vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-17 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: Eastern Account Systems of Connecticut, Inc.
State: NJ

Complaint narrative:
3 years ago we moved and our final bill was paid to XXXX. A few months later I received a bill from a collection agency in the amount of {$280.00} on behalf of XXXX. I immediately contacted them and told them I paid this to XXXX. Back and forth between them and XXXX, XXXX states they did not receive my last payment. At that point I paid this to XXXX XXXX XXXX. It is still showing as a collection account and the terms are showing one month. My wife keeps calling this company asking them to remove this and they keep shutting her down and stating you knew you were calling a collection agency and you paid a collection agency! We paid it because we had no choice because XXXX asked us to. My wife was told this account was not being reported because it was less than a month. We paid this account immediately when we found this error. This is hindering my ability to obtain a mortgage all over {$280.00}! I need this removed and I can not get anywhere with this company. They are ignorant and treat my wife like she is a low life who does not pay the bills. I do not have any other negative information on my credit report but this. It has been 3 years and they are still reporting negative information all for {$280.00} that was paid immediately.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I.Q. Data International , Inc ; Collection company refuse to cooperate with my request for Debt Validation over and over again, ( illegal collection practices ) this is the info I sent them : Dear Sir/Madam, I checked a copy of my credit report and realized that there was a collection reported from your agency, which I was not notified about. I do not reject to provide with the debt amount. However, this is a notice sent pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ), that your claim is disputed and a validation is demanded. This is asking for proof regarding the debt that I owe and verifying it. 
I am requesting you to stop all collection activities including reporting this information on my credit report. I am sure that you are aware of the fact that non-compliance with this request may end up in legal obligations. 
Texas Finance Code Section 392.202 requires a debt collection agency or / and credit bureau to provide the alleged debtor with specific information concerning their debt including : Please dispatch copies of the following with your reply:1. The agreement which authorizes you to collect debt on the assumed debt. 
2. The signed agreement from the debtor confirming to pay the debt. 
3. The documents regarding the payments made on this account and validation of the amount. 
The name of the original creditor The original date of default or non-payment of the debt The date the debt was transferred from the original creditor to the third party debt collector The original balance The current balance Surety Bond information I request that the debt collector and or credit bureau reply in writing to ensure that there is a record of all correspondence between myself and the collection agency. 
And they have fell to response to 3 letters, causing further harm to my credit profile.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 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: CA

Complaint narrative:
I have received XXXX calls at work from this lender after I asked them to stop calling me at work. The person responsible is XXXX XXXX at XXXX extension XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: I.Q. DATA INTERNATIONAL, INC.
State: GA

Complaint narrative:
I have a debt in collections with IQ data international from XXXX from years ago and want to resolve this debt. I asked for a letter stating how much I owed and where to send money. They said they do not send letters because my account is in collections.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC
State: KY

Complaint narrative:
I learned in 2013 a company named Calvary had filed a XXXX negative reports to the credit bureaus for a claim on XXXX and XXXX XXXX credit cards. I wrote and asked them about the reports, asked them to provide proof of a debt to which I was unaware, and to cease and desist. They mailed me statements that reflected fees and interest and otherwise gave no information. Apparently, then it was given to XXXX and XXXX and I wrote XXXX and XXXX and again inquired. Since my efforts, a suit was filed and a judgment granted, all without my knowledge even though they had my contact information and we were corresponding and talking by telephone, no one told me. I found out when my checking account began being garnished! This has caused me a great deal of stress and additional financial problems because of the garnishment. I may now have to file a bankruptcy! I need help getting the judgments repealed, the reports removed from my credit bureaus and my garnished money returned to me. This should never be allowed to happen to any American consumer. I believe these companies have acted illegally and in bad faith pursuant to Kentucky statutes of the Fair Consumer Act and the Federal Trade Commissions policies and ordinances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I am getting calls threatening to sue and take my property for a supposed payday loan that was not paid back years ago. They were very adamant on getting my credit card information right then to get my payment. I told them I would not give it to them without knowing who I am dealing with. They provided wire transfer details but never a physical address to mail payment, which made me feel uneasy because I was pressed to make arrangements to pay within XXXX days at that time. After researching the information provided I noticed that I had a couple other payday loans made after the date in question. I would not have been given another loan if I defaulted on a prior. These people have called my personal phone from different numbers from XXXX different states, and now a supposed attorneys office is calling my work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 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: CA

Complaint narrative:
Since XXXX 2015 I have sent letters to IQ Data International to have an unknown account removed. I was never contacted by them initially, so I can not tell you what the debt is for. I discovered the account on my credit and requested that they send me proof they have the correct person and or advise me of whom the original creditor is and or what it is for ... ... .. 
However, they did finally respond to me a few days ago 6 months later alleging that the account is for past due rent. I have no idea how they got my information or when I was supposed to stay in the so called place. I was never once notified or contacted by the original creditor/apartment complex. IQ Data just placed the debt on my credit and left it up to me to discover it.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.Q. DATA INTERNATIONAL, INC.
State: CT

Complaint narrative:
I attempted to resolved this debt with this company and they wanted the whole amount which I could not afford at the time. The lady that spoke to me was very rude and told me that if I did n't settled this right away with her that she would not accept any other offer. I since called back on XX/XX/XXXX and I was told by XXXX at XXXX XXXX that I had to pay {$900.00} today in order for them to accept my payments for six months. When I left my apartment in XX/XX/XXXX I was being harassed by neighbors and also given a written notice to vacate the premises because my rent was 2 weeks late. i left the apartment before being served and now they are coming after me with the collection agency that is charging me interest every month. I need to be able to pay them and also maintain my current bills. The Collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX i owed he apartment complex were I previously lived {$3800.00} now my bill is {$4500.00}. and climbing. Please five me some advise. Thank 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 2017-01-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC
State: MN

Complaint narrative:
I have never signed a contract with this company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ONLINE Information Services, Inc.
State: NC

Complaint narrative:
I called the compant and spoke to XXXX XXXX XXXX and he once again told me the company has a non- removal policy no matter if i made the complaint to the cfbc they will not remove it for me, even though it is paid in full. They have to release of record! I have never had a collector not release? This is prohibiting my ability to purchase a home for my family.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I was contacted by IQ data saying I owed an apartment complex over {$5000.00}. When I asked for more information and that I wanted to dispute it, I was told that IQ Data did not have to send me any documentation and that I was being sarcastic and cynical. They also said I had no basis or evidence to dispute the debt. They made false claims stating I had been evicted and owed. I again asked for a break down of the debt in writing, I was told they sent it out but I have yet to receive anything. When I called a third time to ask for documentation, I was told that if I kept calling I would be sued for harassment. The XXXX women I spoke with were XXXX and XXXX. Extremely unprofessional and rude.

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 2015-10-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Upon leaving XXXX, I was behind on a mortgage on an investment property that resulted in the bank seeking filing for foreclosure. I applied for a loan modification, but was denied but I was offered a one-year repayment plan. I completed the payment plan early and in XXXX the court charges were dismissed. I 've been making my regular payments since then, but my loan is still listed as in foreclosure on my credit report, but owing {$0.00}. The loss mitigation department has been unresponsive. They send me letters that they claim to have tried to contact me which is untrue, and my alleged single-point-of-contact does not answer their phone nor do they return messages. They are preventing me from making principal payments on my loan because they claim there may be unresolved charges but they wo n't tell me how much they are. They also overcharged me by maintain the 6 % SCRA rate even though my loan terms made me eligible for a lower variable rate of 3.25 % in 2013. I 've done my best to recover from a difficult period, and I believe that PNC Bank is taking advantage of those who served because we 're easy targets.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
I took out a mortgage XXXX XXXX XXXX from PNC Mortgage. I received a copy of the Promissory Note, alone with the the State of Wisconsin NOTARY PUBLIC. The document that i have received is a forge document. It is not my or my wife signature. The names are spell wrong. The document state that i appeared before XXXX XXXX XXXX on XXXX XXXX XXXX and her commission expires XXXX XXXX XXXX this is not a real NOTARY FORM. I took this loan out on XXXX XXXX XXXX. How can i appear on XXXX XXXX XXXX. PNC NO RESPONSE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 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: RAB, INC.
State: PA

Complaint narrative:
A man by the name of XXXX XXXX would n't tell us who he worked for but I later looked up the telephone number he called from. I discovered he works for Regional Adjustment Bureau , Inc. He is trying to collect a debt from a family member of mine that owns a business. He repeatedly used multiple telephone numbers which he spoofed even local numbers to make it look like it was a local call. We called those numbers back and they were random people that had no idea what was going on. He threatened to call us every day until we contacted the person who owed the debt. He even went as far as contacting my wife, her sister, and her family who has absolutely nothing to do with the company who owes the debt. He even went as far as calling them repeatedly and hung up on them with a very very nasty tone. He told my sister-in-law that she " sounded dumb '' and asked if she ever went to school. Secondly, he called my father a " dead beat '' and told my wife to " shut her mouth ''. He has called not only the people above, but also my brother, and my sister. We are all tired of this " debt-collector '' harassing all of us which we have absolutely nothing to do with the debt owed. He has violated the Fair Debt Collection Act completely. The telephone numbers that he spoofed to call us are : XXXX, XXXX, XXXX, XXXX.

Company response to consumer: Closed
Consumer complaint received 2015-05-19 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: ERC
State: TX

Complaint narrative:
On XXXX XXXX, XX/XX/2015 I filed a complaint with CFBP ( Claim No. XXXX ) against Enhanced Recovery XXXX and another XXXX on XXXX XXXX, XX/XX/2015 ( Claim No. XXXX ) Which claim to collect a debt for XXXX XXXX CompanyAfter contacting XXXX parties and requesting for additional related documentation materials associated with this account from XXXX XXXX that would help to substantiate such claim XXXX parties have failed to provide me with the documentation til this date. I have request the following Documents such as ; Billing Statements, Payment History, Contract agreements and have never received them. In order to resolve this issue Enhanced Recovery XXXX made the following statement in their last response to CFPB : In an effort to resolve XXXX XXXX ' concerns, our agency has submitted a deletion request with all credit reporting agencies associated with the account and our office on XXXX XXXX, XX/XX/2015. Please allow up to 30 days for the credit reporting agencies to process our request. Our agency will have no further contact with XXXX XXXX regarding this account. In order to make our client aware of XXXX XXXX ' concerns, our agency will forward this complaint to our client XXXX XXXX. 

Since that time Enhanced Recovery XXXX have Submitted the deletion request to the following Credit Bureau 's ; XXXX and XXXX but have failed to submit the request to XXXX and the negative Collection account still remains on my credit file with this Bureau. 

Enhanced Recovery XXXX needs to follow through with their promises and also request the deletion with Experain as well.This account does not belongs to me. I have not, and never have had an account with XXXX XXXX Company

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I had an emergency that i ad to use a ambulance in the road. The ambulance took me to the nearest hospital. I filled all the information so that the bill can be submitted to charity. Most of the bill was submitted to charity, except for XXXX bills. Those bills were sended to a collection agency. The collection agency send me a notification for the medical bills. I called the hospital and gave all the information they needed, and they told the that the remaining bills were going to be submitted to charity. I thought that the hospital took care of the situation, and the debt was discharged by the hospital. After that the collection agency reported the balances to my credit report. I pay the full total of the balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: NH

Complaint narrative:
I applied for the harp loan program with PNC bank made all my payments on time then all of a sudden was out program for no reason

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On or about XXXX XXXX, 2015 I had a teller assist me in closing my checking account. On XXXX XXXX, 2015 I determined PNC had accepted an automatic deposit on my behalf. I returned to the bank and spoke with XXXX XXXX. He zeroed the account and " closed '' it. On XXXX XXXX, 2015, I determined that PNC had once again accepted a deposit on my behalf and had also returned an automatic debit on my account as Non Suffic ient funds as opposed to " closed account ''. On XXXX XXXX, 2015, I went to the bank and again spoke with XXXX XXXX, explaining I needed PNC to reject the automatic deposit so the deposit would default to a different account. XXXX XXXX entered into the system a No Debit or XXXX to the account. He also agreed to refund XXXX of the XXXX service fees. XXXX XXXX stated he would need his manager, XXXX XXXX, to authorize the refund and did not foresee any problems. I left PNC believing the issue was resolved. Later that day, XXXX XXXX telephoned me and stated XXXX XXXX would not authorize the refund of the service fee. After speaking with XXXX XXXX, I contacted the office of the Comptroller of the Currency, U.S. Department of the Treasury. The representative referred me to the Consumer Financial Protection Bureau. I spoke with a representative of CFPB and determined I should file a complaint. On XXXX XXXX, 2015 I informed XXXX XXXX of my intent to file a complaint if the issue was not resolved. XXXX XXXX said he would once again talk with XXXX XXXX on my behalf. He telephoned later and stated XXXX XXXX would not authorize the transaction. It is my understanding a closed account means no transactions to the account. If I am incorrect in my understanding, I would like someone to explain to me the definition of a closed account. If I am correct in my understanding, I would like to know why items were posted as NSF as opposed to Closed Account and have the service fees refunded.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My email is XXXXXXXXXXXX and I never got to properly explain my financial complaint against PNC bank since I 'm using my cell phone to write the complaint. ( XXXX is the company for my laptop. I have a 12 month warranty on the laptop that XXXX wo n't honor so I have no service on the laptop and must use my phone. ) So, there was an overdraft. Every month, if you view the records in XXXX XXXX for XXXX XXXX rep payee account, you will see an overdraft. PNC makes crazy explanations that are inaccurate every month and this month I saw beyond all doubt that I was being cheated, this is why I had to become my own payee. I closely monitor the account and pay all bills. My mom does nothing and knows nothing when asked what happened and this PNC bank was getting over on her and disrespectfully talking to me and it drove me so crazy I threw a tantrum to get this account closed. Every month I can hardly stand their stealing. This month I just felt so caught up in all their long explanations that make no sense that I did n't know what to do but get that account closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have been submitting documents to the bank and they keep adding to the required list but not allowing more time to complete the documents list and pass audit. They gave me time to submit documents, but every time I call the need additional documents. There is a foreclosure sale date of XXXX and they keep adding to the list of documents, letters of explanation while my short sale seller documents and hardship have been validated previously. I feel they are fast tracking me to foreclosure. When I call they tell me that even though I am being review for foreclosure alternatives, they will continue with the foreclosure sale date. I consider this dual tracking and extremely unfair business practices and in violation of CFBP rules. Is there some way to ecourage them to continue with the short sale offer review. They have been sitting on the offer since, XXXX, almost a month. Please help.

Company response to consumer: Closed with explanation