vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Borrower has made multiple requests for pay-off over a period of years. Pay-off requests were ignored or delayed for years ; when pay-off information was provided by the Bank 's XXXX Attorney the amount was off by approximately {$30000.00} and included improper fees. Bank 's Attorney only provided a pay-off that was good for 2 weeks. Requests for documentation to support Escrow/impound overdraft fees by the PNC remain unanswered. Requested copy of Appraisal completed XXXX/XXXX/14, PNC agreed to provide, however as of this date they have not provided. PNC constantly requests the same information from the borrower, everything requested for modification provided. PNC Representative stipulated in mediation everything provided, however 2 months after the mediation notice received that modification denied because all documentation not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
XXXX XXXX I was scammed out of XXXX dollars by the " XXXX. The # was XXXX.They told me I had a grant of XXXX dollars but first I needed to deposit XXXX $ and it was refundable. She told me go to XXXX and get a apple XXXX card and read the number on the back of the card. I did. I was send to XXXX XXXX to get the refund. I had confirmation number and tracking numbers. I then spoke to an " XXXX '' and there was security reason as to them needing more money of XXXX dollars and it was also refundable, so I went to XXXX again brought another XXXX card and gave him the code on the back. The grant amount had went up but I started feeling like it was a scam so I backed out and demanded my money back. They wanted XXXX more dollar to release the " grant '' and I refused to give them more money so now in out if XXXX that I needed.i have recordings and I went to the police and ftc and contacted by bank. XXXX has denied my dispute twice due to me using my pin for the purchase of the cards. I have given them proof of being scammed. I just need some help getting my money back. I 've been with pnc for 5 years and I 'm not happy with the end result of this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
This bill has already paid by work compensation.their phone number is XXXX.please if anymore questions please contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Ashfield Management Services Inc,
State: CA

Complaint narrative:
They are contacting me outside of approved hours. Calling me at XXXX. Called and informed of this issue and still threatened that I 've been served. Over phone and on voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
I have been contacted several times by an automated call asked for someone who does not live with me and whom I do not know. Most calls went to my answering machine, but when I was at home I answered, waited on hold for a representative and explained that I did n't know who this person was that they were looking for and to please stop calling my house. I was assured several times that I would n't receive anymore calls, but they keep coming. Yesterday a message was on the machine from XXXX, who in a very threatening voice said that his company had spent enough time and ( money or energy? ) and that it was time to take care of it. I again called back this morning to tell XXXX he has the wrong number, instead I get another lady that said that she would remove my phone number. When I asked for a manager, she said she was a manager. When I asked for the business license number she refused to give it to me - she said that she had already given me the name of the company " Direct Recovery '' and that she did n't need to give me any more information. They are the ones who wo n't stop calling me and now it has escalated from automated calls to a person making threatening calls. Do I need to be worried that they can find my address too???

Company response to consumer: Closed
Consumer complaint received 2016-06-24 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc.
State: DC

Complaint narrative:
I went to the XXXX Hospital in XXXX to pay off this bill. 
This is a facility that caters to the poor. I had to go there years ago when I was not married and I had a severe medical issue. 
Anyway, I drove around for an hour. There was no parking lot and no parking on the street. The place was a zoo. So I went back home and tried to telephone them. Finally, I spoke to this person at Alliance One Receivables who took my payment. 
The only reason I paid was to redeem my credit score. 
After I made the payment, I asked the person who assisted me could I have a paid in full letter. He said they do not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: MAS FINANCIAL SERVICES, INC.
State: OR

Complaint narrative:
The loan company made calls to my references when I was late on making a payment. They left a voicemail. In the message ( I have them recorded ) they mention who they are, that they are looking for me and to tell me to call his auto loan company immediately. So, my references then call me to tell me about how my auto loan company is looking for you. Then a few days later, they left me an automated message. The message basically stated ( XXXX ) that you need to pay your payment and to press one to speak to a LEGAL REPRESENTATIVE. This is flat out illegal, as these are not legal representatives. It just connects you back to the auto loan company. I also have a number of these recorded.

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 2016-01-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Gordon, Aylworth & Tami, P.C.
State: WA

Complaint narrative:
I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an Oregon XXXX, I live in Washington. The debts they claim I owe are over 10 years old. The Attorney is XXXX and XXXX XXXX at Law in XXXX Oregon. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Mortgage company called county tax office on XXXX XXXX, XXXX to confirm that XXXX county property taxes had been paid in full which was unfortunately the Friday before the county posted our payment on Mon XXXX XXXX ( payment was mailed on XXXX XXXX but not posted to our account until XXXX XXXX ), and since the taxes were showing delinquent at the time of their call they immediately set up a forced escrow account on our loan and processed a check to pay the delinquent amount. Once our payment was posted our account was paid current, so when XXXX County received the duplicate payment from PNC they put the funds in a holding account as they do not automatically return duplicate payments. XXXX county send a letter to the party who they received duplicate payment from notifying them that the taxes they were attempting to pay had already been paid, and county includes a form that PNC was required to complete and return to the county requesting the funds to be refunded back to them. We continued to send PNC our monthly principal and interest payment on time every month, and each month would include a written note advising them the forced escrow account had been setup prematurely and to please post our payment directly towards the principal and interest loan balance per the terms of our Note. We also made numerous phone calls to PNC customer service as well as numerous email requests to please have someone take the time to contact us so we could discuss what had happened and work together to get our account back on track as each month we were receiving nasty letters saying our payment was short and no payment that we 've sent since XXXX XXXX has been properly posted. We have continued to send our payment each month for the past 3 years up thru the payment that is due XXXX XXXX, and up thru XXXX XXXX PNC did cash our payments but since XXXX XXXX PNC has repeatedly returned each months payment saying that they will not accept insufficient payment. So, in XXXX XXXX we hired an Attorney who has also made numerous attempts to speak with PNC customer service and PNC 's legal counsel, but is repeatedly told that they will review our file and get back with her but to date that has not happened. PNC did finally serve us with foreclosure notice, but after pushing our hearing date out 3 different times they filed a cancellation of foreclosure with the court but have not gotten back with our Attorney with any offer to in some way work with us to bring our account current and back in good standing. We are now to a point that we 've lost all hope that this ongoing dispute will ever be amicably resolved with PNC, and we will continue to have the stress and agony of our home loan being in complete limbo for who knows how many more months or years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NY

Complaint narrative:
My mortgage loan is currently serviced by Nation Star and the regular monthly payments were {$1000.00} per month. Nation Star offered a trial loan modification where the payments were increased to {$1300.00} per month ~ see attached. Nation Star has refused to record this modification, claiming they need {$1100.00} to complete the process. The loan modification agreement is demanding {$930.00} per month in monthly escrow payments. The escrow account grossly distorted since my taxes are {$5200.00} per year and insurance is {$800.00} per year. My escrow charges should be {$500.00} per month and total payments should be {$930.00}. Nation Star claims the escrow account is deficient, which is impossible because all the past due escrow has been recapitalized in to the modification agreement. All of the figures listed on the " AFFIDAVIT UNDER SECTION XXXX OF NEW YORK STATE LAW '' do not add up. There is a demand for new money ( {$54000.00} ) and a demand for a total balance due ( {$110000.00} ). I have requested a complete breakdown of the alleged total balance due and Nation Star has refused to furnish it. Nation Star is also pushing a 480 month amortization schedule, which is predatory and unnecessary. I originally borrowed {$66000.00} in 2004 and never refinanced my property. Therefore, there is no way my balance could be {$110000.00}. Nation Star is clearly distorting the escrow account and balance due to the extra equity in the property. I feel cheated and deceived by Nation Star, therefore I am seeking your assistance on this matter

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I opened XXXX Certificates of Deposit with National City Bank years ago. National City Bank merged with PNC Bank XXXX years ago, and when I presented my original Certificates of Deposit to PNC Bank I was told that these accounts did not exist in their records. I was also told that the " National City Account Number '' did not carry over to PNC Bank during the merger, so there is nothing PNC Bank can do for me. Every time I check in with PNC Bank to see what information they can give me, I 'm told they are " still researching ''. The " Research Department '' has been " researching '' since XXXX XXXX, and as of today, XXXX XXXX, they still have found no record of me ever withdrawing these funds from any of the XXXX Certificates of Deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I made a payment online and they said that the payment was confirmed on time. I found out later that they had problems with their website and my payment was never received causing a payment to show as 30 day late and ruin my credit for something that I did nothing wrong. The bank refuses to remove the late payment history from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA
State: NC

Complaint narrative:
I worked full time for a qualifying public service organization from XX/XX/XXXX- XX/XX/XXXX. Fedloans Servicing refuses to honor payments made during this time for Public Service Forgiveness because I consolidated a XX/XX/XXXX XXXX along my previous consolidation done previously when XXXX serviced my loans. XXXX did not tell me that this would put my future with XXXX XXXX XXXX XXXX in jeopardy. I realize that this is not your problem, but this is what happened to me. Now, I am being made to pay for a mistake made by XXXX. They even denied counting my time to the Ombudsman. 
Representatives from FedLoan Servicing told me is that a new consolidation was created when I consolidated my new loan taken in XX/XX/XXXX with my existing consolidated loans ( XXXX was servicing the loans at the time ). As a result, they will not count any of my payments time that I worked for a public service organization from XXXX ( my loans were consolidated at that time ). I let them know that I was not told by XXXX that this would jeopardize my public service loan forgiveness. I remember telling the XXXX customer service representative that I needed to consolidate my XX/XX/XXXX loan with my existing consolidation so that I could get credit for my time worked for a XXXX from XXXX. So, I proceeded with the consolidation paperwork not realizing that I would be in this situation. I am not trying to get out of paying. I just would like the time to count as I am working for a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I got a second mortgage on my payed off home in XXXX from PNC to pay off a loan on a mobile home in XXXX. The home in XXXX is NOT part of the collateral for the XXXX mortgage on my home is XXXX which is valued at six times the value of the loan. The XXXX home was paid off in 2006. Instead of having my title for the mobile home sent to me PNC insisted to both the state of XXXX and XXXX bank that the title be sent to them. Now I can not get a title and I can not sell this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Atlantic Recovery Solutions LLC
State: NY

Complaint narrative:
Received numerous calls from XXXX XXXX at Atlantic Recovery Solutions ( ARS ) from XXXX, NY, stating she was an account representative and was working on behalf of their client to collect a debt. I informed her I do not have a debt with the creditor mentioned and asked for verification. She stated that she does not need to verify anything. I asked her to stop calling me, my place of employment, my husband and my relatives after which she hung up on me. I then sent a Cease and Desist and Dispute letter via fax to their offices after verifying someone named XXXX XXXX worked there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I received a letter from This debt Collector Alliance One from an account I do n't owe it shows the amount owe is $ XXXX.At this time I would like to dispute the validation of this alleged Debt because I do n't recognize it, I would like to ask the CFPB to get in this dispute to assist me with my Consumer Rights if in any way has been violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XXXX XXXX Debited {$100.00} Out Of My Checking Account Without My Permission. For A Membership. A Dispute Was Filed On XXXX/XXXX/2015 And The Amount Was Credit Back To My Account. P N C Bank Is At Fault When They Put A Re : Debit Back On My Account In Which A Negative Charge Appeared On My Account. Which P N C Bank Reversed A Transaction Back To My Account. Which Was Disputed. P N C Bank And XXXX XXXX Are At Fault. And I Want The Account Closed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliance One, Inc.
State: MI

Complaint narrative:
continued action taken to collect a debt that is not mine I have asked the company to provide proof and validation of debt under FDCPA guidelines Explain and show me how you calculated what you say I owe ; Provide me with copies of any papers that show I agreed to pay what you say I owe ; Provide a verification or copy of any judgment if applicable ; Identify the original creditor ; Prove the Statute of Limitations has not expired on this account ; Show me that you are licensed to collect in my state ; and Provide me with your license numbers and Registered Agent. 

phone calls and letters have been non stop after I sent letter to cease and desist until debt can be validated as of this time they have failed to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Indicated committed crime not paying
Company: Alliance One, Inc.
State: WA

Complaint narrative:
Added to dispute XXXXStill not crediting payments and not itemizingCourt says Alliance one told them they any amount paid on debt. 

They say on their web apge they are a XXXX office -- -- court says limited times -- Mon -Thurs and other hours on Friday - that they take phone payments -- - but automated service does n't work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My loan was sold earlier this year from XXXX XXXX to PNC Mortgage, ( I have also had home loans with XXXX XXXX and XXXX in the past 5 years. ) and within 3 months of purchasing my loan, PNC Mortgage gave me notice in the mail that my premium ( 30 year fixed HUD Foreclosure ) was going from $ XXXX/month to {$920.00} because my escrow account had a shortage. My escrow account has never had a shortage, and when I called PNC the manager I spoke with even admitted my payments from the previous year ( XX/XX/XXXX ) were identical to this current year- yet she still said it was their right to change my premium ( although in the last 5 years on either XXXX of my homes, the premium never changed from my purchase price ). Now I received a letter in the mail from PNC Mortgage today stating that my premium was going to increase yet again from {$920.00} to {$940.00} starting XXXX/XXXX/XXXX. They must be stopped!!! This is n't right- I do not want them to touch my mortgage ever again- I want my mortgage switched to another lender immediately. I did not choose them, and they are hurting me and my family. I downsized from a XXXX square foot home built in XX/XX/XXXX and bought this home which is XXXX sq ft built in XX/XX/XXXX so I could lower my monthly premium fro {$1100.00} to less than $ XXXX/MONTH ... which I did. Now they are going to drive my payment back up to the range I had to avoid to survive- I did nothing wrong ... I 'm a single father of XXXX yr old twins who ca n't afford this to happen to him. This is n't constitutionally right that they can do this, and I have no say so who my lender is if they are practicing like this. Please help me before they break my family!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Federal Pacific Credit Company, LLC
State: FL

Complaint narrative:
I received a debt collection letter from a law firm. The original creditor name and client name is unfamiliar to me. My credit reports do not indicate any fraudulent activity nor any accounts on default. Attempts to identify and contact both original creditor and client were unsuccessful. The creditor has a telephone number that does not exist and the client 's address and telephone number are the same as the law firm 's. When I contacted the law firm, before I could provide them with any information contained in the letter, they already knew who the client was listed on the letter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc.
State: CA

Complaint narrative:
I had XXXX at the time of this charge but the provider never put in for their claim within the one-year allotted by Medicaid. After the one year they started coming after me for the amount.

Company response to consumer: Closed with explanation