vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: OH

Complaint narrative:
My lender will not provide a monthly bill. I am ahead on my payments, therefore my account is in a prepaid status, therefore ACS does n't send out bills while interest accrues on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LAND HOME FINANCIAL SERVICES
State: CA

Complaint narrative:
During the final stages of the home purchase transaction ( under the new XXXX regulations ), I received, reviewed, and signed off on the final closing disclosure documents submitted by the lender. After signing the documents at escrow and waiting for the lender to fund the mortgage loan, I was notified that the lender required additional monies before the mortgage could be funded. I complied under duress ; to avoid homelessness. 
In reviewing this situation and XXXX requirements, identified several missteps on the part of the lender : The lender failed to review or audit documents prior to submission to the consumer. In multiple closings, my agent personally identified errors in the closing disclosures. Errors include splitting apart fee amounts so that they can not be matched to information previously received by the consumer, incorrect entries, and missing entries. Each situation places the burden of disclosure detail accuracy on the consumer, who in all fairness, should not be charged with auditing and identifying issues on bank disclosure documents without the financial details and calculations required for a " clean '' assessment of document accuracy. 
The lender notified me via the title company and did not alert the consumer directly ; the title company representative was placed in the position to notify the consumer of a lender change and that funding would not occur unless additional funds were remitted. My agent followed up directly with both the title company and the lender, neither had a clear explanation as to why the change had occurred. The lender ( the person that interfaces with the public ) said the change was put in by the " processor '', was aware of the change, but had no knowledge as to why the change occurred. 
The XXXX process is an arduous, administrative process that allows lenders to give a show of compliance, but lack the consumer protections which were perceived as the " intent '' of the new requirements. 
The end-to-end XXXX process is not defined. The XXXX documentation suggests that the review timeline is the " end '' of the process and does not clearly account for changes following escrow signing. It would seem that any change, especially a change that is detrimental to the consumer should not be allowed once the final closing documents are completed, reviewed, approved, signed, and executed. The financial institution should take the loss in the event that it fails to deliver complete and accurate documents to the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
My wife and I purchased a home in XXXX 2012 with an FHA loan through PennyMac. We have been paying PMI as required, but recently requested termination of the PMI due to significant increases in property value. The first request was denied about 8 months ago and we recently submitted a second request. I believe our loan docs state that PMI is to be carried for at least 5 years, however, everything I have seen shows if the home value does not exceed 78 % of initial loan amount then PMI is not required. I have also read that upon request of termination of PMI PennyMac could request an appraisal on our property. We would be happy to pay for an appraisal and feel our property far exceeds the loan to value ratio. Our loan amount was for {$160000.00} and similar homes in our neighborhood are selling for well over $ XXXX. Any information or effort you can make in resolving this matter would be greatly appreciated! We look forward to hearing from you!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: National Credit Adjusters, LLC
State: OH

Complaint narrative:
Honestly not sure I have this debt collector saying I owe XXXX dollars for a loan I never applied for or got not sure how to proceed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services
State: NE

Complaint narrative:
ACS Educational Services , Inc. otherwise known as XXXX is using my entire social security number as a loan identifier. I have sent letters, e-mails, and was assured that the trade line would be removed from all XXXX major credit bureaus. This has been going on for one year. Only XXXX credit report is showing that the trade line has been removed. In addition to this matter, my social security number has been disclosed at XXXX local branches on a computer generated print out. No investigation has been done to find out who is exactly doing this. In addition to this matter, a small claims civil suit has been filed because of this stupidity on the part of ACS who, by the way has over XXXX complaints and is increasing daily. WHO wrote these stupid policies in regards to utilizing a students ' entire social security number as a loan identifier? Guess what else ACS, the student 's are going to find out that you indeed did do this and ACS can expect to be in court XXXX. Then, I hope you are put out of business for good and I hope a class-action is initiated on different levels and multiple fronts. I have filed numerous complaints on different sites in order to show the level of stupidity to include contacting XXXX in regards to this situation. I am afforded that right to do so.-Period! This is financial terrorism and I do n't care what anyone says in regards to this matter. I do n't plan on treating those who may or may not show up to court with respect at all- period. In fact, representatives from ACS will be grilled with questions, truth, and evidence. I am going to shun you and then I am going to turn on the mute button and only answer the Judge. You can expect the questioning in the cross-examination to be very brutal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ACCELERATED COLLECTION SERVICE, INC
State: WA

Complaint narrative:
I tried to verify the company name and license number which they were unwilling to give. I tried to verify the name and amount of the creditor which they were unwilling to give. I tried to verify the name and address of the person they were trying to contact and they were unwilling to give. I asked for the first and last name of the collector contacting me and they were unwilling to give. After repeated attempts ( asked for each piece of information 6 times ) to verify any information, they became abusive and threatening, telling me if I did n't verify my identity they could take legal action.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Well earlier this year I purchased my first home. I used PNC Mortgage as a my lender. That was a huge mistake. I found the house I wanted in XXXX XXXX, and decided to push the closing all the way back till XXXX XXXX 2015. Just because I was renting at the time. First PNC told me that I could not have a close friend give me gift money, then actually after the closing they told me I could have had a close friend give gift money. Also the closing did not happen on the XXXX. The day before the closing the underwriter misplaced paper work and stated they needed additional information for the closing, so I went to my other bank and gave all the bank statements and the my parents ( who gave some gift money ) had to run to their bank and do the same thing. I was never told about my parents having to hand over months and months worth of bank statements till the morning before the closing. Then 2 hours before the closing the realtor called and stated the title company was waiting for the documents. I tried to call the loan officer, and basically all the contacts I had for PNC no one would return my call. I finally ask to speak to a manager and they would always say that the manager will call me back, no one ever did. The signing got pushed to Monday, but once again the underwriter asked for the same paper work from Friday, so I resent the paper with all the confirmations and the loan officer said he received it. However 2 hours before closing the closing company did not receive the documents. They even stated it would be impossible to have the closing today. I have now taken off two days to do this signing. I called PNC and asked to speak the a manager, they would never give me the name or number of a manager, the loan processor, actually cried and hung up on me. I called the loan officer he said to move the signing till Tuesday in the afternoon. I kept asking for the underwriter 's manager number because it was crazy that the underwriter kept asking for the same information 2 days in a row. Also another complaint is why would someone in XXXX in a different time zone handle the closing. They stated the underwriter 's shift was XXXX to XXXX I do n't get why this was not handled few weeks before the closing. I pushed this signing as far back as I could. Finally Tuesday came along, the underwriter once again asked for the same documents. The loan officer stepped in and finally spoke to their manager. We had to get the a lot of the documents with the sellers resigned, like the contacts. This was a mess. The closing finally took place on Tuesday late in the day. PNC did keep blaming the title company when really it was the underwriter, that was not responding to emails or calls that caused this mess. PNC should really be investigated for their practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance One, Inc.
State: CA

Complaint narrative:
The County of XXXX XXXX is engaged in harassment and intimidation tactics by issuing tickets to law abiding citizens and referring accounts to collection agencies. I am trying to apply for employment and these heavy handed collection practices are prohibiting me from getting hired. I went in front of a judge and agreed to pay the extortion fees assessed against me and was told I would have time to make my payment on line. However, I received a call from a XXXX party collection agency ( AllianceOne ) demanding payment from me on the alleged infraction. The county has other means to enforce collections that should not include reporting my balance to the credit agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
This is information that should be included with Case # XXXX submitted this evening also. Texas Regulations allow a XXXX % Homestead Exemption for XXXX of the XXXX taxing entities for property taxes using different tax rates for each entity. 
The UN-altered tax certificates provide the calculations for each entity. Later tax certificates provided to our attorney prior to a Civil Action, the calculations were removed. Prior to the calculations and shown on the tax certificates, an incorrect calculation was made.XXXX % of {$330000.00} is {$260000.00} and NOT {$200000.00} as shown on the tax certificates. 
The XXXX XXXX, XXXX letter from PNC attorney after receiving the QWR stated the error was made by using XXXX % of {$25000.00} which was a construction title policy which is {$200000.00}. That letter was also provided to HUD. 
One must make the calculations using both base amounts, as we have and the result is the construction title policy, which PNC and their attorney failed to include, will not produce the amounts shown on the un-altered tax certificates.This had been verified by the XXXX County Tax Office, XXXX XXXX XXXX as all calculations provided by me should be verified by the proper office. 
The individual amounts on the tax certificates ( XXXX ) were used for the Initial Escrow Analysis and Disclosure. The amounts were also used to project the estimate for future taxes.Two of the incorrectly calculated amounts ( {$750.00} and {$690.00} ) were incorrectly placed on the Disclosure to be paid in XX/XX/XXXX rather than the correct amount for XX/XX/XXXX of {$320.00}. 
This made the Disclosure wrong and the HUD-1 Settlement wrong due to an amount from the Disclosure is used to calculate the aggregate adjustment credit for the XXXX. The other errors on the HUD-1 have been explained in the previous complaint. PNC refused to acknowledge the additional tax amount we were facing every month for the 30 year loan and thought it was nothing more than a one year error and made an offer of approximately {$900.00}. 
Using a PNC calculated amount ( {$4200.00} for the tax estimate, minus XXXX page of the tax certificate of {$3300.00} and used for an escrow analysis when the refund was made to the borrowers, {$4200.00} - {$3300.00} = {$950.00} This offer was not made in Good Faith Additional documented evidence is available if needed. All documents referenced in these complaints are available. All Settlement Documents are available. 
By providing incorrect information and altering documents and providing it to a Federal Regulatory Agency should be reason for an investigation for the good of all consumers serviced by this lender and due to their documented errors

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Bank issued a check to us to the wrong address in XXXX 2013. We have repeatedly contacted them to reissue the check to us at the correct address without resolution or response. The check is in regards to a settlement with federal regulators for fraudulent and faulty foreclosure practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have a complaint against PNC Bank for defamation of character and fraud. I have been with this bank for over 8 years. My daughter and I had an joint account because she was a minor at the time. In XXXX XXXX there was an estimated amount of XXXX in fraudulent transactions on this account. My daughter looked for her card and seen that the card was stolen from her wallet. There was checks from a car dealership XXXX and was used in a community bank in XXXX, XXXX. There were numerous transactions at XXXX, XXXX pharmacies and other retail outlets in the state XXXX, in the city of XXXX, XXXX, and XXXX XXXX. We have never been to this state or cities. I have filed XXXX disputes with the bank and they were denied. Because they claimed that there was film, which they had not shown us. I filed a police report and had my attorney write them a letter to resolve and clear my name of any involvement. They have not contacted my attorney or myself. The bank has now put these charges on my credit and has XXXX credit agencies contacting me regarding the balance. They also closed all my account and will not return any monies. I know if they would have investigated these checks and transactions I would n't have become a victim of a crime and false accusation from this bank. I believe that they are responsible for being irresponsible for not protecting me as a customer and allowing anyone to hack there system to withdraw funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC BANK ALLOWED XXXX TRANSACTIONS TO MY CHECKING ACCOUNT THAT ALSO HAS A DEBIT CARD. THESE TRANSACTIONS WERE COMPLETED BY SOMEONE IN XXXX. I HAVE REQUESTED THE BANK FOR A PRINT OUT TO WHICH IT IS ON FILE. AT THE SAME TIME MY MOTHER KNEW HOW TO FILE A REPORT WITH XXXX SO THAT WAS COMPLETED THIS AM. I DEMANDED THE BANK TO PUT THE FUNDS BACK INTO MY CHECKING ACCOUNT THAT TOTALED {$740.00}. PNC IS ONE OF THE LARGEST BANKS AND TO THINK THAT THEY ARE NOT ON TOP OF THIS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am a teacher by trade and had stopped teaching to take care of my elderly parents who haverecently passed. I had contacted my mortgage company PNC to get a equity loan to survive until I could get back on my feet. PNC stated they do not do equity loans and would need to find another institution to help me. To no avail I could not get loan without a job. I had good credit so I took out a personal loan of XXXX. In XX/XX/XXXX.I contacted PNC again to apply for the HARP loan. I completed all the packet and waited about a month. I was told they did not know I lived in Texas and I was disqualified from the program since I had taken cash out for an AC in XXXX, I then was told about the HAMP, but I needed to be delinquent in my payments so this is MAY now and they needed another packet. School is now out for the summer and I needed to completed another packet.I am now delinquent as they asked. The situation gets worse now I am in foreclosure and today they want XXXX to make 3 months current now. Please Help! This is my home and I plan to stay and live here. I did what they had asked and they are not helping, they are trying to take my home from me. 

Texas

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Stonegate Mortgage representative issued us a pre-approval letter at 5 % down payment for the property we were interested in buying. Once we got the pre-approval letter, we made an offer on the house, came to agreement on the contract, hired an inspector, etc. During the 10 day period, the Stonegate representative left a voicemail saying she was " having to step away for personal reasons '' ( we now know that all XXXX Stonegate branches had closed ), and that she passed on all of our information to a representative with another company without our permission. About three days before our 10 day option period ended, the new representative called us to tell us that with the way our finances were, there was no way we could afford to buy that house we had already spent {$970.00} on ( Inspection fee, Termite inspection fee, and Option period fee ) and that we could not be issued the loan for the house. Another day later ( 2 days before the end of the option period ended ), he called again to say the only way we could buy the house was to put 10 % down instead of 5 % ( our original pre-approval letter from the representative at Stonegate was issued for 5 % down ). We could not afford the 10 % down as that was not part of the original pre-approval letter. If we had known that in advance, we would never have spent/wasted almost {$1000.00} on a house we were n't going to get a loan for, and on a house we should never have gotten a pre-approval letter for.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-10 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Submitted a loan modification package to PNC XXXX XXXX, XXXX. This is a XXXX mortgage and can not be submitted through HLP. I have submitted three different packages to PNC and then on XXXX XXXX, XXXX I was advised I had been sending the wrong package that PNC Bank was not the same as PNC Mortgage. I requested the correct package be sent to me on the same day and now it is XXXX XXXX, XXXX and after 2 additional calls I still do not have a package. I spoke directly to the spoc and requested for a third time. This file has a hearing date coming up this month and the file is not even being reviewed supposedly because the correct loss mit package has n't been submitted

Company response to consumer: Closed with explanation