vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-02 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I have lost my Discover card and copy of my social security card last year and when I discovered it I called the bank informed them about the matter and disputed all unauthorized charges from my Discover bank credit card. 
I have never authorized any charge from my credit card. My credit limit during that time was {$9500.00} and I still do not understand why Discover approved transactions over my credit limit which totaled charges approximately {$10000.00} additionally I already owned {$1500.00} on this card. Their security department never attempted to contact me and verify any transactions. 

And it is more suspicious and ridiculous their statement that somebody has called them from different number and authorized it. No evidence was provided to me and why Discover authorized it without verifying with me remains a big question for me. 

I have appealed this decision with Discover as it is not fair and it is against The Fair Credit Billing Act ( FCBA ) and the Electronic Fund Transfer Act ( EFTA ) I have never authorized these transactions and I have never requested or authorized any balance limit change and no credit check was authorized to change my limit from XXXX to XXXX. I should not be responsible for any unauthorized transactions from my Credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Collection Bureau, Inc.
State: NC

Complaint narrative:
I have received many calls everyday from united collection bureau. They have never sent me any type of mail informing me of the debt they are attempting to collect on.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
Prior to any wage garnishment, debt collectors need to send the debtor a summons so they 're aware of their right to dispute the debt in court. 

In order to send such summons, they must notify me not only by mail but in person, per New York state lawXXXXNo such notification was made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-23 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ORG GC GP BUYER, LLC
State: IN

Complaint narrative:
I have tried multiple times in good faith to enter into the loan rehabilitation program with GC Services, who is a debt collection authorized to operate on behalf of the US Department of Education, to get out of default and get my loans into the {$0.00} repayment program with the rest of my federal loans, and I have been completely hamstrung at every turn. I have sent in all the forms as requested, and then got a call a week later stating they did n't have our forms. So I sent in the forms again, and yet again a week later, I get a call stating that they do n't have our forms. So, this time I had the person stay on the phone with me until she clearly saw that she had received all the required forms, and stated as such over the phone. Then, a week later I get another call stating my bank account information had changed and they could n't withdraw the payment which is a lie, because I 've been with the same financial institution since 2010. Then, on a later call, they acknowledge that was probably their error but if we wanted to continue on the plan we would have to start the whole thing again. Now, even after all this I have had my entire federal refund " offset '' due to their incompetence and the program not being finished in time for this years taxes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ORG GC GP BUYER, LLC
State: NY

Complaint narrative:
I am in the process of getting my loans out of default. I initially called the XXXX to get a breakdown of all my Direct loans. I was informed by a representative of the XXXX that my loan is now being handled by GC Services. I was provided with the contact information ( XXXX ), and gave GC Services a call immediately. The agent handling my case provided me with amount of money owed for the Direct loans, and told me I was required to speak to her manager if I had specific questions on the defaulted Direct loans and options for repayment. I agreed, and was transferred to her manager who then proceeded to explain the option of the Rehabilitation Program. Once he finished explaining what the Rehabilitation Program is all about, he proceeded to ask me questions like, my most up to date address, phone number, and place of work. I explained to him that I did not feel comfortable providing that information until I considered all my options first, and by doing so I needed to know what the monthly payment would be if I considered the Rehabilitation Program. He proceeded to tell me that he will not give me that information until I told him I wanted to participate in the program. So, I told him if he did n't want to provide the information to me I would go along pretending I was going to participate in the program just so I can get an idea of what my monthly payments would be. Once he gave me the monthly payment amount, I proceeded in telling him that I will not be moving forward with the program until I know all of my options. He then threatened me with garnishing my wages if I did not participate. Although I am aware this is a possibility, under the Fair Debt Collections Act, it is prohibited to threaten any person in connection with the collection of a debt. This is a threat and should no be tolerated by anyone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: AZ

Complaint narrative:
I have been getting contacted by an agency called " GC '' Services and they will not tell me why they are calling me. I am not past due on any accounts that are owed and will not provide me with any information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: United Collection Bureau, Inc.
State: IL

Complaint narrative:
I continue to receive bills from the United Collection Bureau for XXXX XXXX. I have requested in writing that the United Collection Bureau to stop contacting me per CFPB guidelines and instructions and continue to receive notices. They said they would stop contacting me then the identity theft debt was transferred to another collection agency, I contacted them to stop contacting me in writing again, and then the identity theft debt must have been transferred back and now I am receiving notices from United Collection Bureau again

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I received a claim form in reference to IQ data international. The company was requesting a change of address, telephone number and name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Recovery Services, Inc.
State: FL

Complaint narrative:
SOUTHWEST RECOVERY has not provided proper validation of the debt and they continue to report to the credit companies. SOUTHWEST RECOVERY is not a licensed collection agency in the State of Florida. Since they are not licensed in the state of Florida they and not allowed to collect or report on debt on someone who lives in Florida. They by law must close this account and remove any reference of it from my credit reports.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC.
State: NY

Complaint narrative:
Hello I am familiar with a lawsuit that you and Attorney General XXXX XXXX have made against Navient and XXXX XXXX and I would like a voice in this matter! I am one of the many students affected by the company Navient. 

I recently read the article on what you plan to do to these big loan companies. One of which I actually have student loans with and let me tell you they are n't pretty. I am XXXX years old and moved to XXXX in 2015 to attend the XXXX. I graduated XX/XX/XXXX, and I am still in New York pursing my XXXX career. I already have a XXXX and XXXX, but naturally I am struggling. To come here I took out the Parent Plus Loan. The first year my parents co-signed and the second year my now retired grandparents co-signed. I currently have {$80000.00} of student loan debt in my name. The funny part is that {$65000.00} of that debt is technically under my parents because they co-signed, and they are basing my payment plan on the {$70000.00} my dad makes in a year. But the kicker is that my parents are unable to help me pay my loans because they are caring for XXXX other children at home. So I am in this alone with a payment of {$480.00} every month for the next 25 years. That payment on top of {$770.00} for rent, {$110.00} for my monthly XXXX card, and {$100.00} a month for groceries. I am working XXXX jobs and having to sacrifice money for the student loan payment and rent out of my grocery money. The XXXX jobs are not cutting it and I might even have to get a XXXX. I have not time or effort to put into my career and it really makes me sad. I even went so far as setting up a XXXX account to see if I could wrangle up any kind of help. I hold an XXXX in XXXX. XXXX is my passion, the only thing I want to do and I barley have time to dedicate to it because I am working day and night just to have enough to survive life and the loan. I really want to be a part of what you are doing and have a voice in the matter. I want to be a part of this and maybe some relief for XXXX just like me can come of this. If you read this email PLEASE HELP. I ca n't do this alone anymore.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-20 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: MO

Complaint narrative:
XXXX or XXXX different employees at the Check N Go loan store have been informed by my supervisor that I can not accept personal phone calls at work but they continue to call several times a day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CNG FINANCIAL CORPORATION
State: NE

Complaint narrative:
Sent multiple notices to stop contact under the FDCPA, collector continues to make repeated harassing phone calls to XXXX parties and myself.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: 360 MORTGAGE GROUP LLC
State: WA

Complaint narrative:
The 360 Mortgage Short Escrow Account Disclosure shows that the 2016 second quarter payment actual was {$1000.00} ( Attachment 3 ). 

The XXXX Treasury ( Attachment page 1 and 2 ), Attachment page ( 2 ) two indicates that the total payment made by 360 Mortgage amounted to {$580.00}. As a result the escrow account payment due to me, is {$450.00} short.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
Please see attached letter to the " Bureau of Medical Economics '' in XXXX, AZ.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-01 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have never applied for a loan, received a loan or been in contact with the Check 'N Go Company. They sent an invoice or bill in the mail that states my payment has been dishonored. 

I 'm either concerned that someone has used my identity to take out a loan or Check 'N Go is trying to scam me out of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Check N Go / XXXX Account No : XXXX I would like to make a complaint against XXXX/Check N Go. This payday company is great at misleading consumers, I was told that the interest rate was very low and would be able to pay off the loan quickly. When I fell ill I call them to stop taking money out of my account which the told me I had to come in and write a new check for the to hold. Check N Go continued to Ach my account even when I told them to stop. I had well over {$120.00} in NSF fees just because they would not stop the ACH. I had problems paying back my loan because I 'm on such a low income. I contacted you to say I was in financial difficulty and Check N Go told me that I could not defer any payments. I have tried to work with them but the continue to harass me, and damage my credit. The manager who work in the branch XXXX XXXX CA even told me that Check N Go knew it would be hard to pay off their loans that 's why their interest rates are so high, and he does not even work for Check N Go anymore. I would like for Check N Go to stop their unfair business practices, of misleading consumers with their deceiving high interest rates. I do not owe them any money the have over drafted my checking account to the point where I was force to leave my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
All of my payments have been on time since having a mortgage with Carrington ( mortgagee ). However, when I was contacted by Carrington to refinance afterwards my payments went from {$1500.00} to {$1400.00} starting in XXXX 2016. So for XXXX I continued to make my payment of {$1400.00} but on the payment website the amount due was showing {$1500.00} so I immediately contacted the agents of CMS which were my primary contacts throughout financing. I was told by the agents that there must be a mistake and they would investigate and to continue to make the {$1400.00} refinanced payment while they research the issue. 
When I tried to make the XXXX payment I was told by another agent that my XXXX payment was not made. I told that agent that I did make the {$1400.00} payment. The agent said that the amount was not applied as paid because it was not in full ( {$1500.00} ). I explained that I had refinanced and my primary contacts were looking into this matter to make the amount due corrections. The agent continued to research and said that more than likely my escrow had increased and I should go ahead and pay the {$1500.00} amount for XXXX and the additional {$96.00} for XXXX while this is being researched. So I paid those amounts in hopes of getting this issue corrected soon. 
After receiving derogatory credit reporting from Carrington for not paying the full {$1500.00} amount in XXXX without explanation of why it was increased I finally received a letter on XXXX/XXXX/2016 explaining hat happened. 
My property taxes had increased for XXXX thus increasing my escrow and monthly payment amount but I was not notified by Carrington nor the City of XXXX. 
After explaining this situation to Carrington, they are refusing to correct the missed payment reporting to the credit bureaus. 
To add further insult. I have documentation from the refinance closing that I was entitled to a closing refund that CMS has refused to pay me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received a call from XXXX on XXXX/XXXX/2016 at my place of employment and was left a threatening voicemail from a young lady stating she was from a Claims Department and that it was in reference to serving for a claim of " debt by deception '' that has came across their desk and that they would do a skip trace for my home and employment and was going to summons me to sue in court unless I contacted XXXX referencing case # XXXX. All this information was left on my work voicemail which anyone could access with my personal business on there. I called that number and spoke to a XXXX XXXX and he stated that Check N Go is trying to sue me for Electronic Check Fraud and that I needed to pay them or they will sue me in court. I advised to them that their claims are untrue and that Check n Go refused to work out any payment plans. XXXX XXXX then stated that he was going to pull up a settlement to see what the offer was and advised me to hold. When he came back on the line he stated that the settlement was for XXXX and I could pay that to settle the initial XXXX debt. I then advised him that I could not do that, he then started to get rude and loud stating that it ; s only XXXX you should be able to pay that since you work and was screaming and threatening that he is going to definitely send someone to my place of employment to summons me. He also stated that he would contact XXXX County and then at that time I stated that I never received anything from them regarding this alleged debt. He then stated that it was sent to me in the mail back in XXXX XXXX, 2016, at that point I advised him that I never received anything. He then stated well we have XXXX email on file and we can send it to your email. I saw the email and it 's dated as of today 's date and it 's advising me that I have until XXXX/XXXX/2016 to pay off the debt. When I advised him that his claims as a " liaison '' was false he then continued to become belligerent and loud, stating are you going to pay or not and I advised him no and then that is when he then stated again that he will be sending someone to serve me at my job and hung up. I then called an agency and they advised me to check with the XXXX to see if they were registered to collect in Texas and they showed no registration for XXXX XXXX XXXX out of GA. I then called the XXXX office in TX, they then stated I needed to contact the XXXX office in GA, I contacted them and the referred me to XXXX Consumer Protection Unit where I made a complaint against the agency, then he stated I needed to contact you 'll to make a complaint as well as the Federal Trade Commission. They did not get the debt validated from me because I never received anything from these people but an email that was sent today and dated today. I am making a complaint because I feel that my consumer rights have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23 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: GA

Complaint narrative:
I need your assistance in getting this matter resolved because I have reached out to the credit agencies and to Cavalry Portfolio to remove this account from my credit file since this account do not belong me. I have informed them of this many times. Today, I have not received any response verifying that this is my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Center, LLC
State: CT

Complaint narrative:
I never received a notice that I owed any debt. Checked my credit reports and found negative accounts. Sent out debt verification letters and cease and desist stating only to communicate by mail. They called me on XXXX/XXXX/2015 after receiving my letter sent out on XXXX/XXXX/2015 and I never received any letter or coerrespondance at all about the verification of debts. They have not removed the negative marks from my credit reports.

Company response to consumer: Closed with explanation