vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-09-14 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am filing this complaint about PNC Bank for what I believe to be confusing marketing practices aimed at tricking existing PNC Mortgage customers into opening a new PNC Bank account. 

My wife and I have a mortgage through PNC Mortgage. Yesterday we each ( separately ) received letters in the mail suggesting we needed to go online to set up a PIN number. It appeared we needed to do this in order to set up " online banking '' so we could " access ( our ) accounts ''. 

The letter itself came in the type of " snap out '' form that often is used for sending checks, or for sending official notices relating to things such as proxy voting for shareholders. It was not in the type of glossy, colorful envelope that is typically used for marketing purposes. So, as the only relationship I have with PNC is my mortgage, I naturally assumed this was some sort of formal notification or communication relating to my mortgage. 

I began the process of setting up online, because I will need to access my escrow information at tax time ( interest paid, insurance, etc. ). But I grew suspicious when the online " setup '' process began asking for more information than I thought would be necessary for simply setting up online access to my mortgage account. 

So I called customer service, concerned that this may be a form of " phising ''. They told me that they were aware of this letter. It was in fact sent by PNC and was valid. According to them, they wanted to offer their mortgage customers the ability to " access additional banking products and services '' at PNC. In short, they wanted me to set up a new bank account. 

The form letter they sent out did not at all make this clear. It does not clarify that they are sending this to existing mortgage customers and that they are soliciting these customers to set up a new account. 

Instead, it appeared to simply be telling us we needed a PIN in order to " access ( our ) account '' online. On closer examination of the letter, I now see that they use the words " online banking '' but they do NOT use the words " establish a new account '' or " an additional account '' or anything that would clarify to the reader that they are trying to sell us additional accounts, products or services. In addition, to most folks ( at least myself an my wife, both of us have Masters Degrees ) the term " online banking '' when used in the context of PNC Mortgage simply means " online access to the mortgage account ''. 

This seems to me to be an extremely misleading way to trick people into opening accounts that they do not wish to have. 

In light of recent XXXX XXXX actions - where their employees were setting up new accounts without customer knowledge - this letter from PNC seems to be a twist on that same thing, except in this case, they are simply trying to mislead existing mortgage customers into setting up new online bank accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I signed up for a mortgage with PNC. They provided an acceptance letter. Days before the closing they called me and told me that I no longer qualified for a 30 year mortgage due to " debt to income ratio '' which had not changed since the initial approval. They told me that I now only qualified for a 7 year ARM mortgage ONLY. This information was broken to me days before closing. I had no way at that point of obtaining a new mortgage within a few days. I was so scared that I would lose my deposit that I was essentially forced into accepting the terms. Now, with the rate changing I stand to potentially have to pay much more money in interest when I am forced to refinance in 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Doctors Business Bureau, the collection agency for XXXX XXXX XXXX XXXX refuses to remove a medical collection on my account despite numerous communication requesting same which included the attached verification of my identity theft. Detective XXXX with the XXXX Police Department was the XXXX that alerted me to the identity theft and a police report was filed by Detective XXXX and another police report was filed in XXXX XXXX as this is my county of residence. I have not used XXXX XXXX XXXX for a XXXX for myself nor for my minor son. This service involves someone else who may have used my identity. The collection agency will not remove the collection and continues to demand payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: UT

Complaint narrative:
I traditionally take and make bi-weekly payments on my mortgage with Stearns lending so that way I can take and make an extra payment as well as so I can take and pay down the principal on the loan more quickly. 
I am not signed up for any bi-weekly payment plan and or service and have always questioned given the quick and easy method by which companies are able to take and receive and apply any payments that come with them why I should have to take and incur an additional cost when I can clearly show that my mortgage company by their own system is receiving my payments but they are are choosing to apply them to the loan on their own schedule thereby forcing me to continue to incur added interest while at the same time they are just able to sit on my money without any added return or benefit for me? 
I have provided a PDF of all payments that have been made every 2 weeks going back to XXXX/XXXX/2014.

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 2016-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Receiving multiple calls from BMW Financial regarding a payment that has not reached 30 days and have never been 30 days. On XX/XX/2016 they called my personal number at least 5 times. They called about 2 times did not leave a message. Then they call again and leave a message. Then they call back again and I pick up and they disconnect the call. I get upset and call them back regarding the multiple calls and they disconnect my call. Then I called BMW Financial back. Finally spoke with an agent in collections and told him that I plan on paying the bill on XX/XX/2016 and to stop calling my personal number so many times a day. He said that he would update the account regarding the payment and would stop the calls. About 10 minutes later they call me again to talk about the payment I owe. 

I am at work and when these calls are being made. I am extremely disappointed with BMW Financial and their collections department should be more trained on how many calls they can make a day. After they left a message for me they should have waited until the next day to call again. 

They have previously called multiple times per day prior to this incident but XX/XX/2016 was extremely excessive especially when they left a voicemail and then made contact with them. I can access phone records if needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc.
State: NY

Complaint narrative:
Assett Recovery Associates attempted to impersonate government official-also threats made to take all my assets, wages, house property and to file felony criminal charges. illegal questions about social security number and income questions.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
After turning in my car, I received a bill that I did not recognize. I called FORD MOTOR company and they said it was for mileage. I offered to pay it on my XXXX credit card, and they said that they do not take XXXX. 

I made other arrangements to pay. They have been paid in FULL a few years ago and they are still reporting a collection on my credit report with this account being closed in 2009. I also made all the lease payments on time for 36 months due.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
Progressive Management -- Acct : XXXX This complaint is per your offices request I am sending you this formal complaint concerning and XXXX, XXXX, XXXX their business practices. 
These bureaus continue to report inaccurate information. I am formally remove this debt from my credit. 

In the years from XX/XX/XXXX-XX/XX/XXXX my identity was stolen. I discovered this because accounts were opened accounts in my name. I have seen where someone has continued to apply for credit in my name. 
It is possible that the thieves that committed the fraud. XX/XX/XXXX I filed a ID Theft Report copies were sent to XXXX major credit bureaus. I have sent the proper documentation to XXXX bureaus and the XXXX debt buyers

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: ROYAL UNITED MORTGAGE LLC
State: IN

Complaint narrative:
I tried to get a refinance home loan from Royal United Mortgage XX/XX/XXXX. It was a VA refinance home loan. There was a problem with the VA that I did not know about. XXXX XXXX was the guy I was working with. He called me told me about the problem. I was scheduled for an appraisal that day. I asked him if he had cancelled the appraisal he said he did. They showed up at my house. I had them do the appraisal because XXXX XXXX told me he could get me another refinance loan. I called him after the appraisal was completed told him it had been done so we could go forward. He never returned my call or my text messages. When he first called me that day he talked nasty to me and told me that it was about time I finally remembered I should have told him earlier. I told him the only I remembered was the date he had given me I did not know about the problem with the VA. He has never returned my calls or text messages to help me get another refinance. I am out {$400.00} to these people. I got my home refinanced somewhere else I had to pay for another appraisal. These people will not return my calls or texts or emails. I also emailed the headquarters in XXXX. This guy is in Illinois. My credit score is XXXX. When XXXX emailed me the paperwork from the VA I called them was told I owed about {$23000.00}. But I could get a VA loan if I wanted more money. I do n't want to do that. Continued to try to contact XXXX XXXX and Royal United Mortgage headquarters. No answer. These people owe me {$400.00}. Was wondering if you could please help me XXXX XXXX XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Trident Asset Management, L.L.C.
State: LA

Complaint narrative:
Trident Asset Collection Agency placed returned checks into the wrong category. They were entered as if they were revolving accounts ; in which, payments were assigned/ made on a specific date or cycle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: VA

Complaint narrative:
XXXX XXXX, XXXX I bought a XXXX XXXX. First payment due XXXX/XXXX/XXXX. ( 72 month loan ). The sticker cost of the vehicle was {$31000.00} on my paperwork from XXXX states " Cash price {$32000.00} '' plus it was an " end of the year sale '', which should have lowered the sticker price. I traded in a XXXX XXXX that I had paid for in full with this same dealership. They only gave me {$7200.00} for my car which I was not satisfied with! XXXX kept me there for over 3 hours and past their closing time ... in the end I do recall wanting the XXXX XXXX {$800.00}. but do not recall the extended service for {$2500.00}, although I did sign the paperwork, but exhaustion had set in by then. This is an interest free loan. The amount financed was {$29000.00}. including a {$7200.00} deposit from my trade in. I need to sell the vehicle now ( most months I paid extra on the payments as I could afford to ) I still owe {$22000.00} I went to the dealership and asked what my options were for getting rid of the car and their Trade In/ Retail Breakdown only allows {$14000.00} - {$17000.00}. I 'm a single mom & a XXXX. I 'm starting a business and need to curb my debt. I 'm very frustrated and feel that I have been taken advantage of!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I have been monitoring my credit carefully for the last 6 months. I am applying for a home loan. I was notified today that Progressive Management XXXX is now reporting a new collection account for a medical bill. I have been at my address for over 2 years and I have not received a single notice or call from Progressive to validate this debt accrding to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( b ). They have made no attempt to obey the law. I have faxed them a request to validate the debt and a copy of their HIPPA compliant agreement with the creditor. I have not had any medical bills that would fall under this category so I believe they are simply re-aging this 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 2016-09-02 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: GA

Complaint narrative:
I sent a " XXXX XXXX Letter '' to a company trying to collect on a 20 yr. old debt. I recv 'd. several calls in the 2 weeks after the recv 'd the letter. The other day, they called again. I answered. 
1. They said they never recv 'd. the letter even though I told them who signed for it. So, I read it to them. 
2. The stated they are an " XXXX Firm '' not a collection agency and the consumer protection laws and the " Fair Debt Collection Practices Act '' does not apply to them. 
They said they would still pursue the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
This item was unlawfully placed on my account. I have requested that this be removed as this is no fault of my own. This was a covered procedure. I had the same exact treatment on XXXX XXXX, XXXX, XXXX XXXX, XXXX and XXXX XXXX, XXXX. The procedure was paid on the XXXX XXXX and XXXX XXXX, however the XXXX XXXX was not. Upon my investigation, I discovered that XXXX had provided and submitted the incorrect procedure code. I called several times to get that changed. I was told to call XXXX. When I called XXXX, they referred me back to the doctors office at XXXX. I even had a XXXX way call with XXXX and XXXX and XXXX refused to comply. They stated I signed a waiver where I understood I would be responsible for payment if XXXX did not pay. XXXX blames XXXX and even even wrote a letter to XXXX requesting payment. XXXX denied because all they were requesting was for XXXX to resubmit the correct code. XXXX even stated the dates of treatment did not match. 
I requested an appeal with XXXX on XXXX/XXXX/XXXX and another appeal on XXXX/XXXX/XXXX. I even requested the assistance of the State Of California Department of Insurance on XXXX XXXX, XXXX. I kept getting referred back and forth and have records and dates who I spoke to until XXXX stated they no longer can discuss my issue with me as they forwarded it to collections.

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 2015-04-24 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
Stallings Financial sent me a letter stating I owed them money in late XX/XX/XXXX I en turn wrote them within 30 days to validate the debt. I never received any correspondence from Stallings validating the debt. I sent another letter in XX/XX/XXXX stating I had not received any validation of the debt. Stallings Financial sent a letter dated XX/XX/XXXX stating my dispute was frivolous. I have not received any documentation stating the debt is valid.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Impersonated an attorney or official
Company: Financial Credit Service, Inc.
State: VI

Complaint narrative:
I got a call from XXXX in XXXX, va who are collection on a debt I owed from a car down payment. When I told the rep I could n't pay the amount he wanted he told me he would just garnish me when I asked him was he a debt collector he told me no he was an attorney. When I called back I clearly got a pre recorded message stating they were a debt collector, in which I was never stated the mini Miranda when they called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: Trident Asset Management, L.L.C.
State: MN

Complaint narrative:
I am currently trying to boost my credit score. I checked out my score on XXXX and I noticed that I have XXXX amounts of {$180.00} and {$90.00} in collections. I have not received anything that says I was supposed to pay something off. I noticed that it was from a company called Trident Asset Management. When I tried going to their website, none of the links work when I clicked on " make a payment ''. Here is the website : http : //www.tridentasset.com/ I continued to try and get a hold of them so I could potentially pay off this debt, or get some more information on it. I do not know what this debt is, and it concerns me that I can not even get a hold of a company who claims to have debt on me. Their phone numbers do not work. When you call, the machine tells you to press " 1 '' and it continues to repeat itself, never connecting you to a representative. Here are the phone numbers that I have tried that they claim is theirs : XXXX XXXX Here is the address they claim to be at : XXXX XXXX XXXX XXXX, XXXX , GA XXXX I have researched online and many people are having the same issue and do not know what to do. I 'm not sure if this is a reliable source, but this is what other people have to say about it : http : XXXX

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