vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XXXX 2014, we began the refinancing process with PNC Mortgage, the lender that had our mortgage at the time. Our refi was approved but PNC was a little slow to get the closing date set in XXXX, perhaps due to the Holidays. Our PNC Mortgage payment was due XXXX/XXXX/14, and if not received by PNC by XXXX/XXXX/14, a late charge or {$280.00} would be assessed. My PNC Mortgage Banker working on the refi told me that PNC does not charge PNC customers a late fee if they are in the process of refinancing with PNC. He advised me not to pay the XXXX payment as he expected our refinance to close before XXXX. I called Customer Service and was told the same thing : PNC will not charge a late fee to an existing customer who is refinancing with PNC. Since PNC still had not set the closing date, I went ahead and made the usual payment so it would not be late. However apparently PNC documented payment as of XXXX/XXXX/14. When I received the closing documents on the day of the closing,XX/XX/2014, I requested a copy of the PNC Payoff Statement from the title company. It clearly lists a charge of {$280.00} for Unpaid Late Charges. I complained at that time to the Mortgage Banker and the title company but PNC said the closing would have to be postponed to recalculate the documents. If we refused to close until the documents were corrected, PNC said with the Holidays, they were n't sure we could close by XXXX. PNC told me the {$280.00} would be refunded with any excess escrow funds when the title company disbursed their final funds. That did not happen. I have inquired several times, both in writing, and over the phone with PNC Customer Service and the Mortgage Banker who handled our refinance, but PNC will not refund the late charge. Customer Service acknowledges this is their policy : to not charge a late fee to PNC customers refinancing with PNC. However they state they can not do anything now since the loan is paid off. The Mortgage Banker agrees with my complaint, and said he would ask his manager to intervene and request a refund, but he no longer responds to my e-mails checking the status of the refund. I want the refund PNC owes us of {$280.00} for a late charge PNC stated numerous times they would not charge since we were refinancing an existing PNC mortgage loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: FL

Complaint narrative:
Alliance One was notified by the XXXX Clerk of Court of outstanding monies for non-payment of traffic citations I owed. These citations were removed from collections by a County Court Judge. The amount owed for the citations was lowered by 40 % and I was allowed to make payment thru the Clerk 's Office. Unfortunately, I was not aware of this when I made a payment of {$3400.00} to Alliance One via my bank credit card. Alliance One FAILED to verify the amount owe, took the {$3400.00} payment and applied it to SOME of the oustanding citations. Even with the 40 % collection fee, that they were no longer entitled to, this amount was {$2700.00}. I have spoken to numerous representatives and requested my money back. Indicated they failed to verify the monies owed, because if they had they would have known the traffic citations had been removed collections. Even so, they still took more money than required and did not apply the payments. There is an overpayment of {$620.00} that they refuse to return plus the 40 % collection fee they were NO LONGER ENTITLED TO. My attorney called Alliance One to discuss the matter and their position : Write a letter to a XXXX XXXX .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
1. On XX/XX/2016 I made a prepayment of {$1000.00} to cover the XXXX, XXXX, XXXX and partial XXXX payments. On XX/XX/2016 a {$200.00} collection fee was taken out of my prepayment funds without consent and/or notification. That caused my prepayment amount to drop and owe {$24.00} for the month of XXXX. I spoke with a representative who advised that was done against company policy and it would be corrected immediately. However, it has not been corrected and now I owe. 
2. This company is reporting INCORRECTLY to the Credit Bureaus and it 's negatively affecting me. My balance should be {$10.00}, XXXX but is being reported as {$14.00}, XXXX. I 've made several attempts to have this information corrected but to no avail. 
Please see attached documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Avid Acceptance, LLC
State: GA

Complaint narrative:
On XXXX I received a call from XXXX from Avid Acceptance attempting to collect payment for my vehicle. At the time the account was 11 days past due, I advised her I was unable to make a payment at that time. She transferred the call to a male name XXXX, he never disclosed his title he simply advised me I had to make a payment with him because they were closing the books, he stated I was a bad paying customer, I advised I would be able to make a payment the following week on XX/XX/XXXX. He refused to set up the arrangement for the day I requested, he then demanded I make XXXX payments on XXXX, I once again advised him I was only able to make XXXX payment on the XXXX he proceeded by saying you have a few hours before we close the books to come up with {$330.00} & disconnected the call. My payments are due on the XXXX of every month I should n't be forced to pay before my due date because the representative wants to meet his quota. I should not be denied to make a payment, be hung up on, & disrespected! I was not allowed the opportunity to give him the reasons for delinquency. XXXX was very disrespectful, very aggressive I felt pressured bullied by this individual. At no point in time did I raise my voice or used any type of profanity to be mistreated the way he did.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: The Leviton Law Firm, Ltd.
State: FL

Complaint narrative:
Above not accurate, attempted withdrawal from bank acccount. 
I contacted the collection agency ( via Regular MailXXXX, and e-mail ) on XXXX XXXX, XXXX to rescind any and all authorizations to draft checks, withdraw, debit or otherwise remove money from my business account as I would remit payment myself via check each month. Despite my direct notice, the collection company debited my account on XXXX XXXX, XXXX for {$250.00}, overdrawing the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Capital Management Services, LP
State: LA

Complaint narrative:
Was called by them, long story short, I was threatened to have wages garnished, told I had a summons ( which I called and there were none ). Continues to call and leave harassing messages with the business office of the company I work for. Continual harassing calls to my cell phone. This company is engaging in bad and illegal debt practices. These calls to my employer and to me need to stop immediately. They are against the law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: FL

Complaint narrative:
I refinanced my mortgage with another bank XXXX/XXXX/2015 and according to the laws I was to receive my escrow balance returned to me no later than 30 days. I have not received it and due to the fact they did not pay my flood insurance on time ( 30 days late ) now my home owners is due along with my taxes and I just want my escrow money so I can pay them. I am tired of fighting with these people to do the right thing and conduct business in an ethical way.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: VA

Complaint narrative:
Our home flooded when a bathroom sink pipe broke while we were away at XXXX. PennyMac financial has been holding our insurance payment for over {$120000.00} that was long ago paid by our home insurance company. The work is almost entirely completed, and they still have n't sent any initial funds. PennyMac has been passing the papers around internally, re-requesting documents we already sent, missing deadlines, and failing to communicate appropriately. They have less than 20 % loan to value on our property, and yet are still withholding our check where repairs are 90 % complete. Several times they have claimed that checks are on the way, and we find out later they are still not giving honest answers. We call them daily now, and they put a different person on the phone each time, and will not have supervisors call us back. We have paid our XXXX money out of our own pockets for the repairs as he is 90 days into the project. There seems to be no end in sight to their ability to keep deferring things 72 hours, 3-5 days etc, for problems that are all created on their end.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: COMMERCE BANK
State: MO

Complaint narrative:
About two years ago I received a letter from commerce bank saying that I would get a refund from them due to a class action lawsuit that was filed against them. Commerce bank had abusive overdraft practices where they would post the largest transactions to the smallest in order to create a greater number of overdraft fees. I was under the assumption when I received the letter that I would be receiving a check from the class action lawsuit. I have not received any compensation for this. I even sent commerce bank an email requesting information on when I would be able to expect to receive compensation from these unfair and abusive acts by commerce bank. I received a reply from them and they only said to be patient and eventually I would receive compensation. That has been several months now and still have heard nothing about it. I just want to be able to get what is owed to me, and to be able to have someone from commerce bank actually talk to me, rather than just send me an email instructing me to wait patiently with XXXX follow up. I want an explanation to whether I am supposed to get compensation and why I have not received it already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-18 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Capital Management Services, LP
State: OH

Complaint narrative:
Capital Management Services calls multiple times per day, but will not say who they are calling for at my number. When I return the call, they ask for my name and the last XXXX digits of my SSN, but I refuse to give them that information. I will gladly provide my phone number ( since they already have it ), but they can not cross reference a number to a person. They threaten to garnish my wages, but they do n't even know who I am. This can not be a legitimate debt collector.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Hillcrest Davidson & Associates
State: TX

Complaint narrative:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 

Thank you, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: National Credit Adjusters, LLC
State: CA

Complaint narrative:
Contacted by National Credit Adjusters , LLC and verbally told that XXXX XXXX was going to take me to court and sue. Did not tell me the amount, or provide paper verification of the amount of debt. 

I paid {$1500.00} and agreed to pay another {$1500.00} on XXXX XXXX. I have since called my bank to stop payment on the XXXX XXXX charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ACS Education Services
State: PA

Complaint narrative:
I have a student loan owed to ACS ( XXXX XXXX and XXXX ) - around {$2800.00}. I am a XXXX XXXX XXXX at the moment. I have sent School Verification Letter to ASC, however it has been updated to ACS system. I am able to pay back this student loan from XXXX, 2017 when I finish my XXXX ( XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: ACS Education Services
State: KY

Complaint narrative:
This is related to a previous request, Case number : XXXX. 

Based on the success of my previous request. I have requested that my co-borrower be released from my loan. ACS stipulates that I must make 24 consecutive payments for this to occur. However, since my payments were misapplied, ACS is not showing that I meet the stipulation. 

If my payments are adjusted correctly and the overage balances are moved forward, I believe I meet the requirement for the co-borrower to be released. I would like to see a full audit of my account and payments, along with the stipulations of my loan, to have my co-borrower released from the loan. I would also like to know the stipulation of my loan in the event of the death of the co-borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Capital Management Services, LP
State: PA

Complaint narrative:
Capital Management Services has called me over a dozen times saying that they are trying to collect debt from me. I have no known debt what-so-ever and I checked my credit report and I have ZERO debt. Very confused as to why they continually call me. I have not answered and I do not plan to answer until they provide me with a letter or proof of said debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LAND HOME FINANCIAL SERVICES
State: FL

Complaint narrative:
Our problems began with our mortgage company from day one with the deed .My wife 's name has never been on the deed but the company kept saying it was and that they would send us proof. Proof never arrived and we had to pay a lawyer XXXX dollars just to verify that we were correct. 
Next our payment for XXXX of this year was sent out in XXXX but got lost in mail during the massive flooding in Texas ( The payments have always been tracked through priority mail, just as this XXXX was and proof can be furbished ) .To correct the lost payment we sent BOTH XXXX and XXXX payments in XXXX check together with copies of the tracking info and stated that we cancelled the check that got lost in the mail during the weather issues in Texas . When the payment was processed their processing department misprocessed the payment and only payed the XXXX portion and put the XXXX potion toward our escrow. They also made a payment amount error there because our XXXX payment was lower than the increased payment that started in XXXX. We fought with them for days before we finally got someone to actually look at our payments and admit they made the error, they then told us it was our problem to fix. How in the XXXX am I suppose to go to their processing department and fix their mistake? We sent our payment this is not OUR problem to fix, IT IS THEIRS TO FIX. 
Furthermore in the middle of XXXX our XXXX payment, Which we told them in writing was cancelled, arrived. They proceeded to try and cash the check they were informed was cancelled and then have since tried to send our account to collections. They have also charged us unwarranted late fees due to both the error they made processing our XX/XX/XXXX/XX/XX/XXXX payment as well as charged us a late payment for the check that we proved got lost due to weather in XXXX. 
We have all our records and provide proof that our payments are all up to date, including the extra XXXX a month we pay to get our escrow sorted out. We are not sure what you will actually need from us but we will be able to provide any statements and proof of payments needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: KS

Complaint narrative:
Over a year ago, I got hurt at work. I had to have surgery and was out of work for 5-6 weeks. That 's when I fell behind on payments. XXXX XXXX was my mortgage company. It took me 4-5 months for them to finally agree to a payment plan. I was making payments to XXXX XXXX, then they sold my loan to Pennymac, unknowingly to me. I continued to pay XXXX XXXX. After a couple months a rep. for XXXX XXXX informed me of the sale of my loan, and provided me the contact number for Pennymac. I contacted Pennymac, but they had no information on my repayment plan. As of now I am showing delinquent for 6-7 months. Pennymac tried to get me to agree to a repayment plan of {$2000.00} a month. I can not afford that. As of now, I have sent into Pennymac XXXX loan modification packets. The first packet I faxed in 3 times, then I mailed it into Pennymac. They never received it. Which was around XXXX. The second packet I faxed in as well, Pennymac said they received it. It was sent on XX/XX/2015. Every time I called to check the status of it, I was told it is still in for review. 
I received another packet, to fill out, from Pennymac on XX/XX/2015. I called Pennymac asking why I received another packet when I had XXXX in for review. I was told that my packet was missing forms, and it had outdated dates. I was never informed about missing documents or outdated signatures. 
I have now submitted another packet on XX/XX/2015. I have received another phone call from Pennymac, that I 'm missing documents. 
I am currently waiting on Pennymac to send me an email, stating what documents are missing. 
I feel that I am being discriminated against for being delinquent. I feel that Pennymac wants me and my family out of our house. Even though I have sent everything they have asked for multiple times. 
Any and all help would be greatly appreciated. Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: UT

Complaint narrative:
I am trying to get a modification on my loan and finished all three trial payments but when I called to see about getting the final modification they told me I was {$3000.00} behind and that it would be 90 days before I had an answer. I do n't know what to do now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: OH

Complaint narrative:
I am complaining about PennyMac. They refuse to review my documentation for a mortgage solution. I have completed a full borrower 's response package and I am ready to submit. They are taking financials over the phone and only will do a repayment option. Are they confident I calculated my income and expenses correctly? They told me there are no imminent default programs for FHA. I reviewed www.hud.gov and they do offer assistance. FHA does have imminent default programs available. They made the gesture that I must fall delinquent by 3 months in order to get assistance and then only it is not guaranteed. I am currently in Chapter XXXX bankruptcy and they told me that no credit reporting is taking place ( not true ) and no late charges accruing ( not true ). The mortgage is NOT being paid through the bankruptcy plan. They offer no fax number to submit a borrower 's response package. I need help for them to comply. There is no reason to make this go on as I am in good faith trying to get help. The 90 day rule is during or prior to the financial crisis and HUD has changed their guidelines. I need a list of the current documents I need to submit in my situation in Chapter XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ

Complaint narrative:
On XXXX XXXX, I paid my mortgage to Bank of America using my Bank of America phone app ( they way I always make my mortgage payment ). At that point it was XXXX days past due. We 've been struggling to make our mortgage payment and are finally in the process of selling our home. On XXXX XXXX, I received the payment back in my checking account and called Bank of America to discuss it. I was told that since we were now XXXX days past due they were initiating foreclosure on our home and the only option for us was modification at this point. No one would discuss the payment, they would only let us talk to our account representative, XXXX. XXXX, by the way, has been completely professional and empathetic through this process, but there was nothing she could to to resolve our foreclosure issue. Again, we 're in the process of selling the property but since it 's technically in foreclosure, I 'm afraid that pulling a payoff or even discussing the final payoff amount is going to be troublesome.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation