vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I got divorced in 2012 and my financial situation changed drastically. I have appealed to PNC Bank/PNC Mortgage for assistance with reducing my mortgage payments from {$1100.00} a month to a more affordable amount but they have refused to work with me by continuously stepping outside of the law to delay modification. I have used several organizations along the way to assist with getting PNC to modify my loan but I got ripped off and ended up in an even worse situation than before. PNC will not accept the Divorce Decree or Quit Claim Deed as the foundation for why I need the loan modified without the assistance or signature of my ex husband. The original loan was in both our names, but since the divorce, I needed to modify the loan so I could afford the payments. PNC will not assist me because my ex husband no longer lives in the home or has any rights to the house. My Divorce decree is a legal binding document which shows that the home was awarded to me, and my ex husband has no rights to it. PNC has done everything in their power to delay the process for assistance, which through the XXXX XXXX Georgia program, I am very much qualified for. I need help badly. My home has been in a place of foreclosure about a dozen times, and I always manage to get it out through bankruptsy filing or by other means. I have done everything PNC has asked and when I complete a packet and send it to them they go against what they themselves have asked me to provide, and decline my request. Every single time, over the past 4 years. I am behind in my mortgage, an every time PNC denies my packet, it adds more money to what I already owe them. I have reached out to everyone at PNC but they say their hands are tied because the loan is owned by an investor XXXX XXXX XXXX XXXX and the investor does not take part in the modification or XXXX programs. They have created new rules along the way and have used every opportunity to stop my packet from going to full review and approval. Their tactics are illegal and it has been going on for 4 years now. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have a bank account with pnc bank. I had a over draft of XXXX dollars. they charged me XXXX over draft fee. then a administration fee and XXXX dollars every week over drawn reacurring fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called outside of 8am-9pm
Company: Eastern Account Systems of Connecticut, Inc.
State: AZ

Complaint narrative:
XXXX/XXXX/2016 XXXX XXXX XXXX calling from XXXX, returned my XXXX returned call. XXXX called me at XXXX in the morning wanting to talk to XXXX, who has resided over a XXXX miles away, in Texas, for nearly a decade. We live in different states, with different area codes. He claims he did n't know. He is a bill collector, he knows where that relative lives. He knows that he is not to call before XXXX or after XXXX, it is his profession to know. XXXX XXXX said he would take my phone number out of their system.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
I am requesting validation of debt against this so call LAW FIRM XXXX XXXX XXXX XXXX " Legal Recovery Law '' I am very well aware of my rights and wont hesitate making a complaint against LAW FIRM with the FTC if they dont specifically validate the debt with all requested bullet points in what I expect from them to do step by step. PLEASE FOLLOW ALL LEGAL PROCEDURES TO PROVIDE ALL INFORMATION REQUESTED

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 360 MORTGAGE GROUP LLC
State: CA

Complaint narrative:
We applied for a mortgage modication through our mortgage company. We sent in applications for XXXX type of modifications. XXXX application was through the HUD website and the XXXX was from the mortgage company. XXXX were rejected for additional information which was the whole modification package plus more information. It was very clear we were getting the " Run Around '' They told us the application was blank in certain areas and items were missing. The application was not blank and was scanned and emailed to the mortgage company as well as sent by priority mail via the post office. We completed alot of paperwork spending hours of our time. We bought printer ink, printer paper, stamps for priority mail and spent our precious time completed XXXX documents for this modification. We kept copies for our records. We do agree with a few minor math issues but it was clear to my wife and I that 360 Mortgage was running us ragged. Wasting our time and telling us we sent them blank applications. Of course we did not send in blank modification applications. We have decided not to send further paperwork until we speak to an attorney. It is clear they have their own motives for delaying us with requests for documents that were already sent. We are very unhappy with this treatment and wish to file a formal complaint into their business practices.

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 2016-04-11 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: CNG FINANCIAL CORPORATION
State: FL

Complaint narrative:
Stated his name is XXXX and that he is calling on behalf of the state legal support service department and he was order to dispatch someone to the residence or employer of my name. I am to be serviced court documents. That I will need two forms of documentation and if I have questions or concerns to contact XXXX. Failure to do so will result in a bench warrant by XXXX tomorrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-10 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Legal Recovery Law Offices, Inc
State: CA

Complaint narrative:
Daughter was placed as POA for my Father from XXXX. During this time, debt was accrued in my Father 's name by use of his SSN. He was hospitalized during times that funds were misappropriated. Father and I ( son, his current POA ) have already had to go to court with this law office over another debt committed by the Daughter in question. Collection law office employs attorneys who have been disbarred multiple times as well as those who send letters claiming that my father has made requests to obtain balance. All false, concerned, I called in to verify that this was fraud similar to what took place last year. Debt collector was rude, misinformed and disclosed vital information about my father without my or his permission only to let me know we are not being sued. When told we were not being sued, then 'why the harassment ', I asked. To which they responded, unless i have an attorney they recommend we end the call as we have reached an endpass.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: I.Q. DATA INTERNATIONAL, INC.
State: FL

Complaint narrative:
In 2014, I visited a apartment complex by the name of XXXX XXXX on a Sunday afternoon. I inquired on a XXXX bedroom apartment and I filled out a application to be qualified for the apartment. I was told that it was Sunday and they would not be able to give me an answer until later on down into the week regarding the status of the application. I still filled out and gave my application fee. I left the complex and got home. less than XXXX hours later I called the apartment complex and told them I had changed my mind on the apartment and to not process the application. I thought this was over with. I did not ask them to refund the appication fee or anything. So I was shocked when I saw this account of my credit profile as me owing them money for a apartment that I never lived in nor signed a lease for.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 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: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
In XXXX of 2015 my family and I moved from our residence at XXXX XXXX after the property refused to renew our lease For which they did not provide an adequate reason as to their decision even when requested via email ( see attached ). We gave the apartment manager our contact information and requested that a ledger of any cleaning/repair after move out be sent to us ( attached ). Our schedules did not allow for a walk through with the manager however we did take pictures and have attached them to this complaint. 

We believe that we were not allowed to renew our lease as retaliation for numerous complaints that we made to management regarding appliances that did not work, health issues caused by inadequate living conditions etc. All of which they were reluctant to fix or did not at all fix. 

After moving out we never heard anything from XXXX XXXX or IQ Data for that matter not a letter, or phone call.We assumed that our security deposit had been used for cleaning and any repairs that might be needed. However, we never received an invoice or itemized list of the work that was done as is our right to receive. 

Last month we were notified by XXXX XXXX that there was a collection placed on our credit reports for the amount of {$4200.00}. We had no idea what this debt could be for since we occupied the apartment for 2 years most of the repairs & cleaning were not beyond normal wear and tear. We also never got a letter from IQ Data stating we had a debt that may go to collections instead they sent it right to our credit report with no attempt to come to a resolution. 

After a dispute was made with the credit bureaus IQ Data sent us nothing more than a copy of a minimalist walk through checklist created by the property which claimed that everything needed to be replaced including the entire carpet ( citing pet damage when we did not own a pet ), doors, appliances etc. They even finally replaced appliances that we had been complaining about for months prior to moving out. There was no break down of cost on this checklist, no receipts to justify how they got to that total.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
Last XXXX I took out a payday loan through Check N Go. A few weeks ago I was contacted by a law firm based out of Texas called XXXX XXXX XXXX XXXX XXXX, stating that Check N Go was going to sue me ... unless I paid {$700.00}. I was a dummy and gave them my credit card information over the phone to set up payments ... then cancelled my card thinking it was a scam. I was sent a document via email to sign verifying my payment agreement, which was apparently XXXX. I was told this was taken care of from the law office, not another debt collection. Different phone numbers and location, but XXXX automatically transferred me to the same woman who keeps calling from the law firm, XXXX XXXX. I contacted Check N Go, and the debt was sold to XXXX XXXX XXXX, then contacted them, and the debt was only for {$500.00}, and they said it has been bought by XXXX XXXX XXXX. None of this is on my credit report, nor have I received anything in the mail from any creditors listed above. I just do not know how to figure out what is real and what part is a scam. I live in Ohio ... and all of this is coming from Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
Merchant Credit Association Collection Agency was assigned my charged off debt amount {$36000.00} on XX/XX/2011. Since Merchant Credit did not own the charged off debt amount, they had to work XXXX XXXX XXXX to report false monthly growing debt amounts to the credit bureaus for over 6 years!! I did not find out about their illegal credit reporting until I requested my credit reports from the credit bureaus. Here is what I found & tried to disputed them and have the incorrect debt accounts deleted immediately. 

1 ) I do not have a written contract with Merchant Credit Collection Agency, nor did I promised to pay them and, I never sent them any payments. 

2 ) Merchant Credit Collection never sued me and won a court ordered Judgment against me. 

3 ) Merchant Credit Collection along with XXXX XXXX XXXX secretly and willingly charge my charged off debt account/s 12 % compound annual interest rates for over 6 years even now. When they knew XXXX XXXX XXXX had a written contract with me for 6.49 % annual interest rate. 

4 ) Merchant Credit Collection never bother to send me any monthly billing statements over the years and even now, but they see fit to charge and falsely report monthly growing debt amounts information on me for years and now too. ( Truth In Lending Act ) 5 ) While I started my credit bureaus, creditor and Merchant Credit disputes, my credit scores mysteriously took a sharp dive from XXXX to XXXX. I guess to retaliate against me for requesting written proof of the higher debt amount/s. 

6 ) Merchant Credit Collection was only reported on XXXX credit bureau, and the charged off debt was and still growing every month for years. 

*** Time barred debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 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: ONLINE Information Services, Inc.
State: IN

Complaint narrative:
Online Collections reported a debt as unpaid open collections years after it has been paid. This misrepresentation is a violation of FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
IQ Data International made a phone call to my cellphone after they have received and signed for a letter informing them not to call, that I will only conduct business with them in written correspondence.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: MD

Complaint narrative:
My Case Number was XXXX. I contacted you 'll in XXXX XXXX. The Problem is again with Select Portfolio Servicing. I know we are being overcharged, Since XXXX every year, the Mortgage has increase. We have A fixed Interest Rate. The reason was Taxes and Insurance Increase every year. I disagree! I can prove that we are being overcharged. Probably since Select Portfolio had Mortgage. I Contacted them in XXXX XXXX. When we receive A Letter that our Mortgage was increasing again. I told them and put it in Writing, we will pay our own Escrow. As of XXXX XXXX. And that 's what we have done. Now XXXX XXXX. They trying to say we owe them XXXX and our Mortgage Increase to XXXX. I Refuse to pay them Escrow. Because I knew they were Robbing us, I just had to prove it and I did. XXXX I Paid only Loan and Interest for the whole year. We pay our own Taxes and Insurance. The Company has been robbing us since the Mortgage have been sold to them. The Payment for XXXX Increase to {$1500.00}. That was including Escrow. Principal {$440.00} Plus Interest of {$540.00} Total of XXXX. I Pay XXXX Every Month on time. For XXXX. Put XXXX on the side for Taxes and Insurance. Still does n't equal out to what this Company reason are for keep Increasing every year. I need Help I 'm not convince that the Loan Balance is Correct either. All I should have left on my Mortgage is 12yrs. and the Balance is still at XXXX Something is seriously wrong. I would like my case to be Reopen and Investigated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
Your options do not include the reason for this complaint. Calvary Portfolio is collecting a debt that is outside of the federal obsolescence time frame provided in the Fair Credit Reporting Act. The original creditor was XXXX. My last payment to them was in XX/XX/XXXX. Calvary has incorrectly listed that payment date as XX/XX/XXXX to keep this on the credit bureau longer than the law allows.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received calls from this alleged company on XX/XX/XXXX,XX/XX/XXXX, and XX/XX/XXXX. It was left in the message that if I dont respond or comply, then they will take legal action etc ... I also called the comapny back to confirm of the call I was insulted with this statement " its sad that you dont even know about your own debt ''. My reply back to the person " Sir I dont know if you were trained properly but that is not how you properly deal with customers and will be notifying the proper authorities in reagrds to this ''. The person called back in which I didnt answer the phone. When I checked my voicemail it was music playing in the background from a T.V. Show theme.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: NM

Complaint narrative:
Called the company trying to negotiate a payment plan/lower bill. After speaking to the person from the company I was told I needed to pay XXXX dollars a month. I responded with " I am not able to pay that, I have XXXX kids. '' After a lot of bickering from the representative I was then told that " you are now on a list of people who refuse to pay their debts '' and was immediately hung up on.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
In XXXX XXXX I went to a XXXX to get help with my feet, starting in XXXX I called XXXX a week in an attempt to pay the debt. XXXX office never returned calls or messages. In XXXX XXXX XXXX, I received my first collection letter threatening to impose additional efforts. So XXXX XXXX, I walked into the doctor 's office and asked them if I can pay my bill. Doctors office said no, we do n't do that here, they took a message and a billing supervisor called to take " full payment '' {$550.00} as reflected on my bank statement. I also asked the Doctor 's office to resolve the issue with the collector. The billing supervisor and the doctor 's office promised to resolve the issue. XXXX XXXX I got another collection letter, so My husband called the collector and asked them to call and resolve an already paid debt. XXXX XXXX I received my 3rd letter and called collector personally to tell them it was paid. Message machine no one available. 

Given the doctor 's violations and the collector 's violations it would be helpful to get some assistance to resolve the issue.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ORG GC GP BUYER, LLC
State: OH

Complaint narrative:
Debt collection companies have been calling my phone number for approximately 8 years asking for XXXX XXXX. I am not him, and have repeatedly told them I am not him and have never known the person. The company in question, GC Services, has called me roughly 4 times in the past 2 weeks asking for XXXX XXXX and every time they say they will remove my number. I am sick of being called at least once a week by these people when I constantly tell them that XXXX XXXX has not had this number for at least 8 years.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Affiliated Creditors, Inc.
State: TN

Complaint narrative:
Agent did not give mini-Miranda after asking who I was but continued to try to collect a debt anyway. I mailed in the payment once I received the letter. The payment due on the letter was {$47.00} which I gave my debit card to use. They ran the charge for {$51.00} and caused an overdraft in my checking account. If there was a service charge for using a debit card, it was not clear on the bill.

Company response to consumer: Closed with explanation