vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ONLINE Information Services, Inc.
State: MI

Complaint narrative:
I had received a phone call I called back and left a mmessage because he was on lunch. He called me back I asked if I could set up a payment arraignment I was told he would see what he could do I offered XXXX by the XXXX and I 'd do more each mnth after that. He declined and came back with XXXX by the XXXX. I informed him I could n't come up with that and asked to speak to a manager. The manager told me he did n't have to offer me any payment arrangements and so I got upset and asked to speak to his boss. I was falsely informed that there was no one else I could speak with that I had to write the president himself and wait for a reply. I got XXXX and used a little bit of profane language and told him there had to be someone else I could speak with and he said no and hung up. I called back XXXX got hung up on XXXX more times before I spoke to another manager. This manager told me that he did n't care what was said by the other manager I was talking to him now and so I said well then I need u to set up my payments so this does n't hit my credit like ur threatening. He then said I do n't have to do anything but I can. I said no u need to set this up for me so it does n't hurt my credit. Again he told me he did n't have to do anything but he can and hung up. I called back a final time in tears at this point cuz they are threatening to hurt my credit yet not set up a payment plan for me. I got the first manager I spoke to in the first place and he told me when I call to complain make sure I tell them that he set up my payments when the law would n't make him so he did me a favor even tho he did n't have too. I spoke to XXXX Id # XXXX. XXXX id # XXXX and XXXX I did n't get his id number. I was also informed that they have been contacting me multiple times that was thrown in my face and this was the first time I received a call and called right back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Unsolicited debt collection company called my cell phone by a private number. Did not leave number, only left a message stating that I was to be " legally '' served by original pay day lender for fraud. Then proceeded to call my sister 's cell phone number telling her that I am being sued for bounced checks from Check 'n ' Go. And that I am supposed to sign some papers by XX/XX/XXXX by a processor from XXXX XXXX in XXXX, CaXXXX There is no such company in XXXX, XXXX. Some man on the phone gives me a claim number and weird ( XXXX ) XXXX from XXXX, XXXX to call. So I am talking to someone by the name of XXXX. He proceed to tell me that I owe Check n Go XXXX plus more interest of 22 % and not the original balance of XXXX. He went on to say that if I do n't pay them that I will have my wages garnish for 1000s of dollars. And that it will appear on my public records. He then sends me an email stating that I must sign for credit card authorization to pull funds to pay down the debt of XXXX to XXXX. So, me not paying attention to my intuition. I foolishly told him my paydays and when I would be picking up my check and signs the papers back into the email. Um, I have given this third-party company my bank debt card info, they have n't withdrew any money yet from my account because there is no funds available. I have been trying to work out a payment plan with the original creditor this month so I found this pretty fishy to begin with. Anyway, I went ahead and called Check n Go and told them the problem. They told me that never sent out any legal action against me, but only sent my account to another collection agency which still had my information. They also told contact that agency who has my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
MAS Financial claims I owe them for lapse of insurance. I have provided them with my policy from last year and this year ( renewal ) and it shows no lapse in coverage. Their machine calls me at least 4-6 times a day. When I do speak to a representative they confirmed they have received my documentation and is under review. Their machine still calls me and when I asked them about it they said it was a machine and they will take care of it. Needless to say calls are still coming is and is very annoying.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
We have been charged overdraft fees on our interest personal checking account on three different occasions over a period of four months. At no time on these three occasions was our account overdrawn. I log onto our online banking everyday and constantly monitor our activity. A printout of the most recent {$36.00} overdraft charge is attached. You can see that at no time did our account have a negative balance, but PNC charged an overdraft charge of {$36.00}. How can a bank charge an overdraft fee when the account to which it is charged does not have a negative balance? I think this is grounds for an investigation into a class action lawsuit. This has happened to us three times, and I 'm sure it has happened to other PNC consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My first one was modified under the government program by XXXX in 2011. Immediately after that I filed a modification request with my then bank, PNC mortgage. PNC mortgage, instead of doing a loan modification under the government 's XXXX program, they just kept asking me for a lot of paperwork over and over again. After fulfilling all of their requirements and demands, they sent me a settlement offer asking me for a 25 % amount. I contacted them and told them that, that 's not what I asked for. I asked for a modification under the government program. after yelling at me for not taking the 25 % settlement offer, they finally asked me to re-file my paperwork for the government 's XXXX modification. The process started all over again. They requested all kind of paperwork. I fulfilled all of their demands. After waiting for a while ( 90 days ) they told me that the paperwork that I send them has no expired and I would need to file again. and I complied and do that again. This process repeated several times over the course of one and half year. after doing his own and over again, I received a letter that they have transferred servicing of my loan to another service. I tried very hard to work with them just as previously I had worked in XXXX XXXX and PNC mortgage bank. 

My loan is still owned by PNC bank. However after trying for so many years I have never gotten any review under the federal government 's XXXX program for home equity line of credit. Currently, XXXX of the collections agency, XXXX, is trying to foreclose on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
alliance one accepted my amnesty payment even though all payment were to go through XXXX they mislead me to think i was able to participate in amnesty program even though they new i could not

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I opened personal & business accounts with PNC Bank for over 6 years without any problems or issues. I have recently revived a letter from the bank which informed me that my XXXX personal & business account will be closed on XXXX XXXX. 2015 without any explanation to given any reason. Therefore I contacted the bank 's Underwriting department over the phone, and asked them for the reason, but they failed to give me any information about the reason for accounts closure. I decided to stop by my local branch and I asked them to give me the reason, they too did not give me the reason and they claimed that they could not disclose such information. As a legitimate customer / consumer I do feel that I have a full right to know what did I do wrong to be dropped out from PNC Banking services, therefore I 'm requesting your authority to help me find the reason so I could understand it and to keep for my own references. 
Thank you for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PNC Bank N.A.
State: WA

Complaint narrative:
PNC began non-judicial foreclosure on a loan originated by XXXX Mortgage. XXXX XXXX XXXX, on behalf of PNC, is relying on a hearsay beneficiary declaration to claim it has the note. I questioned that based on official comments from the Florida XXXX XXXX stating notes are digitized and then destroyed. XXXX XXXX XXXX at XXXX claims he spoke with PNC 's counsel regarding my concerns but refuses to ID PNC 's attorney.

Company response to consumer: Closed
Consumer complaint received 2015-06-01 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I was advised by the Internal Revenue Service that my social security number and other confidential information were compromised. Sometime in XXXX to XXXX my personal details were stolen and have been used up to XXXX XXXX when a security alert had been placed on my credit files. These fraudulent accounts range from medical ; utility accounts and credit card accounts and must be deleted from my history. I forward the details of these accounts in question and a copy of the Identity Theft Affidavit and I have had no response from both the credit bureaus and the creditor/collections agent.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MN

Complaint narrative:
I have a loan that was originated by XXXX, which was recently purchased by PNC mortgage. I asked both XXXX and PNC to terminate the PMI from my loan since it is under XXXX % loan to value. Both refused even though I am current on my payments. XXXX sent me a letter saying that they were required to terminate the PMI after my loan reached XXXX % loan to value. This was during the sale of my mortgage. Shortly after that I called PNC to request they end the PMI, PNC sent me a letter saying I was XXXX % loan to value, but said to remove the PMI I 'd have to pay {$500.00} for a new appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
This is not my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Credit card — 
Issue: Sale of account — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I am so displeased with this company care creditXXXX. Learned that care credit is not for everybody. Care credit has deceptive credit card marketing and sales. I have an active care credit account with this company. When signing up for the care credit, health care representative signing my mother and I up never explained about how care credit works nor told us about the reoccurring monthly interest that would be happening after promotional period had ended. My mother and I was not informed that care credit is in fact a credit card and never received our enrollment paperwork from this company when first signed up. The representatives told us this was the only option to pay for our expenses at the emergency XXXX hospital. Pressuring vulnerable, naive and helpless individuals at the time of need to sign up with care credit because it 's there only option is not right. The health care receptionist only relied on the pamphlets and did n't seem trained upon care credit procedures and policies. I have contacted Care credit on numerous occasions about this to only get no real help at all from customer service and management. 

Care credits late fee policy is flawed in many ways as well. Even when you send in a post dated payment with this company they will not go by post date, but whenever they choose to look at the mail will be the date posted to the account. This can be very misleading for clients when sending in payments because its not our fault that mail carrier methods can be delayed at times. I had to contact the company XXXX about this matter to only resolve the issue by the manager about the late fees occurred during those times that it was mailed before due date and was posted after due date to only receive a late fee without knowing. The managers waived those late fees that occurred and I have never been late since then. 

I have even did research on the credit card company Care CreditXXXX and I have found that my situation is happening all over and has happened to many in the past. Why do care credit keep doing this to there customers. I have also become a victim of care credit deceptive ways and poor trained staff upon enrollment process at the time. If I was to have known that this companies ethics was like this I would of avoided it at all cost. The way I have been bamboozled to borrow money from this company is not right. It 's a shame that I feel stuck with a company like this that has many deceptive ways. Why does most car loan companies only charge you a XXXX time interest fee upon your borrowed amount, but care credit choices to charge you over 25 % interest every reoccurring month ridiculous scheme.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: SYNCHRONY FINANCIAL
State: CA

Complaint narrative:
I have been unable to redeem my XXXX reward points from PayPal Master Card/Synchrony Bank using their online awards page link which does not work. Selecting, cash, gift card, travel or merchandise all lead to a web page with two boxes : CONTINUE or CANCEL. 
Selecting CONTINUE has no effect at all. I reported this to Synchrony Bank customer service by telephone on XXXX/XXXX/2016. Customer service advised me to wait until I accumulated XXXX reward points, then redemption would be " automatic ''. ( Information I believe to be incorrect ). My XXXX PayPal Extras Master Card paper statement informed me that my XXXX reward points expire in XX/XX/XXXX2016. I contacted them again about this issue on XXXX/XXXX/2016, this time, by emailing them at the PayPal Extras Master card secure message center. They have neither acknowledged nor responded as of XXXX/XXXX/2016. 
Hence this complaint.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-21 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL
State: FL

Complaint narrative:
I had an open credit card through Amazon cards. I received a letter one day that Synchrony Bank closed the account not because of late payments or defaults, but because they had done a random check of my credit and discovered that there were late payments for student loans ( which were my niece 's and some had forged signatures on ) and opted to close my credit card with Amazon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL
State: MD

Complaint narrative:
hhgregg / Synchrony bank / GE capital involved in predatory lending when they sold me home appliances. They labeled their lending as interest free. They never send me any paper statements showing that they were charging me interest. Lender asked me to provide my bank account number so they can setup automatic payments, and promised me that they will not charge any interest when I gave them my checking account number. 
they have charged me XXXX in interest over last 3 years and I sill have half the outstanding balance. Lender used tricks in me thinking that I was not paying any interest by not sending any paper statements. 
I am requesting full refund of all the interest I have paid in this account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-04 00:00:00
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Billing dispute
Company: BARCLAYS BANK DELAWARE
State: IL

Complaint narrative:
XXXX - Barclays Declined Dispute / negatively affecting credit score. 

Intially, I was charged {$120.00} for consulation, we were very hesitant because there was no real sign of them being licensed, no medical staff were present & provided no business cards at all. My appointment originally was with a female doctor but she apparently was n't around & another male doctor was available. My husband asked for proof of credentials or certification & was he a board certified plastic surgeon, he would not present anything. After all this, we were n't comfortable going ahead, could not trust this company and walked out. My husband told the receiptionist, XXXX, that we do n't want to go ahead with the procedures and would like our account credited for amount they took in advance. She told us the XXXX XXXX accouting office is closed, she will call the office on Monday & so did we, to get the full refund returned. My husband spoke with XXXX XXXX from their accounting department in XXXX about the refund & XXXX emailed in writing a confirmation that the refund process has been intiated on XX/XX/2010. Nothing was refunded to my original credit card for the {$4000.00}. We called again but were told XXXX XXXX was no longer with the company. 

I contacted my credit card provider, Barclays, about what happened & numerous disputes against this charge and XXXX. Barclays were very unhelpful and refused to accept my genuine, legitimate request.

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 2015-11-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Conn's, Inc.
State: CA

Complaint narrative:
Continuous calls during the week and weekends. I get calls on Sunday morning even. I told them it 's not my debt and to stop harassing me and the calls continue. Calls are from Conn 's store debt collectors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BARCLAYS BANK DELAWARE
State: WA

Complaint narrative:
XX/XX/2015, a credit card was opened with this lender using my social security number and date of birth under a different name that is not mine nor a name that I have ever gone by. I found out this past week that I became a victim of identity theft and have since contacted this lender and XXXX, XXXX and XXXX to flag my credit file for fraud. I have never had an account with this lender.

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 2015-08-01 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SYNCHRONY FINANCIAL
State: MA

Complaint narrative:
I opened a savings account on XXXX XXXX with Synchrony Bank. My first statement, covering the period through XXXX XXXX, reported an average daily balance and an earned interest that were substantially lower than my calculation. I called the bank three times to inquire about this. Each time, representatives quoted the same method for calculating the average daily balance as I had been using ( " add each day 's balance and divide by the number of days in the statement period '' ), but were unable to address or account for the numerical discrepancy. On each of the three phone calls, the representative assured me that a person able to address my concern would call me back in the next 3-5 business days. No one ever called me back. 
There were no discrepancies in the calculation of the average daily balance or earned interest for the following statement period.

Company response to consumer: Closed with explanation