vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I requested a loan amortization schedule for a fixed loan rate from my lender PNC Bank and they have denied the request. I do not understand why they will not provide this request I need to now how much is going towards interest and how much of my money is going towards principal because I have had this loan since XXXX and the original amount borrowed was {$88000.00} and the amount has not gone down by much because I owe over {$83000.00} for a loan I have had for nine years and only {$5500.00} paid down on the loan which is a 15 year loan. I am trying to pay this loan off eventually because the mortgage has a balloon attached at the end of the loan payment schedule XXXX XXXX XXXX for the total amount due of the loan {$88000.00} which is the last payment to be made if I do not pay off the loan before this date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I submitted a complaint few months ago about my lender. I was contacted by an executive representative at PNC, XXXX XXXX. I was informed by XXXX that everything was a misunderstanding with my lender. XXXX advice not to worry that she was going to help with the mortgage. In exchange I was to dropped the complaint with the CFPB. Which I did n't do nor I agreed. On XXXX XXXX, XXXX informed me that my loan modification was approved for a trial payment in the amount of {$1800.00} with 2 %. On XXXX I was informed that the loan modification was denied because of title issues. XXXX advised to fax the requested document ( a letter changing the vesting on title ) once the that was received they were going to lease the trial documents. I faxed the requested documents to XXXX. A month of false information by an EXECUTIVE at PNC, I received a denial letter. This letter stated that my loan modification has been denied for all options. I 'm requesting for someone to PLEASE HELP ME. How can lenders play around with homeowners like that? This is not just a house its my life investment. They have played me as fool. I have spend so much money faxing everything that they have asked for. They misled me on wrong information. I am asking for you assistance. This cant end like this. I 'm trying to stay in my house and pay what I owe. Please help, I do n't want lose my home. 

Thank you in Advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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:
I have been trying to obtain a car loan for almost 4 months. The car loan company pulls Equifax. When they pulled my Equifax report, the finance manager said my score was XXXX and I had not XXXX open account on my Equifax report. I called Equifax 7 times and after sending my ssc card and picture Id. Equifax told me I have too many accounts and that there were XXXX partisans to my report. XXXX with a lot of accounts and XXXX that apparently the car dealerships were seeing. Equifax took not fault to this and said the creditors need to report better, there was nothing they could do. Well, I have called all the creditors and they have been reporting to Equifax. All the creditors said they are reporting to XXXX bureaus. I have noticed from alerts and services I am currently enrolled in with XXXX and XXXX, that they ARE getting the creditor info and doing their job by reporting it. EQUIFAX IS NOT!! Equifax is not fixing this, so I called once more and still NOTHING.I would appreciate you doing anything you can to get this mix up straight. All I want is for Equifax to do their job. It is that simple

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NE

Complaint narrative:
PNC Mortgage Company withdrew funds from my account on a date prior to the date I agreed to on an online electronic funds transfer form. I received no online confirmation of my choice of payment options. 

When I requested that the funds be restored to my account I have was asked to provide a statement from the bank stating that the transaction was guaranteed. I did so. Funds were not restored to my account. 

When I called to inquire about the issue, since no one from the company contacted me to let me know there was a problem I was told all supervisors were unavailable until the close of business on the next day. 

The problem as I see it is that their online interface is faulty and did not allow me to choose the date I desired, instead reverting to their preferred date. I tried to correct this at the time I noticed the funds were absent from my account and still the selection reverted to their preferred date. A customer service rep had to change the date herself because my attempts did not work. 

I have been given the run around and still no restitution of funds.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I took out a loan with PNC Bank in the amount of XXXX for cash in the amount of XXXX and repayment of a prior loan for XXXX The amount of cash was received but the amount to pay off the existing loan was lost by the bank. This occurred in XXXX but I did not realize the load was not cleared until XXXX. The branch at XXXX XXXX XXXX XXXX, XXXX Indiana agreed that the fund were misplaced but it would be corrected. Its been three weeks and no one will reply to my inquires even at their headquarters in XXXX. We do not know what steps to take. My name is XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, In. Phone XXXX E Mail XXXXXXXXXXXX. The branch manager who handled the loan transaction told us that humans make mistake but why does it take so long to correct the problem. The XXXX gentlemen in XXXX that will not return my calls XXXX XXXX, Executive Branch XXXX XXXX XXXX and XXXX ( XXXX ). We would appreciate any assistance available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
The above listed descriptions of the behavior of the agency are not exactly descriptive of what they do, but I had to mark one option in order to be able to expand on the subject. Let me explain. The XX/XX/XXXX/XX/XX/XXXX meltdown had terrible financial repercussions on my family and I. When people around me were declaring Chapter XXXX bankruptcy, I stuck it out and fought back in order to pay back loans. My house went into foreclosure three times and three times I saved it from this fate by providing mountains of bank-requested documentation, many times the day before the house went to auction. The mortgage bank purposely lost the mountains of documents they requested and in the process protracted the home loan modification period to well over two years. Two years of suffering, not knowing whether the next month we would still be living in the same home. And this is after cooperating with the bank and yielding to their every whim. Regardless, I am so grateful of having achieved this and of my clawing back from a situation that forced others not as fortunate to fall. Tragically some of my debts went without recourse and I lamentably could not pay them back. This credit card debt is one of them. The reason I stated the best description of the issue as being communication tactics is as follows. I noticed that collection letters this company has sent to me appear to be from supposedly the same debt collection company. What I found is that each letter comes from a different entity that is at least outwardly, similarly labeled but importantly different in their content. If you are not careful, you could fall for XXXX of the XXXX statements and options they present to the you, the debtor. For example on one form, they state that because of the age of the debt, they wo n't sue me. On another letter, that is still under the same name overall but a different direct entity, they make no mention of not suing. In fact in this version of the letter they threaten to pursue a judgement. So which is it? Either they wo n't sue me or they will depending on the very vague statement that depends on which form you receive and at which point in the timeline? These are very disturbing tactics that quiet frankly took me an inordinately long time of analysis to catch. They do stress however that they will continue to report it to the credit reporting agency if I do n't pay the balance that I owe plus the interest accrued. I have enclosed images of what they send me routinely in the mail so the reader can compare both communications ; in my opinion very deceitful and dishonest. I can not help but wonder how many unsuspecting people have been the victim of this form of manipulation of the written media. This must be stopped!! These are legal firms with bar-authorized attorney carrying out this form of misrepresentation. Your group could do a great deal to correct this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I received letters covering various bank accounts at PNC bank informing me that after over 30 plus years as a loyal customer that they were closing all my accounts, checking, savings, money market, and credit card. Reason for the closures was not given but I assume it is the result of felony guilty pleas in Federal Court in XXXX. PNC in late XXXX sent out the letters closing my accounts creating much XXXX as I was then forced to open new accounts with another institution.Why did they wait 7 years AFTER the plea to address their concerns? Please help me understand why they are permitted to take this type action. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello, I 'm in the process of purchasing a home in NJ and reached out to PNC Mortgage to secure financing. The seller of the property had very strict requirements for our contract ( e.g. I had to deposit a {$10000.00} non-refundable deposit ) and so we were still in the process of negotiating. Before finalizing the purchase contract, I explained the situation to XXXX XXXX at PNC Mortgage and told him my only concern from a PNC perspective is whether or not the property would appraise at the purchase price. I understand he could not tell me definitively if it would or would not appraise at the time of the mortgage application but when I explained my concerns to him, I was told " based on my experience financing units in your building, I 'm XXXX certain it will appraise. '' I explained to XXXX that I could barely afford this property and that I could not afford to pay even {$1.00} out of pocket more at closing if the property did not appraise. But, having this statement reiterated and assured to me multiple times, made me finalize the contract under the terms of the seller. Soon after the contract was finalized, the PNC appraisal came in and it was {$50000.00} less than the purchase price. I am very upset by this outcome as I felt XXXX deceived me into believing it was " XXXX certain '' that the property would appraise at the purchase price. That said, b/c of the significant difference in appraised value, I was unable to pursue the home purchase and lost my {$10000.00} deposit which I would have never agreed to if it was n't for the " XXXX certain '' statement. PNC Mortgage persuaded me into believing something that was not true and b/c it was such a significant deviation from the expected appraisal, I believe they should take accountability for this negative outcome. Again, I lost {$10000.00} and it was due to a mortgage salesman trying to sell me a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX : XXXX XX/XX/XXXX Collection Information Bureau , Inc . 
XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : XXXXor any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC XXXX DOB XX/XX/XXXX ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 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: TX

Complaint narrative:
Paid off ALLIANCEONE account still showing up as open

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Podium Mortgage Capital LLC
State: OR

Complaint narrative:
XXXX is usurping RESPA Guideline and spending large amounts of money in marketing to the Realtor community.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 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: Alliance One, Inc.
State: WA

Complaint narrative:
I received a parking collection notice for parking tickets at XXXX XXXX XXXX after I had already responded to XXXX stating I was not a student there and was a commuter parking legally. 
I then received a collection notice from Alliance One Resources Management Inc. in XXXX ' 2015 which I also responded within XXXX days to dispute claim. 
I received final result of dispute early XXXX and attempted to pay Alliance on XXXX XXXX but the male ( refused to give name ) stated I had no debt under my name or social security number. I called school to verify parking tickets and paid Alliance over phone on XXXX XXXX under my vehicle license plate since the male at Alliance previously stated I had nothing under my name or social. 
This was reported to credit report as in collections from Alliance when XXXX days had never passed without item being in dispute. 
This was reported as collection as of XXXX ' 2015 while the charge was still in dispute until XXXX 2015. 
When I initially called Alliance they stated I had no bill to pay. 
Upon checking my credit report I found a collection after I had paid Alliance on my XXXX attempt. 
This collection item was not on my credit file until XXXX after I paid my bill that had just finished the dispute process. 

The male I spoke to at Alliance One Resources Management Inc. in XXXX XXXX was very unprofessional and I believe this may have been done as retaliation for me hanging up on him after paying my bill and being XXXX with him as he was so rude on the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Profit Services Group
State: NC

Complaint narrative:
I received XXXX phone calls within XXXX hours about a debt that I have apparently owed for over XXXX years but have not received any mail notification of at my present or prior address and have not spoken to anyone about until the first phone call last night where I felt attacked. I was threatened to have to pay almost {$1000.00} by Friday or they are going to continue with legal action. How is this right?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-24 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Security Credit Services, LLC
State: FL

Complaint narrative:
I have attempted several times in writing to communicate with the company and ask them to furnish my signature proving I owe the debt. I have gotten no response from this company to show validity of this debt. I have waited over 60 days with no repsonse

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Indicated committed crime not paying
Company: CNG FINANCIAL CORPORATION
State: MI

Complaint narrative:
Being accused of check fraud for a payday loan that was n't paid. When the submitted my post dated check it came back as NSF and later when submitted my account was closed by the bank and so therefore they claim I 'm commiting check fraud by a closed bank account and I will face civil charges and go to jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 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: I.Q. DATA INTERNATIONAL, INC.
State: AZ

Complaint narrative:
An apartment complex ( XXXX XXXX XXXX ) claimed that I had guaranteed a rental and I explained to them that I had n't. They had a fake form with a fake notary. I explained this to them and they said that even though the notary was n't real they still wanted me to pay them at least 50 % of the amount they said was owed. Naturally i refused. The next thing that occurred was a phone call from this IQ data stating that I owed money to them. I patiently explained that I did not owe any money, that there was n't anything legally ( contract ) saying I did and that I would appreciate it if they contacted XXXX XXXX XXXX. They then placed a fraudulent collections amount on my XXXX, XXXX accounts. I disputed the experian report that listed I Q data. The dispute came back today and it is still listed on my credit report. No legal documentation exists so i am curious as to how experian looked into my dispute and IQ Data provided nothing to support me owing any money. This certainly seems like a complete scam. How can experian leave it on my credit report without a judgement, or anything that is a legitimate contract? It seems like I am being forced to exert enormous amounts of energy and time because several large companies do not care about right and wrong. I also feel as though XXXX is complicit because they clearly did not do any research and did not have anything resembling any type of judgement or contract yet they left it on my credit report. Please help

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 2016-02-15 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: IL

Complaint narrative:
On XXXX XXXX, I contacted Check-N-Go ; to inform them that I could n't pay the remaining of my Loan ( {$400.00} ) that is scheduled for TODAY ( XXXX XXXX ) ; due to the fact my Checking Account that is linked to my Debit Account was hacked. I was told by XXXX ( Customer Service Representative ) to contact on Monday, XXXX XXXX to speak with a representative to schedule the payment for a different Date. When I spoke to a Representative Today ( XXXX ), I was told the funds were already taken out ; after I had stated that when I was to schedule the payment, I was to contact Check-N-Go on Monday, XXXX XXXX personally to schedule the final payment. I did NOT authorize Check-N-Go to automatically take the funds out of my Debit Card. Therefore, I am filing this complaint as Check-N-Go showed complete disregard for my request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 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: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I was unaware of this balance until i pulled my credit report. I provided a forwarding address when i moved from XXXX XXXX but i never received an itemized bill or any correspondence therefore I was lead to believe everything was okay. After seeing this on my credit I called the properties management company to ask what the balance was for I was then told they could not help me since it was now in collections. After being told this I mailed a letter to IQ DATA INT asking them to provide proof of this debt by sending me the following : What the money you say I owe is for ; Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

IQ DATA INTI has never responded to my request.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation