vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: VA

Complaint narrative:
My payments with Stearns were {$960.00} to start in XXXX XXXX. This was to include my escrow for HOI and taxes along with my PMI. XX/XX/XXXX they started taking out {$14.00} for my PMI. I never disputed because I did n't know there was an issue. In XX/XX/XXXX they did an escrow account analysis and then sent me a disclosure that my payments were going to be $ XXXX They erroneously took the entire deficient and put my escrow account in the RED by thousands of dollars. Stearns not deducting the correct amount for my PMI actual put me into a financial hardship. I have made numerous phone calls trying to get the break down for the escrow account and to also to try and figure out where the disconnect was in the amount increase. After 86 hours of making telephone calls and getting the run around I gave up trying. I hope since now I see that I am not the only person with the same complaint something can be done. I had to bring over {$4000.00} to the closing table to get a refinance because of their negligence. They also said to me that if I were smart I should have picked up on the incorrect payments, with that being said you have to be of a certain caliber to own a home. This is a total disgrace to the mortgage industry and the scams that occur every day.

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 2015-03-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Federal Pacific Credit Company, LLC
State: FL

Complaint narrative:
I found out from the credit reporting bureaus XXXX, XXXX and XXXX that there was a negative account under " Federal Pacific Credit LLC '' under account number XXXX. Federal Pacific Credit has failed to provide any legal validation or a dunning letter in accordance with the Fair Debt Collection Practices Act. I am seeking proof that this debt is mine and will require a copy of the original contract under which the credit account was obtained, as well as monthly statements since the debt was purchased. The company often refresh this account on my report. Balance of this unknown account his XXXX in last 6 months. Also company is reporting multiple 120 day late payments to further affect my credit score. I have sent several letters, including notarized formal validation letters seeking this verification and to this date Federal Pacific Credit has failed to provide the information requested. Or even responded. They also us multiple mailing address for their company were they do n't sign for mail. Multiple returned letters. I have called the company to get mailing address from them directly and still my mail gets returned. Federal Pacific Credit is clearly in violation of the Fair Debt Collection Practices Act and I will seek legal action against this company for the practices if the issue is n't resolved immediately. Federal Pacific Credit has not provided the undersigned with any evidence to substantiate its claims that this debt is a legitimate debt. Further, there has been neither proof that Federal Pacific Credit has permission to collect this debt, nor have they provided previous verification of this debt. Finally, I have received no information that Federal Pacific Credit currently possesses any documents of this debt. Since this company has failed to provide any evidence of the claims made in their response, I am led to believe that neither Federal Pacific Credit possesses adequate documentation to collect this alleged debt. In order to provide proof that this is a legitimate debt of over 7 years and they have the right to collect this debt.

Company response to consumer: Closed
Consumer complaint received 2015-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: WA

Complaint narrative:
ALLIANCEONE RECEIVABLES in XXXX XXXX, Wa, is truly unprofessional and do n't make things easy as it should be. I tried calling them to ask for a letter to show that everything is done and can move on. But I never got the letter and asked at the end of XXXX And once I completed paying off the debt back in XX/XX/XXXX, they never changed the status of account after it being {$0.00} balance. still showing 'open ' in status. I do not think it should be this difficult to do something that is logic an sensible. For collection agencies like these that not a part of XXXX or anything to govern them, should be changed. it seems they can do and talk to people in any kind of way without using obscene language. I am trying to get my credit together and for this company to be unruly and not do the decent thing is horrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I was first solicited XXXX by phone. I paid a deposit of {$4600.00} for a business opportunity. I was supposed to receive including but not limited to the following : XXXX XXXX XXXX, Page Setup : fill out available fields, custom URL, News feed builder : Like XXXX industry or niche leaders, Install FB Badge onto client 's website, discovery report, competitor & industry analysis, research client 's business model & offerings, Identify targeted customer audience : demographic, behaviors and interests, develop final discovery report detailing findings, strategy report, determine top engagement best practices, XXXX, consulting, publishing & scheduling post. I did n't understand alot of what was going on. Everyone was telling me not to worry they would help me. I admit I do n't understand alot about the computer and have related that information to them. They took advantage of a senior citizen. I requested a refund in my demand letter, because I was n't given the face to face attention imperative for my success which I was guaranteed before signing our agreement. On that basis, to date I have never used their services and was n't given the product as described. I am aware that there is a duration in which you can dispute a billing item with your credit card company but these are unordinary circumstances and therefore an exception should be made under the " claim and defense '' regulation. My credit card company should provide a certain level of protection to me. Please have my credit card company investigate the issue and refund the monies paid out when I was under duress.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/2017, I deposited into my PNC checking account, via the PNC ATM at the XXXX XXXX XXXX, XXXX XXXX PA branch of PNC, a U.S. Treasury check made out to myself and my husband. This check was properly endorsed by both myself and my husband, and the address on the front of the check under our names matched the address of my checking account on record with PNC. I received a copy of my receipt with the deposit. 
Two days later, XX/XX/2017, I checked my PNC account online. It showed that the funds from the check had been deducted from my account and the check was listed as " Unpresentable. '' The representative at the branch office, with whom I just spoke, said " Unpresentable '' in this case meant that both myself and my husband had to present ourselves in person in order to deposit this check - and that the only checks she had seen this happen with were US Treasury checks! The check ( or the legal facsimile of it ) would by mailed back to me via USPS, untracked, adding additional days to the process of re-gaining access to it. 
PNC has issued no security alert, no email or website or statement warning, to its customers regarding its new " policy '' - indeed the PNC employee with whom I spoke did not know of a written version of this " policy. '' Despite having my phone # and email address ( and contacting me for all manner of other things ) PNC did not contact me about this action it took ( removing the funds after accepting the legally endorsed check ) - it is only because I happened to check my account online that I even knew what PNC had done. If PNC is going to have different rules for US Treasury check deposits it MUST PUBLISH THEM AND ALERT ITS CUSTOMERS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
I first started with annual credit report website for copies of my credit report. I receive XXXX out of XXXX agency with no problem. Equifax stated online they can not find the report and need more information in hard copy. I email SOcial security card and bill with address as requested. Equifax send back same letter requesting the documents 3 more time with me sending them three more time. Last time I add the information to the certified mail, and letter ask XXXX they need any other information but with no response beside the same letter asking for the hard copies that I sent. 

I file a dispute online with them but no reply was provided after a month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-13 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
PNC Bank refuses to close my accounts despite multiple requests and continues to forward spam.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MO

Complaint narrative:
Carrington Mortgage overpaid our insurance company. So on XXXX XXXX, 2016, I submitted a payment for {$1400.00} plus the {$15.00} phone charge to assure the entire payment was applied to the escrow account. I was given a confirmation number and assured all the money would be applied to escrow. Today, XXXX XXXX, 2016, I received notice they applied part to my escrow and part to a mortgage payment, effectively screwing me out of {$200.00} and raising my monthly payments by {$55.00}. What a convenient way to get more interest from our loan. I have read so many complaints against them. It was not our choice to have them as a mortgage company. Principal mortgage sold our loan a little over a year ago and it has been nothing but a hassle ever since.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: IN

Complaint narrative:
I acquired Stearns Lending as my mortgage company sometime around XXXX 2015. After my XXXX payment, they decided to increase my monthly payments form {$1200.00} to {$1300.00} per month without giving any notice, either written or otherwise. I called and asked them what happened and they told me they would research it. I then bounced around on phone calls back to them before finally being told the amount changed when they bought the loan and it had gone down from what my original loan amount was. I told them that was incorrect. I then looked around on their website and figured out they were collecting way too much money for my property taxes. I then called back and they told me XXXX XXXX, Indiana had given them that number and I would need a tax statement showing the proper amount. This took place between the first of XXXX and the middle of XXXX. I then went to the county assessor and they told me they had no idea where Stearns had gotten the tax amount and gave me a statement. I then sent them the statement on XXXX XXXX via email and received a response that the document was received and they would respond within 10 days of receipt with the corrected amount. I then spent XXXX and XXXX getting bills of {$1300.00} instead of the {$1200.00}, and I called at least XXXX times trying to get this fixed. They kept telling me it would " escalated '' and be fixed. I asked on at least XXXX separate occasions to speak with a supervisor and I would then be put on hold for XXXX minutes only to leave a voicemail, none of which were ever returned. Finally on XXXX XXXX, I called and threatened to sue. They assured me it would be taken care of. I called again on XXXX XXXX and they have finally fixed the amount of taxes, but it still needs to go back to their escrow department, which is n't scheduled until XXXX to review it. My bill is due on XXXX XXXX. This is unacceptable and a terrible way to do business. I do n't even want to do business with them after this fiasco, but it is going to cost me {$3000.00} to refinance. They told me I would receive a check for any money they owe me, but that is n't going to cover the extra interest I am paying on other bills I have n't paid in full due to having to pay them {$150.00} extra each month. Not to mention, they did n't give me a time frame in which to expect my money back.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I purchased a car from XXXX XXXX in XXXX Texas. XXXX XXXX, 2014 I got behind on my payments, I am a college student, they repossessed the car. I paid to get the car out of repossession. I have been paying and am still paying on the car, however, no purchase or payments are showing on my credit report. It is like i am paying on a ghost car. When I called Drive Time/ Bridgecrest, they say they ca n't post the payments on my credit. I just found out about this when I went to go to purchase another car and the y ran my credit. The car is not on my credit report and now it is having repair issues.

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 2016-08-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
There is a class action suit going on at this time - but my situation is after the time period that the lawsuit is for. XXXX v. PNC Bank, N.A., well this settlement settled nothing. PNC is still continuing their practice! I ca n't file in the suit since this is happening to me NOW. I have been dealing with PNC for 2 months now. Our area just got mapped as a flood zone ( XXXX XXXX ). I was notified that I had to purchase flood ins for the VALUE of house. I contacted the XXXX county tax area - my home structure is worth {$160000.00}. My balance is {$210000.00}. I purchased insurance for $ XXXX-more than the value ( there first letter stated that I needed to purchase flood insurance for the value of the structure ). I notified PNC - have copies of letters, faxes, contact people names. I was told they would look into value and notify me by mail on XXXX XXXX, per XXXX XXXX, Loan Support Analyst, XXXX XXXX - Flood Servicing, XXXX XXXX XXXX XXXX, PNC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( p ) XXXX | ( f ) XXXX. I received a letter today, XXXX XXXX, 2016 - acting like I have totally ignored them -and they purchased additional insurance of {$23000.00}, which is more than the value of the home OR MY balance! Charging me {$140.00} - I have already paid out {$450.00} additional monies over my homeowners insurance for this special flood insurance. PNC is TERRIBLE to work with - I just keep getting transferred to one dept to another dept - the rep telling me - they do n't handle my issue. I have spent so much time on the phone and on letters and emails. I am totally frustrated. Is there anything I can do?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIZENS FINANCIAL GROUP, INC.
State: VA

Complaint narrative:
I have had an existing loan with CCO Mortgage ( https : //www.citizensone.com ). They have repeated ignored my attempts to refinance my mortgage. My interest rate is so high ( 8.125 % ) and it is causing stress on my monthly finances. They do not want to touch my loan b/c they are getting such a good deal for the bank. The loan was taken out in 2005 and is a XXXX trust. All they tell me is they ca n't help me b/c it 's a XXXX loan. They are not helpful and they do not ever try to assist me in my re-fi efforts. I have tried to combine my XXXX and XXXX trust loans with them but they still do not call me back or offer any guidance. I would like to report them for being abusive with an existing customer and taking advantage of my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
question on PNC loan app. ask what is my race? why? discrimination issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX, FL XXXX XXXX. 
ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to XXXX of XXXX. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAUor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SEC # XXXX XXXX XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: PNC Bank N.A.
State: NY

Complaint narrative:
While reviewing my EXPERIAN credit report, I noticed an unauthorized and fraudulent inquiry initiated by PNC BANK on XXXX/XXXX/2016. I did not authorize any employee of PNC BANK to review my records for any purpose at any time. I personally contacted PNC BANK and requested to have this adverse information deleted and also, to within 5 business days provide me with any verifiable signed documents that I may have signed authorizing this inquiry. To date PNC BANK has failed to provide me any documentation within 5 business days. This fraudulent inquiry is 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 securing meaningful employment, Housing and/or obtain new credit due largely in part to the gross negligence of PNC BANK acts and omission.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XXXX XXXX, XXXX, my rent check for XXXX was mailed. On XXXX XXXX, XXXX, the " Pay to the Order of '' on the XXXX rent check was altered and cashed at a PNC Bank. On around XXXX XXXX, XXXX, I filed a fraud claim with XXXX Bank. XXXX Bank said I would receive a refund in a few days. It has been 33 days and my refund still has not been issued. After contacting XXXX Bank again, I was told by a supervisor that it could take 90+ days to receive my refund and they could not issue my refund until PNC Bank refunded the money to XXXX Bank XXXX 

XXXX Bank Contacted PNC Bank on XXXX XXXX, XXXX. As of XXXX XXXX, XXXX, PNC Bank has not responded to XXXX Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
I have been in a loan modification with PNC mortgage for 6 years, my payments they set up for me to pay, have all been made on time and now they tell me I am behnd {$420000.00}! They want me to do a new modification and tell me Im going onto forclosure

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: STONEGATE MORTGAGE CORPORATION
State: OR

Complaint narrative:
In the middle of refinancing our VA mortgage, our current mortgage servicer ( Stonegate Mortgage ) contacted us and promised to beat any offer we had to refinance through someone else. We provided Stonegate with the Good Faith Estimate we were working with and they gave us a better Good Faith Estimate giving us a rate of 3.625 % and them contributing all of the funds for closing costs. After providing Stonegate with all of the documents they delayed several weeks ( causing the rate lock to expire ) and are now saying they can only give us a 3.75 % interest rate and that we will have to come in with several XXXX dollars for closing costs.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief