vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
Tower Loans, in XXXX XXXX, Louisiana continues to call my cell phone 5 times or more a day and leave threatening messages for me to pay a loan payment on a loan that I did not take out. They are coming to my house every single day, leaving letters in my husband 's name with my name hand written on them threatening to add me to a law suit that the loan is only in his name. We are currently unemployed I have nicely explained our situation to them and told them we could pay the a portion of the bill monthly but that was it and we have continued to do that and they continue to harass me on a daily basis.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 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: CA

Complaint narrative:
I rented an apartment from a company - when I moved out they claimed I had a balance due. They are incorrect and are trying now to collect on a balance that is not correct. I have paperwork proving otherwise. 

They have sent me to a debt collector - I 've told the debt collector I deny the debt - the debt collector has mailed me a " proof '' of the debt - nothing signed saying I agree to the debt - just a " bill '' for something that is incorrect. 

I 'm told I will need to hire a lawyer to even begin to fight these guys and they are suggesting they are going to start reporting me to the credit reporting things. 

What can I do to fight this without having to waste time and money going to court to prove something I 'm not responsible for?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
Attached evidence of fraud by debt collector XXXX XXXX XXXX, debt collector creation of e-title agency, and under the control of its parent company XXXX, SELECT PORTFOLIO SERVING, XXXX BANK AND XXXX BANK inflating Principal balance increasing, rather than decreasing. assignments fraud, substitution of trustee fraud, etitle agency fraud, debt collector law firm counsels XXXX XXXX XXXX XXXX XXXX notary fraud, notary stamp fraud, DOCUMENTS prepared by debt collectors and XXXX with tutle of document control who had no knowledge what they are signing when XXXX XXXX forms are sent from debt collector law firm XXXX associates, XXXX XXXX XXXX and XXXX associate and it subsidiaries they use .PO.BOX OTHER ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Telephone : XXXX Facsimile : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile : ( XXXX ) XXXX Virginia XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Main Phone : ( XXXX ) XXXX Facsimile :

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29 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: EOS Holdings, Inc.
State: OH

Complaint narrative:
EOS CCA ( XXXX ) I have a a unverified account from. I had previously disputed this account. I have never done business with XXXX XXXX XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt XXXX purport I owe. I request that XXXX XXXX XXXX Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that XXXX XXXX XXXX Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I recently pulled my credit report and discovered that this company has reported that I owe them a debt. I was never notified that I owed this company a debt and further more I never entered into a contract with this company and they have never provided me any services. I was never afforded my rights according to the FDCPA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-07 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: LA

Complaint narrative:
Was told that first payment was gon na be slightly higher but paper work state something totally different need exact amount of first payment

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: KS

Complaint narrative:
The loan has been paid back for several years and I am being contacted illegally at work which is jeopardizing my employment. XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I have never had an account with XXXX energy. My electric services when living in XXXX NC was with XXXX XXXX for some years ( which was taken over by XXXX XXXX in XXXX, i believe that is when the merger happened ) and I never had a lapse in my electric service due to an amount due. In XXXX I moved out of XXXX and have had my electric services with XXXX XXXX since. I did contact 'Online Collections ' in XXXX of XXXX and requested documentation outlining what the debt was for along with the time frame debt occurred. I was told ' You just dont like to pay your electric bill ''? I was also told XXXX energy sent me this information and I should pay this bill. I replied with if you can supply me with documentation that this is my bill .., I will happy to pay. Online Collections then indicated on my credit report that I agreed to pay and now am disputing. As well they never have supplied me with any NONE nothing.., documentation at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
On XX/XX/XXXX I had an XXXX performed by XXXX XXXX XXXX. This procedure was covered by my medical insurance ( XXXX ). I provided XXXX XXXX XXXX my insurance card and the procedure was performed. 

Months later I received a bill for the above procedure. I called my medical insurer provider to inquire why. According to my medical insurance provider " XXXX XXXX XXXX sent the bill to the incorrect address '' therefore the bill was not paid by my insurance company. As per my insurance provider they provided the XXXX XXXX XXXX the correct billing address. '' I also called XXXX XXXX XXXX and provided the correct billing address just to make sure they had it right this time. From that point on I did not hear back from XXXX XXXX XXXX. Based on my conversation with my insurance provider it appears that XXXX XXXX XXXX submitted the bill on three different occasions, all three times to the wrong address, they had also submitted the bill past the one year filing limit. 

Sometime XX/XX/XXXX, XXXX XXXX XXXX reported to the credit reporting agencies that I had an unpaid bill ( this now shows in my credit report as a " collection '' ). I only became aware of this after checking my credit report, something that I do on a regular basis. At that point I contacted my insurance provider and the collection agency in order to determine why this was happening. I spoke with the collection company and explained my case, providing them all the background information. This did n't work. I have received several calls with intimidating tones and innuendos from the collection company. Many of these calls are during my work hours and are harassing in nature. 

Attached is the " explanation of benefits '' from my insurance company. In the claim summary, under " member responsibility '' it clearly show that I 'm not liable for the amount, Further down in the explanation section it also shows ( item TFO ) that the service provider, XXXX XXXX XXXX submitted the claim past the filing deadline. 

I believed this now a matter between XXXX XXXX and XXXX XXXX XXXX. I 'm in no way involved since I 'm covered for this procedure and I paid the required amount based on my health insurance coverage. I feel that this in unjust and unfair and that XXXX XXXX XXXX through its collection agency has damaged my credit, negatively impacting my financial future and potential transactions, and also possibly placed my job in peril as I 'm required to undergo periodic background checks based on my present position.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Sierra Holdings LLC
State: MI

Complaint narrative:
I was approved by Sierra Auto Finance, XXXX, TX for a vehicle loan in XXXX 2016. I found vehicle at XXXX XXXX XXXX, XXXX, MI-signed applicable documents, paid my down payment and took possession of said vehicle. XXXXfour days later, I received a telephone call from Law Auto Sales explaining that Sierra is unwilling to fund my purchase because Sierra can not verify my income after both Sierra and Law Auto Sales verified such income prior to me signing the " Retail Installment Sale Contract '' and taking possession of my vehicle. 

To date, I have yet to receive a letter of denial of credit from Sierra Auto Finance or Law Auto Sales. In lue of all this confusion, Law Auto Sales instructed me to pay them my monthly payment until further notice. I have been paying Law Auto Sales each month on time for the last four months. Law Auto Sales are refusing to report my credit history to the XXXX or any credit bureau. I have had numerous conversations and over XXXX e-mails requesting that my data get properly reported to credit bureaus and to date, I have no response of satisfaction nor reporting to credit bureaus. 

It is my hope that you will be able to assist me with this most urgent matter. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Sierra Holdings LLC
State: GA

Complaint narrative:
SIERRA AUTO FINANCE ... XXXX REPORTING ID FRAUD ACCOUNT, NOT MY ACCOUNT NEVER DONE BUSINESS WITH COMPANY AND NEVER HAD AUTO LOAN

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I wrote a check with a balance less than the check amount. This check was written to my landlord, who routinely does not process that check for weeks. I monitored the account at least twice per day, to see if that check had been presented for payment. I did have sufficient funds in a savings account from which I could have transferred money to cover the outstanding check. On XX/XX/2016, I made a deposit by check, in an amount that provided funds in excess of the amount of the outstanding check. On XX/XX/2016, I checked my account and discovered that PNC had charged me a {$36.00} insufficient funds fee, the check to my landlord had been paid and my account had a balance of over {$100.00}. PNC had processed the check before processing my deposit. That deposit was made inside a PNC branch and by a personal check made from my other checking account ( I had received a larger deposit in that account ). I believe that PNC processed the debit before the credit in order to generate the insufficient funds fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Collection Information Bureau reports to the credit bureauan account for {$36.00} and {$70.00} unknown to methereby preventing me to get a mortgage and forcing me to pay the debt

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
This complaint is regarding Loan # XXXX with Chase BankAfter my husband 's passing on XXXX XXXX, XXXX I informed the bank in person of his death. The title is in my name as well as the deed to the home. 
The loan was in his name only. Due to my financial circumstances at the timeI was advised that it would be best to leave it as is for the time being and just continue making the monthly payments. There was no guarantee that I would qualify to assume the loan. This scared me. So I did my best to continue making the payments monthly. 

In the months of XXXX and XXXX XXXX I faltered with XXXX payments. Currently I have been 2 months behind since then. But have not missed XXXX payment since that time. 


I have made several attempts to Chase Bank to resolve this and get a snap shot of the loan. Because I am not on the loan they are not authorized to speak to me or give me any information. I advised them that XXXX had passed away. I was told to send a copy of the death certificate and a copy of my Grant Deed. They also requested an estate letter which I do not have. 
When I called back to fax it over I was rejected by the person that I had spoken to. And left in limbo again. 

When I had received a certified letter regarding my loan being in default no one would speak with me. 

On XXXX XXXX, XXXX I went in person to the bank to make my monthly payment. My money was refused and I was informed that it had gone to the foreclosure department. 
Upon presenting my power of attorney letter I was told that they would n't accept this either. Since the POA was dated from XXXX. There is no expiration on the document. 

I was told that I owe {$12000.00} in back pay for the last six months. But I have been paying every month. When I asked where my money was going, I was told that they did n't know. So even though all my payments have cleared for the last 6 months they are saying that I have n't paid. But I am still in the same predicament not being able to be informed about information on this loan. Since this time I have sent over to the Chase Corp. office documentation of the Grand Deed and the death certificate. 

I want to resolve this issue by agreeing to start a payment arrangement to pay off the existing late charges. Because they rejected my XXXX payment I am now three months behind and officially in default. I believe that this was totally unnecessary to deny this payment. They have taken all my payments for the last two and half years. Then suddenly they have decided to quit taking my money. It seems like they are intentionally trying to make me lose my home. I was only 2 months behind. Not 6. 
Please help me get this matter resolved. I am a responsible XXXX year old woman. At the time that I originally defaulted my finances were very tight and I was trying very hard to pay my bills. Since that time I have been working and have managed to make every house payment monthly.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On the XXXX of XXXX some went into a bank in New Jersey and deposit a check for {$3500.00} into my daughter account She lost her debt card few weeks ago on the bus, Someone must of pick it up and use it @ XXXX for {$1900.00} then went to Atm and withdrawl {$500.00} At the time there was No money on her card How they let them transaction happen i dont know Now her account is - {$2400.00} and they want me to pay they been taking all the money out of my other account as well They denied my despute and there reason was They check the history of Atm uses and said there were different people using her card Which is not true

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: OH

Complaint narrative:
Stonegate Mortgage Servicing has been rude and abusive to my inquiry on escrow/tax refunds due to me. Said they would call me back but I have had to keep calling to inquire through this process. I was told only XXXX manager was in today and could not speak to me. This is a separate issue but they only have XXXX manager for the entire servicing office that can handle escalated matters? Sounds like they are understaffed to handle sensitive issues and escalated matters properly. So, they received a check of my returned funds back from XXXX, their vendor partner, on a double payment and deposited those funds on XXXX XXXX. I called back a week later and was told they were not processing my funds until sometime in XXXX? They can process funds in 1 day from their own vendor partner but it takes 18 days to return funds to a consumer? Why so long? This is unfair to me and other consumers.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Just by coincidence my mortgage company customer service dept told me my escrow was almost {$5000.00} short. With further digging I was told that when I refinanced in XXXX 2015 the homeowners insurance somehow was not included by the servicer although it is on the good faith estimate and the HUD statement. This means for last year no money had been put in my escrow for homeowners insurance although my monthly payment at closing was calculated based on taxes principle and insurance Now I face an extreme shortage in XX/XX/XXXX which is when Texas does annual analysis. I am so angry thinking that all along all my fees were being paid when I paid my monthly payment. I have spoken with the mortgage company and the company that did the refi application today and they are looking to see what happened. They should be held responsible as they made me have this shortage. If my monthly mortgage payment was to include my homeowners insurance, where is that portion of my monthly going if it has not gone towards the insurance?

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 2016-11-18 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
The company Professional Adjustment Corp, is report a debt is not mine that need to be remove off my credit report. There is XXXX account XXXX is {$190.00} and the other is XXXX balance but is report in a negative report against me. I sent this company a request for Validation of this debt. But as I stated in the letter if no respond in XXXX must be remove from my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank in XXXX, N.C. summited a loan application to XXXX without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 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:
XXXX/XXXX/2016 I was charged a overdraft fee when I had more than enough money to cover the bill. : The following items posted against insufficient funds : Item Amount XXXX XXXX XXXX PA {$36.00} Item Paid Final Available Balance as of XXXX/XXXX/16 : - {$42.00} This balance does not include the fees listed below. 

Fee ( s ) totaling {$36.00} will be charged on XXXX/XXXX/16. 

I opened two other account attached to the same card and the young lady who assisted me with opening the cards asked if I wanted overdraft protection. She was told YES. 

I spoke to a young lady today and she stated although I had enough money in the bank to cover the cost, the check mark was not checked for this account to cover incidents like the one mentioned. 
Again, I opened the other accounts inside of the branch and was verbally informed by the attendant that the protection would avoid me paying over draft if I had the money in another account. 
As a housing counselor, I felt the wallet was user friendly, I have spent several minutes looking for the check mark the CSR spoke of after telling me there was nothing she could do to help me ... and I still have yet to find it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
My name is XXXX XXXX from XXXX XXXX XXXX I have been working with PNC Loss Mitigation Department and I need your help! Our file is being refused for review because previous companies have failed to do there due diligence in correctly completing the short sale application. I spoke to XXXX XXXX from the Loss Mitigation and she had explained company policy but I beg you on behalf of the HomeOwner and myself to please assist in this matter. The HomeOwner has an auction date of XXXX XXXX. We have a full file and fully executed contracts with a Cash Buyer. Please see attached documents and help me in this matter.

Company response to consumer: Closed