vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I have called PNC customer service 3 times and requested a PIN so I can create an online account and see my loan statements. All 3 times I have been denied! 



Account XXXX, PA XXXX Account XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: AL

Complaint narrative:
I purchased a brand new XXXX XXXX XXXX in XXXX XXXX. First, they did not give me a correct value for my trade-in. I traded a XXXX XXXX XXXX ( that was fully loaded, with leather seats, navigation, heating & cooling seats & steering wheels, etc ). They only gave me the trade-in value for a BASIC XXXX, with cloth seats and a standard radio, steering wheel, etc ). I had SEVERAL problems with the XXXX & was constantly complaining or visiting the service department, to inform them of problems with the vehicle. They fixed and even had to order & REPLACE parts, on what was supposed to be a BRAND new car! I insisted I wanted out, or to trade for another vehicle! They refused!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: CA

Complaint narrative:
When I refinanced my mortgage, mu current lender, Stonegate Mortgage, mishandled my escrow account. On XXXX XXXX, Stonegate " conveniently '' withdrew my property tax payment for an XXXX XXXX payment!? On XXXX XXXX, ironically, the XXXX tax collector has not received the payment!!! How is it my new lender already paid my property taxes and my new loan did n't even close until XXXX XXXX!? 

Called Stonegate and they did not care, customer service was RUDE and told me they always pay in advance, really two months early???? She could not explain why XXXX XXXX tax collector had not received payment and did not care, offered zero help. She then told me I would have to wait 2 months for my refund. WOW that 's customer service! So Stonegate gets to keep almost {$2000.00} because allegedly they pay property taxes early but ca n't find a record for it. How convent! This is the professional experience, dedicated service, and HIGHER STANDARD you can expect from Stonegate. 

I was a customer and just because I chose to refinance with someone they screwed me over. 
Please help! 
XXXX XXXX Loan # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: WA

Complaint narrative:
made a prepayment plan for XXXX payment to be pay in a 6months period paid it off early and when we did found out they had been reporting us as late in our credit report when we started the plan was not advised they would do this or that it would stay on our credit report for 7 to 10 years, which makes it hard for us to refi at a lower rate. we held up our end and even paid it off early we think they should remove it from our credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
We have a second mortgage on our home with PNC. Our first is with XXXX XXXX XXXX. We applied and received a loan modification from XXXX XXXX XXXX. Then we applied and were denied a loan modification from PNC. We appealed the decision and were denied again. Each time we asked to understand their basis for the denial and they refused to provide us with that information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
My home loan was transferred to another lender which I have n't been notified yet

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: RI

Complaint narrative:
XXXX/LenderLive wrongfully charged me a late fee for a payment that arrived to their facility prior to the XXXX of the month. When I contacted the company, I received different answers from different people and was left on hold for long periods of time when I asked to speak with a manager. Additionally I had to call several times to get the issue resolved. This issue has occurred more than once and is starting to become a monthly chore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC
State: KS

Complaint narrative:
I am in the process of disputing. This company apparently is trying to collect on a debt from an account opened XX/XX/XXXX, 22 years. It just shows up randomly on my credit report. They claim that I made a payment on it XX/XX/XXXX, which I am wondering how I would have made a payment on an account that was 19 years old. The XXXX credit report shows that the account was opened XX/XX/XXXX, which is inconsistent with the collectors admission that the account is 22 years old and that supposedly payments were made. I do not understand how companies are allowed to pass " debt accounts '' from collector to another over a period of decades. I believe that this is an attempt at fraud. To further complicate this issue, the collector listed is 'Calvary Portfolio ' however, when I called them they advised me that it was subcontracted to another collector XXXX ' and that they ( Calvary Portfolio ) were unable to access the account. Thye told me to call XXXX XXXX. When I called XXXX XXXX to dispute the issue, they advised me they would contact 'Calvary Portfolio ' who would send me details about the debt ( the company that told me they had no access to the account ). Let me tell you please, regular Americans know what this is, someone gaming the system.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Received call from XXXX advising they were Calvary Portfolio calling on a personal matter. I researched and found they were debt collectors, I called back. They said it was a personal matter when I asked if they were debt collectors. I advised that pursuant to the debt collection laws I requested that contact in future be in writing, they again advised was personal matter. I spoke with agent XXXX at ext XXXX and then the floor supervisor XXXX, that was the names they provided. They have been put on notice and still fought me on calling back to discuss the matter. I feel they are using " personal matter '' as a way of hiding their true nature and an attempt to get around the fair debt collection act laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CO

Complaint narrative:
Cavalry Portfolio Services was sold loan from XXXX on XXXX XXXX, 2012. The original amount of the loan from XXXX was {$6000.00}. Cavalry Portfolio Services is attempting to collect {$35000.00} on the original loan balance of {$6000.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
This debt was paid on XXXX/XXXX/15 which settled this account. I was informed that this would not show on my credit any further. Upon obtaining a new job my credit was ran and this still showed on my report.

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 non-monetary relief
Consumer complaint received 2016-10-27 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Used obscene/profane/abusive language
Company: CNG FINANCIAL CORPORATION
State: SD

Complaint narrative:
I had a loan with Check n go and was keeping up with my payments up until almost the end of the loan. I have received a few emails from them, and I only still have one. But one of the said that they could see that I had borrowed money from them and " Never bothered to pay it back '' which is not true, I actually paid them more than I had borrowed to begin with, I just fell behind before I made all of the payments including interest. I consider that offensive, because they are trying to shame me in to the rest of the payments by saying I did n't bother to pay. I had already paid well more than was borrowed to me, and I was trying to keep paying them, but groceries are more important. I have also received unsecured emails that fully disclosed my debt and account numbers. Things that I would consider personal information with no security at all. I am familiar with the FCDPA and I feel like my rights within that have been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I was called by someone at XXXX who claims I still owe money for a XXXX account that was paid over 6 years ago. The man I spoke with was forceful and threatening that his client might sue. It was shady at best.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CNG FINANCIAL CORPORATION
State: KY

Complaint narrative:
For over XXXX years, debt collections appears on my report. I have no idea how i loaned money that I 've never seen. These loan companies eventually kept throwing the account into debt collectors which keep harassing me with phone calls during my duty. The debt collectors appear to throw my account into other debt collectors. I reported identity theft to the IRS and they gave me a pin for tax purpose. I disputed online with no resolve. I 'm also looking through information on where I worked, I never worked for XXXX. In addition, I stopped working for XXXX XXXX several years ago. The home address is also incorrect. I live on-post in an XXXX base, in XXXX. Before that I was stationed in XXXX. Why am I being attacked for being a victim of identity theft? Is n't the SCRA and FDCPA exist to protect consumers?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 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: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
IQ DATA AKA XXXX HAS BEEN SENT LEGAL DOCUMENTATION IN REGARDS TO SUCH SAID DEBT AND REFUSES TO COMPLY WITH FEDERAL GUIDELINES AS WELL IS MIS REPUTATION THIS DEBT GOES BACK TO XX/XX/XXXX AS THEY UPDATED WRONGFULLY REPORTED XX/XX/XXXX THIS IS COMMUNICATION ERROR AND MIS REPUTATION AND VIOLATION OF THE FAIR CREDT ACT

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 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: Viking Client Services
State: CA

Complaint narrative:
In XX/XX/XXXX I rented a car from XXXX XXXX at XXXX XXXX. I returned the car in good condition and received a receipt. Several weeks later I received a letter from XXXX claiming that the car had been damaged while in my possession, without providing any details or supporting evidence. I sent a response letter to the remittance address listed on the letter disputing the claim and requesting evidence of damage and repair costs. I received no response or supporting documentation from XXXX in response to my written dispute and request, until I received another bill from Viking Client Services, a collection agency. I am responding to this letter with another written dispute and request for documentation. I am alerting your agency to this because I have found numerous complaints from other consumers online that suggest that this is a consistent pattern of consumer fraud by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Citi Management Group, LLC
State: IL

Complaint narrative:
In 2012 I took out a payday loan of around {$1000.00} from the " XXXX XXXX '' in XXXX, Illinois while working in a part-time sales position. A couple weeks after taking out the loan, I lost my job. I secured the loan with a personal check which was processed repeatedly to the point I had to close my account because I did n't have the money. After a couple of years, I began receiving repeated phone calls from a collection agency that would n't identify themselves threatening that a summons was going to be served on me for the debt and that if I did n't pay, I and my family members would be arrested for check fraud. I was cussed at repeatedly and called at all times of the day and even at night and the company refused to provide anything in writing. After a while and blocking multiple XXXX numbers on my phone, the calls stopped. Now, another couple years later, the calls have started again from multiple companies in regards to this loan. My XXXX XXXX XXXX grandparents are receiving repeated phone calls and vague voicemails telling them that I have violated XXXX and that the case will be forwarded on for legal action and that I am required to respond within 24 hours. I have never received anything in writing from any of these companies, but they are calling me at work and if I do n't answer, they keep calling. I 'm beginning to get scared as to what else they are going to try and that I ca n't stop them from doing so. The previous agency from two years ago threatened to have my mother arrested. Also, the most recent phone call I received, I had to ask if the phone call was being recorded and the guy on the phone would n't tell me and just kept yelling at me if I have a habit of not paying on loans that I take out.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I went to Check 'n Go on XXXX XXXX, XXXX to get a loan to make repairs on my car. Check 'n Go gave me a {$5000.00} loan at 74.95 % APR. 
On XXXX XXXX, XXXX, I went back to Check 'n Go to get a little bit more money. They told me I could refinance my loan with them, and I would have to take out at least {$2000.00} more with them. I did n't need {$2000.00} more, but they told me that they would not give me a loan unless I accepted a refinance loan for a higher amount of money. I signed a refinance agreement for {$3700.00} at 85.08 % interest. 
On XXXX XXXX, XXXX, I went back to Check 'n Go because I was behind on my rent payment and all my bills and needed more money. Again, I wanted less than {$2000.00}, but Check 'n Go insisted that I take out a loan where I would get over {$2000.00} in cash. I signed another refinance agreement for {$4600.00} at 104.57 % interest. 
The Check 'n Go office has, from the beginning of my interactions with them, refused to accept any method of payment from me except cash. They debited my bank card once to get my bank information. 
I fell behind on my payments with Check 'n Go around XXXX XXXX, XXXX. Check 'n Go created a check for {$380.00}, payable to Check 'n Go, in my name and cashed it with the bank. I was never informed that Check 'n Go could do this. I would not have given authorization for Check 'n Go to do this if I had understood what remotely created checks are. My bank charged me an overdraft fee after Check 'n Go cashed a check that it had created in my name that I did not authorize. 
I fell behind on my payments with Check 'n Go again around XXXX XXXX, XXXX. Check 'n Go again created a check in my name payable to Check 'n Go for {$530.00} and cashed it with my bank. I disputed my check with the bank and have attempted to withdraw my authorization for any future checks created by Check 'n Go. 
I have never authorized Check 'n Go to create checks in my name to overdraw my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
In a Chase bank office in XXXX, Illinois I encountered Bait and Switch advice from a bank representative in a small office. She talked me into dropping my XXXX card valid through XXXX, 2016 which gave me unlimited use of the XXXX XXXX XXXX XXXX ( XXXX # XXXX ) for {$100.00} per year. My membership card is in my possession. Very soon after that meeting the fee went up to {$500.00} per year. She strongly urged me to switch to a Chase Sapphire card which was free, but no longer associated with XXXX XXXX. This was clearly a Bait and Switch tactic. Now I have a validly dated card but can not use it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I AM HAVING TRANSPARENCY ISSUES WITH THIS SERVICER I HAVE BEEN CHARGED LATE FEES AND MORTGAGE LATES REPORTED ON MY CREDIT REPORT WHEN IN FACT I HAVE NEVER BEEN LATE ON THIS LOAN EVEN BEFORE THIS SERVICER TOOK OVER HAD I NOT REQUESTED FOR THEM TO START REPORTED MY LOAD TO THE CREDIT BUREA I WOULD NEVER KNOWN OF THIS ISSUE, AND MY FICO SCORE WOULD HIGHER, THE REAFFIRMATION TOOK PLACE EVEN BEFORE THIS LENDER TOOK OVER AND I HAD REQUESTED IN THE PAST TO HAVE MY LOAN TO BE REPORTED TO NO AVAIL ONLY WHEN I CONTACTED CFPB THINGS STARTED TO COME TO LIGHT I PROBBALLY NOT THE ONLY ONE THIS SERVICER NEEDS AN AUDIT OR SOME FINE THE DETER UNETHICAL BEHAVIOR

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This is for an apartment that I leased for 1 year. I gave my notice to move out on XXXX/XXXX/2013. The lease required a 60-day notice which meant my move-out date would be XXXX/XXXX/2013. I moved out on XXXX/XXXX/2013 but paid for rent owed through XX/XX/2013. I paid all amounts due and met the terms of the lease agreement but was told I broke my lease. I did not break my lease. I did move out early, but all rent amounts due were paid in full. I called and spoke with the manager, XXXX, in XX/XX/2013 and she agreed the account had been paid and would take care of it. She did not.

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 non-monetary relief
Consumer complaint received 2016-02-22 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
The disputed account has been given ample time to validate their position of maintaining a collection account on my personal credit profiles. It is now time that I request a division of the Federal Trade Commission known as the Consumer Financial Protection Bureau to demand accountability. I have never paid on any account to this organization. This company obtained my personal information from a debt pooling service. There was never a legal assignment or transfer of ownership. FTC v. XXXX XXXX XXXX ( 2009 ) stipulates XXXX criteria f a legal collection process : 1 ) The debt must be within the resident jurisdiction of legal collectability 2 ) the ownership transfer must be in hard copy documentation, backed up upon request and 3 ) the individual must be given ample notice or 30-days that the legal collection could be posted on a person 's credit report is not rectified within said 30-day notification. In this matter, the collection company failed on all three criteria. The CFPB needs to monitor and sanction Cavalry Portfolio Services, and a " Cease & Desist '' must once again be administered against this company for such illegal collection practices.

Company response to consumer: Closed with non-monetary relief