vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-28 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
The CFOB has to put an end to the practice that allows debt buyers such as Cavalry Portfolio Services to post collection accounts on credit reports as well as the original creditor. The FICO scoring systems make no distinction that this is the same account that has been paid, they view it as XXXX separate derogatory accounts. Cavalary is reporting a derogatory collection account and the original creditor is reporting a charge off. So according to the FICO scoring systems there are XXXX derogatory accounts instead of XXXX. You have to put an end to this practice of doubling up on the damages. XXXX has refused to delete their derogatory trade line even after they were paid! I never had an account with Cavalry, I never broke a contract with Cavalry, I never had any kind of business relationship with this company. They paid pennies on the dollar for this account hoping to make a huge profit, which they did! And now even after they are paid and made a huge profit they want to continue to damage my credit for the next seven years. That is absolutely insane. 

You need to reign in these debt buyers and stop letting them report the same account multiple times. If Cavalry buys this debt then the original creditor should delete their reporting. It is crazy that these debt buyers are allowed to get away with this and destroy peoples FICO scores in what amounts to an extortion racket to coerce more money from consumers. Then even after they are paid they continue to damage FICO scores, causing thousands of dollars more in interest payments. 

I demand that Cavalry delete their negative trade line from all of my credit reports and you need to take a serious look at putting an end to this practice industry wide.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Podium Mortgage Capital LLC
State: CA

Complaint narrative:
I reached out to XXXX XXXX at XXXX Mortgage Planning in XXXX XXXX, CA inquiring about a mortgage loan. He was referred by a co-worker and has familiarity with my positions pay structure. I had yet to file my XX/XX/XXXX taxes and asked if he could look over my financial information to let me know what was possible for a mortgage. I specifically told him I was not applying yet but as he was referred, wanted to have a discussion about my numbers so I could decide if I wanted to increase/decrease my XXXX deductions. We specifically discussed that my SSN was not needed at this time as I did not want my credit run. I uploaded my financials including XX/XX/XXXX filed tax returns and XX/XX/XXXX draft tax returns into their 'cloud ' for his review. The next morning XXXX called me letting me know that I looked good for 'X ' dollar amount of a loan and had a great score at XXXX. I asked why he knew my score as we had talked the evening before about NOT pulling my credit. He apologized strongly and said the good side was that we would not need to run my credit again. He apologized again saying his staff automatically pulled the information and ran it. I told him as manager of his office he is responsible for managing his staff and that he had assured me we would n't run my credit yet. Of course I had not blacked out my SSN on my taxes, so he secured my information from there. Bottomline : XXXX did NOT secure my permission to pull my credit. In fact he was specifically instructed NOT to pull my credit. I want the record cleaned up from my credit score with all XXXX agencies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT RESOLVE GROUP LLC
State: NY

Complaint narrative:
The tactics of this agency are beyond deplorable. Their reps XXXX XXXX and XXXX XXXX have 1 ) Told us to send them a post dated check when we told them the funds were not in our account. 
2 ) Asked us the names of the clients and amounts we are waiting payment from in order to pay the debt. This is a violation of confidentiality. 
3 ) Have continued to harass us with phone call after phone call even when we have told them we are waiting for a check in order to pay this debt. 
4 ) Have threatened us repeatedly with lawsuits and so called " final straw '' warnings. 
5 ) Have made nasty, condescending and wholly unprofessional comments towards our staff. 
6 ) Misrepresenting information to our clients and vendors 7 ) Misrepresenting what our bookkeeper told them

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I have a line of credit with PHC Bank and on XXXX XXXX, i went on line and submitted a {$300.00} payment from my checking account to my XXXX line of credit. I made a mistake and submitted to an account ending in XXXX. I called the bank on XXXX XXXX and was told that yes they received the payment and it was posted to loan account XXXX and it would take XXXX working days to make the correction and redirect the payment to my visa line of credit. I have called several times and was told they could not find an account ending in XXXX. I called again today and after speaking to the credit department loan department and someone in customer service I was told that it would take 10 days for them to research, find the payment and credit to my lline of credit. I told them this would probably cause them to charge me additional late fee and interest on the payment. They indicated that since it was my fault by posting to the wrong account that if extra fees were charged that was my problem. I then stated that I sent the payment XXXX XXXX and the payment was not due until XXXX XXXX that even though it was posted to the wrong account why would it take so long to correct to the proper account which is the line of credit. I asked was it because they can not locate the XXXX account where they said it was posted. I feel that I am getting the run-around and they can not locate the {$300.00} payment now even though I was told that it was posted to XXXX and now they say they can not find an account ending in XXXX Need your help in resolving this issue. Thanks XXXX XXXX My desired resolution is for PNC to locate {$300.00} payment, post to my account and not charge additional interest or late fee as I did get the payment to them on time and they should be more careful in looking at account numbers they should have realized that loan number XXXX had been closed for years so why post a payment to this account.

Company response to consumer: Closed
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
A credit report was obtained and there was a charge off auto loan from Alphera Finanical Services reporting. The information was not complete so disputes were filed with all XXXX reporting agencies. After several unsuccessful attempts with the bureaus to try and get this information I sent a direct request to the company asking for validation and evidence of what they are reporting to the bureaus. They responded with an acceptable letter stating that they would not send information to a 3rd party. I AM NOT A THIRD PARTY. I am also unclear how with their correspondence stating " IT IS OUR POLICY TO ONLY RESPOND TO REQUEST SENT DIRECTLY BY OUR CUSTOMERS '' are the credit reporting agencies able to obtain validation of this since they are a THIRD PARTY.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: PNC Bank N.A.
State: PA

Complaint narrative:
As I attended the University of XXXX in XXXX PA between the dates of XXXX to XXXX, I had to take out a combination of loans, both private and federal. The school was XXXX of the best schools I got into and I did n't have the best grades in high school so when I got accepted and started attending the only thing I cared about was staying there and graduating, which I did and I am very proud that I have. However, the tuition there exceeded the amount of money the Federal Government would grant me in loans, thus I had to take out pricate loans through PNC bank to support the remaining costs. In the end I had about XXXX of private loan debt and XXXX of federal loan debt. The XXXX I have to pay a very high amount, almost {$500.00} per month and I can not change that number, can not refinance, can not renegotiate, and am powerless also on the interest rates since they are variable. I do not make a ton of money each year and in combination with my federal loan monthly fees, the total is over {$700.00} per month in just loans. I work in the XXXX, so I dont make a lot of money. The only options outlined to me was that if I wanted to get a new monthly payment, a lower one, Id have to take out a personal loan through a bank. They would not approve me for a loan of XXXX unless I had collateral, like a house or an expensive vehicle. Ive contacted private institutions, like sofi loans and the quotes of their interest rates are unbelievable, XXXX and up. Id be paying over XXXX if I took out a private loan per month. I am stuck. I find ways to work XXXX jobs to stay afloat and the downside is that if I make too much money then my federal loan payments go up since Im on the IBR and would leave me paying close to XXXX per month in just loans. I find it unfair that students are being put into situations like this because they attempt to get a good education. I went to school for 7 years and at times I wonder if I just stayed out of school maybe Id be a XXXX making close to what I make now an hour, its depressing. Its not fair that the private loan companies take advantage of uninformed students and lock them into loans that are VIR ( variable interest rates ) and despite me paying them back since the end of 2012, never missing a payment mind you, they dont offer me any other possible change to the repayment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
PNC Mortgage Servicer, hired XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ), including but not limited to XXXX attorneys, any to act, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and notary XXXX XXXX XXXX, to stole my home in XX/XX/XXXX I had filed complaints with many agencies, including CFPB, FTC, Texas Attorney General, the trustee for my property, XXXX XXXX XXXX, the law firm, XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ) that PNC hired to steal my home. My image was slandered in the public with a notice of acceleration posted XX/XX/XXXX by attorneys for XXXX, stating they were substitute trustee ; yet it was 7 days later, XX/XX/XXXX, that XXXX XXXX by self appointment, recorded an APPOINTMENT OF SUBSTITUTE TRUSTEE document into the public record. XXXX XXXX is the Trustee on the Deed of Trust. There is no beneficiary. 

XXXX can not perform an act they have no authority to perform. This was the beginning of my nightmare into theft of property by court process and with people pretending to hold a public office but have no oath of office to the public. 

I and my youth were dispossessed, we fled in fear, XX/XX/XXXX, because Judge XXXX XXXX, no public servant of mine, in XXXX County, completed a Writ of Possession and in that writ were instructions for a man with a XXXX to have XXXX XXXX permission to " XXXX and my possessions '' to remove us from the property. 
Where XXXX XXXX had the authority to give a man permission to harm XXXX and my property, I do not know and never consented to her purported authority to steal from me using the business of her court room. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I dispute the PNC Mortgage entry on my credit report of a debt for {$130000.00}. 
When the home was stolen, the claim in the notice of acceleration was {$120000.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PNC Mortgage responds the account closed paid in full, never late, date of status is XX/XX/2007 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have the note marked Paid in Full, that I received from National City XXXX ; I was forced to leave it to leave my property due to the deceptive practices of PNC employees and the employees of law firm, XXXX, including the fraud foreclosure action, all unconscionable actions of PNC employees and the employees of law firm XXXX 
The law firm employees are recorded with the public in the XXXX County court, the law firm employees, have the names of the PNC employees that initiated the theft of property by constructive fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I recently found out that I had a " 60 day late '' on my loan. This came from when PNC bank took over servicing my loan from the previous company. I have always been an auto pay customer with perfect credit. The PNC takeover undid my auto pay, and due to a mix of poor communication and confusion, my first XXXX payments with PNC were " missed. '' The second it was clear what happened I talked to an agent. She said that she understood the situation, that these things happen, and that there would be no late fees ( I took this to mean we were all set and I was in the clean ). I immediately sent an electronic payment for three months worth of the mortgage and set up a new auto pay. Throughout this whole period I had about 20-30 times the monthly payment available in my checking account. 

Once I discovered this issue I went though a couple of unhelpful calls with the bank before being told I had to submit my story in writing to request a goodwill or courtesy adjustments. I submitted a long letter documenting the whole story and showing my auto payments in the months before they took over and after. I also shared with them my account balances throughout this period. It would be clear to anyone who took the time to read or think what happened and that this whole situation was confusion over auto payments. 

After about two or three weeks they replied to my XXXX page letter full of documentation with a XXXX sentence form letter that offered no indication that they even considered my case. They simply denied my queries and declared the case closed. 

Their communication through the period has been horrific and the complete inability to talk to anyone who has anything to do with the credit agency reporting extremely unhelpful. I ca n't say enough bad things about them. I am a sophisticated person with a XXXX and no actual financial problems at all. I ca n't imagine how they must abuse and take advantage of other folks who are no so lucky and do not have the time or resources to pursue complaints. 



sent an electronic payment for three months worth of payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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:
I found this bank online looking for banks located near a town I was moving to. 
I signed up for a Virtual Wallet account ... 
Which has turn into a performance account that has cost me money since DAY one! 
Unfortunately, due to recent moves and a lock out of my email ... 
I have had no access to this account since day one. 
I have called numerous times trying to close this acount. 
I was told I had to dive to a branch to close in person. 
I looked up the nearest branch online .. And surprise! 
It 's a garage. It was a XXXX hours drive for me. 
Sure that address is not online now? 
But I was upset because I was told that was that only way I could close my account. 
I have called many times in between, each time they tell me I have to complete something to verify the account? 
BTW I do n't have account information because I have NEVER been able to access the account from the moment I set it up. 
Noe I find out I 'm in a performance account? That I did not sign up for? 
and it 's costing me money every month? 
Who does that??? What kind of banking is this??? 
Please help??? I 'm very upset? 
They did not earn this money??????? 
I feel like I have been robbed!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: KS

Complaint narrative:
I paid an auto loan off through PNC Bank on XXXX XXXX, 2015 and put a stop payment on the auto pay through XXXX on XXXX XXXX, 2015 but something went wrong and XXXX paid a XXXX payment to the acct that PNC says was closed on XXXX XXXX. PNC says they never received it, that it was automatically rejected and XXXX says they have no record of this rejection and do n't have the money. PNC says they have no escalation process because it was never received and XXXX says they ca n't escalate until they have something from PNC. I know every time money electronically transfers it goes through the Fed Reserve and has a Fed number to track but all parties refuse to look into it. {$720.00} is n't a huge amount of money for some people but it 's XXXX and I do n't have any money!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
My bank consistently finds new ways to charge new fees. I am constantly checking my account because they attache fees that do not belong on my account and refuse to reimburse the fees and never give me a straight answer as to why the fees were applied even though my accounts are suppose to be exempt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
The rudest, most unprofessional people I have ever dealt with in my life. They call me about a bill from 2 years ago that 1 ) I never even received 2 ) Was settled in FULL. After confirming with the hospital and insurance that it was paid in full, this collection company says I still owe them money when I do not! And had the audacity to report it to the credit bureau! They say I still have to pay them, complete thieves.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank frequently sends me letters soliciting me to apply for an unsecured installment loan. On XXXX XXXX, 2016, I did apply, by telephone. Two days later my application was declined. My complaint is that if this bank does not want to make me a loan, then do not bother me with their stupid solicitation letters. The marketing department of PNC Bank should only send letters out to those individual that they are prepared to give a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: TX

Complaint narrative:
They continue to call me for a debt collection for my son which is n't even a debt. They said it was for XXXX but he has paid everything he owes to XXXX and has a toll tag that auto debits from his bank account! And actually XXXX said they did n't turn his account over to any debt collector! So I asked them to discontinue calling my house and now they still call but no one talks. Just silence!! It infuriates me because we run to answer the phone for this!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
BMW FINANCIAL IS REPORTING A CHARGE OF ON MY CREDIT REPORT AND AGRESSIVELY ATTEMPTING TO COLLECT DEBT ON THE VEHICLE THAT i RETURENED BACK IN 2011 AND WAS TOLD THAT NO BALANCE WAS DUE FROM ME DUE TO THE FACT THAT THEY WERE XXXX TO RESELL THE CAR AND I PAID ALL THAT WAS DUE FROM ME TO CLOSE THAT ACCOUNT. SEVERAL YEARS LATER I DISCOVERED THAT MY CREDIT REPORT HAS A CHARGE OFF FROM BMW FINANCIAL FOR {$6700.00}. I CONTACTED BMW AND AFTER 7 MONTHS OF CALLING AND WRITING TO THEM ( i DO HAVE A PROOF OF MAIL SERVICE TO BMW ) THEY FINALLY RESPONDED WITH THE LETTER STATING THAT I STILL OWED THEM {$790.00}. HOWEVER WHEN I CALLED TO PAY I WAS DEMANDED {$6700.00} AND THEY DID NOT AKNOWLEDGE THE LETTER ... THIS HAS BEEN DAMAGING MY CREDIT FOR YEARS AND I STRONGLY BELIEVE THAT BMW HAS VIOLATED FAIR CREDIT REPORTING AND FAIR CREDIT COLLECTIONS ACT. I 'M HAPPY TO SUPPLY ANY AND ALL SUPPORTING DOCUMENTATIONS AS NEEDED IN THIS LEGAL PROCEEDINGS

Company response to consumer: Closed with explanation