vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Mobiloans, LLC
State: CA

Complaint narrative:
I requested and got approved for a {$600.00} loan from a company called Mobiloans. I told them I got paid once a month and they said that would be ok and would take out payments on the XXXX of each month. Now they want me to make XXXX payments a month. I can not do this. I called them and they said all customers were required to make XXXX payments ( minimum payments ) every month. When I tried to log in to mu account I could not because my login information was not correct. I requested a link to change my password and did not receive an email with a link for the password change. This happened 3 times in a 45 m, inute period. I called the customer service number and the representative said that I could change my payment options, but had to do this 4 days before payment was due. This is 2 days before payment is due on the XXXX of XXXX Payment has already been submitted to my bank which will not go through because I have no money in my account. I will also get charged bank fees for the returned payment and overdraft fees. I then read consumer complaints about Mobiloans, and I only wished I had done this before I trusted this company. I was in a financial bind and just took their loan. I am going to see if my bank can do anything about this, but I do n't know. 
Other information that was not made clear to me was that my minimum payment only covered their fee and would not go towards my loan unless I made more than the minimum payment. I can not do this and so will probably be paying this company forever, unless I suddenly win a lot of money which is not likely because the extent of my gambling is to enter the XXXX. I am XXXX and on a very low fixed income and can not work due to XXXX.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 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:
I took out XXXX loans with XXXX XXXX. The first XXXX was to get my credit up to finance furniture, and the second one was for moving. I have been unable to pay the full amount due to XXXX and the loss of XXXX part-time job within six months. Tower Loan, even when I do pay, will call me to offer me payday loans, will call me the day my loan is due, and if I am unable to pay the full amount, I get harassing phone calls. I have sent them a hardship letter telling them of what has happened and that I plan on paying them in the near future, but it has fallen on deaf ears. I still get harassed continually by them, and they are not trying to help me at all with any of my payments.

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 2017-03-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Winona Holdings, Inc.
State: WA

Complaint narrative:
We received a collection letter from CheckCare requesting payment in the amount of XXXX which included a {$25.00} fee. The first name was in correct and the NSF check was allegedly written to XXXX for a prescription. It is very rare for us to even write checks and our accounts are not at risk for NSF. We have never been to XXXX. Assuming this is a scam collection and we will not provide any personal information to this company. What else can/should we do to protect our credit/identity?

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 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:
To whom it may concern : Let me begin by saying I have never been made to feel so insulted and embarrassed in a business as I was in the XXXX branch of PNC Bank. Just before closing on Monday, XX/XX/XXXX at XXXX I entered the PNC Bank above to make a withdrawal. 

My withdrawal was for over XXXX dollars. I stated to the teller that I needed at least XXXX dollar bills. I was told they did n't have XXXX dollar bills in the whole bank to give me. She proceeded to give me a combination of XXXX and XXXX with about XXXX dollar bills. I explained I was uncomfortable carrying that much loose cash on my person and was told that because of a run on XX/XX/XXXX that the bank was short on large bills. At that time I asked to speak with the Bank Manager. I was introduced to XXXX and she gave me the same explanation. This all occurred while another teller was counting 'large bill ' cash within eyesight of us. I pointed this out to the Bank Manager, but instead of acknowledging it she became indignant. I had already told the teller to cancel the transaction and went to pickup my withdrawal slip and leave when XXXX reached for the slip, instead grabbing my hand. All the while she was raising her voice like a mad person. The exchange was quickly turning ugly and so at that point I moved to leave while she loudly ordered the teller ( so everyone in the bank could hear ) not to give me the funds, thinking she was punishing me. She not knowing I had already cancelled the transaction. 

Next she shouted that I should n't touch her when, in fact, she grabbed my hand. This was her attempt to further incriminate me ; making me look like the bad hombre. I knew at this point she was trying to stir up trouble and paint me as the villain. All I came into the bank to do was make a simple withdrawal. Instead I was shouted down and treated like an animal. All while being falsely accused. I have been a loyal PNC customer for many years and I do n't have an axe to grind with anyone on the staff at this branch. In fact, many of them know me on a first name basis and we are always cordial towards each other. But it appears XXXX feels she can take it upon herself to randomly attack and indict PNC customers. To say that XXXX response was unprofessional would be an affront to the word 'unprofessional '. At the very least she needs refresher training on how to treat the bank 's customers. 

I am writing to state my treatment was unacceptable and a direct affront to me and every other customer doing business with PNC Bank. We deposit our money in your bank and expect courteous and timely service when come there to conduct business. Instead we are castigated and belittled when asking for the smallest accommodation. Consider this the lodging of my formal complaint. 

Regards, XXXX Note : since this complaint was lodged with PNC - Retail Escalations XXXX has vindictively closed my checking accounts without my authorization

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12 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: Consumer Collection Management. Inc
State: FL

Complaint narrative:
After renting a house in an economically challenged neighborhood, my wife and I were forced to remove ourselves from the property due to ongoing threats of extreme violence from the neighbors. In doing so, we had to make arrangements with the property owner, XXXX. Our agreement was a verbal one and we were to receive a written statement, I am not sure where it went as we moved in a hurry. The agreement included cash as well as all of our brand new appliances ( cash value was more than the debt ). We just need to get out. A year had passed when we first noticed a collection company reporting we owed someone we not aware of. We never received a written statement of this debt, just that it seemed to appear out of nowhere. Unfortunately, this debt gets removed and the replaced. Now the collection is still ongoing and still noting in writing from them, I have sent a register letter to acquire this information in writing. The ongoing effort to collect a debt that we do not owe is being done by a company that is not licensed to collect debts here in the of Florida!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CW Financial
State: NY

Complaint narrative:
US Bank, as Trustee, sued for foreclosure on my property. I have become informed about the particulars of the role of US Bank and their role as a corporate trustee because the bank disseminated to the public - statements which specify their duties and role as a Trustee for mortgage loans. To wit, US Bank states as follows, " US Bank, as trustee for thousands of securitization transactions involving many XXXX mortgages, is often mentioned in media reports about foreclosures. While trustees are listed on mortgages, and therefore in legal documents as well, as the owner of record, its interest is solely for the benefit of investors. The trustee does not have an economic or beneficial interest in the loans and has no authority to manage or otherwise take action on the loans which is reserved for the servicer. As noted the trustee does not play a role in initiating or managing a foreclosure process and consequently has little, if any information relating to mortgage loan activities including a foreclosure. Depending on the particular trust and pool, the trustee may have very limited information on either the borrower or the property. '' US Bank Corporate Trust Services also states that it " does not initiate, nor has any discretion or authority in the foreclosure process. '' I received a letter from US Bank Corporate Trust Office, Corporate Trust Services, XXXX XXXX XXXX , XXXX XXXX XXXX XXXX from XXXX XXXX dated XX/XX/2016. The complaint # XXXX was in connection with Account/CUSIP # XXXX. The property is located at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX. XXXX XXXX 's letter referenced another address. This complaint is in connection with Account/CUSIP XXXX and XXXX also for the same property located at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. I am seeking clarification of US Bank 's role in those accounts as specified herein and for the specified property.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
I contacted my mortgage company Loancare regarding removing PMI and they are saying it can not be removed until 5 years. I closed on mortgage XX/XX/XXXX, so we are at the 5 year point but now they are saying it has to be done when I make my XX/XX/XXXX payment, which was done on XX/XX/XXXX, but say still can not be removed yet. I requested a payoff statement because I would rather just pay mortgage off to not be ripped off anymore and they stated " that function is not available '' hence not giving me final payoff amount which of course will continue to accrue interest until they figure out how to do it. On top of that I got a current escrow review statement and they are raising my monthly payment to put more money into escrow which of course includes the PMI which is due to be removed.

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 2017-04-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Motormax Financial Services Inc.
State: AL

Complaint narrative:
I opened an account with Motor Max Financial in XX/XX/XXXX and made all on time payments. The week of XX/XX/XXXX, I was quoted a payoff and mailed a check for the full amount of {$2600.00}. I spoke to XXXX at Motor Max and was let her know I was sending it certified and that it would make it there on XX/XX/XXXX or XX/XX/XXXX. XXXX XXXX signed for it on XX/XX/XXXX. Today, XX/XX/XXXX he had an agent call me and state that since he did n't receive it on XXXX at the close of business, I had to pay an additional {$120.00}. Motor Max financial was CLOSED on XX/XX/XXXX. I was also told that if I did n't pay the {$120.00}, the cashier 's check would be applied to future payments since Motor Max uses the rule of XXXX and does n't accept payments just for principal. I want Motor Max to refund my {$120.00}. XXXX XXXX is rude and uses deceptive business practices to squeeze more money out of consumers. Motor Max and XXXX are a horrible company for consumers. Despite paying more than {$2400.00} towards a {$3200.00} loan, they had only applied less than {$600.00} to the principal in a whole year. XXXX XXXX does not follow what his agent XXXX told me and refused to accept my payment without an additional {$120.00} - an amount that he made up to get more money for two days. I want my {$120.00} BACK!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: OK

Complaint narrative:
I have updated my info with Equifax and the score that they are reporting to me is almost a XXXX points different than when my credit union ran my credit for auto loan. I do n't understand why the information is so different from what I have on my report that I got in the mail. Equifax is giving me XXXX report but when someone else run it for credit I am being denied for having so many delinquent accounts that I have gotten paid off or updated. The denial letter I got said I had numerous public records when I do not. I want to report Equifax for not reporting accurate information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-10 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC.
State: NC

Complaint narrative:
I have several inquiries on my credit report that are inaccurate, they were disputed and Equifax and XXXX are stating that the information is factual and to contact creditor. I contacted creditor and they state that the inquiry has been removed and it has been sent over to all XXXX credit bureaus, The inquiries are XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Kingston Mediation Services
State: CO

Complaint narrative:
A company called Kingston XXXX XXXX telephoned me and told me that I had entered in to an agreement with them and I owe them money for a payday loan. I never took a payday loan. I do n't owe money to anyone. They threatened to have me arrested and told me to call my lawyer.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-07 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC
State: UT

Complaint narrative:
I thought this issue was cleared up over a year ago but it is most distressing that yet another collection agency, Allied Interstate LLC, is calling looking for the previous owner of the property we now own. We have owned this property for 34 months. I have attempted to explain such to them, to no avail. Their repeated calls continue. My request to speak with a supervisor are ignored and they hang up on me. With the latest call on XXXX XXXX, 2017 at XXXX I was able to speak with a supervisor whose I English I could barely understand. Will he heed my request to stop these calls? I could n't tell, as I was unable to understand him. Anyway these Debt Collection Services are not to be believed. Please assist in having these calls interrupting our life.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Credit Karma, LLC
State: TN

Complaint narrative:
My name is and spelled as XXXX. My maiden name is XXXX. I have no middle name. On my credit report there is a XXXX and XXXX. Please have this information corrected on my credit report. My email address is XXXX Thank you

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 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIBANK, N.A.
State: TX

Complaint narrative:
This debt was settled with a debt consolidation with XXXX in XX/XX/XXXX-XX/XX/XXXX. XXXX XXXX has been notified via multiple attempts to clear this collection from my credit reports. XXXX XXXX continues to harass me with collection notices. The continued collection status has effected me financially with low credit scores, and the inability to refinance my home at a lower interest rate.

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 2017-04-07 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: AZ

Complaint narrative:
I called Navient around the XX/XX/XXXX to inquire about forbearance or deferral of my loan I was told that I could not do that as I had used all of my allotted months under the loan. These loans are not under my name but under the name of my spouse as the were previously consolidated. As such they are no longer a spousal consolidation loan but are loans that are under my wife 's name and her name alone. I know this because everytime I call in to inquire about the loan I am required to give her information and not mine as I do not have loans with Navient. When I spoke to your representative in or around the XX/XX/XXXX she informed me that I could do a consolidation through Studentloans.gov and that would reset the loans. I proceeded to do that as you can see in your records. 
On a XX/XX/XXXX letter from Navient I was informed that the loan consolidation was denied with the reason code being XXXX. I then called and spoke to another representative on XX/XX/XXXX. He told me that the loan was denied because it was a spousal consolidated loan. He also told me that the loan was in a hold until XX/XX/2017 due to the consolidation application. He told me that I would need to pay {$43.00} for loan XXXX and {$280.00} for loan XXXX due on XX/XX/2017. After that I would then make a payment of {$320.00} for XX/XX/XXXX and then in XX/XX/XXXX the payment would start with the Income based repayment plan w3ith a payment of {$230.00}. 

I called again today and spoke to another representative and was given yet different information. I was told today that my payment of {$230.00} is due on XX/XX/2017 and that would continue until XX/XX/2017. I was also told that an email was sent on XX/XX/2017 informing me that my payment was due on XX/XX/2017 and not on XX/XX/2017 like I was told on XX/XX/XXXX. I have looked for this email and there is no such email. Obviously I am frustrated that things are changing without notification and that I am being told so many different things to do. 

After my conversation today I called the Loan Consolidation Information Call Center with the US department of Education. 
I was told to call Navient back and let you know that the loan is not a spousal consolidation loan as that was done previously when that type of consolidation was permitted. The consolidation of the loan that I was applying for is in fact not consolidating my wife 's and my loans but is a consolidation of her loans alone. Please see correspondence from US Dept of ED Call center here :

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: AMERICAN EXPRESS COMPANY
State: NY

Complaint narrative:
About American Express problem doing business on my website, and I 've pound American Express try to offer me for credit for any kind of used open American Express.this report and complaint was related to the complaint I was filed earlier.for this complaint I want to open and make the investigation go start to solve the banking issue that make a lot of corruption.this issue are serious and confidential to all viewers? its a bravery and dangerous.So please give a fastest results and start the best a soon as possible? In my part was critical everything that getting me down or distractions to stop me.Be frankly I need support and guide for this issue.As iI search it has I big group. That have connection to government or work in government agencies.Its hard to written right now distracting me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: NY

Complaint narrative:
It was just brought to my attention that Discover has been charging me a " discoverpaymentprotection '' fee every month since 2008. This charge is XXXX per {$100.00} balance. They state that I had signed up for this over the phone while speaking with an agent but have refused to provide me with any documentation or a recording of that call where I supposedly signed up for this. There is no possible way that I knowingly signed up for something like this. They have offered to refund me 6 months of the fee but this has cost me by my rough math in excess of {$1500.00} over the last 10 years and as I can not recall and very much doubt ever signing up for this and they can not provide any proof that I authorized this charge I am due back the full amount of this fees charges to my balance since 2008. Really I should be refunded interest charged on that additional balance as well but would settle for the amount of the erroneous fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Portfolio Recovery Associates, LLC
State: MO

Complaint narrative:
I have sent the creditor multiple certified letters asking for proper validation of this 6 year old debt. All they send me is a partial statement and a letter stating that the debt is valid. They are not showing me anything that is bearing my signature

Company response to consumer: Closed with explanation