vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-02 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA

Complaint narrative:
To Whom it May Concern : I have a credit card with Citizens Bank and after pulling my annual credit report, I found they have closed my account back in XXXX. On XXXX XXXX, XXXX, I lost my full time job, so I made payment arrangements with all my credit card companies, including Citizens Bank, asked for payments of lower than {$50.00} a month and they agreed. I was able to pay the other credit cards I owned as well as Citizens Bank with a part time job I had obtained. I followed up with a phone call on XXXX XXXX, XXXX regarding my now closed account and a woman stated she would send a letter within XXXX10 business days. She also stated with they closed account back in XXXX XXXX and I would have to re-apply once the balance was paid in full. I have been paying my bill as long as I can remember and more than what is asked to pay on each statement. To date, XXXX XXXX, XXXX, I have yet to any letter as to why my account was closed. My address is current, there is no electronic delivery as she verified my address ( can not find anything on their website regarding electronic notices ) and there are no PDF files saved anywhere on their website. What I want is a letter stating why they closed my account, that it is off my credit as a negative or for any other reason that would be used again me for further purchases, etc and to report them for illegally closing my account under the " Responsible Lending Act '' and " Credit Card Act '' and have not notified me in writing within 5 days of the action being taken. I do n't understand why they would close an account when making current payment arrangements after the loss of a job. I feel they discriminated against me in fear of non payment when in fact I was making payments. On all of my statements they have noted all sorts of different numbers for the amount due and the amount I was originally supposed to pay. They always stated it was late or a past due amount when there was always a payment every month of more than what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 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:
I moved out of apartments and paid my last month rent and move out fees. They accidentally applied my payment else where which in turn sent my balance to a collection agency. This happened in XXXX of 2014 and I still can not get it cleared despite them stating they made the error and have said it was fixed twice.

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 non-monetary relief
Consumer complaint received 2015-06-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: CNP Solutions
State: GA

Complaint narrative:
XXXX XXXX with CNP Solutions pretended to be an attorney and threatened to have our daughter arrested over a debit to XXXX from 2009. The amount he tried to collect is also XXXX the amount she owed.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: DE

Complaint narrative:
I have had an account with the company and recently just missed a payment. They have called me on my cell phone while I was at work every hour and a half since the day first began. There has to be a limit to the amount of times they can call you in one day especially on a account that is n't even 30 days past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I received a letter from the company and the validation tells me nothing. Who does this doctor work for? Where was this test taken? This doctor is not one I have ever seen or heard of, if he was contracted to review a test then who did the test and where? I will not pay for something I know nothing about and this letter provided no answers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Collection company called saying I had a payday loan from several years back, this might be true I went through a rough patch years ago, they had my full name, address, social security number and what bank I dealt with. They threatened criminal actions against me but when I disputed some of their claims they refused to give me the name of the company calling me. The number is XXXX

Company response to consumer: Closed
Consumer complaint received 2016-11-30 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:
calls my job ( XXXX ) when I am unable or unwilling to answer my cellphone. unacceptable

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 2016-12-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I moved out an apartment complex the XXXX apartments in XXXX Texas. Gave XXXX 60 day notices and left on my move out date which was XXXX/XXXX/2013. They apartment lost my first notice so so gave them another which was sign by their leading agent.Now the apartments lied and said I moved out on XXXX XXXX which was n't true and that stated that a 60 day notice was n't giving and I did, so now I have over XXXX that 's for collection and that 's not correct. I have a company of my lease and my 60 day notice. I even spoke with collection persons about the issue which he claimed he would send me papers to my current address, he never did and I was put up for collection and the consumer disbute it.

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 non-monetary relief
Consumer complaint received 2015-06-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LENDER LIVE
State: RI

Complaint narrative:
LendeLlive is a non bank mortgage service loan collector apparently. And.. since sending them documents and paymentunder the guise of another bank, they still are apparently the claimed servicer of a non-existent mortgage lien holding my name. 
They have requested modification documents from me and robo-signed returned copies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I moved out from XXXX prior to the end of my lease. I gave proper notice & received an email from the manager that explained the fees. I paid 2/3rds of the balance prior to leaving & was informed I would be contacted in 30 days and I could make payment arrangements. I received a letter on XXXX from a company called IQ Data saying I owed and incorrect amount. I faxed them the next day with a copy of the email from my leasing office with the fees and asked them to correct their records and I would make payment arrangements to pay the corrected balance. I also called that afternoon and was told to wait 24 hrs for my fax to get in their system and they would contact me. They did not even tho I provided all my current contact info. I called them back on XXXX. They claimed they did not get my fax even tho I had a confirmation letter. They continued pushing me to pay the debt then and said that it would go to the credit bureau if I did not take care of it immediately. They told me that I could not make payment arrangements and that I only had 30 days from the day I moved out of the apartment to pay the debt. Their letter arrived 30 days after I moved out so I could not have paid it. They refused to listen to my concerns, they were unwilling to consider payment arrangements on the corrected balance and all they did was threaten me to pay the balance as quickly as I could. I do not want to deal with these people. I want the communication returned to the leasing office and I will make arrangements with them once they have assured me that the balance has been corrected and this will not appear on my credit report. IQ Data is unethical and people should be made aware of their terrible collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-23 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: CA

Complaint narrative:
Credit Report XXXX from Security Credit Service stating I owe a {$410.00} balance. I do not owe this amount and have never done any business with the original creditor shown as XXXX or Security Credit Service. 

I also have never received any correspondence from Security Credit Service or XXXX concerning this matter. The first time I have ever heard of Security Credit Service was the alert that a collection account was reported on my credit profile on Equifax. 

I am a XXXX year old disabled woman with very limited means and pay the very few bills that I do have.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CNG FINANCIAL CORPORATION
State: WI

Complaint narrative:
check n go continues to attempt to collect a payday loan that is now discharged in a ch XXXX they have continued these collection attempts the last 4 years even when told it was filed. they continue to tell me they were not listed but I have attached the XXXX showing them listed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc.
State: OK

Complaint narrative:
I called to tell these people that this is NOT the right number. I do NOT owe anyone money. The first time no one would answer the phone. The next day, the XXXX lady hung up on me before she even got the number to look the account up. I called back multiple times before anyone would even answer the phone. The XXXX lady answered and before I could speak hung up. I repeatedly called back from XXXX different numbers and no one would answer for quite a while. Finally, I got someone to answer and she said she would look into it but did n't get any information to be able to locate anyone until I stopped her and gave it to her. She did give me the name associated with MY number but I have NEVER heard of this person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-13 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
I entered into an agreement with check n go on XXXX/XXXX/XXXX. I was unable to make payment that was due on XXXX/XXXX/XXXX. After I told them I was unable to, the representatives constantly called me at work after I told them I could not receive phone calls. Sometimes these calls would be 2 to 3 times daily. They also called my mother 's cell after she informed them that this was not my number and to stop calling her. The representative told them that they were looking for me for a past due loan amount. They called my mother almost every day for an entire week. I called into the office and asked that I be placed on a re-payment plan but they said that I could not enter into a re-payment agreement unless I signed a new loan contract with another check. I have exhausted my avenues in trying to settle this matter can someone help me with this. 
Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 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: Eastern Account Systems of Connecticut, Inc.
State: OR

Complaint narrative:
XXXX XXXX I filed complaint against XXXX XXXX operating credit card reader for my private practice as XXXX. I enrolled as result of XXXX advertisement claiming a 1.59 % per swipe fee. I had been using XXXX - but decided to switch over. When my first invoice arrived I was shocked to XXXX that in addition to 1.59 % there were other fees and charges totaling almost 17 %. I called to cancel and was informed that I had three year contract and would be billed per month regardless. XXXX XXXX, XXXX I filed complaint with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX I received email notice of closure of my account. 
On XXXX XXXX XXXX I received Debt Collection notice from Eastern Account System of Connecticut , Inc. in the amount of {$76.00}. I contacted them by phone - and contacted XXXX XXXX XXXX XXXX XXXX regarding this alleged debt for which I have documentation of account closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
AGAIN, I am complaining about OCWEN. They STILL HAVE NOT UPDATED MY XXXX OR XXXX to reflect that I paid as agreed, they updated XXXX because I filed an XXXX dispute TWICE!! I also Sent XXXX Proof of Paid in FULL on my mortgage and It is STILL NOT Updated that the mortgage was Paid in full!!!!!! They got the money XXXX/XXXX/16 ... Over 30 days ago! I also requested an audit of my payments since I was forced to send the XXXX EXTRA at closing for escrow, No DETAIL What that is for! I paid 2016 portion of Prop taxes AT closing, I PAY home owners insurance Out of Pocket ( Renewed XXXX XXXX, so it should NOT be for that ) Where is THAT Money?? What is it for?? I paid over {$2000.00} EXTRA in XXXX AND in XXXX And extra in XXXX ... .WHERE IS MY MONEY?? WHERE IS MY INFORMATION??? They FORCED me to sell with FALSE foreclosure warnings and Mis application of funds ... .I WANT ANSWERS!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: TN

Complaint narrative:
I am writing a formal complaint against XXXX XXXX XXXX and LenderLive. I closed on my home through a VA Loan on XXXX XXXX, XXXX, through XXXX XXXX XXXX ( XXXX ). XXXX started using LenderLive for servicing payments on my loan without notifying me in advance. I continued making payments on my mortgage. On XXXX XXXX, XXXX, I received a call randomly asking me where I want my payments for my mortgage. The caller claims her name is " XXXX '' and represents XXXX XXXX XXXX. I voice that the call sounds like a phishing attempt as I have never received a call like this. XXXX threatens to return my payments without applying them to the loan. I voice my disagreement with her actions & voice my concerns that returning payments I have made on the loan without applying those payments to the mortgage sets a dangerous precedent. I asked to speak with XXXX 's supervisor, and she refused that request as well. I called LenderLive later to confirm that my payments were being applied to the mortgage. A Lender Live employee confirmed this information later that day. On XXXX XXXX, XXXX, I received a letter dated XXXX XXXX, XXXX, from XXXX XXXX XXXX XXXX XXXX ( XXXX ) stating that my loan is being transferred from XXXX XXXX XXXX. XXXX 's letter makes no mention of Lender Live, leading me to believe it is a phishing attempt. Also, XXXX XXXX, XXXX, I made a call to Lender Live to discuss why a Lender Live employee threatened to return payments and refused to get a supervisor on the phone during our call. The supervisor I spoke with confirmed " XXXX '' made the call on XXXX XXXX, XXXX, and confirmed he would review the XXXX XXXX phonecall. I asked what relationship LenderLive has to XXXX. The supervisor confirmed that LenderLive has a relationship to CENLAR and confirmed that my loan was being transferred. I reminded the Supervisor that mortgage servicers are required to provide written notice at least 15 days before the effective date of the transfer. The supervisor retorted that the letters were sent out prior to the weekend and thus meet the 15 day requirement. The supervisor at LenderLive did not have an answer for why I had received a notice of transfer from XXXX dated XXXX XXXX, XXXX, and yet LenderLive failed to meet that 15 day deadline. In summary, my complaint names XXXX XXXX XXXX, XXXX, and CENLAR. My concern with XXXX is that my VA XXXX is being set up to fail by a mortgage servicer with numerous complaints and XXXX ( XXXX ) star reviews on numerous websites. Finally, the pattern exhibited in my complaint consists of XXXX XXXX XXXX and LenderLive ignoring the laws set by RESPA and the FDCPA and failing to meet the requirements of providing written notice within the set timeframe.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
As part of a dissolution of marriage, the Court assigned the credit card debt to the former wife. The Bank was advised, but still sold the debt to Calvary, a collection agency. 

They were advised of the document, but filed a lawsuit in the XXXX Judicial Circuit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I had medical issues and got behind on my payments on a loan secured by furniture and a signature loan. I kept in touch with the loan company, however they continue to call me and threaten me. They have said that they want to know what time they can come pick up the furniture, told me repeatedly that they would sue me, garnish my wages, and put a lien against my home on both loans. They try to force me to come in on a particular date and I tell them I do n't have the funds and can not come in on that day so then the threats start. They have come to my home ( I was n't here ) and left a card. They called my sister and told her to contact me and tell me that I had 10 minutes to call them back. This was approximately four days after I had been in their office and made a payment. They ca n't use the excuse that they did n't know how to locate me and needed to 'find ' me since I was in touch with them the week before. When I talk to them they can never tell me how many months I am behind. They say that my payments are n't full payments and when I ask why, they say that late charges are being taken out. I have asked them repeatedly to send me a print out of my payments and how they are applied ( this is especially important because they told me I missed a payment in XXXX and I see where I made it ). I have yet to get anything to verify the dates they 're saying I 'm behind. One person says I 'm behind since XXXX, another person says I 'm behind since XXXX. I 've even asked for the amount of late charges so I can pay them and they can be applied to the months they say I was short. I was n't short, I paid the required amount, they allocated it and make it appear that I 'm months behind on payments. Yesterday I was told that my account had been sent to an attorney for collection a month ago but I made a payment and they pulled it back. The manager said she was sending it yesterday to the attorney because I told her I did n't have the money and could n't come in before the XXXX. Then today she calls my job and leaves a message requesting employment verification ( I saved the voicemail and attached it to this complaint ). I 'm at the point where I do n't want to talk to them since it does no good. And all they do is threaten me with lawsuits and garnishments. Is it even legal for me to send in a payment for the month and they only apply part of the payment because of a late fee and then say I 'm behind in that month 's payment?

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc
State: NM

Complaint narrative:
Hi! PayPal Credit is engaging in misleading and predatory practices. In paying for an ebay purchase, I inadvertently and somehow signed up for PayPal Credit on a " Promotional Financing '' offer. Rather than using my checking acct. via debit card, which is what I had checked, PayPal used credit on the first " sign up '', and on several subsequent occasions, despite me checking " PayPal '', not " PayPal Credit ''. PayPal checks, then unchecks my choice of payment, and puts the purchase on credit. I have emailed PayPal with my complaint, and received no response. PayPal 's " Promotional Financing Offer '' is no payment/interest free for 6 mos., then they start charging 19.99 % from date of posting, a few days after purchase, if you do n't pay off the entire balance. This reminds me of the medical " XXXX XXXX '' scam, but at lease medical expenses can be paid. No consumer needs a sneaky credit scam to buy stuff on ebay! Please investigate -- this is just wrong. Thank you.

Company response to consumer: Closed with explanation