vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I had my mother deposit a check in to my US bank account and pay a bill for me because I was out of town and it was time sensitive, well she got the XXXX checks switched by accident and I noticed it and called the bank two days later and explained to the girl and she understood and even said it happens I explained I was going to go and deposit the amount and she said not to worry. This was on XXXX XXXX 2016 on XXXX XXXX 2016 I went to check the balance on my account on the phone and it did n't recognize my pin number, so again I talked to customer service and the girl said that there could be a glitch and call the main branch but never did she say that there was an issue with my account. Now on XXXX XXXX I went to pay my electric bill and my card was declined well after contacting US Bank I was informed that my account was on hold for fraud because of the incident that happened. After talking with the fraud department I was told that it was put on hold to be cancelled I asked why was I never alerted because the bank sends me messages for everything else I was told that they do not notify people only by letter and Ill get that in ten days, well still no letter. Also I have a direct deposit that was suppose to post on XX/XX/XXXX that is sitting in limbo and was told they will deduct the negative amount on Tuesday XX/XX/XXXX and send me a cahiers check with the remaining balance that will take 7 to 10 business days if it takes the full amount that will fall on Monday XX/XX/XXXX which is a holiday and I will be without money till XX/XX/XXXX because that 's when I get paid again

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 2015-09-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nationwide Credit Corporation
State: FL

Complaint narrative:
Nationwide Credit Corporation is reporting, to XXXX and maybe other credit reporting agencies, individual visit dates of service from a doctor 's office as individual " accounts '' based on account numbers generated by them. I do not have anything from the doctor 's office identifying the account numbers they are reporting. I have the bill from the doctor 's office showing my single account # of XXXX with charges by dates. I have XXXX " accounts '' /entries being reported to XXXX by NCC for this XXXX individual account I had with the XXXX of XXXX XXXX . None of the XXXX entities, XXXX, NCC or the XXXX/XXXX will take ownership of consolidating the charges for the XXXX single individual " account '' I had with XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT

Complaint narrative:
I got a call from XXXX XXXX XXXX telling me to pay the amount of my apartment settelement. I moved from XXXX XXXX apartment on XXXX of XXXX and I got a bill to my new condo on XXXX of XXXX stating that I need to pay {$990.00} for cleaning and carpet replacement. I wanted to talk to them to negotiate the money as I was in the aprtment for 7 years 4 month. The Agnecy was insting me to pay over the phone which I declined and they told me they will report as a dispute and will impact my credit history

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Cavalry Portfolio " purchased '' a debt from XXXX, a debt that I did not owe. They have been claiming a {$570.00} balance for 5 years and have a false negative mark on my credit reports. XXXX will not list this as it is fraudulent, however, it still appears on XXXX and XXXX. I dispute and they keep claiming that nothing is wrong. They need to be off my credit report!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-03 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: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
A leasing company XXXX AT XXXX XXXX XXXX XXXX filed a claim against me at the end of my residence in 2015, I thought we had come to an agreement by the time I left. However, this previous account and charges that I do not owe, were sold to IQ data in XXXX XXXX XXXX now there 's nothing I can seem to do to prove to them I do n't owe this debt!

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
This company was reporting a debt on my credit report that was not familiar to me. After seeking legal council I was advised to exercise my right to request validation of the account pursuant to the Fair Debt Collection Practices
Act. In correspondence dated XX/XX/2015, the company received my demand for validation. This company simply ignored my request and did not bother to respond to me, concurrently they verified the account with the credit bureau following my dispute with the credit bureau.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 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: TX

Complaint narrative:
XXXX calls and sends debt collection letters for something that was removed from my credit history due to dispute. It is not my debt that they are harassing me about.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
I received my check back from Tower Loan that was not cashed they advised that I was not able to send any checks as payment to my account after i had a few problems with my online banking in which my bank was sending checks out before my paycheck was in my account. Anytime this happened the check was paid. I was then informed that they take debit cards. After the incident they never advised that I would not have access to my account online and canceled the option without notice. Therefore I was not able to pay by debit card nor credit card which created my account to be even later than usual because of this. I was never given any notice that they were doing this and not given notice.well I tried to pay my account by debit card or credit card and even tried calling over the phone even their employees were not aware that this was not an option and kept telling me to pay by debit card or credit card Because of this it has caused my account to be late and created financial hardship in driving to their business on XXXX XXXX, 2015 they refused to take a debit card payment but when i called them they advised that I can pay by debit card when arriving it was discovered that they would not accept my debit card and that I would have to pay cash or money order. Tower loan constantly calls me when payment is due and is ignoring the laws of collecting a bill by constantly calling after they have advised that the bill is due in one week I have received more than 15 calls from Tower loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I have two issues with Check N Go. First, I called initially to ask about the application process. I was told that they only do " soft pulls '' that do not effect your credit. I went ahead and applied for payday loans that have been successfully paid in full. I had an incident where my dog suffered trauma and needed emergency care. I applied for financing with the veterinarian for this and was denied due to a failing credit score. I was under the impression that previous efforts to raise my credit was working but came to find out that my score had suffered due to the multiple inquiries from the payday loans. I was not approved for financing for my dog and had to turn to Check N Go for funds for my dogs XXXX and care. I now am in a situation where they are requiring payments of {$660.00}. for 11 months for a total amount of {$7200.00} on a loan amount of {$2700.00}. with an APR 219 %. I feel that I was placed in this position due to the company falsely informing me of their application processes that effected my credit. I had no choice but to request funds and want to pay back the amount that I borrowed but feel that the excessive interest rate is above and beyond what is fair. It is taking a toll on my monthly finances and am finding it extremely stressful and feel that my mental and physical health is beginning to suffer just thinking about the repercussions of not paying back as they are requiring. I feel trapped and that I am falling behind already and I have many more months of this payment ahead of me. Please help. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I have a personal student loan that was discharged on XXXX. This loan was co-signed by my ex-husband. 
Since then the loan has been bought and sold by several other companies. 
I have now been served with a wage garnishment from XXXX , XXXX , XXXX XXXX XXXX , XXXX . and have tried to work out a payment arrangement although at this point I am not sure if I owe this debt and to whom I owe it to. I have made contact with this company and the representatives have been very rude, condemning and condescending.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 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: Credit Center, LLC
State: FL

Complaint narrative:
I arrange a payment be done with my Visa for a carpet cleaning debt with XXXX from 2008 They have not charged my card but dealing with an XXXX XXXX XXXX This company with band XXXX XXXX from XXXX keeps calling and harassing my mother, stepfather, my brother, my brother wife and discussing this debt

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-17 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:
Debt collector contacted me at work ( violation of FCRA ) after repeatedly verbally telling them not to. Debt collector also used profanity.

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 2015-07-22 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
Cavalry SPV I LLC has been illegally attempting to collect an alleged debt from me, including by sending letters and by filing a lawsuit in XXXX XXXX XXXX XXXX ( No. XXXX ), even though the debt is barred by the applicable Statute of Limitations. 

I have provided Cavalry 's attorney, XXXX XXXX XXXX, of XXXX XXXX XXXX XXXX law firm, with a copy of the original contract, showing that the alleged debt is governed by a choice of law provision that makes State of Nevada law applicable to the contract at issue. Nevada Statute of Limitations ( SOL ) is XXXX years on credit cards ; however, the debt was approximately XXXX years old when Cavalry attempted to collect the debt by filing the lawsuit. 

XXXX XXXX, and thus Cavalry, has not responded to my email sent to him on XXXX XXXX, XXXX, asking him to dismiss the case with prejudice. Nor has the case been dismissed to date. In the email, I advised him that I had sent him a copy of the original contract, under separate cover by mail. I also provided him with information about how to access a XXXX copy of the contract using the CFPB Credit Card Agreement database. 

Exhibit A - Original XXXX contract from my records, showing Nevada choice of law provision on page XXXX ( APPLICABLE LAW ). 

Exhibit B - Copy of XXXX version of same contract from CFPB database, which also contains same provision. 

Exhibit C - Letter from XXXX showing that last payment on account was apx. XXXX years prior to the filing of the lawsuit. 

Exhibit D - Printout showing ongoing lawsuit, Cavalry SPV I LLC v. XXXX XXXX XXXX ( No. XXXX ) Exhibit E - Email to XXXX XXXX XXXX to which has not been any response to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Refused to give me name and phone number of company along with address before I verified social security information. Requested no phone calls and to have written documentation of debt. Became aggressive when stated my right to know who they were and where located and how I could contact.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: AL

Complaint narrative:
Since I have not been able to pay the Loan this company pulls my credit Monthly from XXXX different entities which is producing XXXX Hard hits every month. Tower Loans and TWR Loans Systems. are the entities that are reflecting on my file. This goes far back as XXXX 2015. Please have them to remove these inquiries and tell them to stop Hard hitting my credit. It as already showing up as a Charge off. So why are they continuing to hit my credit every month. I am going to pursue monetary compensation for this. I m trying to clean my credit up so I can pay this debt off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CNG FINANCIAL CORPORATION
State: GA

Complaint narrative:
I have made my payments of {$670.00} on time or ahead of time, example on XXXX XXXX 2016 my payment due for XXXX XXXX was paid, Principal and Interest was paid. So I tried to be proactive so on XXXX XXXX I made my payment due for XXXX XXXX again Principal and Interest was paid. Now according to the receipt my next payment was due XXXX. This is where I have asked this Company to explain what happened with this payment. On XXXX I made my payment due XXXX ahead of time. When Sat down to review my payment tracking I noticed that my entire payment of {$670.00} was placed in Interest only and nothing to principal. I spoke with the manager and she gave me two versions as to what might have happened, one reason was a computer glitch and the other one was that they had paid to much to principal when the interest should have been more in the month of XXXX XXXX. 

No response from District Manager when I have left two phone call messages in mid XXXX and no response from the Home Office when I emailed a complaint late XXXX asking for some kind of explanation or understanding as to what happened here. My understanding is if my payments is a set amount of {$670.00} and I am paying ahead of time I do n't believe I should have any uncollected Interest or a whole payment going towards interest. I do n't know, that is why I asked them to give me an answer. Because it seems like If I 'm only paying interest ahead of principal I will never pay this loan off. Now on XXXX XXXX my payment due for XXXX XXXX was paid ahead of time and just like my other payment ( except XXXX ) principal and interest was paid. I do n't think I 'm asking for too much to know where my money is going. I have been waiting a month to hear from the home office and longer from the District manager. Never missed a payment, never late has the making of a responsible customer and this is has I get treated. To me when you avoid talking to me that 's a sign that something is not right. I have my receipts as evidence to help figure this out, like I said I 'm not a financial wizard, I may be wrong but I would feel better if I got a better explanation than the two that I got from the store manager. Thank you for your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
Dear CFPB, this company LEGAL RECOVERY LAW OFFICE, has seized all the money in our bank account total {$2100.00} plus fees total {$2200.00} on XXXX/XXXX/XXXX, leaving us with no money to pay our modified mortgage or utilities or groceries. 
The bank is holding the funds until XXXX/XXXX/XXXX before releasing it. Attached is bank notice to us. 

In XXXX XXXX when the real estate market crashed in XXXX XXXX California , my wife and I both lost our jobs. We use all our reserves to make our mortgage and credit cards payments but few months later we were broke. I was XXXX at the time and due to health issues I was not able to continue with that business. I had used my XXXX XXXX credit card during my XXXX for expenses but with the lost of my business, I was not able to make payments. My wife and I started with sales but that took us some time to get back on our feet. Our new jobs could not cover our credit cards payments and eventually, we were default on all credit cards and even mortgage payments. Now we are able to pay our modification mortgage and utility bills. We are just not able to make credit cards payments ; my wife and I are barely making enough to get by in this economy. 
After we became default with my credit cards in XXXX. XXXX XXXX sold the debt to LEGAL RECOVERY LAW OFFICES INC in XXXX of XXXX ; They filed a lawsuit and got a judgment on XXXX/XXXX/XXXX for XXXX. Since then they have aggressively taken money from our bank accounts various times leaving us without money to pay my modification mortgage or utility bills or groceries. They have continuously caused us tremendous XXXX. On the XXXX of XXXX XXXX, they have taken {$2200.00} from our account ( this is my mortgage payment ). Now we are devastated. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Certified Recovery Systems, Inc.
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: SC

Complaint narrative:
I have opened case XXXX with the XXXX in regard to Calvary Portfolio Services and their failings to comply with FDCPA guidelines. I raised a case with the XXXX after Calvary Portfolio services failed to answer my certified mailing for debt validation as prescribed under the FDCPA guidelines. I have sent written correspondence and also raised XXXX case, but this company is still reporting unverifiable inaccurate information. They initally stated that they did not get correspondence from me and only after providing my certified mail number did the state that they did send validation, which I never received. I would like to escalate this case and have legal action taken against this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ONLINE Information Services, Inc.
State: OH

Complaint narrative:
I have a a unverified account from Online In Services. I had previously disputed this account. I have never done business with Online In Services. Pursuant to the Fair Debt8 Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request thatOnline In Services Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Online In Services Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fortren Funding LLC
State: NJ

Complaint narrative:
I refinanced i year ago and the lender failed to pay a quarter tax bill and submitted my last payment late causing my taxes to be delinquent and ruined my credit. after saying that they would resolve the issue and did n't ... I am now losing my second home and my new vehicle.

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