vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-08-11 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: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
This was the first time I had to acquire a loan, XXXX had sent ads that I could borrow {$6000.00}. I went to the office and applied. The girl rushed me through the paperwork and I was not familiar with interest rates. I think the rate was 25 %. I repaid the {$6000.00} but was charged an additional {$8000.00} on the {$6000.00}. My dispute is that they have the loan posted XX/XX/XXXX, I obtained the loan XX/XX/XXXX or earlier which has been at least XXXX years. The {$6000.00} has been paid back, I explained the situation and said you have been paid back what I borrowed. I feel this is a crime what they have done to me, not only have they exceeded the money I borrowed in interest they have also ruined my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: CAVALRY INVESTMENTS, LLC
State: NY

Complaint narrative:
cavalry portfolio services continues to report account number XXXX as a collection/charge off on all XXXX credit reporting agenciesXXXX XXXX XXXXthis account was included in bankruptcy filed XX/XX/XXXX and they were listed as a creditor on XXXX of the bankruptcy petition filed XX/XX/XXXX. this account should be reported with a XXXX balance and included in chapter XXXX bankruptcy

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Security Credit Services, LLC
State: CA

Complaint narrative:
I checked my online credit report today and discovered that my credit rating had dropped from very good to fair due to a bad debt of {$1600.00} that had gone to collections. I remember receiving a debt collection notice in the mail less than a month ago, but I had disregarded it after XXXX the agency name and only coming up with fraud messages. At that time, when I had tried to call the number in the mail, I was not able to reach anybody or even a machine. My credit report says that the original creditor is a company called XXXX XXXX, but I have never heard of that company before. I have never taken out that loan. I really need help because none of these companies are responding or even available for questioning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
I WAS SUED AND THE LAWFIRM SERVED A XXXX. WITHOUT KNOWING MY RIGHTS, I OFFERED TO MAKE MONTHLY PAYMENTS ON WHAT I BELIEVED I OWED. SINCE THEN, THE LAW FIRM CAN NOT PROVE WHAT I OWE AND WHAT MY ACTUAL BALANCE IS. EACH BALANCE THEY ATTEMPT TO GIVE IS SUBSTANTIALLY DIFFERENT INCLUDING THE BALANCE THEY SUBMITTED ON A BANK LEVY. I BELIEVE I MAY HAVE MORE THAN REPAID WHAT I OWE BUT XXXX XXXX XXXX INSIST THAT JUDGEMENT INTEREST IS THE REASON MY BALANCE KEEPS DOUBLING. THERE IS NEVER A CONSISTENT RENDITION OF WHAT I OWE NOR HAVE I BEEN PROVIDED A LEGITIMATE ACCOUNTING DESPITE MY REQUESTS FOR SAME.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Cavlry SPV I. LlC ; address ; XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, New York XXXX is attempting to collect a debt that I am not responsible/or owe for purchases with a XXXX Credit card as part of a charge-off via XXXX XXXX XXXX and new company owner name XXXX XXXX. I have never owned a XXXX credit card or used a XXXX credit card to acquire product goods and services two years past in 2013. Therefore I believe this is an identity Theft case in which I am the victim.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: I.Q. DATA INTERNATIONAL, INC.
State: MI

Complaint narrative:
In XXXX 2015, I vacated XXXX in XXXX, Georgia. I thought I could work virtually in XXXX, GA where many family members reside. However, with the re-organization of the Department of Veterans Affairs, management advised that it would be best to work in Michigan. Rather than place my 20 year Government career in jeopardy, I returned to Michigan. 

I provided XXXX with the requisite 60 day notice of my impending move back to Michigan. I also requested if they could extend the change of duty clause they have for military personnel to U.S. Government workers. This clause allows for the military personnel to leave the lease early if they have a change of duty. The Manager at XXXX XXXX initially told me that Yes the clause covers U.S. Government workers. 

Just a few days before my move in XXXX 2015, I received notification from XXXX XXXX XXXX Tenant Relations, XXXX managing office, that only military are allowed to leave the lease early! As such, they said I owed {$2200.00}. 

To make matters worse, XXXX has added my {$200.00} security deposit to the debt in lieu of deducting it! I have asked for a payment plan for a reduced amount based upon the circumstances and removal of this collection from my credit report. Yet, XXXX referred me to their Collections Agent, IQ Data International. IQ Data International has referred me back to XXXX for any type of Payment Plan! In the meantime, my credit is ruined by this collection and I can not purchase a home. XXXX has also added interest charges and damages to the amount owed. There were no damages to the property. This is clearly an attempt to ruin my credit and falsify records!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: CNG FINANCIAL CORPORATION
State: OH

Complaint narrative:
I was attempting to contact the lender so that I can end the revolving loan and make an arrangement to pay the balance. I have already made 3 payments to them and it has not done anything to change that amount due on the loan. I am wishing to close this loan and make a more reasonable payment schedule so that I can get out of this financial burden. When I finally got in touch with a representative they we 're not willing to hear me out or discuss options so that I can pay off the loan without needing to get another. This is the first time I used a service such as this and I vow to never do it again. All I want to do is close the loan and pay back what I borrowed in a way that is affordable to me. Also the loan documents are dated to show I refinanced on XXXX XXXX 2016, when it actually occurred on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LENDER LIVE
State: MN

Complaint narrative:
I became behind on my mortgage payments due to loss of income in the home. In XXXX 2015 I met with and discussed my options with a foreclosure program for my area. I filed the borrower response package to my mortgage lender per the suggestion of the the foreclosure prevention program. I received notice in mid XXXX that in order to process the loan modification request they needed more verification 's, I sent in the requested verification 's via fax. I had n't been sent a decision of my request but found out on XXXX XXXX, 2015 that my home had been sold at a sheriff 's sale on XXXX the XXXX. I have researched what I did wrong and other than falling behind on my payments I followed the procedures that I was supposed to to prevent the sale of my property. Once the request for loan modification/ partial forbearance of my FHA issued loan the foreclosure process should have been suspended until they fully processed the request. I also was not given a chance to appeal their supposed denial of my request because I did n't receive the denial. According to the law I was n't given the opportunity to save my home like I should have been able to. Since the request for loan modification I have been setting aside what would have been my loan payments in good faith that my situation would be given the consideration that it is supposed to under the law. I would like assistance to get the sale overturned and the full opportunity to save my home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 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: NM

Complaint narrative:
I noticed this debt collection company has been listing a collections account on all my credit reports. I never received any correspondence from this company and never received a notice of right to dispute. After finding this account on my credit report, I have sent several letters via certified mail warning this company to verify the debt and if unable to delete this information from my reports asap. They have failed to respond and have failed to remove this account from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
Retired military do not keep dental coverage so I had to resort to a ChecknGo Payday loan to finish my upper dental work and purchase my upper dental plate. The dental cost was {$2500.00}. When I went to pay off the {$2500.00} I borrowed, ChecknGo charged me and additional {$2500.00} in interest even though I had made more than {$1400.00} in payments. When I asked why my payments were n't applied the clerk told me that I had to pay interest first and none of that was applied to the principal. I am a XXXX XXXX living paycheck to paycheck and only used ChecknGo as a last resort because I had no upper teeth. ChecknGo are Paydayloan robbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.Q. DATA INTERNATIONAL, INC.
State: OH

Complaint narrative:
I offered to pay XXXX $ a month til it was paid. The debt is XXXX $ and only a month old They are demanding full payment by XX/XX/XXXX and the debt is only 45 days old by XX/XX/XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 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: CA

Complaint narrative:
XXXX $ has been put on my credit dating back to 2013 from an apartment in which i did not live or have a lease at. I disputed this a few years back and it was taken off my credit, all of a sudden a few months ago it is back on and XXXX wont get back to me on all the disputes ive sent in. This is ruining my life and i owe this company nothing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have permanently opted out of financial solicitations by following the directions for pre screen opt out and submitting that removal in writing. It has been successful in that I no longer receive solicitations. However, since opening a loan account with PNC Bank XXXX XXXX XXXX, they send me credit card solicitations at least monthly. I have called them each time and requested removal. They have either pretended to cancel or directed me toward the opt out steps ( which I took years ago. ) They are harassing me and will not respect my request by phone to be removed from their solicitation list. It is a waste of mail and time. They send XXXX copies each time - me and my husband. They may even be committing a crime by soliciting to someone who has permanently opted out of pre screen credit card offers. No amount of begging and pleading by phone has gotten them to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I XXXX XXXX with This letter is to complaint about a problem I am having with PNC Mortgage loan # XXXX, I am complaining because they been foreclosure on me since XXXX/XXXX/XXXX width paper work from a mortgage paper work from XXXX/XXXX/XXXX, I complaint and say they used the wrong documents but no one does anything to help me on this wrongful foreclosure because I modified my mortgage on XXXX/XXXX/XXXX and on this loan they commit violations of TILA I have already attempted to resolve this problem by contact them by phone and in written. I have enclosed copies of my records. Include copies of their letters and other relevant documents with dates and Balance Discrepancy 's. Unfortunately, the problem remains unresolved I am hereby requesting that you CFPB please help me with this Bank PNC to repair and fix this foreclosure and I Insist Pursuant to TILA, 15 U.S.C. 1635 and Regulation Z, 12 C.F.R. 226.23, on changes to the release document such that you PNC MORTGAGE are not able to claim the note and mortgage because they are void, invalid, non-negotiable, Pursuant to TILA and Regulation Z, you have twenty days after receipt of this Notice of Rescission to return all monies paid and to take action necessary and appropriate to terminate the security interest. Please be advised that the mortgage is automatically voided by operation of law upon rescission under 15 U.S.C. 1635 ( b ). and for you CFPB to help me to get this to the respect Parties to send demand letters to for errors and omissions and malpractice and find this bank guilty of the damage they have caused me, I have been struggling with my case for XXXX trying to negotiate a loan modification but this Bank PNC ignore my request for two years I am not asking to give me a free house I am asking you for justice for me as well as for other citizens, These bank continue to take advantage of the clients and home owners, mock the laws with fraud and false statements false documents and here I have evidence on XXXX/XXXX/XXXX my house was on for foreclosure sale that I stop filing for bankruptcy protection even after I send them the rescission notice, all I want is justice and a loan modification and the adjust price of my home that is under water Thank you for your anticipated assistance in resolving my problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: MD

Complaint narrative:
My mortgage was sold to a new company without any notice to me or my wife. I tried to make my monthly mortgage payment to the company I had been paying ( Stearns Lending ) and was told that they no longer held the mortgage and that I should contact the new company. I only have XXXX pieces of information for the new company the name " XXXX '' and a phone number of XXXX. When I tried to call XXXX I received an automated message that if my loan was recently sold that they 're customer service agents would not have access to any information for my loan and was not given any options to speak to a live operator.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Midwest Loan Services, Inc.
State: CA

Complaint narrative:
My mortgage LTV is currently 77 % and the mortgage service company will not remove my PMI. They have sent a new letter stating I must have a 75 % LTV. 
Last year, when the LTV was at 79.6 %, I sent a written request to remove PMI and they denied my request but did not explain what specifically disqualified my request. This was a refi but I 'm not seeing anything in the rules making it different from an original purchase. 
If the law says PMI must be removed when I reach 78 % LTV, why can the mortgage service company keep charging me this fee?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Profit Services Group
State: GA

Complaint narrative:
I have been contacted by Profit Services Group in XXXX, Ga who advised I owe medical bills from XX/XX/2010 that has passed the statute of limitations and bills that my ex-wife were responsible for due to divorce. I have requested on several occasions to be provided proof, but only tell me the bill is mine. I asked to see the original documents from the service provider after I was informed all original paperwork was sent to Profit Services Group. Profit Services Group has failed to provide the documents and continue to threaten me with court action. 
I paid ( XXXX ) recent bills but what they are threatening now I have verbally disputed to the employee whom contacted me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I am getting a bill form Alliance One who bought a debt from XXXX that also not my account and I have disputed this account with the credit bureaus and it was deleted. Now Alliance One wants to buy debt and try to come after me and jepordize my credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Advanced Professional Group
State: NH

Complaint narrative:
APG and associates collection agency continues to call family members and others no matter how remotely they are associated with me even though I have already spoken with them multiple times and given them my phone number, address and email address. They continue to claim that they are calling from a lawyers or mediation office and that there is action being taken against me. They refuse to identify themselves as a collection agency and continue with abusive and illegal collection practices. I have asked the agent, XXXX XXXX ( XXXX ), repeatedly to send me something in writing about the debt and they claim they will yet I have received nothing. I do n't even believe that APG is actually their company name. There is no website associated with the name APG of New York. I find it strange that I ca n't find any information about this business online anywhere. A search of their address brings me to another company called XXXX XXXX XXXX, XXXX. or XXXX which both have XXXX Alerts on them. Every tactic they use goes against the FDCPA.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
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 been a customer of PNC for almost three years. I believe that PNC targets their consumers who once they have reached a certain amount of overdraft fees, they just add erroneous fees later. Example. Last year I had a lot of bank issues and I had {$180.00} worth of overdraft fees. This year I decided to keep better track of my spending to avoid these fees. 
In XXXX my account was overdrawn {$60.00}. PNC 's policy is you have until XXXX to bring it current otherwise you will get a {$36.00} fee. I took out a payday loan of {$100.00} and put it in my account, so I had a positive balance. The next day PNC charged me {$36.00}! I immediately called the branch the manager argued with me and said that even though it 's not PNC 's error she would refund my OD fee since I did get a payday loan to avoid it and she wants to acknowledge my effort ... Since my OD was refunded I did n't proceed any further. Now as of yesterday I had XXXX deposits. XXXX for {$8000.00} another for {$160.00} and another for {$750.00}. Prior to the deposits my account balance was - {$17.00}. I put {$17.00} on my card which left me with {$.00} overdrawn and PNC policy is any balance {$5.00} and under will not get a fee.. I wake up with almost {$10000.00} in my account and I see an OVERDRAFT FEE!! Because a check for {$110.00} was processed BEFORE they let my credits come through! They do n't time stamp when debits and credits come through for the purpose of being able to process debits before credits. Because since my balance was XXXX cents they allowed the {$110.00} to be processed so the {$36.00} fee could be charged and THEN they let my credits come through. I spoke with another employee who advised that while they can see where I would think their system is triggered that once you hit a certain dollar amount of OD fees, they will just throw random fees at you. She assured me that 's not the case even though she could n't admit which transaction came first the debit or the credit. Based on yesterday me getting an overdraft fee based on them saying the debit was first but they do n't time stamp so they ca n't prove it, then they do n't need to be charging fees!! How many other people have they got with this technicality? Basically we do n't know which came first, but we are going to benefit from this either way???!!! I geniuinely feel that if you all start and investigation you will find that PNC has very shady practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Deposits were made on Wednesday, XXXX/XXXX/16. The bank did not make any money available the same day as required. The next day nothing was made available. Now Friday the second business day still nothing is available and the bank has stated that the items are " under review '' and has given no indication of when the funds will be made available.

Company response to consumer: Closed with explanation