vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-05-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: NC

Complaint narrative:
I made extra payments of {$1300.00} ( towards principal ) in XXXX, XXXX, and XXXX. I noticed on XXXX XXXX, 2016 the extra payment in XXXX was never applied, so I called the mortgage company ( Stearns Lending ) to apply the payment. On that date my principal balance was {$160000.00}, which should have been {$1300.00} less from the payment they did n't apply in XXXX. They told me this would be resolved by XXXX XXXX, which it was not. Today, the mortgage company tells me the job is closed and I now have a principal balance that is higher than my principal balance on XXXX XXXX, 2016. My payment history report is so full of red from all the reversals that I do n't understand the report. The financial advisor was unable to explain to me as well what they did without another full detailed research. I 'm minus {$1300.00} ( possibly {$2600.00} after an attempt to read through the payment history report. 4 - {$1300.00} in black and 3 - {$1300.00} in red, which leaves me to believe that out of the 3 extra {$1300.00} only one has been applied since all the reversals ). The mortgage company considers this matter resolved and I do not.

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 2015-09-21 00:00:00
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: PA

Complaint narrative:
In 2014, we fell behind on making a credit card payment. We were contacted by AllianceOne. The original creditor is XXXX XXXX XXXX XXXX XXXX XXXX. At this time, I calculate that we have paid them over {$11000.00}. However, on my credit report it shows that I only make a monthly payment of {$460.00} per month and the account has also been marked as closed. However, I receive a statement from XXXX XXXX XXXX XXXX monthly, and it shows they are still charging me interest. How can this be when the account has been closed and charged off? I feel that they are not applying my money in an appropriate manner so that this may be paid off quicker. While I do agree that we were behind and we owe this debt, I feel they are being unfair in the collection process. Thank You.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NE

Complaint narrative:
Our home mortgage was sold to PNC Mortgage. We 've never received a monthly statement. Just a coupon book with 12 coupons, each showing the amount of our payment and the date due. Is n't PNC required to send out monthly statements with the information about our balance due?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: JPMORGAN CHASE & CO.
State: WA

Complaint narrative:
I am less than 2 weeks past due on my lease through Chase Auto Finance, and I have a pretty good record of paying them on time for the past 3 years. They have called me 5+ times a day, today starting at XXXX and it is now XXXX and I have already received 5 calls. They never leave a message, and when you answer it is a robo call. In order to speak with someone to ask them to stop harassing me, they require you to enter your Social Security #, which I will not do when they are calling me. 5 calls in one day is intimidating and harassing.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-08 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
PNC Bank fails to provide a fair and easy system for non-bank members to submit auto loan payments. I got stuck with PNC when I bought a vehicle at a dealership and found out that PNC has provided XXXX different websites for receiving payments. Forced to use XXXX to start which later disappears. I then have to use a 3rd party system which also discontinues, and now I am stuck with the worst version XXXX. This site fails to set up automated payments, fails to notify me of anything online when payments do not submit or if I am late. I have no records of payments made from other sites or the version my past employer was forced to setup just to pay on my truck one year. Only thing you can see is the montly payment information. What if I want to pay extra on principal one month - How do I know they processed it correctly!! 
No phone calls come in until AFTER 30 days late which they quickly report to credit bureaus. They will not talk about options to have it corrected and will not provide me a better system of making reliable payments. For such a wealthy corporation to use a website that my XXXX XXXX XXXX could build is beyone me! I truly think the inconvenience is intentional to force you to send a blank check or open a bank account with them. Then they can take full advantage of me I am sure. No Thanks! I want my credit report fixed NOW!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
XX/XX/2015 when my car lease was ending The BMW of XXXX, NJ called me to return my car and get a special deal on the lease of the new car. After vehicle was inspected by BMW dealership I had reach mutual agreement with the agent-XXXX to the amount of my financial responsibility for extra mileage and wear and tear cost.Subsequently, once I was satisfied with the financial terms of the returned car I negotiated with agent the terms of the new car lease. During our negotiation XXXX frequently consulted with his superiors the terms of the new lease. Finally, We have reached mutually accepted agreement in regard to the terms of the new lease. In fact, I was assured by CFO XXXX XXXX XXXX of BMW of XXXX that all financial terms agreed by both parties were final. Thereafter, I paid him down payment which included all my financial obligations negotiated with the dealership. Surprisingly, 4 weeks into the lease of my new vehicle I received a letter from BMW Financial Services NA, LLC demanding payment of {$750.00} for wear and tear of previously returned car. I believe there is some disconnect and possibly some misrepresentation between the BMW dealership and BMW financial entity. It is possible that there is dishonesty in their business dealings by agreeing negotiated terms and then billing the client for any shortfalls even though this had been agreed with the dealership.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: One Source Technology
State: TX

Complaint narrative:
I am seeking your help diligently because I was denied a job for a background check. The hiring manager claimed everything was a go and I did the drug screening, fitness exam, and even a XXXX physical to find out later on that human resources denied my employment. I applied to be a XXXX for XXXX XXXX who in turn used ASURINT ( background company ) to run a background. After being denied because of this, I researched and found out that ASURINT should not have gone back further than 7 years into my past especially if the jog was going to pay less than XXXX per year. XXXX things based upon my preliminary research. 1. ) Background check : 7 years back ( 2 ) Makes less than XXXX per year. I thought E.E.O.C., F.T.C., and you all had rules in place regarding hiring people.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NV

Complaint narrative:
This was an auto lease for business. The auto was brand new and started having mechanical issues right from the start. I had to take the car in XXXX times within a XXXX month time period due to the electrical and mechanical issues. I had communications with both BMW finance and XXXX XXXX. This auto was a lemon and should fall under the lemon law. I will be obtaining an attorney if needed because this should not be reported as a charge off or involuntary repossession nor should it have any type of balance. I have included all correspondence via email and proof of the number of times that car was serviced.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: ID

Complaint narrative:
Summary - we are distressed homeowners with a short sale in our history ( dated XX/XX/XXXX ). We are eligible for traditional FHA financing 3 years from this date per multiple sources. We contacted Quicken Loans to see when we would eventually be eligible for mortgage financing again. The representative we spoke with ( XXXX ) repeatedly assured us we were eligible for FHA financing at 4.25 % ( with 3.5 % down payment ) with a manual underwriting process immediately. She obtained our credit report in XX/XX/XXXX. XXXX up-sold our eligibility to us and our realtor for approximately one month. When we eventually found a home, and submitted a contract, XXXX asked for a {$400.00} good faith deposit, and an application. Our loan process was then handed off to manual underwriting in mid-XX/XX/XXXX. Immediately, the representative from Quicken Loans Manual Underwriting told us that we were not eligible for FHA financing due to late payments from the short sale in XXXX. This was information available to XXXX since she ran our credit report. Then the manual underwriter sold us on a ARM 5/1 product with an interest rate of 7.325 % with 20 % down payment that I could of obtained from a local broker. At that point, I began to wonder if this was a bait and switch operation, requiring {$400.00} payment before speaking with the underwriters, and upselling a higher rate interest rate product after a home contract had been established ; thereby taking advantage of potential home owners that are emotionally vested in a home. This was simply unsatisfactory. Since we have been declined, I have repeatedly attempted to retrieve our {$400.00} deposit, get an apology for being misled, and obtain compensation for our time, and our realtor 's time wasted over the past month. So far, I have been unsuccessful. Can you please assist? The Quicken loan # is Application # XXXX. 
Sincerely, -XXXX XXXX cell / text ok XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: TN

Complaint narrative:
I have been trying to refinance my home since XXXX with Ditech. After several months of going back and forth with documents needed, it seems they continue to add additional hoops to jmp thru every step of the way. I was working well th someone tere and complained to their manager about their poor service. The manager never responded to me. They are not assisting me on their end and progress has halted. This has been going on for 6 months and I do n't feel that they care. I 'm not trying to get money back, I am just trying to get a better rate than the one I signed up for in XXXX. I have kept all of the emails that have been exchanged and would be glad to forward anything to you. The last issue was getting some documentation from the other lender on my XXXX split. That lender was unsure of what documents Ditech wanted. Originally, I was to give apprval to XXXX for Ditech to speak with them about what was needed. XXXX does n't do that, but said we can have a conference call with me on the phone, so that Ditech can get what they need. No movement has happened since. I threatened to file a complaint and they responded repeating the same thing against n. I then responded with the same information. I have n't heard back from anyone since XXXX. This seems unfair and i feel that I am being mistreated. I have always paid my bill and I feel that I am getting the runaround.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 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:
Consumer ID # XXXX Social Security # XXXX Email address : XXXXXXXXXXXX Mailing Address : XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX I opened an account at Bank XXXX in XXXX and was closed in XXXX. At the time it was a joint account and with myself and my husband XXXX XXXX. 
The account was closed due too much over draft use, however its showing in CFPB that suspected fraud activity was reported. I have contacted PNC regarding the reports made to CFPB back in XXXX and never received and explanation or resolution. I am aware that I may owe a negative balance, but I do dispute any suspected fraud activity on my account with PNC Bank. I would like this removed from my CFPB report promptly

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
Direct Recovery Services is calling me multiple times a day from multiple different phone numbers.

Company response to consumer: Closed
Consumer complaint received 2016-12-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
DOCTORS BUSINESS BUREAU ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you DOCTORS BUSINESS BUREAU or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : DOCTORS BUSINESS BUREAU or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: PA

Complaint narrative:
I applied for the Making Home Affordable program ( 2 % interest rate ) HAMP Tier 1 and/or Tier 2 through my mortgage lender, SPS. For the last few months, I 've been having a difficult time paying my mortgage and been trying my best to stay afloat. My expenses have increased. To make ends meet, I exhausted all my reserves and looked for help from SPS. I want to be evaluated for every loan modification alternative including the HAMP program which is the lowest and most affordable mortgage payment. I also want a decreased interest rate to 2 % through the HAMP program as well as any incentives. SPS has been delaying consideration of my mortgage application, losing documents, constantly requiring additional items, making me submit new documents because the documents I previously sent to them are now outdated ( the lender dragged their feet ), dual-tracking ( filing a foreclosure complaint while a modification is pending review ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: TX

Complaint narrative:
Nation Star has yet to properly respond to our past inquiries. We have tried to reach out to Nation Star over the past year. They refuse to speak to us. We want a legal and valid reason as to why they would lower our credit limit on our fixed conventional loan, with out our knowledge or consent to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
XXXX XXXX XXXX and Select Portfolio Servicing ( SPS ) were the mortgage holders for my loan. I have a previous complaint against SPS ( Case number : XXXX ) with CFPB about the elongated sale that caused additional payments and delay in the closing of the escrow of my home. Now, I am unable to obtain an optimal loan because these XXXX companies are reporting late in my loan payments. 
The attached credit report pageXXXX of XXXX ( which is a part of a full Mortgage XXXX ) number XXXX show that I had XXXX 60 day lates on this mortgage which are erroneous. 
Firstly, enclosed is a mortgage statement for XX/XX/2014 that shows that there are no late mortgage payments and no late fees due, payment confirmation XXXX/XXXX/2014 no late fees, statement of XXXX/XXXX/14 showing no lates, XXXX/XXXX/14 payment confirmation no outstanding late charges. Therefore there are no late mortgage issues. Therefore : there could not be a 60 day late for XX/XX/XXXX and XX/XX/2014. 
I have applied for a mortgage and have been told the above error in my credit report is preventing me from obtaining a loan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: General Information Services, Inc
State: TX

Complaint narrative:
I received an employment offer from XXXX XXXX cable in XXXX XXXX on XX/XX/2016 pending a consumer background report investigation which was subsequently performed by General Information Services ( GIS ) based out of XXXX, XXXX. I then received an adverse action letter from GIS followed by an email from XXXX XXXX informing me the offer had been rescinded due to criminal conviction information reported by GIS. GIS reported criminal convictions to XXXX XXXX that antedated or preceded the report by more than 7 years which is a violation of XXXX Law, specifically XXXX Business and Commerce Code Chapter 20.05 which states : Sec. 20.05. REPORTING OF INFORMATION PROHIBITED. ( a ) Except as provided by Subsection ( b ), a consumer reporting agency may not furnish a consumer report containing information related to : ( 4 ) a record of arrest, indictment, or conviction of a crime in which the date of disposition, release, or parole predates the consumer report by more than seven years ; ( b ) A consumer reporting agency may furnish a consumer report that contains information described by Subsection ( a ) if the information is provided in connection with : ( 1 ) a credit transaction with a principal amount that is or may reasonably be expected to be {$150000.00} or more ; ( 2 ) the underwriting of life insurance for a face amount that is or may reasonably be expected to be {$150000.00} or more ; or ( 3 ) the employment of a consumer at an annual salary that is or may reasonably be expected to be {$75000.00} or more. 

( b-1 ) A consumer reporting agency may furnish to a person a consumer report that contains information described by Subsection ( a ) if the information is needed by the person to avoid a violation of 18 U.S.C. Section 1033. 

The salary offered to me for this position as a Call Center Customer Retention Rep was {$13.00} per hour or {$28000.00} annually. 
I want to file a compliant that my FCRA rights were violated by GIS by the reporting of criminal convictions to XXXX XXXX cable that were in fact, older than 7 years, which directly led to my employment offer being rescinded, and caused harm to me.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
After years loan modification has damaged our credit, we have been stressed out, and we got XXXX time trail modification. We paid XXXX XXXX XXXX modification from XX/XX/XXXX- through XX/XX/XXXX with all hope and Affordability modification but after all payment SELECT PORTFOLIO SERVICING INC collected approximately {$34000.00}. We have not received affordable modification and, we believed they are violated the California law because they collected the money after 5 years expired statue limitation, my Account due date start XX/XX/XXXX. We did not receive an offer for the modification ; They did not increase the term, did not forgiveness,, did not principal reduction, and did not lower any payments. 
The SPS collected the money after California statue expired we have requested again after one year we received a new trial modification on XX/XX/XXXX and we have have to pay 3 month trail modification again, they will not increase the term, not give us forgiveness, not give us a principal reduction, or give us lower payments. Select portfolio servicing collect the money by new trick and never reduce the Affordability modification.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation