vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-13 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 obtained a loan from Tower Loan on XXXX for the amount of {$2500.00} for funiture that my son needed. 
My son was making the payments on this loan and I was n't aware that he was behind on the payments. ( I still have n't seen proof of the fact they say he was behind ) When I became aware of the late payment, through a phone call from a representative from Tower Loan, I got a copy of my credit report dated XXXX XXXX, XXXX and there were no late payments reported on that credit report. 
I started receiving calls from Tower Loan representatives in XXXX, XXXX threatening to sue me because I had n't made these payments. They would call me at work, and on my cell while I was working with patients. I only answer calls while I 'm at work if they could possibly be emergencies from family members. Since I did n't recognize the numbers that called, I would answer. ALL of the representatives from Tower Loan have been abusive and agressive in their communication with me. One representative imparticular told me he pulled my credit and that it looked like I was " running around town getting loans and defaulting on them ''. I would explain that I would call them back after I got off work and they would yell and scream at me, telling me that they were going to sue me. 
First of all, I NEVER gave them permission to pull my credit. As far as defaulting on any loans, that is simply not true. 
I have been fearful of answering my phone since this started and I should n't be made to feel that way, since I pay my cell phone bill, not them. I find it hard to believe this is a legal way of collection practices. I have read the Fair Debt Collections Practices Act and it seems that this is highly illegal. I have since hired a credit expert and she is helping me get all of this mess handled. 
I am sending a copy of this to the FTC in hopes that someone can stop these people from doing this. 
Thank you for your time

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 2016-12-01 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Debt was found by checking credit score. No attempts at communication have been made between myself or any party related to me. Therefore I have been completely unaware of this debt, or what it is even for.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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: PA

Complaint narrative:
Security Credit Services continue to attempt to collect a debt that is not mine and place this debt on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
A debt collector is attempting to collect a debt for an electric bill in for an address in XXXX, Florida which I 've never lived at. This is seriously impacting my credit score and leaving me unable to do anything involving credit without incurring higher fees than it should. I 've asked the collections agency to mark this debt as fraud and have it removed, as the mistake is clearly on their end, but they are requiring a lot of paperwork and information provided for them to investigate over a period of 90 business days. This seems very unreasonable that they ca n't just investigate this on their end and require me to jump through hoops for their mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 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: NY

Complaint narrative:
Statute of limitation expire but they keep harassing me sending me letters and calling me. 
I 'm a XXXX citizen just living from my Social Security check

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Merchants Credit Corporation
State: OR

Complaint narrative:
Continues to contact me after sending a receipt of payment to the original creditor ( hospital ). Told them on the phone and in writing that I disputed the debt and not to contact me by phone any more and to send any proof that I am wrong about this debt. I have seen nothing from them to show that I owe the debt. They stopped calling but began again recently. So my complaint falls in several areas of the fair credit act. Not calling again after told. Not responding in a timely manner when the debt was disputed 6 months ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 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: ONLINE Information Services, Inc.
State: IA

Complaint narrative:
this issue has not been resolved yet. Although online collection agency has answered and which i appreciate them sending me proper debt of validation, im not being helped when i say this debt is not mine. I have since received the debt validation from Online Collections. I have included XXXX attachments they sent me about them and the debt from my XXXX ( same company that merged ). If you look at the account numbers, its different than the account number that i had when i had XXXX XXXX. 

It took a long time but i have found and attached my last XXXX bills from XXXX XXXX that was in my email. its all time stamped and dated. The account numbers differ from the ones that Online Collections are saying that i owe in XXXX/XXXX/2011. 

How can account numbers change right at the time i stopped service with XXXX XXXX? The address i lived after my last bill is XX/XX/2011 " which i attached a file '', i did not need to have my name in any address after that date. i should not be billed at all, especially an address i do not know of. this could be a simple error on their part but still, not my error or debt. 

This is not my debt that Online Collections are trying to collect from me. I have NEVER lived at XXXX XXXX XXXX XXXX, XXXX, NC, XXXX which is the address of the debt they are trying to collect. 

Making a police report for fraud is out of the question right now since i am working out of state and wont be back to NC until the holidays. I was told i had to make a police report in the same city/county as this incident occured. 

I need this to be resolved, ive been spending hours upon hours finding facts to prove its not mine. my credit report has had many false info that has already been deleted but this is the last one that seem to get no help from even though im providing all necessary info, proof, and documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: TX

Complaint narrative:
My mortgage was transferred to XXXX Mortgage Services on XXXX XXXX, XX/XX/2015. I have made payments every month on time. To this day, XXXX XXXX, XX/XX/2015, they can not account for a {$3300.00} dollars they deposited to my account on XXXX XXXX, XX/XX/2015. Numerous emails and calls were made to locate the whereabouts of such payment. There response is " it has been escalated for review. '' On XXXX XXXXXX/XX/2015, my ARM was calculated and adjusted with the balance that did not reflect the missing funds paid on XXXX XXXXXX/XX/2015. I submitted bank statements and trace number of the missing fund they deposited allegedly into my account, however, they can not account for the payment. On XXXX XXXX, XX/XX/2015 they mailed me a letter, which states " your loan is in default. '' Since XXXX, XXXXXX/XX/2015, I have met my obligation paying my mortgage and provided approximately {$7000.00} in overage payment to be applied to the principal. They constantly say they will return my calls and locate the missing payment, but to this day this have failed to call nor locate the missing payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was living in XXXX, Nevada in 2016 and signed an apartment lease for XXXX month. After about XXXX month, I wanted to terminate the lease due to the scorpion infestation of the dwelling. Prior to me initiating lease termination, the apartment company send a pest control service to treat for scorpions but it did not help. Terms of the contract allow early lease termination due to the un-resolvable issues with the dwelling that cause significant hardship and threats to health. The apartment company still told me that I had to pay early termination fee and now they turned over the collection on the fee to the collection company that tries to collect much larger amount.

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 2017-01-04 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
check 'n go is one of the worst compy 's to deal with ther pay sement is not that grate if you take out {$600.00} you have to pay back XXXX dallers. wich come back to them XXXX I think these comppy 's need to my put out of business ther herting people that pay in to are govment ssc. 

thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
i submitted a complaint and my Case number : XXXX. Today I received another letter from Legal Recovery law Offices and this time the plaintiff is XXXX XXXX XXXX , XXXX. 

I called the Law office again to verify what debt they are talking but the receptionist was saying I owe over {$10000.00} and she is not allowed to discuss over the phone than hung up on me. I have been harassed by the Legal Recovery Law offices numerous times. 

I just want it to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I 'm receiving calls from a company who will not give me their name threatening to have my license suspended over a payday loan that I have no recollection of. They are also threatening to have warrants issued against me. Not only will they not tell me their company name, but they will not provide any documentation about the supposed loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC
State: MS

Complaint narrative:
360 Mortgage has made several billing errors regarding my loan XXXX. The mortgage company is reporting various amounts due in the past 5 months. The company has violated the Fair Billing Act and Fair Credit Reporting Act. The company has added default cost of {$390.00} and " Other Charges and Fees of {$120.00} ''. The company denied me a refinance under the VA refinance loan program or the ability to modify my loan after I submitted multiple applications and request after having a financial hardship and the death of my mother in XX/XX/2016 of XXXX. The after speaking with me initially about my hardship the representative XXXX, who would initially ask me to submit an application ; which I did and she would in turn state I had 15 days to complete and return it with supporting documents such as bank statements. This happened 3 times ; which put my account further behind. XXXX and her Manager XXXX She then requested on the XXXX day into the process to circle all debits and withdrawals that went towards my mortgage and expenses. This information was seen in the monthly statement as debit or withdrawal. This was a tactic that was unethical, racist, and deceptive to compound cost to have my account in a default state to obtain monies in a deceptive manner. The company has violated the Fair Housing Act by imposing overly restrictive rules because I have children and am XXXX. Since I am a veteran I contacted my VA loan representative which monitors my loan XXXX. The company has stated my funds were being held in escrow to pay for insurance and taxes. The company refused to allow me to independently pay my taxes and insurance. Which is now not fully paid as agreed on the Mortgage Note in my Loan Contract and my Insurance was paid before my annual taxes which should have been paid monthly due to my insurance service contract. The company sent me an agreement ( payment arrangement ) for my loan and stated my loan could not be modified and brought current even though I was 4 months behind at the time. The company has charged me " Default Related Charges and Other Charges and Fees '' even though this payment plan included all other fees.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION
State: UT

Complaint narrative:
I received a call from location services saying that I was going to be arrested if I did not pay a debt of {$450.00} and they directed me to call a phone # and gave me a " case number ''. I call them and they also threatened to have my arrested, that I would lose my job, etc. In duress, I paid {$200.00} and then gave them my debit card # to set up payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have contacted my bank - this last time was the third time due to fraudulent charges coming out of my checking account. They have issued a new debit card - but the incidents keep happening. They are coming from XXXX - which I have closed my account with them. But after XXXX there is another vendor - the latest being XXXX XXXX XXXX. They say it stems from some computer game. These charges occur every so often ( approximately once a month ). I have to dispute them and keep having to be reissued a new debit card with a new number. I am at the end of my rope as to how to stop these charges. They have also appeared on credit cards. The credit card company issues the charge back into they credit card account. However, the debit card does not. They have you wait - in my checking account is my payroll money for bills, food, utilities, etc. I ca n't wait for that money to come back - that is my spending money and bill paying money. This has been a travesty - I just want unauthorized charges to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My hardship involves a variety of factors. My hardship was triggered with job layoff several months ago. It was compounded by with me having to move from XXXX to XXXX to find new employment. 
While the factors above are indeed significant, they pale in comparison with the biggest hardship of all. Despite making mortgage payments for approximately 10 years, I have absolutely NO equity to show for it. This has been a lopsided agreement, PNC has reaped all the financial benefits and I have n't shared in any of the harvest. I 'm underwater by $ XXXX. This is based on XXXX XXXX market analysis assessment. Over the years, I have paid PNC XXXX dollars for this property with absolutely nothing to show for it. A reasonable person would call this insanity and financial suicide. If PNC were in my situation, they would find this difficult to endure. 
Through no fault of my own, I find myself in this nightmare situation. As you know, the Banking Industry, Mortgage Companies, Investment Houses, XXXX, and Rating Agencies worked in concert to cause the Housing Crisis. The product of your efforts resulted in XXXX XXXX citizens like me having nightmare mortgage situations. The US Government bailed out XXXX XXXX and the Banking Industry and for the most part left XXXX XXXX out in the cold. PNC predecessor company, XXXX XXXX XXXX XXXX XXXX XXXX, played a prominent role in this nightmare. PNC purchased my original loans from XXXX XXXX XXXX. XXXX XXXX XXXX track record for bad mortgages is well documented and resulted in Class Action Lawsuits. Minorities like me were particularly hard hit with these bogus mortgages. 
Citizens like me have suffered far too long without any help, despite our pleas to Banks, HARP and other agencies. I urge PNC to please take this opportunity to do what is right and change this course of destruction. Let 's get this done.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX Phone : ( XXXX ) XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAUor any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
My husband and I bank with PNC and someone obtained his PIN number and made a fake debit card and took almost {$3000.00} from us all with atm withdrawals. We live in XXXX and this took place in XXXX. It was never stopped and we were never notified. I was under the impression they had 10 business days to return our funds temporarily while they investigate. Here we are day 10 after we filed the claim with no credit to our account. XXXX have been told they do n't know when the money will be put back onion and that it could take as long as 45 days all awhile they are incouraging us to use my husbands credit card which is of course through them and suggest that I open XXXX as well with them. We are very frustrated as we have a child and have bills to pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation
State: NJ

Complaint narrative:
I need help getting help with my account I 'm on XXXX and I inquired to the company several times through customer service but I cant get to speak to someone higher up. My daughter and I who is the cosigner are both out of work on XXXX. My daughter had XXXX and I have XXXX and XXXX issues. The company did give me a XXXX payment extension which had my next payment due the same week I signed off on my paperwork and I tried begging them to give me atleast 30 days because I had n't started receiving my XXXX checks yet but was denied, I was told they cant give an extension on a payment that is due yet but I have a payment schedule and I have financed several cars and have never heard that before. I was told that I 'm paying interest payment for the first 2 years anyway so I do n't understand why they cant just help me out. My interest rate is 24.937 % which I have bad credit so I was desperate and had to get a vehicle from them not realizing that the rate was so high of course until afterwards. I need help I can t afford to loose my car I need transportation with everything that I have going on I 'm stressed enough and your agency was my last resort to try to get them to work something out with me

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