vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
At the end of a XXXX year lease with Honda I owed approx {$410.00} which included the final monthly payment of {$280.00} with the remainder representing mileage charges. In attempts to collect the money owed Honda sent me several demand letters. In one such demand Honda offered that it would reduce the balance owed by approx 25 % XXXX approx {$300.00} XXXX and that if I paid the reduced amount by a date certain the remaining balance of approx {$100.00} would be reported to the credit reporting agencies as payment that was 30 days late. As the letter indicated I accepted the offer by making out a check to Honda in the amount specified.I mailed Honda the check. Honda accepted and deposited the check. Since accepting the offer and having made the payment to Honda, and Honda having accepted the payment, Honda now continues to demand payment of the remaining balance and has sent me letters stating that my account is past due. On XX/XX/XXXX, 2018 a Honda representative called me and demanded the remaining balance and advised me that if I did not make the payment Honda would report to the credit reporting agencies that my lease agreement was in default. The representative went on to threaten me and said if I did not make the payment my credit would be severely affected. I believe Honda 's collection tactics have been discriminatory on the basis of my sex and race. I am a XXXX. This is a definite bait and switch tactic used by Honda to induce me to enter into an agreement that Honda no longer wishes to honor. Honda has misrepresented its intentions and the offer it made to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Affiliated Acceptance Corporation
State: TX

Complaint narrative:
I had signed up for a fitness training membership with XXXX XXXX XXXX ( financed through Affiliated Acceptance Corporation ) inside the XXXX in XXXX, TX. At this time, I was told that this is a 12 month agreement with XXXX sessions a week and each session {$29.00}. I was told I would have measurements taken every month, that I would have a log in account to have access to my information, and that I would be given work outs to complete on days I was not with my trainer. I agreed to this and was connected with a trainer named XXXX. I texted XXXX and set up my first appointment. I showed up for the appointment to meet my trainer, but was told he was not there that day. I received no text or notification from him that day or for the weeks following saying why he could n't make it or that he wanted to reschedule. I even texted and called him multiple times to figure everything out. I finally received a text from him 2 months later, after I had gotten a new trainer, asking if I wanted to work out with him. This is horrible customer service, and I should have cancelled my membership at that point. 
Instead, I requested a new trainer. I thoroughly enjoyed my membership with my trainer. However the agreement I was promised, was not satisfied. I was never given work outs to do on days I was not with my trainer, monthly measurements were not taken, and I was never given a log in to view my account information. 
A few months later I was notified that my account was past due 3 months of membership fees. I had never received any type of notification either via email or mail. At that time, I had thought the fees were being taken out each month and I did n't have enough money to catch up and bring the account up-to-date. I requested my account to be paused while I saved up the money, but was told they could only hold the account for medical reasons. As I began saving money and receiving my IRS refund, I had attempted to contact them to update my account. I submitted a contact request on their website and attempted to email them. Each time I try to email them to the email ( XXXXXXXXXXXX ) on their website, I get a " Delivery has failed to this recipient or group : XXXXXXXXXXXX ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 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: ERC
State: OK

Complaint narrative:
I received a letter from the " Enhanced Recovery Company '', claiming that I owe XXXX XXXX XXXX {$110.00} this past XXXX. I was unsure of the legitimacy of the company which is the reason I have avoided direct contact with them. However, I recently viewed that this debt is affecting my credit as an open collections I owe. 

I have paid off all of my remaining balance with XXXX XXXX XXXX for internet charges back in Florida. I have also made a new account with XXXX XXXX XXXX for TV and internet since last XXXX and have made all my payments on time. They have never XXXX informed me of an old existing account that I still owed money for. Nor have they ever denied me as a customer for still owing a debt. I honestly believe XXXX XXXX XXXX would have easily found this debt of mine, if it was legitimate, as my full name would be on XXXX accounts. This is the reason I am claiming this debt to be completely false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-23 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: ERC
State: PA

Complaint narrative:
After cancelling XXXX I was informed that I would receive a kit to send back equipment but that was never received. Equipment was left with landlord and I no longer have XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-02 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Healthcare Collections-I, LLC
State: AZ

Complaint narrative:
After disputing a medical collection with the credit bureaus I requested VALIDATION of the alleged debt. The collection agency sent me what they call verification which is a computerized generic bill. I looked up the address of the hospital and I do not ever recall going there for anything. I would like validation not verification as anyone can draw up a bill and say I owe it. This debt is not mine.

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 2015-05-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ERC
State: MO

Complaint narrative:
The debt collector ( ERC Enhance Recovery Company LLC based in XXXX ) using XXXX phone numbers XXXX has been calling my home phone on daily basis. 

My home number is registered with both XXXX no-call and National no-call list. The caller does n't leave any voice message regarding why " it '' has been calling? I called back to inform them that our phone is on the no-call list please stopping calling otherwise they will be reported. They were also informed that if they have any legitimate debt, please send the debt in a registered mail subject to further discussion and dispute resolution. So far, the scammers keeps calling my home phone without further stating its purpose. I would like them to be put on the Stand! 

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 2015-11-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FastBucks
State: ID

Complaint narrative:
I have been laid off and unemployed for a little over 2 weeks now and was unable to make my {$72.00} payment with Fast Bucks, located on XXXX XXXX in XXXX Idaho, with whom I have an installment loan with. As of today, My loan is three calendar days late. I called Fast bucks at XXXX this morning, XXXX. XXXX, to let them know my situation with my employment, unemployment insurance, and that i will be in sometime this week to make a payment. That is when I was informed that my account " has '' to be put into bad debt. The store also told me my account will still accumulate interest while in bad debt and that they will still accept payments from me. 

Now is this very confusing to me because i thought " bad debt '' only occur after all attempts are made to collect on the debt. And if they are saying that my account is going into " bad debt '', which means the debt to them is not collectible, then why are they still threatening to racking up interest on my account? When i asked the store if it is normal and recognized in state law to continue applying interest in this situation that they informed me about, they said " yes ''. The store also explicitly told me that the CFPB knew about it and approves it. 

When I called the CFPB, i was informed that they could n't find anything in relation to the store practices when it came to interest and bad debt practices. I also was informed by the CFPB that they could n't give me any legal advice with my matter - understandable. They did tell me I could write a complaint on the matter. 

Still wanting answers i tried to call back the Fast Bucks store and got no answer, but the call did get forwarded to the Fast Bucks corporate office. I told corporate about my situation and asked about the " bad debt '' and what steps are taken before a account in put into bad debt. Corporate was VERY vague and told me multiple times " its all depends on the customer ''. " everyone situation is different ''. This too i thought was very strange that the representative could n't give me any details on how long a debt that is unpaid goes before being put into bad debt. The representative exclusively told me that there were no such time frames implemented within the company. When asked to speak to a manager, he told me " he will tell you the same thing ''. I terminated the call after that. 

I feel Fast Bucks as a whole is treating my unfairly. I feel that they are threatening me with false information about putting my account in bad debt. I feel Fast Bucks purposely with holding information on the debt collecting process including : grace periods, time frames and legal steps when collect debts and putting accounts into " bad debt ''. I feel its fraudulent to put someone account into " bad debt '', to write off as a business expense, and still collect interest and payments from the persons whom holds the debt. 


Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: TX

Complaint narrative:
XXXX HAS FAILED TO ASSIST ME IN HELPING ME FROM DEFAULTING MY PRIVATE STUDENT LOAN. I HAVE TRIED NUMEROUS ATTEMPTS TO REACH OUT TO HELP BUT THEY KEEP INFORMING ME THAT I HAVE NO OTHER OPTIONS. I HAVE BEEN EXPERIENCING DEEP FINANCIAL HARDSHIP AND HAVE BEEN UNABLE TO AFFORD THE PAYMENT ON THE PRIVATE STUDENT LOAN. THERE HAS TO BE SOMETHING THAT THE FEDERAL GOVERNMENT CAN DO TO STEP IN AND HELP ME WITH THIS HORRENDOUS PRIVATE STUDENT LOAN THAT IS RUINING MY FAMILIES LIFE FINANCIALLY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
I have a student loan owned by Citizens One and due to my worsening XXXX XXXX I have been unable to work for some time, I am receiving Social Security XXXX, have been approved for a Federal XXXX discharge, and approved by XXXX for a full discharge of the student loans that they held. I asked Citizens for a compassionate review of my private loan ( about {$43000.00} ) 2 months ago and they have n't responded.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 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: ERC
State: CT

Complaint narrative:
Enhanced Recovery Company has not verified a debt they clam I owe, and they are not licensed in the state of CT to pursue any debt collection.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WEICHERT FINANCIAL SERVICES
State: NJ

Complaint narrative:
My husband and I bought a home in XXXX, XXXX through Weichert Financial Services. In XXXX, they sold the loan to XXXX. I received a letter and coupon book clearly stating our first payment was due on XXXX XXXX, XXXX. I made the loan payment through XXXX phone system on XXXX/XXXX/XXXX and it cleared my bank on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX, I received a call from Weichert 's collection department for my XXXX payment. I explained the situation and the representative asked for proof. On XXXX/XXXX/XXXX, I then called XXXX & was told they could n't call Weichert, as Weichert would have to reach out to XXXX. I explained I had nothing to do with the selling of the loan, & XXXX & Weichert needed to communicate with each other. XXXX agreed, but since I was talking to a " call center ", Weichert would have to call them. Ten minutes later, I called Weichert & talked to three different people before I was transferred to the right department. I told the representative she could call XXXX & get reimbursed. I was told I had to provide proof of payment & my bank statement & confirmation number of the payment from XXXX was NOT enough. She said I needed to get something else from my bank. I hung up on her because of my frustration & her attitude. I have been a XXXX for 17 years, I have NEVER said to anyone a copy of a bank statement was n't ENOUGH proof of payment. 
My husband went to our bank & was able to get a signed letter from the Sales And Service Manager stating the mortgage payment was taken out of our account on XXXX/XXXX/XXXX. I then faxed a letter explaining all of this, along with the copy of the letter from XXXX & the coupon book showing the first payment was due on XXXX/XXXX/XXXX, my bank statement & the letter from my bank. Yesterday, I get a statement from Weichert, not only for XXXX, but they want XXXX mortgage payment too! If they sold the loan, WHY would they think they are entitled to XXXX payment!?!? I am extremely angry, & warned Weichert, if this was n't straightened out, or if this effected my credit, I would file a complaint with the CFPB.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: Big Picture Loans, LLC
State: FL

Complaint narrative:
You issued a loan in my name that I did not apply for. I want to know who provided my information to your company because this is illegal. I will be prosecuting to the furthest degree. I can not believe this is something that your company agrees with and is willing to steal from people. People who are already in financial hardships and you still allow your company to steal from them. I am extremely disappointed that this is the way the human people take care of each other. Never mind we have to look out for what the government does and the world in general. Now we have to worry about companies like yours taking money from us as well. People who work hard for there money and to keep there information protected. And you release as if it is nothing. I hope you sleep well at night.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Forster & Garbus LLP
State: NY

Complaint narrative:
I used to carried a XXXX credit card from XXXX which I used to purchased couple of watches and some wearing in the XXXX. When I bought my first home XXXX, I charged a freezer, TV, vacuum cleaner and few air conditioners which added my bills up to {$2200.00}. I have been paying this credit card monthly bills since I first charged it up to XXXX without any additional charges. When I lose my house in fore-closure XXXX XXXX and moved into my daughter 's home the same year and could n't afford payments of my personal bills due to six months suspension from work and limited income, XXXX sent my bill to collection agencies that started to harassed me for payment. By XXXX they added new interest and took my below {$1.00}, XXXX bill up to XXXX. This action forced me to make a monthly payment plan for about {$40.00} which I paid up to the end of XXXX at which time they urged me to increase my monthly payment in XXXX or face more charges because my current payment was small. It was at this point I informed the NYS Attorney General 's office about this bill. NYS Attorney General 's office told me, ( if you have been paying this credit card bill since XXXX to current, we believe you have enough on this credit card bills, if the collectors continues to harassed you, gathered their information and forward it to us. ) When I told the collection agency to forward to me the necessary information, they calling me. To my surprise, especially when I have retired effective XXXX/XXXX/XXXX, this new collection agency, ( Forster & Garbus LLP, a XXXX Law Firm, XXXX XXXX XXXX, XXXX, NY XXXX, XXXX. XXXX XXXX XXXX, ) has garnished my retirement checks and received payments of {$300.00} up to current until I pay to them {$3.00}, XXXX. XXXX, thru a court writ that I did n't received or served a copy. My request is that, I believed they have wrongfully garnished my retirement checks, has billed me more than what I ever owed to XXXX, must stop all future garnishment, and they must pay me back every cents received. Thanks. I look forward to hearing from you soon.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: TX

Complaint narrative:
I have requested multiple time that my mortgage servicer create an escrow account for me. I have provided all of the information they need both by email and by fax. Every time I call, I have to hold for a minimum of XXXX minutes and more typically XXXX minutes before I ever speak to a human. Then, when a human does finally answer, I often get mysteriously disconnected despite calling from a landline that I NEVER have issues with otherwise.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC
State: IL

Complaint narrative:
I have provided every document to Round Point Mortgage and every time I call in they say they have everything, then I get a letter stating they need something else that I already have sent in. Now I keep on getting told it is in review. We are 60 days out and a BPO has not even been done as of yet.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: National Credit Services, Inc.
State: NC

Complaint narrative:
I contacted this company after I was given their name to help pay back my student loan. They gave me a monthly amount of XXXX+ to pay back but I offered XXXX a month. They told me that when the loan was paid, they would report to the credit agency and it would not show as a loan collected through a debt collector. I was also told that this would prevent my tax refund being taken as well. Well my tax refund was kept and they said they did not know why that happened, maybe my name was on a list for them to be held. I said my taxes were n't held the year before so it was something they must have done such as putting my name on a list to hold my tax refund. Even though it went towards my account, I was told that because the loan would be paid off early now, I was not entitled to the benefits of having this be reported to credit agencies as paid off without debt collection. They misrepresented what they were going to do and how they were going to help 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 2016-12-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: SCA Collections, Inc.
State: ND

Complaint narrative:
I have made this company aware that I am a Victim of identity theft. This Company has ignored a police report with Verification that I am the victim of identity theft. This company is reporting fraudulent information on my credit report. I have told them that during the time in question I reside in North Dakota and sent proof. I have also told them that I am and have always been on XXXX. Additionally any bills that I accumulated while on XXXX they would 've paid. It 's also AGAINST THE LAW TO BILL SOMEONE WHO 'S INSURED WITH XXXX FOR ANY OUT OF POCKET MEDICAL EXPENSES. IVE HAD XXXX SINCE 1980 UNTIL NOW.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: TRUSTMARK CORPORATION
State: AL

Complaint narrative:
I have a mortgage loan with Trustmark Bank. For over 3 months now the " Load History '' page on their mortgage website has not worked so I can not see my payment history. I have called twice and been told that it 's being worked on, but 3 months is a LONG time to wait for a crucial website to be fixed.

Company response to consumer: Closed with explanation