vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM

Complaint narrative:
IQ Data International ( a collection agency ) promised to remove and " delete '' the collections account they had listed on my credit report, if I paid the collection company. Despite failing to provide adequate verification and validation or proving that I was liable for the account, I wanted to pay the full amount for deletion. I made sure that IQ Data International agent XXXX XXXX and agent XXXX XXXX understood that I would pay ONLY if they removed the negative account ( both verbally and in writing ). IQ Data International promised to remove and " delete '' the derogatory account from my credit reports once I paid the collection agency the total amount of {$340.00}, paid in full as agreed. 

Despite having paid the agreed upon amount in reliance upon IQ Data International 's promise to remove the derogatory account, they have not removed the negative account from my credit reports. In other words, IQ Data International lied when they promised to remove the account and breached their contract/ agreement and induced me to pay. 

IQ Data International debt collection company lied when they promised to remove the derogatory account.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Collector keeps contacting job for an employee debit after we repeatedly requested for them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 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: ME

Complaint narrative:
I requested that Cavalry Portfolio validate the alleged debt. The agency insufficiently met is statutory burden pursuant to FDCA because ( 1 ) the agency did not provide the account 's date of first delinquency ; nor ( 2 ) provide me the account 's the date of last activity.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22 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: GA

Complaint narrative:
XXXX XXXX, XX/XX/XXXX, XX/XX/XXXX and XXXX XXXX paid my rent on the third Wednesday of the month. XXXX XXXX on the XXXX of the month I went online to pay the rent. The manager had block the account. She had filed eviction notice. The lease was ending XXXX/XXXX/XXXX. The court agreement was I pay {$1600.00}. Later the manager did not agree. The complex want me to pay rent for XXXX, XXXX and XXXX plus a breaking the lease fee of {$1700.00}. They also want me to pay {$660.00} for a window. The manager did fix the problem in XXXX. She got some one to soak the water up. It rain again in XXXX durning the XXXX holidays. It was raining hard, the frame came loose from the wall. The office was closed. I purchase some sealant and seal the windows. They want {$140.00} for cleaning the carpet, {$170.00} for removing some items, {$100.00} door, {$100.00} blind. None of this was mention in court. I found out in XXXX XXXX, when I received a collection letter. I could not solve the problem with the new manager. The previous manager had been fired. 
The is a pending lawsuit in State Court in XXXX, Ga. The apartment complex was served on XXXX/XXXX/XXXX. They have not respond.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
I submitted a Notice of Cancellation of the payday loan within 3 business days which is my right per Texas law. Check N Go refused to rescind the transaction and acknowledge the Notice of Right to Cancel and charged me the exorbitant interest payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
Debt collector continues to call my job with an automated message stating my name and that they are trying to collect a debt. My secretary had heard the message as I work in a school. I 've tried to get them to stop calling, but they will not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04 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: TX

Complaint narrative:
This company continues to send collection notices to us for a credit card debt that is at least 7 years old. We have advised them several times to stop all collections attempts yet they continue to call and send demands for payment in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Calvary Portfolio Services for XXXX this XXXX is from 2004 11 years ago yet Calvary Portfolio Services keep putting this debt on my credit report as if its a new debt. I have disputed this with the credit bureau but they do nothing this is dragging down my credit score, and beyond the statue of limitations Colorado the statute of limitations is XXXX years what they are doing is illegal the card has been closed for XXXX years. and I do not think XXXX even exists anymore.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: DE

Complaint narrative:
In XX/XX/XXXX I tool out a payday loan with Check n go, some time has passed and I was making bi weekly payments fell on hard times and was not able to make the payment, the last time check n go attempted to collect a payment was XX/XX/XXXX which was returned. On XX/XX/XXXX Check n go out out of the blue without contacting me or giving them authorization took XXXX out of my bank account making it negative and resulting in overdraft fees from my bank. How can they skip XX/XX/XXXX and not attempt but on a random thurs ( XX/XX/XXXX ) not even a fri as scheduled randomly attempt without even contacting me? I am well aware of the consequences of defaulting on my loan XXXX credit hit, lawsuit ) but if they had not received payment in over 2 months how legally can they just try a random day to withdraw the money? I believe this is illegal and should be looked into!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: ONLINE Information Services, Inc.
State: CO

Complaint narrative:
I had an account w XXXX XXXX XXXX, this was paid last year. A collector just posted this account on my credit as a new collection when it is not, dropping my credit score over XXXX points. This is the company illegally collecting a paid debt : ONLINE COLLECTIONS XXXX XXXX XXXX, NC XXXX ( XXXX ) XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: OR

Complaint narrative:
: CAVALRY PORTFOLIO SERVICE & XXXX XXXX XXXX Account # XXXX {$370.00} Account # XXXX {$410.00} In a recent review of my credit report, I noticed that this company has placed an erroneous and derogatory entry, claiming that I owe {$370.00} & {$410.00} I have no account with them, nor have I ever. The account number referenced above is all the information that I have concerning this alleged debt. Since ( XXXX XXXX ) ( CAVALRY PORTFOLIO SERVICE ) i believe are the same companies saw fit to place these item 's on my credit report, they obviously have all the information they need in order to investigate and correct there error. 
Under the Fair Debt Collections Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay these debts, and there is some contractual obligation which is binding on me to pay these debts. Please also be aware that a sworn affidavit from there compliance officer does not constitute a valid validation of these debts. 

Please also be advised that this letter is not only a formal dispute, but a request that you cease and desist any and all telephone collection. I require compliance with the terms and conditions of this letter within 30 days, or a complete withdrawal, in writing, of any claim. 

In the event of noncompliance, I reserve the right to file charges and/or complaints with appropriate County, State & Federal authorities, the XXXX and State Bar associations for violations of the FDCPA, FCRA, and Federal and State statutes on fraudulent extortion. 

I also hereby reserve my right to take private civil action against you to recover damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
My issue involves XXXX financial institutions. I have an existing personal loan with XXXX ( XXXX XXXX XXXX ) which I decided to payoff via a personal loan with PNC Bank at half the interest rate. 

PNC sent XXXX a check on multiple occasions to multiple lockboxes but the checks were sent back to PNC. XXXX could not provide a reason why the checks were not accepted by their lockbox service. I confirmed with PNC that my account, name, and the mailing address of the lockbox were all correct. Additionally, we sent a payoff via XXXX which was signed for when delivered. 

PNC refuses to try and pay XXXX via EFT or fund my account directly to pay XXXX via EFT. Additionally, PNC will not reduce my personal loan for the funds that have not been disbursed to XXXX. 

I am left in a situation in which XXXX loans are accruing interest and neither bank will try to resolve the situation in a manner that helps me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Affiliated Collection Services, LLC
State: NJ

Complaint narrative:
I am attempting to pay off the last payment of a payment arrangement on my daughter 's medical bill, and the debt collector insists on receiving my date of birth before processing the payment. They then called my cell on the weekend outside of regular business hours. I refuse to give them my identity information and should not be receiving calls on weekends.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
the PNC bank of XXXX PA ALLOWED THE VISA CARD PEOPLE TO GO INTO MY BANK ACCOUNT ENDING IN XXXX A TAKE MONEY FROM MY ACCOUNT WHEN I HAD CHANGED DEBIT CARD NUMBERS AND WAS TOLD BY THE BANK THAT NO ONE COULD COME IN MY ACCOUNT AND TAKE MONEY WITH OUT MY ACCOUNT NUMBER! THEY ALLOWED THE XXXX TO DO SO AFTER CHANGING MY DEBIT CARD NUMBER! THE XXXX PEOPLE GAVE THE XXXX PEOPLE MY NEW CARD NUMBER WITH OUT MY PERMISSION A VIOLATION OF THE FDERAL PRIVACY ACT!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
pnc bank bought the original lone from XXXX XXXX my loan is going back to 2002 payments were made correctly every month all of a sudden I get a letter the loan is due in full I made numerous phone calls to a man by the name XXXX XXXX to whom the bank said I can only talk to him and demand to show me why the loan is due as of today I still did not get it at the end on XXXX XXXX I paid of the loan in full to add insole on injury pnc bank goes & reports on XXXX XXXX as a 60 day loan

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I returned a XXXX leased BMW I-28 to the local dealership. They accepted the car back without any comment or inspection. Subsequently, we received an invoice from BMW financial for excess wear on a car that only had XXXX miles, XXXX miles BELOW the allotted mileage. When I called to determine what the charge was for, I was informed that the charge was due to the oil not being changed by the required XXXX miles. I argued the fact that the oil had in fact been changed at XXXX miles and was told that I would need to furnish a receipt to prove this and the charge would be removed. I provided the documentations ( twice ) and today was informed that charges would NOT be removed, because they NOW claimed a yellow service light was on. At the time the car was delivered back to BMW, the mileage was checked and no yellow light was evident. I would never have returned the car with a service light on. I feel strongly that is a total scam to obtain more money from lessees who are powerless to fight it. I therefore request that the CFPB investigate and have the charges removed. I was informed each time I called, that the calls were being recorded. If the initial call I made is checked you will clearly hear that I was told if I furnished the receipt for the oil change the charge would be removed. Also, I had to supply the proof twice as they claimed the first time that they did not receive it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I was able to find a buyer for my home and my XXXX mortgage with XXXX was kindly enough to approved me for a short sale, so I do not have to lose my home in a foreclosure and still be liable for a deficiency. Now PNC the holder of my XXXX mortgage is acting in bad faith, by asking and asking for more documents. XXXX is willing to give them {$5000.00} to settle at the closing of my home. Which is something very common for a XXXX mortgage to settle for a lesser amount. Because if my home goes to foreclosure more likely they will not be able to collect anything. I have been very patient and I have provided them numerous amounts of documentation even more then for my XXXX mortgage. They are holding the closing of my home by not accepting the {$5000.00} XXXX is willing to give them. PNC is making my buyer walk away from buying my home. I am requesting your help, because PNC is not acting in good faith, they are making this process unbearable. Please help me. I am an XXXX person and I already have enough problems and I will like this headache to go away.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
On XXXX XX/XX/2008, I entered an agreement with BMW Financial to lease a BMW XXXX series for a term of 3 years. My payments were roughly $ XXXX/month with a down payment of {$2500.00}. In XXXX of XX/XX/XXXX, I was laid off from my employer, and realized that the monthly payments were too high and decided to return the lease. I had XXXX potential sellers for the car in which BMW was unwilling to handle the sale of the car. I returned the lease to BMW in which the car was sold at the auction for {$24000.00} with a deficiency balance of {$8500.00}. To this day, I still do n't understand the point of BMW declining the sale of the lease car in which I provided potential sellers and selling the vehicle at the auction. It 's a win win situation for BMW, because they were able to capitalize off a consumer like me. Now that I am trying to buy my XXXX home, I have a derogatory account from BMW. The car was n't over mileage nor in any comestic damage when it was returned. BMW made it 's profit with the monthly payments and was able to sale the car without ease.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
Correspondence to myself and husband, for the same account, can go up to XXXX calls and or emails a day starting promptly at XXXX am ending at XXXX Same company from multiple different phone numbers. 
XXXX calls. XXXX calls ... XXXX particular rep named XXXX calls once every day leaves a message. If she cant leave a message she will call back XXXX more times. Then there are XXXX other employees that call from different numbers. To each of our phones. And then they email as well.All from the same company. We have mentioned it to the company several times. They begin collection calls day of bill due until paid in full.

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 2015-05-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I had XXXX XXXX bills that with XXXX and at the time I was un-employed and actively seeking work. They could not work with me on payments and thus turned over to CMS ( credit management services ). 

CMS never contacted me properly and I contacted them after finding it on a credit report. I was willing to make payments but they would only take payment in full and nothing else. If I had the pymt in full it would have never went to collections, as I acknowledge I owe the debt. I tried a number of times to rectify the situation ; however, they continued to tell me pymt in full only. I was then subpoena 'd by mail ( with no date or time information ) at the end of XXXX 2014. I called them immediately and stated this was un-necessary as I am willing to make payments. Yet again, payment in full only. I then asked when was I to appear in court and they stated they could not give me legal advice. I stated this is not legal advice as I only want to appear to defend myself. The were of no help and quite deceptive. So I obviously missed my court date and then received a judgement against me at the beginning of XXXX. I called them the same day XXXX received the judgement and I found out that XXXX again the only thing they will take is payment in full and they already know where I bank and have a court order to garnish accounts. 

I really feel that this is highly un-professional as I am willing to pay, but I have not options to do this in full. They did give me a suggestion to borrow from family ; however, you see I can not do that as my family is small and on limited income. They also asked me to get a loan to rectify the situation, but you see I have no collateral do do a loan and do not have the credit to do an unsecured loan, either. This really puts me in a bad spot and I was willing all along to make pymts. 

I feel this company is extremely unfair, unreasonable, and quite un-professional in how they conduct their daily operations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Capital Recovery Corporation
State: CA

Complaint narrative:
A collection agency, pretending to be a medical clinic, mailed a bill for {$440.00} two months AFTER my insurance company had already settled the bill. 

There was no date of service stated on the bill There was no type of service stated on the bill The bill was titled " 1st Notice '' to make it look as if it was in collections. 

The company has since admitted that it is a collection agency working on behalf of a medical clinic to collect payment for services. 

I am a senior citizen and if I were not able to contact my insurance carrier, I would have no method of sorting out the details of this billing error.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
XXXX : WHAT HAPPENEDI am complaining about a deceptive, negative-option add-on product called " XXXX XXXX Solutions '' on PNC Merchant Services small business accounts. This is similar to the negative option affilliate marketing products that have been the bain of consumer accounts for years. The CFPB in its bank oversight role needs to nip this in the bud on the Small business accounts. 

In XX/XX/XXXX I cancelled credit card processing on my PNC merchant bank account through PNC Merchant services. In XX/XX/XXXX I deactivated my credit card processing with them, and I stopped getting billed a monthly fee. In XX/XX/XXXX, they started charging a monthly fee for XXXX. They said that they imposed this charge via a letter that they sent me in XX/XX/XXXX advising me of the new fee, and they said they had the right to charge new fees according to the merchant agreement. This merchant agreement, they say has a pro-rate early termination charge. My early termination charge at this time they say would be {$450.00}. I dispute signing a three year agreement with an early termination charge. Also I argue a contract that they have the right to arbitrarily add charges is a contract of adhesion - and at best there is a duty of good faith and fair dealing in adding charges. In this case, a new {$24.00} charge for an inactive account for protection not needed or asked for is not good faith - especially when the letter they sent me was sent to an outdated address, a letter that did not get to me. On the other hand their statements do get to me electronically. They could have sent me the letter electronically as well. 
Finally, PNC Merchant Services is a deceptive name. They claim they are separate from PNC bank. They were referred to me by PNC Bank, and they use PNC 's logo. I updated my address with PNC Bank in XX/XX/XXXX, I presumed ( wrongly, I guess ) that PNC Merchant Services would receive the updated address as well.

Company response to consumer: Closed with explanation