vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PEOPLE'S UNITED BANK, NATIONAL ASSOCIATION
State: VT

Complaint narrative:
I visited the XXXX XXXX, VT Peoples branch to update my information and remove the custodian on a securities account along with the custodian of the account and all necessary paperwork. Both the teller and XXXX XXXX, the woman who updated the account, said the custodian 's authorization to make the changes and remove the custodian was not needed and that the account had been updated. 

The following day, I received a phone call from XXXX XXXX to visit the branch again as there had been a problem with the paperwork and the custodian 's authorization was needed. During a phone conversation with XXXX XXXX XXXX ' customer service, XXXX XXXX, the customer service representative, informed me that XXXX XXXX was not listed in the securities employee database. 

In a follow-up phone call from XXXX XXXX, she accused me of suspicious activity by changing my name, address, and removing the custodian in XXXX visit and pushed for a reason as to why it would be so difficult for the custodian to authorize the change.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Monarch Recovery Holdings, Inc.
State: CA

Complaint narrative:
This company contacted a third party and disclosed information about a debt that they say I owe to another originator.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: Debt Management Partners LLC
State: HI

Complaint narrative:
On XXXX XXXX, 2014 I made a settlement payment to XXXX XXXX XXXX to be credited to my account with XXXX XXXX in the amount of XXXX and some change. I received a call from a company called Debt Management Partners stating that they now own my cashnet account and that I still owe them monies. I do not as I have documentation which I am enclosing stating that I have paid them off. Please see attached. I paid this account with my XXXX credit card ending in XXXX. I refuse to pay for this account XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: Trademark Management Solutions, LLC.
State: SC

Complaint narrative:
Trademark Management ( XXXX ) contacted my mother and father and stated that they had an open investigation on myself and needed information regarding some legal matters. The messages sounded as if they were written by a law enforcement agency. My parents forwarded the information to me and I called to see what the issue was in reference to. The company told me that I had broken several laws by writing bad checks ( which I never did, the creditor only accepted XXXX ) and that I was being charged with attempting to defraud a financial institution, which they told me was a serious crime. These accusations are completely false, as I had never written a check to the original creditor nor had I any intent to defraud this online lender. I was simply waiting to be offered a settlement amount on what turned out to be a predatory loan. Trademark then told me that they were sending someone to my house with some papers. When I grew angry with the accusations, the supervisor began yelling into the phone that " Hey, we 're not the ones that do n't pay our debts!! '' and started laughing. I am currently in year 3 of my Chp XXXX bankruptcy and the company knew that. This was apparent because the angry woman knew my attorney 's name and phone number and began saying that it was illegal to not pay a debt that was incurred after filing bankruptcy. I immediately called and spoke with my attorney who assured me that this was a violation of the FDCA and that I should file a complaint. I settled with the company to prevent further harassment of this nature but am now wondering if I should have, knowing the seriousness of these actions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-10-20 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: TN

Complaint narrative:
I had to take off work due to my wife having problems with her XXXX XXXX so i called the company and asked to make arrangements due to being out of work and they threaten to take me to court if i couldnt pay in full

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BYL Collection Services
State: DE

Complaint narrative:
BYL collection services did not provide adequate verification for debt question. No documents were provided showing 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 2016-10-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA

Complaint narrative:
I am behind on my mortgage due to XXXX XXXX XXXX and it 's complications. I have been awarded Social Security XXXX, and have notified my lender of such. I am working with XXXX XXXX XXXX at Bayview Loan Servicing , LLC and he is aware of this. He and I are going to work with Keep Your Home California to modify my loan AS SOON AS XXXX PAYMENTS START XXXX/XXXX/2016. I have repeatedly offered to send XXXX XXXX copies of my Award Letter showing that my payments start on XXXX XXXX, 2016. He has refused, saying that he can only use a bank statement showing my first deposit. In the meantime, Bayview has started foreclosure proceedings through XXXX XXXX. I called XXXX XXXX and he said they were " just doing their due diligence, not to worry ''. In the meantime, I called XXXX XXXX and was told that XXXX XXXX gave me the wrong information. They said XXXX XXXX should talk to his legal department to have them rescind the foreclosure. I called XXXX XXXX and asked him to speak with his legal department and he refused, saying that " Everyone has a story, I ca n't call them on each and every case ''. I again asked to fax him the XXXX paperwork showing my award and first pay date. He flatly refused to accept them. Fortunately, XXXX XXXX has stated that each call is on a recorded line. I also recorded our last conversation on my end, in case his recordings get lost. I am also attaching a letter that I am faxing to XXXX XXXX. They told me they would send it on to Bayview Loan Servicing , LLC

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CHARLES SCHWAB CORPORATION, THE
State: NV

Complaint narrative:
On XXXX XXXX I received XXXX emails regarding my account, both explaining that there were charges pending against my account which would not be able to clear due to nonsufficient funds and I would be charged {$25.00} per item unless I made a deposit into my account to cover the drafts before XXXX on XXXX XXXX. That same evening I made a deposit via the bank-owned ATM sufficient to cover both drafts. The next day I received notification that my account was charged XXXX overdraft fees of {$25.00} each. I quickly went into a branch and was told that due to the age of the ATM. the deposit made would not be processed until XXXX that day. As the teller was unable to assist me any further, I proceeded to call the bank 's office. 

I spoke with XXXX representatives and despite my assertion that regardless of the age of the ATM, the deposit was made by the time indicated on the email notices received and therefore should be credited to my account accordingly. Further, I pointed out that the Expedited Funds Availability Act requires the XXXX {$200.00} of a deposit that is not already subject to next-day availability to be made available by the XXXX business day following the day of deposit. The deposit amount at the ATM was {$20.00} in cash. 

They were willing to remove XXXX of the {$25.00} overdraft fees, but not both. I argue that according to notifications sent to me, timing of my deposit and Reg CC guidelines, I should be reimbursed for both {$25.00} fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Phoenix Financial Services LLC
State: TX

Complaint narrative:
Making harassing telephone calls but will not disclose any information about the debt when requested. Would not verify debt origination by phone nor by written communication. Just stating a debt is owed.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Money transfers — International money transfer
Issue: Other service issues — 
Company: WESTERN UNION COMPANY, THE
State: NJ

Complaint narrative:
Western union agent at XXXX XXXX in XXXX ma, XXXX, refused to serve me, a XXXX resident.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ

Complaint narrative:
Hi, my name is XXXX XXXX. I already have submitted a complaint, however it said where I send the mortgage company Qualified Written Request Letters that if they do n't answer to send them another QWR, ( which I did XXXX XXXX, 2016 documents attached ) ... and then to submit a complaint to CFPB.. ( which I am doing now ... ) Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Check Security Associates, LLC
State: CA

Complaint narrative:
Was recenty contacted by several family members stating that they were contacted by XXXX XXXX @ XXXX Case # XXXX. That is fine to locate me but it was disclosed that they were trying to collect a debt, and gave my banking information. To another family member they represented themselves as attorneys, and that they needed a statement for a pending judgement case. To my understanding both of these are violations of the FDCPA, and I would like to know what can be done about it. I am not saying the debt is not mine, but I am not sure if a law has been broken here, I need to know what recourse I have in protecting myself. I mean if I give them my payment information whose to say they do not take more than I owe if they are willing to break the law to try and contact me.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Check Security Associates, LLC
State: TX

Complaint narrative:
XXXX XXXX has called me numerous times a day leaving messages stating that I must call him immediately about my case and that they will be garnishing my wages. He then proceeded to call my mother, step mom, and both sisters and gave them personal information. He told them I wrote a bad check, or that it was a legal matter. Both of which are false. I had already spoken with someone there about making payments, but they still call my family members and threaten to call my work. Also, I requested they mail me verification of the account and they refused. The woman argued with me saying my contract with XXXX was now theirs and that everything I agreed to with them, I had agreed to with her company.I told her that since she was n't the same company, I had not signed a contract with her. She got very upset and then finally agreed to mail me a letter.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15 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: Pinnacle Credit Services, LLC
State: WI

Complaint narrative:
I have sent request for validation of debt. I have a certified mail receipt. Company has failed to respond in accordance to FDCPA guidelines. I have demanded the removal of the item with still no response. I would like the item removed immediatly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 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: Pinnacle Credit Services, LLC
State: AZ

Complaint narrative:
I have requested MULTIPLE time from this company to validate this debt which I do not believe I owe and have no knowledge of. I have sent several letters to both the collection agency and also to a " law firm '' whom I believe is n't a law firm but a fake letter meat to look like an attorney I have not received validation nor has this been removed from my credit while its being validated and it has also been disputed with all three credit bureaus with no success. I ask that this be addressed immediately as this has been going on for months.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Exeter Finance, LLC.
State: NJ

Complaint narrative:
My name isTheresa XXXX XXXX. I am a XXXX age XXXXyrs old. I live at XXXX XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, XXXX XXXX. Please I really need your help. I bought a car, XXXX XXXX XXXX year model. The finance company is Exeter Finance. Address of Exeter is XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. Their phone number is XXXX. I bought the car XX/XX/XXXX. Loan # is XXXX. 
The problem taht I have is that I finished paying off my car and now I am getting threats from Exeter Finance saying that they are going to repossess my car. They said I still owe them {$1200.00}. They called me on XX/XX/XXXX. I was scared when they said they were coming to get my car despite teh fact that I have paid them {$11000.00} to date thinking I had paid off my car. I paid them {$600.00} by phone from my Social security payment. Then on the very next day, XX/XX/XXXX at about XXXX they called again demanding for more money. I told them I did not have any thing more since they took the chunk of my XXXX pay, net for XX/XX/XXXX and I only had a small amount to live on. Then I went to the non profit in XXXX XXXX and they suggested I file a complaint. They helped me call Exeter Finance but to no avail. I feel I have been cheated. The car payment was {$320.00} per month for 63 months at 28 %. I felt so proud that I paid them off the total of {$22000.00}. For a {$12000.00} car, I paid {$22000.00} for it. I still did not get my car title. Please can you help me get my title and investigate the excessive payments I am still been charged. I will like a refund of any excess payments I have made. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A.
State: SC

Complaint narrative:
CitiCard credit card closes inactive credit card accounts without advance notice, damaging consumers ' credit ratings. 

My wife and I have been a Citi AAdvantage cardholders for more than five years. Last XXXX CitiCard arbitrarily cancelled my account with no advance notice. I called immediately, and the representative cited account inactivity as the reason. I asked the representative to reactivate my account, but he insisted that I would need to apply for a new card. Worse, the new application would require pulling a credit report. This week CitiGroup did the same thing to my wife, giving the same excuse and requiring her to apply for a new card. 

CitiGroup 's arbitrary no-notice cancelation practice impairs consumer credit ratings in multiple ways : It increases credit utilization. I had earned a {$50000.00} Citi AAdvantage credit line, and my wife {$19000.00}, so the impact was significant. 
Requiring a new card instead of reactivating the prior account reduces the average length of time cardholder accounts have been open. 
Pulling a credit report further depresses a consumer 's credit rating. 

Over five decades as credit card holders, my wife and I have never missed a payment. We have earned stellar XXXX credit scores. We use auto-pay, so CitiCard incurs no statement printing or mailing costs for our accounts. What does CitiCard gain by terminating and alienating us? 

CitiCard has our e-mail address, snail-mail address and phone number. Why not contact us before canceling our cards instead of afterward?

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 2016-06-07 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
I have an account in collections from XXXX that is being handled by Pinnacle Credit Services. The balance has ballooned from just over {$50000.00} to {$110000.00}, more than double.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Progressive Financial Services, Inc.
State: NY

Complaint narrative:
About XXXX calls per day with a computer on the other end. I will make the payment when I have the income, they have been told I 'm not currently working and still I get around XXXX calls per day.

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 2016-10-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc.
State: IL

Complaint narrative:
I recently inquired to my auto lender Santander, as to why my balance has not been going down, I have had the loan for 6 years and I still owe a significant amount of money. I was told that there were some late fees ( of which they seems to be more than it should be ), but even more so I was told it was the way the interest was accruing. I could not get a lucid explanation for how this " interest '' was accruing at such a seemingly inordinate way. I want to have this looked into, as I believe the customers are not being disclosed as to how the interest is being calculated or added on. I think that a refund or a reduction to balance is in order. Santander is very difficult to deal with and you get different explanation every time you reach out to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Javitch, Block & Rathbone LLC
State: IN

Complaint narrative:
I. Javitch Block and XXXX XXXX sent me a letter XXXX/XXXX/XXXX that they had been retained by XXXX XXXX XXXX XXXX XXXX. 2 ) notice of opportunity to contact within 30 days to dispute the debt, and 3 ) a statement they are a debt collector. The letter was delivered uncertified. II. I responded on XXXX/XXXX/XXXX. In the letter, I asked Javitch Block LLC and XXXX XXXX to validate the debt. The letter stated to respond to a specific Notary Public ( who would verify and validate receipt of said validation ) within 30 days. The letter was sent by certified mail and received by Javitch Block LLC on XXXX/XXXX/XXXX. III. I also pulled down my credit report and saw that this debt had been charged off. IV. I was served a lawsuit on XXXX/XXXX/XXXX by Javitch Block LLC and XXXX XXXX regarding this matter. This firm stated they were retained by XXXX XXXX XXXX XXXX XXXX. That claim is patently false, since the debt was charged off. If XXXX XXXX XXXX XXXX XXXX was still pursuing this debt, it would not be at this status, so this firm has made a false statement regarding its disposition on this matter. Further, this firm has stated they are a debt collector further down in the letter. This indicates that they obtained this debt as a third party debt collector. The statements made by Javitch Block LLC and XXXX XXXX in the letter are fraudulent and misleading and intended to intimidate. Further, Javith Block LLC nd XXXX XXXX has extended this fraud into court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 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: Progressive Financial Services, Inc.
State: AZ

Complaint narrative:
In XX/XX/XXXX I moved out of an apartment and I contacted XXXX to pay my balance due and cancel my contract. 5 years later in XX/XX/XXXX I checked my credit report and they are reporting me in collections. I was never notified by mail, phone or email and I confirmed they have had all my information on file.

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 2016-11-01 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Medical Business Bureau
State: IL

Complaint narrative:
This company is putting a delinquent account on my XXXX credit report, when it fact this delinquent account does not even exist. Their client, XXXX XXXX, used them to collect a debt that insurance paid, and they are inaccurately reporting bad data in my credit reports. I WANT THEM DELETED ASAP I believe that they might be under violation of the FDCPA for misrepresenting the fact I owe them money. I need them rectify ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation