vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Sierra Holdings LLC
State: CA

Complaint narrative:
I have contacted Sierra Auto Finance several times over the past year and a half as an attempt to resolve the issue. XXXX representative even went as far as to say, why are you requesting that I send this information? The issue is that none of this was ever received. I have yet to receive any documentation, however whenever I contact for the documentation, Sierra Auto Finance will re age the account and report it as if the account is a new account. They refuse to validate the debt I say I owe. They have yet to produce a contract that shows that I owe them, a full billing and payment history that shows how they arrived at the balance, documentation of who the alleged repossession agency was and licensing, proof that local authorities were located within XXXX hour of recovery, required notice of Deficiency Balance or Notice of Default with timely and proper service for any said repossession, A copy of your notification and proper service of my right to reinstate, prior to the sale of this vehicle/ Notice of Intent to Sale showing proper with timely and proper legal service, Proof that the repossession agency you used contacted me within XXXX hours of the said repossession with proper documentation ( Notice of XXXX ) as well as the inventory list of personal effects, Inventory of items that was in the vehicle at the time of repossession, as well as the manner in which it was disposed i.e. ( proof of disposal ), XXXX. ) Please provide documentation that the vehicle was sold in a commercially reasonable manner. I have asked that this account stop being reported as a new account with updated terms as well. So not only will Sierra Auto Finance not validate the debt. They also are being predatory in their reporting practices. I have also disputed this with XXXX, XXXX and XXXX with no success. Next stop law suit! Contacted this company on XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX. This is a case where I am not getting the XXXX validated as required by law. Do I even owe this debt? Why is it being reported. This is my last stop before filing suit against Sierra Auto Finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
Requested verification documents for Calvary, who claims to own the debt, and was only sent bills. I asked for a chain of title and was again only sent the bills. They will not send chain of title.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22 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: FL

Complaint narrative:
I have a bill for progress energy that already paid and know I get some phone calls for a collection agency to paid this bill again. I get some harassment calls with treated and legal issue. I get call on my cellphone all the time even during working hours and after dark. I am on the do not call list and still getting calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR

Complaint narrative:
I and my boyfriend moved out of an apartment we were told by our landlord that we would get an itemized list and move out report from her in a couple days, we never received XXXX, I sent a text message to our landlord after I had received a notice from a debt collector that I needed to pay an almost a XXXX XXXX dollar balance for our stay. I then asked my landlord when she would send out the itemized list and move out report which to she replied that she had not sent it out and would the next day. It has almost been a month now since we had moved out of the apartment and I still do not have any verification from my landlord or the debt collection agency, I had sent the collection agency a written notice that I disputed the debt and that I want to be contacted only via written notice, and for them to not call my phone. The collection agency has ignored this and has not sent anything via writing to my dispute and has instead continued to call my phone over seven times a day repeatedly.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
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 is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: SC

Complaint narrative:
This fraud company IQ Data International is falsely reporting an debt on my XXXX credit report. It 's been verified that the social on file is n't mine, I 've sent requested documents and still they refuse to remove it off my credit which is against the law. I 've spoken to rude agents such as XXXX XXXX and XXXX those XXXX are rude and speaks to you in a rude manner. They have used " scare tactics '' and threatened me on several occasions which is a violation. I 've asked to speak with the CEO XXXX XXXX and the reps most recently XXXX claims to not know how to get on contact with him. I 'm at my wits end with this situation and the illegal things they are doing. I 've gotten in contact with an Attorney Genrral and at this point I am ready to seek legal action against them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-30 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: MO

Complaint narrative:
Online Collections submitted a {$190.00} collection for XXXX XXXX XXXX and failed to send me any notification to my known address on my credit report for over 2 years. This is in direct violation of Federal Law. Since I never knew about debt they failed to disclose it to me by not sending me a 30 day notice before placing it on my credit file with caused adverse reaction to my credit file in which they are liable to the fullest extent under law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: OR

Complaint narrative:
Hello Recently I tried renting an apartment in XXXX. The property management said they ca n't rent to me because I owe money to a creditor. I asked her to please tell me who I owe money too because this was the first time hearing about this. She said in XXXX when I lived in XXXX at XXXX XXXX Apartments I owe XXXX. I was shocked and she suggested to call the apartments and find out what happened. So I did and they told me that I 'm not on record for owing money. But they were under new management in XXXX and to contact XXXX XXXX managment. I called a few times and left a message, still no word back. So I call back the realtor and ask if there is a number for the debt collector. She provided me with the number. So I called IQ DATA INTERNATIONAL. I XXXX them and read bad things that I should n't trust them and they are scam company that her assets and bullies people for money. But I still called because I did n't know what was going. Spoke with XXXX, at first she was polite. I explained my situation and said I was willing to pay back the money that I owe I just needed answers. And if I can do payment plans. But then she started changing her tone and being rude. Because I could n't provide her with how much I will pay and why ca n't I pay. Then she started raising her voice at me and I got offended and said I will call her when I have money and she rudely said yes you do that. 

That was the end of the conversation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: I.Q. DATA INTERNATIONAL, INC.
State: UT

Complaint narrative:
This debt collector has used inappropriate tactics in order to collect a debt and has withheld information regarding my debt. I have asked repeatedly for more information and they seem to not want to give out more information regarding what arrangements I can make, nor make reasonable payment arrangements. As well as, their is n't a way to make a payment online, which while forces me to call and make a payment, while sustaining the abuse.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Sierra Holdings LLC
State: CA

Complaint narrative:
As a result of previous complaint Sierra Auto Finance agreed to remove negative listings on my credit report. Which the item was removed from my XXXX XXXX and XXXX reports as the company agreed. Sierra Auto Finance then reported this as a new item to my XXXX report on after they agreed to remove it. This item showed up on my report today. I have attached the copy of my credit report where this item was reported as well as the previous complaint where Sierra Auto Finance said that they would not report the negative item anymore. Why would you agree to remove it to report it to another credit reporting agency. This is malicious, to agree to remove the item and to report it to another agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
Do not know what the debt is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.Q. DATA INTERNATIONAL, INC.
State: VA

Complaint narrative:
My roommate and I lived at XXXX XXXX XXXX for 13 months. We did everything according to the lease, paid rent before or by the first, put in the 60 day notice, cleaned the unit and moved out early ( we were to be out by XXXX XXXX ). On XXXX XXXX, I gave them my keys and family address in XXXX to forward any correspondence following the move. I also gave them the two week period before calling the apartment complex twice on XXXX XXXX, 2016. I spoke to a lady in the office she was not only confused as to the move-out situation for my apartment but was also disorganized as usual ; she could not tell me anything and was unsure as to why no one received any correspondence from the apartment complex, then stated she would have the manager, XXXX contact me immediately. My old roommate and I have yet to receive a phone call from the manager of the complex, nor have we received any mail following the move. With that being said I would assume we have paid in full-we also did not receive the security deposit back either. 

I have pictures and videos of the unit following moving out and it was left in good conditions. I was unable to stay behind for the final walk through but I believe my roommate may have been. 

Today, XXXX XXXX, 2016, I received a fraudulent letter from I.Q. Data International , Inc. stating I had an outstanding debt with XXXX XXXX XXXX for {$82.00}. The letter states it was to follow up on the move out report sent before continuing with collection activity. Again, not only have I contacted the apartment complex, XXXX XXXX, I have not received one letter from them regarding the security deposit or a debt owed ; I also have not received a return telephone call from the Manager of the apartment complex. I have excellent credit and the people who work for this complex are not only dishonest and untrustworthy but they have falsely threatened on numerous occasions to send us to collections when we have paid our debts and paid on time. We have had enough of the abuse!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
I left my apartment before the lease was over and according to the lease I had to pay XXXX plus give 2 month notice. I did exactly that and was told they would rent the apartment asap ... they rented it right away and never notified me. I emailed them and they notified me i still owed XXXX soon after, i was notified after i again emailed them that amount owed was reduced to XXXX and i should call I Q Data international to pay this amount. I called this company and found out it is a collection agency. I tried to ask them for a payment plan and then offered to pay the full amt in 30 days of which they refused, screamed at me..put me on hold for a long time, refused to accept my check and said they would kill my credit and no matter what i did it would not be good enough. i asked for a bill and they refused to send me a new bill showing the break down of what i owed. i tried to deal with them XXXX and each time they wanted to know where i worked and threatened me with going after my credit. i wanted to pay this bill ... they kept saying a check was not acceptable. I dont know what to do at this point. they are horrible nasty people. i am trying to get in contact with my old apartment and ask them to take the money and send it to them as i can not deal with them.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX/XXXX/15, PNC Bank stole {$100.00} from my account and attributed it to overdraft fees, regardless of the fact that I had well over {$200000.00} on deposit in my account -- which was certainly more than enough money to pay for any check or electronic payment that I would have initiated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: Amsher Collection Services, Inc.
State: TX

Complaint narrative:
I checked my credit report to see that Amsher Collection Service had put a derogatory ding on my credit score, showing I was sent to collections. I need to remove that from my credit score because I was never notified of this action prior to it showing up on my score and dropping it nearly XXXX points!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I went into the bank on a Saturday and asked the teller to look up my account and issue me the balance of the account. I did not specify the amount as I wanted to make sure any pending transactions or charges I was not aware of in the past 24 hours since reviewing my balance were accounted for. I did not specify how to issue these funds as I did not care. I was issued a cashiers check that day. I received an overdraft notice a week later advising that I was XXXX overdrawn with that transaction and was incurring a fee. I tried to resolve the issue by asking why the XXXX overdraft and why they felt it moral to charge me continually fee upon fee on what, I believe, is a charge not accounted for for the cashiers check she issued. I 've been refused a waiver of these fees, instead they continue to charge me and send threating letters. I 'm asking that they explain how the XXXX overdraft was incurred and waive the astronomical fees ( over XXXX now ) on this XXXX overdraft error they caused.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XX/XX/XXXX, I received an email from Simply Be/XXXX notifying me that PNC bank had paid them {$10.00} and the payment was processed successfully. I called XXXX bank and wrote to them online asking how a payment could be made from a closed bank account. Today is XXXX XXXX, 2016 and XXXX XXXX ( my payee ) closed her bank account on XXXX XXXX, 2016. I have no SSI check for the month of XXXX. When I called Social Security, an agent informed me that I do not have a check because PNC bank is holding my SSI check in the closed account and she did n't know what i should do about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank is calling us XXXX times a day to collect on a debt that was paid through the U S Bankruptcy Court. We have statement from the Trustee that every penny was paid at the amount agreed on. They started calling in XXXX and I sent letters to PNC Mortgage in XXXX and XXXX with check numbers and amount paid. The still keep harassing us. I must have spoken to several dozen PNC minions who all promise to investigate and put an end to this. I have run out of options and would like to know how to put and end to his.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Federal Pacific Credit Company, LLC
State: TX

Complaint narrative:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed
Consumer complaint received 2016-10-31 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was recently contacted by my bank, PNC Bank, headquartered in XXXX, PA. At the time, I had XXXX checking accounts and XXXX savings account with the bank. They contacted me to convince me to open a credit card account. They said the new credit card account had XXXX features 1 ) no interest for the 1st 18 months on new purchases 2 ) no interest on balance transfers for the 1st 18 months. I did my own analysis and decided, based on these facts, to accept the invitation to open the credit card account. A few months after I opened the account, I decided to transfer a {$9000.00} balance from another credit card account. 
When the transfer finally posted on my new PNC credit card account, there was an additional {$270.00} charge as well associated with the transfer. 
I immediately called the bank and was told that there is a 3 % charge on all balance transfers. They claim it was in the literature that they sent me. It simply ca n't be fair for a bank to aggressively try to cross-sell a customer a new product and not disclose this type of term until the customer has already accepted the new account. This is what happened to me and PNC had refused to refund the {$270.00}, so I 've filed this complaint.

Company response to consumer: Closed
Consumer complaint received 2015-12-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Freedom Mortgage Company
State: VA

Complaint narrative:
On XX/XX/XXXX, my home at XXXX VA.was officially closed ( Acct # XXXX old loan number, Va loan, XXXX XXXX , .-XXXX new loan number, FHA, Freedom Mortgage. Freedom Mortgage did a FHA refinance, but since I am a XXXX Honorably Discharged XXXX, I should recieved a Va refinance. I brought XXXX back on XXXX XXXX ( Va loan ) I want a refund from Freedom Mortgage ( FHA over pay ) from XXXX toXX/XX/XXXX for the FHA loan. I am XXXX years old, a senior citizen, and I feel that I was taken advantage of. 
On XX/XX/XXXX and XX/XX/XXXX by XXXX XXXX XXXX ( XXXX XXXX Sales and Marketing Representative, Phone number XXXX, I had my new home home, XXXX XXXX XXXX XXXX, I had my new home constructed by this company. I was told by XXXX XXXX that based on my debt to income ratio, I had to rent XXXX in order to purchase XXXX XXXX XXXX XXXX. According to my checking account on XX/XX/XXXX I had, {$34000.00} in my checking account, so my finance statement was not a problem, and I was able to buy a {$240000.00} new home, from, XXXX XXXX. According to XXXX XXXX XXXX XXXX, a finance consultant with, Low Va Rates, Va Mortgage Experts- phone number XXXX, XXXX XXXX XXXX said if anything, I should have been told to do a short sale of XXXX But with about {$23000.00} in repairs and upkeep, and evictions since XX/XX/XXXX, selling sounds lick a better ideal. By the I want a {$23000.00} refund as well.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation