vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-02 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: IL

Complaint narrative:
Rec 'd call XX/XX/XXXX, XXXX, from XXXX seeking XXXX XXXX . Caller said he represents Allied Interstate [ a collection agency ]. I have been getting these calls since XX/XX/XXXX and I 've told Allied Interstate since that I do n't know her ; that the number called has been reassigned and to cease calling and removed my number, but to no avail has this harassment stopped to date.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-01 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Team Recovery Inc.
State: OH

Complaint narrative:
I was physically hit by a car in XX/XX/2013 hit an run accident. Currently in a lawsuit for this case for medical bills, injury etc. Tried contacting medical professionals about the solution but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Apelles, LLC
State: FL

Complaint narrative:
Company placed item on my credit that does not belong to me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: FIRST ADVANTAGE CORPORATION
State: GA

Complaint narrative:
I applied for several apartments and I was declined due to having a " previous eviction ''. For the life of me I could not understand why I was showing a previous eviction because I was never evicted. The most recent apartment was XXXX XXXX. I had an exceptional leasing agent who explained to me why the application was declined. I had advised her I went through a few rough patches where I was always late but I was never evicted. She explained the company lists verified evictions. When I contacted the company they advised me to show proof that I was never evicted. Well it was hard to do because the property XXXX where I previously lived and where they claim the eviction came from has been demolished. I explained that to them and they advised me to contact the court. I contacted the court and they stated that I have never been evicted and they directed me to a site were I could print public records. I printed the records they showed all judgement as paid and resubmitted them to the reporting agency. Although they initially forwarded me to the court they again said the documentation was not enough. My argument is why should I have to prove I was never evicted? Is n't your job to only report accurate information that you have proof of? How can you report I was evicted if you do not have proof that I was? Its defamation, its inaccurate reporting, and it is costing me hundreds of dollars in useless application fees. I talked to the dispute department and he attempted to steer me away from disputing my file. Then I called again and another person was rude in his attempts as well but I forcefully advised him that I wanted the items disputed. I have contacted the company several times with no resolution. Although the dispute as not come back yet I feel that this company should only report information is verified and accurate. 
Thank You,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-14 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: IQOR US INC
State: NY

Complaint narrative:
I currently owe money to XXXX from private student loans. This debt has been disputed and I have filed a Defense to Repayment and the collector is not only calling me repeatedly but also calling my mother in law and my husbands grandmother ( whom neither of them signed anything for me, and one of them does not even speak English ). They have no right to constantly call my family looking for me when they have no ties to me financially. This is unacceptable and harassment.

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 2015-06-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: AZ

Complaint narrative:
Allied Interstate, XXXX has called constantly for the past several days. it is not even XXXX pm today and has called me 5 times with no messages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAINE & WEINER COMPANY, INC.
State: NJ

Complaint narrative:
I am being doubly charged for tuition. This was paid by my Student Loans. I attended XXXX University and took out XXXX XXXX loans to pay for the costs of tuition. I only attended the school for 3 months but am being charged XXXX from the school as well as XXXX for repayment on the loans. My student loans were applied to all tuition charges. I am paying off the student loans ( now Navient ) and am current on my payments. I disputed this debt several times including through the original creditor and have gotten no responses, additionally collection attempts on this erroneous debt were continued to be made after dispute and even during a deferment with XXXX XXXX while I was attending a different school. I do not and never did owe this debt as my student loans were applied to all of my tuition costs and I am paying those timely. This needs to come off of my credit report immediately as I never owed this bill. This is plain and simple an accounting error from XXXX. Therefore XXXX sold incorrect information to Caine & Weiner. I have attached proof of the loans that were applied to the tuition.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: STATE FARM BANK, FSB
State: TN

Complaint narrative:
Had State farm as my rental/home insurance, business, and lender on my automobile. Had a small claim on rental took over 2 years to resolve, crazy adjuster. Had hired a lawyer. Had told me check was on the way. Had held off on car payment, car repossessed. Had State Farm for 30 years. Company are crooks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03 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: Collection Bureau of the Hudson Valley, Inc.
State: VA

Complaint narrative:
I called the creditor and set up a payment plan. I requested that they send me information in writing showing what i owe, and what i paid. They stated they will not send anything in writing ; only a payment reminder for the next upcoming payment. Which is a month away. I stated I needed something in writing for a potential employer and they stated the employer can call them and they would discuss the information via phone, but nothing in writing. I requested it in writing before the 5 business days. 

XXXX Bank : Total Due $ XXXXAccount # : XXXXPayment Plan : {$100.00} XXXX 6 monthsI spoke with XXXX XXXX XXXX XXXX ext XXXX and today XXXX/XXXX/15 and asked to speak to his supervisor XXXX XXXX XXXX XXXX. 

Neither individual will supply with written confirmation on my debt. They payment plan that was set up, initial {$100.00} payment and {$150.00} for 6 months will go over what the total payment is. I can not get a break down summary of what I owe, and what I 've paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: TN

Complaint narrative:
Allied Interstate LLC calls me approximately XXXX times a day. These calls begin before XXXX XXXX. They also continue to call me at work, even after they have been told by my employer that this is not allowed. Sometimes they call me every XXXX minutes all day long. 

They have been notified that they are not allowed to call me with this frequency. They continue to do so. 

When I asked them for an address so that I may file a complaint against them, they would not give it to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Medical Data Systems, Inc.
State: TN

Complaint narrative:
The caller was very rude to my boyfriend with a " you have to make a payment '' today '' or else attitude. They spoke to him about my account, then asked for HIS private information including SS # and work info to collect on a debt that I may owe. I am sure they are not allowed to give information on my accts to other persons having nothing to do with medical or collection aspects of my life. It is " need to know '' information. They say they are about respect and counseling. This was not my experience ... well my boyfriend 's experience anyway. They told him everything and asked for his info. Improper. Now I question their legitimacy and the protection of my personal information

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 2015-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: STATE FARM BANK, FSB
State: DC

Complaint narrative:
I went to my State Farm Agent to conduct some business. In the time that I was there, I decided to open a bank account. After leaving the agents office I was confident that everything was done and that I was only awaiting a debit card, deposit slips and withdrawals slips. I received information by mail that the account could not be opened. When calling state farm bank, I was told that the account could not be opened in a joint account and asked if I still wanted the account opened. I responded to the young lady that yes I want to open the account, ( I was not aware that a new application was being done ). She informed me that I would need to send them verifying information and I asked her could I email that information to her. She in turn said no that it needed to be faxed. I told her that I would take it to XXXX with me and see if the bank could fax her that information since I did not have access to a fax machine. I DID NOT FAX THAT INFORMATION TO STATE FARM. On XXXX XXXX, 2015 monies were transfered to State Farm bank from my XXXX XXXX XXXX account. I contacted State Farm Bank asking that the monies be put back into my account since I was under the impression that the account was not open. In an effort to have the monies sent back to my account today, I was told that nothing could be done until they receive the address verification. Again I told them that I do not have access to a fax machine and that I could scan and email them the information that they needed. The supervisor in turn got on the line and said that they could not accept it by email and that I could go to a state farm office and have it sent to them. Again I asked how do he propose I get to another agents office when my vehicle does not have any breaks. I also informed them that they were stealing my money and I wanted it back immediately. Question : IF I DID NOT SEND YOU VERIFICATION FOR THE FIRST ACCOUNT, WHY WOULD YOU OPEN A SECOND ACCOUNT?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Adler Wallach & Associates, Inc.
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. To my knowledge I have never done business with this company and they have never provided me any goods and or services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Roycroft Management
State: CA

Complaint narrative:
A man from a company he calls Central Mediation Services contacted me regarding a debt that is over {$2000.00}. He asked me to set up payments of {$100.00} on a biweekly basis. I did, because I do have unpaid debt and I thought it was one of those accounts. He told me he could not give me information on the original account holder. However, he stated I would receive an email document with information regarding this debt. I never received it. I have complied with my payments. I called today, XX/XX/2017, to ask for a change of date on my payment due to a low paycheck I will be receiving this pay period. He became abusive because I sniffled on the phone when he said I had to make a larger payment than I could afford. He said I had to come up with the money somehow. I said fine, and he said he would add the remaining amount of my payment from one week from today only if I gave a payment I could n't afford this pay period. I said fine, I may just have to sell an item from my house or something to come up with the payment. At that point he said, " Do n't come up with this sob story about selling something from my house. I will not move your payment. You got yourself into this situation so now you have to deal with it. '' I said " I 'm sorry I did n't mean to come across that way. '' He raised his voice and started saying, " Where do you live, in Southern California? Is that how it is down there with you people. '' I said, " You do n't need to be rude. Fine, I will figure out how to give my payment this pay period. '' And he said, " I 'm not being rude you people get into this mess and you think you can cry and fix it. '' I said, " Fine I will be recording this conversation. Please send me documentation to verify this account so I know who you are and who I am sending my payment to. '' He said, " I will, to your email address, XXXX '' I said yes, " i would like to share that information with my attorney. '' he said, " do n't threaten me with an attorney and yes i will send your documentation. ' i have not received this documentation and I am concerned about the abusive language he used. I feel uncomfortable and do n't know who I am sending my payment to. He said " this is restitution to avoid a Court proceeding and you made an agreement. '' I am concerned that if I do n't send a payment they will send me to Court. But I do n't know if this is a valid debt and I am really worried about the language used in the phone call -- it does n't seem to be coming from a legitimate source. I can not afford an attorney. Can you please help me?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Plus Inc
State: NY

Complaint narrative:
There is a hard inquery on my credit report that I did not appl for

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
AHFC is reporting outdated information about my account which has always been delinquent since 2008 and now charged off account to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
Suntrust covered a debit card transaction when I had insufficient funds. They did this even though they knew I had insufficient funds at the time of the transaction and I opted out of overdraft protection. They are now charging {$35.00} for what was, in effect, a {$5.00} loan that I did not want, and thought I had opted out of.

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 monetary relief
Consumer complaint received 2015-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: SUNTRUST BANKS, INC.
State: GA

Complaint narrative:
SunTrust Mortgage has failed to close a loan for my mortgage. We have been misled throughout the entire process. Our situation has been escalated, however, we have had XXXX closing dates fall through and we have been told that documents have been sent to the closing attorney, when actually they have not. Emails and phone calls have not been replied to and the entire process has been detrimental to the consumer. I have lost time at my job fold conference calls, as well as, taking time off for XXXX closings that have never occurred. Our furniture is sitting out in the street and unable to be moved into the home, as SunTrust can not complete this loan. Underwriting blames new software upgrades, volume of business, etc. but we have been without a home going on XXXX weeks. This company should be reprimanded for its behavior towards consumers and I hope others can learn from this horrible experience.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: AZ

Complaint narrative:
I took out private loans through the lending institution American Education Services/National Collegiate Trust back in 2006, while I was an XXXX student at XXXX XXXX XXXX University in XXXX XXXX, CA. The initial amount of the loans was approximately {$57000.00} ( current remaining balance is approximately {$46000.00} ). The loans remained in a deferred status during the remaining part of my education as an XXXX student at XXXX and throughout my XXXX education at XXXX University in XXXX, PA. Upon graduating from XXXX school, the loans qualified for the 6 month grace period. Although I was employed within 6 months of graduation, I requested several consecutive deferment and forbearance periods due to the fact that my total salary was not sufficient to make minimum payments while supporting a family of XXXX. I have XXXX children, and at the time, I was married, and my spouse was unemployed. Upon finally entering repayment, my original minimum payments were approximately $ XXXX/month. After my spouse returned to full-time employment, this was a payment that our family could afford without being placed into a financial hardship type of situation. However, after 6 months, AES notified me that they were going to be ballooning my minimum monthly payment to over $ XXXX/month ( approximately $ XXXX/month ). I was very clear with AES that, if they took this action on my loans, this would certainly pose a financial hardship for my family, as we could not afford that amount for a minimum payment. AES persisted in taking this action anyhow, and my private loans subsequently entered default status. I continued to make the $ XXXX monthly payment even after my loans entered a default status to show that I was making a good faith effort to repay my loans. This action did nothing, however, to prevent or reverse the status of my loans going into default. I had not been in a financial position to repay the loans for quite some time post-graduation from school, and when I finally got to a point where I could repay my loans, AES only accepted 6 months worth of payments before ballooning my minimum payments. AES was not in any way concerned about impacting my credit and sending the loans into a default status. This has had an incredible impact on me and my family, personally, as now I am divorced and was allocated ALL of my student debt in the final divorce settlement ( this amount totals over {$200000.00} as it includes BOTH my private and federal student loans ), and financially, as the consequences to my credit means that I have a difficult time qualifying for purchases I may need to make in the future, such as purchasing a home or a vehicle. These loans are currently being managed by a collections agency, and the loans have been turned over several times to several different collections agencies since entering default.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: AES/PHEAA
State: NY

Complaint narrative:
My AES is currently in default I 've tried talking to them but nothing. Ive been going through money issues last couple of years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: CO

Complaint narrative:
I entered XXXX XXXX military service XXXX XXXX, 2013. I am under the Public Service Loan Forgiveness Program. Fed Loan Servicing is claiming I have only made 21/120 required payments within this program. This is incorrect. I have me 32 qualifying payments since being in XXXX XXXX XXXX. Fed Loan continues to ignore multiple emails and inquiries into this miscalculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
Mortgage company will not release escrow payment for repairs on my home. Check was made out to me and the bank, and the bank is refusing to release the funds for no good reason.

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