vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-30 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Hi my name is XXXX XXXX and I 'm contacting you concerning my PNC car loan for 2008 XXXX i paid the balance off which came from my XXXX which was XXXX in a check form which did clear my bank cause the first two times the numbers we 're entered inccorectly so i sent a check but they still has i owe them so i want this cleared up i have never been late on any payments until 3 months ago and always paid a little more then i fell behind and they meaning PNC had no compassion so went into my XXXX and paid it off now want my full credit

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC pulled another stunt today on XX/XX/2016. 
They tried to put some outstanding checks through before my direct deposit went through. 
The direct deposit was in the account at XXXX on XX/XX/2016, it was for {$570.00}. 
They charged me XXXX overdraft fees of {$36.00} each!! 
I had a positive balance at XXXX on XX/XX/XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
My mortgage servicer, PNC Mortgage, sent me a series of letters notifying me that my flood insurance coverage was inadequate. Dating back to XX/XX/2015, I have called PNC XXXX times to straighten this issue out. I have had my agent, XXXX, arrange to send flood declaration pages at least XXXX times, ( dating back to XXXX XXXX, 2015 ) showing adequate coverage, which must be at least as much as my home owner 's coverage ( see attached documentation ). During the XXXX phone call ( XX/XX/2015 ), I was assured the problem would be taken care of and, I was promised a return call to let me know that the issue was resolved. I did n't receive a phone call, and instead on XXXX XXXX, PNC charged me {$140.00} for gap insurance that I do n't need. The only notification I received was a copy of the force-place policy in the mail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
my loan required a PMI. By law, the PMI is to automatically terminate on the date the principal balance is first scheduled to reach XXXX % ( ltv ) of the original loan of the property. As of XX/XX/XXXX, my ltv is XXXX %. However, according to my mortgage company, the pmi will not be terminated until XX/XX/XXXX because that was the scheduled date the ltv was to reach XXXX % by the original amortization. The reason the ltv is now XXXX % is because we made XXXX extra payments on our mortgage and we feel that we are now being penalized for extra payments. Our loan was orignally with another company but was sold to the current company in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc.
State: GA

Complaint narrative:
I got a letter from RCS on the XXXX/XXXX/2015. XXXX what their service did was n't fraud, but identity theft. I have file a complaint with the attorney general of texas. The lady at the attorney general office. stated to me, that I needed to file for identity theft not fraud. She also stated that I need to forget about getting my money back, she said that 's gone. I know she would n't like it if some one are these companies cheat her out of your her money. Yes! '' I did send the attorney general of texas. The contracts and the release form. Yes '' XXXX XXXX and RCS committed fraud. Not one of these companies could tell me who was the lien holder are the not holder. The reason is there 's not one. Because I do n't owe any one any thing.I will send the contract to your service in a coulpe of days.

Company response to consumer: Closed
Consumer complaint received 2015-04-28 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I had an identity theft and provided the police report and id theft package ( we now knew who did this via the FBI contacting me ) via fax last night they claimed they never received it previously. I called to day to verify if XXXX received it, she told me she had, She said she had competed her investigation and had determined I owed the debt and that if I did not pay by credit card right now she would have me arrest and thrown in jail. I told her it was illegal for her to to try to collect a debt a debt I do n't owe and to say she would have me arrest and I demanded she provide me the method and results of her investigation in writing, she refused and finally put the owner of the company on the phone. The woman said she was XXXX and refused to give me her last name. She also said she had reviewed the account and has concluded I owed the money she also demanded payment of these debts I do now owe, I told her she was breaking the law telling me she was going to sue me, she is refusing to show the method and findings of an investigation concluded in less than 10 hrs after receiving the ID theft and police report. I plan on hiring an attorney to sue these people and need your help in obtaining their names etc so I can file a complaint against them in federal court. I have just received a very large inheritance and I now have the money to hire an attorney. XXXX of the acts is XXXX XXXX XXXX XXXX XXXX XXXX ER XXXX XXXX XXXX XXXX I I have spoken to him he has never treated me

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: CA

Complaint narrative:
Victim of Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: OH

Complaint narrative:
I have had a loan with Bridgecrest formerly XXXX XXXX Since XXXX, and a lease prior to that. I got behind in my payments due to my husband being hospitalized. I was reached out to by Bridgecrest by XXXX XXXX ( I have emails attached ) stating that she could help me get back on track, and I needed to make a payment by the XXXX of XXXX. I emailed her back stating that would be wonderful and made the payment as directed. I received another email from XXXX at Bridgecrest saying they had not heard from me and I owed a past due balance. I called Bridgecrest a total of 8x now for XXXX XXXX who said she would have the agreement finalized by today XXXX/XXXX/XXXX. I reached out to her again a hour ago and was told she would call me back within ten minutes. I have done what was requested of me and now am getting the run around. I just wish that Bridgecrest would tell the same story twice and be accessible. This is the not the first time I have had issues with this company.

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 2015-09-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Last year, I was experiencing some financial difficulties paying my mortgage with PNC due to job layoff. An attorney contact me from California stating he could assist me in getting my home refinanced at a lower mortgage rate under the HAMP program which did not occur. Instead, I was given an extension on my loan to pay it out for a longer duration under HAMP. Up until this time, I had NEVER been late on my mortgage. Since then, I have been harassed by the PNC collection department, every month that roles around about paying my loan which is not late. I pay my loan every month and it is not late. Last year, I was harassed daily 7-8 times each day by their collections department and it affected my health. I do not know how to get this stopped, but there must be some law in effect that would be helpful to me. I know I am not the only person experiencing this treatment, as I have spoken to others who are also PNC mortgage holders contacted by the same lawyer who called me about the HAMP program. If I am not LATE on my mortgage with PNC, then I should not get calls. It is just unnecessary harassment and stress that I do not want or need in my life and want it stopped!!! Hands down PNC BANK is the WORST mortgage company I have ever dealt with and I have owned several homes in my life. No one should be subjected to this kind of treatment! It is in human and they need to be held accountable!

Company response to consumer: Closed
Consumer complaint received 2016-01-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: TX

Complaint narrative:
My loan servicer was transferred effective XXXX XXXX from XXXX ( Sterns Lending ) to XXXX. I never received notice of this transfer ; I therefore logged on to the original servicers website on XXXX XXXX and made a payment. I received an e-mail confirmation of acceptance for that payment. On XXXX XXXX, 2016 when the money had not been debited from my checking account I called to follow-up. It was at this point that I was made aware that my loan servicing was transferred as I never received the paperwork in the mail. There was NOTHING on the website notifying me of the loan transfer and I was allowed to submit a payment on XXXX XXXX, 2016, the date of the transfer. The individual I spoke to said that they would transfer my payment to the new servicer within 10 days. At this point I call the new loan servicer, XXXX, and via automated message on XXXX XXXX am notified that they do not have my loan information. I waited for more than 10 days and still no payment debited from my checking account. Additionally, the new loan service had called twice asking me why I had not made my payment for XXXX. On XXXX XXXX I again call the original mortgage servicer. On this call I am told that no, they will not be debiting my checking account for the payment even though I received a payment confirmation. Per the CFPB, the servicer should either transfer the payment to the transferee servicer for application to a borrower 's mortgage loan account, or return the payment to the person that made the payment and notify such person of the proper recipient of the payment. In my opinion neither of these actions occurred as the original servicer never once notified me that my payment was in fact not accepted ( although I received an electronic confirmation of acceptance ) and thus due to the non-acceptance needed to make my payment to the new company. Only though my own continued calling was the correct information eventually provided.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: TX

Complaint narrative:
I have been paying on my student loan for 7 years now. About a year ago I had spent 2 hours on the phone with a employee to get my payment down. He came up with a plan which I could afford. The next month I got an email saying that my payment was not paid. I was on auto payments. So I called and was told that the information that was given to me about how much I would be paying was incorrect and the gentleman I had talked to " did not know what he was doing '' I then talked with a supervisor that was so completly rude. He told me that he could not get my payments that low and I was crazy thinking that he could. He then told me that I better accept his offer or he was going to hang up on me and not help me at all. I was in tears as to how he was treating me. He was so incredibly rude and unprofessional. I was XXXX at the time and was about to be a full time XXXX. Which is what I am now. I do still continue to pay my loan at {$270.00} a month. I just needed to share this terrible experience and I wish I could remember his name to this day or wish I would have called and complained at the time, but unfortunately I was tired of spending so much time on the phone with this company. I hope that things will improve with Navient and they will have supervisiors that are more professional. Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP
State: CA

Complaint narrative:
I paid off the first mortgage loan on XXXX/XXXX/16 to US Bank Home Mortgage. I am owed escrow actual funds in the amount of {$1500.00}. I have contacted the bank on several occasions without any success. The staff states that a check was sent to us and it was returned to them as undeliverable. We did not received a check. Then the staff states that they need approval from XXXX to reissue another check. To date, he has not responded to his staff emails.

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 2017-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have 2 issues with BBVA Compass Bank. 1 ) They failed to pay my homeowners insurance in a timely matter. Insurance was due XX/XX/XXXX and not paid until XX/XX/XXXX.We advised BBVA Compass the first payment was not received. Upon receipt of the copy, they did not include any identifying information. After 3 weeks of dispute, BBVA Compass finally issued a 2nd payment on XX/XX/XXXX. We were being held responsible for the 2nd payment. 2 ) After being told not to worry about a hit on my credit if the XXXX payment was received on XX/XX/XXXX, I took a hit on my credit. My wife and I were told as long as we closed by XX/XX/XXXX, XXXX Mortgage could not mark our credit. We were told we had 45-60 days to get the payment to them without penalty. XXXX gave me this information. XXXX Mortgage did mark our credit as a late payment for both XXXX and XXXX. I called XXXX Mortgage on XX/XX/XXXX with no response. After making attempts through the credit bureaus, as instructed by BBVA Compass - XXXX - and being denied, we again went to BBVA Compass and requested a letter after finally hearing from XXXX of XXXX Mortgage on XX/XX/XXXX. XXXX now does not recall saying anything about closing by XX/XX/XXXX but does admit that we were told XXXX Mortgage could not, by law, mark our credit for 45-60 days. He " recalls '' that another coworker, XXXX, told us this. Totally untrue. It was 100 % XXXX that told us both pieces of information. We requested a letter XX/XX/XXXX from BBVA Compass via XXXX. Indications were it would not be an issue. We received the letter on XX/XX/XXXX. In the letter, BBVA Compass put the blame back on us in the letter. We sent the letter to XXXX of XXXX Mortgage to see if the late payment would be removed. On XX/XX/XXXX, XXXX Mortgage denied making changes due to the information in the letter from BBVA Compass. A change to the letter was denied by XX/XX/XXXX and they have not given reason as to why. Information provided by XX/XX/XXXX was, as we have now been told by BBVA Compass, was incorrect. We acted on that information. BBVA Compass is now denying that information was given to us even though it was admitted that we were told XXXX Mortgage could not mark our credit. WE WANT THIS REMOVED FROM OUR CREDIT!! We have no other late payments. We create a bill, we pay our bill. BBVA Compass has a responsibility due to misleading practices and negligent supervision for XXXX. I have requested contact from the CEO as well. We are going on 10 days with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
I discovered my identity had been stolen. I added a fraud alert and requested my credit report from Equifax on XXXX/XXXX/15 online. I never received it. I attempted again via XXXX to request my credit report from Equifax on XXXX, but a prompt appeared advising me that I had to request my report in writting along with identifying documents. I sent immediately, but have not received my free credit report as of this date. I really need my report because I found some items on the other XXXX credit reports that did not belong to me - I believe to be fraud. Its virtually impossible to get through the voicemail hell to get a live person on the phone so this is my last option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
XX/XX/XXXX I took a mortgage with XXXX XXXX who had LoanCare processing the payments. Then, XXXX 's XXXX sold my mortgage to LoanCare. I have had nothing but problems with LoanCare. They have never been able to process my payments in a timely fashion. Or, they misplace my payments or my payment just happens to be sitting on someone 's desk. When they do process my payment on time.They always are calling on the XXXX of the month to tell me I am late. They never post the payments on my statements when they finally do process the payments on time. For example ; I had my XXXX XXXX payment posted on XXXX XXXX per what the phone stated and when the check went through my checking account. But, on my statement on XXXX XXXX, XXXX it does n't show that I paid. The due date states XXXX XXXX, XXXX and it is even double the amount. Every time I call they take forever to answer and when do the people are rude, they hang up on you, and do n't have a clue on what they are talking about. They tell me I need to send my payment to another address. This has been has been the issue every single month that I have paid my mortgage. They are also using several different names other then LoanCare. I think that someone needs to go in and shut them down our show how to process payments. Their staff is horrible. I will be actively looking for a new place to pay my mortgage. I truly believe this company if frauding the system and keeps switching names so you guys do n't go after them. I was just on the hold for over a hour and still know on answered. I had to call back. They are telling me my payment is late even when I mailed it on XXXX XXXX, XXXX and they have n't received it yet. My credit is being ruined by them. Please shut this company down!

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 2015-05-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: NJ

Complaint narrative:
This debt is for an emergency room visit for an infant that I was babysitting at the time he became ill. He is not my child, I have never had custody or guardianship over this child and this company continue to try and collect this debt from me. This account is impacting my credit score and my ability to obtain a mortgage loan and it is not mine. I have provided this company with the names of the child 's parents and they still associate me with this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
1. Besides few disputed medical claim items, we had paid the {$320.00} at XXXX ( receive the bill statement at XXXX ) to the XXXX XXXX XXXX which had withdrew the money at XXXX. 
2. The XXXX XXXX XXXX had rushed the bill to the collection agency within two weeks. Earlier XXXX, we had called the XXXX XXXX XXXX to understand the bill statement, but its agent said the bill had been send to collection agency without bothering answer any question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Vengroff Williams, Inc
State: LA

Complaint narrative:
I received a notice from a collection agency ( Vengroff Williams ) and am contacting you because I do not owe this debt. This was settled with XXXX back in XX/XX/XXXX. I picked up the trailer in XXXX for a XXXX way trip to XXXX. When I went to turn the trailer in at the XXXX location, the place was closed. I then called the XXXX number and was told just to drop it off. They would take care of it on their next business day. XXXX charged my credit card and then refunded the amount after I called them explaining what happened. I called the collection agency when I received the first notice. Today ( XX/XX/XXXX ) I received a XXXX notice for VW. I did submit a dispute to XXXX today as well. Also, I do not have any paperwork from XXXX on this because it is from XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a credit balance of {$46.00} with BBVA Compass bank on a closed credit card. I have been into a branch 3 times, first in XX/XX/XXXX, in order to try to obtain the balance and they have made broken promises each time that a check would be on the way. It has now been 3 months and they have not paid me the money I am owed.

Company response to consumer: Closed with explanation