closing date of XXXX/XXXX/2016. The total disregard for the closing date, time and time again, has been unprofessional and disheartening. The most recently promised closing date of XXXX/XXXX/2016 will not be met as they have contacted our mortgage broker to say that the investor is no longer doing business with them. They also mentioned that there are XXXX other loans that were in the program. Every week we are told that it will close the following week. 

My children do not know where we will be tomorrow. This constant sense of unknown, of homelessness, XXXX. The same can be said for our XXXX year old dog. Furthermore, the financial burden of constantly moving weighs heavily on our family. We are spending $ XXXX- {$350.00} a night on temporary housing. To date, we have spent over {$7000.00} on temporary housing. We will also have to hire movers twice ( {$2500.00} ) and we had to rent a storage unit ( {$600.00} ) because our closing date keeps getting pushed back, over and over again, by BANCORP. 

My husband and I both have fast-paced jobs that we both love. For the last month we have not been able to fully dedicate ourselves to our jobs and our family. It is extremely time consuming to keep rescheduling installation and setup for utilities, cable, phone, and various other necessities. 

I do not wish the experience that we have had on anyone. A lot of this would have been prevented if - from the outset - a representative at BANCORP would have been transparent with us, providing us with a realistic closing timeline and letting us know that our closing date may need to be extended. We would have been able to extend our lease on our home and would not have had to endure the last three weeks of uncertainty. I never thought that I would be homeless. It is unacceptable for a company to have such disregard for their customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: DE

Complaint narrative:
They have been spoofing phone numbers for the longest time, calling at all hours. Since Friday, they have spoofed XXXX different numbers and called 17 times without being forthcoming about what they want. I want them to stop harassing me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
I was turned down for a loan by Honda Finacial Services XX/XX/2016 there number was XXXX. Honda Finacial service number is XXXX. I requested an explanation from them of why I was turned down and a copy of the credit report from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX. XXXX. I did this by sending them a copy of the form letter to both companies. This was done in XX/XX/XXXX I mever heard back from either company it has been over 60 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Adler Wallach & Associates, Inc.
State: FL

Complaint narrative:
I have been a patient of XXXX XXXX - XXXX office - for their XXXX. At first, they had a great doctor, so I was happy with my service. They have however changed the doctor and everything went downhill from there. There were several times when I would show up for an appointment, to be told that I have to reschedule because the doctor is not in today, or something has happened - I do not understand how the receptionist could not make a phone call and let me know ahead of time, before I loose the XXXX min to get there. I had to stay with them as I have already paid in full, therefore I just kept on going, trying to be understanding, and mostly because I did n't have too much time to research other doctors and go through the process again. Because I liked the doctor, initially I did n't really pay attention to their managerial skills. In time however, I started to notice how unorganized and unprofessional their whole office was. 
Just to give you one example of this total lack of organization and care : My insurance changed, and they had some problems with the billing, of which I was not aware until a half year later. When I finished my treatment, I asked for my balance, I paid what I was told that I owed the company. A couple months later, I checked my credit score, and apparently I have been put in collection for a {$600.00} bill that I have not been told about. When I called for clarification, the corporate office not only was very dismissive, but told me that they have two types of accounts that they use at their offices, and that this bill was for my second account. 
How is it possible that somoene asks ahead of time how much do they owe and than they get another bill charged. I have checked with XXXX, and apparently they are not even registered with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAINE & WEINER COMPANY, INC.
State: CO

Complaint narrative:
A computer showed up at my home that I did not order. Contacted the sender ( XXXX XXXX ) and they said they would send someone to pick it up. XXXX arrived and I gave them the package. I canceled the credit card the computer was ordered from and was issued a credit back for this amount. This all happened last XX/XX/XXXX and now I am getting a letter from a collection company in California who is trying to collect this amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Nations Recovery Center
State: NY

Complaint narrative:
I, XXXX XXXX makes a claim against Nations Recovery Center, Inc. This collection agency has mailed to me a notice that I must pay a judgment balance of {$8600.00}. I want it on record that at n time was I ever served on a summary judgment notice in 2003, that I n ever resided at an address known as XXXX XXXX XXXX, XXXX XXXX, New York XXXX. I believe that the current owner of the debt as stated is XXXX XXXX XXXX. This debt buyer has been riddled with deceptive collection practices and sued by XXXX offices in several states as well as the Federal Trade Commission for Fair Debt Collection Practices Act ( FDCPA ) violations. I demand copies of all service affidavits on this summary judgment action from the current debt collector Nations Recovery Center , Inc., as well as from XXXX XXXX XXXX. It has been thirteen years since this judgment was entered, obviously by default as I was never personally served with the action, nor have I ever had knowledge of such an action against. There is no proof that original service was mailed or that a follow up letter was ever mailed as well. I never lived at XXXX XXXX XXXX, XXXX XXXX, NY XXXX. If records are ever checked with the local public utility company of the telephone company, they could discover that at no time have I ever lived at this address, received my mail at this address, or had public utilities in my name or a telephone service at this address. The current debt owner has shown no proof that I ever had any connection to this address, and any future claim of a mailed notice is hearsay without proper documentation that I had a connection to the property or a certified acceptance of the judgment entered against me. The entire summary judgment procured by the debt purchaser is a fabrication, period. The XXXX had recently obtained a civil judgment against another collection agency for similar FDCPA violations such as deceptive collection practices. This judgment is a violation of my rights under the Fair Debt Collection Practices Act and the judgment in dispute must be vacated immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief