vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-12 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: TN

Complaint narrative:
I received this letter from this collection agency informing me that I owe them a debt and upon further review I noticed that this debt was with another debt collection agency prior with whom I disputed the debt. It appears that they may have sold the debt and this company is now trying to collect

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Mel S. Harris and Associates, LLC
State: FL

Complaint narrative:
There was a judgement filed against us by XXXX, on an account we have not idea about. The credit card company XXXX no longer exsists for us to verify. We had to make many calls just to find out how to pay it off, we finally were referred to Mel Harris Associates. They have been very hard to deal with. When my husband reached them to make arragements to pay this off, he recieved a verbal agreement on terms to pay and in return have this taken off our credit report. They said they would send a letter agreeing. We did not recieve anything for weeks and then he got an email later followed by a letter, the problem is the dates we agreed to pay were incorrect and the agreement to remove the judgement was not stated. He emailed numberous times along with calls, but no response. He finally called and spoke to a supervisor and was toold we did not stick to agreement and needed to pay that day. We insisted on getting a letter first and still have not recieved one. This was XXXX XXXX and XXXX. We have money to pay, but still not recieving necessry response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: NC

Complaint narrative:
Recently I was involved in an auto accident ; a young driver attempted to cross a highway and caused an unavoidable collision. I was not at fault for this accident ; the other drive received a citation. My car was totaled, and along with the several cuts, bruises and shock, I also received a concussion. This concussion has made me quite foggy at times, slow to comprehend and process conversations, and has made it difficult to make decisions. I was out of work for a week and now have gone back with " light duty '' directions from my doctor. 
While trying to recover physically and emotionally from this accident I was forced to acquire another vehicle. After several days of online searches and in-person visits, I decided to purchase a 2013 Honda XXXX. I have always been a great fan and proponent of Honda cars, and I have almost always driven them. 
I was very glad to once again have a well-made, well-designed, reliable car and be able to put the auto shopping experience behind me. I could then re-focus my time and energy towards my XXXX recovery from the accident. 
Unfortunately, while in this concussion-recovery period, an extended warranty for {$2500.00} was erroneously purchased and included in my Honda financing. By the time I was introduced to the dealer 's finance staff that day, I was quite exhausted ; I had already been at the dealership for several hours. I certainly appreciated the 2.9 % APR but really was not making good decisions at that point. Within a few days I recognized the error and contacted the finance staff to rectify the situation and cancel the extended warranty. 
I was informed that the warranty could be cancelled but would not reduce my monthly payment or be taken off the balance due in the purchase agreement. The {$2500.00} XXXX would be subtracted at the end of my payment period. This would mean that my payments would end approximately ten months earlier at four years and two months, instead of the initial plan of five years of payments. 
I found this to be quite an irregular policy as I would then be paying interest and tax on an item I have no longer purchased ; an item I do not own! 
I do not want to pay tax and interest on an item that I do not own. 
If I return an item at the hardware store they would logically return the price of the item and the tax. If I did not purchase an item on a credit card, the credit card company would logically not charge me interest. 
Why am I being charged for an item I do not own? 
I am hoping that you may understand my perspective and logic, and be able to offer a solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: CA

Complaint narrative:
I have an excellent FICO credit score of XXXX and made an initial down payment of almost half the total value of the vehicle. Regardless of my good credit and down payment the creditors at XXXX Honda of XXXX still denied me the lowest APR available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: AZ

Complaint narrative:
Allied Interstate ( a debt collector ) is calling 10-15 times per day to collect on a debt I owe for XXXX XXXX. I admit I owe the debt and have offered to pay $ XXXX/mo which they refused. They are calling my cell phone, my husbands cell phone, my work phone, and my home phone. I have asked them to stop calling and sent a cease and desist letter, but the calls continue. The rare times I answer, I get no response. These calls are 7 days/week and non-stop. I can not receive these types of calls especially at work and they are putting my job in jeopardy In the last four days I have received 48 phone calls. Again offered to make the $ XXXX/mo payments and they refused stating that was n't good enough. Please make them stop calling

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 2016-04-03 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITY NATIONAL BANK
State: CA

Complaint narrative:
XXXX XXXX Bank closed my card and withheld the more than XXXX in points I had accrued. Those points have a value of {$1400.00} dollars in airfare or {$1100.00} in cash statements. I want the value of those points, considering that I earned them fairly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Venture Financial Services, Inc.
State: MO

Complaint narrative:
I received a letter stating i owe a debt of {$5.00} to local hospitial. The letter does not say when the debt was made and to my knowledge I do not have any debt at this hospital. This looks fraudulent and would like you to look into this claim. Thank you for your time ans help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Data Systems, Inc.
State: GA

Complaint narrative:
I have medical data systems on my credit report twice. I went to the emergency room at XXXX XXXX XXXX once in XXXX of 2011. They turned my account over to a collection agency ( Medical Data System ) and it has posted twice on my credit. There 's a collection for {$1100.00} & another for {$1100.00}, but it 's for XXXX trip to the emergency room. Can I get XXXX of these charges off of my credit report?

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 2015-08-12 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC
State: IN

Complaint narrative:
Over the last XXXX days I have received a minimum of XXXX calls from Allied Interstate. When I answer the calls I get hung up on. My longest " conversation '' has been XXXX which consisted of them telling me who they were and that the call can be monitored. I am unable to find out exactly what debt this is in regards to since they hang up.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: FIRST ADVANTAGE CORPORATION
State: MD

Complaint narrative:
when I received a copy of my background check there were addresses on there that I never lived at before and there were charges that I was never found guilty of on there which caused me to get turned down for a job. I believe it was because they only searched my first and last name only.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Medical Data Systems, Inc.
State: NY

Complaint narrative:
I have been recieving phone calls from this debt collector and i informed them i live on a fixed income, on social security XXXX, my only source of income and that i can not pay it. I informed them that proper documentation was sent to the hospital where i was seen. I was informed that i will be repeatetly called until i pay this debt, i told them its harrasement and i was laughed at and told too bad, i was also told the were going to take legal action.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: STATE FARM BANK, FSB
State: MO

Complaint narrative:
On XXXX XXXX, 2015 I ordered XXXX magazines most of which were renewals from XXXX. I have ordered from this company for many years and dealt with a woman named XXXX. When my credit card statement came, I noted that the amount of {$78.00} appeared and it was under the name of XXXX XXXX. The reason I did not question this name instead of XXXX is due to the fact that in XXXX of 2014, I had ordered with XXXX and when my credit card statement came, I immediately called to dispute the charge. When the payment was denied, XXXX from XXXX called me and wanted to know why I had stopped the payment. I told her that I did not recognize the name XXXX. She said that XXXX was now handling their billing for them. I called my credit card company back and explained what had happened and the payment went through and I received my magazines. This year when I did not receive my magazines after XXXX, I called XXXX and left a message. After repeated calls and then e-mails and no response from XXXX, I contacted my credit card company and was told that they could not do anything to help me because it was beyond the 60 day limit that XXXX puts on them. I filed a complaint with the XXXX XXXX XXXX Florida # XXXX and after a month, was told that they had not had a response and that I needed to contact the Attorney General 's office in Florida. They informed me that XXXX had their business license revoked on XXXX XXXX, 2015 since they did not complete the proper paperwork. They told me that the is XXXX XXXX, XXXX XXXX, XXXX, Florida XXXX I have filed a complaint with the Attorney General 's office. They also told me that you can help me get a credit of this money from my credit card company. I think that if my credit card company is correct about XXXX 's 60 day limit, then this type of purchase with renewal of magazine subscriptions would not be an adequate amount of time to allow the consumer to realize whether there was something not appropriate in the purchase. I hope that you can help me with this refund.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Adler Wallach & Associates, Inc.
State: SD

Complaint narrative:
Never received any notices or certified letters saying I owed this debt and found out it was on my credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 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:
I rented a storage and paid in full for the service. they sent me to collections when this was paid at time of service

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP
State: FL

Complaint narrative:
Honda Finance Services has an Easy Pay service which automatically withdraws a monthly payment. They withdrew this monthly payment twice. This is apparently a routine problem with them, and is affecting XXXX people today. There is no way to contact them to report a problem or resolve it, other than a toll free number that is not working today, and at the best of times does not allow direct contact with a customer representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I 've been for more than one year now in loss mitigation process initially through Doral Bank ( XX/XX/XXXX ) and after Doral Bank takeover, now with Banco Popular de PR, with no results nor alternatives for my situation. The original Loan was made through Doral Bank ( Loan # XXXX ) in XX/XX/XXXX and currently handled by Banco Popular de Puerto Rico ( Loan # XXXX ) since Doral Bank 's takeover. Therefore Banco Popular is presently Servicing Mortgage Loan # XXXX, as servicer for XXXX XXXX Bank, NA. At the same time I was in the Loss Mitigation Process I was sued and summoned for foreclosure by Banco Popular de PR. As Banco Popular explained to Mediation Court, they work both processes simultaneously. Also Banco Popular informed at the Court, that they can not provide any alternatives for my case because XXXX XXXX does n't provide any alternatives for Loan modifications or Deed in Lieu for XXXX XXXX area. Therefore I wrote a letter to XXXX XXXX directly because I want to confirm that XXXX XXXX does n't offer any Loan modification alternatives for XXXX XXXX as it does in the XXXX. I contacted by email XXXX XXXX XXXX XXXX, ( XXXXXXXXXXXX ) about my case and proposed XXXX alternatives but as of today I do n't have any answers. I decided to contact XXXX XXXX directly because the servicer, Banco Popular, has been erratic and uncoordinated and never presented formally options and/or alternatives. As of today I 've never received any written decisions on my case although I 've been constantly supplying and updating requested forms and documents. Now that I 've been in court for the last four months, Banco Popular informs the mediation court that XXXX XXXX do n't offer Loan modification alternatives. I 've been trying to sell or rent the property for the last XXXX years through Realtors with no success. Loss mitigation has appraised my property in XXXX different occasions ( every six months ) but I 've never received any information about the property value. Realtor 's inform me that comparable sales in my area are very far under my outstanding balance, due to the high increased in real estate owned properties in my neighborhood. I proposed a Deed in Lieu or a Loan modification increasing my term to 30 years ( presently I owe 14 years ) reducing my monthly interest at 6.5 % and forbearance in balance in arrears, but unfortunately Banco Popular informs the court they can not help me because of XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC.
State: CT

Complaint narrative:
Halsted collection with multiple phone numbers ( XXXX ) continues to call me about an alleged debt that occurred XX/XX/XXXX. Of this alleged debt the statue of limitations for the state of Connecticut has been surpassed. XXXX XXXX was the gentleman I spoke with today XX/XX/XXXX. After being informed of the statue of limitations XXXX XXXX claimed that he will continue the phone calls regardless of who I call and reported his company to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: WAKEFIELD & ASSOCIATES, INC.
State: CO

Complaint narrative:
This debt was paid by medicaid from XXXX hospital and XXXX, i dont have any balance due with them, and also they said that this debt is from XX/XX/1991 in that year i was in the university in XXXX and i never live during that years in usa. I dont have any medical bill from XXXX because i was cover as a XXXX back on XX/XX/1991 in XXXX. I call the collection agency and they dont want to give me information about the debt.They told me that was from XXXX hospital and XXXX i call the hospitals they told me i dont have any bill past due and they dont sent nothing to this company.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: OR

Complaint narrative:
My mortgage loan was transferred to Specialized Loan Servicing in XXXX, 2015. I had an auto payment set up with the previous company that SLS took over. I wanted to switch checking accounts for payment and initially contacted SLS in XX/XX/XXXX. The customer service rep told me it was done. I should confirm that no payment was made in XX/XX/XXXX and if it was, I should call again. 

Well, payment was withdrawn from my old checking account in XX/XX/XXXX. I called SLS and repeated the process. Even though the SLS service rep confirmed the change was made and I received a confirmation letter stating the change was made, funds continue to be withdrawn from my old account. This has happened every month for the last XXXX months. I have written XXXX letters to complain on XXXX/XXXX/15, XXXX/XXXX/15 and XXXX/XXXX/15. 

A response letter dated XXXX/XXXX/15 requested my bank statements showing payments drafted to SLS and stated " we have found no errors ''. I attached a copy of the cancelled check with the XXXX/XXXX/15 letter. I did not wish to provide my entire bank statement since I do not trust this company with my personal finance information. 

For XX/XX/XXXX and XX/XX/XXXX, SLS received double payments, one from my old bank and another from an electronic payment from my new bank. The extra payments sit in suspense and did not go towards paying down my principal. Even though I asked for a refund of the extra payment on XXXX/XXXX/15 when it first happened, no refund has been issued. SLS should have all the information they need to cancel my ACH as requested and not continue to withdraw funds against my explicit non-consent. This constitutes fraud. They are holding my funds for no services.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
After my loan was transfer to my new lender. I did applied for a modification to obtain an affordable interest rate, consequently a better payment. After a long journey of sending documents and contacting the bank. My lender approve a modification with a successfully 3 trial payments. I received the final modification with no change of interest rate and a higher payment. much higher than before the modification, plus the term of loan has been extended for more years and increase of payment. Now the lender said is the best I can do take or face foreclosure.

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 2016-07-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SANTANDER BANCORP

Complaint narrative:
We complied with a chapter XXXX. Once we received our release the bank states we are behind a month on our mortgage payment. I stated to the bank this can not be and followed proof. Till this day the bank is still not honoring my request to update and make us current on our mortgage payment. I filled a formal complaint with the state commissioners office for financial institution only a month ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC
State: TN

Complaint narrative:
I received a notice from XXXX on XX/XX/2017 stating that my loan was being transferred to a new servicer as of XX/XX/2017 and that they would no longer accept any payments after XX/XX/2017. XXXX did provide the new loan servicer name and contact telephone number and ask that I contact Specialized Loan Servicing LLC for c further assistance, I contacted Specialized Loan Servicing LLC I was told that my information had not uploaded into their system and was asked to call back the following Friday and that I would receive a welcome letter within XXXX days after the XX/XX/2017.I called again on XX/XX/2017 was told information has not yet fully uploaded into their system I was told not to worry because no late charges or negative reporting would be reported to the credit bureau during this phase my house payment is due on the first of every month I told this to the representative that I spoke with. I was in the midst of refinancing with another lender prior to my mortgage being transferred and had received a payoff from XXXX XXXX, now the company that I am refinancing are asking for a new payoff from Specialized Loan Servicing LLC who are telling me that they can not pass that information to the mortgage company that I am refinancing with because they do not have the information in their system yet, which is keeping from closing on my loan.

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