vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-26 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Threatened to take legal action
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
XXXX, XXXX XXXX XXXX XXXX, XXXX NY XXXXNumerous repeat calls to my place of business and cell phone. When I called to inquire about the letter received, I was offered a debt settlement amount but it was a XXXX time offer with a unrealistic date basically XXXX days or if not I would be held responsible for the full amount with further legal action. The original debt holder " Charged Off '' this account and I was told verbally by the original debt holder that the monthly payments I was making are volunteer on my behalf. Therefore I stopped making them a few months ago and now I 'm dealing again with another collector.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I wrote a {$100000.00} check against my HELOC, and the bank unilaterally split into XXXX XXXX {$90000.00} and a {$10000.00} XXXX and charged me XXXX for writing a check. Rather than a single transaction for {$50.00}, they charged me for XXXX transactions of {$50.00} each. I tried to complaint via online chat, and the person said that the loan department said that 's how they do it. I went into a branch to complain, and the person in the branch XXXX XXXX XXXX XXXX called the loan department, who told her that if anyone writes a check over {$90000.00}, they automatically split it into XXXX transactions in order to charge the transaction fee XXXX. 
I have paid off and closed the account ( including paying XXXX {$50.00} fees XXXX, but this behavior is sleazy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Information Bureau, Inc.
State: FL

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

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Bank changed my checking account. I opened my checking account with National City Bank when I was in XXXX school it was a free checking account. When PNC aquired National City I was informed nothing had change with how my account operated and if something were to changed I would have a say in what product to choose from as they offered different checking account options. I never got anything notifying me of a change to my checking account. I had {$15.00} to {$20.00} dollars in my account they took it all with charges based on changes they implemented. When I called in the 1st guy said sorry and that he would do his best to issue me the funds. He would open a ticket with a manager to contact me - the manager said my money would not be refunded as i did not comply with the account rules. Again they changed the rules. In addition, I learned that they do offer free checking for online banking but did not change my bank account to that option or asked me what option i would want to take due to their change in policy. I mean they should have provided me the option as their customer to decide what checking account would work best for me based on them changing their products. Instead they caused me headaches and money and have lost me as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc.
State: GA

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

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: NH

Complaint narrative:
I was looked up on XXXX by one of their agents ( XXXX XXXX ) and then I was called at my NEW PLACE of employment! He said I was his Academic Advisor and he needed to talk to me .... This is false.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-26 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NC

Complaint narrative:
I received a notice from a company stating they had purchased my account from a Bank. In accordance with the instructions in the original XXXX/XXXX/15 notice from the debt collector, I sent a written request on XXXX/XXXX/15 to the debt collector requesting validation of the debt. The debt collector has not responded to my request as of XXXX/XXXX/15. The debt collector continues to send me notices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: CAVALRY INVESTMENTS, LLC
State: WV

Complaint narrative:
Calling at all hours, leaving rude unprofessional messages. Have attempted to use the web to view the debt in question they say I owe but their website goes to a dead link with no assistance. I would like to see the debt first, and they are not allowing me to see that information on paper opting to just call with no verification of debt owed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Yes, I know I owe Tower Loan in XXXX XXXX XXXX I must say they are so very rude and very disrespectful over there, it hurt my feelings so bad that they treat people and talk to people any kind of way, I was trying my best to do what I could do to pay them the best way I knew how, I 'm not able to pay {$120.00} a month right now, I was able to do until my husband took sick with a condition of XXXX and XXXX XXXX and I was trying to explain to this guy over there whose name is XXXX, he said he did n't care to hear about my husband sickness, and to top it off, I 'm XXXX myself I 'm suffering from XXXX and depressing I do n't have time for all that rudeness toward me I would like for them to treat me the way I treat them and that 's with respect, I took {$50.00} dollars in their to show them I 'm trying my best to pay them I not trying to run from them they would n't take it so if your trying what more can I do besides get me a lawyer cause I ca n't be dealing with all this Disrespecting Me, they need to shut every Tower Loan down!!!!!!!

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 2015-06-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Citi Management Group, LLC
State: TX

Complaint narrative:
when this person contacted me at work XXXX times in a row, also going through the receptionist in our office. When I finally had a chance to answer them I ask that he not call me at work and to mail me any correspondence. He did n't even Identify that he was calling for me and told me that he was going to contact my human resources so that I would get fired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I have disputed this account with the company and they have verified the amount. furthermore they have posted that we have agreed on the account as being a debt, I have no knowledge of this creditor nor have gotten any contract stating I owe them. Either show something in writing that I owe on this account or please remove from my credits reports

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
Collector has contacted me at work when I have told them to call at home. Ask my employers receptionist where to send garnishment paperwork. Also faxed employer a form for my personal information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
I took out a personal loan in my name alone. Tower Loan called to verify the information while I was at work. Instead of simply leaving a message for me the representative divulged the amount and terms of the loan to my husband who I did n't give consent to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
On XXXX XXXX 2016 number XXXX called me back to back 6 times and when I answered they had me on mute and hung up. They have been harassing me all day. I called back and asked them to put me on the do not call and cease and desist all my numbers. The agent argued with me and told me to go get some education and they would not stop calling me. Now they are still calling me and hanging up back to back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This complaint is against XXXX located in XXXX, TX. I was living there for 2 years. XX/XX/XXXX-XX/XX/XXXX. Few weeks after I moved out I received a phone call regarding debt collection of {$110.00}. The collector was IQ data international. I disputed the amount and I did not want to pay them a penny. The did harm my credit score, so after few month I decided to pay the just so they can close and remove the debt collection from my credit report. The promise the will, which they never did even though I paid them in full. The debt on my credit report showing under XXXX and that 's who I should come after. I was not suppose to pay at all, but even after I paid that they keep harming my credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Check n go XXXX have zero tolerance for their customers on paying them monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services
State: DC

Complaint narrative:
My cell phone is registered on the do not call list. I received a call from someone who asked for a relative. I told him he was calling a cell phone and it was not the number of the relative. He told me my number was listed as an alternate contact number, which it is not. He asked if I could get in contact with the relative and I told him I have no communication with the relative and hung up. He did not identify himself or his company name. However, I looked up the phone number on the Internet to find out what the call may have been about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Chrysalis Holdings LLC
State: WA

Complaint narrative:
NewDay XXXX Financial was working on a refinance of my mortgage. At the time I was no longer employed due to a XXXX Related & VA Established XXXX and Workers Industrial Insurance " Work-Related '' Injury that required XXXX surgery. My workers compensation biweekly payment ranged around {$2100.00} ( or as an annual income {$54000.00} ). This compensation would have continued until XXXX of XXXX venues occurred either I recovered from the surgery and went back to work or the surgery failed I was placed on XXXX a little higher then this compensation. 
Instead I was told that, while they would accept an individual receiving social security XXXX and VA XXXX they would not accept workers compensation payments, even if over {$50000.00} as an annual income. They stated that there was no guarantee that this funding would continue. Now I have a problem here as there is no guarantee on any of the funding I draw ; XXXX retirement can be discontinued by the federal government at any time ; VA XXXX could be cancelled at any time ; and my possible employment in the construction field could start and stop within a month if the client cancelled the project. There are no guarantees on anything but industrial insurance has a better control then all then others. There are specific conditions that have to be met to stop payment. So why was over XXXX of my total annual income essentially tossed out ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Security Credit Services, LLC
State: MI

Complaint narrative:
There was an account opened under my name through a company called XXXX I asked for the opportunity to dispute this account some time ago and they said they would take it under advisement and within sixty days the account was sold to a debt collector. I sent the new owner of this account which is now Security Credit Services a letter asking them to verify the debt on XX/XX/2016 and they have yet to respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
I checked my credit report via credit karma and credit karma showed a new creditor had been added on my report on XXXX XXXX that i owe money from an opened account on XXXX XXXX for XXXX $ by law office of mitchell D bluhm and reimbursement technologies when no such debt was made. I have not done any business with anyone to have generated this account. It must be removed immediately for it is in error

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC
State: GA

Complaint narrative:
Hello Sir Compay call Security credit services call me in XXXX and told me i have {$1700.00} payment left which i never borrow and lease from any XXXX. I told them to send me written or email notice but they didt send me any thing and yesterday they put inquiry in my credit companies. So i like to take further step with you so you can help me for this.i have there info Company : - Security Credit Services Address : - XXXX XXXX XXXX. XXXX, XXXX XXXX XXXX XXXX ID : - XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 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: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
This is a complaint about a change in the XXXX date of delinquency from XXXX XXXX with XXXX credit Bureau. The original XXXX date of delinquency was and is XXXX XXXX as shown on the excerpt from my XXXX credit file I will attach dated XXXX/XXXX/XXXX but on the XXXX report dated XXXX/XXXX/XXXX the XXXX date of delinquency has been changed to XXXX XXXX. It is the same account number and same account balance. These date have been deliberately changed so that this item does not drop of my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: MD

Complaint narrative:
Caller ID says call is from " Unavailable '' and says call is coming from XXXX. Voice mail says recorded voice is calling from United Collection Bureau Inc. Does n't say who they are calling or what they are calling about. Asks that I call XXXX. I have no debts, I ignored the call. Call came at XXXX XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: United Collection Bureau, Inc.
State: OH

Complaint narrative:
Received three calls from XXXX at United Collection Bureau Incorporated stating that this was a call from a debt collector. She said to call XXXX. I finally returned the call. She asked for my middle initial and my address. Then she said I was not the correct person. I am concerned that this was a phishing scheme to get my personal information. I have no idea if this was a legitimate debt collection call. The strange thing is that XXXX answered the return call. I would assume that a large debt collection agency would have several people manning the phones. The chances of me getting her should have been low.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
We got a loan modification from XXXX XXXX in XXXX in which they made a bank error and did not credit us with a returned check which we made good and they capitalized our loan {$12000.00} in excess. When XXXX took over the loan, they did not give us credit for XXXX payments we made in XXXX totalling {$6200.00} From XXXX, XXXX to XXXX, XXXX, when we received a modification from XXXX, XXXX payments were not credited to our account totalling {$18000.00}. From XXXX, XXXX to XXXX, XXXX we have found that {$33000.00} was capitalized into our mortgage account for escrow charges for taxes and insurance. We paid the home owner 's policy from XXXX to XXXX, XXXX when XXXX put the insurance and taxes into an impound account. However during the time we were paying the home owner 's policy, XXXX charged our escrow account {$7400.00} for home owner 's insurance which we ourselves paid. We have a letter from the insurance company substantiating our claim. 
According to our records, {$9800.00} was capitalized to my mortgage account for taxes and insurance which represents an excessive charge to my mortgage account. Also according to our records, {$23000.00} was charged to my mortgage account for accrued interest and late charges from XXXX, XXXX to XXXX, XXXX. This represents an excessive charge to my mortgage account. We have submitted documents to XXXX and now SPS Loan Servicing who is the present loan servicer on the account verfiying all payments we have made on the account from XXXX to XXXX, thus confirming our claim that many bank errors were made on our account and that XXXX owes us approximately {$100000.00} on our account plus applicable interest from XXXX when XXXX bought the loan servicing rights on the loan to the time when XXXX gave us a loan modification in XXXX, 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 2016-01-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: C & M Associates Group, Inc.
State: KY

Complaint narrative:
I received a phone call from a debt collector claiming to be from a law office on an old credit card account that was from XX/XX/XXXX. The man that I spoke to was named XXXX at XXXX he attempted to call me several times while I was driving but the call kept dropping. When I was finally in an area that I could return a call to him, I did, and the following conversation transpired that left me feeling UN-eased and uncomfortable. He asked me if I was going to take care of the debt, and I replied no because there was a savings account attached to that credit card that would be used in the instance that I defaulted on the credit card. He told me no there was n't and I replied yes it was from XX/XX/XXXX, then, he told me that the account was opened by me XX/XX/XXXX. I then told him that I did n't go by the name he was stating over the phone since XX/XX/XXXX when one year later I went into the XXXX and the military legally changed my name to my maternal mother 's last name. So I told him good luck proving that I existed by that name XX/XX/XXXX, because I 've been going by my maternal mother last name since XX/XX/XXXX ; at which time he responds to me by saying I knew you were a transgender and bye. So what recourse do I have to pursue any matter in this situation with this certain individual that totally got it wrong and made a derogatory offensive remark to me?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
My bank sold my house, when they told me there was no sale date and they had postponed the last one. They did n't notify me of the sale prior to the sale as they have in the past. I only got a notice that it had been sold.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation