vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-21 00:00:00
Product: Money transfers — International money transfer
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Good Day my name is XXXX I am filing a complaint with PNC Bank due to there neglience not retaining or recovering my expense of XXXX that was submitted through there branch in XXXX Maryland on XX/XX/2017. The Gentle man name was XXXX who took my Debit Card and Driver License never explain the details of how this process work. I discover this debt out of the checking account the very next day XX/XX/2017 I came to the PNC in XXXX, which i ask the representative did the XXXX get debit out the count she informed that was a wired transfer whereas i shock. I learn that that this was a debit not a wire transfer which I am provided to this office for further investigation. On XX/XX/2017 PNC customer care put a Security alter on the account which was documented. XX/XX/2017 The actual dispute was filed with no results of getting money. I was told by the wire transfer department that I would see results by XX/XX/2017, or XX/XX/2017 whereas PNC given myself and XXXX who is my son cause there are direct deposited that enter into the account. PNC instructed me on XX/XX/2017 to reopen up a another account so that the XXXX can come through which Myself or XXXX ( son ) can transfer funds to new checking account. Therefore there been nothing done. I spoke with XXXX who lied to me on XX/XX/2017 alleged this Federal Reserve Program to get the funds cause they are the ones that are responsible. XXXX indicate to me that they never heard from XXXX due to Federal Reserve that it will take more than 10 days. PNC ask me to block there email address which I did. I also filed a Police report through XXXX XXXX XXXX Maryland whereas they told me when fundings are enter into another country. PNC is responsible for recovering your funds back to your account cause it is Federal Insure money. I have documents I never received jewelry at all from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
We submitted an appeal to PNC indicating that the denial of XXXX loan modificaion under the Making Home Affordable program did not make any sense. We specifically appealed the denial by showing that an affordable payment could be created based on the NPV inputs provided by PNC. However, PNC denied XXXX appeal without any explanation in regard to our appeal. We spoke with one PNC representative on the phone who indicated that the denial was based on the investor 's refusal to provide term extensions. However, we located the investor restrictions through the securities and exchange commission and sent PNC proof that the investor did allow term extensions. We raised the issue about term extensions in our appeal. PNC did not respond to the part of our appeal regarding the investors allowance of term extensions. We request that PNC either grant XXXX XXXX a modification under the Making Home Affordable Program or provide us a detailed explanation regarding why it can not and address the concerns raised in our appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
At XX/XX/2017 market close XXXX traded at XXXX. I am concerned about the ability of XXXX to continue as a going concern. It is time for XXXX-DiTech to advise its debtors about the transfer of loans when XXXX ceases to function. How will the likely XXXX bankruptcy be handled? How are the debtors to prepare for the transfer of their loans? How many more months does XXXX have before it is delisted from the 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 2017-02-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY
State: WA

Complaint narrative:
The account activity is missing transaction that was reversed. I have already asked about On XXXX/XXXX/XXXX statement the Principal unpaid balance was {$29.00}, XXXX ; on XXXX/XXXX/XXXX - it was {$28000.00}. After one more extra principal of {$500.00} and interest payment - the balance in XXXX/XXXX/XXXX is {$28000.00} amounting to only {$280.00} being applied. Wells Fargo ignored the inquiry/complaint that was faxed on XXXX/XXXX/XXXX ( see fax confirmation ). on XXXX/XXXX/XXXX - Per XXXX XXXX Customer Service - after XXXX payment - I could have expected my balance to be : {$28000.00} Balance as of XXXX/XXXX/XXXX XXXX Less : Principal Payment XXXX {$500.00} Less : Regular Payment XXXX Estimated Principal Balance prior to adjustments {$28000.00} It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the Mainframe systems showed 3- {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account XXXX XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the 3 {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. Another issue is that the payment on XXXX of which they are not supposed to draw since I told Customer service to change from biweekly to monthly was kept once again in Unapplied funds and was not applied until XXXX/XXXX/XXXX. This should have been applied to Principal as the payment for XXXX was already completed on XXXX/XXXX/XXXX. 
This reversals and misposting of my payments have been going on and reported way back around XXXX of XXXX and to this date are never corrected satisfactorily. I have spent countless hours and could not take my XXXX tax to accountant to amend due to inaccuracies. I am to a point of emotional breakdown everytime I deal/talk to Wells Fargo since that time in XXXX XXXX of which my mother was XXXX.

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 monetary relief
Consumer complaint received 2017-02-10 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: NCC Business Services, Inc.
State: TX

Complaint narrative:
NCC Business Service is attempting to collect a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc.
State: NV

Complaint narrative:
i sent in this letter i got mailed from XXXX upon removing their tradeline error from my Experian credit report. This is the second time that i had to initiate a complaint about the non-performance of Experian. I call Experian about the innaccurate info reported on my report and they tell me to settle it with the creditors and then send them proof to get the innacurate items removed. I did just that for the removal of 5 inquiries posted in error, they recently denied the request. So here i am again, did my due diligence with XXXX and they have concluded to remove their tradeline. I am just here to speed the process up as i have the right to forward mail from creditors to bureaus for faster updates. Experian needs to do their job this time, no excuses.

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 2017-03-29 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: WA

Complaint narrative:
Business Name : Experian XXXX, TX XXXX Phone : XXXX Website : http : //www.experian.com Transaction date : XX/XX/XXXX On XX/XX/XXXX I set out to refinance my home loans and lower my auto and homeowner insurance premiums, which in WA State is dependent in part on creditworthiness. To that end, I ordered the XXXXCredit-Bureau Credit Reports and FICO Scores from Experian : - I discovered multiple critical errors and omissions on all reports and immediately followed each individual CRA posted policies to dispute the items. I simultaneously contacted the sources of the misreported information as well ( XXXX and XXXX ). 
- XXXX and XXXX promptly rectified their version of my credit report, well within the prescribed FCRA deadlines. 
- Experian has yet to abide by the law as of today XX/XX/XXXX : it took them well over 30 days to quit reporting a closed auto loan with XXXX as " FP - Failed To Pay '', an extremely derogatory item. 
- Experian continues to fail to report my oldest account, a XX/XX/XXXX Home Equity Line Of Credit ( HELOC ) with XXXX. This account is in excellent standing, thus failing to report it is also hurting my creditworthiness. 
- I followed Experian 's own dispute protocol, mailing them evidence via overnight, trackable USPS delivery : copy of a letter from XXXX informing me that they had asked all XXXX Credit Reporting Agencies to report this XXXX HELOC account in early XX/XX/XXXX. Again, only Experian did not comply. I also included the latest XXXX HELOC Account Statement as well as copies of XXXX and XXXX Credit Reports correctly reporting this XXXX HELOC account. 
- I wasted countless hours of billable work on the phone with multiple Experian Service Representatives in an attempt to exercise my right as a consumer to obtain favorable credit terms based on accurate credit information. 
- After a harrowing 3-month battle with that XXXX bureaucracy, I am still not in a position to apply for a home loan on the terms I am eligible for or to ask XXXX to rerun my credit check and lower my auto and homeowner insurance. I have wasted well over {$1000.00} in lost billable work and various fees to deal with that despicable entity. Worse yet, I am unable to enjoy the substantial savings a refinance deal and lower XXXX premiums would entail. 

Attached is evidence that the information provider ( XXXX ) asked Experian to report this critical account almost 90 days ago!

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 2017-03-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PENTAGON FEDERAL CREDIT UNION
State: DC

Complaint narrative:
I have requested the Consumer Financial Protection Bureaus assistance in investigating direct deposit reversals from my account to determine if they were Unauthorized Electronic Fund Transfers. 

In monthly bank statements provided to me by the bank I identified more than $ 10K in direct deposit reversals. 

When I looked up the guidelines for when direct deposit reversals are permitted I found the Federal Reserve Regulation E Supplement I to Part 205 -- Official Staff Interpretations : 5. Reversal of direct deposits. The reversal of a direct deposit made in error is not an unauthorized EFT when it involves : i. A credit made to the wrong consumer 's account ; ii. A duplicate credit made to a consumer 's account ; or iii. A credit in the wrong amount ( for example, when the amount credited to the consumer 's account differs from the amount in the transmittal instructions ). 

The originator never made any of these claims when asked about the reversals. See the attached documents. 

Because these were unauthorized withdrawals, I would like the bank to return the withdrawn funds to my account and prevent the originator from performing any further withdrawals from my accounts.

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 monetary relief
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
We 're requesting your assistance in resolving a matter of a mortgage account surrendered under Chapter XXXX Bankruptcy in XX/XX/XXXX and currently reported incorrectly as open to the credit bureaus by XXXX as an active account, paid late. At the time of the bankruptcy filing ( XX/XX/XXXX ) the account was under XXXX who was appropriately notified of the bankruptcy numerous times. In XX/XX/XXXX XXXX apparently transferred the account to XXXX and it remains unclear why Nationstar is not aware of the bankruptcy filing. 

We have attached the following documents in reference to this complaint : Nationstar Account Statement Bankruptcy Discharge Doc ( XX/XX/XXXX ) Bankruptcy XXXX ( Creditor # XXXX ) Letter from lawyer sent to XXXX ( XX/XX/XXXX ) advising that XXXX was surrendered in the bankruptcy XXXX credit report pages ( XXXX , Nationstar Mortgage ) We have tried calling Nationstar but have not been successful in reaching someone able to assist. As this is an urgent matter affecting our credit score, time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: JPMORGAN CHASE & CO.
State: IN

Complaint narrative:
I have a card issued by amazon through chase XXXX. 
Amazon had a breach in XX/XX/2016 and my account was included. about XXXX orders were issued at the same time and I instantly called amazon to tell them to stop it since i did not order anything. 
I was told by customer service that those orders will not come to me. 
Although some kept showing shipped, there is no shipping confirmation. The 3 orders that came here were returned. 
Three boxes were left outside my door and I tried everything to have them picked by amazon to no avail. I do not need these. 
I have attached some of the email exchanges since the old account was closed and a new card issued. 
After 4 months of trying to have the XXXX removed, chase came out with the conclusion that these orders are valid and I must pay back the amount. They are charging interest and this is getting out of hands. 
I file this complaint to have this issue resolved since neither amazon nor chase is willing to clear the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I have had a Huntington Checking account for close to eight years. I had overdraft fees in excess of {$530.00} resulting from an unauthorized purchase.I contacted the bank on several occasions regards. They proceeded to give me XXXX different complaint numbers. I followed all procedures. Provided all paperwork they requested on time. They continued to say it was not enough information at all. They several months passed after I returned the paperwork. They closed the account and requqested me to pay the {$530.00} in fees and turned it over to a collection agency. This is totally unacceptanle after a I tried to resolve all the issues with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA

Complaint narrative:
When I began to refinance for my house last year, I was told that after the refinance was done that I could have my insurance and property taxes impounded monthly in an escrow account WITHIN A MONTH AFTER THE CLOSING OF THE REINANCE. After almost 6 months, I 'm getting the run around by the insurance company, which just asks for more time, and no results have been forthcoming. We paid for the taxes and insurance, but there does not seem to be any good faith effort to get back to us in establishing the impound account for Cashcall account # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Parnell & Parnell, PA
State: SC

Complaint narrative:
This problem began in the year of XX/XX/XXXX when I was not able to make payments on my account with XXXX ( XXXX Credit Card ) because of hardship. XXXX sent account to XXXX, NC XXXX in which XXXX filed a Judgement against me. Went to court and it was determined that I owed {$16000.00}, plus costs in the amount of {$190.00}, total judgement of {$16000.00}. 

Beginning in XX/XX/XXXX to XX/XX/XXXX I was making payments of {$20.00} to {$25.00} consecutive. I stopped making payments because I was faced with another hardship -- I had XXXX XXXX in XX/XX/XXXX -- had XXXX XX/XX/XXXX. XX/XX/XXXX I had XXXX. 

The big problem now is that I 'm been harassed by Parnell & Crum, PA, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX, AL XXXX who says that I owe {$18000.00} and will settle with the amount of {$9100.00}. Since XX/XX/XXXX I have asked Parnell & Crum not to contact me because I will pay XXXX directly and have sent payments directly to XXXX Processing Center. How Parnell & Crum got this account I do n't know. I want Parnell & Crum to stop contacting because the Judgement is in Court and in the Credit Bureaus. I think that Parnell & Crum is trying to get {$9100.00} and then might try to get the other half. 

If you need any documents -- I will send them to you. 

Debt is not fully paid

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV

Complaint narrative:
XX/XX/XXXX my identity was stolen in XXXX Nevada they moved to XXXX opened a phone in my name never paid on the bill my identity has been traveling all over recently in XX/XX/XXXX I notice a loan being taken out of n my name I do n't have loans I do n't need a loan and to top it off I have been having problems with XXXX paying my doctor bills because of their system always saying inactive when it 's active. I show several bills on my credit and I need them off because the insurance should have taken care of it I called I complained I sent the copies to the welfare office on XXXX in XXXX Nevada. They should have all my documents I should have a clear report by now I filed bankruptcy in XX/XX/XXXX because XXXX did not pay none of my doctor bills while I was XXXX and not the hospital bill rounding out to being XXXX I had to have my father pay XXXX to get me out of debt to a lawyer. And wait 10 years for t to come off I do not want to have to do that again. So please tell me what I need to do to get these bills out I am not working at this time I can not pay thousands of dollars especially when I have had insurance for and they are n't paying for it.

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 non-monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC.
State: GA

Complaint narrative:
All XXXX credit bureaus are reporting a bankruptcy tax lien on my credit file XXXX are showing on Equifax for XXXX different amounts under a bankruptcy that I attempted to filed in XX/XX/XXXX. I was not allowed to go under the protection due to owing back taxes. II have been working with the IRS to resolve my tax issues I want this removed from my credit report Due to never filing bankruptcy listed below are the account information for each bureaus Equifaz XXXX {$20000.00} XXXX - XXXX XXXX {$20000.00} XXXX XXXX Filing date XX/XX/XXXX in XXXX County Superior Court amount is {$16000.00} XXXX XXXX County Superior Court the court system which is report incorrect information is XXXX County Superior Court XXXX , GA XXXX phone number XXXX XXXX County Superior Court XXXX , GA XXXX XXXX I will be contacting both of the counties to get any Documents that they have to prove my claim

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BANK OF THE WEST
State: CA

Complaint narrative:
IN XX/XX/XXXX BANK OF THE WEST FINANCED A XXXX MOTORHOME, WITH {$20000.00}. CASH DOWN, {$15000.00}. TRADE IN ON A XXXX TRAVEL TRAILER AT 8.5 PERCENT INTEREST FOR A 15YEAR MATURITY. THEY OFFERED EACH YEAR A DEFERMENT AT XX/XX/XXXX AND A {$25.00}. FEE AT THE TIME, OVER EIGHT YEARS FURNISHING PAYMENT SLIPS FOR EACH MONTH WITH THOSE EIGHT MONTHS ADDED ON. XX/XX/XXXX CONCLUDED THOSE 15 YEARS PLUS 8 MONTHS, JUST COMPLETED THOSE PAYMENTS IN XX/XX/XXXX LAST. NOW BANK DEMANDING ADDITIONAL {$16000.00}. IT SEEMS THE BANK TOOK THE FOLLOWING MONTHS AFTER DEFERMENTS PAYMENTS THEN APPLIED THE FULL MONTH TO INTEREST ONLY. TO US THIS IS VERY UNSCRUPLUS, AND UNFAIR IN THE EXTREME. NOW CHARGING {$25.00}. EACH MONTH NO ADDITIONAL PAYMENT IS MADE WITHOUT FURNISHING ADDITIONAL PAYMENT SLIPS AS THEY INDICATED ON FINAL PAY SLIP.

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 2017-03-31 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: United Student Aid (USA) Funds
State: LA

Complaint narrative:
I had an old student loan through XXXX from about twelve years ago. The account was in collection, but hit the statute of limitations and was removed. It is now back in collections through USA Funds and the original start date is incorrect. They have refused on multiple occasions to provide any information or proof of debt. They are now on their fourth third party collection agency from which I have sued and won for unfair collection practices. Can anything be done to have this account removed?

Company response to consumer: Closed with explanation