vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: MO

Complaint narrative:
I live in XXXX, Missouri. Tower Loans ( out of Mississippi ) moved to our area about five years ago. I knew that my credit worthiness was low, and I had very few options for a loan except through a sub-prime institution. I received XXXX loans from Tower Loans. I owe Tower Loans over {$5000.00} dollars. XXXX loan is secured by a non-running vehicle. The other is secured by furniture. I got behind on payments because of illness and continued underemployment ( part-time work ) during the last four years. I am not disputing that I owe the money. I want Tower Loans to stop calling my department head 's office to locate me. I have a direct work line with the capacity for private messages. 

I have asked Tower Loans to not call my department head 's office and asked to be transferred to me at my desk. I have a direct line. The loan personnel at Tower Loans said that they could call any office they wanted because they originated the loan, and were not a " debt collection agency. '' I insisted that the law refers to " debt '' in a global manner. I need to know my rights, and if I am misunderstanding the law. I am fine with the calls to my desk phone, but I can not abide by the calls to my department head 's office. Even though my work is part-time, I still need my job. Moreover, I am concerned with this harassing activity. 

Sincerely yours, XXXX XXXX XXXX XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: U.S. Collections West, Inc.
State: TX

Complaint narrative:
I noticed a collection on my credit report I did not recall or remember. I sent them XXXX letters and they just simply sent me a response stating I owe them the debt. Tried calling and the number was disconnected. Tried disputing with the credit bureaus and having little luck there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
They contact an emergency contact name disclosed in my rental agreement

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
As of the end of XXXX 2015, I was no longer on direct deposit through my employer. This was due to some questionable charges through my checking account ; in addition, I am also trying to consolidate debt so my plan had been to close the account and open a new XXXX. I am paid bi-monthly ( the XXXX and last day of the month ) and on XXXX XXXX, XXXX cancelled the deposit from my account at PNC Bank, as planned. Several days later, around XXXX XXXX, the accounting department from my company called me to let me know that PNC had reversed the XXXX transaction so essentially I was paid twice. PNC never contacted me to inquire about the transaction ; any number of scenarios were possible, i.e. what if I was n't working with the same company anymore, or had been fired, etc. I admit that I had not noticed things going awry because my husband was in the hospital at that time and my focus was elsewhere. I contacted PNC customer support immediately to find out the procedure for unraveling this error. My case was sent to their escalation department and I was contacted by a member of that team named XXXX. She left me a voicemail message ( around XXXX XXXX ) and gave me the number to call, along with instructions that I did n't need to speak directly to her, that I could talk to anyone in that department. I returned the call the same day and spoke with XXXX XXXX. I explained what had happened and she was going to look into it and get back to me ; I made sure she had my cell number and work number. I told her to please leave me a message if I did n't pick up that I would call back. That is the last I have ever heard from PNCs escalation department. I have tried calling again but to no avail. In short, there has been no effort by PNC to fix the problem that they created. Compounding things is that I had also opted out of overdraft protection but PNC has continued to let things through the account while collecting outrageous fees. When I questioned them about it I was told that overdraft protection was only for my debit card, which I have not used for a month. I asked that a hold be put on the account so that I could try and unravel the mess but was told I would have to physically go into a branch and ask. This is not convenient for me since they closed the branch that was near my home and I can not just pick up and leave work anytime I would like. 
My employer, while understanding, does n't appreciate these inconveniences and if this is n't resolved soon I fear my job could be in jeopardy which I can ill afford. I feel that contacting the Consumer Financial Protection Bureau is my last hope to ever get resolution.

Company response to consumer: Closed
Consumer complaint received 2016-12-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: MD

Complaint narrative:
I contacted BMW financial about my auto loan and spoke about a payment arrangement that would keep my loan from being 30 days late. I was sick and not working but wanted to protect my credit and let them know it would be late. I was informed by the credit dept that as long as my payment was paid on the XXXX it would not be 30days late. I faithfully paid for several months on the XXXX again advised and directed by different reps. I tried to refinance my home and realized someone had reported i was 3 times 30 days late. BMW financial had reported me 30 days late. I called and explained i spoke to several different reps about my account, and was given the same info. They said oh I see what happen some months have 29 days, XXXX, or 31 days so that would vary. No one relayed that to me and I asked the date to pay. They are not willing to correct what they know they told me. They mislead me and fraudulently misrepresented the status of my account. I 've tried to resolve the issue with them but they will not take any responsibility for the mis information that was forwarded to me several months and adversely affects my credit. Please help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25 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:
I was making a cash deposit at PNC ATM in XXXX, PA and the ATM broke down during the transaction and it did not credit my account and did not give me my money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: AZ

Complaint narrative:
I have loan from Sterns Lending and it started XX/XX/XXXX. I request them to cancel my PMI on XX/XX/XXXX since My LTV is XXXX %. I did not received any notification except that my case has been received and they will get back to me in 5 business days. after that no response. When I called the customer care then they said they are still working my case and they will let me know the decision by XX/XX/XXXX since it is very lengthy process then I asked then if they should be refunding my PMI money which by that time I have make two payments then She said I have to keep paying my PMI and it will not be refunded. I felt betryaed by them since in The email they said 5 business day for response and there is no information that this process will take 2 months of time. during the loan process I was told that I can cancel my mortgage when my LTV reaches XXXX %. But Now I have to pay extra 2 month of PMI because of their long time response. I am not even sure they will cancel my PMI. Probably they may ask for appraisal which would cost me more than paying the PMI.

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 2016-04-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Attempting a short sale. The buyer is a tenant in the property. The relationship was disclosed and short sale lender refusing to process short sale claiming that it is not an arms length transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Wallace Management Company, LLC
State: MO

Complaint narrative:
Empire Finance has harassed me as well as my family and other references about a loan in my name, I have tried to resolve this issue bioth with the local office as well as there corporate office. I also have now been sent harassing letters threatening to sue me, I have now retained legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Only your failure to respond has resulted in your case being processed this call is to inform you that you have one full business day and which to rectify this matter, Please Advise you must call by XXXX to at XXXX XXXX You may Call XXXX again that is XXXX?

Company response to consumer: Closed
Consumer complaint received 2016-02-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: RAB, INC.
State: TX

Complaint narrative:
XXXX XXXX is with RAB, Inc. Collection Agency representing DWR construction comp. He first contacted me on XXXX/XXXX/2016 and indicated they would auction the contents of my home and/or garnish wages to collect the award judgement. Despite having my contact information, he e-mailed and telephoned numerous individuals at work indicated he was " trying to reach me '' regarding a dept collection. He 's also made several threatening calls to my parents ( in their late XXXX ). XXXX XXXX continues to call my office telephone number despite being told not to contact me at work. He knows I 'm consulting with an attorney.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Sometimes medical facilities charge what is considered in Florida a prohibited practice of balance billing. I suspect this collector - the Collection Information Bureau - is calling my home continuously about some related item. At one point I did ask them to stop calling but they keep calling anyway.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I wanted to close my checking account with PNC Bank about a month ago due to the fact they were charging me overdraft fees because my online bill pay was deducting bills only hours before my paycheck was deposited, but it was overdrafting my account. This happened a few times before I gave up and decided to switch banks. XXXX weeks ago, I attempted to close my account and they said I could n't because I had pending charges. I 've gone back every week since, and they have said I still have pending charges. Saturday, XXXX, I went in and they told me I had {$1.00} in my account, but I still could not close my account due to a pending charge. Okay, fine. Today, I woke up and I am {$6.00} OVERDRAWN due to a service charge they hit me with this morning, all for going in to speak to a teller about closing my account. When I called and explained why I was upset, their office XXXX suggested I bring the account to a XXXX balance before coming into the branch office tomorrow to again try to close the account, and she said MAYBE they could refund me the service charge. She said if I did n't add money to this stupid account to bring it to a positive balance, I was subject to a {$39.00} dollar overdraft fee -- the entire reason I wanted to close this account in the first place. This bank is literally out for every single cent they can get off of people. I am underemployed, buried in student loan debt, and I work very hard for my money so paying a ridiculous amount in fees and having to give up time every week to go in and attempt to close an account is really bothersome. Oh, and they wo n't refund my fees, because that 's the entire reason I 'm closing my account down. This bank is manipulative, deceitful, and greedy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
This is additional information for case # XXXX, which I filed last month. 
Someone from PNC Bank emailed me to call her. I have now called XXXX times since her email ( XXXX ), and her phone always goes to voicemail. Because of my travel and meeting schedule, I am not in a position to take unscheduled phone calls during the day, so I 'm not sure if there 's anything else I can do to move this forward. See attached emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I have had a checking and savings account with PNC bank for 6-1/2 years. On XX/XX/XXXX, my husband went into a local branch with me and had his name added to both accounts. On XX/XX/XXXX my husband received 2 letters, both dated XX/XX/XXXX from PNC bank stating that both the checking & savings accounts would be closed on XX/XX/XXXX and that my debit card would no longer work after XX/XX/XXXX. NO REASON WAS GIVEN. I called the branch & spoke to the young lady who added my husband 's name to the accounts. She said she did n't know why this was happening but she agreed to call corporate to get an explanation. The following day she called to say that she was given no reason and that there was nothing I could do to stop the accounts from being closed. Then I called corporate and asked why the accounts were being closed. I was simply told that PNC bank had elected not to continue its relationship with my husband - NO REASON WAS GIVEN. On XX/XX/XXXX, I closed out both accounts and will never again do business with PNC bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: IN

Complaint narrative:
When applying for a mortgage through Quicken loans I was misadvised by the underwriter XXXX XXXX. During a telephone conversation XXXX advised that I would need a letter or relocation in order to continue with the loan. I told XXXX I would not have that for some time, since I was not relocating for 6 months. XXXX advised me to replied to his email and state what we discussed on the phone and outline my relocation. I did so only to receive an email from him that Quicken needed this on company letterhead. I reluctantly troubled my boss for the letter and sent it to XXXX. XXXX then replied that the letter needed to be signed. I again troubled my boss to sign the letter he had drafted. I feel that the underwriters should know the requirements of the documents that they are requesting. I feel that XXXX was just guessing, this caused frustration and wasted my time, my boss 's time and XXXX 's time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
We have two mortgages for investment property with PNC Bank. We have continuously tried to get them to include the property address of the mortgages on the escrow account statements and other correspondence, with no avail. Because they are not including the address, they have misapplied tax and insurance payments on numerous occasions. 
The properties in question have the same street address, but different building numbers. We have mortgages with other companies that include the mailing address along with the property address of the loan in question. We are not asking a lot to have the property address listed on ALL correspondence. Therefore, we are asking you to contact them to assist in resolving this matter.

Company response to consumer: Closed
Consumer complaint received 2016-12-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
This dispute is in regards to BMW Financial Services account # XXXX. BMW Financial Services has put a negative " repossession '' mark on my credit report. I contacted BMW Financial Services for debt validation. BMW Financial Services response to to my request for debt validation is unacceptable and not legally valid. BMW Financial Services also fails to provide me with accounting information to prove or support their claim for repossession. I will submit and attach documentation BMW Financial Services has sent me in regards to my request for debt validation. 

The following reasons I am disputing BMW Financial Services validation : BMW Financial Services has not proved legal validation or submitted valid documentation. 
The documentation BMW Financial Services has provided me is not readable or visible. 
I demand to see a copy of the Verifiable, Validated Proof ( an original Consumer Contract with a wet-ink Signature on it, copies of copies are not Validation and by Law are not considered proof ). 
Documentation or proof showing my liability toward this account, such as a signed contract corresponding my Social Security number with my signature. 

Secondly, I have always paid my account with BMW Financial Services on time. I have never missed a payment nor been late. In fact, I have always paid my account in advance. BMW Financial Services has put a derogatory " Repossession '' mark on my credit report. This is totally false and inaccurate. I demand this derogatory " Repossession '' claim to be completely removed off my credit report. Under the Fair Debt collection Practices Act ( FDCPA ) 15 USC 1692g Sec. 809 ( b ), I request BMW Financial Services provide me with : Complete accounting of this alleged debt and prove their claim of repossession. ( Which is required by law for debt validation )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I setup automatic payment with XXXX XXXX. However my mortgage was sold to PNC Mortgage, and I did not received their welcoming letter and late notice letter due to change of address ( which I have a witness for this ), hence the payment was 60 days late. I felt PNC Mortgage did not try their best effort to contact me, they did not call on the phone, text or email me about this transition of mortgage and the late notice. 

I have never missed a payment in my life and have excellent credit before this. As a consumer, I felt PNC Mortgage is at fault for not informing me about the transition, and they just do n't care. 

To make matter worse, I had file a complaint with Better Business Bureau, they acknowledge that it happens because I did not receive their letters, can not prove that they call me, text me or email me, but offer nothing to help me. I escalated to PNC executive client relation, XXXX XXXX and she chose to ignore my email.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: TN

Complaint narrative:
Homeowner 's policy was due on XX/XX/2017. Stonegate Mortgage did not submit the payment to the insurance company until XX/XX/2017. Today XX/XX/2017, I received a phone call from my insurance company stating that my insurance was in cancellation due to non payment. I have to pay {$330.00} out of pocket to keep my insurance active and will not be reimbursed until the insurance company receives the check from Stonegate. This is completely unacceptable way of conducting business to not submit my mortgage payment in a timely manner when the money is available in my escrow account.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Profit Services Group
State: NC

Complaint narrative:
I have made numerous attempts requesting the validation of the debt. I have requested in writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.

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