vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
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: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
This is a complaint from XXXX XXXX against IQ Data International for IQ Data 's failure to provide requested information for the debt alleged. On XXXX XXXX, 2016, consumer, XXXX XXXX, received a demand letter from creditor, IQ Data International. On XXXX XXXX, 2016, consumer ( through legal counsel ) responded with a written request for documentation, including the following : a. Signed copy of the original contact ( s ) ; b. Any notice ( s ) of assignment or receipt of sale of the debt alleged ; c. Any notice ( s ) of delinquency ; d. Ledgers/spreadsheets/accounting statements showing how the debt alleged was accrued ( including any fees and interest charges added to this debt ) ; e. A copy of your debt collection rights license ; f. Proof that you are licensed to collect this debt in Arizona ; and g. Any other documentation which tends to show validity. 
On XXXX XXXX, 2016, IQ Data responded with the same information as the original letter, and no addition information proving ownership of the debt. On XXXX XXXX, 2016, consumer responded again asking for same. 
It has been over one month since this request, and we have received no response. Creditor 's failure to respond to a consumer 's good faith request for documentation makes it impossible for the consumer to make an informed decision regarding the debt alleged. This is a violation of USC 1692, and other federal acts which require lenders and debt collectors to act in good faith and refrain from unfair deceptive or abusive acts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Credit card — 
Issue: Other — 
Company: CAVALRY INVESTMENTS, LLC
State: WA

Complaint narrative:
Debt buyer Cavalry Portfolio SPV I, LLC sued me to collect on a credit card debt they allege I owe to " XXXX - XXXX. '' They claim they are the owners of the alleged debt based on several assignments, but there is no assignment from " XXXX - XXXX '' or XXXX XXXX. The judge entered a judgment against me based on a declaration from a Cavalry employee. I now have an attorney helping me with an appeal. I am concerned that Cavalry can sue me for this debt because on XXXX/XXXX/15 the CFPB entered a consent order against XXXX saying that accounts from the time period they say I defaulted were inaccurate and fraudulent, and especially accounts, they obtained from other banks. It is unfair that XXXX ca n't collect on this account because they committed fraud and did n't keep accurate records, but now this company I have never heard of can. My attorney sent Cavalry 's collection law firm, XXXX XXXX XXXX XXXX XXXX, a copy of the order against XXXX and covering this account but they refused to stop collection. I have also been shown a copy of the affidavits of XXXX XXXX talking about how XXXX accounts held by XXXX during the same period as this XXXX were fraudulently handled. 

In particular the order at paragraphs XXXX through XXXX states that XXXX sold accounts like the one I was sued for, even though they knew the information was inaccurate and undocumented and that they " knew or should have known were unenforceable. " I do n't think its fair for Cavalry to sue me and get a judgment with no information about this debt other than a number they allege I owed to " XXXX - XXXX '', when the CFPB has already determined that XXXX is n't even allowed to collect them. I think Cavalry should be prohibited from collecting on any of these accounts that they knew were inaccurate and got to pay only " 5 % '' of the alleged balance and try to collect the full amount. The XXXX XXXX, 2015 CFPB order on these XXXX accounts found at XXXX that, " [ XXXX XXXX ] acts and practices of selling certain credit card Accounts to Debt Buyers that Respondents knew or should have known were unenforceable or selling such Accounts with inaccurate information or information inadequate to support the claims that Consumers owed the Debts and owed them in the amounts stated, caused or were likely to cause substantial injury to Consumers. And at XXXX, " [ XXXX ] knew or should have known that Debt Buyers would seek to collect on certain Accounts sold by [ XXXX ] that were unenforceable, had inaccurate information, or included inadequate information to support the claims that Consumers owed the Debts and owed them in the amount stated. " This is exactly what is happening to me and Cavalry should not be allowed to pursue this action against me or others like me, when XXXX is not even allowed to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: ONLINE Information Services, Inc.
State: NJ

Complaint narrative:
Online Collections XXXX, XXXX, XXXX XXXX, telephone number ( XXXX ) XXXX are attempting to collect debt of {$16.00} from their client XXXX XXXX XXXX when I am paying my bills to XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, telephone number XXXX. 
Also all my XXXX XXXX XXXX XXXX are under XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX, XXXX, CN XXXX, XXXX, XXXX XXXX, telephone number XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I submitted an application to be reviewed for loss mitigation options. During the process they kept asking for a legible XXXX form which was provided several times. The loan was denied for this reason. I went to the IRS and requested the tax transcripts for the years being requested and submitted my file again with the transcripts and XXXX forms once again. The servicer is now telling me that I do not qualify for any program and they have reached the limit of times my file can be reviewed which is 2 times. I 've requested proof of this guideline that I believe does not exist. I do not want to lose my home and need help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC BANK HAS NOT RESPONDED TO ANY OF MY DISPUTES. I HAVE WRITTEN THEM SINCE XXXX. I AM REQUESTING THEY REMOVE THE FRAUDULENT INQUIRIES ASAP BY LAW

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX XXXX, 2015 I contacted PNC bank because I saw a charge from XXXX in the amount of XXXX. I contacted my bank to let them know that this transaction was not authorized by me. PNC bank removed that transaction. I asked the representative how XXXX was allowed to post a transaction on an expired debit card. I had used this debit card a couple years back to purchase the online version of the software. It looks like the automatically sign you up for automatic renewal.My debit card ending in XXXX expired on XXXX. 

In XXXX of 2015 I received a new debit card ending in XXXX with a different expiration date. I has awoke from sleep the morning to find that PNC post the transaction of XXXX and I incurred XXXX XXXX fees associated with that transaction. I with into the XXXX site and login to find they had my new expiration date ( attached document ). Until today I had not logged into XXXX 's site since filing my taxes in XXXX of 2015. I am very curious to know how XXXX acquired my new expiration date because they surely did not receive it from me. 

I was advised by XXXX that if your credit card is expired, your bank can authorize a charge and also update the new expiration date. I was told that they can do this without notifying the customer. I believe that customer should be notify and have the opportunity to say no to this service just lilt opting in or out of overdraft protection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
A few months ago, I had an overdraw on my checking account at PNC bank. I filed a complaint to the bank saying that I rarely overdraw and if there was any possible way I could be reimbursed for the overdraft. While I was waiting for an answer back, they added another charge on the account for the overdraft even though my complaint was not answered. Finally, an employee got back to me about my overdraft case via telephone, but the line got disconnected, and the man never called me back. From what I have gathered by contacting PNC multiple times to resolve this problem is, this man decided that the charges on my account were valid and would not give me a refund. He did not explain this to me or have the decency to call me back, and every time I tried to get this problem resolved they said there was nothing they could do because the man I spoke to already made the decision to not reinstate the funds. I was charged with over 100 dollars in banking fees because of this issue. I have called the company to complain about the issue, which the representative told me she would file a complaint about the disconnected call and how the man never called me back, but I never heard from them again. 
Furthermore, when I started the account the PNC employee that set up my account gave me the most expensive checking account, claiming it was free because I have a mortgage with them as well. When I sold the house and no longer had a mortgage through this bank, they then began charging me banking fees. I went into the branch twice to switch my account to a student checking account or a basic one, and each time they told they would, yet they never did and I was still charged the same monthly banking fee. 
I have since canceled my account because of the extremely poor customer service. I also tried to retrieve the banking statements from the month of the overdrafts, but my account login does not work now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: IL

Complaint narrative:
My mortgage is currently being serviced by stearns lending. They presently charge you to make a payment online, and even when you are within the 15 day grace period, they are forcing a " one time draft fee '' of up to {$15.00}. This defeats the whole purpose of a " grace period ''. When one of their representatives called me on the XXXX of the month to harass me into making a payment over the phone, i informed him the fees they were charging were not waranted and that I would be filing a complaint.

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 2016-11-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I had a property in XXXX, Oregon with a mortgage with XXXX. An XXXX Deed was filed on XX/XX/XXXX. Per the recorded XXXX Deed ( deed in lieu of foreclosure ), the bank owned the property as of that day. XXXX sold the mortgage to PNC Bank. PNC Bank ignored the recorded XXXX Deed, and proceeded with foreclosure of a property that is already owned by the bank. I attempted to contact PNC all XXXX credit bureaus multiple times, and was unsuccessful in getting any of them to respond and properly report the mortgage status on my credit reports. It took PNC XXXX YEARS to finally finished the foreclosure of a property they already owned in XX/XX/XXXX. At that time, the credit bureaus updated my credit report XXXX 5 years after the recorded XXXX Deed XXXX that the mortgage was foreclosed. The incorrect handling by PNC and the XXXX credit bureaus have caused significant impact to my credit standing and ability to obtain loans.

Company response to consumer: Closed
Consumer complaint received 2016-12-15 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Profit Services Group
State: GA

Complaint narrative:
Profit Services Group ( XXXX, Ga. XXXX ) received mandate from XXXX to collect a debt generated by my visit to the ER at XXXX in XXXX. 

The insurance received the claim on XXXX and made a payment but the Profit Services Group is still trying to collect the alleged debt. 

The person who called has threatened : 1 ) Call my employer 2 ) Affect my credit if I do not pay immediately 3 ) Pretend to have mandate to collect the debt even if it was on recall

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
On XXXX/XXXX/16 i was charged an overdraft fee of {$36.00}, not once was i notified of being over drawn so i had no chance to correct my banking mishap before being charged justly. Called into their XXXX BB & T support line XXXX after speaking with the rep was told i was given a reversal short of right after BB & T took over Susquehanna bank and they can not reverse the fee as its policy they only credit it back once per customer. The fault is mine for the money not being there the fee is their fault for not properly notifying me as the consumer to get the issue resolved ... it could have been days before noticing my account was overdrawn which for them would be a sweet {$36.00} a day still not notifying the customer of such issue. Spoke to the supervisor who refused to reverse it as a supervisor still has no rights to credit it back manager etc so policy 's jacked. Supervisor advised i am correctly signed up for all email and text alerts and that tech team will call the following day to troubleshoot the issue with alerts, the following day got no call from the techs had to manually call back in. Speaking with the tech, who refused to open or look at the ticket # i provided right off the cuff, not till i got irate did he then look at it and say it honestly means nothing -- he then told me that they lied and i was not set up for text alerts. XXXX department to another they can not get their answers straight as they are at fault and still refuse to credit back the fee in their negligence to notify me properly. Then also i found out tonight they charge customers a fee of {$2.00} per call after your first XXXX calls in the billing cycle not once was i advised of such fee and then again unjustified have been charged without a word edge wise to prevent such fees. This needs to be corrected and they need to get straightened out as they are making a killing robbing from their consumers. Thank you for taking the time to review this request and any actions taken to resolve this matter. Have a great day folks!

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 2016-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
While reviewing my XXXX AND XXXX credit report, I noticed an unauthorized and fraudulent inquiries initiated by BMW FIN SVC on XXXX/XXXX/2015. I did not authorize any employee of BMW FIN SVC to review my records for any purpose at any time. Further, I personally contacted BMW and requested that this adverse information be deleted from my report and/or provide me with any verifiable documents signed by me authorizing them to review my reports within 5 business days. T o this extent, BMW FIN SVC disregarded my request in clear violation of my civil rights under FCRA and PRIVACY RIGHTS Act. As a direct result, I have continued to suffer irreparable economic loss including but not limited to my inability to secure meaningful employment, housing and/or obtain new credit, due in large part to the gross negligence of the BMW FIN SVC employees acts and omission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have a balance of XXXX plus dollars on my account and there should be a XXXX dollar balance currently as all transactions were fraud on the account since XXXX. I filed multiple claims multiple times but they never got back to me or re-credited my account. I do n't even see credits from large fraud charges to merchant. PNC has not even proved to me that I made the charges. IF I know I did not make the charges, then how does them simply doing an investigation that does n't even entail any real proof make them correct and me wrong? There are many more charges of all kinds that I have not received credit for even though I claimed them as fraud and the investigations are now all complete. I should get all my credits valuing to the amount of my current total balance. I can not even see the statements at this point thus I do n't even know what charges PNC is holding my liable for as of now that equals my total current balance. This has already disrupted my credit report, so I also seek additional compensation for damages caused by them not changing my revolving my balance on time and having this account in bad standing for 6 months or more, for no reason, and I should not have to be responsible for such damage. If I knew PNC would have such poor response rate and fix to fraud charges, I would not have signed up for this credit card. I am even a preferred card member where I pay an extra XXXX dollars a year. They should treat me better than this. This is my third complaint against PNC now using this CFPB service. They still have not done anything. I have not seen any proof that any of those charges were mine ever since they occurred back in 2015. All the charges on the account, I have not even seen statements, hence I do not recognize any of the charges on this account at all. It has been a year and a half almost two years, and I have not seen credits. The policy of the card is such that if the customer does not recognize charges, PNC provides credits, and PNC still has not done so ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-08 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I informed ( via phone ) Stearns Lending Co. that they had incorrectly recorded my mortgage insurance premiums on my XXXX on XXXX/XXXX/2016. I was told to send an email to XXXXXXXXXXXX. I did so on XXXX/XXXX/2016 and received an acknowledgment that my email was received and that my issue was being managed. As of XXXX/XXXX/2016, the form still was not corrected, so I emailed again. As of XXXX/XXXX/2016, the form was still not corrected, so I called and the agent told me a supervisor would call me in 48 hours. I emailed again that day, as well. I never heard from a supervisor at Stearns. As of XXXX/XXXX/2016, I sent multiple emails and called. I was transferred to a supervisor 's voicemail who never returned my phone call. As of today XXXX/XXXX/2016, the form is still not corrected. I have emailed yesterday and today. I do n't know what to do at this point since no one from Stearns will correct the form, even though the representatives that I have spoken to on the phone have acknowledged that the form is wrong per their records ( but it 's another department that corrects XXXX forms ).

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 2016-03-04 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: PNC Bank N.A.
State: WA

Complaint narrative:
A party calling themselves XXXX contacted a 3rd party regarding student loan debt at their Home ( showed up at the doorstep of a family member of the person who received the student loan ) asking for XXXX on XXXX/XXXX/16. The sister is not XXXX 's wife or attorney making this contact illegal. The same sister was called several times on XXXX/XXXX/16 and would not divulge their purpose. Again illegal. Further investigation found this company to actually be PNC financial services. This came after XXXX 's wife asked PNC to cease contact with her as XXXX was away on a XXXX. PNC has been consistently harassing XXXX even when he is away at XXXX sometimes for as long as 6months. This is harassment on every legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC.
State: MD

Complaint narrative:
I had several investigation going on in the past with Equifax Credit Bureau. Recently in my communication with Equifax they discovered I had multiple credit report with them. When I spoke to the representative I ask her when they combine my reports will the deleted credit come back on my credit report and the representative stated no that will not happen. I received a notification from XXXX XXXX today and my reports were merge and the items that were deleted appeared on my new report. I call Equifax once again and I did not receive any resolution. Also I am a authorized user on some accounts and those credit card accounts are not showing up on the new report. This has been a frustrating situation dealing with Equifax. Why should the consumer have to deal with this unprofessional company. I worked as a XXXX for many years and have not had these unusual situations. With Equifax you have one representative telling you one thing and another telling you something totally different. I had XXXX collection account with AR resource that were deleted off of my credit report about 4 months ago and NOW the accounts are reporting back on their. Also XXXX XXXX XXXX XXXX account were deleted and back on the report one again. I spend a lot of time in the past faxing things over to Equifax showing them that some of the credit item were NOT mind and turn around and have to start all over once again. The government is paying a whole lot of money for Equifax representative to mess up my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was open a checking accunt in PNC Bank since XX/XX/XXXX and evry thing it is good and I pay my bills and work normally, but XX/XX/XXXX I was surprised that the bank want to closed my account, I asked them about the reason of that no one answer me,!!! after that I open new one in XXXX Bank and evry thing good too, but XX/XX/XXXX I received a letter from this bank that them need to close my new accont too!!!! and I asked them the reason and the same thing no one answer me!!!! Please help me what is wrong?? what I did? and I doing now?!!

Company response to consumer: Closed with explanation