vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-12-26 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
in XX/XX/XXXX my spouse, i co signed an apartment lease for my sister and her partner. due to XXXX she was not able to pay so she quit the apartment within the 2 day time frame allowed before additional month charge would apply. apartment was left in GREAT condition. when walk through with manager was conducted she stated that only carpet cleaning would be charged and late month. rounding the amount debt would have been no more than {$1500.00}. when attempted to pay XXXX, they declined payment. credit report now shows a debt of {$3100.00}. 
XX/XX/XXXX i hired the services of XXXX XXXX XXXX due to identity theft and they noticed IQ data reported different amounts owed to different credit bureaus. IQ data states that debt has earned interest and not to contact them without a lump sum to be considered. IQ data has declined written confirmation of debt and keep repeating " you signed the lease, we do n't care who pays. we are doing you a courtesy of allowing this conversation ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Viking Client Services
State: CA

Complaint narrative:
Repeated calling my number with an automated phone number. 
I have never been able to talk to a real person. 
I do not owe any outstanding debts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13 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: OH

Complaint narrative:
Unfortunately my husband who paid all the bills and took care of all finances passed away unecpectedly XX/XX/XXXX. Prior to that XX/XX/XXXX he went to a debt consolidation company which we thought was legit. We signed the agreementa and made the payments. Unfortunately after his death, I had to seek a probate lawyer because he died without a will. She explained their practices and at that time I found none of the payments had been applied to the credit cards which meant all were already in default. She suggested I make a settlement with the credit cards. I did so with the XXXX I thought I had and had contact with. This credit card company has not made any claims to this debt until now over 2 years later. I look on XXXX and it shows XXXX balance so I assumed it was the XXXX I already paid. The only reason I found out is I have been trying to bring my credit score up and I constantly look at credit karma. There was an open collection listed on my report for Calvary Portfolio Services. I have since learned it is a debt collector for XXXX. I did make a XXXX payment to XXXX on XX/XX/XXXX which I thought settled everything. To my horror this is another account. I have ripped the house apart for any type of paper trail on this account and I can not find one piece of paper. We were in desperate financial trouble at the time of his death so I am not doubting that he opened this card. Once he passed I had no acces to any account info because it was on his work laptop which was siezed XX/XX/XXXX and I had no way of getting in it because of security measures. I did speak to Clavary today and requested account info but looking on XXXX it shows the acct closed collection/charge. 
I honestly thought I was climbing out of this nightmare until I got onto XXXX. I have been getting XXXX # calls but the lawyer said they can continue to call so I assumed it was what I thought was paid off. How can a company do this? It just destroyed my credit history that I have worked so hard scraping and scrimping to repair? I am desperate for help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-06 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:
I disputed a paid collection item on my credit report with the collection agency Cavalry Portfolio Services and requested that the item be removed from my credit report as it was over 7 years old and had been paid. The original creditor had already removed the item from my credit report. I then sent Cavalry Portfolio Services a certified written request that they provide all information on the disputed item such as the original collection date, date paid, and all information pertaining to the collection and the proceeded by only sending me a letter that stating that this account was already settled. I called them and spoke to a manager concerning the account and I again confirmed to her my request that I would like to know the original date of collection, proof and confirmation. The manager told me that they had no such information because the item was so old and I told her that was the point in my dispute and the item was much older. The manger than said I would have to file a complaint because it was our of her hands to be able to remove the item from my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Attempted to/Collected exempt funds
Company: SINGLETARY & THRASH-JACKSON, P.A.
State: MS

Complaint narrative:
My name is XXXX XXXX, a mother, XXXX of over fifteen years, and honest citizen. This is an URGENT Mississippi action where a company is trying to collect on a six year old alleged judgment that was never agreed to or filed in court. 

In XXXX XXXX, XXXX XXXX, XXXX attempted to collect on a credit card debt by suing me. The case was released. However, the company, or their lawyers, NEVER got the judge to sign a judgment, nor was a judgment ever filed in the court. I called the court for copies of the documents several times to see if I had a judgment ; there is still no filed judgment! Because the judgment was never filed, I did not make any payments to the XXXX. This company, then, fell under scrutiny and was sued by multiple persons - I was asked to join the suit, but declined. The company immediately fell under and was dismantled. As such, I definitely made no payments. 

On XXXX XXXX, XXXX, Singletary & Thrash contacted me and my job alleging I owed a balance and they were going to execute a garnishment. I researched the issue and verified that in Mississippi debts must be collected within three years. I had not been in contact with the company since XXXX XXXX. So, I responded in accordance with the Fair Debt Collection Act. In that response I neither acknowledged or affirmed the debt. I asked them to stop writing me and my job because they lost their chance to collect because it had been over six years. 

They continue to write me and my employer. The company continues to threaten me, and recently they have " found '' a signed document that was still never filed. I am afraid and embarrassed by their illegal attempts. My employers are afraid and contemplating releasing me. I have been a XXXX for over fifteen years, and I am a pretty great XXXX. I also love my job. I am a single mother of XXXX, and I acted responsibly in handling this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Have not received bonus yet. Reps from bank can not add the numbers and I have met all the requirements for bonus. No real answer or time frame.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I tried to claim the rewards benefit accrued on my account of {$63.00} but PNC BANK refused to give it to me. They claim there is a & {$75.00} minimum rewards balance required to claim the balance. Yet when I read the Terms and Conditions or scour their website, there is nothing supporting that statement. Still they refuse to issue a check for my rewards balance. I am no longer interested in holding a card with a company with such terrible business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
My wife ( who is a signer on both our business and personal accounts for PNC ) went to a branch to have a third party check cashed. The teller refused because of bank policy of there not being enough $ in our account. ( The check was over by XXXX $ and later Customer Service said that he should have cashed the check especially since there was plenty of $ to cover that check in the attached business acct. ) The incident descended into an intransigent argument. 

As a result of the altercation, the teller cancelled my wife 's personal account debit card using her social security number to do so. This was confirmed by information received by corporate customer service a few days afterwards when my wife called in to check the status on a card that was n't working for transaction even though we have $ in the account. 

I went to the branch where the exchange originally occurred to speak with the manager, explained to her the situation and she even confirmed that this teller 's name was listed as the agent who closed my wife 's card and the date ( that the altercation occurred ) was listed as the date that it was closed. She excused herself to speak to the teller and get " his side '' ... 
Funny, he could remember the altercation, but not remember closing her card, but then gave the manager some story about someone calling at some point later in the day to cancel a card and he could n't remember if it was my wife 's card or not, but he 's not sure ... Even though the manager said to me " but no one 's card but your wife was closed on that day ... '' I was assured that PNC takes these sort of matters " VERY '' seriously and that she was going to be escalating this incident for investigation etc ad infinitum ad nauseum ... 
That was Friday XX/XX/2016. We were contacted by an agent in the " executive relations '' section of PNC that same day saying that she would be handling the investigation, but calls to her or others in her office have yielded only run around results and answers. In fact, the person I just spoke to who was in the same " section '' as the " investigator '' said that no investigation had even been opened regarding this incident. 
This teller has access to our personal information and has already used it once to close a card in order to retaliate against us. This behavior is not only unprofessional and potentially criminal, but it is a serious breach of our trust as multiple account holding clients and the general public at large.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 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: Alliance One, Inc.
State: OR

Complaint narrative:
I received notice of a debt owed to the XXXX for XXXX violations. I tried calling the toll free number several times during their business hours which start at XXXX, before I went to work and during their business hours a get a canned message that I have reached their company outside of business hours. It is XXXX right now and I tried calling several times. This has not been my first time trying to contact them without no luck. The issue is that the XXXX ticket we would like to pay but the ticket for the no insurance is being appealed with the XXXX court and I have a lawyer working on this. This collection action should be placed on hold and this should not affect my credit. But I only have to XX/XX/XXXX to contact the collection agency but I have no way to get in contact with them. How can a collection agency keep telling people you reached them after business hours when you are calling during business hours. This abusive and will end up affecting my credit for something that I have been trying to take care of for several weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC offered a promotion on my credit card for using visa checkout. The promotion consisted of a XXXX dollar credit for spending at least XXXX dollars with visa checkout with your enrolled credit card. The bonus was to be paid within 90 days. It has been 90 days. The bonus was not paid. I have contacted PNC twice with no resolution. This is the second instance of an UDAP violation where PNC had refused to honor their advertised terms on an account with me. I would like all my bonuses paid, accounts closed and PNC held liable for violating UDAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Back in 2011, I paid off my equity Loan with PNC Bank. PNC chose to say this loan was discharged/forgiven. This was not the case. As of today I can still walk into any branch of PNC and the loan amount still shows outstanding on their system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I was given a credit card by PNC that allowed for zero interest during a several month promotional period. I called PNC to ask if I would be charged interest on the balance I accrued during these months, once the promotion expired. I was told that I would not pay any interest on this balance, and only pay interest on debt accrued after the promotional period had passed. I made this call around XXXX 2015, and PNC admits that they have this recorded phone conversation, but continue to charge me interest on past purchases. They have told me that I was given false information, and that this mistake has granted them a coaching opportunity. I told them I did n't think that was very nice at all and requested that the interest payments be credited back to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have applied for a loan modification with PNC Mortgage Company and have been denied. This time with no explanation. They have continued to deny my request at every hand. I asked if they could give me a silent second mortgage on the arrearage 3 months ago and they stated no. 
Please assist me in this matter as I am now being forced to file bankrupt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: One Source Technology
State: MD

Complaint narrative:
On XXXX/XXXX/2016, Asurint provided a employment background check report on me for their client XXXX XXXX XXXX. Asurint claimed I had a criminal misdemeanor charge which I disputed directly with the prospective employer and Asurint as not belonging to me and identity fraud. The report in question clearly states charges against a XXXX XXXX XXXX ( my name is XXXX XXXX XXXX ) with addresses not used or belonging to me. Asurint fraudulently stated the criminal report claimed alsias ( es ) XXXX XXXX XXXX which is not true. The criminal report clearly states criminal charges against a XXXX XXXX XXXX and it does not state anywhere in the charging documents XXXX XXXX XXXX was charged with a crime or XXXX XXXX XXXX was using an alias XXXX XXXX XXXX. 
The criminal charges does not show or state both XXXX XXXX XXXX and XXXX XXXX XXXX were both charged with a crime or using aliases. The criminal report does not reflect my social security number and I have disputed use of addresses listed on report to all the specialty resellers supplying inaccurate date to companies like Asurint that are using inaccurate addresses to associate or attached my name to criminal charges. 
Under the FCRA I requested Asurint to validate their claim and provide the actual charging documents showing my social security number and charges against XXXX XXXX XXXX or courts records clearly stating XXXX XXXX XXXX was using a alias XXXX XXXX XXXX to date Asurint is refusing to valid their claim and supply the information. 
In addition, I requested the names, physical and emails addresses, telephone and fax numbers and contact names of all parties associating my social number with said inaccurate addresses to date Asurint has refused to provide this information to allow the consumer to dispute the inaccurate information directly with their source.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Federal Pacific Credit Company, LLC
State: AZ

Complaint narrative:
To The CFPB : XXXX My office has been receiving threatening and harassing calls form an alleged debt collector FEDERAL PACIFIC CREDIT. My office has received XXXX calls stated '' you must call us now XXXX, regarding a case number, " it is imperitive you call now, XXXX XXXX ''. I learned form calling this so called company back it is in regards to a predatory credit card that I had over 7 plus years ago, which was cancelled as I was legally advised to do called TRIBUTE CARD. This guy stated there is {$1300.00} in fees alone and more. A closed credit card even predatory can not charge fees on a closed account as per the FCRA. 

Under the FCRA this card is PREDATORY and I owe nothing to this predatory card, nothing. Secondly, it is over 7 years and this questionable debt collector with a very questionable website at http : //www.fedpacific.com in XXXX XXXX XXXX XXXX They gave my home address, asked for mailing address and called me XXXX. 
I never go by XXXX as well. 

My office checked the owner or a so called Executive is XXXX XXXX. My office learned as well under Rip Off Report this alleged company buys outdated debts from predatory credit card companies. 

My office was legally advised to file this complaint, if the harassment and threats do not stop, my office will take legal action to stop it on XXXX XXXX and her alleged Federal Pacific Credit Collections. 

Thank you XXXX XXXX, petitioner

Company response to consumer: Closed
Consumer complaint received 2015-09-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank advertised on a large screen TV at the XXXX Branch a " loan discount '' of {$500.00} for a new, qualifying home mortgage if you set up the loan payment as an auto-deduction from an existing PNC account. I had just begun the loan application process and asked my loan officer if I was eligible. He said I was. I was told at closing the " loan discount '' would be credited to my checking account after the first auto-deduction. Following the first auto-deduction from my checking account in XX/XX/XXXX, I was then told the loan discount would be credited to my checking account 90 days after the loan closed. After 90 days, I am now told that my " complaint '' will take several weeks to research. The same scenario occurred with a friend of mine getting a PNC mortgage at the same time. After many phone calls, they did finally get the loan discount credited to their checking account but were so angry at the effort it took to get a benefit that PNC had advertised, they moved all their accounts to XXXX bank. I have had account with PNC for 30 years and feel that I deserve better treatment. It is not a huge sum of money, but if they are going to lie and not follow through with this promise, why should I now believe anything they tell me. I have placed on hold any further business with PNC until this is resolved. I have attached a document containing emails between myself and PNC. The Loan Officer was XXXX XXXX, followed by XXXX XXXX when XXXX was no longer available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I would like to know if PNC bank loan officer violated any laws. And if there is any way PNC can refund the money we paid for an appraisal that should have never being ordered by PNC bank.XX/XX/XXXX my husband and I applied for pre-approval of a mortgage loan with PNC Financial Services Group, XXXX XXXX XXXX MD XXXX. We were pre approved so we began looking for a property. From day one I was clear with our Pnc loan office XXXX XXXX XXXX ID XXXX that we were looking to buy a property that may need repairs. After we found a property I informed XXXX about the condition of the property, it was a foreclosure. The HVAC system was destroyed, some pipes and sheet rocks was missing from the basement area. XXXX said once there was a kitchen we should be fine. When our contract was accepted, we sent a copy to XXXX ; now I am not sure if he went over it. It clearly stated we were buying the property As Is. And on several occasion XXXX said the XXXX condition was not a problem because our agent was also concern about HVAC condition.XXXX suggested we could ask seller to fix. I reminded him we agreed to buy as is so they would not fix, XXXX then said he can set up an escrow account for repairs. He was clear about it because the seller agent was trying to see if seller will pay for follow up inspection after we close ; to ensure that repairs were done. After the appraisal the underwriters wanted the pipes replace, Hvac fix and sheet rocks replace. XXXX still said he can set up repair escrow account ; we got contractors to go out and look at the property. After all that he comes back and say the property may have mold, we need mold certification and later that same day he calls our agent to ask him if he can get seller to make repairs. Apparently XXXX did not know that PNC could not create an escrow account for the repairs, they did not provide that service. How can he work for PNC as a loan officer but do n't know what product they provide? Why should hard working people suffer because he do n't know what he is doing? He Placed our {$2000.00} earnest in jeopardy and we lost {$500.00} on the appraisal. The time we lost in the process is the worst part, we are renting and every day counts. After I confronted XXXX he said he can pay out of pocket for our next appraisal but we need to find another property, because PNC can not finance our current property. I always taught it was the loan officer responsibility to know what product thier company offers. He even recommended a lender we could use, like we was crazy enough to use his referral. Who gives him the right to tell us what property we should buy, the way he handled everything was very deceitful. I have reached out to his manager and he was no help. No one should have to go through what we had to endure with our loan officer from PNC bank.

Company response to consumer: Closed with monetary relief