vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-07 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: NV

Complaint narrative:
A woman called me at work and claimed I had criminal charges pending regarding bad checks I have written in XXXX XXXX. When I told her I do n't have checks I was transferred to a supervisor who immediately started yelling at me. It was an old payday loan. " DO YOU REMEMBER NOW? '' I asked them to not call me at work. She said, " We can call you anywhere, anytime, and all day! '' I tried to tell her I had already settled with a debt consolidation company. She would n't let me talk. She yelled over me and interrupted me, basically called me stupid saying " you ca n't sell debt! '' She proceeded to say they are pursuing legal action in XXXX XXXX and I can stop the process if I pay them now. Very hostile, rude, and would n't let me speak or ask questions. She said I would be served papers the next day. I said thank you and hung up. I have received no papers. They continue to call me at work first and then my cell. I believe this is a fraudulent attempt to get me to pay on an old debt. They claim to be XXXX XXXX XXXX, but I ca n't find anything about them online. The number is XXXX, and the only things that number pulls up online are complaints of attempts to collect an old debt through harassment and threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I received an email Check n Go denying a loan application I did not apply for and showing an address I have not lived at in almost 4 years. It contains financial information that has nothing to do with me, i.e. I have not filed bankruptcy and many more things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Eastern Account Systems of Connecticut, Inc.
State: GA

Complaint narrative:
XXXX hired a collection agency to collect a debt I did not owe. The notice I received from the collection agency, Eastern Account System of Connecticut XXXX Inc. was intimidating. The Notice said the debt would be " valid '' if I did not contact the agency, during office hours ( XXXX XXXX to dispute the debt within 30 days. Instead of calling the collection agency, I called XXXX. 

On XXXX XXXX, I called XXXX and was told by the first XXXX rep that the debt was valid, despite the fact that notes in XXXX 's own records showed that ( i ) I had cancelled service with XXXX on XXXX XXXX and ( ii ) this was within 30 days of initiating service with XXXX on XXXX XXXX. I told the first XXXX rep I did not have an outstanding balance. He told me the records showed that I did have an outstanding balance, and refused to allow me to speak with a manager. Instead, he said I would receive an email within 48 hours with a final decision by a XXXX manager. I never received any such email from XXXX. 

A week later, on XXXX XXXX, I once again called XXXX to dispute the charge. I spoke with a second XXXX rep and once again was told the debt was still valid. He told me there was nothing that could be done over the phone and that I had to travel to my local XXXX office to try and dispute the charge. As I was asking for information about notes that XXXX had made in the account, he disconnected the line without any notification and my call was re-routed to the regular XXXX customer service answering service. After going through the entire customer service process for a fourth time, I was finally connected with a third XXXX rep, who after reviewing the notes told me XXXX agreed I had canceled the service within 30 days, there was no outstanding balance, and I would be receiving a letter in the mail confirming as much. 

Companies like XXXX should not be able to treat customers this way. The company makes it very easy to set up service, even promising to allow customers to cancel service at no charge within 30 days. Then, after a customer cancels the service, XXXX bills the customer anyway, refers them to a collection agency, hangs up on them when they call to dispute the charge, and makes them spend hours of their own time before finally relenting. This is consumer fraud and is wrong. Please help protect me and other Americans from these sorts of practices by 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 2015-10-02 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
In XX/XX/XXXX, I took out a payday loan with CheckNGo, I had XXXX payments at {$260.00}, I received an email from them in XX/XX/XXXX, indicating my final payment would be due XX/XX/XXXX in the amount of {$250.00} ( see attached email ) From : Date : XX/XX/XXXX, XXXX XXXXTo : Subject : Final Payment_DuePlease do not respond to this email. To discuss your account please call XXXX or email us at XXXXXXXXThis is a reminder that your final installment payment is due on XX/XX/XXXX, in the amount of {$250.00}. The payment amount will be debited from your checking account on XX/XX/XXXX. 

In order to keep your account current, please be sure to have funds available.This electronic message and all content herein may contain confidential information. This information is intended for the addressee only. If you are not the addressee, or have received this e-mail in error, any disclosure, copy, distribution or use of the contents of this e-mail is strictly prohibited. If you have received this message in error, please notify the sender immediately by e-mail and delete the original message and all copies. Thank you. I am getting consistent calls stating I owe {$23.00} and some change. the young lady said it is daily interest. I called in XX/XX/XXXX for a balance and payoff for XX/XX/XXXX, and nothing was ever indicated about daily interest, nor the email attached. I lived up to my responsibility when I borrowed {$2600.00} and paid back {$6700.00}. I dispute this amount and want to know what I can do to stop those calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
i received a letter today with a payment voucher from cavalry portfolio services threatening a possible law suit for an account they purchased that has exceeded the statue of limitations here in pennsylvania, not only have they done this, they have openly made harassing phone calls to my parents and employer.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
CAVALRY PORTFOLIO SERVICES IS AGRESSIVELY ATTEMPTING OT COLLECT DEBT ON THIS ACCOUNT EVEN AFTER I SENT THEM LETTER FROM XXXX XXXX AND EVEN AFTER I SERVED THEM WITH CEASE AND DESIST THEY IGNORED ALL REQUESTS TO VALIDATE THIS ACCOUNT AND IGNORED ALL DEMANDS TO STOP THEIR HARASSMENT ON THIS ILLEGALLY OBTAINED BY THEM ACCOUNT. XXXX XXXX STATE THEY NEVER HEARD OF CAVALRY AND DID NOT SELL THIS ACCOUNT TO THEM ... THIS MUST STOP

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Calvary Portfolio is threatening to sue me for an old debt they bought that is out of the statute of limitations for California. They have also failed t mail me a letter 5 days after calling.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 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: MS

Complaint narrative:
Hi, I 've been contacted many times by this collection agency and they are claiming it 's my debt when it 's not. I 've repeatedly asked them to stop and put it in writing for them to stop. I 've disputed the validity of the debt and the only thing they have on me is a SSn. I do n't know what to do. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-10 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Nelnet, Inc.
State: FL

Complaint narrative:
I received a letter saying I owe a student loan and must send the amount to them.The letter used the US Dept of Educ. but did not indicate who is the servicer who gave them the authority to collect for them. I called the number of the collection agency and the person on the phone said it was a student loan for my daughter 10 yrs ago in my former married name, ( I 've been divorced since and use my maiden name now ) and its defaulted loan. The person on the phone said that I can make payment arrangement based from my income and budget, as low as 5 dollars a mo. in order for the debt to be out of defaulted status. I was skeptical, but I answered all personal questions including where I worked, how much I make, even my budget etc ... since I barely have money left for food expenses, he said I qualify for 5 dollars a month. I thanked the person and I said give me the website where I can pay online. He said that their program is only for automatic payment and I need to give my bank acct or debit card to pay the 5 $ monthly payment. I got nervous and I told him that I will call him back in the morning and I got his name and ext number. The following day I researched and make calls and with the help of the account number on the letter the collection agency sent me, I found out that this so called defaulted loan, has zero balance. That 's why it was not even in my credit report, and I do check my credit score every month, and my credit report at least every 6 mos. So I blocked the collection agency 's phone number to stop them from calling me. They have been calling me and leaving messages, even using local phone number to trick me to answer their call. After 15 days of the original debt collection letter, I received again 2 letters back to back in 2 days, same exact letter, but the balance owed is more but with same loan account number. So I decided to report them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: OH

Complaint narrative:
We have not received our disbursement check from Roundpoint Mortgage Servicing Corporation. The loan officer at XXXX ( who did the financing ) confirmed the loan was paid off on XX/XX/2016, the {$2100.00} was disbursed to us on XX/XX/2016. He was quick to get back to me. I contacted Roundpoint online thru my account and their secure message center. They have not responded. I have logged another request to them today asking why they have not gotten back to me. I also spoke to them on XX/XX/2016 inquiring about the delay. The representative told me to wait another week. It is now 16 days later since the disbursement and we have not received " the check in the mail ''.

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 2016-03-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: OR

Complaint narrative:
I opened an account online, but never received my XXXX XXXX account opening disclosures. Unless I 'm mistaken, they never mailed, emailed or stored them electronically on online banking. I called the call center ( maybe XXXX? ) to find out where I could get them. She told me I 'd receive them by mail in XXXX10 business days. Well, I opened my account on XXXX and I still do n't have the disclosures. How am I supposed to know how to avoid a fee if I do n't have the disclosures?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: KEYCORP
State: NJ

Complaint narrative:
I SPOKE TO MANY REPRESENTATIVES AT THIS " BANK '' AND THEY ARE VERY RUDE AND THREATENING TOWARDS ME AND MY FAMILY. I TRIED TO EXPLAIN TO THEM ABOUT MY FINANCIAL SITUATIONS NUMEROUS TIMES AND THAT I COULD N'T AFFORD THE MONTHLY PAYMENT THEY WERE ASKING. I ASKED IF I COULD THEN SEND WHAT I CAN AFFORD AND I WAS TOLD THAT I COULD NOT DO THAT AND IT WOULD NOT BE ACCEPTED. THEY THEN WOULD THREATEN TO TAKE MY PARENTS HOUSE IF I DID NOT PAY THEM THE AMOUNT OF MONEY THEY WERE ASKING FOR. AGAIN AND AGAIN I HAVE TOLD THEM THAT I CAN NOT AFFORD WHAT THEY ARE ASKING FOR AND ALSO INQUIRED ABOUT SETTING UP SOME SORT OF A PAYMENT PLAN THAT IS SUITABLE FOR MY FINANCIAL SITUATION. THEY CONTINOUSLY WILL THEN SPEAK RUDELY TO ME, SAY NO AND THAT THEY REFUSE TO CONSIDER ANY PAYMENTS THAT WERE NOT THE AMOUNT THAT THEY WERE DEMANDING, MAKE THREATS TO MY PARENTS ON THE TELEPHONE, AND WILL THREATEN TO RUIN MY CREDIT SCORE AS THEY ALREADY HAVE.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Bureau Collection Services, Inc.
State: NY

Complaint narrative:
This is my personal cell phone. I thought creditors could n't call the personal cell phone when it is registered on the DO NOT CALL LIST. These people are calling early in the morning. They are annoying me!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-21 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TCF NATIONAL BANK
State: IL

Complaint narrative:
I had filed a fraud claim on a company that took money out of my account, and simply wanted to get my money back ( {$190.00} ). I figured it would be easy since I had n't signed a contract, nor did I authorize the payment. Within the week, I was issued a credit of {$190.00} to help me out until I get the refund, and a week later, the credit was withdrawn but yet to receive my refund. I was proceeded to be told that they had to notify the merchant about receiving the money, and that they had to give them 60 days to dispute the claim, and if it goes undisputed, I would receive my money. Within 30 days, the merchant called to notify me that they issued a charge back to my account, but my bank never received it. Now today, the 60th day has arrived, yet no money. I proceeded to call both my bank and then the merchant. The bank said that it is now going into an arbitration to get my money back, but this was new to me. They never disclosed this information about an arbitration before, and did not know I would wait another week. I was not given all the information, and was very frustrated because I am needing that money for food and gas. The merchant claims to have given back the money on XX/XX/XXXX and they e-mailed me that information, but my bank has no record of it. Then, another phone call to my bank resulted in my refund being received but was removed by branch management. Then, I was told the credit that was issued to me should never have been given to me, and I was also told that in the future, I " should n't be giving out my payment information '' which I thought was uncalled for, since she did n't know the whole story. I tried calling the branch that issued me the credit, but there was no number listed. I called the Customer Service again, and was given the number to then only be told that the money has yet to be received. I called the merchant, and they sent me information regarding the bank chargeback, and the merchant would not be able to discuss my account with the bank, nor would they have a record of when the bank contacted them because of some policy. Customer support for my bank was very disappointing, and frustrating. They gave me different scenarios for my problem, yet have no clear answer. It also seems they really made no attempt to contact the merchant, which makes me feel they are not working in my best interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: TCF NATIONAL BANK
State: MN

Complaint narrative:
I have received several calls to collect a debt. I would be fine paying the bill if the person on the other line had n't called me offensive names and threatened to sue me. When asked to speak with her supervisor she has been belligerent and rude. I am uncomfortable receiving calls from this company. They have called me several times a day for the last three weeks.

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 2015-07-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP
State: CA

Complaint narrative:
I had several IRA accounts that were held by XXXX. In 2013, KeyBank bought these accounts from XXXX. In XXXX of 2013, KeyBank closed these accounts - without my knowledge or permission. They supposedly mailed a check to me and they reported this to the IRS as they are required to do. 

I knew nothing about any of this until I received a bill from the IRS a few months ago, stating that I had unreported income in 2013 and owe them several XXXX dollars. 

KeyBank states that sometime in 2013, prior to them closing my accounts, they mailed a form to me to sign if I wanted to keep my IRA accounts open and active with them. I never received this form. I never received the check KeyBank issued in 2013. I never received a XXXX for submitting with my 2013 taxes from KeyBank. Any XXXX of these items certainly would have raised a flag with me.. 

I have been in contact with KeyBank on a very regular, often daily, basis trying to resolve this issue. They finally researched and agreed that I never received the funds. They are willing to send me a replacement check ( for POST-tax funds, not PRE-tax funds as the accounts were established ) *IF*, and only if, I sign an indemnity form holding them harmless and promise no legal action. This is as far as they are willing to work with me. 

I have attempted to contact XXXX XXXX XXXX XXXX, their Chairman and CEO, for assistance, and she passed my request on to their Executive Support Department. The executive customer support department maintains the same position, that this is solely my problem and that they will issue me a replacement check ( post-tax funds ) if I sign an indemnity form holding Key Bank harmless in all of this. 

Frankly, this is an unacceptable resolution. 

KeyBank is unwilling to : Take any ownership of the mistake they made Take any corrective actions for what they did Provide any documentation to the IRS on my behalf indicating that I did not receive these funds in 2013. 
Correct their mistake and either reopen the accounts or roll these funds into another tax deferred account - funds that they have been in possession of this entire time. 

KeyBank states that they are unable to because it would have to be a new account and IRS contribution limits apply. Frankly, this statement is a bit nonsensical to me. They closed the original accounts without my permission ; they can certainly go back and re-open them, especially since they have been in possession of my funds this entire time. It is really amazing to think that I can be made to pay taxes and penalties on funds that I never received. 

KeyBank needs to, and has the ability to, correct this situation by maintaining my funds in pre-tax status and submit amended and corrected information to the IRS, but they are unwilling to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: AL

Complaint narrative:
The new servicing company did not send out their notice no less than 15 days PRIOR to them receiving the transfer. They are now telling me the Federal law states they have up to 60days AFTER transfer to send me a letter. They are refusing to take my payment ( s ), give me date when they will start accepting my payment ( s ). They said I would just have to wait till they sent me a letter and called with the info, but would take aporx 60 days! I should just " hold on '' to my payment till then ... There is something fishy about them, it 's like they are wanting you to get behind or something. 60 days would cause it to show late on my credit report and I 've NEVER been late with my mortgage before and do n't plan on it either!!! 
CSR : XXXX her XXXX : XXXX : XXXX XXXX, TX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC
State: NY

Complaint narrative:
After our loan was sold to roundpoint mortgage company, we received a letter requesting documentation of homeowner insurance. We faxed the documentation to the number provided on the letter. We soon received a second letter requesting same. We re-faxed, emailed, and spoke with a customer service representative who assured receipt. We just got another letter notifying us of a charge of {$7200.00} to cover costs of insurance because we failed to provide documentation of insurance.

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