vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I recently disputed a medical charge with XXXX to have it removed from my credit report as it came back verified. I requested documentation to prove this debt belongs to me but I have not received any proof.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 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: OR

Complaint narrative:
The caller from iq data international said " I 'm putting your account in delinquents because I was unwilling to pay it '' then she said goodbye and hung up! while on the phone I was told by the agent and manager that there is a minimum to set up an account for a payment arrangement, but was NEVER told the minimum amount, I would say I can pay {$20.00} and they would follow it up with " it 's not good enough '' ... I would follow up with then how much is? and they would not give me a percentage or amount. Idk what they were trying to do but they never gave me a straight answer to any of my questions, they refused to take my payment over the phone and told me to send it in the mail this was after they said they accept XXXX they did n't accept {$20.00} I would ask how much is accepted they would say " not {$20.00} '' I was never told a percentage or amount. It was like bickering without coming to a conclusion. Now I do n't want to send in the check because she told me she 's putting it as delinquent, I do n't know what I 'm supposed to do I 'm confused.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: CNG FINANCIAL CORPORATION
State: NE

Complaint narrative:
I have an outstanding debt with XXXX. I have been making payment arrangements and making payments every pay day, missing one payment at XXXX. It is no longer being attempted for collections in the store but rather from somewhere else. This company calls me 3 times a day, every day, even after I have talked to them and they have verified that I have a promise to pay for the last payment, due on XXXX XXXX. I have told them that they are harassing me and they need to stop calling repeatedly, and they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-03 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAVALRY INVESTMENTS, LLC
State: GA

Complaint narrative:
XXXX XXXX XXXX ( Cavalry SPV I , LLC ). After things at my work changed, I took full retirement when I could. My wife and I and daughter then moved to live in my wife 's GA home. The Warranty in Debt mailed to us was mailed only ( not signed for ) at our old still empty VA house address. It was mailed XXXX/XXXX/2016. After the mail was forwarded, we finally got the notice in early XXXX 2016. That 's about two months later. The original court date was for XX/XX/XXXX2016. After getting on-line, I fortunately saw the case was continued for XXXX/XXXX/2016. We called to settle the debt through their local XXXX XXXX XXXX. We paid and settled the debt on XXXX/XXXX/2016 through XXXX XXXX XXXX for Cavalry SPV I , LLC. They had bought the debt from XXXX XXXX. Although we paid {$1800.00} and settled the debt, the account information through the credit reporting agencies should say something like " Account paid for less than full balance. Paid collection '' or " Paid and Settled for less than full balance ''. The account should also be closed with no balance now. Instead, the account remains open and with {$470.00} balance remaining and is still be reported to the credit agencies that way.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: CNP Solutions
State: GA

Complaint narrative:
Filed a complaint yesterday against XXXX XXXX. XXXX XXXX XXXX ( XXXX ) called us and again threatened legal action. And refused to validate the debt. XXXX sent a letter to XXXX yesterday requesting all communications be in writing and that the debt be validated. Today the debt is {$340.00}, not {$790.00}.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
PNC Bank failed to make the annual payment for homeowner 's insurance, despite proper funds in my escrow account and all payments being current. The insurer cancelled the policy due to the bank 's non-payment. I was never informed of this until 90 days had passed and PNC placed forced coverage insurance on my mortgage. I have acquired new homeowner 's insurance. Because I am deemed high-risk due to PNC 's non-payment, my insurance premium rose significantly.

Company response to consumer: Closed
Consumer complaint received 2015-09-10 00:00:00
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
This references a call I received today form FMA Alliance at XXXX. There was an approximate {$500.00} balance on a card for XXXX XXXX XXXX that they requested I pay. I explained to the representative, XXXX XXXX XXXX, that I became ill in 2012 XXXX and I contacted XXXX XXXX XXXX in writing regarding an added service to my card that would pay on when I was unable to work. XXXX XXXX XXXX claimed that I had no such service added to my account, but they lead me to believe that I did have such a service. I believe that I was mislead by XXXX XXXX XXXX as it relates to my credit card and the account should be set as paid, and closed as a result of such misleading. FMA XXXX need to remove an collection statuses from my credit immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: AZ

Complaint narrative:
Company reaged debt and made my credit score plummet without my authorization. In addition, i have tried multiple times to see what debt this is and every time i call them they can not locate my debt. Soemthing is severely wrong here! 

ALLIANCEONEXXXX XXXX XXXXXX/XX/XXXXOpen $ XXXXAccount DetailsLast Reported XX/XX/XXXXCollection Agency ALLIANCEONEOriginal Creditor XXXX XXXX XXXXStatus OpenOpened Date XX/XX/XXXXClosed Date -- Responsibility IndividualBalance $ XXXXHigh Balance $ XXXXRemarks Account information disputed by consumer, meets FCRA requirementsCreditor Contact DetailsALLIANCEONE REC MGMT XXXX XXXX ( XXXX ) XXXXSee something wrong? 
Learn more about how to dispute items on your credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-03-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
The following summarizes my issue with PNC Banks policy, and their refusal to properly rectify the consequence of their mistake. 

On XXXX XXXX, 2014 I placed a currency exchange order for XXXX XXXX 's at the PNC bank located at XXXX XXXX XXXX in XXXX XXXX, Mi. This transaction is XXXX # XXXX. Subsequently, I picked up the money and engaged in a conversation with a bank associate about returning unused monies. At that time I was told that I could return paper money, but that they would not accept coin. 

On XXXX XXXX I went to the bank to return XXXX paper XXXX for approx. $ 35-40 U.S. At that time the bank associate made a telephone call to determine the exchange rate on the currency. After that call she informed me that the bank had a policy of not exchanging XXXX with a value of less than {$100.00} U.S. In response, I told this associate that I inquired about returning XXXX when I picked it up, and no one told me about this requirement. I certainly could have brought back the required amount if I had known about it, and I told her that the bank was negligent in not informing me about this. I felt that they made an error, and want me to suffer the consequences of their oversight. The bank associate told me that she would discuss the matter with bank management, and someone would get back with me. 

On XXXX XXXX I received a call from someone at the bank who identified himself as " XXXX ''. He told me that he checked out my exchange issue, and found that PNC had a policy of not exchanging XXXX with a value of less than {$100.00} U.S., and they could not make exceptions to this policy. I asked him why the bank did not inform me about this when I inquired. He apologized, and it appeared to me that local bank personnel did n't know about this policy. When I asked XXXX about the reason for this requirement he stated, " efficiency 's of scale ''. I pointed out to XXXX that the bank had a XXXX opportunity to make this requirement known to me in written communications, but missed that chance also. As a result of my order, I was given a written record of the transaction entitled " PNC Foreign Exchange Services ''. This document should have defined the return exchange requirement, but failed to do so. I told XXXX that I viewed this failure as additional negligence on the part of the bank. 

XXXX was firm in his position that the bank would not exchange the XXXX for me, and he suggested that I try to get it exchanged at the airport. I told XXXX in response that I have been a member of PNC and it 's acquired banks for almost 50 years, and I would like to believe I could count on my bank for this service.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Late in XXXX, my wife and I lost a rental property in foreclosure. There was a Home Equity Line on the property as well with PNC Bank. I contacted them and they asked me to continue making payments on their loan, as it was the first Trust Deed that foreclosed on the property. We kept making payments on time for almost 5 years. Then out of nowhere, I received a statement from PNC Bank that they had written off the loan and would no longer accept payments. It took a few days for me to be able to reach someone at their company, and they told me that they may not have had the " right '' to collect the payments after the foreclosure at all so they wrote off the debt. I received a cancellation of debt notice from them and they then reported a charge off on my credit. So now after almost 5 years of paying on time, I have a new negative report on my account because they thought I should n't have had to pay in the first place. 

What I would like to have happen is : 1. The negative reporting should be dated the date of the 1st TD foreclosure ( which was in late XXXX ), so my credit is n't negatively impacted for 7 more years from the arbitrary date PNC decided to write off the debt - XXXX of XXXX. This has already created a hardship for me in that I tried recently to refinance my home and was denied because of this negative reporting. This is for both my wife and myself. 
2. If PNC was n't allowed to legally collect the debt in the first place, then they should refund the 5 years of payments we made after the 1st TD foreclosed. The payments were {$500.00} per month, and over 5 years this equals over {$30000.00}. 
3. There should be some kind of penalty involved for PNC for the arbitrary nature in what they did. I recognize that a foreclosure is not a good thing, but there are certain amounts of time where this is intended to negatively impact a person 's credit. Because of how they handled this, my credit has been impacted not just for the 7 years an item like this remains on a person 's credit, but for an additional 5 years because they are reporting it in XXXX instead of XXXX. This is really unfair in that I paid their monthly payments just like they asked me to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-10 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I have paid all Alliance One debts in full. This company is state ran and in no way do they want to let the debtor off the hook. I set up a payment plan ten years ago paying XXXX per month. Ten years later I 'm notified my balance is XXXX but the start ball was XXXX? After ten years payments well then I 'm told that the payment plan set up by alliance one was not even covering the intrest so my balance grew each month for ten years!!!! I have tried to settle this debt with no luck. Last month I paid almost XXXX to remove these derogatory remarks from my credit history. Almost a month later nothing has been removed. Please help me fix this bad debt collector from my credit. I always pay on time and always take responsibility for my debts. I am XXXX wanting to buy my first home. I have almost XXXX in cash but because of these bad remarks no lender will touch me. Help please I want to give my family a home. 
XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I am writing to submit a complaint regarding XXXX Mortgage. XXXX acted illegally on at least XXXX occasions while handling our loan. First, XXXX transferred our mortgage to a new servicer in XX/XX/XXXX. XXXX did not provide the required XXXX advance notice of transfer and did not provide any notice of actual transfer. XXXX, XXXX took out a lender-placed insurance policy on our behalf. XXXX did not provide us ANY notice that it intended to take out lender-placed insurance, much less the XXXX letters spaced 30 days apart as required by law. We had previously provided XXXX with proof of insurance on several occasions. Moreover, XXXX deducted the annual premium of approximately {$1800.00} for the lender-placed insurance from our escrow account without notice. XXXX has given us conflicting information on whether that amount has been refunded. Apparently the refund was attempted to made during the transfer to the new loan servicer, XXXX XXXX, but neither company has been able to show that the premium was repaid to the escrow account.

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 2016-06-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: MAS FINANCIAL SERVICES, INC.
State: NY

Complaint narrative:
I have an auto loan with this company that is current. However when my payment is due the bombard my cell phone with automated messages. I 've asked XXXX multiple times to stop this and it continues. I have documented over 50 calls like this. I have told them I do not authorize automated calls as the # they use is my cell phone and I am at work ( XXXX ) when they harass me. Today I started getting text messages as well that my payment is 1 day past due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
BMW will not reverse a late payment '32 days due to a mistake that they made. i 've disputed and send in letters, all denied my appeal, they will not admit fault and I have proven to them over and over it occurred due to a customer service rep not recording a date change. They even admitted he did not do his job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20 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 trying to work with PNC Mortgage for the past 3.5 years to get the loan on my home modified. PNC has given me the runaround for a very long time, and they continue to ask for documents I have submitted over and over again. They waited until now, not 3.5 years ago, but now to tell me that they will not review my last packet for modification because the investor on my loan does not participate in government assist programs. I have a government issued loan on my home and they refuse to help me. I 'm divorced and received the house in my divorce, so the property was quit claim deeded to me by my ex husband. PNC refuses to honor the divorce decree and quit claim deed. They are insisting that my ex husband be added to the modification. When my ex declined, they also declined to assist me. I have paid countless agencies to assist me but to no avail. PNC advised that their investor will not allow review of the packet but they refuse to tell me who the investor is. I needed to know the information on the investor so I could appeal to them to remove/cancel the XXXX XXXX sale date on my property for foreclosure. They wo n't help me. Today I received XXXX copies of the same letter dated XX/XX/XXXX from PNC telling me they can not move forward with reviewing my packet because I did not submit the requested information. I have sent the same information over and over every month for the past 3.5 years. Please help me. I do not want to lose my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
We purchased a CPO BMW from XXXX XXXX XXXX. Since then my vehicle has been in and out of the service department at least 9 times since XXXX of this year. I was told it was a gas tank that was replaced the first time after I was told that there was not even one tank in the world but keep driving on it although it was burning gas. BMW Corp office contacted me after I emailed everyone I could locate and offered me a XXXX customer loyalty check. After I accepted the check and believed my car to be repaired, I received an email that my vehicle gas tank had arrived to the service department. Via email I questioned BMW because my engine light came on and I received the email, that the part had arrived after I was told and only signed under the impression that it was on. The XXXX XXXX the contact said it was an error but within a couple of months the tank was again replaced due to the engine lights. I was not able to work my husband was XXXX with the military and now we are falling behind in paying the vehicle whose light has come on and serviced 6 times since XXXX. They will not take back the vehicle and are now giving us a hard time telling us to trade it in, but if you trade it in they can read the key and see all the repairs and they are now saying it 's worth XXXX less than what I owe. Please help resolve this. The vehicle is not safe we have corporates for months and the lights keep coming on and it is affecting my job and now I am falling behind. I have emails and service records to document this on going battle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: GA

Complaint narrative:
I requested contracts bearing my signature and the creditor nor bureaus have provided me any proof within 30 days as required under the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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: TN

Complaint narrative:
company has stated they will remove account from credit report, they have not done so yet

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC has charged me erroneous fees in the past and they recently took steps to maximize the fees charged to me. On XXXX they charged me XXXX overdraft fees which I believe to be potentially erroneous. On XXXX I noticed that my bank balance was not enough to cover the autodebits from my XXXX credit cards set for XXXX. I had my wife move money from our other bank to PNC to cover the balance. She unfortunately did this using a cashiers check which was deposited on XXXX. On XXXX PNC charged us XXXX over draft fees after the credit card payments posted. Despite the check being enough to cover the payments, my wife and I were unaware of the check clearing policy for cashiers checks which holds funds for one day, hence the overdraft. However, had the payments posted in a different order, the lesser amount first, we would have only been charged XXXX over draft fee. PNC did refund XXXX of the fees because we are not in the habit of over drafting. The thing is, since I have no visibility into the auto-payment posting times, I ca n't be sure that PNC is not maximizing the fees charged to me by posting the smaller of the auto-debits first. Furthermore, PNC has a history of charging me inappropriate fees. In XXXX they tried to charge me a {$25.00} dollar fee for not having enough direct deposits in my account for XXXX because the deposit that happened on XXXX did n't count for the XXXX statement. I called to complain and they removed the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 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 pnc bank charged my mom XXXX late fee???? balace is now XXXX????? should only be XXXX? im my mos XXXX going thru hardship?? like too see if we can get the XXXX late fee waived?? were very loyal long customers????? like too pay just the XXXX on phone??? my cell number XXXX

Company response to consumer: Closed with explanation