vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Reliant Capital Solutions, LLC
State: IN

Complaint narrative:
Reliant Capital Solutions LLC XXXX contacted me for a loan that 's not mine. I sent them dispute letters but they still reported my account to credit bureau and that 's marring my credit report. They have not provided me any proof that the loan is mine. They keep sending me a bill which is not mine.

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 2015-04-21 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: OH

Complaint narrative:
I received a debt collection notice for a speeding camera ticket. I responded immediately and requesting the following : Prove that you are licensed to collect in the state of OhioProvide me with your license numbers and a Registered Agent 's name 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 ; Prove the Statute of Limitations has not expired on this account ; The response from the collection contained none of the requested information. The response stated that their investigation was complete and that I owe what they say I owe, along with a photo of my license plate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial Services is inaccurately reporting a repossession that occurred XX/XX/XXXX. I have spoken with them, written them letters, and XXXX has also called them. At first I thought this was an honest mistake on their part, however, this has gotten worse after I filed a complaint with CFPB XX/XX/XXXX. In fact that lady I spoke with XXXX XXXX brought up the complaint. At this point I believe that they are re-aging the debt in an attempt to collect it. This is in violation of the FCRA. Please see the letters and my credit report that has showed the continue to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC
State: PA

Complaint narrative:
I get a phone call today from a number that I did not recognize. I forwarded it to voicemail. The message that was left said that this was a final notice of escalation. I returned the call, the woman, XXXX XXXX, said that I had committed a federal crime and that I could have jail time. I had to pay a debtor that I have not known about previously. When I attempted to talk to her, she would not tell me what company she worked for. She also accused me of being in love with my ex who opened multiple accounts in my name without my knowledge. I have been clearing this up for the past 3 years. She also called multiple people that I am related to, including my boyfriend, my cousin 's husband ( never lived with ), my grandmother ( never lived with ) to date. She called from XXXX. I attempted to call again. No one answered. I was put through to a " XXXX 's '' voicemail.

Company response to consumer: Closed
Consumer complaint received 2016-12-02 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I have been set up for payment reminders and online banking/statements for all of the accounts I have with PNC bank. I regularly receive statements and activity for my checking account. However I keep getting late fees for my credit card account because their system does not send the reminders to my phone or email even though their website states I am actively enrolled. When I called in to inquire, they just transfer me around and no one can figure out why I am not receiving credit card statements or payment reminders and I have had to pay multiple fees because of this. Payment reminders are my preferred method of keeping up with my bills. Every other company can send reminders except PNC.

Company response to consumer: Closed
Consumer complaint received 2015-03-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My mortgage is owned by XXXX and serviced by PNC Mortgage. My Loan # XXXX. I have been working with PNC for XXXX years now to get a Making home affordable loan modification to save my home from forclosure with no success. I have reviewed all the information and based on guidelines should qualify. PNC has been giving me the run around. I have given them all needed documents and they close my file and make me start over. They keep blaming it on the investor guidelines buy wont allow me to speak with anyone from XXXX. I am never given clear denial reasons. Please help me save my home from forclosure. I am stressing out over this long process that leads no where. I have once again submitted another making home affordable application on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: MO

Complaint narrative:
Some unidentified agency claiming an association to student loan processing has been robot calling me on a weekly basis for several months WITHOUT identifying who they are! 

I have XXXX instances of this contact recorded on my telephone system. 

The robot states they are attempting to contact my son. When I 've contacted my son, he states that he has ALREADY been in touch with this organization. However, I 've seen NO evidence on my end that they are communicating his activity internally. 

In the past 2 months, I have talked personally to their representative one time and provided him with : - A statement that my XXXX year old son is working with them already - That I have NO responsibility for ANY of his financial commitments - That they MUST cease and desist ALL efforts to contact him through me - That if they failed to heed my request, I would have no choice but to report him for creditor harassment - A lawsuit for mental anguish is a possibility due to disturbance of my peace in my own home resulting out of the non-stop nature of their robot calling - I have NO evidence that this organization is legitimate, so I will NOT provide contact information for my son In addition to this recent personal conversation, I have also " pressed 1 '' as suggested by the robot 's script twice in the past three weeks to respond that I am not the correct person to contact. Each time, pressing " 1 '' has resulted in being routed to a voicemail system where I have reiterated the same information as in the bulletted list provided previously in this complaint. 

It is my belief that I have been more than patient in trying to get these people off of MY back, therefore I am making this step in an effort to get relief. 

If they continue harassing me, I will seek legal counsel in an effort to speak their language by seeking monetary compensation for their harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: IL

Complaint narrative:
On XX/XX/XXXX I came to a dealer of XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, IL XXXX, I purchased a car for {$27000.00} a XXXX XXXX serial no. XXXX. After signing the installment contract at XXXX XXXX the very next day which would be XX/XX/XXXX I came into the dealer to exercise my right to rescind the contract within XXXX hours of the signing this contract after I noticed that the dealer and the co-conspirator XXXX Financial Services committed appraisal fraud. During XX/XX/XXXX I came into the dealer to speak to the finance manager and informed him that I was exercising my right to rescind the loan he informed me that I could not rescind the loan because it was funded. I then insisted that the law was clear that regardless of the funding I had XXXX hours by state law to rescind the contract they then started harassing me regarding rescinding the contract and the deal and to prove that they were wrong I went to XXXX and got an appraisal on the car that they sold me and the appraisal offer was {$14000.00}. I am victim of predatory lending, appraisal fraud and a victim of being denied my right to rescind a contract within the XXXX hours that the law provides. The refused to follow the laws that are in place to protect consumers. As a consumer I have the right to rescind the contract and also when I spoke to XXXX XXXX XXXX he informed me that that right was not available to me because the loan was funded. I then informed him that that was a violation of the law, and he ignored my request to contact management regarding the appraisal fraud and the right to rescind. I will be providing a copy of the installment contract, the retail buyers order and a copy of the XXXX Appraisal. I also contacted XXXX financial services, and the letter dated XX/XX/XXXX they basically said they took an assignment of the contract and that is completely wrong because they funded the loan and they would not provide me a copy of the appraisal or the loan value guidelines to fund this loan. What I have here is a dealer that is violating the law and victimizing consumers and its coconspirator XXXX Financial Services engaging in this type of consumer victimization. In their correspondence they provided me a summary of the XXXX Used Car Guide regarding the XXXX XXXX adjustment values, that report on the bottom it said appraised value item XXXX in other words they went to a website and printed a value sheet and attached it to the correspondence sheet.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I made a late payment to a signature credit line account in XXXX 2015 XXXX my fault XXXX and XXXX 2015 ( due to an error by a branch employee ). I have held the account for 10 years at an interest rate of approximately 9 %. In XXXX of 2015 the bank increase the APR to the penalty rate of 24.99 %. I called to get an explanation and they told me that my contract gives them the right to increase my payment after XXXX late payment. Per XXXX XXXX XXXX ( a ), " no creditor may increase any annual percentage rate ... except as permitted under subsection XXXX b ) '' parts XXXX of section XXXX b ) do not apply to my circumstances but XXXX XXXX ) allows for such an increase " due solely to the fact that a minimum payment by the obligor has not been received by the creditor within 60 days after the due date for such payment, provided that the creditor shall '' provide notice not later than 45 days prior to the increase stating the reason for the increase. I spoke to the bank but they asserted that their contract with me permits them to apply such an increase upon the happening of XXXX ate payment. I asked for a copy of my contract which they only agreed to send by paper mail. The bank only offered to " escalate '' the matter for me and stated that they could not put me in contact with a person who could provide answers on the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I am writing this complaint on behalf of my old Mortgage Foreclosure loan # XXXX with PNC Bank. I was scheduled for a foreclosure back in XXXX. However now I am being penalize for a new purchase with FHA. THere is a XXXX alert still on my account until XXXX XXXX. I understand the 3 year waiting period however, I foreclosed on my Property in XXXX however, there was a Security Deed error. The Security Deed was never signed by the Notary so I was Summons to have the Deed Reformed in XXXX. Due to error of title company it took another year to have the Superior Court of XXXX XXXX GA reform the document. The notary has died and was unable to reform the document. Now I am unable to close on my new property and in the process of losing my earnest money, contract and other monies. I am requesting a urgent request to have FHA remove my XXXX alert. My XXXX case # is XXXX. I will add the summons that was filed against me and other documentation for the release of this negligence of the mortgage company. I had a attorney involved where we requested a removed of the deliquency but no results. ThanksXXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
I use, because I am offered no option, a debit card managed by PNC Bank for the unemployment compensation I currently receive from the state of Indiana. I have no desire to ever use a debit card. I believe they are intended to facilitate the fleecing of users in as many ways as possible as evidenced by the initial practice of banks to allow users to exceed the available balance only to be charged exorbitant overdraft fees for having exceeded the available balance. There is, apparently, a charge of XXXX cents automatically deducted from my balance should I dare to call the XXXX number listed on the card, even when just to use the automated system to verify I have kept proper track of the balance. When I discovered XXXX cents had been deducted from my balance, I called the number on the card and spoke with an operator. For this I was charged another XXXX cents. I was told, effectively, 'too bad ' when I argued the charge was NOT disclosed on the card where the phone number appears and nor had I been made aware of it at any time in the past. I said this constituted fraud and I asked to speak with a supervisor and was told " no. '' When I did not give up and asked repeatedly to speak with someone in a position of authority, she hung up on me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear XXXX : 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 DOCTORS BUSINESS BUREAU 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 : DOCTORS BUSINESS BUREA or 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, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-25 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NE

Complaint narrative:
In XXXX my father passed away and left the house that he had a mortgage on to me in his will that went through legal probate and the house was transferred to me through the courts. My husband and I never re-financed the loan into our names for we were not informed to do so it was my thought the mortgage would be legally put into our names by XXXX who at the time has the servicing of the loan. They informed us that we could do a loan modification and then after a few months told us that was not possible because we were not on the loan, then they suggested assuming the loan and again after a few months told us the at loan was not assumable. The Truth-In- Lending only states not assumable by a buyer, we were not buyers but legal heirs by law. Then my husband and I filed Ch XXXX Bankruptcy to avoid foreclosure by XXXX. Then it was sold to Select Portfolio Servicing , Inc, and we have dealing with them now for 2 years and getting the same run around. We hired a company to help us with reconstructing the loan into our names at a lower interest rate so that we could start making payments. We were not making payments for the mortgage was under a deceased persons SS # and we would not get the interest tax break. It was not for a lack of trying to get this loan into our names. Now SPS has set a foreclosure date for XXXX/XXXX/XXXX and will not postpone even though we received a letter on the XXXX or XXXX of XXXX telling us they have receive our inquiry and would be contact with us within 20 days of receiving the information which would be the XXXX/XXXX/XXXX. After speaking with a manager of SPS along with an analyst of the company we hired to help us with this we were told the sale was going forward on the XXXX and that the letter we received is a computer generated letter that is printed whenever data is entered into the computer that new documentation has been received. This is a deceptive practice on the part of the loan servicing bank and should be illegal. This gives the people facing foreclosure false and misleading hope. Even the XXXX the analyst with the company that we hired agreed. Our house is still for foreclosure on XXXX/XXXX/XXXX and SPS had the power to stop it to look over the documents and did not do so. This is wrong.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: FL

Complaint narrative:
A person claiming to represent Alliance One debt collection agency called me from the phone number XXXX. They claimed I owed {$47.00} for a past due debt owed to the NY Port Authority related to XXXX. They claimed that both they and the NY Port Authority had sent bills to an address but did not give the exact street address to which the bills were sent. 

I have n't lived in NY for several years and I am unaware of any debts owed to XXXX. I suspect they are either mistaken about me owing a debt or they are making the debt up to see if I 'll pay them money. If I actually owe a debt I am happy to pay it if they will provide written proof of the debt. They should have to send proof of the debt to my address. They should not be calling me asking me for information about where I live or to verify additional information about me. It is unfair and unreasonable for them to be able to claim they sent a bill to an address where I do not live and expect me to pay the bill and whatever fees they chose to add onto the supposed bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-24 00:00:00
Product: Payday loan — 
Issue: Applied for loan/did not receive money — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
applied for loan with P N C financial, they required I pay for loan insurance after the loan was approved and prior to funds being deposited in my bank, after they recived my money they informed me I would need to make another payment to have my approved loan clear the bank, I said no, requested a refund of my so called insurance payment and was informed to make another payment to them and then they could get me a refund of my initial payment plus a payment to refund that payment, so they have XXXX XXXX dollars and tell me I need to pay more to get the refund of my money

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I opened up an account at PNC XX/XX/XXXX when I got my second job so that I could put money into that account and save easier. So I set up my account so my direct deposit would go into that account. Well I never had more then XXXX in the account. XX/XX/XXXX was the last time I took out {$100.00} leaving me with a balance of {$5.00}. Then I do n't look at the account again until I get a forged check with my name on it for {$900.00} that was put into my account. I do n't know how anyone got into my account to deposit and the bank obviously rejcted it. Then I got a letter in the mail telling me that I have a -XXXX and some change. So I go on my banking app and see that my account was hacked. So I called the bank and their response was because it took me too long to call them about the forged check that I compromised my account. So I called them up and I got the run around from them. I was told that I had to go make a police report so I went and did that at my local police deparmtnet and the policeman Officer XXXX of XXXX County police on XXXX XXXX, XXXX, told me to have the bank call them because they were unsure of twhat what had happened they did n't know why the bank had sent me there when there was nothing they could do. So I call back up, after talking to XXXX the day before to talking to XXXX now, and she directed me to the Fraud department of the bank who was told me that bank had charged it off, and that XXXX would be contacting me. And since then no one has contacte me. No one can tell me why they allowed someone taohack into my account and withdraw more then XXXX when there was little to nothing in the account. So now I am being charged with the balance that I had nothing to do with. This bank is so unprofessional

Company response to consumer: Closed with monetary relief