vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU ACC # XXXX I have report your company to consumerfinance.gov Case number : XXXX WITH CFPB ( NO RESPONSE ) **THIS IS A REINVESTIGATION As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the XXXX California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX SOC SEC # XXXX DOB XXXX ADDRESS XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I was unexpectedly laid off from my job in XXXX 2013, that lead to financial hardship that caused me to miss some mortgage payments. After going back to school and testing I started working as a realtor. During that time we applied for a loan modification with PNC bank. We were a customer for over XXXX years with a solid history of making mortgage payments. After being accepted for a loan modification, which would increase my monthly payment {$400.00} dollars, I appealed to have my mortgage payment lowered to where it was before. The appeal was turned down. I then accepted the terms offered to me but was turned down because they said I waited too long to accept their terms. I then was instructed I would have to re apply and submit a new packet to be considered again. After a almost two years of sending PNC my financial docs and letters of employment I was turned down again. They said the process had taken too long. All during this time my financial position has gotten better, I am working XXXX jobs and my wife works as well. We are making enough income to resume making our mortgage payments. I believe that PNC has not acted in good faith during these negotiations. I was called on the phone XX/XX/XXXX and was told I had one more opportunity to re submit a packet for review. I sent in a new packet and called PNC a day later to make sure they had received it. They say they had but were closing my file because I had been turned down twice previously. They did not even review my application, even though my income is well above the amount needed to make my mortgage payments. I did not receive any notice in the mail that said my app was rejected and no reason given. This is bad faith negotiation. I believe the real reason is because the amount I owe the bank is {$220000.00}, and they bank has appraised our homes value at over {$400000.00}. The bank wants to take my home so they can profit from its sale. This was after they previously appraised my home in the {$260000.00} range. Therefor, I believe that PNC Bank did not negotiate with me re my loan modification with good faith. I submitted paperwork and financial info they requested and they did not review them, thus making a decision to take my home based on bad faith negotiation. It is not fair to me, my wife and XXXX kids, my neighbors, my block I live on, the community or city. The only one standing to benefit is PNC Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
In XXXX I purchased a XXXX XXXX XXXX XXXX XXXX XXXX. XXXX XXXX set up the payment schedule as bi-weekly to coordinate with my paydays. The due date since I entered the contract is the payment to be withdrawn from my checking account the Saturday after my bi-weekly Friday payday. Now, this is the date that the dealership arranged not me. Just recently XXXX XXXX XXXX became XXXX and its been brought to my attention 2 years into this contract that my payment is consecutively late each payment ( twice monthly of $ XXXX monthly on a XXXX pay period month, if there is XXXX pay periods total monthly payment is {$690.00} ) at 19 % interest Im being charged late fees. Now, this was not my error or doing and I would like my account credited from the time of purchase to present being that Im paying extra interest and late fees for their doing. I 've made every payment on time to my contract and if the contract was written to pay late then that 's a serious concern to me since I feel as if theyre ripping me off. I was told my payout for this XXXX XXXX XXXX is still over XXXX. This is an outrage!

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 2016-01-07 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
To whom it may concern, I have been a member of Paypal for years without any interruptions or obstruction towards my account. Well, recently opened up a business account on Paypal that specialized in web services. To which, very recently, Paypal had limited my account and asked that I provide documents to prove my identity and such. I followed their instruction to the letter, and yet they decided to close my account. The worst part is that they are trying to withhold my funds from me within the account ( funds that would put me back financially ). I have asked politely asked them to release the funds to me, and I will take my business elsewhere, but they have not responded to said matter. They completely circumnavigated my letter. Again, it is alright that I am to part ways to Paypal, but I disagree with their notion of trying to push me around by holding my funds and ignoring my letters. I simply wish for my funds to be released. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Mortgage
Issue: Communication tactics — Called after sent written cease of comm
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Mortgage was notified of representation of the borrower on XXXX XXXX. Communication was sent to the Negotiator, XXXX XXXX, of the short sale to cease all communication with everyone except for the attorney. Negotiator continued to send communication to the borrowers and to the borrowers ' realtor. I called in XXXX and was told we would not have a counter until XXXX. A fax was purposely sent only to the realtor as to avoid communicating with the attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Debt collection — Federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: MS

Complaint narrative:
I was called about a student load that can not be found for the amount. I called both my school as well as XXXX. I have a company called reliant capital solutions calling and said I must pay.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I SENT PAYOFF PAYMENT TO COMPANY. COMPANY HAS NOT RESPONDED TO MY NOTICES.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC refuses to acknowledge their property tax rate for my property is wrong. I 've provided documentation stating as much. Now they continue harassing me by saying that I 'm in risk of getting reported to the credit bureaus for not paying. However, I 've never missed a payment and refuse to pay more than what I actually owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I had a revolving HELOC XXXX 3.0 %, {$180.00} payment, interest only XXXX which was to expire XX/XX/XXXX. XX/XX/XXXX PNC Bank sent me a letter offering me a fixed rate 30 year HELOC at 3.84 %. I applied for that loan, and was approved. 

Then, PNC went back and did an appraisal on the home and sent me a letter stating they could not loan me {$75000.00}, they could only offer me {$73000.00}. 

They re-wrote the loan again, but this time the interest rate was 5.24 %. This increased my payments from {$340.00} to {$400.00} a month. I feel this increase may hurt me in the long run. I am a single income household. My wife passed away which has decreased my monthly household income by over {$600.00}. 

I have tried to work with PNC to find out why I was not given the 3.84 % as they had promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: AL

Complaint narrative:
I looked up deferred payment on the wed site of Bridgecrest and call as asked for one. I was told they do not have a deferred payment plan at this time. I asked to be transferred to a supervisor and she told me I had to provide documentation before deferred payment could be provided. If a company has a deferred payment plan it should not require consumer to provide proof before even considered. Deferred payment only moves one payment to the rear and should not be hard to do when the consumer payment record shows no late payments or missed payments. I am a XXXX veteran and to see a company not provide services to consumers is unacceptable.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW FINANCIAL wrongfully reported a 30 day negative mark on XXXX accounts dropping my credit score about XXXX points. On or about XXXX XXXX, 2015 I posted two payments on XXXX accounts with BMW FINANCIAL. The payment was post " on '' the 30th day. BMW FINANCIAL still reported both accounts as 30 days late. This is a false reporting as a complete 30 days did not pass without a payment. I brought this up to BMW FINANCIAL and they states it is policy. I stated how can an account be reported 30 days late if only 29 days passed without a payment. The representative stated that it is open to interpretation. Policies should not be vague and ambiguous. I then requested documentation that supports their policy regarding reporting late payments. Representative said they could not provide documentation. I then asked if how they report late payments in the agreement with them. They said it is not. I also informed them I disputed the reportings through XXXX. Agent from XXXX said their notes show that BMW FINANCIALS could not give a reason why they reported the 30 day lates. XXXX then asked if they could remove the negative reportings. BMW Financial told them no. So BMW Financial can not provide documentation to support their policy, they admired their policy is open to interpretation, and still refuse to remove the 30 day marks. If BMW FINANCIAL does not correct their mistake in their reporting my next step is to retain counsel and file a complaint in civil court for punitive damages for negatively impacting my wife 's and I credit and request sanctions against BMW Financial for violations under the FCRA. I have proof of payments made and if it goes legal then can subpoena communication between XXXX and BMW Financial.

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: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
This account has been illegally reaged. I first found out about it when I attempted to lease an apartment and was declined. Most complexes go back about 2 years however, this particular company shows up as being recent XXXX XXXX. I have not lived at that apartment in almost 2 years and I first started receiving calls about the debt XXXX XXXX. So now every time my credit is checked I.Q. Data comes up as being recent and it is not recent.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
More trickery from PNC. ( XXXX ) transactions were shown as pending on my account, in the amount of {$270.00} and {$290.00} for several days. They remained in pending status until the funds in my account were no longer sufficient to cover the transactions, then they went through 2 days later. After the transactions did not show as " pending '', I assumed the balance on my account was current, and budgeted off that balance. Even though the transactions were shown as completed, they did not go through until 2 days later. So I was basically budgeting off a fake balance. Just another trick PNC uses to force customers into overdraft, which I am now at - {$310.00} including overdraft fees. This number will climb as I have XXXX more online payments going through this week, XXXX in the amount of around {$7.00}. PNC will extract a {$36.00} fee from a {$7.00} payment. Once it 's all said and done I will be nearly - {$400.00} and unable to make next month 's payments. The balance shown on my account was FALSE. Pending transactions on the account are completed in an erratic fashion, sometimes 3 days to a week later. So I never really know what my balance is. This is misleading and I will not tolerate it. I DEMAND FULL REVERSAL OF ALL OVERDRAFT FEES FOR THIS DECEPTIVE AND MISLEADING PRACTICE. I hold PNC accountable for rearranging transactions, showing false balances, and keeping transactions pending until funds are insufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I went to XXXX BMW in XXXX XXXX to purchase a car. I found XXXX I wanted and I also had an older XXXX to trade in. I worked out a deal with the dealer that they would pay off my loan for my older BMW for {$12000.00}. I got my payment numbers down to a number I could afford after the trade in etc of the old car ( {$510.00} ). I went into the finance office to sign off on paperwork. He offered me of course several extra options for warranties etc, all to which i declined bc i could not afford more than {$510.00} per month. He showed me on his computer the XXXX, and if i added anything it would be {$560.00}. again, i said no to anything extra bc {$510.00} was already the high end of my budget. So he printed out paperwork and I signed, not reading the fine print, of course. So I get my bill in the mail, and it is {$560.00}. I looked at the fine print of my contract and I notice that instead of paying my old car loan off, they only paid {$10000.00}, and added the extra {$2500.00} ( my balance was XXXX ) to my new loan. Thats interesting, and dishonest. Do n't tell me you are gon na pay it off then sneak the rest of the money u did n't wan na pay into my new loan. So, i call there, speak with managers etc, and of course all they say is, well you signed the paper. Yes the paper that was supposed to say all the things we agreed on verbally XXXX minutes before you printed them out. This place is a joke. What can I do?? I ca n't pay {$560.00} a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: U.S. Collections West, Inc.
State: IL

Complaint narrative:
I filed Bankruptcy XX/XX/2010. I recently noticed a new collection on my credit bureau. I dispute the collection. I started receiving collection notices demanding payment of {$1000.00}. I explained this lease was included in Bankruptcy. U.S. Collections West, Inc. refused to take down my bankruptcy information. I do n't owe it. It 's been over the statue of limitations in Arizona to collect on this and it was included in Bankruptcy. They are reporting to my credit and it not a true debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
US Collection Wwst company continues to report a false collection account to XXXX BOTH XXXX AND US COLLECTIONS HAVE FAILED TO PROVIDE VALIDATION OF DEBT AFTER THREE CERTIFIED LETTERS HAVE BEEN MAILED TO BOTH COMPANIES SINCE 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ONLINE Information Services, Inc.
State: VA

Complaint narrative:
I received a letter in the mail claiming that I owe debt to a creditor for my daughter that was sent to ONLINE Information Services ( dba ONLINE Collections ). I called the debt collection company to get their professional license number and they refused to give it to me. Also, when they tried to verify my account info and asked for the last XXXX digits of my social security number and my daughter 's date of birth, the information they have on file was incorrect. Further, my first name on the letter was spelled incorrectly. 

I believe this is a fraudulent company and a scam to collect personal information on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: ONLINE Information Services, Inc.
State: KY

Complaint narrative:
On XXXX XXXX, 2016 I received a letter from Online Collections dated XXXX XXXX, 2016 demanding payment for an outstanding utility bill owed to the City of XXXX, KY. That letter is attached. I responded that same day by fax and by Certified Mail disputing the validity of the debt AND providing a confirmation number ( XXXX ) showing that the claimed balance of {$69.00} had been paid on account XXXX. 

Despite this dispute and proof of payment, Online Collections placed this account on my XXXX credit report.I subsequently received a letter from Online Collections dated XXXX XXXX, 2016 cancelling the collection AND agreeing to remove the collection account from my credit files. The account was removed, as promised, from my Equifax credit report on XXXX XXXX, 2016. 

Then, it gets complicated. 

Despite the letter dated XXXX XXXX, 2016 cancelling the collection, and despite my timely dispute of the validity of the debt which was never answered, and despite my providing Online Collections proof the full balance due was paid to the original creditor ( City of XXXX, KY ) on XXXX XXXX, 2016 Online Collections added this collection account to my XXXX XXXX XXXX file. I have attached a copy of that credit report page, as well as documentation that this false account caused an immediate XXXX point decline in my credit score. I have since submitted a dispute to XXXX XXXX including proof of payment to City of XXXX, KY and cancellation of debt from Online Collections. I am awaiting resolution.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company has contacted references on the account and advised them they were going to take me to jail and because I was due in court. Recently they contacted someone name who is an very extended family member that I do not even talk to ever.. that they were looking for me because I was due in court that day and did not show up. They will be picking me up to take me to jail. I have contacted the company a few times already requesting to speak with a manager or supervisor.. Not an account manager and could not get one. Asked for their escalations department.. Would not transfer me. Said no one else for me to speak to. I asked if they follow FDCPA guidelines and she told me yes. Her name was XXXX. XXXX XXXX is the company. I 've read several other complaints online. What can I do about this? They have been asked by the references no t to contact them anymore and they still do it.. They have a good number for me.. but they threaten me when they call. XXXX even told me that I needed to pay my debt and keep up with who my loans are with I had them confused. I advised her this was my only pay day loan, no one has ever threathened me this this. How is this happening? She would not acknowledge the unlawful practices.

Company response to consumer: Closed with explanation