vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NV

Complaint narrative:
I applied for assistance for our mortgage on XXXX XXXX, 2015 via our attorney. Our servicer is PNC. They confirmed our application for assistance was under review and we awaited the response from PNC. We received a letter of denial dated XXXX XXXX, 2015. We are in the process of appealing that finding via our attorney within the allotted 30 days allowed by law. During the timeline when we were under review for assistance, the foreclosure attorney for PNC initiated a foreclosure by recording a Notice of Default on XXXX XXXX, 2015. We are being told this is illegal and it is called dual tracking. Our attorney contacted PNC and they state that our mortgage and property is on hold and a notice of default should not have been filed. Our attorney then contacted the foreclosure attorney, XXXX XXXX and they state they have no info from PNC stating the loan/home is on hold. Both parties say to have the other call them. Neither is willing to call the other.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I opened a checking account 19 yrs ago with another financial institution, they were bought out several times, and just stayed. my kids opened checking accounts there too, and my name is on there 's too. I had to help one of my kids get a loan for his car, they required me to be the primary. The account was up to date and they went in and took an unauthorized car payment out of his brothers bank account without permission from any of us. He called and spoke with XXXX XXXX ( XXXX ). She told him on a recorded line that I authorized it, which was a LIE. He told her that they had no right to do that and that he wanted his money returned, she told him that because my name was on his and his brothers checking account and he did n't have sufficient funds that they took it from his. I called and talked to XXXX XXXX in Executive client relations office ( XXXX ). I told her that it was underhanded and sneaky way of doing business and that i expect his money to be returned to him or that I would be filing a formal complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I have been left as a victim of identity theft. Someone has been using my ID/Social/Drivers license to take out loans and credit cards. I have been trying desperately to let these companies know about my situation but there is XXXX company that refuses to take any of my claims seriously. I was traveling around the world as a drummer for my band for a little over a year. Someone that looks like me was using my identity and my home to commit fraud. Alphera Financial Services was XXXX targeted lender. They granted this thief an auto loan in my name and refuse to send me any proof of their investigation. They do not accept my calls since I ask I record them as well as I will not speak to them on a recorded line if they can not grant me the same privilege. They will not send me proof through mail. I can not get this company to mail me proof or speak to me. This company MUST adhere to FCRA and send me the proof I am requesting!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CONTRACT RESOLVE GROUP LLC
State: TX

Complaint narrative:
Debt collector made several calls to work associates and in-laws describing debt in detail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
The lender filed for lender foreclosure in XXXX 2016 but has not moved forward with any action since the filing. The community has suffered by watching the property go into disrepair. Currently, trim is falling from the home, the siding is covered in green algae, the back yard is full of trash and piles of debris, the lawn is not being cared for, plants are overgrown, lawn is waist high, plant beds are full of weeds taller than most people. The community has patiently been waiting for the home to sale but every offer ends without a sale and the real estate sign disappears for months at a time. The second real estate agent 's sign disappeared about a month ago but no sale took place. We are uncertain that the home owner resides in the home and question the safety and health of these residents if they do. Activity is spotty and has been less and less over the past few months. In the beginning of the year, a car was parked in the driveway almost every day but now residents report no one has been there in weeks. The surrounding residents are afraid that the condition of this home is lowering property values in addition to attracting wild animals to live in the neglected conditions. The entire community is troubled that the mortgage process has been allowed to carry on for so long without action on a home that will ultimately end in foreclosure because the owner has abandoned the home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26 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: IN

Complaint narrative:
I included a debt of XXXX mort for XXXX on my chpt XXXX bankruptcy against pnc mortgage a few mos ago I ran out of money defaulted on chpt XXXX now am getting a collection agency call me hound me for XXXX and mail me letters I am going tgo rsume my chpt XXXX in a month I want them t stop harassing me

Company response to consumer: Closed
Consumer complaint received 2015-10-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
On XXXX XXXX, XXXX Cavalry Portfolio Services LLC ( CPS ) filed a complaint against me. They served me on XXXX XXXX, XXXX ( docket is attached ). I filed a Notice of Dispute requesting debt validation into the court record on XXXX XXXX, XXXX. I never received debt validation. I filed my Motion to Dismiss on XXXX XXXX, XXXX after requesting an extension of time to respond. The Plaintiff 's attorney filed paperwork into the court record without providing me any copies on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, the Plaintiff filed an Account Settlement into the court record without my receiving or agreeing to it. A hearing was set for my Motion to Dismiss on XXXX XXXX, XXXX. Prior to that I filed a Motion for Leave to Amend the Motion to Dismiss on XXXX XXXX, XXXX because there was new information I found. At the hearing on XXXX XXXX, XXXX, I informed the court that it had no jurisdiction over me because the complaint was filed XXXX and I live in XXXX. I also informed the court that the Plaintiff lacked standing because the Bill of Sale and Assignment of Loan attached to the complaint stated that loans were sold to Cavalry SPV I , LLC ( SPV ) and it did not identify me or any account of mine. CPS and SPV are XXXX different entities. CPS is from XXXX and SPV is from XXXX. The Plaintiff 's attorney told the judge that if she granted my Motion to Dismiss, the Plaintiff would be unable to file a new lawsuit because it would be outside of the statute of limitations. Incredibly, the judge allowed the Plaintiff to be substituted on XXXX XXXX, XXXX! It is not my fault that the Plaintiff lacked standing because the attorney named the wrong Plaintiff. Furthermore, the Plaintiffs have never validated any debt to me nor provided any assignment of a debt contrary to XXXX Statute XXXX. I timely filed my Objection to Substitute Plaintiff on XXXX XXXX, XXXX and requested a hearing, which still has not been heard. My Amended Motion to Dismiss will be heard on XXXX XXXX, XXXX. This debt collector has affected my reputation by having a complaint against me since XXXX which was served in XXXX. These debt collectors had no right to sue me when they never provided to me any debt validation including loan level documents, contracts, terms showing the interest changes, how the amounts were calculated, who the original creditor was, etc. 
The court is permitting this debt collector to change the party suing me almost five years after the lawsuit was filed. It is not my fault that this debt collector has faulty records and does not know what it is doing and who it should sue. I do n't understand how a Plaintiff can be substituted after more than four years in a lawsuit. The Plaintiff was conceding that they had no right to sue me as CPS and requested that the court allow them to continue to harass me by permitting the change of Plaintiff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31 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:
Lease was broken due to loss of employment and XXXX. There were 3 months left on the signed lease. The apartment was re-rented a month later. They kept the security deposit of {$1400.00} and trying to charge me and additional XXXX although there was no loss of rent. Apartment was cleaned and were no damages, IQ Data is harassing me on a daily basis. Under the Washington Law Tenants ACT, they are breaking the rules. Landlords must mitigate there damages. I have written to these individuals and they have placed this on 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 2016-05-06 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: FINEX Group LLC
State: CA

Complaint narrative:
i gave a vehicle away signed a bill of sale and turned in a release of liability to the XXXX XXXX plus years after i have a report on my trw that i have a XXXX dollar debt for the vehicle after it was impounded.i contacted the reporting persons and was told that because the other party had not followed through i was responsible even though the calif XXXX couldnt find a record of me owning the vehicle.i tried working with this company providing all the info i could for them even though the dmv wasnt able to find my name attached to this vehicle and refused to investagate anything

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Southwest Recovery Services, Inc.
State: OK

Complaint narrative:
XXXX XXXX, with Southwest Recovery Services, has been calling my work for months now. She 's been asked several times by myself, my co-workers, and my managers to stop calling me at work, as I do not take personal business calls. My job is to answer a very busy phone line, and I do not have time for chats. 

When told this, she gets insanely unprofessional and begins arguing, stating that she has ever right to call me at work. It has escalated to XXXX to XXXX calls per evening now. This is insanely unprofessional and uncalled for, and I need it to stop. 

On my personal cell phone, I get upwards of XXXX calls a day from her company.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
I contacted this company via us mail in an attempt to verify this debt. I received a letter in the mail that I owed XXXX, then the amount reported was XXXX on my credit file with XXXX. I disputed this amount with XXXX and the company in returned reported that I owed XXXX. I never received a right to dispute this debt from the company as well as never received any debt verification. The company sent a letter stating that I owe XXXX in which I paid them directly ever bill I owe. I contacted XXXX XXXX XXXX and they said that I have a XXXX balance with them and they have no idea of what this company is collecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: ONLINE Information Services, Inc.
State: GA

Complaint narrative:
Online Information is a collection agency is reporting on my XXXX credit file incorrect illegal information because they are not a lender. The law states at no times does a collection agency become a lender so this type of reporting is illegal. They do n't have the rights to report account type-open nor pay status-in collection nor loan type-collection agency/attorney because this is not a loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: WV

Complaint narrative:
I was sued in Magistrate court by a XXXX party collection company that supposedly bought the debt from the original lender. The original lender has had my credit report purged of this debt after they researched the debt. The Debt collection company has refused to do so and filed suit. They have been asked several times to provide original loan documents, last payment info, and papers showing that they actually " own '' the debt. The last time they were asked was a court order for discovery and they did not produce the paperwork before the hearing on XX/XX/2015. The Magistrate dismissed the case due to the lack of evidence on their part and the fact they did not produce any discovery as directed. The company, Calvary SPV I LLC, will not recognize the fact that the original lender has forgiven the debt and sent a letter to all XXXX major credit bureaus to purge the debt from my records. The lack of discovery at the hearing is the crux of this complaint as the company has never produced any documentation during this process. Even though the current suit has been dismissed, I am sure they will appeal or ask for the court to reconsider as they have in the past ( the XXXX time was dismissed because they did not show up for the hearing ). They do not even have the correct bank listed as the original debtor on the court documents and this might be part of why they can not produce the correct records.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-02 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: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Someone purchased lights in my name without my permission. I reported it to the company and requested that they remove the items from all XXXX credit bureaus. The company failed to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: LENDER LIVE
State: CA

Complaint narrative:
My mortgage was serviced by LenderLive. I was current on the loan as of XXXX XXXX but I was out of work and using savings to pay. I agreed to a forbearance plan with LenderLive in XXXX XXXX. I explained that I need a security clearance to get work and therefore needed to avoid any negative credit reporting for the mortgage. They told me that they would not do negative credit reporting while I was on the forbearance plan. 

The forbearance plan was supposed to last for six months, until XXXX XXXX, XXXX. At that point I would enter into a repayment agreement with LenderLive according to the plan. Instead, LenderLive reported on my credit as if I was missing payments during the forbearance plan. I noticed the negative reporting in XXXX XXXX. I was looking at my credit because I was going up for security clearance for a job. When I called LenderLive about it they refused to fix the credit reporting. They had previously been ridiculously rude to me over the phone -- they even insulted me for being a XXXX veteran. 

In XXXX XXXX LenderLive transferred my loan to XXXX. XXXX did not have any information about the forbearance plan. As far as they were concerned, I was six months behind on my mortgage. After the transfer, LenderLive refused to talk to me about the issue or to fix it. They just directed me to XXXX. XXXX did n't have the records and did n't know what I was talking about. 

I want LenderLive to correct the information reported on my credit to reflect that I was on a forbearance plan and was not responsible for the payments from XXXX XXXX through XXXX XXXX. Therefore I should not have missed payments recorded for those dates. I would also like an apology for their insults of my status as a XXXX veteran.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services
State: FL

Complaint narrative:
Viking Billing Services is attempting to collect a debt for XXXX car rental. I do not owe XXXX car rental and did not rent a car from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: I.Q. DATA INTERNATIONAL, INC.
State: LA

Complaint narrative:
I have received rude and threatening calls from a woman named XXXX who works for IQ Data ( XXXX ) She has called and harassed me for about 2 months about a debt that I do not owe. Calling my place of employment, speaking with employer and also calling my work phone numerous times. I do need this harassment.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Indicated committed crime not paying
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
This is a complaint against Cavalry Portfolio Services. I was victim of identity theft, I did everything I had to do to follow the law and made a police report, I made an affidavit of FTC with all the evidence that my identity and social security was used in a fraud matter and adjacent my permission. I sent this all this agency a month and the agency 's response was that they ca n't do the investigation because they need more evidence but there is nothing left to do and they do n't want to cooperate with me and my problem. I have done everything I have to do and more, but they still do n't want to cooperate, this is affecting my life physically and emotionally because i ca n't open any accounts in any banks because of this, and this is of course this is affecting my life negatively because I am a single mother and I would really appreciate your help in this case. I thank you for anything you can do to help me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Finance System of Toledo, Inc.
State: OH

Complaint narrative:
received a notice of this debit. But I explained this debt was not accurate at all. I 'm being charged for something I never received. Not right at all. This was a XXXX doctor I went to get XXXX. My insurance was to pay for these. This doctor should of had pre approval from my insurance to obtain these. He did not. Made these and then states your insurance will do pay for these. Again not right at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Collections Inc
State: MS

Complaint narrative:
I was contacted by Collections Inc. on Thursday and was told that they were attempting to collect a debt. I told the representative that I need to take a number and call them back. I was told again that this was an attempt to collect a debt and who the original debt was with. The representative never disclosed where they were calling from and then proceeded to threaten that legal action will be taken by XXXX. the next day. I was also told that they were planning to garnish my wages. I 've never received any letter from this company or phone calls before XX/XX/2017. On XX/XX/XXXX I contacted the company to find out the name and the rep refused to give me their name without verifying my address. I 'm not sure why it was okay to discuss the account with me during the previous call without verifying my address, but they ca n't share the name of the agency without confirming my address. I requested information to verify the debt and was given some information over the phone and was told that I could be provided the account history from the original account holder. I find it disturbing that I was threatened with garnishment the first time the agency contacted me and was n't allowed the 30 days to confirm or dispute the debt. I was told that my file was referred to the legal department. The representative was very unprofessional and rude. She seemed to take pride in the ability to garnish wages. This company uses bullying tactics and preys on the ignorance of others concerning the law to administer unlawful collection practices. They need to be held accountable and so does the Hospital that chose them as a third party service provider.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation