vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
I purchased a XXXX Ford Mustang GT from XXXX and XXXX Ford. In the closing stages of financing, the loan officer offered me a package that included gap insurance and an extended warranty for {$1300.00}. I accepted but after financing was done and I reviewed my paperwork it showed that I was charged {$1300.00} for an extended warranty and another {$700.00} for gap insurance. I told the finance manager what happened and he offered me a warranty program for oil changes for 3 years or XXXX miles which ever came first. He drew up the paperwork and we both signed and I still have my copy. The company that handles warranties for Ford does not have this agreement on file. I 've spoken to the finance manager twice and nothing has changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Precise Financial Group, LLC
State: OR

Complaint narrative:
This lady " XXXX '' from precise financial group called my employer while I was working asking for me & being extremely rude and disrespectful to the person answering the phone. I work in XXXX so they have to ask questions of who is calling due to confidentiality of patients. She then got a hold of me & was being threatening, rude, talking over me, after I said several times do not talk this way you are being unprofessional and not talking like a grown lady. I then said this is my XXXX time asking you to NOT CALL MY JOB, we went back & forth I told her to give me payment options and she was rude an said the amount she needed to collect, she also asked when can I make a payment I said XX/XX/XXXX & she said NO I CAN NOT WAIT THAT LONG YOU HAVE HAD LONG ENOUGH TO MAKE A PAYMENT I NEED A PAYMENT NOW I then said you don ; t know my finances and what I pay I ca n't make a payment today!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Payday loan — 
Issue: Can't contact lender — 
Company: EZCORP, INC.
State: TX

Complaint narrative:
Lender called my mother stated that if I did not pay {$600.00} I will go to jail. When I tried to get information regarding the account They stated the file was forwarded to the state to be processed and hung up in my face. Refused to give me any information regarding the loan. He stated his name was XXXX XXXX and he was very rude and unprofessional also stated that you people never learn before he hung the phone up in my face.

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 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
They keep calling with the right name wrong Soc. sec. # wrong addresses? Wo n't stop calling? they are very rude, and the langue? company is ARA, XXXX, calls are more then XXXX a day, I did get a Gentle man XXXX and did explain to him.. he said the phone calls would stop..? but they did n't? They are looking for XXXX XXXX XXXX # lastfour/XXXXnot mine

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Other fee — 
Company: Army and Air Force Exchange Service
State: AP

Complaint narrative:
My wife and I both utilize Military Star credit cards ( websites : XXXX and XXXX XXXX. During this billing cycle and earlier ones, we have been unable to pay our bill in full and therefore avoid interest charges. Upon attempting to do so at their website, I am only able to pay up to {$2500.00} or the entire credit card balance. Furthermore, only one payment is allowed during every seven ( 7 ) day period. The Military Star card terms and conditions are located here : XXXX These terms do not mention a dollar amount or the minimum time required between payments. No credit cards we have ever used have imposed such limitations on the amount and frequency of payments.

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 2015-06-08 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: Gatestone & Co. International Inc.
State: IL

Complaint narrative:
Paid XXXX monthy bill. But XXXX said it wasnt paid, even after i repeatedly gave them proof of credit card statement and an XXXX payment confirmation code. Being called anywhere from 5-10 times a day from dept collection that refuses to tell me who they are until i give personal info. Name, address, birthday. Being harassed daily. No matter how many times I call XXXX to give proof i do not owe them money or same info to collection, the collection calls will not stop.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-11 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: R.M. Galicia, Inc.
State: NV

Complaint narrative:
I have multiple charges against my credit report from a company " PMS '' Progressive Management Systems trying to collect on debts from XXXX Medical Center. I have never been contacted by PMS directly and only know of them through my credit report. They 've not contacted me either through mail or via telephone. I sustained a debilitating injury XXXX in XXXX of XXXX. I filed for XXXX in XXXX, XXXX ( I honestly kept hoping the problem would go away! How dumb was I? ) In XXXX XXXX my XXXX was approved with all charges in relation to my to be paid retroactively. My XXXX was approved retro to XXXX, XXXX. I was then approved for Medicaid at which time it was deemed that any charges concerning XXXX would be paid either through Medicaid or XXXX XXXX XXXX XXXX. All physician appointments XXXX were made due to what ended up XXXX. I was clearly not seeking physician 's expertise for no reason. I had specialists from XXXX that submitted reports to SSI throughout this span of time, informing SSI that my injury was XXXX. I met with an SSI adjudicator XXXX who also made clear my injuries were attenuating, yet it still took two years to get approved. Regardless, I am grateful for the medical approval, but need to assert that any and all charges relative to the XXXX are legally the responsibility of either Medicaid or XXXX XXXX XXXX XXXX. Again, I want to stress how thankful I am for the services that paid for my injuries, but need to hold firm in the fact that all charges from XXXX should be paid by other entities.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Stallings Financial Group, Inc.
State: GA

Complaint narrative:
This debt was owed to the XXXX XXXX XXXX and XXXX XXXX. I had temporarily moved from my home due to illness and had my water shut off. In 2015, when I requested new service the water authority did not inform me on how they would bill me so I assumed I would get a paper bill. When I never got the paper bill I repeatedly contacted the agency requesting the bill. I even contacted the XXXX XXXX because other mail had been missing from my home. Despite these requests, I never got a paper bill but came home XXXX day to the water being turned off and a hang tag on my door stating I owed over {$200.00} in back water bills. Additionally, at some point after that I started getting collection letters from Stalling Financial Group. I had no idea who this entity was. I immediately contacted the water authority only to find out that they had been sending my water bill to me through e-mail and it had gone into my junk e-mail. At no time did the sewer authority obtain my consent to e-mail me the bill. Through conversations with the sewer authority, they were willing to remove this item from my credit report because I did not get a bill and I had called them regarding the same. However, they did not own the debt and could not recall it and the persons that they spoke to at Stallings Financial refused to even discuss the matter. I believe this issue was handled incorrectly by the sewer authority and Stallings and I would like this matter removed from my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: OR

Complaint narrative:
I had submitted a disputed and they did not send out verification they had had obtain the debt correctly

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-04 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Trident Asset Management has insisted that I owe them a debt of {$2100.00} that I have tried to explained that I have no knowledge of. I spoke to a XXXX XXXX who would not understand that this is not my debt or a possible fraud. She expressed that I am still liable for the debt. I have contacted the original creditor and they have no record of such incident taking place.I have also contacted my bank and they too have no record of such incident. At this point I am requesting the assistance of this department.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-11 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: TX

Complaint narrative:
A Representative of ARA continues to call & harass me over a time-barred debt with XXXX XXXX XXXX. I have been threatened with law suit filing and have continued to advise that this debt was disposed of 15+ years ago. I have asked the representative to cease and desist yet they continue to harass me with threatening phone calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I would like to register a complaint against PNC Mortgage and Insurance. I settled on a new property on XXXX XXXX, 2016. The loan was held with Fairway mortgage and later bought by PNC Mortgage on XXXX XXXX, 2016. On XXXX XXXX, 2016, I was notified that my home was now located in a flood plain and required flood insurance which they were going to purchase for me if I did not show proof of coverage in 45 days. I reached out to multiple insurance companies and was told that I could purchase the flood insurance because I was no in a flood zone as PNC mentioned. PNC stated I was in flood zone A and the FEMA database had me listed in flood zone X. 

I am disputing PNC 's records and having them update my mortgage with the information listed with FEMA. PNC stated that they are researching my case and hope to have resolution in 10 days. This will put me over the 45 day period and they will purchase insurance for me at an annual premium of {$2200.00}. The standard insurance policy would normally cost {$500.00} for coverage for my home. My complaints are XXXX fold. First, that they are forcing coverage when FEMA is stating the home is not in a flood zone. Secondly, that the forced coverage is extremely overpriced and they are using this forced coverage not to insure me as the homeowner and them as the lender, but for financial gain. 

I would like to bring this to your attention and request that you review and investigate PNC 's practices in this area.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NV

Complaint narrative:
We closed a refinance on a commercial property XXXX 2015. In XXXX, we paid the first monthly payment to XXXX XXXX, as instructed on closing documents and the mortgage statement we subsequently received in the mail. The check cleared our bank account on XXXX XXXX, 2015, which is when the payment was due. XXXX XXXX sold the loan to Midland Loan Services on or about XXXX XXXX. As of today, XXXX XXXX, 2015, XXXX XXXX has not notified Midland that this payment was received, and Midland wants to charge fraudulent late fees in the amount of {$3000.00} for a payment that was made on time.

Company response to consumer: Closed
Consumer complaint received 2016-01-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I utilized a promotion offered through PNC Bank for 0 % interest through XXXX XXXX. I have made my payments faithfully on time. I used the credit card for purchases in XXXX and XXXX XXXX. I paid the entire balance of those purchases. I understand that my " grace period '' is waived on all new purchases for the credit card. I also understand that my minimum payments go directly toward the promotional balance. Any amounts paid above the minimum payment goes to the highest interest balance. I contacted the credit card company on four different occasions in XXXX XXXX - the XXXX most recent being XXXX XXXX when I spoke with XXXX and XXXX XXXX when I spoke with XXXX XXXX. I was told by both of these representatives, in addition to the XXXX representatives before that ( XXXX of which is named XXXX XXXX ) that my promotional balance is {$2700.00}. They told me that in order to avoid paying ANY interest or fees on the account, I must pay any amount over-and-above that balance. On XXXX XXXX, my next credit card statement was issued. I have attached a copy of that to this complaint. That statement indicates my total promotional balance is {$2700.00}. I contacted the credit card company today, XXXX XXXX, and spoke with XXXX XXXX who indicated that I must pay approximately {$540.00} to avoid interest charges. I asked to speak with her supervisor and I was transferred to XXXX XXXX. XXXX told me that I must pay approximately {$280.00} to avoid interest charges. I asked to escalate the situation to her supervisor and XXXX indicated that she does not have any supervisors or bosses. She said there is no one else who can speak with me about the matter. I asked to file a formal complaint, to which she did file and gave me a reference number of XXXX. I also verified that PNC records all of their phone conversations. I asked whether she would review the previous calls and she said no. 
I do not understand how my promotional balance can change so drastically from XXXX person to another. I was told by XXXX representatives that it was the same - {$2700.00}. I understand a few dollars here-and-there with fees, etc. I was prepared to pay the balance of my card down to {$2700.00} to ensure I would avoid further fees or interest. However, after speaking with XXXX today, it appears that is not an option.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
After numerous times to obtain a loan modification with PNC only to have them repeatedly lose my info, I attempted to do a short sale. There were so many unresolved issues with PNC and I hired several attorneys to help me work through this. As PNC threatened foreclosure, my attorney recommended bankruptcy to stall the sale while we continued to work with PNC. There were several offers but PNC would not consider them. My real estate agent ended up getting himself hired by the Trusteee. The bank changed the sale date several times and even though there were offers, they foreclosed on the house and sold it to XXXX of my attorneys. It was my understanding that an attorney could not benefit from their client 's misfortune. I have spent so much time and effort attempting to do my part, only to left with the deceptive talk and work done by PNC. I am hoping there is come recourse. It is my understanding that the house is getting ready to go up on the market again ... ... .. Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
I requested a due date change from bmw financial in XXXX 2015. They advised that the process would take 60-90 days. My payments were set up on weekly disbursements from my bank account. Once the due date change the final payment for XX/XX/XXXX ( i believe ) posted on the XXXX day and BMW marked me as late with all XXXX credit agencies. It was to my understanding that an account had to be 31 days late to be reported delinquent with the credit bureaus. I asked them to remove the late. I have disputed it. Im trying to get the vehicle refinanced with my credit union and was told that the late from BMW dropped my scores to where they cant fund the entire deal. I need assistance as this was not intentional nor is it the standard reporting process for lending institutions

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: MD

Complaint narrative:
Stearns Lending charges a fee for making payments within the 15 day grace period. Charges illegal late fees.

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 2016-10-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: PA

Complaint narrative:
Not only I but my family members also have been harassed by the collections department of BMW financial services. I have a record phone call from them when they called my son while he was away in college. I have been told that BMW financial services called several other family members as well. I XXXX XXXX was the sole owner of the vehicle. I do n't understand how it is legal for BMW financial services to contact anyone else but XXXX XXXX. The vehicle was repossessed by BMW financial services in XXXX of 2015. Since then BMW has be fully compensated for the sale of the vehicle. Not only am I still receiving calls but this nonsense is being reported on my credit report. I am reaching out to you in hopes to dissolved this matter immediately to avoid further costly actions. BMW financial services continues to conduct business in ways that are unconstitutional. I am being unfairly treated and consistently harassed, I am physically and mentally drained from this situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have been struggling for over a year to work out a modification with PNC bank due to unemployment in 2013. We got to the point of short sale in XXXX, at which time I was assigned an attorney to represent me in the proceedings. PNC denied offer to purchase at the beginning of XXXX, since then they have refused to take the law firm off of my account as primary contact and have not spoken to me claiming that I need to remove attorney authorization. We have repeatedly emailed and faxed PNC with the requested letter from attorney. Last week I submitted another modification request asking PNC to consider modifying mortgage based on their - PNC Agent - BPO - value of {$60000.00}. I am still unable to speak with them, they refuse to change the attorney information. I had another foreclosure hearing this morning. PNC 's improper refusal to discuss my own account with me, for over 30 days, has negatively impacted my ability to work with them on a modification and avoid steps in foreclosure. As of this morning, the court has set a sale date and they STILL refuse to speak with me. It has been communicated to PNC numerous times that the authorization I originally signed allowing attorneys to speak with PNC about my account contains no cease and desist language at all. This is the final straw in the long list of ways they have kept me from working out a deal to keep my home. PLEASE help me. They have lost my paperwork, requested the same documentation over and over, claim they ca n't leave me voice messages, I did n't initial XXXX page of a XXXX page document, etc ... ... I want to keep my house, I am employed again and have been, I also have additional income with my father living with me. Their practices seem to be unethical. The refusal to speak with me is absurd.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
Posting of charges and overdrafts. I keep track of my charges and spending and verify it with the online banking thru PNC. 

I started with {$58.00} available ... XXXX takes {$19.00} leaving {$38.00} ... Spend {$11.00} at XXXX leaving {$27.00} ... .Spend {$21.00} at XXXX leaving {$6.00} then Spend {$5.00} at XXXX Leaving a balance of {$1.00}. I then had a charge from XXXX for {$10.00} which would have Caused a OVERDRAFT OF {$9.00} and I somehow get XXXX overdrafts?????? {$100.00} charge for {$9.00} over??? That 's XXXX and PNC is a bunch of THIEVES This is backed up by their own online banking!

Company response to consumer: Closed with explanation