vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I had a loan through Check'n'Go for the amount of {$300.00} in XX/XX/XXXX. The agreement was to pay {$43.00} every other week for a year, which comes out to almost {$1200.00} after interest. 

I have the records from my bank of all the payments being processed for that amount of time, and as far as I could see, the loan and interest has been paid back. 

Now this past week ( XX/XX/XXXX ), which is 3 years after the loan was agreement was signed, Check'n'Go has started taking payments out of my bank account again for the amount of {$43.00}. I have already contacted my bank to tell them that these payments are unauthorized. 

I have contacted the company, but nobody is willing to look into the matter in order to resolve it. All that they say is that I need to pay them them money owed. But I have already paid them, so this is basically extortion.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
Regarding practices of Attorney XXXX XXXX XXXX, XXXX XXXX # XXXX. XXXX collected numerous debts on behalf of XXXX XXXX credit card against XXXX XXXX XXXX. XXXX XXXX is on social security and had only the social security payments as assets in her account. He garnished ( against government rulings ) her account in excess of {$3000.00} leaving her destitute, and at the same time put a hold on her safety deposit box. Upon being contacted by the FTC, the bank quickly reimbursed her the funds, but this was wall after she had to borrow money to make up her monthly stipend. Attorney XXXX stated in his answer to FTC that he would remove the hold on the safety deposit box. This has not been done to date and he is holding not only her belongings, but those of her daughter and grandson. He needs to follow up on his word and take the hold off of the safety deposit box immediately. He is an unethical attorney who preys on the most vulnerable and he should be sanctioned for his tactics. His company is called Legal Recovery XXXX and is located in XXXX XXXX. After a year has passed with nothing done to release the safety deposit box, I am refiling this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Called after sent written cease of comm
Company: CNG FINANCIAL CORPORATION
State: AL

Complaint narrative:
I wrote a letter to them informing to only contact me by email. They have repeatedly called my cell phone and they have also called my work phone repeatedly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
My name is XXXX XXXX XXXX. I sent Tower Loan a letter asking them to stop calling my work place XX/XX/XXXX, and they continue to do so, even calling my former workplace. Below is an e-mail that I received from my former job : Hello XXXX : I appreciate the message. I have asked them to stop calling. Also, I am contacting the consumer protection agency for them to stop calling. You can report them if they continue to call : http : //www.consumerfinance.gov/. 

Thanks, XXXX From : XXXX, XXXX Sent : Wednesday, XX/XX/XXXX XXXX To : XXXX, XXXX XXXX XXXX ; Subject : FW : Voice message from XXXX to XXXX Hi, This person seems to be trying to track you down. They called me again today. 

XXXX XXXX XXXX | Recruitment & Retention Advisor | XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX phone : XXXX ( Pronouns : She/Her/Hers )

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 2015-08-31 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I have a loan with Check N Go. The loan is now at {$870.00} with fees and re-financing, even though it started off at {$500.00}. 

I have refinanced it four times. 
Today, I asked for an extended payment plan, and they said that they do not have to offer one in the State of Ohio. 

I would like to file a complaint against them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I have XXXX XXXX from Merchants Credit Association contacting me at work after I have asked to not contact me at work. I left a voice message indicating to her not to contact me at work and she keeps contacting me at work. They have my home phone number and will call everyday and not leave a message.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc
State: NY

Complaint narrative:
I have XXXX accounts with Paypal. XXXX of which had a negative balance as a result of a disputed transaction unrelated to PayPal directly. PayPal deducted funds from the account with a positive balance to satisfy the account with the negative balance. I have no issue with this. 
However, PayPal has refused to lift the hold on my account with the positive balance, only sending me canned responses to my demand that they lift the hold on my account. They are preventing me from accessing my funds. They keep asking I call them, however, I advised them that I do not wish to speak with them on the telephone.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Account Management Services, Inc.
State: TX

Complaint narrative:
this is what keeps coming up on the cr rpt, their XXXX is this is not them ACCOUNTS MANAGEMENT SVCS {$0.00} {$120.00} XXXX accounts reported on Apr XXXX, XXXX XXXX account reported on Apr XXXX, XXXX This agency did not report an open account to this bureau. 






Open Account # XXXX {$120.00} Balance XXXX Original Creditor {$120.00} High Balance XXXX XXXX, XXXX Opened Date XXXX XXXX, XXXX Last Reported Individual Account. 

Responsibility Consumer disputes this account information Medical Remarks Note See something wrong? 

You could

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: Paypal Holdings, Inc
State: IA

Complaint narrative:
I was contacted by an unsolicited telemarketing phone call from a company called XXXX that promised me a very profitable at home online business. I paid them {$1600.00} and they said I was going to make between {$2000.00} - {$3000.00} a month. It seemed very good to turn it down that opportunity. They said they would train me on how to put products for sale on Ebay. They would help me to find drop shippers so I could sell, all they have done was send me some videos to watch. I had no 1 on 1 training like they said was ever done. I could barely get in touch with anyone from XXXX on the phone. Very little contact. And when I asked for my refund they stopped answering my calls. I did not make any profit out of this mess. I could n't find products to list on Ebay to make a profit. They did not provide the services that I purchased.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.C. System, Inc.
State: CA

Complaint narrative:
I took XXXX dog to XXXX XXXX hospital to the vet and made monthly payments of XXXX. To my knowledge this was not credit or a loan kind of deal but more as a pay as you go for service. I called around. XXXX/XXXX to cancel the debt the debt was never canceled by XXXX and they continue to charge me up to XXXX XXXX. After my dogs care had stopped there in XXXX being the last month he was ever seen in that hospital. I received a letter saying I owe XXXX to I.C. Systems. I attempted to call them because I Believed it was a scam and I I never heard from them again. Today it was report to the credit bureau. Which I do n't understand cause it was never a credit and I refuse to accept that debt because my animal stopped recieving care. Not only that I.C. systems never followed up with me. I am willing to pay what is owed up until XXXX/XXXX and have the removed from my credit report because it is unfair that I 'm being overcharged for services that was n't Provided after XXXX XXXX

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 2015-05-13 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.C. System, Inc.
State: VA

Complaint narrative:
The company, IC System is trying to collect for a pet health plan that I nop longer want yet they keep renewing. I am not interested, as I explained to XXXX XXXX XXXX in keeping this plan, yet they continue to : '' auto-renew '' it. When they would not stop billing me or harassing me on teh phone, I changed my credit card number to stop teh fraudulent charges yet they continued and have now placed this with a collection agency damaging my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I was shifted from our debit card/bank account for PayPal purchases to PayPal credit without my knowledge. We were since charged late fees on a {$45.00} purchase ( which should have come directly out of our debit account ) for a total of {$110.00}. We are seeking to have all charges except the purchase price refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-03 00:00:00
Product: Money transfers — International money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc

Complaint narrative:
PayPal put hold on my payment {$60.00} that I paid for a participation in a tennis tournament. I called them and they said that they will release money within 24 hours but they did not do it. There is a deadline for registration soon.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Google Compare Credit Cards Inc.
State: TX

Complaint narrative:
google wallet has cancled my account with {$140.00} us dollars and will not get back to me about a refund this is borderline stealing. I cant get in contact with anyone about getting a refund and no one will respond in emails. this is my money and i need it now. the customer support is terrible and they can not provide any info on getting my money back to me im very displeased with how ive been handled. this needs to be addressed so customers can get their money back in a timely manner ... not a month or XXXX just to get a refund thats way to long to handle an issue. ive called more than XXXX times and no one can help me!!!!!!!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: AZ

Complaint narrative:
Venmo refuses to provide me access to my funds unless I send personal information over email. 

I recently changed my telephone number, and the only way this company says they can verify the account is if I send them a photo of my identification via email. Per the FTC, email is not a safe way to transmit personal information, and Venmo has refused to provide any other means to verify. I asked if I could fax, call, use a webform, perform an email verification or other way to verify, and they refuse. As a result, I do not have access to the money sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A.
State: CA

Complaint narrative:
Hello, About almost XXXX years ago my husband and I lost our home that was financed by Flagstar bank. We tried for about a year to try to modify our home with unanswered questions. They asked for paper work, we sent it. They kept asking for the same information over and over and over. They seemed to want to help us but once they received everything they asked for they said it was too late. I have faxed papers over and over and over and even had different agencies trying to help me modifiy my loan. Nothing was done and my home was foreclosed on. We did not want to lose our home and tried everything in our power to try and save it. Whatever they asked we did. From papers being notorized to simple bank statements. they received it all. They kept sending the same request over and over and we kept sending everything. They did nothing. This bank had no intentions in letting us modify are loan and its plane simple and wrong.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: FIRST COMMUNITY MORTGAGE, INC.
State: VA

Complaint narrative:
First Community Mortgage paid my county real estate taxes late resulting in a late fee + interest payment of {$440.00}. When I called them the customer service rep on the phone acted like it was my fault even though I have an escrow account. This has blemished our public record on the public XXXX County website for anyone to see that looks our property up online and may have put a blemish on our credit.

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
Consumer complaint received 2015-07-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Account Recovery Specialists, Inc.
State: KS

Complaint narrative:
I have repeatedly contacted this company via e-mail in order to pay a debt placed by XXXX XXXX XXXX. Once I determined that I owed the debt, since the original bill they sent me was unclear, I contacted them on XXXX/XXXX/2015 requesting that if I pay the debt in full that they remove the account from my credit bureau. When I did n't hear back from them, I contacted them again on XXXX/XXXX/2015 by e-mail. Again, when I did n't hear from them, I contacted them on XXXX/XXXX/2015 with a final request. In this request, I stated if they did not address my request that I would need to turn the problem over to the Consumer Financial Protection Bureau and the XXXX. This should be an easy request to address. Moreover, they should feel fortunate that I am paying this to begin with, because the physician at XXXX XXXX XXXX is overbilling me considering the services he provided. He saw me for about XXXX minutes, did n't run correct tests, and sent me away with medication that did n't even work for my problem. The hospital initially billed by insurance provider almost {$500.00} for his services, and they state I owe about {$250.00} of it despite paying my {$300.00} deductible at the time of service. The total bill was well over $ 3k. And when they billed me, they did n't even bill me correctly. They stated it was for XXXX services rather than physician services, which lead me to believe I had already paid the bill with the deductible. When they finally cleared it up, they placed it with a collection agency before I had the opportunity to pay it and failed to send me notification that stated they were going to place it with an agency. Then, when the collection agency initially billed me, they stated it was for the ER visit rather than disclosing the physician 's visit. Confusing to say the least.

Company response to consumer: Closed
Consumer complaint received 2017-02-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: TX

Complaint narrative:
New mortgage in 2015, with fixed rate of XXXX. Mortgage payment has gone up over {$300.00} since the origination of the loan, becoming harder to make payments. We have decreased insurance to help lower payments but they keep raising 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 2016-09-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc

Complaint narrative:
Hi im complaining Paypal because they wont let me withdraw or transfer funds to my local bank. They just sent an email saying that they noticed a pattern and that it maybe at risk so it has been permanently limited and the frustrating part is that i 'll have to wait 180 days when it 's available telling me that they just want to make sure that its not involve in any fraudulent activities. I email them saying that all transaction are legitimate but they only responded stating that their decision is final and that i can not withdraw my money. Please help me i needed it for hospital and medical expenses for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: PA

Complaint narrative:
I entered into an agreement with a virtual account seller and after agreeing upon initial payment and after receiving said payment the seller than says that the price had changed and to get this account I must pay an additional amount of which I did and the seller than states that I sent it to the wrong account after I had followed his directions. He never made mention of this other account until after receiving the second payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Google Compare Credit Cards Inc.
State: CT

Complaint narrative:
I attempted to dispute a charge, XXXX from XXXX of XXXX on XX/XX/XXXX, the transaction id is XXXX. However, the rep ( s ) I spoke to did not understand which transaction and reason for dispute. The first rep I spoke with insisted the transaction in question is a XXXX funds transfer on XX/XX/XXXX, a day prior, which it is not. Again, the correct transaction is noted above. The charge is a deposit on a vehicle, which I attempted to cancel. However, the dealership refused and stated deposit is not refundable. They refuse even when vehicle has not been delivered and an option on the car is incorrect. Also note, the payment amount for financing is not what was agreed to. This was explained to a second rep I spoke to, I had to call back after dealing with first rep who would not cooperate. However, I do not know if dispute was filed or not as I have no email confirmation of anything of that sort.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.C. System, Inc.
State: FL

Complaint narrative:
This {$970.00} collection is showing up on my report.I do not know this Dr. office or Doctor. have never been there. I have left messages at the office but no one will return my call for 2 weeks now. I am a vet trying to purchase a home and I really need this off my report. Also I have never been to see a XXXX.

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 2016-09-29 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Flagstar Bank, N.A.
State: FL

Complaint narrative:
i had to refinance my home loan that i had with flagstar due to poor servicing on their part. 
now they are refusing to return XXXX dollars that my new lender overpaid to them in my settlement statement.flagstars payoff was for XXXX and my new lender paid them XXXX.this of course came out of my pocket.yesterday when i called them they told me that they were charging fees unknown to me thus i wasnt entitled to the overpayment.its my understanding that the payoff included all the fees associated with the loan to be paid off. 
finally theres the matter of XXXX dollars in escrow money that they are sitting on and not giving it back to me. 
i need for them to refund the escrow and the overpayment asap, since it doesnt belong to them.

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 2016-06-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
I disputed a claim from XXXX XXXX that was denied due to proof that I authorized XXXX transactions using a PayPal account that I do not have that totals to {$1000.00}. I was informed that XXXX XXXX will not be refunding my money back until I submit more proof that I did not authorize the transactions. XXXX XXXX also stated that I will have to get that refund from the merchant, which is PayPal. I have been contacting PayPal about a refund, but they stated that since I filed a dispute against XXXX XXXX, that they have no power over getting me a refund. I continue to go back and forth with the XXXX companies but nothing is being done.

Company response to consumer: Closed with monetary relief