vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION
State: AE

Complaint narrative:
My name is XXXX XXXX XXXX XXXX and I purchased my home in XX/XX/XXXX, the worst year to buy since prices of homes were high and now the value and cost of homes has plummeted. 
Since I purchased the home, the XXXX has had me away from it on XXXX and XXXX for six of the eight years I 've owned it. 
I 'm currently XXXX to XXXX and not receiving a housing allowance since my XXXX started from XX/XX/XXXX. 
I worked with a realtor ( XXXX XXXX ) towards a short sale but due to the VA 's inflated appraisal, the house has not had any offers on it in over 8 months now. 
The bank is trying to foreclose but I 'd prefer a new VA Appraisal and it be short sold instead. Is there any possible way the CFPB can help? This is my second attempt to have the CFPB assist. Thank you kindly.

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 2015-08-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I am filing a complaint against Alliance One for violating the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), and I mailed certified letter requesting validation of debt owed on XXXX/XXXX/2015 to Alliance One Receivable Management Inc. I was unaware of the debt owed or which organization I owe the debt too until I checked my credit report. I informed Alliance One in writing that I was NOT requesting for " verification '' or proof of my mailing address, but a request for VALIDATION made pursuant to the above named Title and Section. 
I asked Alliance One in writing to please provide a letter with the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered AgentAlliance One Receivable Management Inc failed to validate the debt owed as I requested in writing, and this company responded with AllianceOne Receivable Management Inc generated bill statement of how much I owed. Under the Fair Credit Reporting Act, I have the right to ask for validation of debt. On XXXX/XXXX/15, my husband received XXXX County District Court XXXX XXXX XXXX court order garnishment letter against me filed by Alliance One Receivable Management Inc. Alliance One Receivable Management Inc. violated Fair Credit Reporting Act. I did not sign the certified letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Issue with PNC Bank, on XX/XX/2016 I made a mobile check deposit for {$150.00}, on XX/XX/XXXX, I looked at my balance and I had a positive balance but did not see the {$150.00} kick in, I used my bank card that day, my car insurance was paid so looked good, in my number on XX/XX/XXXX, I was supposed to have a balance including the {$150.00} deposited on XX/XX/XXXX, however, to my surprise my account was negative. I immediately called the back as this caused lots if stress that day as I had no money available. The rep on the call tried to help and I explained about the {$150.00} that I never saw get into my account, and that it was showing as pending on the statement for the day, the rep then called the deposit department who stated there was a glitch in the system and that is why it was showing as deposited and in pending, but that in actuality it was not deposited, and that the next day I would see the payment kick in and my balance would turn positive. I waited for the next day and my balance was still negative, then everyone stated the funds were released on time that there was no glitch, I requested for the recording to be pulled as I wanted an explanation as I was hearing 2 stories. They took over 3 weeks to get a response and basically they told me the recording was pulled and action was taken, but I never got a response about the {$150.00}. I know that PNC does not need {$150.00}, but to me they have lost my money and this is a reason I can not trust to continue to be a customer there, they never addressed the statement made by one of their reps about a glitch. I was watching my account spending 's really closely and I am sure I was not off for that much money, therefore, for me those {$150.00} were never deposited to my account. Really disappointed as they never gave me a real explanation as to why someone said there was a glitch. I am a computer engineer and I know systems are perfect but glitches do happen and transactions can get lost

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX/XXXX/2015 my bank account balance with PNC Bank was XXXX. On XXXX/XXXX/2015 the bank charged a {$36.00} overdraft fee with no other posted transactions. 
XXXXXXXXThus, leaving me with XXXX dollars in the bank. On XXXX/XXXX/2015 I had XXXX deposits come in and a bill pay go out. I called the bank of PNC to report my account was in the positive when they charged an overdraft fee and after the fee, my account was still in the positive. 

I spoke to the bank employees and I was told they process bills before deposits, thus putting my account on XXXX in the negative forcing it to go into the negative so they can collect a fee. I told them all the transactions ( as you can see in the screen shot ) are pending as they are posting as of today, and my account was still in the positive and no reason to charge a fee. They refused to return the fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: PA

Complaint narrative:
Stonegate Mortgage has paid invoices submitted to them regarding my account without consulting me. Consequently, they have paid XXXX insurance agencies that are not my provider for an amount over XXXX. 
I wish to formally have the following happen : I am formally Disputing the invoices that lead to withdraws to my account Have Formal Investigation into all withdraws from my account I did not authorize any withdraws from my escrow receive all documents regarding withdraws from my escrow Refund all funds back into my escrow Correct my credit score from XXXX/XXXX/16 Refund XXXX extra charge given on XXXX/XXXX/16 I can be reached at XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IA

Complaint narrative:
PNC Bank Mortgage is reporting " serious delinquency '' due missing XXXX 2013 payment for XXXX mortgage ( XXXX ) & XXXX mortgage ( XXXX ). 
Payments were made with late fees on XXXX/XXXX/13 XXXX {$2400.00} & XXXX XXXX, but being reported as XXXX payments. XXXX payments never sent because the accounts were settled less than full balance and closed XXXX XXXX, 2013. 
Should not be reporting " serious delinquency '' when all payments made through XXXX 2013 and account settled in XXXX XXXX, 2013, so XXXX payments made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was aware of an overdraft that I did and was charged {$36.00}, not once but 3 times, when I called the bank they said I had bounced XXXX charges, XXXX of them was after I made a deposit and was credited {$100.00} to my account until the check cleared ( 24 hours ). I had brought my account to a positive balance. After looking on my online bank statement there is no documentation showing I was ever in the negative. They just apologize, said there is nothing they can do. End of story.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am writing this in regards to my loan application that was declined by PNC bank. They already gave me the {$81000.00} in 2006. In XXXX i submitted an application to convert the load from a HELOC to a XXXX mort. as they had contacted me telling me the loan was coming due and needed to be renegotiated., so i complied and submitted all my information. 
When i initially applied i wanted to be sure they knew what had happened on my first mortgage, that i had been contacted by XXXX and they had offered to modifty my loan by {$120000.00}. In the decline note from XXXX XXXX she stated " that i had a modification on the HELOC which is incorrect ''. I was startled and amazed to the point that when XXXX offered the modification that i sent the documents to my attorney to review to be sure this was not a scam. She told me to sign and return them immediately and that they were one of the banks that had their hand slapped and " lucky me '' I was one of the lucky ones to benefit. It does not feel as much like a benefit now. 
I am a XXXX old, single woman, and I want to retire but i need this in place so i may but now that PNC has declined my app due to the modification I will be in a very difficult position. 

Why would a bank that has already given me the money 10 yrs ago turn me down now, my credit score is XXXX, i am making double payments to them and have not had a late payment in many years anywhere. 
I need help, how can i get a loan for XXXX when the bank that already gave me the money turns me down. Why would a modification that i did not apply for affect my situation? 
Please help me any way you are able. Thank you XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
They are calling regarding an unverified debt with a credit card company. I told them I would be happy to get a letter and not to call. They keep calling XXXX. They need to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: UT

Complaint narrative:
I had to declare bankruptcy over five years ago. When I filed I told the attorneys to leave my house out because I was n't behind on mortgage payments. Much later I found out my house was included in the bankruptcy, even though I was n't behind on payments. Someone was awarded XXXX. I called XXXX XXXX XXXX, Green Tree and, ditech, they all denied receiving the money. The firm handling my bankruptcy would n't help me unless I paid them more money. When the bankruptcy was up I was one month ahead on payments, ditech sent my loan to collection. I refinanced my loan through XXXX. ditech sent them a payoff amount, it was payed, two months later I received a bill from ditech stating I still owed them over XXXX. Ditech mortgage is robbing people. I want to know where the XXXX awarded in the bankruptcy ended up and, how to get it back. My heart goes out to ditech customers. REFINANCE before it happens to you!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 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: FL

Complaint narrative:
I have been trying for a while to validate an item that they are wrongfully reporting on my credit history. I have been very clear about the information I need but have n't received the information I requested. I do not have a contract with them nor the creditor.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-16 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
At the moment I do not have the ability to pay Tower Loan. They have been calling work and I asked XXXX the branch manager on XX/XX/2017 to stop. He said no. The very same day the called again and continue calling my work. I had no problem them calling my personal phone. One of the employees came by the house and gave my financial papers to my wife ( which she had no knowledge of the loan but now she does now )... sharing loan information other than the account holder is a violation of the law.

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 2015-09-14 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: I.Q. DATA INTERNATIONAL, INC.
State: NY

Complaint narrative:
I was living in a apartment complex XXXX in XXXX XXXX XX/XX/XXXX/XX/XX/XXXX. I have never been delinquent on rent. I gained what i feel was a great relationship with the management team and worked very closely to a worker by the name of XXXX. Due to my mother having XXXX XXXX and becoming sickly I ended up having to move back to XXXX in a emergency. I spoke to XXXX and a few others that worked there about my personal information whereas an agreement came about to me being able to leave a bit earlier due to my situation. They informed me that the best they can do was for me to write a letter giving my 30 day notice so they can put the apartment back on the market preventing them from losing revenue and I can leave after the 30th day. In between time I was not aware that new management was taking over. Workers changed etc. When I spoke to the new workers they made it seem like everything was okay. I am trying very hard to fight what is right. If you look at my rental history I have never owed anyone and not pay them. Even if you look into my credit history if I came to a bump in the road I paid it up. It is not fair to me to be informed certain information in agreement and understanding especially when they see I pay my rent which was the reason why they even allowed me to leave because I have done good by them. Now they are saying I owe XXXX dollars for an apartment that cost XXXX a month. I left in XX/XX/XXXX and my lease was up in XX/XX/XXXX. This is incorrect, very incorrect and I have no idea where these numbers are coming from. I feel like I am being scammed and the credit bureaus wont do a thorough investigation. They need to contact management who was there when I resided there in hopes that they remember my case to assist me with these fraudulent charges. I work very hard for my money and would take them to court before I let someone be so immoral just to take money from me that i rightfully do n't owe. I do n't mind paying any debt I have back as you can see. Please assist me with this situation. I also have witnesses from other tenants who lived by and knew my situations and the outcome of how they helped me. I am not sure if it was against their policy but because I gained such a good relationship with them, they worked with me. 

XXXX and XXXX has assisted with my complaint and concluded the account as being closed or Paid, but XXXX wont take the necessary steps to see that I am correct. 

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 2016-11-08 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: KY

Complaint narrative:
In XXXX XXXX I rcvd my first letter from Cavalry Portfolio Services Requesting Payment of XXXX XXXX XXXX Acct ending in XXXX for a balance of XXXX. I immediately sent a request for validation requesting several items be verified for this account not knowing where this account originated from. I requested original name, account number and amount owed. 
-a copy of last billing statement - if the debt was within the statue of limitations and when this expires -the original signed agreement showing balance on the account from zero to present along with licensing requirements to collect in the state of KY. The company failed to validate this debt within 30 days instead stated they would respond within 90 days leaving the account in dispute but failed to report that to the credit reporting agency. But while the account was in dispute sent a bill requesting payment of the account due on XXXX XXXX. I then received validation or what they call validation of the debt on XXXX XXXX, XXXX. The validation consisted of XXXX states and a list of the states they hold a license in to practice but did not include the other requested information. 

In XXXX of XXXX XXXX XXXX debt collector attempted debt collection for XXXX on this account and I reported that this account was a stolen account by an ex husband in XXXX while going through a divorce and was reported as such when discovered in XXXX. 

In XXXX XXXX This account was bought by XXXX was attempted by that company at which time I reported again the same information and collections stopped. I am unsure why collections continue with this account and I have had to fight the same issue with several accounts as they pop up over the past few years. 

I am tired of the continued harassment after reporting this issue and should not have to keep reporting it only to have it as a negative mark on my credit report. 

I have had to deal with Calvary for the last year on a previous debt which they also failed to validate as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: MO

Complaint narrative:
Last week I was flooded with letters from lawyers saying I am being sued. So I got on court online and saw that I am being sued by Cavalry Portfolio Services, XXXX. XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, N.Y. XXXX XXXX. I immediately sent them a register letter but have not received a response. I research this company online just to find they have harassed and got judgments from unsuspecting people in the past. They have been sneaking around my house leaving cards, too. I live in the country and find this scary. I ca n't say how dangerous this can be for someone.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 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: OH

Complaint narrative:
They left me a voicemail threatening to charge me with check fraud and serve summons at home and place of employement if I did n't contact them and pay immediately. I was going through a tough time and never attempting to defraud them in anyway. The collection company was XXXX in XXXX PA. Their phone number is XXXX. I have the voicemail saved on my phone as evidence. They also called members of my family telling them they would be at fault if I did n't receive my " summons ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 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: WA

Complaint narrative:
While I was in XXXX and then on XXXX XXXX in XXXX from XXXX-XXXX, XXXX roommates that I had been living with left the apartment without my knowledge. When I returned home, I no longer had contact with the roommates and several years later, I started receiving harassing phone calls from IQ Data Int'l. They kept asking me for contact information for the XXXX former roommates, which I did n't have. They accused me of lying, they yelled, they told me I had to pay the outstanding debt immediately, otherwise they would n't " give me a deal '' and then they threatened to sue me. 

When I explained that I was in XXXX and did n't receive any notification that my former roommates left, they said " that does n't matter. '' They kept cutting me off when I tried to explain I was n't even in the country and the representative from IQ Data said " You need to stop talking and listen me. '' They would n't let explain and they just kept yelling at me.

Company public response: Company disputes the facts presented in the complaint
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: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
Issued a wage garnishment on a debt that is over 6 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: AL

Complaint narrative:
I contacted Eastern Account Systems and advised them that the account obtained by them from XXXX XXXX was a result of identity theft. The account was previously with XXXX XXXX XXXX and they voided the account as a result the account was removed. 

The first representative i spoke with advised me to send my former complaint with CFPB. The second representative wasnt helpful at all and told me SHE could not clear the account. The service address for the account is somewhere I have never lived. I gave NO ONE my authorization to obtain a XXXX account in my name. I also was out of the country training for my job when the account was opened and obtained the account. 

I am also mailing the " present '' collection agency an identity theft affidavit notarized, my dispute letter, and a copy of this complaint.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
Provider under contract with XXXX XXXX to accept their payments. Provider is refusing to honor contractual obligations and trying to collect more from me than the insurance company says I owe.

Company response to consumer: Closed with explanation