vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-18 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: HW Holding, Inc
State: TX

Complaint narrative:
a dept. was put on my credit report by XXXX XXXX apartments in XXXX TX and then given to a collection company for collection and they put it on my credit report, I paid it so it did n't hurt my credit have written them to ask for proof it was mine they said then did n't have to give it to me it would just stay on my credit I also wrote all collection companies they said I needed to contact collection company no one wants to prove what THE SAY AND XXXX XXXX APARTMENT SOLD SO A DEAD END THERE I am XXXX years my home is paid for I have never lived in XXXX tx or signed for anyone there. can you help me

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
The attached complaint was initially written to the XXXX County DA Office and the Florida AG Office. Instead of rewriting it to your office I attached a copy of the verified complaint. Some of the issues within the complaint has been submitted to your office in the past with no results. However, there are a few new issues and new evidence attached to this complaint. 
Please advise? 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
XXXX bankruptcies dismissed and XXXX, XXXX XXXX, XXXX ( Deposit-Related accounts ), & XXXX are being reported to Experian. Sent ID Theft Kit along with Social Security Card & Drivers License to Experian. Everything came back verified. Requested Method of validation and received nothing. Contacts all the above Companies requesting debt validation, request were sent back incomplete. XXXX, said another company originally was the creditor and since the merger they ca n't provide me with any info from the original creditor. XXXX never responded back to my request, XXXX refuses to speak with me and states I have to have the Credit Bureau contact them on my behalf, XXXX could only validate one year of the debt as there computer systems do n't go back to the original debt, and the bankruptcies, the court responded by saying Credit Bureaus NEVER contact the courts to verify ANYTHING. 
I need these items removed immediately. This sounds so illegal.

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 2015-08-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ocwen Financial Corporation
State: IL

Complaint narrative:
I have a conventional XXXX mortgage at 5 % 30 yr fixed at XXXX XXXX that is a non-XXXX/non-XXXX loan. I have a XXXX mtg. with Ocwen loans at 12.7 % with a 30 yr amortization. The total balance of both loans is {$210000.00} and the home is worth approx. {$160000.00}. I have had both of these loans since XX/XX/XXXX and have not been able to refinance. I want to keep my house. 
I contacted both lenders and neither can refinance. XXXX XXXX told me point blank there is nothing they can do with a refinance because I am still underwater, and the same was stated to me by Ocwen. A mortgage broker by the name of XXXX XXXX was on the phone with me when Ocwen told me there was nothing they could do. Ocwen called me back and suggested that I call XXXX to reduce their rate to make up for the 12.7 % Ocwen rate! Ocwen was very firm that " because I was on time, there is nothing we can do for you. '' On a previous call with XXXX, I was also told I was not on a list to be helped because I was making the payment on time. I have been paying on time since XX/XX/XXXX and there is no fix for me. Ocwen strongly implied that I can not get help unless I am late. However, if I go delinquent to get help, credit I have built over a lifetime will suffer as well as any chance for any help that might be available in the future. I am not alone with this problem. Why ca n't lenders refinance on time paying homeowners who stay put in an underwater home to lower rates? I am doing the right thing and making my payments and there is absolutely no refinance option for me simply because I am underwater and do n't have a XXXX or XXXX XXXX loan. I watched closely XX/XX/XXXX when President Obama brought up a refinance option for those of us with non-XXXX/non-XXXX loans. I am in the lost category and am treading to stay put. Is there any refinance option like HARP 2 for conventional mortgages?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25 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: Pinnacle Credit Services, LLC
State: NC

Complaint narrative:
In XX/XX/XXXX, I contacted via letter disputes XXXX XXXX and Pinnacle Credit Services in response XXXX derogatory marks on my credit reports ( XXXX, XXXX and XXXX ) from XXXX XXXX. The problem is I 've only had cellular service through XXXX since XX/XX/XXXX ( for the past XXXX years ) and I 've never had accounts or service through XXXX XXXX. I 've spent the last XXXX months attempting to dispute these debts because they do n't belong to me and I discovered today that the credit reporting companies can only report the information they get from debtors -- no matter if that information is inaccurate or fraudulent. Pinnacle has been reported to the XXXX due to their fraudulent activity, mainly purchasing debts then assigning them away to ANYONE. And because they pay the credit reporting companies money to report any information they provide without having to show proof of debt to the reporting agencies, they can and will attribute any debt to anyone. This is exactly what Pinnacle has done to me. Furthermore, after sending dispute letters to XXXX XXXX, the company has not reached out to me or the debt collection agencies to let them know the debts are fraudulent. I want this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: HW Holding, Inc
State: NC

Complaint narrative:
Hunter Warfield on behalf of XXXX XXXX XXXX XXXX made numerous attempts to collect a debt over the course of 4 months. I filed for chapter XXXX bankruptcy protection on XXXX/XXXX/XXXX and had my hearing scheduled for XXXX/XXXX/XXXX. My FINAL Decree was issued on XXXX/XXXX/XXXX. It is my understanding that the initial filing of the petition is meant to stop the debt collection process. Despite me filing on XXXX/XXXX/XXXX, Hunter Warfield still sent the attached collection letter dated XXXX/XXXX/XXXX trying to collect this debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
We received XXXX collection calls from CBHV, but we have no overdue debt. I told CBHV that I was not XXXX XXXX, the person they say they wanted ; I was assigned this # only a XXXX ago.They said they had already taken us off their calling list, but called again ( XXXX time ) an hour later.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: AMERICAN ADJUSTMENT BUREAU,INC.
State: CT

Complaint narrative:
Months after receiving service at a local ER, I paid the bills and moved on. I was then contacted by the business mentioned in this complaint, who stated that the hospital had never received the payments. 

I provided the collection agency with multiple copies of proof of the payments, including faxed copies of the check images from my bank, but they refused to close the case and instead attached a collection notice to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: IQOR US INC
State: OH

Complaint narrative:
My student loan has defaulted and gone to a collection agency : Allied Interstate. I received a statement from said collection agency on XXXX/XXXX/2016 stating that my balance was {$11000.00}. Three days later, I received a statement from the Federal Offset Unit stating that my tax return had been offset in the amount {$9800.00}, with the amount of {$9600.00} going to XXXX XXXX XXXX, the creditor, for payment on the balance of that loan. I just received a statement today, XXXX/XXXX/16, from Allied Interstate with a new balance of {$7900.00}. According to them, only {$3400.00} of my offset went towards the balance. I called Allied Interstate to ask where the rest of the money went, and a representative told me that there were possibly collection fees and interest, but he could n't tell me how much and he could n't provide me a written statement. He then gave me the number to contact the creditor for any further inquires. I then contacted XXXX XXXX XXXX and requested the balance. A representative told me that my balance was {$77.00}, and that amount was all that I was required to pay. They are sending me a statement with the payment and balance as proof. If I had not contacted them, Allied Interstate would have proceeded with garnishing my wages at XXXX % for a debt that they could not verify.

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 2015-10-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: STATE FARM BANK, FSB
State: WV

Complaint narrative:
State Farm Bank and XXXX XXXX office failed to verify the identity of an applicant which resulted in a loan being applied for, approved, funded, and reported to my credit bureau. State Farm Bank failed to abide by truth in lending regulations, fair credit reporting act, and the patriot act. State Farm Bank and XXXX XXXX office was NEGLIGENT in failing to follow and committed fraud when they allowed the present applicant to sign that all information was correct and had been verified.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Nations Recovery Center
State: GA

Complaint narrative:
My XXXX XXXX XXXX daughter has a credit card debt that went to collections. This debt collection agency contacted her. She gave them permission to work with me on this. They called me and I told them to email me a proposal, and almost immediately after they emailed it they began calling me again. I emailed them to stop the phone calls to my daughter, me or any of her friends or relatives and that we could continue to work together in writing. I also asked that they validate the debt. They pressed to have payment of over {$1200.00} by the end of the month, which at the time was 12 days. I told them that was not possible and I needed a more reasonable payment plan. He sent me back something that had payments totaling over {$2500.00} at {$210.00} a month, with XXXX payments in XXXX. I countered that he had XXXX payments in XXXX, and I offered to pay XXXX even payments of {$320.00}. He said that he only got approval for the settlement if I paid it by the end of the month. I told him that may be but it was his issue that he went to his client with a proposal that I never agreed to. I said I suggest you take this to your client.. He said he would. This was yesterday, XXXX XXXX. I have not heard anything back from him. Today, XXXX XXXX, I get a phone call from XXXX XXXX with their company saying she wanted to get a final on this. I said you are not supposed to call me, and I am very busy. She proceeded to talk over me while I was asking her to validate the debt for me, she told me she would not call me again, and since she was talking over me, I could n't understand what all she was saying, but she said something about I 'll tell you what I 'm gon na do, and then I did n't hear anymore because I was asking her to validate the debt. I want them to validate this so that I can make a reasonable offer. I will pay what my daughter charged and a reasonable amount of interest. I need to see the statement so I can offer a fair settlement. They are unwilling to do this.

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 2015-06-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: STATE FARM BANK, FSB
State: PA

Complaint narrative:
On XXXX/XXXX/2015 I was arrested and sent to XXXX XXXX XXXX, While I was XXXX a lot of Fraudulent activity on my account, State Farm Bank was aware of my incarceration and they did not monitor my account properly : On XXXX XXXX, Multiple XXXX XXXX Transactions in the amounts of {$1400.00}, XXXX XXXX, XXXX transactions in the amounts of {$310.00}, {$160.00} were issued on XXXX XXXX, On XXXX XXXX I was issued an Affidavit and it was sent to the XXXX XXXX XXXX which I filled out and sent back, and a block was still not put on my account and I asked them not to issue me another debit card until my release from XXXX XXXX XXXX. My funds were replaced in XXXX it happened yet again, I was released on XXXX XXXX after accessing my account online, I went into online chat and was told that I would have to file a Police Report and that State Farm Bank does not have the manpower to monitor each individual account, other than that there is nothing that State Farm Bank could do for me. When I called Customer Service they stated that they issued XXXX debit cards without my permission and a card with my pin number on it. Contacted State Farm yet again with regards to this matter because I received a letter XXXX XXXX stating that my account is overdrawn and there is a block on my account, No transactions into or out of my account and my New Debit Card can not be activated, I have children and bills in my household that need to be paid. Where was this block on my account, when I really needed it?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Michael Haynes & Associates, LLC
State: NY

Complaint narrative:
We had a small business during hurricane XXXX and took a loan from XXXX, after the disaster we lost the business, years later collection companies started calling about the balance of the loan and we told them the situation, the fema and Sba has helped us get back up and running but this new collection company keeps trying to collect on our loss, we made the mistake of giving our checking account but he never processed any payments because he tried to get more each time

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 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: Collection Bureau of the Hudson Valley, Inc.
State: NY

Complaint narrative:
For the winter of XXXX, I purchased my home heating oil from XXXX. 

I was on a monthly billing payment of {$290.00} I terminated my business with them in the spring of XXXX ; at that time I was credited back {$290.00} for an automatic payment that had already been made. 
Shortly thereafter, I received a bill from XXXX indicating that I had a balance of {$290.00}. I contacted XXXX and indicated that I did not believe that I owed them any money, and requested that they send me a detailed accout of my purchases and payments for the XXXX season ; this information was never received. 

Within approximately two ( 2 ) weeks, I recieved a demand for payment, in the amount of {$290.00}, plus an {$88.00} fee, from the collection bureau of the hudson valley. I again contacted XXXX in XXXX and again requested a detailed accounting ; again I did not receive anything. 

I then received, from the collection bureau of the hudson valley ( cbhv ), a demand for payment in the amount of {$680.00}! 

I spoke with XXXX at CBHV, indicated the discrepency between the alleged amount due from XXXX and the {$680.00}, and I again asked for a detailed accounting of my account. 

I received from XXXX a listing of payments, credits and oil deliveries for XXXX only ; I did not receive an accounting for the entire heating season. 

I contacted XXXX and indicated that what was sent to me from XXXX was incomplete. In addition, while still disputing the amount of {$290.00} that XXXX originally billed me, I asked him to explain why a final demand of payment from XXXX of {$290.00} was now {$680.00} ; XXXX could not explain this discrepency. 

I informed XXXX that I was again requesting a detailed accounting of my account with XXXX from XX/XX/XXXX through the end of my relationship with XXXX in the spring of XXXX. 

I further informed XXXX that if I did not receive such information within two ( 2 ) weeks, I would pursue my complaint. 

To summarize, I am disputing any amount due to XXXX, whether {$290.00} or {$680.00} until such time that I receive adequate documentation that I in fact owe any money. 

It is also my impression, which I shared with XXXX, that I believe CBHV knowlingly, and with malice, intentionally increased the alleged amount due from {$290.00} to {$680.00}

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NC

Complaint narrative:
My loan was sold from XXXX XXXX to SLS ( specialized ) loan services around the new year. I have been paying mortgage, escrow, PMI + extra money to principal every month automatically from my bank account for the last year without issues with XXXX. After my loan was sold I was told my automatic payment would carry over and there was nothing I needed to do. However I have received multiple bills from SLS stating I have n't paid my mortgage, PMI or escrow. When I called them they said it was paid ( I paid them directly when I got the bill ) and they had been trying to call me to verify my information. However when I asked when they had called me they cited two dates they had tried to call. I checked my phone and there were no missed calls from them. It turns out they never had my phone number at all which they admitted but still insisted they tried to call me. Since then my home owners insurance carrier contacted me and told me they never received the escrow payment from either XXXX or SLS. I spend two days trying to track down where the problems was but in the mean time my home owners insurance was cancelled so I had to pay {$3000.00} out of pocked to be covered in the mean time. I finally got SLS to admit they had the escrow but that it had been deemed " non-escrow '' in the transfer and they would have to have the matter figured out by " another department ''. I was given no definite timeline " there 's no way to know sir '' then finally got the supervisor to agree on 1 week. Well it 's been 2 weeks and I 've heard nothing and I am out {$3000.00} dollars while SLS figures out what they messed up. I am outraged and want to make an official complaint as I have spent a ridiculous amount of time for something that has nothing to do with anything I did wrong.

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 2016-05-16 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: CO

Complaint narrative:
For several years now I have been getting collection calls for XXXX XXXX. I have repeatedly told the collection firms that I am not XXXX XXXX and to stop calling. The calls stop for awhile and then start up again. I have had calls for XXXX XXXX as well. 

The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.

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 2015-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated shouldn't respond to lawsuit
Company: IQOR US INC
State: AR

Complaint narrative:
XXXX XXXX has claimed I owe them for a fictitious debt for YEARS. Allied interstate is just XXXX in a long line of debt collection companies that XXXX XXXX has hired to act as their agent to continue this pattern of harassment. I have contacted Allied Interstate in writing and disputed the debt, They have not provided any source documentation as requested within the thirty days I allowed them to respond. Allied Interstate has continued to attempt to contact me by phone continuing this harassment, despite the fact they are unable to provide me with proof of this debt.

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 2016-10-26 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: MA

Complaint narrative:
In XXXX 2016 I turned in a leased car for a new lease.Acura Financial Services XXXX XXXX XXXX, Pa XXXX billed me for twelve months Massachusetts excise tax on the old car, and I unwittingly paid though I am only liable for one month

Company response to consumer: Closed with monetary relief