vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AR Resources, Inc.
State: NJ

Complaint narrative:
AR Resources has once again attempted to collect on a debt that I have previously disputed as not valid. I submitted a case through this portal on XXXX/XXXX/2016 which they declared to remove the collection and cease collection on XXXX/XXXX/2016 I received another collection letter from AR Resources collecting for the same debt and also stating this debt will be reported on my credit report. They need to cease collection and leave me alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: BB&T CORPORATION
State: PA

Complaint narrative:
I 'm a veteran and I 'm trying to purchase another home. BB & T has incorrectly reported my late payments on my previous mortgage to the XXXX major credit bureaus. They reported that I was 120 days late on my XX/XX/XXXX payment when it was the XX/XX/XXXX payment that was 120 days late. Due to this incorrect reporting, it is preventing me from getting financed for a new home. We have worked with BB & T for the past XXXX weeks to fix this issue with zero results.

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 2016-08-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: VA

Complaint narrative:
I went on the Quicken loan website to inquire about a thirty year fixed rate mortgage loan. The interest rate and APR was advertised at 3.18 %. My credit is excellent. XXXX XXXX. The lowest offer that came back was 3.50 %. This occurred on XX/XX/2016. This seems odd given my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION
State: CA

Complaint narrative:
The credit balance of the account is XXXX and all the outstanding debts were waived by the company and yet the information has n't been given to the credit agencies. I would like for Regional Acceptance Corp to immediately send the updated information to all XXXX of the credit reporting agencies.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: AR Resources, Inc.
State: FL

Complaint narrative:
Ask for verificatiin of debt showing on credit report and agency said they cant find the information yet its still being reported.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: TN

Complaint narrative:
Nationstar Mortgage continuously applies my additional " principal only payment '' as a standard payment and deducts taxes and escrow payments from it. This has happened 4 times in the last 6 months. This requires me to login into my account twice each month ( once to pay and once to verify the payment was applied correctly ). It is an enormous waste of my time to have to verify they are doing their job correctly.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MD

Complaint narrative:
My loan was in foreclosure in 2013. I reinstated and brought the loan current on XXXX XXXX, 2013. At the time of reinstatement I paid {$1200.00} of attorneys fees. After 2013 my loan was never in foreclosure again. My current statements shows a balance of attorneys fees of $ {$880.00}. I have asked Nationstar to specifically provide the itemization of these fees added, including when the cost was incurred and to whom the fees were paid. They have failed to provide the requested information.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
As a result of my home owner bill of rights being violated I never received a approval or denial. I was forced into filing BK ch XXXX to stop Nationstar from taking my home from me. Had I dealt with a team of people that knew what the other one was doing my file would have made it to underwriting.I never just had one point of contact. Guaranteed single point of contact : Homeowners are guaranteed a single point of contact as they navigate the system and try to keep their homes - a person or team at the bank who knows the facts of their case, has their paperwork and can get them a decision about their application for a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: UT

Complaint narrative:
I have a loan with BMW Bank of North America for my XXXX XXXX since XXXX of 2015. I pay XXXX extra every month on the loan yet my interest each month remains the same. I can not log into my loan online so apply my extra payments to the principal because the website is perpetually down. I get a XXXX error that the connection timed out. I have tried to access the site from home and at work. How can I manage my loan when I can not log into the website?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I was a recipient of a UDAAP violation wit PNC Bank. I received XXXX overdraft fees due to a deception with account information in the contract. I currently have overdraft protection on my checking account. but when I switched too XXXX checking accounts and a savings account my overdraft protection only covered my main checking account. This information was not shared with me in my initial contract or when a similar situation happened last year. I received my overdraft fees on Thursday XXXX XXXX and my direct deposit was received on Friday XXXX XXXX. I had XXXX transactions on XXXX XXXX and I was fine letting the transaction go through because my overdraft protection would pull the additional funds from my savings account. I had plenty of money to cover the overdraft in my savings account. I tried to resolve the issue directly with PNC Bank but they are refusing to further investigate the call that was done exactly a hear ago and if the representative explained the limitations of my second checking account. As I first stated this is a UDAAP violation of my protective rights as a consumer. The contact was deceptive t explain my account limitations of overdraft protection and the representative was deceptive by not explaining the detail of my contract when the situation happened a year ago. I was only informed about this on Friday XXXX XXXX in detail and now understand.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-18 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I recently got an account open with pnc bank. Someone was able to get my card information and use it to make an online payment to their orthodontist for {$100.00}. I called pnc bank immediately to tell them about the issue, instead of stopping the payment before it posted they allowed it to go through. Now I am out of XXXX while they take 10 business days to investigate. Most banks show since of urgency when things like this happen. The customer service representatives are rude and show no empathy. I no longer trust my money being in a bank that does n't protect their account holders accounts and sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX XXXX, 2016, I deposited XXXX checks totaling more than {$15000.00} in an ATM machine at a PNC branch during business hours. The checks jammed. The PNC employees were able to retrieve the checks and they sent them in to be processed. They filed a " dispute '' report even though it was their fault. A few weeks later they issued a provisional credit that was {$5.00} less than the amount that was originally supposed to be deposited to my account while they investigated. I noticed that the original checks had cleared but that they were not in my checking account. Note : XXXX of the checks was drawn from PNC (! ). XXXX would think it would be easy to trace for PNC. I received a letter saying to send copies of the cancelled checks in to PNC. I sent them by certified mail to the address that they mentioned in the letter and received the US Postal confirmation to show that PNC received them. I received a letter dated XXXX XXXX, 2016 saying they would be withdrawing the provisional credit on XXXX XXXX, 2016 and that they had found no errors. I went to my local bank branch to complain about this. The PNC employee that I spoke with, sent copies of the cancelled checks and receipt from US Postal Service into the PNC XXXX XXXX. She said that she could not prevent the bank from taking out the provisional credit out of my account right away. It would take several days. My husband had to write a check to prevent any checks from bouncing since we would be leaving for XXXX in a couple days. Finally, on XXXX/XXXX/16 the provisional credit was issued to my account for the full amount. But as of today, XXXX/XXXX/16, they are still investigating it and the checks have not been deposited. I received a letter from PNC dated XXXX/XXXX/16 stating that they need copies of the cancelled checks. If they do n't received them by XXXX/XXXX/16, they will " base our decision on the information available ''. I take this to mean they will reverse the provisional credit again. 
I told the PNC employee at my local branch on yesterday XXXX XXXX/XXXX/16 XXXX and she recent the cancelled checks once again.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Over the years I have enjoyed doing my banking. However, over the years when I walk into a bank, I am constantly being solicted for products. It seems as though the employees are even uncomfortabel trying to push sales on customers. The retail banking environment has completely changed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: GA

Complaint narrative:
I recently submitted a loan modification paperwork package to stone gate mortgage. I had this sent by priority mail so that I could keep track if this was delivered. The package was delivered on XXXX/XXXX/17. I had talked to stonegate and told them I am sending it this way and if there is anything else I need to do please call me. The girl confirmed she would do this. 
Today I get a letter from a lawyer stating forclosure procedings have started to my surprise. I called Stonegate and the girl was like it never showed up. I said it shows it was delivered. She said there is nothing they can do for me at this point. Now i am very upset, I explained my mom was critically ill and took care of her during this time. My dad had a XXXX and is XXXX and has XXXX, he is XXXX. I did what I feel any child should do. My mom died on XX/XX/XXXX, so now I am homeless and motherless and heartbroken

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 2016-07-28 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:
I was paying on my lease almost XXXX/month and I lost my job due to health issues and I am 3 months behind, I paid month to get my account current but the BMW Financial Service want the car back until I get the amount that I owe, I tried to explain my situation but they wont help me. They turn in my account to the debt collector and asking the car back even though I paid XXXX balance to be updated. They keep calling and harassing me, family and former employee. 

I have no choice but to keep the car to find job and I am only asking if they can extend my contract for 2 months so that I am current in my account

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I purchased a XXXX XXXX XXXX from XXXX of XXXX in XXXX of 2013 using a loan funded by BMW Financial. 
The agreement called for {$1000.00} incentive payment credit over the XXXX XXXX payments due. 
When I set up my payment account on the XXXX website it showed the ( XXXX ) {$500.00} credits towards the loan. 
I made the XXXX pro-rated payment. When I went to make the XXXX payment, the credit had disappeared from the account. 
I took it in good faith that the credit would appear and made the pro rated payment. After questioning BMW financial and sending a letter to them I received a response that indicated the dealer had withdrawn the XXXX credit. I was told that they had used an alternate vehicle to " write the contract '' for the {$1000.00} payment credit and then withdrawn the XXXX payment credit. I spoke with my original salesman and the finance manager at XXXX of XXXX after this revelation. The finance manager ( a woman ) was abrupt, admitted her employee made a mistake, said he 'd be counseled on it and basically said I had to live with it. 
By this time the payment showed as 30 days late and has continued to show 30 days or more late depending on when the payments are posted in the month. I have on XXXX occasions delayed payment and attempted to reengage BMW Financial and XXXX of XXXX on this matter. Approximately 2 weeks ago I went to XXXX of XXXX and spoke with XXXX XXXX the General Manager. He offered to send a check the next day for the misunderstanding ( contract fraud ) on their part. I agreed and decided to take on BMW Financial and the late payments on my own. XXXX XXXX did not keep his agreement and no check has been received. He/They have not kept their word on anything other than the delivery of the vehicle. 
My credit score with XXXX has gone from over XXXX to XXXX during this time and because of the issue. The other XXXX bureaus reflect a similar problem. ( Please note that on the day of purchase they said I had a " XXXX '' credit score with XXXX contrary to what I printed off and showed them. 
I offered to refinance the loan right after this was discovered however because of the late payment no one would refinance it even with the explanation. 
I respectfully ask that XXXX of XXXX pay all fees and past due amounts on this loan and that they engage the XXXX representative to have BMW financial correct the loan account to show as always paid on time, never late.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My PNC Bank account showed that I had money available in my account and let me make purchases using my debit/credit card. My account was then shown to be negative and I was charged a {$36.00} overdraft fee. I complained and told them they should n't have let my card to continue making purchases if there was no money in my account. I was told that either way I would have gotten a {$36.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: WA

Complaint narrative:
StoneGate Mortgage sold my loan to another loan company without properly notifying me or having my approval. The only action they took to inform me this transaction is to send a good bye mail to my address when I was moving to a new place and traveling a lot for business. They never tried to call me or send me an email about this. 
I set up an auto-payment for my loan in the past few years and was never late for paying that. However, my auto-payment information was not updated when StoneGate sold my loan, which lead to late payment for 3 month and a dramatic drop of my credit score.

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 2016-06-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I have asked Doctors XXXX to validate a collection they are reporting on my credit reports on XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX XXXX/XXXX/XXXX and XXXX and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Reliant Capital Solutions, LLC
State: IL

Complaint narrative:
Received voicemail at XXXX XXXX/XXXX/16 and is as follows : " Name this is XXXX XXXX Reliant Capital Solutions XXXX XXXX XXXX XXXX '' returned phone call, spoke to someone who transferred me to her, she answered the returning phone call without identifying herself and only after verifying my phone number and last XXXX of my social did she disclose the was attempting to collect a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-19 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
They are posting payments late to generate late fee 's on my credit card account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC hit my PNC checking account for XXXX overdraft fees ( {$36.00} each ) and inaccurately disclosed my account activity and balance to me. I use their on-line services to check my balances. I electronically transfer funds between several checking accounts to make sure that I have enough money in my account to cover my checks. If I am at a grocery store or a restaurant and plan to pay with my debit card, I electronically transfer money from one checking account to another and the money is there for immediate use. On the evening of XXXX XXXX I had a positive balance. However I transferred {$65.00} into one of my checking accounts ( ending in XXXX ) because I knew that I had XXXX checks that were going to come in soon. Additionally I knew that I on XXXX XXXX I would be getting a direct deposit to my checking account ( ending in XXXX ) Additionally I when I make a deposit in a branch at the tellers line I CONSTANTLY ask the tellers to confirm that " If a debit hits my account the same day as a cash deposit, will I incur an overdraft fee? '' The answer is 'no fees will be applied '. I 've included XXXX attachments to support my claim. At no time did PNC report a negative balance to me on the on-line tool that they provide to me. 
I 've attached a screen shot from my on-line screen. Clearly shows enough money to cover my debts. Also shows that they overdrafted me with a positive balance of $ .XXXX.PNC has been sued before for their Overdraft policies and activities and I 've received XXXX very small settlement checks from the settlement fund. Apparently they have poor business practices with their overdraft activity.They continue to abuse me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I have debt that the company Alliance One is trying to collect from me. They sent me a letter regarding the debt stating to call them to set up a payment plan agreement, i then called and they stated they dont do payment arrangements and that they wanted the whole debt paid off or they will pursue legal ways to deal with me. I then asked to speak to a supervisor seeing that this wasnt right in how they are treating people. After futher looking into the debt that they are trying to collect from me, its to old of debt back from XX/XX/XXXX which is way past the Statue of Limitations laws in the state of washington regarding debt. I received a phone call yesterday on XXXX regarding the debt and they were overly aggressive, rude, and threatened to sue me and garnish my wages over debt that was to old to collect besides the XXXX parking tickets from XXXX courts. I told them at the moment i was homeless and did not have that much money to my name and that i was recovering from a car accident from XXXX XXXX. They did not care and said there attorneys already filed with the courts and the only way to stop the garnishment was to pay the biggest ticket at that time. So i took money i did not really have and paid {$260.00} to Alliance One and they said if i did not pay them {$300.00} a month on a XXXX that they will sue me. They have broken the federal fair debt collection practice act and i would like this dealt with immediately. I dont appreciate being threatened especially over time-barred debt that legally they cant do. The debt that they were threatening to sue me for were old cable bills with click cable located in XXXX WA. XXXX of them wasnt even in my name it was in my wifes name. I have gotten an attorney on the matter as well and would like for this divsion to also look into how this collection agencie is breaking federal laws.

Company response to consumer: Closed with explanation