vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I signed up for pnc bank account last year and used it as my direct deposit account and also my tax return. IN that time I sent a check from my bank I use for purchasing and selling online to them to put extra money in that account except I wrote it from an old checkbook which had closed my account. At that point I had a positive balance and it went negative. B4 they even asked me about what was going on they closed my account which my next pay check that week would of covered what was overdrafted and it was a clear mistake on my part and I apologize. I owe the bank XXXX dollars that I would like to pay them in return having my account removed from chexsystem as FRAUD which I have never committed and never plan on committing. I think I received an unfair judgment here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Asset Recovery Group, Inc.
State: OR

Complaint narrative:
in XXXX a judgment was filed against me in XXXX XXXX Case # XXXX for {$12000.00}. Asset Systems has contracted with no less than XXXX attorney agencies to collect on this judgment. In XXXX I had no less than XXXX agencies garnishing my wages. Sometime during XXXX XXXX to date, Asset Systems was paid a total of {$7800.00} of the original debt filed against me in XXXX. Per a statement from XXXX XXXX w/Asset Systems on XXXX/XXXX/XXXX, they dropped the collection on this debt because they could n't not get their garnishment attempt in place because of the other creditors waiting with their Writs. The newest letter I received from XXXX XXXX XXXX, on behalf of Asset Systems has filed a claim that I owe a total of {$11000.00} on the original debt filed, again, back in XXXX under the garnishment case listed above. I have filed a complaint w/the AG 's office for Oregon. I will be filing a dispute w/XXXX on this demand for payment stating that Asset Systems, through previous garnishments have been more than paid for the debt they claimed on me since XXXX. Unfair collection practices is happening and I request that a full investigation be made on this case. I will be requesting from my current and previous employers, copies of all garnishment payments made to agencies under this case number. Once I have this information I will provide this to any agency proving payments made on this case since the date it was first filed.

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 2015-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC Mortgage sent {$1500.00} to an insurance company in XX/XX/XXXX and then sent another payment to another insurance company in XX/XX/XXXX fro {$1300.00} and then another payment in XX/XX/XXXX for {$1400.00}. 

Some one was XXXX paid and they ca n't / wo n't tell me how to get my money back!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Debt collection — Federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Kyle Law Group, P.C.
State: TX

Complaint narrative:
My name is XXXX XXXX. I am trying to get a recorded subordination agreement from the law office Kyle Law Group. This is a judgement lien against my husband, XXXX XXXX, that was filed XXXX/XXXX/XXXX. This was federal student loan judgment. I went through a HAMP re-modification with my mortgage lender XXXX XXXX XXXX XXXX. I successfully completed the terms of the HAMP agreement. I was told by a mortgage representative that in order to receive the final documents, and wipe the slate clean to get back on track with my mortgage I need to take care of the liens and/or judgments that belonged to my husband. I am the only one who is on the original mortgage loan agreement. I receive social security XXXX, my only income. My husband who was working at the time I started the HAMP re-modification process had to have his income included because we needed his income in order to qualify for the HAMP re-modification. We have been paying {$75.00} every month for the last 3 and a half years to the Kyle Law group towards the student loan judgment. This {$75.00} goes toward the interest and not the principal. Even though we are paying as agreed ( the funds are debited from our bank account on the XXXX of every month and we 've never missed a payment ). The law group says that they will not give my mortgage company a recorded subordination agreement. If they do n't do this for me then I will not get approved for permanent modification and could lose our home. This attorney is collecting this debt on behalf of the US Department of education. I wish that my husband 's income did not have to be calculated and therefore, I would not be in this dilemma. I am the original borrower on our mortgage. I do n't fully understand what my right 's are as a borrower. I originally fell behind in my mortgage payments after being diagnosed with XXXX XXXX ( XX/XX/XXXX ) and present. My employer laid me off, so the end result is where I am now. These liens have nothing to do with me. My husband recently submitted a lien complaint to your agency on XXXX XXXX, XXXX. My mortgage company said that this issue must be resolved by XX/XX/XXXX. I would really appreciate any help that you can give.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I had a car loan through PNC and after being talked into making them my primary bank, opened an account with them. On two separate occasions, several months apart, they initiated payments from that account as I was behind on my payment ; but the funds were not available on either occasion and they generated overdraft fees. I choose to no longer keep funds in the account and switched my direct deposit back to XXXX. The account was a requirement for payments on my car loan so I maintained, but they started charging monthly charges which I was not going to pay. Rather than reverting the account to the free account I had initially requested, they charged off the account. While all this was going on I entered my final semester in college and had trouble obtaining my financial aide and was again behind on my payments. They contacted me when I was 2-3 months behind on my payments ; I attempted to inform them that I would make a partial ( half-month ) payment, followed by a repeat of the same in 2 weeks, and a full payment on the next due date to reduce my delinquency. I was told that only a full payment would be accepted and that repossession would be attempted. No resolution was reached. When I received my financial aid a month later I attempted to make my account current. The checking account had been closed and I had no path to make my payments. I called the local branches on multiple occasions, was connected to non-local branches on multiple occasions, went into the local branch, called the auto loan branch and there was no one willing to accept my payments, nor to simply reopen the checking account to let me then post my payment. Just short of two months later the car loan was closed in a defaulted standing. When approached by the auto loan/reclaim department of PNC, I was offered a repayment offer that would give me a lower monthly installment ( & lt ; $ XXXX/month ), which was not much of a shift from the original setup ( $ XXXX/month ... I always made payments of $ XXXX/month ). The intent was to " reboot '' my loan, while not removing any of the default reportings on my credit. So go back to the status quo, but have a far less chance of refinancing with another loaner to get away from those that I now had sour business dealings with. I opted to make no payments and not divulge the location of my vehicle and now 2 years later ( with no payments! ). I approached the bank with a settlement option, {$3600.00} on the $ XXXX+ that was the remaining balance, no interest would be accepted on my part as I did not feel it was fair or in my best interest to include them in the base evaluation. My account has now been reported as paid in full on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC
State: NE

Complaint narrative:
I have had this cell phone number for a year and continue to recieve multiple calls from many different numbers for whom I presume was the previous owner of this phone. Most are recordings, but the few humans with whom I 've spoken always say they will take my name off the list, but no luck.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-04-28 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NV

Complaint narrative:
My sister was murdered on XX/XX/2015. I called PNC mortgage to file a claim on her mortgage insurance. They denied me that right stating they ca n't release privacy information to protect her identity. Since she 's dead there is no identity to protect. I informed them it was illegal to deny me the right to file a claim in a nutshell they said they did n't care.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I placed a Stop Payment on check number XXXX, for the amount of {$2500.00}, on XXXX XXXX, 2016. 
PNC Bank N/A confirmed the Stop Payment on the check, in account XXXX, both on XXXX XXXX, and today 's call. Check XXXX was, nonetheless, paid by PNC bank on XXXX XXXX, 2016. I called PNC to complain and get compensation. I was, at first, refused in my request to speak to the manager in charge. PNC is informed that my mortgage payment is due on XXXX XXXX, 2016, and due harm to me and my family will result due to its error. PNC has admitted its mistake. To date no satisfactory resolution has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FMA Alliance, Ltd.
State: AL

Complaint narrative:
I 'M SICK AND TRIED OF XXXX SHARE MY INFORMATION WITH FMA ALLIANCE ABOUT MY DEBTXXXX DID NOT WANT TO DO WHAT I ASK THEM TO DO FOR ME.AND THEY MISSED UP MY XXXX. FMA ALLIANCE IN XXXX TX NEED TO LEAVE ME AND MY FAMILY ALONE.I DO N'T HAVE XXXX. JUST HAVE XXXX AND XXXX.I WANT TO QUIT CALLING US PLEASE AND THANK YOUR HELP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 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:
Robo calls asking for someone not me. As instructed I press XXXX to indicate I am not the person they want but the calls continue several times a week. They say to call XXXX XXXX at XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A.
State: NE

Complaint narrative:
I have XXXX auto loan company 's that I want to dispute on my credit, XXXX was thru pnc bank the money was wired and I have the reciept they are showing not paid still and another thru XXXX I paid my loan off and they closed the business but did n't remove it off my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 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:
I made a deposit to my account at XXXX and my transaction posted at XXXX. I called the bank and was informed that they start processing at XXXX. I have never received any documentation stating that the cutoff time is XXXX I asked if the they could reverse the charges since they could see the deposit at XXXX and the answer was no.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
Waiting on loan modification ( Lost medigation ) the mortgage company PNC told us to disregard letter from lawyer with a sale date of XXXX/XXXX/XXXX to wait until all paper work as been done. As of XXXX/XXXX/XXXX our home was put on auction for sale with us knowing nothing about the sale. Just stumbling across it on the internet. We called them that evening and the person we spoke with told us to talking with the lawyer handling it. Has we called on XXXX/XXXX/XXXX we were told they knew nothing about the sale of the home and to contact PNC again. We did just that and we are still getting the run around. We were never told of the sale nor was the sale of our home posted in the local paper. We are being told there is nothing we can do to save our home. But it looks like to us the XXXX different people we have talked give us different stories of what is going on. We sent all paper work as instructed to do. And where waiting on them for answer which we never received.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA
State: NJ

Complaint narrative:
I took out federal student loans such as direct unsubsized, direct sub stafford loan, federal plus loan, direct unsubsized consolation loan to attend the XXXX online. I also cosigned a direct parent plus loan for my daughter to attend the art institute and institute of audio research. I consolidated the loans with the intention, of attaining lower affordable payments. My loan is with Fedloan Services with the U.S. Department of Education. Fedloan informed I am only eligible for the income-contingent repayment with monthly payments of {$1700.00} per month. I explained to them the payments are too high and my husband was not working at the time. When I asked them to recalculate my monthly payments they reduced to only {$700.00} which is my whole paycheck. I explained to them that I have other bills to pay. Again I tried to negotiate a lower payment, but the servicer wo n't negotiate. I have been paying what I can, but I still can not reduce any of the principal on the loan due to the interest compiling everyday. Currently, I am in forbearance because the payment amount is unbearable. I appreciate you assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-20 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:
They call several times a week asking for XXXX XXXX XXXX and to call XXXX XXXX at XXXX. The call comes in from XXXX. States to press XXXX and disregard if I am not him. That does not work they still call several times a week. Online states it Alliance One collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
This collection company is continuing their collection activity on this account on my credit report. I feel they did not validate this account or debt per my request that I sent them in the mail previously. They have not provided signed proof that I incurred this debt, an itemization of the debt and a copy of the underlying account statement and other written validation and explanation of the debt. 

Being that they failed to provide it, this is a clear violation of FDCPA. Proper validation consists of copies of some type of current creditor records, not records which only verify that the collector believes an account is valid. 

They are also violating the Fair Credit Reporting Act ( FCRA ) by reporting inaccurate information on my credit report : Account Number : XXXX Balance : {$1200.00} Original Creditor : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMA Alliance, Ltd.
State: TN

Complaint narrative:
Company keeps hounding me for info about my son. He is XXXX yr. old and has been gone from home over XXXX yr. He lives more than XXXX miles from me. I am not giving info about him to some rude dude over the phone. Told them SEVERAL times, I am on the DO NOT CALL registry. Please help The callers are from FM Alliance.out of Texas.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: TX

Complaint narrative:
I have tried 3 times to get someone to assist me with my questions and concerns with my escrow account. Stearns Lending LLC has failed with my email request as well as my phone conversation that I 've attempted twice. Customer service gives me the run around and states that the information about my escrow account can be found on their website. I want to have my escrow account reanalyzed for the current year, as i feel there is a significant overage. Ive attempted this request three times with no response or resolution.

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 2017-01-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My husband passed away 18 months ago. I applied for hardship on the mortgage due to a drop in income ( it was approved by PNC ). My payment is due on the XXXX. I pay it on the XXXX, in person because that 's when Social Security comes in. I get call from their collectors on the XXXX, XXXX or XXXX saying I 'm late and that they will foreclose on me. It 's always paid by the XXXX and never in a default stage. I 'm XXXX and I think this is harassment. 
They even call on the XXXX after I made the payment on the XXXX. They do n't check!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 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:
On this account I made my request for validation, which I have not received response by the corresponding processes, if the agency does not have the necessary documents to prove I m obligation on it shod be removed from my credit reports under FDCPA 15 USC 1692g Sec. 809 ( b ) can not keep unverifiable data in credit bureaus, also they violate the FCRA Law passed 1970 I request 1- What the money you say I owe is for 2- Explain and show me how you calculated what you say I owe 3- Provide me copies of any papers that show agreed to pay what you say I owe 4- Provide verification or copy of any judgment if applicable 5- Identify the original creditor 6- Prove me the statute of limitation has not expired on this account 7- Show me that you are licensed to collect in my state 8- Provide me with your license numbers and registered agent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
Pnc bank will not accept my legal Durable power of attorney. I submitted all the appropriate documents and their legal department stills refuses to accept it. I even submitted my father 's death certificate because he was first on the Durable power of Attorney. I have gone to the bank 3 times and each time they refuse. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: TX

Complaint narrative:
My suspicion is that there is a deliberate scheme by Stonegate Mortgage of intentionally reducing mortgage payments to starve clients escrow accounts thereafter essentially guaranteeing a high probability of refinancing, hence refinance fees and charges. My case is as follows. 
1 ) Original payment from XXXX XXXX was set up at {$1600.00}. This payment would cover your Principal & Interest, Hazard Insurance, Mortgage Insurance and Property Taxes as were estimated at time of purchase. 
2 ) Stonegate changed ( reduced ) my monthly payment ( intentionally? ) and now I have a problem : ESCROW SHORTAGE of {$5200.00} 3 ) Stonegate is thereby increasing my escrow XXXX % and my total monthly payment XXXX %. 
4 ) Essentially forcing to consider refinancing.

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 2016-12-15 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: CAVALRY INVESTMENTS, LLC
State: WV

Complaint narrative:
I was called XXXX 3 times on my cell phone in 1 day, received XXXX call at work in which the gentleman was very rude to my receptionist and tried to say his call was " very urgent '' as well as calling my fiance 's cell phone all in the same day.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I was not made aware of this debt from XXXX Check N Go until I received an alert on XXXX that my credit had been adversely affected. This is NOT my debt. I did not take out this loan. I believe it was my either my mother or ex husband XXXX XXXX, who at the time was still my husband and was privy to all my information to apply for this loan online. I have asked the collection agency to provide documents with a hand written signature to show, as I am certain I did not apply for the debt in the amount of {$6100.00} XXXX XXXX Check N Go. They have not responded to my requests to provide documented evidence regarding the owner of the debt. An electronic signature is insufficient to prove it is my debt as my then husband and I had joint accounts, used the same computer, and thus would have the same IP address.

Company response to consumer: Closed with explanation