vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: PA

Complaint narrative:
I started receiving telephone calls on my cell phone all through out the day with regards to a debt which I do not owe. I have requested validation and to discontinue contact. I continue to receive telephone calls from IQ Data International, regardless of the continued request to not contact me. Additionally, I have sent them a validation request in writing and they have not done so, however, have marked my credit report as disputed. I am being bullied by this company, despite continued request to send me any information that states that I owe them money. It has been almost two months since I have requested the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC
State: FL

Complaint narrative:
I have been contacted by new loan servicer stating I am in flood zone and that I must purchase flood insurance or they will purchase for me at high rate. When I purchased home I was told flood insurance was not required, was told flood cert was completed. Now new mortgage servicer state I have to have flood insurance. I have requested the documentation from servicer showing I am in flood zone, they do not respond to my request. 360 Mortgage is the new loan servicer.

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 2015-07-30 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: CA

Complaint narrative:
Good Afternoon, On XXXX XXXX, 2015, I received a notice from my current mortgage company informing me that my loan was being sold to LenderLive Network , Inc. effective XXXX XXXX, 2015 and I would be receiving a letter with instructions from LenderLive Network , Inc. with my new loan number and instructions for making my mortgage payments. It 's now XXXX XXXX, 2015 and I have n't received anything from LenderLive Network , Inc. I 've tried calling LenderLive Network 's customer service line and have been hung up on 5 times by their automated service. I just want to know where to send my mortgage payment and to speak to a human being at LenderLive for questions. The law requires that new loan servicer companies to notify you 15 days prior to the effective date of the change and Lenderlive Network , Inc. has not sent anything! Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 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: TX

Complaint narrative:
This is a XXXX account and the last activity was back from 2006 which is past the statute of limitations to report but this company keeps on reporting. I have disputed with no results and this company continues to list. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Southwest Recovery Services, Inc.
State: OK

Complaint narrative:
i have never recieved any communication of debt/debt has never verfied or validated. no communication from company just improper reporting on my credit report from XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I recieved a letter for settlement of an old debt I owed for an apartment. When I called in to accept the settlement amount, XXXX things happened. 
1. They changed the amount because there is a daily interest rate that is applied. 
2. They agreed that if I paid the amount of XXXX They would delete the record permanently. 
I agreed. 
I then spoke to my credit counselor and she told me that Paying that amount was not necessary, and I called " XXXX the next day and told him I would opt for the lesser amount and accept the " paid in full gurantee he offered me. 

Today, this account is being reported as " settled for the lesser amount '' and when I called to clarify their statement of settling in full, they stated that " settled in full is what they report and what the bureau reports is their own process ''. They made no attempt to correct the reporting, and I feel like I was tprovided flase information in order to pay the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
A company placed a collections at the XXXX credit bureaus, and has not sent me any proof the debt is mine. It was opened under my social security number fraudulently.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
XXXX BANKXXXX BANK INSTEAD OF ACTIVATING XXXX INSURANCE ACCT AS I AM XXXX AS THE INSURANCE SHOULKD BE ACTIVATING! INSTEAD THIS SOLD THE ACCT SO A COLLECTION AGENCY! 
CAVALRY ; XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-30 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: LA

Complaint narrative:
Upon obtaining my credit file, Cavalry was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent Cavalry a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response Cavalry sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

Cavalry then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

Cavalry know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: CNG FINANCIAL CORPORATION
State: VA

Complaint narrative:
OK, these people sent me an email teling me that I was approved for up to {$10000.00}! So I needed some cash to pay XXXX of my bills, but they said that they started from {$2000.00}! Anyway, I think some kind of way that they set me up cause they called them Check ' N to Cash! They were very suspious cause they told me to go to XXXX and get a XXXX to send the {$490.00} that they had put in my account! But they would'nt do it cause they said it was fraud cause I did'nt know who they were, and they did'nt let me get it! So, they told me to get a I tunes gift card and send them the money back on that! Anyway, I did that cause they said that they would deposit the rest of the money! So I did'nt know that they had already deposited some more money in my account! But something happened and my bank put a hold on my account and they said that it was fraud! So they closed my account because of that mobile check for {$920.00} that they had deposited in my account! And then I found out that they tried to come back and get the first {$490.00} that they had deposited in my bank while my account was closed! So thats why Im filing a complaint cause they committed fraud some kind of way because of them closing out my bank account behind this and they said that it was fraud!! Thank you very much, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: NY

Complaint narrative:
My insure pay oh ready the full amount ....!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: N.A.R., Inc.
State: CO

Complaint narrative:
In XX/XX/XXXX, Me and my roommates rented an apartment from an agency called XXXX XXXX XXXX XXXX located in XXXX Colorado. The apartment we rented was an old one, with a lot of issues and an old carpet. After our one year lease ended up, we were surprise by the rental management office not even giving us our deposit, but also charging us with an amount of {$2400.00}. After we contacted the XXXX XXXX XXXX office, they said that we have to pay for a new carpet, and fix all the issues that the apartment had when we moved there. The apartment was build in about XX/XX/XXXX. 
I think we were victim of such unprofessional act from XXXX XXXX XXXX, and I wish your office get involved to get me and my roommates our right back. the agency filed a collection, so now my credit score get hurt. 
The apartment is located in XXXX XXXX XXXX XXXX XXXX XXXX XXXX CO XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 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: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Southwest Recovery Services was paid for an outstanding rental debt that had been paid upon the agreement between myself & the collector that the debt be permanently removed from all XXXX credit bureaus XXXX. They have failed to take any action, which has resulted in difficulty for me to secure housing.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I owe for a past due utility bill from XX/XX/XXXX. I received a notice XXXX XX/XX/XXXX that I owe {$90.00}. I responded back XXXX XX/XX/XXXX disputing amount, I needed proof. ( I currently have the same company providing my electric service ) XXXX XX/XX/XXXX I received proof of the outstanding balance. I called the utility company several times over a XXXX week period, finally received confirmation that the balance exists. XXXX XX/XX/XXXX I called and spoke to XXXX XXXX because his company has already added this as a collection to my credit report. I want to pay the past due amount in full and want the negative collection removed from my credit report like other collection companies do according to the FairCredit Reporting Act. I did not have enough time to validate the debt owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MAS FINANCIAL SERVICES, INC.
State: NJ

Complaint narrative:
Loan payment is due on the XXXX of each month late after the XXXX. I receive robo calls and phone calls 2-3 times daily after the XXXX of the month harassing me to make payment when in fact the payment is in the mail. They want you to pay over the phone and ad a fee of {$25.00} to process it. The loan is almost 12 months into it with 36 to go. I told them to spot harassing me and that if they have not received payment by the XXXX feel free to call with no relief.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: WA

Complaint narrative:
In late 2010 we opened a car loan account with BMW Financial after paying by mail for a number of months, we contacted customer service at BMW Financial to set up our auto-pay. They walked me through the process, i specifically asked if I need to make an interim payment and they said no. 33 Days later I just happened to check my account, because i had not seen money removed from my bank account. i contacted BMW directly and they said I was late 33 days and needed to pay for the missing payment during the transition period. They also said although it was technically beyond 30 days, that they would not report it as late due to the circumstances. I did not realize that they had reported it as late until months later after applying for a home loan. The account was paid off entirely and they have been unhelpful in my efforts to remove the erroneous report from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I keep getting calls from someone claiming to be PNC bank. They call me then ask me to verify who I am to them with personal information. I traded my car into a dealership and I have called PNC and told them and they said OK great. But yet I still get harassing calls from their collections department.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XXXX XXXX, 2015 at XXXX I visited the PNC Bank in XXXX XXXX Georgia. I decided to make a deposit of approximately XXXX in cash in XXXX XXXX through XXXX. Since it was mostly XXXX it was a substantial sized stick of money. I put about a quarter inch of bills into the machine twice. After the XXXX time the machine flashed, you have decposited XXXX ( I do n't remember the odd amount ) would you like to continue. I pressed the button indicating that I would like to do so and attempted to deposit the XXXX part of the funds. When I did so the machine rejected it as it was returned to me. And then it gave me the receipt attached. 

I promptly went inside to report the rather mistake and to find out if the amount was deposited on my account. The gentleman said he would have to " file a dispute. '' and that is could take as many as 10 days to have the issue resolved. 
First of all it is not a despite when mortgage and tuition money is being held and a simple balancing of the machine can rectify the issue. 
Secondly I should not have to potentially wait and be penalized due to an error on the behalf of the bank and its machine. There is absolutely NOTHING on the machine indicating that I am depositing funds at my own risk. If I or ANY CONSUMER knew that when depositing cash in a machine if there is an error there is a CHANCE YOU CAN LOSE YOU MONEY DUE TO A DISPUTE I think fewer people would make such a decision. 

I need this issue resolved IMMIDATELY as I have bills to pay and it has put me and my family in financial duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Credit Karma, LLC
State: MO

Complaint narrative:
I have payed my XXXX bank credit card down to XXXX and Credit Karma still says its at XXXX. Ive cancelled my XXXX bank credit cart and Credit Karma still says that the card is open and valid. The information on my credit report is updated according to Credit Karma and is rarely accurate. This is partially effecting my credit score.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Mortgage # XXXX Please understand, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 

We applied for a short sale in XXXX XXXX. It was conditionally approved with a list price of $ XXXX. We then obtained a buyer for that full list price and moved out of the home. All of a sudden, in XXXX we were sent a modification offer, no response on the short sale application. We were told ( through our realtor ) to submit a new letter of intent to PNC Underwriter for the short sale and was told to wait 30-45 days for the bank to convert the system back to a short sale template. That brought us all the way into XXXX XXXX. Then the last week in XXXX, we were sent a denial for all options including mod and short sale. A few days later we were sent a HAMP mod offer again???? Within that same letter it states approved for XXXX ( page XXXX ) and denied for HAMP ( page XXXX ). Which is it?. Besides we applied for a short sale not retention. We moved out of the home in XXXX to accommodate the short sale based on the first condition approval. We are still carrying costs for the subject property and now expenses/mortgage for our current residence. I know those new expenses were not accounted for in our review. Nor do I believe the investor was made to understand that any rental income amount in the subject propertly will never offset the proposed modified payment. 
Our potential buyer is going to request us to cancel the contract and return earnest funds if we do not have a resolution shortly. I do not see any reason this short sale can not move forward and close asap however I can not contact PNC or receive any responses directly and the firm takes a minimum 2-3 weeks to review the status with the client each time. 
Again, we are trying to avoid a Foreclosure ad we have moved from the home and can not carry the costs of this vacant unoccupied home any longer. There is an active buyer with a full list price offer. 
Please assist. 
Thank you

Company response to consumer: Closed
Consumer complaint received 2016-04-14 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:
PNC manipulated the order in which they processed transactions in order to gain fees they were not due. They then refused to refund the insufficient funds applied on an account which had not overdrawn at all. They cited XXXX instances where they refunded fees. Once was because my husband 's payroll check company changed and they did not notify us until the Tuesday before and it was too late to cancel bills which were scheduled. I was very grateful they overturned that charge. The second time we were overdrawn by XXXX. I did not request they reverse the charges, they did it on their own. The entire correspondence is documented and will be attached.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Bank closed me out. Held my money, which made my house payment late. Then after saying they would not do any thing to Uncles account .They closed it with out notice. Now his SS check is in limbo.

Company response to consumer: Closed
Consumer complaint received 2017-01-23 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance One, Inc.
State: NY

Complaint narrative:
I received a dunning letter from AllianceOne Receivables Managment , Inc ; that derived from a traffic situation. They said that they were a debt collector, I confirmed under 15USC 1692 ( a ) ( 6 ). I requested validation pursuant to the Fair Debt Collection Practices Act, 15 USC 1692G. mailed by USPS Certified mail No. :XXXX. On examining their communication I found that they committed violations of 15USC1692 ( c ) by not having prior consent from me prior to contacting me, this is Identity thief under FDCPA and FCRA XXXX CFR XXXX. No prior consent also violated the Gramm-Leach-Baley Act. Their communication also do n't have the required language pursuant to 15 USC 1692G, there is no miranda on the communication that stated I have 30 days to dispute their claim therefore their communication is considered under 15USC 1692D to be harassment and abusive. In addition their communication violated 15 USC 1692e by making threats.

Company response to consumer: Closed with explanation