vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I recently went thru a loan modification with Stonegate mortgage company. The payments increased, almost XXXX a month. Which I told my servicer this he said I could do a short sale. I signed the paperwork because I wanted to keep my house. This process took months, so by the time I finished with it I was drained mentally. The stress was to much and not to mention my loan processor XXXX, was useless. I would call XXXX or times a week and get no return phone calls. So after I signed this new paperwork, thinking my payment was XXXX from XXXX, I received a phone call saying Your payment now is going to be XXXX we are adding the back escrow in and need you to pay it off. So that puts me at XXXX a month. I once again told them I can not afford this, so they said okay will split it up for 24 months so your payment is XXXX I feel this was totally misrepresented by Stonegate Mortgage. There was no mention of this happening when I signed the loan modification paperwork. Here I sit again behind on my mortgage again. I can not afford to hire a lawyer to help me with this. I talked to HUD, they said a complaint needs to be filed there should be protection for future customers. This loan is a USDA loan in which I contacted them but they could not help me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: CA

Complaint narrative:
XX/XX/XXXX California implemented an amnesty program which allowed people XXXX-XXXX % off of their current balance with the court systems collection department ( Alliance One ) in order to get people back their licenses. I had XXXX accounts equaling just under {$3000.00}. The amnesty was granted and I paid the balance. I also paid the fees to DMV to reinstate my license and I thought it was all taken care of. 

XX/XX/XXXX my husband and I filed our taxes. We were due a state refund of approximately {$800.00}. While checking the status I received a message that said the California Franchise Tax Board had intercepted my refund and I would not be getting any of it back. 

This is extremely frustrating as the original ticket was a fix it, costing nothing. This is extremely frustrating as the bill had to paid in full before I could get my drivers license back. This is extremely frustrating that my family is struggling financially and I am still being penalized for a paid debt. From the government no less! 

I spoke with the FTB and they said they could not do anything. I spoke with XXXX XXXX some low level manager at Alliance One and he said I would get the refund about a month after they received notice from XXXX XXXX County which would take at least six weeks. Maybe. So a tax refund that was due in XX/XX/<YYYY> I will not get until after XX/XX/XXXX. 

So now I am waiting. For what I do not know. I do not have any faith in Alliance One as far as keeping their word, or being knowledgeable in any capacity. Basically, I am being victimized by the system. Everything is run by an automated system. Every one is pointing the finger and shifting blame to where they are trying to convince me, that no one is responsible or accountable for this grievous error. 

There needs to be a better system in place. Somebody needs a corrective action of some type. This is not okay. Please look into it. Thank you so much. My family and I appreciate your time and effort on our behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 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: Alliance One, Inc.
State: NY

Complaint narrative:
I received my XXXX credit report and saw XXXX different negative items reported by this firm. I have never received any notice from them in regard to this debt and from what it reads on the credit report. It is from XXXX XXXX traffic tickets which I are not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Direct Recovery Services, LLC
State: OR

Complaint narrative:
I received an email that told me that Direct Recovery. Org is intending to sue me for an alleged debt from XXXX, a company I have never heard of. I welcome a day in court, Where I live. I called and ask for them to send me verification in the mail and was refused! The email list 's an address in XXXX Ca. I have not lived in near XXXX Ca. since 2008.I am afraid that I will be sued without proper notice in a state where I do not live. Any debt incurred in XXXX ca. would be beyond any statutes of limitations, both criminal and civil actions, UNLESS i am not notified of any hearing, then a judgement is possible to obtain illegally.

Company response to consumer: Closed
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I deposited a check into my account on XXXX/XXXX/15, and the bank charged me {$140.00} in overdraft fees for activity that occured that day. The banks ledger has it stated that they processed the check prior to sending out any payments, yet they charged me {$140.00} in overdraft. I contacted the bank and they are refusing to refund my money and to stand behind their own ledger, stating that they did not process the check before they sent the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 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:
We agreed on a monthly payment plan of {$400.00} a month for my outstanding medical bills from a hospital visit. After three monthly payments that were all made as agreed and on time I was able to get payment from my health insurance company and paid off over {$4900.00} in one month. They then attempted to collect the remaining {$260.00} the next month and said that I was late paying. I said does n't the {$4900.00} payment mean I 'm months ahead of schedule and she was rude and said it does n't work like that. This is not the original agreement at all, I 've paid well over {$400.00} a month and am close to paying off the entire amount a year early! I do not like being threatened to go to court or have my wages docked after making a payment of almost {$5000.00}! These people should be struck off. To add insult to injury NONE of this was my fault but the fault of my health insurer messing up with the billing. They gladly admitted this and cut a cheque as soon as it was pointed out.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Every month I get XXXX10 calls a day from my mortgage company PNC Mortgage. Whether I pay the bill on the first or the XXXX ( last day to pay ). They go into my account and withdraw money with out my consent. They are very rude when I talk to them. They call as early as XXXX and as late as XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I have no clue why I owe money to this medical company and debt collector. If i do, I have no clue how to pay it off because I do n't know where it came from. If you could help me dispute this or at least help me find a way to pay it off so I can finally get it off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I received an email yesterday from my homeowners insurance company ( XXXX XXXX XXXX XXXX ) ; stating that there had been changes made on my policy. I then emailed my agent requesting whom had made changes and that I had not given anyone authorization/permission to change anything on my existing policy. My agent emailed me back and stated that PNC Mortgage, had requested that all bills be submitted to they for payment. HOW DARE PNC MORTGAGE MAKE THIS REQUEST WITHOUT. MY AUTHORIZATION. This is my homeowners policy that I opened and was paying on. XXXX can verify that I was paying my payments timely. Last year PNC Mortgage was charging me for their insurance coverage when I had XXXX and I was never refunded. PNC Mortage has taken my mortgage payments and applied them to my insurance ; then I would receive letters stating that my escrow account had a shortage ; then interest and fees were applied when I have receipts showing that my mortgage payments were timely. Then PNC would report my payments as late and send a report to the credit bureaus. I have lived in my home for 21 years and NEVER have my previous mortgage holders ( XXXX XXXX ), have ever tried to control my homeowners policy. XXXX XXXX would only request a copy of my declaration page to show that I had coverage. I an tired of PNC Mortgage doing whatever they want to my mortgage account and I want them to STOP!! PNC Mortgage treats me as if I have 'NO RIGHTS! ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: MN

Complaint narrative:
My mortgage company ( Stearns Lending ) have n't paid the property taxes that is owed to XXXX XXXX in XXXX ( that 's when they were due ) - of course they have escrowed more than enough money to cover property taxes & insurance. As a matter of fact - the escrow has gone up & I think this may be the reason why ( paying all the fees & penalties of late payment to XXXX XXXX ). I talked to XXXX XXXX and they said my name will hit the paper soon. We 've made several calls to our lending company for months & getting nowhere! I need to figure out what the next step to take here.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and XXXX, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when PNC Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and XXXX indicated that PNC made this report but PNC denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
CHECK N GO IS IN VIOLATION OF STATE COMPLIANCE LAWS AS WELL AS REALTIME RESOLUTIONS, FAIRWAY CAPITAL IN VIOLATION OF FCRA, FDCPA, TCPA ETC..TRADELINE SOLD TRANSFERRED. CHECK N GO LOST TRADELINE RIGHTS..

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
XXXX XXXX XXXX is reporting to the credit reporting agencies on a previously settled/paid debt with a different collection agency. XXXX XXXX XXXX ( XXXX ) is claiming to have an installment loan I previously had with Check n Go. This installment loan was previously sold to a different collection agency ; XXXX. XXXX XXXX XXXX is claiming to have said loan when the loan they are claiming to have was already collected and settled between XXXX and me. I settled with and completed payment in XXXX XXXX. A settlement was negotiated with XXXX in XXXX by XXXX ( XXXX ) and myself.. the first XXXX payments were made as follows by XXXX with the remaining made directly to them by me as the was a disconnect between the agencies. The total settlement changed from {$2000.00} to {$22000.00} due to the mix up in payments. 

XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$150.00} XXXX/XXXX/XXXX {$1000.00} XXXX/XXXX/XXXX {$500.00} XXXX/XXXX/XXXX {$450.00} I received a settlement agreement letter from XXXX dated XXXX/XXXX/XXXX for a total settlement of {$2200.00}. XXXX has no right claiming or reporting that I owe them, I have paid this debt and will not pay again on an invalid claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: LA

Complaint narrative:
Ditech switched over their computer system in XXXX 2016, which caused account numbers to change and Ditech actually delayed cashing of checks used for mortgage payments. It took close to 5 months for Ditech to straighten this out. Ditech had my account ending in XXXX ( I have XXXX accounts ) as being paid more than 30 days late in XXXX 2016, despite the fact that I actually send my payment on time every month. I have proof of this. In XXXX 2016, Ditech was still trying to correct their error when they retroactively backed out my payment that was made 3 weeks earlier and put it in escrow, therefore throwing the account in default and in the collections department. I am now in the process of refinancing several mortgages and am having difficulty with this late payment showing up on my credit report. I actually disputed with the credit bureaus, but Ditech has so far refused to correct the erroneous late payment listed. This will cost me tens of thousands of dollars more due to high interest rates because of this error by Ditech. I filed several complaints with the Consumer Financial Bureau, so this situation is well documented.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MS

Complaint narrative:
On Saturday morning, XX/XX/2016 at around XXXX or XXXX I received a call form a caller ( Ph # XXXX ) asking me if I was at my home computer. Once I got to my computer the caller was in my system informing me that I was being hacked by various hackers and showing me a number of errors. He asked if I could see what he was talking about. Once I confirmed, he then offered me computer help ( XXXX XXXX XXXX ) with offers as follows : 3 Years- {$190.00}, 5 Years- {$260.00} and Lifetime- {$290.00}. I opted for the lifetime and paid with my Visa creditcard while online. The caller than screen printed for me a copy of the computer help page with the following POC. XXXX XXXX, XXXX XXXX XXXX FL PH # XXXX XXXX or XXXX and a security code-XXXX. And, invoice for the {$290.00} charge. XXXX XXXX XXXX XXXX XXXX XXXX & Support email : XXXXXXXXXXXX dated XX/XX/2016. He instructed me to reboot and start using the computer after 2 hours which would be after he had finished upgrading the system with the new security software. 
Later that even at around XXXX or XXXX a XXXX caller ( XXXX Ph # XXXX ) called and told me that the first caller had made a mistake and that he was going to refund me my money and provide the services to me for free from six months. But, for him to do that he would need to do a bank to bank transfer of the funds and for me to go to my computer. When I did the caller was in my system, and also in my XXXX XXXX accounts showing me where he had credited to my account the {$290.00} but had also credited an additional {$3000.00} by mistake and printed me a screen copy of the statement showing a total balance of {$6300.00}. He said for him to fix this problem and come out of my computer system I would need to return to him his {$3000.00} via MoneyGram ( Ref # XXXX, dated : XX/XX/2016 ) through XXXX to a XXXX XXXX in XXXX. If not he would XXXX out my account all together. I went to the XXXX in XXXX and completed a transaction in the amount of {$2400.00} plus an {$18.00} charge for a debit total of {$2400.00} from my checking account. 
When my wife and I returned home later I used her iPad to log into the account and upon doing so I realized the called had transferred the {$290.00} plus an addition {$500.00} for our savings account into our checking account to cover the MoneyGram as listed above. At no time did I have access to my home computer while the caller was in the system and on the phone. I was only able to view the screen shots that the caller provided. 

XXXX END OF STATEMENT XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: MA

Complaint narrative:
I paid my minimum payment of {$51.00} on time to Chase bank on XXXX XXXX, 2016. I almost immediately received an email confirming my payment. On XXXX XXXX I received an alert from Chase that my payment had not been received and I was assessed a {$25.00} late fee. I immediately called and spoke to a rep who told me there was an issue with the system and to give it some time and the payment should process and the late fee should be reversed. Eventually within a day or so the payment was acknowledged and the fee was reversed. However, at or around the XXXX or XXXX an additional payment of {$51.00} was deducted from my checking account. There was not enough money to cover this second deduction and my bank charged me a {$35.00} overdraft fee. I am 100 % certain that I did not log in and make that additional payment, but they are insisting that I did and are refusing to cover the overdraft fee. Like I stated earlier, the first thing I did after receiving the initial warning that my payment had not been received was call them and I was told that they were experiencing issues and I was assured the payment would eventually clear. I would never risk making an additional payment of {$51.00} before contacting the bank because the money was simply not in there and I know these glitches can happen. Furthermore I explained to them that even if I did personally make that second payment I would have been justified considering I received a warning stating my payment had n't been received along with the late fee. Either explanation is n't getting me anywhere and I 've spent close to an hour on the phone with reps. I 've been told twice that the issue would require the assistance of a supervisor of sorts and that it could take up to 3-7 days to be contacted by one. At one point my checking account was negative {$75.00} with other bills upcoming. Luckily I had a family member who was willing to help me out being that I am currently unemployed. I feel it is extremely coincidental that the one time that Chase happens to be having payment issues I somehow mistakenly make a double payment. It is much more likely that the error ties into whatever issues they were having and the payment was registered twice. I am extremely insulted because I am being called a liar and being told I did something I know I did not do which was log in and make a second payment. Finally, I have lost confidence and trust with Chase because I feel that they are unwilling to acknowledge an error was made on their end.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-17 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Finance System of Toledo, Inc.
State: FL

Complaint narrative:
This is a formal notification that the debt you are reporting is disputed and is not a refusal to pay. Please send me a validation of this debt as soon as possible. 

Under the FDCPA you must send valid proof that these monies are owed by me. DO NOT send a simple printout showing my name and a dollar amount. You are expected to forward the following : 1 ) Proof that your company has the right to collect the debt, such as a signed contract between collection agency and the original creditor, stating that this account has been purchased by your company, or a copy of the original invoice from the original creditor that states that this specific debt is the one your company has purchased from the original creditor 2 ) Original creditors full name and address 3 ) Date of last activity/payment, if any 4 ) Copy of the signed contract between the original creditor and me 5 ) The Full billing history of this account not a statement 6 ) Date your company purchased said debt 7 ) Amount you paid for said debt

Company response to consumer: Closed with explanation