vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We are buying a place in a XXXX. We are XXXX residents but spend a few months in the summer XXXX. We wanted to get pre-approved for a mortgage. We choose PNC since it has offices in XXXX places. We have perfect credit and no debt with XXXX scores of XXXX. So we had problems from the start. Our banker never seemed to know what was happening. He would be sent documents from us or our lawyer and not know he had them. He would promise to call with updates and not do so. He would never know the whole story. PNC picked an appraiser that did not live in XXXX. The appraiser did not know the community. Even though our property was considerable lower in price that comparable properties, the appraiser stuck to his/her position. The banker finally filed paperwork concerning the appraisal but told us it would delay the close. The discrepancy of appraised value to sale price was XXXX 1 %. Another independent banker and a lawyer told us the amount that can be borrowed is 80 % of the sale price or appraised value, which ever is lower. PNC bankers were insisting the contract be changed. Again the banker appeared to be clueless. We are now working with a much more responsible lender. We are only sharing this story in the hopes that other consumers become aware and AVOID PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I previously have had an account with PNC Bank they are stating the account was closed due to fraud. I have previously contacted them in regards to having this corrected from my XXXX report as fraud they never once advised me it was closed for fraud. They have both denied the issue and state there is nothing can can be done for this to be removed. They told me that the account was closed for a charged off balance. I am not disputing that I owe the bank but them saying its fraud when they did not once notify me of this and they are unwilling to correct this is an issue

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: JPMORGAN CHASE & CO.
State: NJ

Complaint narrative:
We were contacted by telephone on Friday XX/XX/2017 XXXX ( EST ) by a representative named XXXX from who informed us that they are reducing our credit limits on our XXXX Chase credit cards because our XXXX debt to ratio was too high and they are considering us a financial risk. We have had these open accounts with Chase for over 2 years - our business credit card with them is over 5 years and they choose to reduce this credit limit also - when it is not even reporting on XXXX report which they said they used to make the determinations. They sent us letters on the credit limit reductions on XXXX of the credit cards but have not to date sent us any letter regarding our business credit card. They claimed to have used XXXX with this determination but how could they if the credit card is not even reporting to XXXX? The reasons they outlined in the letter to us were ( 1 ) rapid increase in revolving balances ( they were not with our Chase cards ) ( 2 ) Balance owed too high ( 3 ) Business Bureau shows PAST DUE HISTORY ON XXXX OR MORE ACCOUNTS. This is a lie and we have demanded them to show us the negative history at request they have yet to comply with - We have contacted XXXX and they have NO NEGATIVE PMT HISTORY - all of our accounts are in good standing - we pay more than the required monthly payments each month to all of our credit cards. This action has created a negative mark on our credit, especially our business. These people lied and continue to lie about the reasons for their actions. We will never do business again with Chase Bank or have another credit card with them. We are considering taking legal action as we feel " violated and insulted '' - we could understand the action if our accounts were delinquent or late payments but we have NEVER had a late payment on any of our credit cards. THESE PEOPLE LIED! 
We are demanding the lies be corrected - they can keep their credit cards - we are in the process of closing all of them. We want all communication in writing from Chase - NO PHONE CALLS. We want them to comply with our request in writing about the negative payment history they claimed to have used for this action. We have never had a credit card company reduce our credit limits and call us and DEMAND to know when and how we are planning on taking care of these balances - how dare they when the accounts are in good standing and we are paying more than the minimum payments each month. We want someone to listen to the recorded conversations we had with this chase department on XX/XX/2017 ( XXXX and XXXX ) and again on XX/XX/2017 with XXXX. These employees should be fired for their attitudes and customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: WA

Complaint narrative:
My home loan lender is Lender Live Acct XXXX, you can not contact them as my loan is serviced by XXXX XXXX XXXX, I have been trying to pay my loan payment for the last 2 weeks today I was able to reach them and found out they updated there system 2 weeks ago and lost all logons so I had to re register in order to logon an pay my payment my loan is not or ever been late but because of there screw up and because they did not notify me or anyone I should not be charged interest for the last 2 weeks its not my fault they did the update and its not my fault they wo n't answer the phone and of course not everyday that goes by they make more money what a rip off. I tried to contact them by email and it was returned undeliverable go figure.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC
State: GA

Complaint narrative:
Tuesday, XXXX/XXXX/XXXX In XXXX XXXX I bought a home in Georgia ; this is my primary and only home. The mortgage is with 360 Mortgage XXXX ( XXXX, TX ). I have several concerns, one being my escrow account has started with a deficit every year since I purchased the home, despite the decrease in property taxes and hazard insurance by about {$95.00}, and the increase in mortgage payments last year to cover the XXXX shortage. Also, in XXXX XXXX I notified the mortgage company that effective this year, I am eligible to take advantage of the Georgia school tax exemption. 

On XXXX XXXX, I called the mortgage company to ask for an explanation about the yearly deficits in my escrow account despite the decrease in taxes. I was told an early insurance payment ( paid in XXXX instead of XXXX ) caused the shortage. Here are my questions : 1. The increase in my mortgage payment last year was to cover XXXX taxes and insurance for that year regardless of when the insurance was paid. If the XXXX analysis of the escrow account was accurate, why did the early insurance payment cause a XXXX shortage? 

2. An analysis of my account was performed XXXX/XXXX/XXXX, but I am not convinced that the decrease in my taxes and insurance was taken into consideration. How can I be assured that it was? 

3. What other factors could drive my escrow balance to be short every year? 

4. In addition to the lesser taxes, will the school tax exemption help lower my monthly payments? 

5. Based on my conversation with the mortgage company, it sounds like the difference between the higher XXXX and lesser XXXX taxes were not applied to escrow. Is there a time frame the mortgage company has to issue me a check for the difference? 

Another concern is regarding the XXXX Form. As of year-XX/XX/XXXX, my mortgage balance was about {$2000.00} less than the amount the mortgage company submitted to IRS. They explained two XXXX forms are submitted to IRS and the second one will have the correct mortgage balance. Is this normal practice and if so, why? 

I look forward to a response.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
I received a letter in the mail from the credit bureau and the information in the letter is incorrect, it belongs under my cousins name not mine.

Company response to consumer: Closed
Consumer complaint received 2015-05-13 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: FINEX Group LLC
State: CA

Complaint narrative:
I had a XX/XX/XXXX Honda Accord, which finally not working in XX/XX/XXXX after running for about 17 years XXXX totaled XXXX miles ). The car was filed as non-operational with XXXX. So, XXXX day some guy left me a note on the car asked if I 'm interested to sell the car. I called the guy and he came and towe the car away. I ask the guy for his personal infomation and went to XXXX and filed the release of ownership ( see attached XXXX record ). However, a few weeks later, I received a letter from the Police saids my car was parked on the side of the freeway and then was towed to a towing yard. At the same time I received a collection letter from Finex Group, acct # XXXX saying I owed {$2900.00}. I called and told them the car is not mine anymore, but they keep insist that I 'm still the owner. I told them I have the XXXX record to show the car is not mine anymore. However, they refuse to remove from collection. I think this is some kind of scram. They purposely buy cars from owners and left them somewhere and then have towing company tow it to their guarage and trying to collect from original owner. I would like CFPB to seriously look into this matter and have this item remove from my credit report. Thank you so much. XXXX

Company response to consumer: Closed
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: National Credit Processing Inc.
State: TX

Complaint narrative:
The company called me threatened to have me put in jail and I would have to attend classes if I did not pay full amount. Told me I committed fraud and had to pay full amount or they will send me to my county court. Contacted friends and relatives and revealed personal information to them regarding my debt. Threatened to take my references to jail as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I have provided documentation that I do not owe the balance outstanding that is impacting my credit score and I have not gotten a response and the account has not been corrected on my credit 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 2017-01-17 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:
The collection rep assigned to my account threatened to send faxed documents to my employers and ensure I pay them. Keep in mind I attempted to notify the rep she was threatening me on a recorded phone line. I have email receipts showing twice were an incorrect zip code is still being entered on their part and XXXX continues to contact a phone number that they have NO AUTHORIZATION to call!!!! I have an email confirming the incorrect zip code was entered again! I also have an email confirmation from my employer reflecting the same issue!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 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: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
This company is reporting a collection on my credit report for XXXX XXXX ( now XXXX XXXX ). I have never had an account with them. This debt is not mine. I contacted this collection agency on XXXX different requesting debt validation and they have responded to none of them. I have also disputed the account with the credit bureaus, to no avail. The account number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
Contacted check n go for information on a payday loan. Company is unwilling to provide daily interest rate or payoff amount on the loan. Talked to XXXX different departments about account information, they refused to provide any information other then the amount currently owed. Spoke with customer service, collections and a supervisor. All were unwilling to provide information on account. They refused to provide information until a payment was processed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Hello, I reached out to I.Q. Data International , Inc. ( also know as, Rent Collect Global ) to settle an unpaid balance that I owed. After dealing with one person on XXXX, and a rude associate today on XXXX, I finally spoke to the operations director. Due to my financial constraints, I am not able to make the full payment of {$5400.00} at this time. I requested to set up payments, and they denied that saying that I need to find another way to pay the debit in full. They recommended taking out a personal loan with XXXX XXXX XXXX. I went online to apply, and was denied the loan. I called them back to tell them the results, and they said they could n't help me. They made me feel bad that I did n't have other means to pay this in full ; i.e. a credit card, a family/friend, or 401K. They said they would be taking further actions to collect on this debt and that they are reporting this to be credit bureaus, which would affect my credit score. When I asked what the further actions would be taken, they said they did n't know or could n't tell me. I asked to speak to someone that could tell me, and they said there was no one there that could tell me. I asked for another solution and they said there was n't one. To be clear, I ended the conversation saying that I am acknowledging the debt that I owe, I am voluntarily reaching out to you to make good on this debt, I am trying to set up payments to repay the debt, and you are denying me the right to make good and further going to tarnish my credit score. They said correct, and wished me the best of luck. I 've never dealt with anyone in my XXXX years of life that would n't take payments to settle a debt. Its unfair, and not the American way to further ruin my credit when I am trying to make good on a debt. These conversations are all recorded per their policy and can be verified.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I am writing to you because I am at my wits end. Attached is a letter I wrote to XXXX to try and resolve this without going to your organization, and they aggressively told me to pound sand. All of the salient facts in the matter are included in the letter, so please review. I think that companies reporting to the credit bureaus are unscrupulous and unfair. This account has been held by many creditors. First XXXX, then Global Payments, then Cavalry, now XXXX, XXXX, and XXXX, a law firm here in XXXX. I believe what they are doing to me is unethical at best and unlawful at worst. They keep reporting my debt as a new one yet the last time a XXXX was used by myself or my family was at least 8 years ago. How can they legally do this? I am contesting the validity of this debt. My problems began with XXXX. I attempted to close the account in 2006 and they refused to allow me to do so until I committed to a payment plan. In retrospect, I should have terminated all contact with them right then and there, but as is my want, I attempted to appease them. I believe they charged the account off that year and then sold it to the next firm, who sold it to the next, and the next. How long can they continue to report this debt to my credit report? As you can see in my letter to XXXX, I believe strongly that they have been keeping this debt alive as a methodology to scare me into settling a debt that I dispute. Please investigate to see how many of the charges they claim are actually usury interest rates and late fees. I can assure you that this is the lions share of the debt. It is predatory and deceitful. I am hoping that you have enough information to get resolution on my behalf. Thank you in advance for your efforts to rectify this matter! You are my last resort!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Accounts Research, Inc.
State: TN

Complaint narrative:
Accounts Research ( " Debt Collector '' ) had indicated their intent to file a judgment on medical bills owed by my wife and I ( " Payees '' ) of approximately {$2500.00}. Debt Collector and XXXX XXXX XXXX ( " Creditor '' ) would never provide documentation supporting this amount. 

Instead of having wages garnished, Payees agreed to an " Agreed Upon Judgment '' without verifying the debt in order to prevent embarrassment from the community as well as employers. The Payees would make an initial payment of {$500.00} and subsequent payments of {$200.00} until receipt of a tax return, at which time the balance would be paid in full. The agreement was signed by Debt Collector and Payees and notarized and presumably filed with the judgment. Even at this point, the Debt Collector would not provide documentation validating the debt. 

In XXXX 2016, the Debt Collector contacted the Payees and indicated the Payee 's insurance company had returned insurance claims, thus increasing the amount owed. Despite making payments of approximately {$900.00}, Debt Collector indicated the balance was the same as initially indicated of approximately {$2500.00} ( expected balance to be approximately {$1600.00} ( {$2500.00} - {$900.00} ) ). Again, asked the Debt Collector and Creditor to provide proof of increase and was told by the Debt Collector each were no longer required to provide proof of increase and would need to contact the insurance company. Insurance company indicated all claims had been paid. Despite this information from the insurance company, Debt Collector and Creditor were still not cooperative and have yet to validate the debt till date. 

Although the request for debt validation may have passed, the Payees have never received debt validation during this time. It is my understanding that if the Payees do not request debt validation within 30 days of the first contact, the courts will not consider you having admitted to owing the debt or that the debt is valid. See FDCPA 809 ( c ) : " The failure of a consumer to dispute the validity of a debt under this section may not be construed by any court as an admission of liability by the consumer. '' To the Payees, proper debt validation should be in the form of documentation from the Creditor, not the Debt Collector. 

Is this not noncompliance with Section 809 of the Fair Debt Collection Practices 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 2015-04-02 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: CA

Complaint narrative:
In XXXX I sent this company a request for validation. The company failed to provide me with the contractual agreements and statements that I had asked for and continued reporting the account on my credit report. This is a blatant disregard of my rights. It 's obvious this is frivolous debt which can not be validated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was wrongful evicted ( and I have the paper work to prove it ) but a collection company is refusing to remove this debt! My eviction says {$590.00} the collection company says {$1300.00}!!!!!! this is crazy!!! 
and my apartment has no records of this information. Can I sue this company for :! .Violation of the Fair Credit Reporting Act 2.Violation of the Fair Debt Collection Practices Act 3. Defamation of Character

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Sierra Holdings LLC
State: WV

Complaint narrative:
The auto loan is currently XXXX days past due, and the finance company has begun to call references, and release sensitive information about the loan, and delinquency ( past due status, days past due, past due amount ) to these references. as of right now, it has been XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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: Security Credit Services, LLC
State: SC

Complaint narrative:
original debt was with XXXX money bank. ge money bank sold debt to security credit. Security credit then sold debt to another company. I paid the third debt collector but secuirty will not take their collection trade line off of my credit report.

Company response to consumer: Closed with explanation