vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: AL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX evicted my ex-wife while we were separated and I had relocated to another state for work. I had XXXX knowledge of the debt until now. On my credit report they have a judgement for {$2000.00}. There is also a collection agency trying to collect {$4100.00}. I am being told that I have to pay both of these and I do n't think that is legal nor fair. I understand I am responsible for the debt and I will undoubtedly pay it. However, it is not fair of them to double report on my credit. It is really hurting me in trying to live. I can not even find a place to rent. So I have to live with friends.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 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: I.Q. DATA INTERNATIONAL, INC.
State: AK

Complaint narrative:
I called the company to get verification of debt. Asked them to send to me in writing. They refused to, They told me that i disputed the debt, I told them i have never talked to them before so how is that even possible. They said once the debt has been disputed, i legally have to pay the debt for it to go away, and they legally do n't have to do anything. I asked them to remove the dispute comment, because i never disputed it. They refused and said federal law says they cant once its been disputed.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: ONLINE Information Services, Inc.
State: MD

Complaint narrative:
This balance of {$180.00} was supposed to have been paid for by a claim that I filed with workmans comp as to which it was not. Lastly, I never received a noticed in regards to this debt but just to clear I just paid the balance of {$180.00} on XXXX/XXXX/16. I am asking you to please remove this collection from credit so that I do not have any negative remarks because I take handling my credit very seriously. 
Thank you!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-12 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: SC

Complaint narrative:
I have had a loan with Check-n-Go for about six months.i pay them as best as I can, but lately I have had some financial hard times and some pay periods I have not been able to pay on time due to low funds from being out sick, XXXX. I contact the company to talk to them about my hardships to get assistance on making a double payment on the following pay period, but there is never any resolution with check-n-go.they continuously charge my bank account when no funds are available or before the designated due date of payment, and this causes excessive overdraft fees from my bank that makes it harder to pay the loan back, and even harder to handle my other household responsibilities.the interest is extremely high as well, and the company always claim im one payment behind and that is untrue.i feel like check-n-go is ripping me off.everytime I call its an argument with a specific representative. I have been a good customer and I 'm tired of the hassles.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I HAVE A LOAN WITH TOWER LOAN IN XXXX XXXX LA. I AND HAVING EXTREME FINANCIAL DIFFICULTIES AT THIS TIME AS MY HUSBAND HAS BEEN LAID OFF SINCE XX/XX/2015 AND I AM THE ONLY ONE WORKING. I HAVE BEEN TRYING TO PAY THEM AS MUCH AS I CAN EACH PAYCHECK. I AM NOT IGNORING THIER CALLS I AM IN CONSTANT CONTACT WITH THEM. AS I AM WITH MY OTHER CREDITORS. THERE WAS AN INCIDENT WHERE I WAS SET TO BRING IN A XXXX PAYMENT AND THE NEW MANAGER OF THE OFC INSTEAD OF CALLING ME CALLED MY REFERENCE AND TOLD HER ALL OF MY BUSINESS. HE TOLD HER HOW MUCH I OWED AND THAT IF I DID NOT COME UP WITH THAT AMOUNT OF MONEY THAT THEY WERE GOING TO SUE ME. THIS IS NOT THE WAY TO DO BUSINESS. THERE WAS NO REASON FOR THEM TO EVEN CALL MY REFERENESES. I XXXX AND I KNOW TGAT TE ONLY TOME YOU ARE TO CALL THE REFERENCES IS WHEN YOU CAN NOT GET AHOLD OF THE CUSTOMER. THAT IS NOT THE CASE HERE THERE HAS NEVER BEEN A TIME WHEN I HAVE NOT KEPT INTOUCH WITH THEM. THE PREVIOUS MANAGER TOLD ME HERSELF THAT SHE NEVER HAD ANY PROBLEMS WITH ME THAT I WAS A GOOD CUSTOMER. I ONLY STARTED TO HAVE TROUBLE PAYING WHEN MY FINANCIAL SITUATION CHANGED SO DRASTICALLY IN XX/XX/XXXX. AND I WAS BEGGING THEM TO WORK WITH ME. WHICH THE XXXX 's IN THE OFC WERE DOING BUT WHEN THE NEW MANAGER CAME ON BOARD HE DECIDED THAT HE WAS GOING TO NOT WORK WITH ME AND THAT IS WHEN HE CALLED MY REFERENCE. I DID FILE A COMPLAINT WITH THE COORP. OFC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This place calls me multiple times a day, sometimes mere minutes apart ; they will rarely leave a message. I 'm trying to work and my phone is constantly ringing. It 's a real disruption to my day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
i just do n't know who are they and why are they on my credit report please help me i just want this item to be deleted from my report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL
State: TX

Complaint narrative:
Synchrony Bank has for the XXXX time placed a late fee on our account, stating that the account # for our bank is incorrect and they were not able to apply the funds. 
We contacted our bank who verified that the account number was in fact right and thatthey had no excuse for not processing the payment. We get the run around from Synchrony bank, who seems to have a horrible reputation with customers. This bank is predatory and no longer should be able to feed off the citizens of this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: IN

Complaint narrative:
Upon checking out credit reports, my husband and I found a joint collection debt saying it is on behalf of an apartment complex we lived in. The collection agency has never contacted us in any format and neither had the apartment complex. We never received our security deposit back, but never was called or mailed a bill ... or contacted by the collections company ... who appear to have added more than {$100.00} in fees to the supposed debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
COLLECTION AGENCIES KEPT CALLING AND TRYING TO SKIP TRACE MY BROTHER ETC IN VIOLATION OF FCRA, FDCPA, TCPA

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Forthright Funding Corporation
State: CO

Complaint narrative:
First I received mailings from these people saying they would get me a 30 year mortgage at a rate of 3.25 % and skip XXXX mortgage payments, no out of pocket costs and my new payment would be {$1000.00}. Upon calling XXXX XXXX told me the best he could get me without out of pocket costs would be 3.75 %. and my monthly payments would be {$1600.00}. Also a return of my current escrow balance. As you can see this is nowhere near what was sent to me in the mailing. He called me back several times trying to sell me on this. I told him I wanted to see it in writing and I know that is required to be sent after 3 days of receiving a quote which is what was done over the phone. This was XX/XX/XXXX that I requested this. The last conversation with XXXX he got real rude with me to the point when I told him I wanted to see it in writing that I hung up as this is poor business practice. He told me sending me a quote was a waist of his time. I told him it was required by law.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc.
State: CO

Complaint narrative:
On my Experian credit report ( pulled XXXX/XXXX/2016 ), under the " Name ( s ) associated with your credit '' section, there appears a name that IS NOT mine. The name is " XXXX XXXX XXXX. '' This name does not belong to me and I DO NOT want it appearing on my credit report.

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 non-monetary relief
Consumer complaint received 2017-01-02 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Scott Lowery Law Office, P.C.
State: CO

Complaint narrative:
XXXX XXXX 2016 received a letter from XXXXScott Lowery P.C with alleged amount of debt of {$4600.00} I owe XXXX XXXX and XXXX. Checked my credit report and didnt find any of them there. On XX/XX/XXXX2016 sent XXXXScott Lowery P.C notirized letter of demand for validation. Certified mail indicates it was received by XXXX XXXX on XX/XX/XXXX2016. Havent received anything. But XX/XX/XXXX2016 ( sunday ) a courier called me and handled me summons for court. Tried to contact XXXXScott Lowery P.C ( XXXX XXXX, # XXXX ) to find out what 's going on. Left voice messages. No answer. XXXXScott Lowery P.C sent me new paperworks trying to get me signed. Have copies of all paperworks.

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 2017-03-29 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:
We have XXXX different loans with Tower Loan - XXXX with the office in XXXX, MO, the other with the XXXX, MO office. We are in financial trouble and I sent both a letter last month that we have hired an attorney to explore our options. It states to contact the attorney and not us. XXXX was the first month that we did not make a payment. The XXXX office sent us a right to cure letter, the XXXX office is calling us multiple times per day and threatening to take the collateral from us. The manager XXXX yelled at my husband.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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: NY

Complaint narrative:
I never have had any credit cards in my life ever. This is completely id theft. I never applied any credit cards what so ever.I am a female with XXXX children 's and I never have had any job to support the credit cards payments etc. am house hold women.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: City Enterprises, LLC
State: TN

Complaint narrative:
did not receive any notice or validation of debt notice from this company. i have not received anthing not even a phone call from this collection agency my employment and address is the same and has been the same for several years now.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This original credit card issued through XXXX XXXX XXXX account # XXXX in the amount of or close to {$90000.00}, has had no correspondences, payments and or activity on it in more than 6 years and the time statue in Ca at this time is time should qualify for collection agencies listed below NOT to be able to pursue any legal remedies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: OH

Complaint narrative:
I received correspondence by a debt collector to collect a debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: TekCollect Inc.
State: SC

Complaint narrative:
Tek-Collect, Inc and XXXX XXXX, Initially disclosed the wrong amount and date of the bill, and while I was verifying the amount with my dental insurance company sent this to Tek-Collect , Inc., a collection company with a very poor reputation. When I tried to pay the amount owed, I was told I could not. When I contacted Tek-Collect, I was told by the representative and supervisor that they would rather have this on my credit report to harm my credit, than actually receive the money. This is REPREHENSIBLE!!! These collection companies are more interested in harming consumers than receiving payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Inquiring are there any options after charge off credit card debt XXXX ( approximately XXXX and XXXX years old ) I am still truing to check my records for statements and receipts. The debt is being disputed once Calvary SPV LLC transferred to a DEBT Collection Attorney are there options to resolve without Court Action by the XXXX and XXXX? Less than 6 months after settlement offer Calvary SPV LLC. transferred or sold charge off to an Debt Collection Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: WI

Complaint narrative:
My mortgage, XXXX, was resold by Lenderlive to what appears to be another Lenderlive company under XXXX XXXX XXXX. With that change I had to create a new user ID and PW to their online site, I have lost all history of my previous account and there is little to no supporting information for my loan. On top of that I received a check in the mail for {$280.00} on XXXX XXXX, 2016 indicating I had an overage for my escrow. I know there have been NO measurable changes to my property taxes, home owners insurance nor have I received any info on my PMI changing. Since I did n't think I had an overage I did n't want to cash the check. I logged into my online account view and I noticed my XXXX payment has increased by {$130.00} a month. I have received NO INFORMATION on why my payment increased. I called and was told someone did an escrow analysis and that " must be why '' but no one could give me details. How could I get an overage check but my payment go up? I have also asked for information in writing which I have not received. I can not see any escrow details online, I ca n't see what they used for my escrow analysis and I was told " we have a right to take a 2 month escrow cushion so we must be collecting on that ''. I have had my mortgage open for over 3 year with an escrow account that has not changed. How could they now call due 2 full months of escrow payments out of no where. Doing business as Lenderlive, but under a XXXX name should n't allow Lenderlive to collect more money from me. I have NEVER missed a payment and in fact I pay extra to principle every month. Now I am told I owe {$1500.00} MORE to my escrow when there was no change to any of the taxes or insurance I owe. I have asked for information in writing which I have received none and I have sent a letter via 'contact us ' within my online account access and I have not had any response in over a week. I would expect to get detailed information on my escrow account, I expect my payment NOT to change unless I owe more to my insurance or taxes ( which would n't change that much ) and I would expect to have my details available within my online account access. All of my information is up to date in my account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Went to a bank PNC yesterday but day before yesterday I went to store, on XXXX #, XXXX XXXX XXXX ) XXXX ) XXXX at XXXX branch I had {$180.00} XXXX yesterday told at XXXX Branch I had only {$34.00} (? ) XXXX $ (? ) Left, I already have other disputes pending and corrupt fraudfilled, deceitful, XXXX, insurance went in electronically allowing them PNC bank to did to do so I 'm alleging PNC bank Is " intentionally fraudulently delaying the " Actual '' funds money availability to my account knowingly " knowing XXXX will spend innocently later funds that I do n't have availavlble.like if I put {$120.00}, in on XXXX on wed with XXXX, using My cash then my XXXX check cones in say '' on Friday, XXXX, is alleging that I 'm negative {$120.00} its fraud n that 's wat I 'm reporting also discrimination vs XXXX etc, XXXX, on loans of any sort with the bank I 've called corporate n filed cfpb greviancies n heard zilch from anyone.I do n't owe XXXX zilch they were just electronically imedialty paid earlier between XXXX # & XXXX # of XXXX debts r owed.as I have to call the stfarm branch on XXXX # XXXX # &, ,to suspend bank payment cuz, my ssi checks are n't avail, til XXXX $ XXXX, XXXX electric payment scam " Picks up as a debt collector '' without disclosures, without a debt license to collect, without warnings of, to consumer of what 's owed allegedly, minus, what XXXX operators r bogusly, telling us customer 's oon calls that " were good ''! Etc, when really they purporting people owe them double months or else is actually vs public policy n break several deception acts n statutory laws under insurance regulations.XXXX, this bank must be shutdown as a failing bank with nothing to offer, no bankers, n account fraud theft n money mismanagement n racism vs XXXX, I demand full return for my coffee mate, n my previous earlier this month dispute n my XXXX cash so I can part ways, After '' I file civil rights actions vs this bank for Ada violations

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 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: Alliance One, Inc.
State: CA

Complaint narrative:
I had a citation dated XXXX/XXXX/XXXX from the XXXX, Ca traffic court the Docket XXXX i went to court on XXXX/XXXX/XXXX in which the court reduce the ticket from {$520.00} to {$320.00} which i paid at the court house and on the clerk docket and minutes it stated driver license hold to remain until sentence satisfied.So on XXXX/XXXX/XXXX Alliance One went into my husband bank account with court order that i had no warning of and took {$450.00} causing my husband bank to go into the minus of {$320.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 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:
There is an account listed in collections with XXXX for {$130.00} that has no company name or contact information listed. They list it with account number XXXX. Date opened XXXX/XXXX/2016, last updated XXXX/XXXX/2016. I have no idea what this is and who is responsible for placing this on my credit report. In comments it states " Medical ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I attended XXXX University from XXXX, I got financial aid to help pay for tuition and stuff. XXXX issues students debit cards to load the unused balance from the student loans into the card. I decided to not attend school anymore and dropped my classes. Last year I got a letter from XXXX saying I owe them over {$3000.00} for the renaming portion of my loan. I lost my debit card soon after I dropped my classes and I never took the or received the {$3000.00}. I tried to explain that to XXXX and they told me too bad and referred to a collection company. I disputed the debt with the collection company and the collection company could not verify the debt and stopped collection activity. It 's been a few months since they could not verify the debt and now I get another letter from a collection company stating I owe the debt again and if I wanted to validate the debt I can but a lawsuit will begin if I ask for validation again. I was under the impression that once the collection company can not verify the debt all collection activity stops. Am I wrong? What do I do?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation