vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-29 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I already described it, but it went away. Will try again. 
My mortgage was with PNC Mortgage, my heloc was with PNC Bank. 
Our credit was great, until my husband died 3 years ago, I had to filebankruptcy, Chapter XXXX. Mortgage & Bank continued to be paid. 
After the bankruptcy the mortgage company would not send me anew payment book, the Bank would not report my payments to thecredit bureau. I needed to get some credit again, I needed to refinancehouse because of a balloon payt with PNC. Could not get a credit card. 
I have now refinanced, am finished with PNC and would not ever referthem to anybody, would warn my friends. I could not get an answer asto why they were not reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: ASSOCIATED BANC-CORP
State: MN

Complaint narrative:
Fell behind on XXXX mortgage with Associated Bank. Was contacted to set up payments with the assurance that it would stop legal attempts for judgment against me. I was also told the debt had been charged off and I would only be paying toward the principle. XXXX months later never missed a payment I saw a judgment against me and attempts for wage garnishment. I called them and they said that was a mistake and should n't have happened. They stopped garnishment attempts and apologized but I still now had a judgment against me. I continued to get a statement showing the principle amount with no interest and my monthly payment. Almost XXXX years of consistently paying every month I called to get the payoff amount as I 'm ready to sell my home and take the equity out to pay the lone off. The principle load amount was $ XXXX almost XXXX years of monthly payments over {$4000.00} my pay off amount was over {$33000.00}. They said the statements do n't show the interest charges but the judgment against me allowed them to collect interest. Had I seen any interest charges on my statements I would have questioned that over XXXX years ago. I feel like they took advantage of someone faithfully trying to pay back debt and always intended to file a judgment and collect interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CNG FINANCIAL CORPORATION
State: TN

Complaint narrative:
This business has been told numerous times to call and leave a message and I will call back as soon as possible and has been told numbers times to not call my place of work and has done so anyways and has caused me to be written up and I have now been threatened with losing my job because of their continued calls. They have also called family members pretending to be someone who has an emergency and is in need of getting in contact with me right away and sending them into a panic thinking there is a real emergency happening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have a checking account and credit card with PNC bank. I have issues with both. 
The checking account has an overdraft protection account attached to it. PNC makes a habit of holding any payments made to the overdraft protection account to ensure that they can charge fees by processing any other transaction. 
PNC also did sell me an invalid cashier 's check and would not refund the fees incurred. That transaction wa cancelled due to the unprocessed check. These practices ought to be highly illegal and predatory. 
When it comes to the credit card account, I do not even know where to start. The proper question to ask is how come an account that is on automatic payments be ever late? 
The answer according to Pnc 's dictionary residecin their definition, and differentiation between automatic and recurring. 
My understanding is that both PAY a defined amount at a specified date every month. Do n't take my word for it, English is only my XXXX language. 
These SCAMS are the reason I m seeking your protection against this vile and low company. 
Did I mention I have been a customer since 2000? 
That relationship will end as soon as I these issues are addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 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: GA

Complaint narrative:
XXXX Apartments have turned me over to a company called IQ Data saying I owe rent for the month of XXXX, 2015. My lease started in XXXX and ended in XXXX and I moved out XXXX XXXX, 2015. I had lights transferred and signed a new lease at my current address XXXX XXXX th, 2015. I turned in keys as well. I have emailed them all of this proof and they are still trying to collect and are adding interest. I had no legal obligation to them as of XXXX XXXX, 2015. Please help!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: PA

Complaint narrative:
I have sent several certified letters asking them to Validate this account with my Signature within the 30 day time frame. I did not receive any responses from them. Even though they signed for the letter. They still have not removed this account from my Credit reports They also show this account still open with XXXX and XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-10 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: Eastern Account Systems of Connecticut, Inc.
State: IL

Complaint narrative:
On XX/XX/XXXX, I pulled a recent credit report to review my credit because I 'm in the process of establishing a business and I need to apply for a line of credit. I noticed there was a Collection entry by Eastern Account System that totally alarmed me. I was never notified that is account when it was added to my credit report in XX/XX/XXXX. My rights under the Fair Credit Reporting Act were violated because I would have disputed first this. I recently sent a dispute to all XXXX credit reporting agencies and of course it came back verified. How could this be? I 've been working extremely hard to maintain my credit report, and I would have addressed this immediately. And not to mention that I still have XXXX services and I have had services for years. Eastern Account Systems derogatory marks on my credit reports are preventing me from establishing a business line of credit and becoming a business owner. I had no knowledge of this account until recently and it ' does belong me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-26 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: CA

Complaint narrative:
While serving I 'm the United States XXXX I was stationed in XXXX XXXX while our XXXX was being renovated and repaired. 
We rented an apartment in XXXX, XXXX. They gave us 1 free month and I think it was if we signed a year lease. Being military we ca n't always commit to a 1 year lease. The manager who signed us up assured we do n't need to worry about it if we move early because of being military. 
Midway through our stay the apartments changed ownership or management. This turned out to be somewhat of an issue for us. The agreement we had with the previous managers was gone because of the change in management. 
During our stay at XXXX we received the news that our XXXX was completed and we would be relocating to XXXX, XXXX. I do n't know about you but we were n't going to rent an apartment I 'm XXXX when we moved XXXX. 
We let them know and we moved. 
Months later we began receiving calls from a terrible debt collection agency. They claimed we owed them for the free month we were provided. Being that I was XXXX military there was not we could do to stay there and complete our lease because of military orders. 
We provided this documentation to these very rude and unprofessional individual at the collection company. He straight up called me a liar on the phone because his " Marine friend '' look at our orders and said they were n't real. 
I have 100 % proof that immediately after moving from XXXX that we had a new place in XXXX and that I was still XXXX 3 years in XXXX, so I assure that my orders were not some false fraudulent document as the collections rep stated by calling me a liar on the phone. 

We are considering legal action as it is as this has caused me significant grief and suffering in my life as it has made it very difficult to rent or buy a home due to the bad mark not only on my credit but to also homeowners when they see we had a nonpayment for a rental.

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 explanation
Consumer complaint received 2017-04-03 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Southwest Recovery Services, Inc.
State: TX

Complaint narrative:
I have not received any communication from this company. It 's reporting to my XXXX credit report and the original creditor listed is XXXX XXXX and I 've never had an acct with them or purchased any merchandise from XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 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: NC

Complaint narrative:
I rented an apartment at the XXXX apartments at XXXX XXXX XXXX . XXXX and moved out of the premises in XXXX of XXXX. I was told that I would have to pay the relenting fees of early termination of lease of {$700.00}. I contacted the apartment because I had received a bill for approximately {$2400.00} from a collection agency called IQ Data International Inc. On numerous attempts. I tried to get the issue resolved with the correct amount being owed. I spoke with the apartment staff that made an adjustment and indicated that they did see an error in the amount that I owed and would adjust it. The adjustment was made to {$1400.00} I tried on numerous attempts to advise the collection agency of the correct amount and they told me they needed a copy of the corrected ledger. I submitted a copy of the corrected ledger, then they said the copy had to come from the apartment complex directly. The apartment indicated they sent a copy over as well. I made an initial payment of {$430.00} toward the balance and had made arrangements to pay the balance of {$1000.00} on XXXX/XXXX/XXXX. I got laid off work and contacted the collection agency and spoke with the unit manager XXXX XXXX @ Ext XXXX to stop that payment and make other arrangements for the {$1000.00} balance. They refused to take my request and told me to call back on Monday and speak with XXXX XXXX the account representative. I asked that since you are the manager, how come you could n't assist me. He said because I just cant. He also denied having the corrected amount that I owe and kept indicating that I was paying on a settlement. I tried to explain to them that this was n't a settlement because the amount of aaproximately {$2400.00} that they have is incorrect in the first place so there is no settlement. I have been placed on hold for long periods, been refused to get proper assistance to get the issue resolved and am very frustrated and concerned with how I have been treated and how they refuse to adjust the correct amount owed. Please help.

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 2015-10-28 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
after being catastrophically injured almost XXXX yrs ago my husband is completely XXXX, he spent 67 days in the hosp. and 32 days of that in a coma, 2 yrs ago Cavalry spv 1 llc sued him [ g e money bank original credit card ] we explained how we now live off of ssd and XXXX ins. they of course did not care, The other day, we received in the mail a writ of execution on our savings ..it was frozen..we have a total of XXXX in the account. These people are threatening to send the sheriff to come and walk through our home and take inventory of our belongings. The total they say we owe is XXXX ... it may as well be XXXX XXXX. they are constantly harassing my ill husband. we live in XXXX is there anything I can do. thankyou,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I moved out from my apt less than 90 days from being released from XXXX XXXX. I informed this of sent my military information and they wo n't stop. I was informed that I qualified in class action suit against the IQData v XXXX but was in the hospital so was n't included in the suit. 

The lawsuit charges that IQ Data International violated the Fair Debt Collection Practices Act ( FDCPA ) by engaging in harassing behavior ; by using false, deceptive, and/or misleading representations or means in connection with debt collection ; by misrepresenting the character, amount, and legal status of a debt ; by ...

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 2015-12-08 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
XXXX KEPT COLLECTING ON THE TRADELINE OWNED BY XXXX AND THE TRADELINE IS STILL BEING REPORTED ON CLARITY, DP BUREAU, teletrack ETC.. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ONLINE Information Services, Inc.
State: MO

Complaint narrative:
I was set up on a payment arrangement for XXXX payments. Instead my entire balance was deducted out at once. It was an unauthorized payment. My arrangement was for XXXX payments of {$110.00} to be deducted from my account by check on XXXX XXXX and XXXX XXXX. The rep that took the unauthorized payment was XXXX with the ext. XXXX. When I realized {$230.00} was taken from my account I called multiple times to resolve the issue and no one answered the phone for the first 5 attempts. When I finally spoke with a assistant manager I explained the situation. They went back and listened to the call and heard me agree to XXXX payments. I asked for the other half to be reversed back into my account and was told that would take 10 days ( after my next due date ). I expressed that I felt I was being penalized for their mistake and I now was short on funds. They told me they could n't do anything else. I received contact information for the manager of that location ( XXXX ). While conversing with XXXX he was rude and made comments after I expressed how much of inconvenience the entire situation has been to me. He said things such as I was an inconvenience to his reps because I am in collections. XXXX expressed that I could have the money refunded once I had my bank send proof via email that the funds cleared my account. I informed him that I was aware that their system updates them once a balance is resolved so he had proof that {$230.00} was removed from my account. He expressed that he still needed proof and offered me a deal to have the payments stay resolved and he will have the credit bureau remove the collections off my credit report XXXX XXXX. I am currently waiting to receive that in writing. I emailed him to inform him that I needed it in writing.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I have not yet received a notice of right to dispute and therefore my 30 days to give written contact has not began since the initial phone call of XX/XX/2015

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: TN

Complaint narrative:
I had a XXXX XXXX credit account. I have a letter showing my account # and the account was paid in full and closed. Calvary Portfolio is suing me for a different XXXX XXXX account that is not mine. It is a different account # and I have sent them the letter and spoken to someone on the phone and they told me they would get me the paperwork to claim it as a fraud account. I have asked them to give me the account information and XXXX XXXX it was opened at but have yet to get anything from them including the packet of information to claim fraud. I have made multiple phone calls to them, their attorney and corresponded with the attorney 's office through email but can not get proof that this account is mine. I have never had XXXX XXXX XXXX XXXX accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 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: NJ

Complaint narrative:
After pulling a copy of my credit report I noticed that Cavalry Portfolio is reporting that I owed them {$1800.00}. I have never done any business with this company and have never owe anyone that amount of money. So on XXXX XXXX I mailed a certify letter to Cavalry Portfolio informing them that I am disputing the debt that they say that I owe, provide me with any papers that show that I agree to pay them. I also requested validation of the so called debt and ask them to delete and stop reporting false information to the XXXX major credit reporting agencies. 

On XXXX XXXX 2016, I received a letter from Cavalry Portfolio claiming that my letter is lacking in any specific information and therefore they can not investigate my claim and that I will hear from them within 90 days from the date of their letter. This is a clear FCRA violation, I should get this information within 30 days of my letter. I mailed a second request on XXXX XXXX, 2016 and its now XXXX XXXX, 2016. I have yet to receive any proof from Cavalry Portfolio that I owe any debt to them and the company is still reporting to the XXXX major credit bureaus that I owe them. 

This company is in violation of the Fair Credit Reporting Act and continues to defame my character by reporting this frivolous debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-25 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: WA

Complaint narrative:
I had a lady calling me asking if I was this person I said who is this she goes I 'm a secretary let me transfer you to the investigator while I was waiting you can hear a beeping like she was calling XXXX way.Same lady gets on the phone and started harassing me over an old payday loan telling me I 'm going to have a felony warrant out for my arrest for fraud. I used my old roommates credit card to pay what I could back in XX/XX/2012. Well she was stating she is having my old roommate charged with fraud also because I used his credit card. I called local police department and told the officer what was going on and the officer told me I can not be arrested over a payday loan because its a civil matter. The lady said she works for XXXX and associates. I googled the phone number and it came back with a bunch more phone numbers. The phone number they called me with is XXXX. The only company with the name is a construction company in XXXX, Washington. She is harassing my family and friends.She threatened to have my child taken away from me. Instant panic and crying. I googled the XXXX law associates and the BBB has XXXX complaints against XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc
State: MA

Complaint narrative:
I have a PayPal credit account. The credit account includes credit from PayPal directly, and a link to my XXXX credit card. I once paid a PayPal credit bill using direct pay from my bank account. On XXXX XXXX, PayPal, without my consent, or any notice to me, debited my bank account for a PayPal credit transaction. I never gave authority for PayPal to ever directly charge my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
My paypal account was permanently limited on XXXX, so was my debit card. I have {$3800.00} in my account and could not withdraw it. Paypal may have right to limit/close accounts, but they should not hold people 's money for that long.

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 2015-10-21 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: Paypal Holdings, Inc
State: DE

Complaint narrative:
I submitted a ad on XXXX for a XXXX ticket that my daughter at last minute was unable to attend. Someone with the name of XXXX XXXX purchased this ticket from flordia. A month later I received a message stating the ticket was no good. I contacted XXXX to verify that it was good and have the email from them stating this. XXXX XXXX image states ok my bad ill check again next month when I go. The second month I get a email from pay pal stating that he did a reverse payment dispute with his credit card company. I feel he has done this to many people defrauding people credit cards companies and so forth. As he seems to be a reseller of tickets I do n't know if this is even the right people to contact about this or not

Company response to consumer: Closed with monetary relief