vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
I was a co-signer on an auto loan purchased XX/XX/XXXX and financed through XXXX XXXX XXXX. Shortly afterwards XX/XX/XXXX Tropical Storm XXXX came through XXXX and flooded the vehicle. The owner was paying the car note but failed to maintain full coverage insurance on the vehicle because it was not being driven and he was going through a temporary hardship, however the car note never failed to be paid. Unfortunately the vehicle was flood during this catastrophic flooding that affected the entire XXXX area and with no insurance the vehicle was picked up by XXXX XXXX XXXX and sold. Years past and that vehicle sat on my credit report for 7 years. XX/XX/XXXX I had a hardship and I filed for Chapter XXXX Bankruptcy when I started my bankruptcy this was not listed on my original credit report pulled by my attorney, therefore it was not listed under my secured payments to be made, however I have just found out that after 10 years this collection company Cavalry Portfolio Services LLC purchased the debt from XXXX XXXX XXXX submitted a claim against my bankruptcy and has been receiving payments. From my understanding as a Co-Signer on the original loan they should not be attempting to collect in my bankruptcy Chapter XXXX. Also this non government collection is over 15 years old. I have called the collection agency and no one will speak to me or assist me in answering my questions. I get attitudes from management and they talk to me as if I ca n't do anything about this and then they hang the phone up in my face. I have heard chuckles in the background when I call as if I am a joke and who cares. I need help please. I wholeheartedly believe based on all the rules and laws I have read about my bankruptcy this company has broken the law. They have missed the statue of limitation for suit, why is it that they can claim against my bankruptcy after so many years and still remain on my credit report. Even the attachment I have included stated that they will not report to credit agencies however they are reporting to Credit Bureaus ... ... .Please, Please Help Me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 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:
They will not stop calling my job ; the office where I work and leaving threatening messages. I called them & told them I can not receive calls at work- he said he was not going to remove my work number from the record and they were going to come serve legal papers at my job. I advised that is against CA State Law ; he laughed & said " have your attorney call ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-28 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stevens Business Service, Inc.
State: IL

Complaint narrative:
A XXXX, XXXX, has been attempting to collect debt I do not owe for over 5 months now. 
My physician 's office, The XXXX XXXX XXXX, is responsible for this debt. 
I have provided a receipt showing that I paid The XXXX directly for the services rendered by XXXX on XXXX/XXXX/2016, which I explained in a fax to XXXX dated XXXX/XXXX/2016 and subsequent phone call on XXXX/XXXX/2016. 
On XXXX/XXXX/2016, the secretary at The XXXX XXXX XXXX also confirmed with XXXX that this bill was sent to me in error. 
I have explained the situation again in a letter dated XXXX/XXXX/2016 in which I asked XXXX to stop all communication with me about this debt. 
XXXX never acknowledged any of my communications. 
On XXXX/XXXX/2016, I received a communication from debt collector, Stevens Business Service. This now feels like harassment and poses a threat to my credit history.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: PA

Complaint narrative:
I have just discovered that I have a judgement against me with a company named Cavalry SPV I , LLC. I only found out when I went to use my debit card and my account was frozen. No notification from company or bank. Bank sent notice two weeks after account was frozen with a letter stating that a levy was put on my account from cavalry. I called Cavalry to see what it was for and they would not disclose information. Stated my bank needed to answer questions for judgement. I have never received paper work for this account, not even sure if it is my account. Never was asked to appear in court or received letter requesting court hearing or I would have appeared. They froze my account and also both my teenage children. I would like this investigated and judgement removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
yes at my pnc bank i got a over draft of XXXX??? they would not waive the overdraft fee because XXXX years ago i had another fee they waived???? im on XXXX and going thru a hardship???? they told me they could not helpme??? thought was very unfair thats all .also im a care giver too my mom whos XXXX XXXX too.im just going thru alot of XXXX and thought they have a heart??? guess they dont.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
In XX/XX/2010, we completed a short-sale on a home we had financed with PNC Mortgage. I am enclosing a copy of the HUD-1 from the mortgage settlement. Despite the fact that this occurred over 7 years ago, PNC Mortgage continues to report this mortgage and a balance owed. This is a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 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: Alliance One, Inc.
State: OH

Complaint narrative:
I have requested debt validation 2 times in the last 6 months by mail to : Alliance One Recivables XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX I have not received and notices or updates

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
While cashing a PNC BANK CHECK at PNC Bank for a medical insurance reembersement I was charged a check cashing fee. This is essentially a fee with no service provided to the bank customer who issued the check and a fee extorted from me to get the check cashed or black mailing me into getting an account for the privilege of not paying a fee to get my own money. It is a pure money making scam with no service provide to the bank customer who issued the check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CO

Complaint narrative:
I filed a complaint with you once Case number : XXXX and you did not investigate Stearns Mortgage and they have since retaliated against me and are costing me money. People look to your organization protect them and to help them and instead by filing a complaint they have retaliated. I hope that you will actually investigate them and work to make them fix my situation. After I filed the complaint they have not mailed me a statement. I had to contact them by email to actually get XXXX ( attached along with their reply ). They then sent my personal information via unsecured email. They also said they would mail me a copy and did not. You will note that my home address is correct on the statement. They transferred the servicing of my loan ( letter attached, which I only received via email after MULTIPLE attempts and being promised multiple times I would get a copy both via email and by mail. ) You will notice that the address they mailed this to is the property address, not my address. They have been correctly mailing my statements for years to the correct address but did n't send the transfer letter to my correct address. Not only that you 'll see that in their email reply to me when they finally sent me a copy of my statement they never mentioned that my loan had been transferred even though they had allegedly sent a letter over a week before and this was only days before they transferred my loan. I unknowingly then sent my check to them, weeks ago, and it has disappeared. The new servicer even admitted that they may have destroyed my check instead of legally transferring it as they should have. I have had to submit an address change with the post office to the property that is rented ( cost {$1.00} ). i am probably going to have atop payment on the check and then if it turns up get a fee for NSF, cost $ XXXX. I have my personal information along with loan amount and payment sent to tenants in a rental property. Cost will probably exceed {$5000.00} and I have to be worried about identity theft among other issues. And this because I filed a legitimate complaint and they can retaliate because the CFPB is not protecting me. I have multiple times been promised things from Stearns including all kinds of responses and they mostly fail to respond .This is completely ridiculous. I also believe this may have been racially motivated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Unisa, Inc
State: CA

Complaint narrative:
Every now and then when I make a payment to my student loan account with UNISA, the payment never reflects as being posted to the account. 
I have to contact them and let them know that a payment has been made and that my balance has not been affected. At first I was told that this was an issue with the new site. 
Although this has happened several times in the past. When I e-mail them to see what my balance is they tell me it is a balance that does not match up with what the site reads. 

Sometimes the payment that I have made will show up on the site, it just wo n't affect my balance until I reach out to them. 
Sometimes the payment does n't ever show up on the site until I have to e-mail them to follow up. Every time I reach out to them they swear up and down that everything looks good on their end. 
But the information that they have never matches the site. Something is definitely going on over there. Either someone is manually entering everything on this site or these people are trying to steal from XXXX students that do n't pay attention to their finances. 

Please Help

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Alliance One, Inc.
State: CO

Complaint narrative:
I have a XXXX collection accounts that still show up on my credit as unpaid/open when they should be paid/closed as of a few months earlier this year. The collections agency is called Alliance One, based in XXXX, WA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: LA

Complaint narrative:
I received a XXXX form Chase Bank charging off my debt owed to them, I opened an account with them in XXXX when in the military and up until XXXX never missed a payment. This was a joint account and in XXXX XXXX I got a divorce and was ordered to carry this amount with me. In XXXX I was advised to stop making payments and fell behind. In XXXX I received the XXXX charging off my debt. I filed the charge off on my XXXX federal tax return and thought I was done. 

Chase had been reporting on my credit report that the balance had been charged off and was showing at {$0.00}. When XXXX requested a background check on all employees in XXXX the account on my credit report reverted back to the original balance and my credit score dropped almost XXXX points. I just want Chase to show my balance at {$0.00} and not past due. I know it will remain on my report for a certain amount of time but reporting it as is will really continue to hurt my credit rating. It seems to me that Chase is double dipping, they charged off my account and I file on my taxes for the funds and now they are still saying I owe on my report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am writing to complain about the practices of PNC Bank relating to a mortgage loan and the ability to resolve a deficiency. Due to the financial crash of 2008, my home value has suffered a loss of approximately {$300000.00}. I have been trying to sell the house for five years with no offers that meet the amount owed. I requested a modification and after the modification was approved the monthly payments were actually higher than the original mortgage. I maintained the payments through the trial period after which time PNC stated we could sell the house through short sale if necessary. We found a buyer, however PNC wanted more than was owed and declined the offer. The loan went into deficiency again and we eventually found another buyer who made an offer and PNC was informed of the offer and began the process for short sale. While in the process of short sale PNC submitted the loan for modification status without our request, knowledge or approval ( it was the same as the current payment with no modification ) and removed it from short sale status, resulting in a delay of the short sale approval process and then turned around and put it into the foreclosure process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18 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 opened a Business account w/PNC on XXXX/XXXX/2016 with a {$10.00} cash deposit. On XXXX/XXXX/2016, I deposited {$60.00} cash, giving me a total of {$70.00} account balance. On XXXX/XXXX/2016, after reviewing my online banking site, I saw no deposit for XXXX/XXXX/2016. I called business banking customer service & was told my account was in the process of being closed by PNC. There has been NO communication from PNC whatsoever to tell me why. I have initiated all communication with the bank, the branch & customer service. On XXXX/XXXX/2016, I again call business customer service to see what status my account is in, again I 'm told it 's in the process of being closed. I was told I could go to the branch & get my {$70.00}. I go to the branch was told that because the account was on hold & that a check was in the process of being cut, they could not give me my {$70.00}. XXXX XXXX, whom opened this account, called yesterday @ XXXX to tell me she would get answers to what 's going on w/my account. It 's now XXXX on XXXX/XXXX/2016, I 've still heard NOTHING from PNC whatsoever. I 've again left messages ( at least XXXX & XXXX emails ) w/the branch & with XXXX XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
IN XXXX I APPLIED FOR AN ACCOUNT AT PNC BANK WHICH THEY GRANTED ME AND THEN A FEW DAYS LATER, I GOT A NOTICE THAT THEY WERE CLOSING THE ACCOUNT. THEN AGAIN IN XXXX XXXX MY WIFE TALKED ME INTO JOINING HER BANK ( PNC ) SO WE COULD BANK TOGETHER. SO NOW I HAVE A BACK ACCOUNT THROUGH AND CREDIT CARD THROUGH PNC WITH MY WIFE AS THE MAIN HOLDER. I THOUGHT THAT MAYBE IT WAS JUST A PROBLEM WITH THEIR INITIAL PAPER WORK AS FOR THE REASON THAT I WAS DENIED THE FIRST TIME, SO MY WIFE AND I WENT TO THE LOCAL BRANCH AND OPENED UP A XXXX ACCOUNT TO KEEP TRACK OF SPENDING AND CREATE A BUDGET. THE BRANCH MANAGER XXXX SAID WE WERE GOOD CANDIDATES AND OPENED UP XXXX. 3 DAYS WENT PAST AND THE XXXX ACCOUNT WAS CLOSED. THE BACK MANAGER SAID THERE IS A REPORT ABOUT ME SOMEWHERE IN PNC THAT SAYS I 'M A RISK AND SAID SOME ONE FROM CORPORATE WILL CALL ME IN A FEW DAYS. AFTER A WEEK WENT BY XXXX XXXX CALLED ME AND SAID I WOULD HAVE TO CLEAR UP THE ISSUE WITH XXXX AND GAVE ME THE XXXX NUMBER. I CONTACTED XXXX AND GOT MY REPORT. THE REPORT XXXX SENT ME IS SPOTLESS WITH NO ISSUES ON IT. SO I BROUGHT THIS INTO THE BACK WITH MY CREDIT REPORT FROM XXXX AND XXXX AND SHOWED THE MANAGER. HE SAID THAT SOMETHING IS N'T RIGHT BECAUSE MY HISTORY WITH THEM SAYS I DO N'T OWE THEM ANYTHING AND THEY ARE ALSO AN INSTITUTION IN GOOD STANDING ON MY CREDIT WHICH SHOWS NO NEGATIVE ITEMS. BUT PNC STILL DENIES ME ACCESS TO THERE XXXX. THEY CAN HOLD XXXX OF MY MONEY AND COLLECT INTEREST ON A CREDIT CARD, BUT WONT GIVE ME ACCESS TO A SOFTWARE PROGRAM SO I CAN KEEP A BUDGET. I WORKED HARD TO HAVE GOOD CREDIT AND SAVED TO BUY A HOUSE. XXXX AND MY CREDIT REPORT COLLABORATE THIS. I HAVE BEEN TALKING BACK AND FORTH WITH A CORPORATE OFFICER ( XXXX XXXX # XXXX ) FOR A FEW MONTHS NOW AND I GET THE RUNAROUND. THE PERSON TO GIVE YOU ACCESS WILL BE IN NEXT WEEK ILL CALL YOU THEN AND NO CALL. THAT TYPE OF THING. IT IS UNCLEAR WHY THEY DENIE ME ACCESS TO A PUBLIC SERVICE AND WONT GIVE ME ANYMORE ROUTES TO CLEAR UP THEIR MISTAKE. I HAVE XXXX AND HAVE BANKED WITH MULTIPLE BANKS, PNC IS THE ONLY INSTITUTION WITH A PROBLEM. MY WIFE IS A XXXX, HAS HER DIRECT DEPOSIT AND ONLINE BANKING THROUGH PNC AND WISHES TO REMAIN BANKING THROUGH PNC. I WOULD LIKE TO HAVE THIS BLEMISH ON THEIR PRIVATE REPORT CLEARED UP AND ACCESS TO XXXX SO I DO N'T HAVE TO GO BUY A SOFTWARE PROGRAM FOR {$150.00} DOLLARS. 

THANK YOU XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I filed a complaint against PNC Mortgage in XXXX or XXXX against the process thy use to process they use for providing a mortgage modification, During that time I provided them I provided tyhem with all the requirements for a HARP mortgage modification based on the fact that I had retired in XXXX of this year and my wife lost her job in XXXX also. They changed the dates required for responding to my complaints and moved forward with a foreclosue date. The date was cancelled and changed a couple of times because they were not being honest with my wife and I. I no longer trusted PNC and decided to perform a short. My real estate agent XXXX XXXX, XXXX received permission to enter the process as my spokesperson with PNC in order to carry out the short sale. To my knowledge he received permission from PNC to perform the short sale and begfin getting the property ready in XXXX, he immediately received a offer in the amount of {$450000.00} for the property which is more than fair considering the property is under water. Recently PNC informed XXXX XXXX that they were not going to accept the dshort sale because we had not provided XXXX documents, Profits and loss statements for my wife ( which they do have, and tax documents for XXXX and XXXX, they have XXXX, and we werer given permission by the IRS to filer our XXXX taxes late, They also stated thzat we failed to meet the 38 day requirement for sending them documents that they in fact already had. According to many real estate agents the 38 day requirement does not exist The fact that they gave my agent above permission to sale is the only requirement I needed to move forward. We have done everything requested of us during this two year process and PNC has not been honest with us, they change contact staff for me constantly and I am unable to make contact with that person and therefore I am constantly speaking with someone different each time I attempt to contact PNC. They constanly start the process over requesting the same package and documents that I have already faxed to them.You currently have a complaint on record filed against PNC with recommendations from Senators XXXX XXXX, and XXXX XXXX informing me that should file a complaint with your agency and now I mus t file again because they are foreclosing on my property on XXXX XXXX, and I feel that they have no right to carry out this un fair procedure, We need help immediately.XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I have a medical bills on my credit report who was already paid by my insurance. I received calls from collection agency with treated and rudeness. I never received any final bill from any office to paid just received calls and find out when I check my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
After falling behind on our mortgage in 2011, my ( then ) husband and I were forced to file for Chapter XXXX Bankruptcy. We completed our 5 years of payments and our bankruptcy was discharged roughly 30 days ago. We are battling with PNC mortgage on past due payments that should not be owed, PMI that should not be charged and escrow that is not calculated correctly, nor providing any statement on escrow.

Company response to consumer: Closed
Consumer complaint received 2015-07-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
I have a XXXX mortgage with PNC. The interest rate is very high. I have not received a statement for several years. they used to send a letter that acknowledged my payment, but that stopped too. My crime is paying early. According to XXXX of these letters, since I pay early I am not entitled to a statement. I have tried to sign up for online access, but it is not possible. Whenever I try to call the wait is longer than XXXX minutes. for 9 %, it would be nice to get some information about my loan. 

I have attempted to complain directly to the company, but I a form response that ignored my questions. Is this legal?

Company response to consumer: Closed with explanation