vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-01 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Legal Recovery Law Offices, Inc
State: TX

Complaint narrative:
On XX/XX/XXXX, I was contacted by XXXX XXXX from Legal Recovery Law Office, located in XXXX XXXX, CA. He stated that he was attempting to collect on a judgment in the amount of XXXX. This is the amount that they reported to the credit bureau. He stated the judgment was for XXXX, however, per the court records ( I verified on XX/XX/XXXX ), the judgment was for XXXX, which included the full debt amount, punitive damages of XXXX and attorney 's fees of XXXX. He stated that they added their judgment filing fees and court costs and fees and that the last time it increased was in XX/XX/XXXX, raising the amount to XXXX I believe that he has violated the FDCPA by misrepresenting the amount of the judgment, and the amount owed, and also by sending false information to the credit bureau. 
I am deeply concerned that they will continue to add fees once the debt is negotiated and/or settled.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eastern Account Systems of Connecticut, Inc.
State: CA

Complaint narrative:
The Collection Agency : Eastern Account System is reporting a Medicall Bill that is not mine of {$170.00} since XXXX. I called them back in XXXX and spoke with someone name XXXX and she explained me that this bill was related to medical bill under my daughters name from her pediatrician XXXX XXXX. I explained her that I got divorce in XXXX and faxed her my divorce agreement where it clearly states that I am not responsible for the medical bills. My exwife got a new job and changed her insurance company , XXXX XXXX was unable to update her file and decided to report the bill as uncollectable, funny as we still remain my daughters XXXX. Anyway, at that time, I had to suscribe to Experian to track this resolution and yes, after a couple of months it was removed. Years later, now in XX/XX/XXXX I did realize that the bill is again back in my Credit Report, this has impacted my FICO score and I was financially affected at the time I requested a car lease. I demand resolution and an a formal appology.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I feel very disappointed because of a debt that now has affected my property with a lien on it with a summons I never authorize. Who ever took the summons documents never notify me so that I can negotiate with Calvary Portfolio. I feel violated of my rights under the Fare Debt Collection Practices Act and need an immediate answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Scott Lowery Law Office, P.C.
State: OK

Complaint narrative:
The XXXX Scott Lowery, P.C. law firm is representing XXXX , XXXX in collecting a debt I do not owe. The name on the account is not my legal name and I believe the account was created from identity theft. A judgment for {$160000.00} was granted against me. This has been a series of long and never ending harassment events over the past 2-3 years. I have pending complaint against XXXX XXXX XXXX with the Oklahoma Bar Association for unethical behavior. Also, I have provided a valid and notarized ID Theft Affidavit to XXXX Scott Lowery, P.C. law firm. I seeking all monies garnished and collected from me to be returned and release the judgment.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: NJ

Complaint narrative:
XXXX 2014 LenderLive purchased Loan from Prime Lending, at that time I made XX/XX/XXXX Payment to XXXX. After few months I went to re fianc and found out that Lender Live was saying that I was Late, after doing our investigation we realized that XXXX never forward payment to LenderLive. They agreed and told me they would fix it, it has been 6 months and nothing except phone calls that I am always 1 month late, I am going to attach my payments and XXXX payment. I went to re fi and found out that my credit score of XXXX is now XXXX because of Lender Live, this is unfair and I ca n't event get new loan cause of them. I have never missed a payment and I am being harassed by them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-21 00:00:00
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
Check N Go has cashed a check against the bank account of my deceased father, XXXX XXXX XXXX. The check in question was written on a date when he was XXXX and the dollar amount of the check does not match his hand writing. 

When I contacted Check N Go, no loan was found in his name when they searched by social security number. 

The deceased has a bank account at XXXX XXXX Bank in Indiana. 

The check was written on XXXX/XXXX/2016, the deceased was XXXX and in hospice care on this date and passed away on XXXX/XXXX/2016. 

The XXXX was deducted from a Social Security deposit made to the deceased persons account on XXXX/XXXX/2016. These monies were refunded to the Social Security XXXX as expected upon notification of death. 

The check should have been returned to Check N Go for insufficient funds in XXXX and not resubmitted in XXXX. Further, there is no evidence that my father, XXXX XXXX XXXX held a payday loan for which he would have been liable.

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

Complaint narrative:
I was charged a late fee when my due date is the XXXX of the month, there is a grace period after that but I was charged a late fee well before payment is due. My original due date was the tenth, it is now the XXXX and do not see why I should get a late payment fee. I '' ve attempted to call in to BMW Financial but they are never open when calling, I need to clarify why the late fee was charged and to adjust a payment I made, the date needs to be changed. However, I first need to clarify the due date is now the XXXX so the account does not go thirty days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
When I was XXXX I set up a student XXXX PNC Checking and Savings Account. I was told I would never be charged a fee for this service since I am a student. Last XXXX PNC upgraded my account and changed the terms and conditions of my account without telling me or having me sign anything. I called and they said they sent me something in the mail and that 's all the notification I needed for my account upgrade. They never did anything besides sending this letter, which I never received because I 'm at school, I was never asked to sign anything to agree to the new charges and terms and conditions to my account. I was charged {$15.00} a month for an account that I never signed up for. PNC admitted it was a mistake for my account to be upgraded and said they would only reimburse me for XXXX of the XXXX+ months I was charged for having below a {$1500.00} minimum. I have never had more than {$2000.00} in my account at a time. PNC admitted it was a mistake and refuses to reimburse me for this fraud. They lied to me and waived my account terms and conditions as a student without my direct knowledge.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: OH

Complaint narrative:
XXXX XXXX keeps calling after I asked them not too. they are collecting on XXXX debt that they will not send verification on. I have asked for verification by mail, they say all they can do is email.. I proceeded to ask them to quit calling and leaving recorded messages about i have two business days before legal action is taken. I have gotten nothing from them in the mail nor will they verify this debt.

Company response to consumer: Closed
Consumer complaint received 2016-04-09 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: Alliance One, Inc.
State: NJ

Complaint narrative:
AllianceOne Receivables Inc mailed a letter ( without a date or letterhead ) claiming that I owed over {$1800.00} in XXXX tolls from 2009. The company then added almost {$9000.00} to their company 's collection fees on to the bill. 
The letter sent had no official letter head or representative name or ID #. There were also several account numbers handwritten in a blue pin on the paperwork. That debt has been paid and settled. 

Outside of the debt not being mine, it is outside of the Statute of limitations for XXXX & XXXX ( 6 years ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My landlord wrote XXXX check to return our security deposit to my roommate and myself. He clearly wrote pay to the order of ( XXXX ) AND ( XXXX ). PNC bank cashed the check out to my roommate without my consent or presence. They should not have released the money to her without my permission also. Her and I ended on bad terms, thus, she will not give me my portion of the money. I contacted PNC multiple times about this issue and they have not done anything to resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I opened an account with PNC bank under a {$400.00} checking bonus offer. All of the requirements were met in XXXX, and the required time has passed but the bonus was not honored. I contacted the bank and it seems as if they have, and possibly never had, any intention of honoring the {$400.00} bonus used to entice me to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC has violated my privacy by placing my private XXXX information inside of my son 's student virtual wallet account. My son is not a joint owner, not a co-signer, not an authorized user, nor entitled to access my XXXX in any way. PNC has confirmed that my son is not associated with my XXXX account. Yet to access my personal XXXX information, I must first access my son 's student virtual wallet account. To pay my XXXX bill, it must be done through my son 's checking account. I have contacted PNC three times over the course of 5 days. PNC has refused to remove my XXXX account information from my son 's student virtual wallet account. A PNC customer service agent has told me that there is no way for PNC to restore my right to privacy with my XXXX information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-27 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
2.5 years ago I went to XXXX and leased a van after them telling each month it gets report to the credit bureaus! Well now that my van is almost paid off i went to try to get a newer car and found out they never put one payment on my credit! If they can repo my car if i dont pay and put it on my credit why are they not showing me paying every month on time?

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 2016-09-30 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CO

Complaint narrative:
My mortgage is currently with Stearns Lending. Over a month ago we sent them a check for {$25000.00} ( insurance claim check that must be cosigned by them to repair hail damage to our home ) and submitted all of the required paperwork to include a signed contract with a local painter to begin our repairs. XXXX is fast approaching in Colorado making outdoor labor very difficult and yet still no check from them???? It appears they have a sub-contractor that handles insurance claims in the name of XXXX in XXXX S.C. Our money is NOT in our regular escrow account so we suspect that all of the " stall and delay '' actions taken by XXXX are intentional and they are profiting off OUR insurance money?? Pretty sure what they are doing is illegal on several fronts but I should leave that up to you to decide. Regardless we need our insurance money so that we can pay for the repairs to our home. Every time we call there is a new reason ( not on the checklist ) for our money not being sent??? I XXXX this company and it appears that I am not the first person to be jerked around continually by these criminals.

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 2015-04-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
PNC Bank is almost impossible to make contact with regarding my second mortgage loan. Each time I attempt to call I 'm on the phone no less than an hour trying to get to the department that handles my account. First they changed the account number without notifying me. The branch office where I pay my loan could n't find my account, subsequently I had to wait 40 minutes before they were able to process my payment. They gave me what they said was supposed to be my account number. Several weeks later I attempted to call the PNC regarding a notice they sent me and ended up being on the phone for over an hour, because no one could find my account number. This happens all the time!! It appears they do n't want customers contacting them. I do n't have a department phone number, there 's never any number for contact on any correspondence they send me. Additionally, I 've tried to refinance this loan several times when my credit score as well as my wife 's credit score was in the XXXX area, and we were refused, although we paid our mortgage {$1000.00} on time with a 9.74 % rate. Although now we are retired and our income has n't increased we are paying the mortgage late each month, which means PNC is charging us {$100.00} late fee each month, which is further financially destroying us. We 've had this 2nd mortgage since XXXX/XXXX/06 and we do n't want to continue to be treated unfairly, unlawfully, taken advantage of and discriminated against.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank cleared a check in the amount of XXXX dollars on XXXX XXXX, 2015. It was for a new part time I job and I had a representative verify the fund with XXXX. The branch manager confirmed the funds were available and that there would be no issue depositing the check. I told him a coworker had an issue and I wanted to be extra sure. The branch manager then told he that the check had already posted to the account and that there would be absolutely no problems with depositing the check. The XXXX XXXX representative confirmed the issue as well. I called into the call center twice as well to confirm that there was no issue with the deposit. The call center representatives both confirmed no issues on XX/XX/2015. 

On the XXXX XXXX, 2015, I noticed a large withdrawal on my account in the amount of the check. I did not receive any communication from the bank about any issue with the check or with my account. Because it is close to the holidays and I had been assured there would be no problems with the transaction several times, the funds were not in the account and it caused my account to overdraft. 

When I went into the bank to figure out what was wrong, I was informed there was an issue with the deposit. Apparently the check was fraudulent. I called the issuer to notify of the issue and filed a report with the local police. I asked if there was anything else I could do with the bank to make the account right, and they told me it was my fault. Despite verifying the funds several times, I was supposed to know the check would not clear. They refused to take the police report and to assist with the issue further.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I requested copies of cancelled checks that were used to make payments on a home equity loan owned PNC Bank. I made the request to a PNC customer service representative on XXXX XXXX, 2015 and got no response to date.. I need this information to use as evidence in a pending court case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Reliant Capital Solutions, LLC
State: OH

Complaint narrative:
I have a a unverified account from Reliant Capital SolutionsLLC. I had previously disputed this account. I have never done business with Reliant Capital SolutionsLLC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt purport I owe. I request that Reliant Capital SolutionsLLC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that Reliant Capital SolutionsLLC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I receive a Proposed Modification to my mortgage and contract XXXX on XXXX XXXX, XXXX. Reviewing the documents I question the, at best misleading and at worst deceptive, nature of the disclosures accompanying the contract. 
First of all, XXXX XXXX of the accompanying explanation is missing. I notified my contact with my mortgager by phone and requested the first page be emailed to me, and as of this date, that has not been done. I have followed up with an email and am awaiting a reply. 
Based upon the Exhibit # XXXX and the Contract itself, there are several points that are misleading. 
Lacking the specifics from page XXXX, I turned to Exhibit XXXX ( attached, as is the contract itself ) for clarification. According to the Proposed Modifications column ( right side ), I will be paying 3.5 % interest initially, then I will pay 3.625 % interest ; Exhibit # XXXX does not clarify when that will go into effect. However, the contract contains a table that explains that the first rate will apply for the first 60 months, and the higher rate will apply for the remaining 237 months of the contract. Here the proposal is vague, although there is room on the right to add the 5-year/60-month notation. Additionally on the left, there is no indication of what the current completion date is, and the XXXX on the right implies that the mortgage will be a shorter term loan. However, it is clear that 11 months have been added to the current completion date XXXX XXXX XXXX/XXXX/XXXX. 
Additionally, although the contract clearly states that I am agreeing to repay {$400000.00}, the Exhibit implies in the right column that there has been a principle reduction to {$350000.00} ; not that that is the actual amount due after paying down the principle for 5 years. Furthermore, the {$00.00} balances under penalties and charges on the right imply that those have been forgiven, not that they will be paid off within the first 5 years of the proposed modifications. 
Additionally, nowhere in the paperwork I have received have I been credited with the {$2600.00} payments I have made in the last 3 months, nor has any indication been made as to how the funds impacted the amount currently owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CONTRACT RESOLVE GROUP LLC
State: TX

Complaint narrative:
This man, XXXX XXXX of Contract Resolve Group LLC has conveyed all my business to an employee of my company. He has made threatening telephone calls and emails to my landlord, the City Health Department, and continues to place telephone calls and texts to me after being told numerous times not to contact me. He is abrasive and goes out of his way to contact external parties to taint my business relationship ( s ).

Company response to consumer: Closed with explanation