vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I recently sold my home and paid off my mortgage loan with PNC Mortgage. They included a " Servicer Advance Balance '' fee of {$1800.00} in my payoff amount. I had previously made written & verbal requests to have this fee explained to me several years ago and again more recently, but have never received a proper answer. In a letter dated XXXX XXXX, 2014 ( attached ) PNC responded stating the fee was because the HAMP " loan modification agreement required PNC to advance payments on your behalf so when the loan modified your account would reflect being current/reinstated '' Aside from the fact that the relevant explanation does n't even use proper English and makes little sense, my loan was never past due and never had to be made current or be reinstated. I responded to them on XXXX XXXX, 2014 and stated if they did not provide written proof of this obligation that we could only assume that it was an error. At that time I did not receive the courtesy of a reply thus, no proof was ever sent to me. In other words, just saying that I owe them {$1800.00} because they say so is not an acceptable answer legally or otherwise. 

I have also attached a copy of my loan modification agreement and nowhere in it does it state that I do or will owe this money nor is there a reference to anything that could be construed as such a fee. Please know that I am, and always have been, perfectly willing to pay any fees that I am legally or contractually obligated to pay, but I can not stand for having my money confiscated inappropriately by an entity that obfuscates the facts and refuses to provide simple and understandable answers to legitimate questions.

Company response to consumer: Closed
Consumer complaint received 2015-05-21 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ENCORE CAPITAL GROUP INC.
State: AZ

Complaint narrative:
Midland Funding LLC sent false debt collection information to XXXX XXXX XXXX Attorneys. The original creditor is XXXX XXXX Bank, XXXX. The debt in the amount of {$590.00} do not belong to me nor have I done any business with either of them. I notified the Attorneys office and they are suppose to remove this false claim from my name. What upsets me the most is that Midland Funding LLC assumed individuals with the same last name is associated with a debt their trying to collect. I 'm tired of these credit card companies submitting false claims and the credit bureaus are just as bad accepting false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC Bank improperly debited my daughter 's virtual wallet bank account a $ XXXX monthly service charge for the months of XXXX and XXXX 2016, for a total of {$50.00}. PNC states the reason for the $ XXXX monthly service charge was that the " spend '' portion of her performance select virtual wallet account contained less than {$5000.00}. Importantly, my daughter 's entire virtual wallet account, including the " spend '', " reserve '', and " growth '' portions of the account, totaled at least {$11000.00} during XXXX and XXXX 2016. PNC 's own " Consumer Schedule of Service Charges and Fees '' dated XXXX XXXX, 2016 and available online at the PNC website, states, for the performance select account, " No Monthly Service Charge if you meet any one of the following : " {$5000.00} combined average monthly balance in this and up to XXXX additional linked PNC consumer checking accounts... '' Because the account had a combined average monthly balance of at least {$11000.00} ( more than twice the {$5000.00} requirement ), PNC 's rule is that there is no monthly service fee. Additionally, I maintain a linked PNC consumer checking account that would combine and add even more to the total. The XXXX and XXXX 2016 monthly service fees totaling {$50.00} are improper under PNC 's own Consumer Schedule and must be refunded to my daughter 's account. PNC is charging consumer account fees without notice and providing consumers with false Schedule of Service Charges. Despite increasingly escalated requests, PNC has refused to return the {$50.00} to my daughter 's account and has stopped returning my telephone and email inquiries.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA

Complaint narrative:
PennyMac has violated the terms of my home mortgage by charging additional interest, applying payments first to fees rather than interest and refusing to provide an accounting even after a written RESPA request. They have made promises to provide an accounting, but have n't after a year. They have lied to me about how my payments have been applied and made false XXXX statements. I have contacted them in writing, by phone and by email over 50 times over the last year and they refuse to account for how my payments were applied to my loan. There is an estimate {$68000.00} in payments missing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12 00:00:00
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: IJLfinancial, Inc.
State: ID

Complaint narrative:
they called me every day before payment was due, now that it is past due they are calling 10 times a day.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: MS

Complaint narrative:
I have judgements on my equifax credit report that should never have been reported. These items were paid in full. I am still a resident at the apartment complex. I would to have these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Problem with Nationstar MortgageI have written you XXXX before about this company and the way they do business. It has not gotten any better. 
I started the loan modification process in early XXXX. I previously wrote you how they " botched '' the application after torturing us for months, making us resubmit the complete application XXXX times, etc. 
Long story short : After they finally approved the modification in XXXX XXXX. I was told to pay the regular mortgage for XXXX and start the XXXX lower payments starting in XXXX. I paid XXXX and XXXX on time. 
In XXXX, I was informed that I paid all 6 months in full. When I called to question that, they said I should not have been told to pay XXXX mortgage - that it actually counted for the XXXX XXXX payments. They resolved this problem, by sending me back the XXXX and XXXX payments I made and letting my unpaid balance and penalties grow starting XXXX XXXX. 
Late XXXX, someone finally resolved the issue and stated that I would go on the unemployment program starting XXXX XXXX. If I paid my {$600.00} monthly statement on time for 6 months and found a job prior to XXXX XXXX, I would then qualify for a loan modification. He said that usually they even forgive up to 75 % of the debt. I was also told : The new loan % rate will be reduced and/or the payment period extended. There would be an initial 3 month trial period to see if I paid on time. If I did, the new lower monthly amount would start in the XXXX month and continue until the end of the loan. 
As requested, I sent in the verification of employment form in XXXX after I was hired for a new full time job. I was told to pay the XXXX payment and to contact Nationstar to start the process of the 3 month trial period. I contacted them to see the next step. They told me to call back in a couple of weeks. 
When I called today, I was informed that the " investors decided not to participate in the loan modification. '' I was knocked down to my knees. I was finally able to speak with a manager. He informed me that all of the outstanding balance, {$34000.00}, is due within 9 months to XXXX year, and and my mortgage will still be the same ... ... we will have to pay over $ XXXX/month or we lose the house to foreclosure. 
Needless to say, I think what they are doing is unethical, unfair, and illegal. Not once in any of my XXXX conversations over the last year with various rep 's did this come up as even a remote possibility. 
Can you help to correct this injustice that we are facing and save our home? We have been living in this home since XXXX. I have never been late on a payment or had any problems until Nationstar took over from our previous bank, B of A. 
Please help. 
Thanks, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commercial Acceptance Company
State: PA

Complaint narrative:
Have received phone calls stating that I owe money. Case pending against me. Wanting to meet me in person to serve papers. Calling family and work stating there is a case pending against me. Not disclosing who I owe or how much. Threatening me in messages if I do n't return their call i will be sued. I have never received written papers declaring any of this.. XXXX different phone numbers working together and wanting me to make payment immediately. 

Also said they dealt with a XXXX at XXXX and said I needed to call him for immediate payment or I will be served papers. XXXX and XXXX

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: MO

Complaint narrative:
I have been paying extra with each monthly payment for 4 years. Instead of applying the extra to my principal, they apply it to my next month 's payment, so I am still accruing the higher interest. So in 4 years I have paid over {$16000.00} on my {$29000.00} student loans, but still owe {$23000.00}. 
They also changed my XXXX grants into loans and told me it was because I missed a deadline. I never knew of the deadline.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: ID

Complaint narrative:
I went into XXXX XXXX of XXXX 3 years ago to buy a car. I told them I did n't want a leased car I did n't need XXXX my credit was exceptional. I am elderly and can not see very well out of XXXX eye and I did not see that the contract was for a leased car and the salesman kept covering up the paperwork. So I tried for 3 years to get out of the contract and I went to another car dealer XXXX XXXX and they said they could get me out the lease and before I knew it they stuck me in another car. They told me that they could n't bring the leased car on their lot and I had to sell it in XXXX 's parking lot in XXXX, Idaho or in my driveway. The salesman said he could sell it in XXXX 's parking or in my driveway and could get me some extra money then he said he would take it back. His name was XXXX and he was a floater ( whatever that means ). Then he said he was bringing people to my house to look at the car and then he later told me the people bought a car at XXXX XXXX instead. Then I found out I was being charged insurance for XXXX cars because they were XXXX in my name. I took the car back to XXXX XXXX in XXXX 2015 and returned it and I did not make the last XXXX payments because they had the car. The car was in excellent shape when I returned the car with XXXX miles on it and now Ford Credit says I owe {$870.00} for repairs to the car mats and damage to the car. I am a XXXX living on a fixed income and was not able to pay it. They started sending me threatening letters and said they would zero out my credit. I feel that I was taken advantage of from the beginning I told them I did not want a leased car. My daughter had to pay the money because they were threatening to put a lien on my house and I have a reverse mortgage and I can not have liens on it or I will loose my house. I am finding out from other elderly people they have been treated the same way by these car dealerships and we have no voice. I have complained to the XXXX and they could n't do anything. I also filled out paperwork and sent it to the Idaho XXXX about XXXX weeks ago and have not received a reply yet. I called them and they did n't seem to care about my situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: The Regional Adjustment Bureau, Incorporated
State: VA

Complaint narrative:
I paid of these loans several years ago but I am continually contacted by assorted collection agencies about the loans issued while I was at XXXX XXXX XXXX. I pay a lawyer to send a letter with the proof of payment but the collection agencies seem to just sell the debt to another agency and the process repeats itself. It is like being hounded by an old ghost from a very bad time of my life.

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 2015-10-21 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: JPMORGAN CHASE & CO.
State: PA

Complaint narrative:
I filed an complaint with Chase on XXXX, I advised Chase that, Title XXXX XXXX. XXXX, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information. Put another way, the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to the address provided below. 
As I am sure Chase are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise Chase company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of this letter, I will be forced to assume that Chase are intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Chase fail to respond in writing, signed by hand, in a timely manner, I will assume that Chase are in error and this matter will be challenged. As Chase further know, this notice has the same effect as a dispute of the accuracy of the alleged debt and Chase claims. This notice is an attempt to collect evidence of your noncompliance in case further action is required. It is not a statement, election or waiver of status. 
If you fail to comply within 15 days from the dispute dated XXXX, I will file a complaint with the CFPBXXXX. 
As of today XXXX, Chase have not provided the contract with my authentic signature that begun this alleged debt. The allotted time for dispute pursuant to the FCRA has expired and the tradeline is currently reporting on the CRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
I deposited to my account {$500.00} via my iphone on XXXX/XXXX/2015 on XXXX/XXXX/XXXX my deposit was to clear. A check came in for XXXX and the bank decided to pay the check XXXX, then charge me {$36.00} OD fee, then release my Funds instead of releasing my funds XXXX then pay the XXXX check. I contacted the BB & T was told told that they do not have to release funds XXXX I should have made sure I have enough funds to cover my checks. Other banks I bank at when I do check deposit by iphone, they make the monies available up to the XXXXt {$1000.00}. This bank takes as much days as a counter deposit, if not more.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: BOEING EMPLOYEES' CREDIT UNION
State: WA

Complaint narrative:
I purchased a home in XXXX 2013 with Boeing Employees Credit Union. I was provided an appraisal from XXXX XXXX XXXX and XXXX XXXX stating my square footage was XXXX. I recently applied for a cash out refinance on this property and another appraisal company stated it is only XXXX square feet. I feel I overpaid for the original purchase and was provided inaccurate information from XXXX at origination. I was sold a property under false information in regards to square footage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc.
State: CA

Complaint narrative:
My loan was transferred from XXXX XXXX XXXX to RCS in XXXX XXXX. Since the transferred RCS has put us through XXXX trying to obtain a loan modification. Despite receiving verifications of all of our income stream, which is {$9300.00} a month, they only choose to use my Social Security of {$2600.00} a month. XXXX more than once has Dual Track our loan, the latest was a letter dated XXXX/XXXX/XXXX, titled Notice of Default and intent to Accelerate, which was followed by a letter dated XXXX/XXXX/XXXX, was a combination of a denial letter and a pre-foreclosure notice. This is totally against the California Homeowners Bill of Rights. I have submitted another full package which includes pay stubs, XXXX, annuity income and social security income in support of the {$9300.00}. I anticipate, RCS will begin to nit pick, and claim not to have received the documents.

Company response to consumer: Closed
Consumer complaint received 2015-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company
State: TN

Complaint narrative:
We received numerous letters or ads from our mortgage company, Freedom Mortgage, stating that our house was valued at {$240000.00} and that we could refinance to use some of the equity in our house. After applying and providing scores of paperwork, we were told that our house appraised at only {$200000.00} by an appraisal company from Indiana and we could only get a new mortgage if we paid {$10000.00} for it up front. The appraisal was based on more than XXXX houses, XXXX of which was out of our district and was half the size of our house plus it was appraised at only {$170000.00} which lowered our appraisal considerably. I believe that this is a practice that is being used to scam homeowners and wish to have a federal investigation of this mortgage company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC.
State: VA

Complaint narrative:
ssue Unable to get my credit report or credit score : Problem getting my report or credit scoreDescribe what happened so we can understand the issue ... 

I am an XXXX Service Member in the United States XXXX XXXX. I attended the financial briefing in preparation to separating from the military. Following guidance from the Financial Planning Counselor, I attempted to obtain all XXXX credit bureau reports and my FICO score. I am unable to locate any information when I contact the bureau 's to include FICO score. I was told that I need to create a profile. I am a member of XXXX XXXX, and I have received a score thru XXXX, therefore I am unsure as to why I can not directly obtain from the websites.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-11 00:00:00
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK

Complaint narrative:
male called said he was with my " credit card company '' capital one and asked for my credit card # which I gave him and also gave him the last XXXX numbers of my social security #. He somehow called the credit card company and found out as he told me that I owed {$200.00} on my card and that it was maxed out. So he checked the balance using my confidential information

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-13 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: ENOVA INTERNATIONAL, INC.
State: VA

Complaint narrative:
I keep getting emails saying I owe money over XXXX ive neber taken out a loan

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Stephen Einstein & Associates, P.C.
State: NV

Complaint narrative:
XXXX end up on judgment entered on XXXX XXXX ( for {$1800.00} ). ( Filing date XXXX - disposition date XXXX XXXX, court- index number XXXX ) .I was XXXXe U.S. for 9 years ( XXXX issue ) Now i live in XXXX since XXXX ( XXXX ). I notice The Law Firm of Stephen Einstein & Associates put hold on my savings account for that judgment -hold for XXXX for XXXX judgment. On XXXX XXXX I was discharged in bankruptcy XXXX -Final decree XXXX/XXXX/XXXX ( this judgment was not in my credit report XX/XX/XXXX,XX/XX/XXXX-I have copy-and I do n't know about to add when I file for bankruptcy ) Thank you

Company response to consumer: Closed with explanation