vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-24 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank mailed me a physical letter advertising my pre-approval for a new credit card with a promotional bonus of { {$100.00} } upon meeting certain requirements. After meeting the requirements no { {$100.00} } bonus was received. I spoke to a PNC Bank ( 800 number ), the Branch ( both in person and on the phone ), then the their escalation department and then their department that oversees escalation to further escalate the escalation. They are aware of the offer, but state that I am not eligible to receive the { {$100.00} } offer because my wife with a shared checking account had previously received a bonus year ( s ) prior. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified. It does specifically state that, " If multiple credit cards are opened with the same primary borrower, only XXXX credit card account will be eligible for the {$100.00} offer. '' I have never applied for PNC Credit Card before so I should be eligible for the {$100.00} offer. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line. Till this day, both my wife and I receive numerous PNC Credit Card Offers with bonus. If their rules had stated, WHICH IT DID NOT, that only XXXX credit card bonus per household may be eligible and given, then I would not have applied for the credit card. I believe this is false advertising among other things. 

Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
had a check bounce in XX/XX/XXXX from my pnc account.they paid it and within 2 months they closed my account out.would n't let me close out my checking.but closed out my credit debit card never gave me all my money.and then found XXXX other cards from an account from XXXX i had at their bank that had stolen checks on it that they said they closed out n never did.one is good til XXXX n the other is good til XXXX.i did n't keep that account going and had just invested in phone cards and reload prepaid cards.now my credit score is XXXX and was asked to contact you by spectrum.i checked my score a few wks ago and it said i bought a house in XXXX and a new car in XXXX.i didn't.this is the XXXX time i 've been hacked into and they were surpose to have flagged me from then.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Nationstar mortgage has incorrectly calculated my correct payment for the coming year I received an escrow analysis dated XXXX/XXXX/16 that incorrectly estimated my payment On that analysis it shows the following : & gt ; After the loan was transferred to Nationstar, the starting escrow balance was {$2900.00} & gt ; In XXXX two payments for Borrower Paid MI were made One for {$170.00} and another for {$1900.00} & gt ; There was an estimated Borrower MI Payment shown projected to be made in XXXX and included in the analysis of {$2100.00}. 
& gt ; It was incorrect and should not have been included in the estimate and that Payment was never made. Further evidence of the error is that the Escrow Analysis from XXXX showed that the anticipated balance in the account would be a NEGATIVE ( {$1200.00} ) & gt ; The fact is that the account is Positive {$2000.00} or so ... shows that the second borrower MI payment was n't made. 
& gt ; Point in fact, there is no need for that payment to be made twice in one year .... 
As a result my payment has increased {$170.00} due to Nationstar mismanaging my account. I have lived in the home now for 10 plus years, the loan has changed hands a few times with no changes or problems like this. My home insurance has gone down XXXX and the property taxes have remained the same. After initiating this concern to Nationstar Mortgage back in XXXX, there has been no resolution to date despite many calls to customer service. 
There contact Information for complaints is as follows : XXXXXXXXXXXX thank you for your time in this matter. you can reach me via email at this address or cell phone at XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC.
State: DE

Complaint narrative:
Submitted a dispute to Equifax for XXXX # XXXX and XXXX # XXXX - Asked them to provide documentation showing that this information is in fact my account and correct, since I know it is not and still have not gotten anything but the standard " Verified '' response. As a consumer it is my right to know who was spoken to, who verified the information, and to send me a copy of all information. None of that was done!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: TENET HEALTHCARE CORPORATION
State: NE

Complaint narrative:
I have a collection that was filed after my bankruptcy. It was filed by Central Financial Control who also does business as Syndicated office systems. I disputed ( XXXX ) and had the collection removed that was filed under central financial control and they re-opened it as Syndicated office systems ( XXXX ). Then they opened again with XXXX as Central Financial Control. I have contacted them and sent them copies of my Bankruptcy and all information and they refuse to remove it. It is sitting as an open collection. THere are no account numbers or dollar amounts on either one. They say that it was last reported XX/XX/2015, yet the collection was n't opened until XXXX, this date has also changed as the original open date was XX/XX/2015

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ

Complaint narrative:
Bank of America drew on personal credit line and even exceeded credit limit to satisfy judgment against a company that I was an employee of.

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 2017-03-22 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA

Complaint narrative:
1. Received a letter from Bank of America dated XX/XX/XXXX to do a short sale. They allowed 15 days ( until XX/XX/XXXX ) to submit appropriate documents. 
2. But our file was forwarded to foreclosure attorney ( XXXX ) on XX/XX/XXXX. Received a letter from XXXX dated XX/XX/XXXX. 
3. Spoke with XXXX of B of A on XX/XX/XXXX about reinstatement calculation. She stated a payment of {$26000.00} need to be received by XX/XX/XXXX in order to avoid fees. 
4. Payment of {$26000.00} was sent and received by B of A on XX/XX/XXXX. 
After making the reinstatement payment, I noticed following charges on my XX/XX/XXXX statement : 5. On XX/XX/XXXX, I was charged with attorney/trustee fee of {$420.00}. 
6. On XX/XX/XXXX, I was charged with title fee of {$740.00}. 
7. On XX/XX/XXXX, I was charged with recording fee of {$24.00}. 
8. On XX/XX/XXXX, spoke with XXXX of B of A disputing above charges. She said to write a complaint letter and fax to XXXX. 
9. On XX/XX/XXXX, I sent a fax to B of A disputing above charges and requested copy of invoice. 
10. Received a letter dated XX/XX/XXXX from B of A indicating they have initiated a loan modification process instead of responding to my complaint. 
I noticed following charges on my XX/XX/XXXX statement : 11. On XX/XX/XXXX, I was charged with another attorney/trustee fee of {$780.00} 12. On XX/XX/XXXX, I was charged with mailing fee of {$38.00} 13. Received another appraisal report from B of A dated XX/XX/XXXX for loan modification which I did not request.

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 2017-03-28 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
I requested a 12 month forbearance towards my loan on XX/XX/2016. I received and email on XX/XX/2016 stating that my forbearance was applied. However, XXXX is has reported late payments over & gt ; 120 days which is inaccurate and causing a strain on my credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: TX

Complaint narrative:
XXXX did not provide me XXXX. I overpaid interest. Ditech collected late fees for over two years and payments for over two years from XXXX. But, it claims it is not accountable for interest in XX/XX/2016. I paid interests of {$6300.00} in XX/XX/2016, is {$1300.00} in overpaid interest. 

Ditech does whatever it can to create a hardship to facilitate a default.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Prepaid card — Payroll card
Issue: Unauthorized transactions/trans. issues — 
Company: REGIONS FINANCIAL CORPORATION
State: CA

Complaint narrative:
Someone used my prepaid card. I contacted them immediately and told them that I was working at the moment, and I asked them to stop the transactions. Ive already sent them proof. But they told me to speak to the store, and the store told me that they cant do anything. Several days have gone by nowthis happened on XX/XX/2016, and I still dont have an answer.

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 2017-02-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Resurgent Capital Services L.P.
State: CA

Complaint narrative:
LVNV funding continues to try to collect a debt that 's not mine. I do not know where the account has come from. The debt on this account is for XXXX for XXXX. This debt has been previously removed before.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
I have submitted several disputes to Experian for over 6 months now ; disputing the inaccurate, misleading, and unverifiable information listed on my credit report from multiple creditors. I have asked Experian on multiple accounts to remove any and all addresses, as well as personal information that does not belong to me, nor that I have ever lived at, and Experian will not acknowledge my request. Experian has continuously sent me a response to every dispute I send them, almost immediately refusing to thoroughly investigate the accounts because I have " previously '' disputed the accounts and they came back verified. My initial dispute was submitted in XXXX 2015. I have sent a dispute every month since then, re-disputing the accounts with more information, or with a different reason as to why these accounts should be removed immediately. I have also requested method of verification, as well as proof of verification, and they have completely disregarded my request and thrown out my investigations entirely. I do not know where to begin in regards to having this matter resolved as I am constantly having to face an uphill battle with a company who is proving they are not abiding by the law and completing a full and thorough investigation. I am requesting that you please look into this matter and have Experian complete a full and thorough investigation of the accounts listed in the attached letter. I have sent them certified/registered mail with return receipt every month, and I know they have received my disputes because they reply back with the letter indicating the dispute will be disregarded to being previously investigated. Which I am aware of, but I am giving a completely different dispute reason every time. Please assist. I thank you for your time and help on this matter. Under Section 611 ( 5 ) ( A ) of the FCRA - they are required to " ... promptly delete all information which can not be verified '' that I have disputed. Please resolve this manner as soon as possible. Thank you.

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 2017-03-06 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: Experian Information Solutions Inc.
State: MO

Complaint narrative:
Send credit bureau a letter informing them that I received a copy of my credit report. I asked that they send me copies that they have in their files as of this date that they used to verify the accuracy of the accounts below. My letter stated the following : Under the Fair Credit Reporting Act 15 U.S.C 1681g I have the right to demand that they disclose to me all of the documents that they have recorded and retained in their files at the time of the request concerning the accounts that they are reporting in my credit report. Please do n't respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please Delete Them Immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties are damaging my reputation and credit worthiness. Under the FCRA15 U.S.C 1681i, all Unverified Accounts Must Be Promptly Deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report. 
Please provide me with a copy of an updated and corrected credit report showing these items removed. 
I demand the following accounts be properly verified or removed immediately. 
1. National account sys account number xxxx unverified account 2.XXXX account number XXXX Unverified account 3.XXXX Collection Agency Account number XXXX Unverified account *NOTE : Please remove all non account holding inquiries over 30 days old. 
I attached a copy of my social security card and drivers license and sent XXXX Certified Mail

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 2017-03-10 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA

Complaint narrative:
please find attached the FTC application and the dispute letter which also has been sent to transunion many times, the account in question has no delinquency, specially if the creditors letter ( attached ) is the proof, please find attached the creditors letter as well, which they are able to remove the negative from my credit. 
thank you for your help

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 2017-03-08 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: DISCOVER BANK
State: WA

Complaint narrative:
At the beginning of this month, after receiving several offers from Discover Card, I went to the website and applied, using the invitation number on my correspondence. I got approved within minutes and got my card today in the mail. Everything on the paperwork that came with the card is the same as the information that was on the invitation except the APR. The invitation stated that my APR would " be 13.49 % to 16.49 % based on your creditworthiness ''. But my paperwork I got with the actual card, like I already stated everything was the same except this. Today 's APR is 19.49 %. 
I called to try to find out what happened, and I was told that since several invitations had been sent to me, that I apparently used the " wrong invitation number '' when I applied online. 
I am certain that I did not do that. I am certain that I used the paperwork that came with the invitation that had the lower interest rate. I had thrown the other away. 
And in today 's mail, along with the actual card and the paperwork that states a different APR than the invitation did, I got yet another invitation from Discover with the rate of 13.49 % to 16.49 %! 
I was told that I could re-apply, but there was no guarantee that I would be approved this time. 
That kind of seems like a bait and switch. 
I would attach the paperwork I have to prove this, but my printer wants to do a " cloud '' thing, and I do n't know how to do that. I would be willing to make copies, something I do know how to do, and send them to you. 
I have used the card to do a balance transfer as my car broke down and the interest on the card that I had to put it on, is pretty high. The new Discover card has a 0 % APR for the first 14 months. I hope doing this does n't affect my ability to take action against what they have done. 
I will await your reply. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL

Complaint narrative:
I have been banking with capital one 360 over a year now checking and savigs. Always had funds deposited by XXXX in my user names and never been a problem until XX/XX/2017 I received an email stating my account has been closed and was given a phone number to call. On XX/XX/2017, I spoke with Manager XXXX from customer service department and I advised him of the situation. Then he transferred me to security department. I spoke with XXXX and he advised that due to deposit names not matching they decided to close all my account and that the monies will not be released. They stated they not able to verify the usernames that was deposited into my account. Overtime I saved a total of XXXX in my capital one accounts.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA

Complaint narrative:
I disputed my inaccurate XXXX item with TransUnion. It was inaccurate because the high credit amount was different from the balance. Both have to be the same amount if the past due amount is XXXX, which it was. Anyone could look at the item and see it was inaccurate, without information from the furnisher. TransUnion made no effort to investigate. Please delete this item.

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 2017-03-27 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: ALLY FINANCIAL INC.
State: MO

Complaint narrative:
The caller was yelling at me and continued to cut me off and kept raising her voice

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 2017-02-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: 1st Franklin Financial Corporation
State: AL

Complaint narrative:
I lost my job and went 3 months without pay. I still paid until money ran out. I told manager twice about my situation. He agreed for me to pay what I can when I get paid. So I paid at times I had the money. It may have been {$50.00} or {$100.00} but I have been paying them. I am behind on the loan and I know and understand this but I am paying when I am able and they are accepting the money. They continuously call my parents home phone which I and they have asked repeadily to stop because I do not live there and they have nothing to do with the loan. They even have my new address in which they have sent mail to me. They call me continuously telling me they can no longer accept the {$50.00} payments that I must bring the loan up to date. This ridicious because I have lost a job and started another that the income is less than half of what my job was at the time of the loan. I pay what I can which is more than paying nothing but yet I am still threatened and my phone is constantly ringing from these people which is nothing but harrassment. I want them to stop call me and stop calling my parents home and not to call my job.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Neighborhood Assistance Corporation of America ("NACA")
State: CA

Complaint narrative:
on XXXX/XXXX/XXXX I attended a workshop where I got information about the NACA program on XXXX/XXXX/XXXX I got my first appoitment with a loan officer and she pulled my credit report that I paid. at that time I sent her a completed loan application with my incometaxes for XXXX & XXXX with paystubs, bank statement, purchase contract, prelim rpt and authorization for naca to process my loan.and now nobody is responding to my emails. So in XXXX XXXX Seller told me that a real estate agent is involved and going to help but NACA employee are relutant to provide information about the loan to him. Up to this moment I have not been provided with a good faith estimate or any loan info

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation