vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
My brother and I rolled his change so it could be deposited into his savings account. We went to the XXXX, MI branch to deposit the money. As soon as the tellers saw the rolled coins the XXXX of them began arguing about which one had to wait on us because they did n't want nor need the change. It was not only frustrating, but also highly embarassing. My family was so embarrassed we are ready to empty XXXX accounts from PNC bank and taking the money elsewhere!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: U.S. BANCORP
State: DC

Complaint narrative:
There were XXXX charges from XXXX that i dispusted on my credit card. 
They should of been credits not debits. 
US Bank ignored my correspondence and failed to provide any evidence to support their reversal of XXXX charges for XXXX & XXXX. I do not have a XXXX account

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 monetary relief
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
I had to have XXXX in XX/XX/2016, XXXX months after purchase of my home. I fell behind in payment for that month, but continued to pay accordingly. Call US Bank XXXX, MN, for assistance, they stated they are unable to assist me unless I 'm behind on payments. 
I pay my mortgage on the last day of the month, then the XXXX of the next month I 'm considered late and am now accessing late payments. They kept giving me choices that were not feasible for my situation. ( i.e Forbearance for a couple months with a lump sum at end ... ) Unable to catch payment up. I even asked if I could pay XXXX and XXXX weeks later pay other they declined .So I had to assist an XXXX bureau in order to get any type of real assistance with account, well I 'm in a modification now, now they are requesting information that supposedly verification of employment can not provide. I have supplied verification of employment numerous times and they are not accepting what is being provided. I advised XXXX that the company states the job verification line supplies the info, they do n't want to piece the information together. I asked if my job is unable to supply the information due to their ( corporation ) policy what is next step? We will have to remove you from program. This is assistance to someone that has requested help before it got to be too much, had medical issues, and is just trying to keep her home.

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 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: LA

Complaint narrative:
6 Months ago our home was detroyed by a flood. We can not receive assistance from FEMA because US Bank refuses to provide the documentation they require. They even deny putting the denial in writing. We can not even speak to someone to find out why multiple requests have been denied. I was promised a call today from a supervisor, but they are not available and have not called, in fact, I have never received a call back from US Bank despite assurances on dozens of occasions they would do so. We found out after the flood they had canceled our flood insurance, and were given 3 different explanations as to why. 1. FEMA redrew the flood zones 2. They were just doing an annual renewal. 3. They were evaluating whether or not the shop was going to be included in the policy. I believe all 3 excuses were lies, they did reinstate the policy but that took time to go through underwriting. I 'm pretty sure what they are doing is illegal. They did not send us a notice of the cancellation as required by law. US Bank insist the {$30000.00} in insurance money they have been holding since XX/XX/XXXX can only be used to repair the home. The home must be demolished, so putting {$30000.00} into it would be foolish. We have requested, as outlined in our mortgage agreement that we would prefer to have the insurance money applied to the balance of the mortgage. They have denied this request multiple times and never have provided an explanation as to why. We are living in a FEMA trailer in our front yard and are in danger of losing it because one of the requirements is that we show progress on rebuilding our home. We have not paid our mortgage since XX/XX/XXXX on the advice of our attorney. In XX/XX/XXXX US Bank said they could only apply the insurance money to our mortgage if our account was brought current, so we brought the account current and they still refused to apply the payments. I am at my wits end, it has been 6 months and US Bank is playing games and refusing to answer our questions. Please help!!

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 2016-11-26 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: FL

Complaint narrative:
I opened a credit card account approximately 4months ago. The sole purpose of the account was to obtain a promotional XXXX gift card of {$100.00} if I used the card in an allotted time frame. I have used the card and have never received the gift card. This is after three inquiries over the last three months. they admit I should have received the card over 6 weeks ago and keep " researching '' why I never obtained this. US Bank and XXXX have fraudulently solicited the opening of this account under false promotion. There is no intention on their part to send the card. The last " supervisor '' I spoke with was XXXX employed # XXXX and told me " They are going to research the problem '' ... 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 monetary relief
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP
State: AZ

Complaint narrative:
US BANK made a cash bonus offer via e-mail for switching to US Bank checking. The letter said if I open an account with them by XXXX XXXX 2014, I will get a cash bonus of {$200.00}. I had satisfied all the criteria including making a direct deposit arrangement for this account and opened an account online using the offer code XXXX. But it has been more than 7 months and I have not received my cash offer. Moreover, US Bank just this month closed my account because they are intellectually incapable of serving me as a customer. I do not bank with them anymore anyway but I want my cash bonus offer of {$200.00} paid to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: MI

Complaint narrative:
I had a fraudulent balance transfer on my credit card. US Bank refuses to give me the info about the transaction that I am entitled to according to Public law 108-159. I was told I would have to get a lawyer to get a sepeena.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I contacted XXXX who is collecting on behalf of Calvary SPV LLC. I spoke to a XXXX XXXX. Upon I asking for proof of debt, proof that they are licensed and bonded in my state she began to get annoyed and very nasty to the point that when I asked to allow to state that I was requesting certain documents for the record she stated that she does't have listen to me and hung up. AT no point was she able to tell me the date of first delinquency, license number, she basically only wanted to collect money. She never informed me that I can dispute this information. I then was upset and called back and spoke to customer service supervisor XXXX XXXX. I explained the situation and that I wanted her to correct XXXX XXXX conduct and how she violated my right under the FCRA. I also informed her that I was going to file a compliant with the FTC and CFBP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northeast Collection Bureau
State: ND

Complaint narrative:
I keep getting a class from a number who says I owe a debt for a bank account. When I tried finding out information about the debt the man that I spoke to was rude and literally hung up on me, all he said is it was a bank account and would n't give me any details as far as amounts. A few days later I received another call and was hung up on because I explained I was n't comfortable giving out my personal information ( including my social security ). They refused to give me any information, including giving me their mailing address to verify that they are a legit organization so I can verify if the debt was mine. 

I tried researching them to on-line and I was n't able to find anything based on the phone number they called from.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 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: VA

Complaint narrative:
I could not make a payment last Friday XXXX XXXX/XXXX/2015 XXXX, and I am now receiving threatening emails from attorneys. I have been threatened to pay immense amount of lawyer fees ; and will face jail time. Allied cash advanced is now harassing me with phone calls, as well as numbers that are n't identified.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I have paid in full and they will not take the time to release of record. This paid debt is being held against me because it is an active judgement with a XXXX balance. I am trying to purchase a home and all my other paid liens were released of record within 30 days per compliance. This company say they do n't have to do anything now that they have their money. This has a negative impact against me and is effecting my opportunity to purchase a home for my family. I have completing my due diligence in payment, now I am demanding that they complete their due diligence in release of record.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Sierra Holdings LLC
State: PA

Complaint narrative:
I purchased a XXXX XXXX XXXX in XXXX XXXX. I have made 2 payments so far but Sierra is reporting an increase in my original balance. My original balance was {$16000.00} but Sierra reported an increase to {$16000.00} on my credit reports

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
CFPB disputed an inaccurate account on my credit report with XXXX XXXX After CFPB contacted XXXX XXXX the vice president of XXXX XXXX XXXX XXXX sent me a letter telling me he sold my account to Calvary Portfolio Services and that I needed to deal with them. XXXX XXXX could have easily contacted Calvary Portfolio Services and let them know that the account was open via Identity Theft but chose not to although CFPB sent the police report and all supporting documents to XXXX. I actually think the account was sold after XXXX received first correspondence from CFPB. Please have Calvary Portfolio Services remove this from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Bleier & Cox APC
State: CA

Complaint narrative:
BLEIER & COX, APC ATTORNEY re-started the case on XXXX/XXXX/XXXX. They need to drop legal action due to California statute of limitation. It 's been over four years since the original file date ; XXXX ; ORIGINAL FILED DATE was XXXX/XXXX/XXXX. i do n't have any info on my last payment prior to XXXX/XXXX/XXXX with XXXX XXXX. XXXX XXXX said they will garnish my wages if I do n't pay the debt. I sent XXXX XXXX a letter via fedex received on XXXX/XXXX/XXXX. I wrote them informing the expired statute of limitation on the debt. On XXXX XXXX they filed the following after receiving my letter : XXXX/XXXX/XXXX - MEMORANDUM OF COSTS AFTER JUDGMENT ; ACKNOWLEDGMENT OF CREDIT AND DECLARATION OF ACCRUED INTEREST - LESS THAN {$100.00} FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - WRIT FILED BY XXXX XXXX XXXX XXXX ON XXXX/XXXX/XXXX XXXX/XXXX/XXXX - PAYMENT RECEIVED BY XXXX FOR XXXX - WRIT IN THE AMOUNT OF XXXX, TRANSACTION NUMBER XXXX AND RECEIPT NUMBER XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CNG FINANCIAL CORPORATION
State: IA

Complaint narrative:
I work for a company in XXXX IA, When I filed for my payday loan I did not give my current place of business number. My boss and another co worker have been called and the business calling them left messages on their voice mail. The messages left do not state that they want to talk to the people they are calling but to me. My number is also in the company directory and they could call me directly. Further more, I have spoken with them and told them I would call them when I get the chance and they continue to call my place of business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
My parents received a voicemail from XXXX saying that I had outstanding debt. However, I do n't having any outstanding debts at all. They left a reference number. My mother told me and I called back to resolve the issue. I had already searched the number before I called and saw that others had issues. They asked me to verify the last four digits of my social security number. I said no and they hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
Tower loan has called my job after I have told them that I will be punished if calls continued. I have asked district manager to have workers not called and he stated he will make sure the calls would stop. Soon after the calls continued and workers stated they will call as long as my account is not paid.

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 2015-07-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
Tower loan company came to my home and a friend was aty house and answered my door and told them I was not home. They told him that my account was past due and I must pay immediately. They should n't have talked to anyone about my loan. They call my friends and family every day and call me at least XXXX times a day. This is very unprofessional and borderline harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-04 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Back in XX/XX/XXXX I received a letter and a check from XXXX for {$5.00} stating they 're sorry they made a mistake you ( meaning I ) had overdraft protection ( which is some kind of inssurance. ) and this is what we owe you. Mind you, this negative report has been with me since XX/XX/XXXX. It has also been sold to " XXXX '' a collection agency who 's claiming I owe them the collection agency over XXXX XXXX dollars for that same account. It has put my good name and reputation in a very tough situation. I am a single dad raising XXXX kids alone and a full time student when I call to inform them I 'll be put on hold for too long I would have to return to class, and their hours are from XXXX which is not at all any resonable time for me and my situation. What can I do who can I go to for a little bit of help. I ca n't afford to pay a lawyer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: ONLINE Information Services, Inc.
State: TN

Complaint narrative:
Identity was stolen and used to turn on electricity in my name through XXXX. I faxed necessary documents to XXXX also explained the situation. XXXX has put bill in collections and is still reporting to credit bureaus that I owe {$170.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-02 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: U.S. Collections West, Inc.
State: MI

Complaint narrative:
I never received a dunning notice from US Collections West. Upon request for validation US Collections West did not provide the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: SC

Complaint narrative:
Eastern account systems did n't provide adequate verification for debt in question no documents were provided showing a contract or signature

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 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: FL

Complaint narrative:
On XXXX XXXX, 2016 at about XXXX I spoke with a representative XXXX to gain clarity and further verification of a debt in their office. Later he provided a Pay for Deletion offer in the amount of {$3000.00} to get IQ Data off my credit report. I asked him to give me sometime and I would call him back the following day. On XXXX XXXX XXXX called to continue discussing the Pay for Deletion and when asked to furnish a letter he refused and placed me on the phone with his supervisor. The supervisor after I told her I was n't going to furnish my credit card info to guarantee me the Pay for Deletion and terms discussed said she was going to place that I refuse to pay the debt in the notes to the file. As well as charging interest to the debt that is owed. The interest was over {$1500.00} and the claimed debt I owed was over {$4700.00}. When asked to send my debt back to the original creditor IQ Data reperesenative refused. This has truly place a strain and damage to y credit report and history for the past XXXX. These practices are illegal under the FCDPA and the FCRA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
Several callers have called me at my job harraseing me after I have repeatedly asked that they do not call me at work. After useing foul/obscene language the lady hung up in my face and have another lady by the name of " XXXX XXXX? '' call back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Capital Alliance Financial, LLC
State: MI

Complaint narrative:
I recently received notice from a law firm, XXXX XXXX XXXX stating that a lawsuit was filed against me by Capital Alliance Financial LLC. Capital Alliance is first attempting to collect on a debt that was discharged in court because they failed to appear in court after I objected to the accused charges. Some time has passed and the debt that is claimed that I owe is now time barred. The statute of limitation to collect debt in Michigan is 6 years. I find it unreasonable for me to have to take off from work to file a counter suit against this collection agency when they are knowingly breaking the rules established by the FDCPA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC
State: TX

Complaint narrative:
I was a victim of identity theft and noticed a collection from SECURITY CREDIT SERV I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commission which I wrote a formal complaint against SECURITY CREDIT SERV in regards to this matter. The FTC also instructed me to complete a id theft affidavit through XXXX. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
I see a company reporting that i owe adebt of XXXX for something i do not know of. This is not mine and require proof of contract that i signed or proof showing this is mine. This is not my debt. Please have this company remove from my credit. Thank you

Company response to consumer: Closed with non-monetary relief