vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-16 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: FL

Complaint narrative:
Received a call from ( XXXX XXXX ) on my business phone with no message. Called back thinking it was a customer and was forwarded to an unknown extension. Person said I owed XXXX to some bank I do not remember ever doing business with. 
A male voice told me my whole Social security number over the phone, then said the determination has been made to seek judgment. I said I do not respond to threats or scams and he had no business with my personal information. He tried to continue, but I hung up and immediately filed this complaint. My credit has been very good for well over 12 years. No such ( XXXX ) or other is listed anywhere on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I 've been charged an unidentified fee of {$15.00} on XXXX XXXX 2016 titled " CORPORATE ACCOUNT ANALYSIS CHARGE ''. Shortly after it appeared on the account, I contacted PNC business. To suggest they were unhelpful would be an understatement. I contacted my branch manager. She was unresponsive. I contacted PNC business support AGAIN, and once again NOTHING ... no identification as to what the charge is or why it was charged. 

I want the {$15.00} charge removed. I do n't care what it 's for at this point. The lack of " customer '' service for an individual who has been with PNC for a decade and a half is unacceptable and I 'm one more incident away from moving my money to a credit union.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: DISCOVER BANK
State: CA

Complaint narrative:
I am contacting your company due to an issues I have been unable to resolve with Discover Credit Card Customer service. I had a secured credit card in the amount of {$700.00} and I paid off and closed the account in XXXX of 2016. Since then there has been no activity on the account. I am expecting my full refund in the amount of {$700.00} and when I spoke to a representative at discover they advised me I would be getting my refund in the beginning of XXXX 2016. then I called again and now they are advising XXXX 2016. This is very frustrating because those monies are due back to me and it is causing a great financial hardship for me because discover is holding monies that are due to me. I feel it is unfair because I paid the card off in XXXX 2016. I am requesting assistance from your company that I receive my refund immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Last year I was in the market for an apartment and I was researching mortgage rates. I found a good rate at PNC. The rate was better if I opened a PNC bank account. I did so but I did n't intend to use the account. Eventually the real estate transaction fell apart because the seller priced the apartment at {$20000.00} more than its appraisal value so PNC could not honor the loan amount. At that time I had stopped direct deposit on my rent from XXXX XXXX XXXX so I had to pay one month 's rent from PNC. This brought my PNC balance to {$1600.00}. I did not know that under {$2000.00} PNC would charge me {$15.00} per month. I received no online alert stating this. Three months later the bank called me to tell me they had removed {$45.00} from my account. I went on line and discovered that there were numerous automatic alerts in online banking including insufficient funds but this refers to insufficient funds for a check not for PNC 's limits. To get an alert for that the customer has to know that they need to set a balance alert. I am not an irresponsible person. I do n't have any credit card debt or other debts and had I known about the fee I was being charged I would have immediately put money into the account to fix the problem. Luckily {$45.00} was an amount I could afford and I was notified before this went on indefinitely. However, I know that for some of the indigent clients whom I represent losing this amount would be a hardship and could potential cause many problems for them and their families. There are benefits and drawbacks to having everything online but one benefit should be increased protections and safeguards for consumers not fewer of them. If banks are going to be able to charge fees to customers who still have money in their accounts and who have online banking they should have to send an automatic alert stating this fact when it happens. Why should they be able to choose to automatically alert me about insufficient funds but make alerting myself when they withdraw money from an account that still has money in it solely my responsibility? They did not instruct me that I needed to set up this balance alert at the time I opened my account. I trust that the CFPB will act so that banks can not hide this practice by claiming it is the consumer 's responsibility to know every aspect of online banking. Please ensure that customers know when their money is being taken by banks. If they choose not to fix the problem then that is the customer 's fault but if they are not made aware of the problem so that the bank can keep collecting fees that is a problem of corporate malfeasance. I thank you for your work protecting the American consumer and I hope you will address this concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: United Check Recovery Bureau, Inc.
State: CA

Complaint narrative:
XXXX is a transcript of the voicemail that was left for me on my cell phone. 

" My name is XXXX, I 'm investigating a very serious complaint for { my name }. Our client has flagged his name along with as his address and social and I 'm calling from United Check Recovery Bureau, I need to get a statement of intent and notify him of his legal rights. If he wants to voluntarily make restitution on this complaint I need him to contact our pre-legal department at XXXX XXXX XXXX. If I do n't hear from him in a timely manner we will use a government skip tracing tool to locate him we will enter this into the system and have him pursued to the full extent of the law. You have been legally notified. ( Caller hung up XXXX '' The collector also called me at my office. He then disclosed he was calling about " XXXX XXXX. '' He stated the balance that he said that I owe telling me it was charged off in XX/XX/2015. He demanded I make a voluntary resolution to this matter and that it is now in their prelegal department. He was calling me in my office and I had coworkers about. I hung up because he was intimidating me and I could not freely speak at work. He called the office again and my co-worker picked up. I was not available so she tried to take a message and he got angry with her asking why she needed to know and why I could not pick up my phone. She told me about this and she felt harassed. 

I felt threatened and intimidated. Because I have a lawyer handling another matter for me, I forwarded this voicemail to his office. The firm called this company and they refused to speak to the attorney or accept any information showing that they represent me. They also refused to give the law office an address for a fax number.

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 2017-03-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CA

Complaint narrative:
Mortgage servicer was maintaining a rolling late fee accumulation while payments were being made on time. This resulted in the accumulation of {$2700.00} in late fees. There are XXXX occurrences of late fee charges that ranged from {$0.00} to {$860.00}. This accumulation began on or about XXXX of XXXX. 
Mortgage servicer was negligent in maintaining a sufficient escrow account minimum and a monthly funding amount to prevent shortages. This resulted in numerous escrow advances to occur to cover shortages in paying property taxes and home owners insurance. In the process of repaying the escrow advances, the mortgage servicer misrepresented the distribution and allocation of regular monthly payments to repay these escrow advances thus resulting in classifying the mortgage payment as being short. This forced a suspension of remaining funds from the mortgage payment and a late fee to administered. There were XXXX different occurrences of escrow advance repayments processed totaling an amount of {$3500.00} from XXXX of XXXX to XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
In applying for a Home Equity Loan, my bank found a lien on my home from the year 1998. Attached is proof of pay off to companies no longer in existence, but acquired by other companies. XXXX XXXX as shown in attachments was paid {$71000.00} on XXXX. That lien was never released ; security deed is at court house in XXXX XXXX, XXXX, Georgia. XXXX XXXX XXXX and PNC acquired loans from XXXX XXXX and XXXX has investigated and has sent me a letter and per a phone call, that PNC has second part of portfolio from XXXX XXXX, Quote from their letter " We encourage you reach out to PNC who acquired the second batch of loans from XXXX XXXX as my loan was not part of the ones they acquired in first batch. Attached documents should show my stated information. XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2016-01-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Completed refinance application with PNC Mortgage on XXXX XXXX, XXXX. Information provided included : ( 1 ) the consumer 's name, ( 2 ) the consumer 's income, ( 3 ) the consumer 's Social Security number to obtain a credit report, ( 4 ) the property address, ( 5 ) an estimate of the value of the property, and ( 6 ) the mortgage loan amount sought. 

Did not receive disclosures within 3 days as required by law. 

In addition to the above on XXXX XXXX, XXXX, I also sent XXXX personal and business income tax returns, personal and business financial documents, payroll receipts, and all property tax records. I resent two business returns as requested on XXXX XXXX, XXXX. Receipt was confirmed on XXXX XXXX, XXXX. 

Attempted to call the loan officer and his assistant at all their listed phone numbers and then sent an email to both on XXXX XXXX, XXXX requesting the status of the loan application, to which I have received no response and still no disclosures. 

They are in receipt of all my relevant personal financial data and I have not been able to contact them since XXXX XXXX, XXXX by phone or email. 

The PNC loan officer is : XXXX XXXX XXXX Mortgage Loan Officer Supervisor NMLS ID XXXX XXXX XXXX PNC Mortgage XXXX XXXX XXXX XXXX XXXX 
XXXX XXXX. OH XXXX ( p ) XXXX l ( c ) XXXX l ( f ) XXXX XXXXXXXXXXXX and his assistant : Assistant to XXXX XXXX XXXX : XXXX XXXX Mortgage Loan Officer Assistant NMLS ID : XXXX PNC Mortgage ( p ) XXXX ( f ) XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Capital Recovery Corporation
State: CA

Complaint narrative:
I got contact from a debt collector, CR Corp around XXXX 2015 relating to an outstanding debt to Health Net Insurance that was in an investigation phase with the Department of Managed Healthcare. Before the investigation was finalized they called me to collect {$580.00} that I did not owe to XXXX XXXX. Not only was the debt reported to the credit reporting agencies before a decision was made, when I asked them them to stop calling my cell phone and please contact me in writing instead, the continued to call my cell thereafter and then found a number connected to my relative, not related to this account, and contacted them on XXXX other occasions to collect the debt. My relative confirmed that I had resided with her, unknowing who she was talking to, but consistently told them to please stop calling her about my personal business. Now they are still calling her and my cell and sending threatening letters of judgement as of XXXX XXXX, 2015.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I am a customer of PNC Bank. I transferred {$150.00} from checking account to my Credit Card on the XXXX XXXX 2016. I received a confirmation of a successful transfer which I still have, but the money has not been credited to my credit card nor has it been returned to my checking account. I contacted the XXXX PNC Branch where a young lady named XXXX helped me. XXXX spoke with me today and stated no money had been transferred, and that technology is not 100 %. I am citizen that lives paycheck to paycheck, I monitor my money and I cant afford this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: FL

Complaint narrative:
This complaint is for Carrington Mortgage Services. I recently refinanced my loan with them and provided all proper documentation including my home insurance. They did not make proper updates to their records and began sending me letters requesting insurance. After I called more than a half dozen times to correct this, they still increased my mortgage payment to reflect an escrow shortage, even though they escrowed home insurance payments that are already covered by the condo association and owe ME money! I asked for this issue to be escalated for a quick resolution but they continue to send bills reflecting the higher payment. This is the second time this has happened with this mortgage and the last time it took 2 years to get a refund back! Where is MY interest payments on those two years?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: TX

Complaint narrative:
Have XXXX loans with Ford Credit. On monthly statements, late fees are applied after the XXXX day of the month. I have on three occasions had to submit a payment close to the XXXX day of the month, where the payment ends up getting credited after the XXXX. This month, I submitted my payment on Friday night ( XXXX day of the month ) after the XXXX cut-off set by Ford. In the recording prior to making the payment, the automated assistant says payments made on the weekend will be submitted the next business day. In this situation, there is no way to submit a payment on time. The following day I contacted Ford to see if there was another method to make the payment through an agent. The only alternative provided was to submit a payment through XXXX, which would cost {$20.00}. So I either pay {$20.00} to XXXX ( per car ) or {$25.00} to Ford as part of the late fee ( per car ). I decided to proceed with the former and save {$10.00} dollars, but with a lot of aggravation. Note, I tried to make payments on the Ford Credit website and achieved the same outcome last time. I ate the late fees last go around as I did not want to hassle with it. This time I am asking for assistance from the CFPB to push back on behalf of me and other consumers like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I am currently in the process of purchasing a home XXXX. My credit report is showing foreclosed mortgage from PNC that they erroneously recorded with the credit bureaus. Instead of the actual recording as per the deed of trust filed in the XXXX circuit in XX/XX/XXXX - PNC is reporting a late filed date to the credit bureaus of XX/XX/XXXX 

Kindly assist to resolve this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliance One, Inc.
State: TX

Complaint narrative:
I sent a letter to this company requesting written mail correspondence only and no phone calls. This company has called over 5 times since asked not to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Midwest Loan Services, Inc.
State: CA

Complaint narrative:
XXXX people just called me from XXXX. In talking with them I asked if they were recording the conversation ; they said they were. I told them that they had not informed me about that. They seem to think that when they initiate the call they are somehow not responsible to tell the consumer they are recording it. It appears they may have done this at least once back in XXXX, as this person just told me. This all relates to my previous complaint against them : 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 explanation
Consumer complaint received 2016-09-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
alliance one has been misleading me for a number of years now regarding the amount I owe the traffic court of XXXX county. they led me to believe i was eligable for an amnesty for which i sent them {$490.00} which was not amnesty since they claim now i am not qualified for all accounts had been sent to tax board and my wages garnished but as of XXXX/XXXX/16 that account no longer exists thier lawyer said i owed {$9500.00} yet thier office sent bill of $ XXXXand of {$8000.00} and yet i have paid off {$4500.00} lets get whats really owed and whats not I feel i should get a lawyer but with debt this much who can afford one

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
In XXXX 2014, I went to PNC Bank to pay on my loan at the XXXX XXXX, with the Branch Manager who is no longer there ... He mailed my payment, and a month later PNC called me from where the loan was being serviced and stated they did n't get my payment in XXXX ... I explained to them over the phone, that I made the payment with the branch manager at PNC XXXX and they should get in contact with them, and that I would also follow up on my payment ... .I went to the Branch and they said to me we mailed it to the Loan Servicing Dept. and Loan Servicing Dept. at PNC stated they would call the Branch ... I spoke with the XXXX XXXX, and the Branch Manager XXXX said the Loan Servicing Dept. at PNC never called to ask about the mailed payment ... .At this point it 's showing up on my credit reports without my knowledge which violate the fair credit reporting act ... I expect pnc to act in accordance with the fair credit reporting act and delete this account from my credit reports ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX/XXXX/16 approx XXXX, I went to a PNC ATM XXXX XXXX ) inside of a convenience store. The store is located at XXXX XXXX XXXX, XXXX XXXX, PA. I attempted to withdraw {$260.00} from my checking account. I could hear the machine counting the money to dispense, but the door never opened and I never got my money. I stood there for a few minutes, then spoke with the cashier of the store. He stated that service technicians had been in several times that week to service the ATM because it was having issues. I filed a dispute with the bank and was given a provisional credit to my account. The credit was later reversed and they determined that my claim was invalid. They said that the money was dispensed. I filed a second dispute after the credit was reversed and was denied a second time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I financed my XXXX vehicle through PNC Bank XX/XX/2015. It was a new vehicle and i obtained a 2.24 % simple interest rate on the car. Since the loan term was 60 months or more I have been making my regular loan payments as well as additional payments that I have informed Bank personnel were principal only payments. Instead of posting the payments as principal the Bank has been posting them as regular payments and deducting interest from them. Hence the interest being charged on the outstanding is greater than, if the payments were posted correctly. I have contacted the Bank on several occasions. Initially I was told that their system could not account for principal only payments. It is my position their system issues are not a consumer responsibility. I want my payment to be posted as requested.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
I have been called twice to my knowledge from phone number XXXX and it is a recording from XXXX XXXX stating " federal law designates this matter '' stating failure to respond. She said the company is Direct Recovery Services. I am consistently checking my credit report and I am aware of any accounts I have in collection and with whom they are with. There is no DRS listed. They have started calling previous friends and co-workers. This is extremely aggravating and embarrassing for friends and co-workers to deal with. I have no idea how they are getting their numbers especially since I have n't spoken to the previous friends or co-workers in approx. 3 years.

Company response to consumer: Closed