vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
This is both a follow up and additional complaint against PNC bank. Around the XXXX week of XX/XX/2016, I reported unauthorized transactions on my PNC Visa business card. I spoke to a fraud investigator, detailed each transaction as required. I also requested in writing all correspondence done in writing via either PNC banks own secure message system, on line chat, email or USPS for accuracy purposes. I am sure everyone agrees this is the very best way for transparency and assure neither side is limited to the facts. However, PNC claimed my original dispute was MISHANDLED. and requested another detail list of all the transactions. This seemed strange to me, they have a recording of the conversation, therefore a record of everything said. Why would PNC bank REFUSE to access their own record? Further, PNC bank continued attempts to have my 2nd dispute over the phone. Why would I provide them another dispute over the same format they admitted mishandling and refuse to acknowledge having? Therefore, I provided a 2nd dispute in writing on XX/XX/XXXX, through PNC banks own Messaging platform, this way there is no discrepancies or possibility of any attempt to claim it was NOT received, right? Both sides now have a copy. I mean KNOW WAY would PNC bank be so bold and defiant to LIE! 
Well, brace yourself for this one. Just yesterday I received a letter from PNC bank, dated XX/XX/2016 from XXXX of the Dispute Resolution Department claiming ... I never provided them with details of the unauthorized transactions " ... You have NOT responded to our request for information. As a result, we can not conduct an investigation into this matter, we have closed our file and you WILL CONTINUE TO BE RESPONSIBLE FOR ALL AMOUNTS DUEAND OWING .... '' Now either PNC bank is recklessly incompetent, or deliberately lying. both violations of out agreement, which is an agreement of adhesion ( in other words, they created and dictated the agreements had no say in any terms, yet they still break it ). Further I have disputed the amount owed with XXXX, therefore setting up for future damages. If pnc bank reports the balance to include the disputes transactions as accurate it will trigger the FCRA violation standard allowing me to sue. interesting what the CFPB intends to handle this, because by PNC banks own actions they are sending a clear message that the CFPB has zero leverage with them and PMC clearly has no respect for federal agencies.

Company response to consumer: Closed
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
FMA Alliance XXXX Ltd. ( http : //www.fmaalliance.com ) calls my home several times a day asking for a person I have never heard of. I have repeatedly asked to be removed from their call list to no avail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: UT

Complaint narrative:
To whom it my concern : My name is XXXX XXXX XXXX, I have FHA Loan with PNC Mortgage, Loan # XXXX and I have a complain the way PNC is handling my situation and the way how they have been treating me. XXXX years ago I was in a crisis I went for a long divorce process and my employer reduce my working hours due to slow economy in that time I was also fighting my child visitations rights, I had to paid a lot of money to attorney and to the court. I started to get behind with my mortgage payment and I asked XXXX XXXX XXXX for help asking for a Loan Modification program or any other relief available. It is very hard to deal with PNC because they are always sending me to different departments with the manager of the manager of the manager etc. they request the same information many times, I have been sending this information by XXXX many times once they have the information that they requested from me, they asked me again to faxed and a week later the call me to request another information that it was send on the package. I have been doing this over and over and over for the past XXXX years. I have sent all the paper they requested and after I sent all the information they require something else like another paper, another document that has been already sent or a new document. There is no help from PNC, I am frustrated and XXXX and I feel PNC is not taking my situation seriously and also feel they are laughing in my face. I believe this actual Government Administration gave relief money to the banks and to PNC to help people like me in this Crisis. I am very stress every day because I do not want to lose my home my kids live there. I am American Citizen and I 'm wondering if PNC does n't want to help me because my name is XXXX XXXX XXXX and I am XXXX I feel discriminated by PNC. 

XXXX published on XXXX/XXXX/XXXX " PNC former employees : We were told to lie '' the article is based on employees of PNC routinely denied qualified borrowers a chance to modify their loans to more affordable terms and paid cash bonuses to bank staffers for pushing homeowners into foreclosure. 

I think somebody is expecting a bonus if the push me into foreclosure. This is not fair for me and my familyThank youSincerelyXXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Alliance One, Inc.
State: WA

Complaint narrative:
Hello, More than a year ago, I had a few expired tabs tickets with XXXX XXXX in Washington XXXX. This debt was sent to Alliance One, who then contacted my employer and garnished my wages. 

I paid the total out of the first pay check I received after they corresponded with my boss and her assistant. {$300.00} was deducted from my paycheck, which was the total I was told that I owed. Today, I received a packet of documents in the mail saying that I had a court day in one month, in a town other than where I live and that I owed Alliance One {$140.00} more dollars. The break down for this amount is a {$12.00} filing fee, XXXX for postage/certified mail costs, {$100.00} for garnishment attorney fees and {$20.00} for other. Do they not have to explain what " other '' is? 

I had not previously received any notice that I owed more money, so the first contact about this amount, was court papers. This seems unfair, to charge me more money again, a year after we have settled and also unfair for them to send me court papers without even contact me first and giving me the chance to clear the situation up. 

I XXXX do not make much money. I have been saving money to go to college and next week is my last week of work. Although to some people, {$140.00} is not much money, to me it is a significant amount of money. i am already stressed about the amount of money I have saved for school and this is an unneeded and inconvenient XXXX that I would have liked to have deal with a year ago. 

Thanks for any help you can offer! 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I had XXXX Alliance One Accounts on my credit report, for {$60.00} each from " parking tickets. '' They were from a car that I had sold, but the buyer did n't transfer the title. 
When I called to make a payment, they told me they would delete the accounts from my credit report. On XXXX XXXX, I was notified by the credit bureaus they came off my report. On XXXX XXXX, they re-reported with no notification from the debt collector or the credit bureaus. Now, when I call the debt collector, they say that I owe {$5400.00} in past parking tickets. Every time I 've ever dealt with this company, I 've paid my account IN FULL. This is so disheartening that they do this to consumers. I paid them in full, they agreed to delete the accounts, not they re-reported them and it weighed down my credit score by XXXX points.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 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: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
My Father passed away XXXX and had to move locations. Living at my new location I have not received any information regarding this debt from Eastern Account System. I was unaware of this and it was sent to collections. This XXXX XXXX my wife and I will be XXXX. We were aware of this debit while reviewing my credit score during our process of trying to purchase a home. If I knew this debit it would of been paid off in full along time ago if I received any statements or letters. On XXXX/XXXX/XXXX I have paid all debit in full and I am requesting this to be taken off my credit. When reaching out to Eastern Account System they seemed to not empathize with how important this is to be taken off. They also did not give me any options on how this can be erased. My wife tried contacting Eastern Account System leaving messages to the Manager XXXX. We have yet to hear back from them. I know if they are a collection agency it can be very frustrating to not be able to collect money from people and the same goes for me. I am frustrated that because I paid in full they do not care to contact me back to erase this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-08 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: GA

Complaint narrative:
I had not used my Citi credit card since XX/XX/XXXX. In the time since XX/XX/XXXX, I was issued a new card ; however I never activated the card. Nevertheless, an unauthorized charge was made on my card without my knowledge in XX/XX/XXXX. Following receiving a notice that I had a delinquent balance in XX/XX/XXXX, I inquired about the balance with Citi and disputed it. Citi found in my favor on the dispute and reversed the charges including late fees and interest in XX/XX/XXXX. However, in XX/XX/XXXX I discovered that they had reported negative information in my credit report. I called Citi again to fix the issue, and they apologized and told me they would get the reporting fixed and I would receive notice in 5-7 days when it was complete. I simultaneously disputed the negative information with the reporting agencies. Over a month passed, I received no update from Citi ; however the credit reporting agencies noted that Citi had indicated that the negative information was in fact accurate. I called Citi again to try to remedy the situation. The first customer service representative was apologetic and told me that it looked like it had gotten lost in bureaucracy, but that she would get her manager to help. The manager was very rude, indicated that I did not deserve any notice of their actions regarding fixing their credit reporting despite the promises previously made, and also indicated that the charge was in fact authorized and proper despite Citi 's previous finding in my favor and that the card was not even activated. While I have not incurred any actual losses yet ; my credit score dropped by about XXXX points, which is concerning because I am trying to buy a house and secure a mortgage. 

The supporting documents attached show that my last activity was in XX/XX/XXXX, no payments were made recently, but the balances were cleared, the negative information in all credit reports, and the results of my initial dispute with Citi in which Citi found in my favor.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I received an email notice from PNC that it had declined a payment request from XXXX XXXX XXXX in the amount of {$20.00}. This is a utility merchant with whom I had established a automatic payment. When I called PNC Visa, they informed me that new credit card info via a " XXXX Account updater '' had been given to XXXX. At this time, I, the cardholder did not yet have the updated card to activate. They blamed XXXX and transferred the call to it. XXXX blames PNC and said that it issued the new information to merchant even before I had the card. I called XXXX XXXX and verified that a new expiration date had automatically been given to them. I had to give them my current card info so they could charge the account. Now, I have to call XXXX back when I receive the " new card '' so I can reactivate automatic billing. There is something wrong with the PNC VISA process when Merchants have information before I receive and activate a card. I have no clue what other of my automatic charges may have this same issue before I receive the new card to activate. This is an unnecessary and time consuming issue. None of the customer service reps at XXXX or PNC had any way to solve the issue. 
Please help so other consumers do n't get caught up in this same unnecessary problem. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
BMW Financial services is reporting information to all XXXX credit bureaus, incorrectly. I disputed the information on all XXXX credit bureaus, yet they still report it incorrectly. I need the account removed, completely, from my credit file.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I applied for a modification numerous times, twicw in XXXX, the interest rate used is 2.00 % to calculate the modification which is the rate as at XXXX, effective XXXX XXXX, the interest rate was 3 % & effective XXXX XXXX, the interest rate will be 4 %. The underwriters used {$160.00} for XXXX dues & I do not have XXXX on this property. XXXX dues are on XXXX vacant land which I own & clearly stated so in the modification application. The denial is the same as the XXXX XXXX using the old interest rate when the loan became in default XX/XX/XXXX.There are numerous waterfalls which would allow a modification approval. foreclosure sale date ofMarch XXXX, XXXX. I will be forwarding a copy of this email to the Florida XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
This payday company has been calling and sending emails to my sister, XXXX, despite of repeated information that my sister had a XXXX. 

They threatened to : 1. File information relating to your bad debt with a credit reporting agency, which could result in your inability to conduct business with other short-term lenders, write checks to retailers or merchants, or open checking accounts with banks. 

2. Refer or sell your past due account to a third party collection agency. Be advised, the third party who obtains your account, may in turn, undertake further collection efforts against your, including such legal action as may be permitted by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance Collection Agencies, Inc.
State: WI

Complaint narrative:
Company contacted me in mid XXXX. They implied that I had XXXX days before they would notify the credit rating bureaus. I explained that I was still disputing the medical bill with the hospital. 
I called to pay off the amount in full on XXXX XXXX 2015. They then informed me that they had notified the credit bureaus on XXXX XXXX. This tactic caused my credit rating to drop XXXX points, even though the amount was fully paid off within the implied XXXX day period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-22 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: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
Please be advised on XXXX I mailed XXXX correspondence advising them that I do not have a contract with their company and if so I would need a copy along with any other information I signed with them! I received a letter from XXXX Attorney XXXX with information regarding a debt I had with XXXX and not XXXX! As I stated to XXXX they have not produced a contract I have with them! I stated to them in my letter if they are claiming they received all rights of interest because they purchased the debt then they are in breach of the contract because they will never fulfill the original obligations. Furthermore I as a consumer can not be forced into a Contract with anyone under my consumer rights. If XXXX can send me documentation that I signed a contract with them that would be what I would like to see! To top it off I received another letter from XXXX Attorney wanting to collect on the debt! So now they are violating the FCRA 2 companies with no Contract with me trying to collect a debt! Double jeopardy!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CNG FINANCIAL CORPORATION
State: GA

Complaint narrative:
Got a voicemail from a company who said on my voicemail this was my noticed that I am being processed and paper are being sent to the county I live in. The call was to verify my address. The call back number is XXXX. I called back and XXXX XXXX said I owned a payday loan from XX/XX/2009 with Check N Go. She told me they are processing paper work for defrauding a financial institution. She said the loan was for XXXX and the balance is now XXXX. I told her this questionable loan is 7 years old. She told me she has 10 years to sue me for fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC
State: IL

Complaint narrative:
I had a bad case of Idenity theft and my police number is XXXX when this happen they even had me marked as Deceased! I had to get everything reactivated this Collection agency Security Credit Services for XXXX XXXX? a Merchant account? for {$200.00} open XXXX/XXXX/2015 then closed XXXX/XXXX/2015? Not my account this was fraud please remove. also This company was very rude.called my job and told a cowarker i owed money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: VA

Complaint narrative:
I already claimed I did not know what this debt is for and also said that my insurance covers XXXX percent of everything. If the company is refusing to disclose any information about this debt then I will not pay and my lawyer will be contacted. Saying that the account was verified by you does not mean anything to me. Show me proof or drop this issue or I will see you in court. It is as simple as that.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01 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:
XXXX relentlessly called my cell phone and left voicemails not once stating it was to collect a debt, but that legal action had been taken against me and that I needed to return their call to prevent further legal action. When I did not return these calls, they managed to find the phone numbers of all of my immediate family members, and then continued to leave harassing voicemails for them as well stating similar legal courses. 

When I finally called in, I was told my number was no longer in service, although I had not and still have not changed phone numbers, and that although they mailed a letter to my old address ( I had moved cities for a new position ), family members ( or what they will call " References '' ) were their last resort. I was told they had no other manner in reaching me, even though they verified my email address without my needing to even provide it in the first place. 

So essentially, they had more than two ways of contacting me in attempt to collect a debt, and instead harassed myself AND my immediate family under false pretenses. For MONTHS. All for a whopping {$100.00}. 

Just to make it clear. Under The Fair Debt Collections Practices ( FDCPA ), all debt collectors in attempt to collect a debt MUST provide the following : Identify themselves during every communication. 
Notify the consumer that the communication is from a debt collector. 
Give the name and address of the original creditor. 
Notify the consumer of the right to dispute. 
Provide verification of debt. 

None of this information was provided to me until I called XXXX MONTHS after relentless harassment. Had I known from the beginning it was an attempt to collect {$100.00}, I would have called sooner, however from the initial contact, where not even my name was given ( voicemails only stated message was for " Name, Name '' ), all I knew was legal action was being taken against " Name, Name '' and that I needed to return the call right away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 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: Security Credit Services, LLC
State: NJ

Complaint narrative:
There is a collection listed which is unknown and appears to be very old. I requested validation and disputed with noting provided to me. Please help

Company response to consumer: Closed with explanation