vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-08 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CONTRACT RESOLVE GROUP LLC
State: IL

Complaint narrative:
I used to be the XXXX of a company that closed down last year. I continue to get harassing phone calls from this debt collection company threatening to sue me. Now they are calling my wife 's private number. My wife has no association with this company. 
I get XXXX or XXXX calls a day. My wife received XXXX today and is likely to start receiving more now that they figured out what her number is. The debt does not belong to me personally. It belongs to a corporation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I have had a morgage with PNC for many years - recently I am going through a bankruptcy and was required to do a modification on the loan as i was behind several payments and needed to get the arrearage put back in loan and perhaps lower the interest I have submitted a XXXX page document with everything required then PNC said that the didnt receive a whole bunch of documents that i clearly had faxed to them so I resent all required documents by certified mail signed receipt required - i received the signed receipt back from PNC after several weeks i didnt hear from them so i called them and they said that they never got anything but that they could not contact me as im in bankruptcy PNC is trying to foreclose on this loan and yet every time i submit documents they say they didnt receive them! 
they also said that they sent a letter to the trustee of the court letting them know what they needed - but the trustee of the court is not the correct place to send that letter - they need to send it to me and my BK attorney they keep saying they cant/ wont talk with me as im in XXXX XXXX my BK attorney has sent them several letters giving them permission to talk directly with me they have now rejected the modification that i submitted XXXX plus pages of paperwork for based on " not getting required documentation " and that i have to resubmit everything frrom scratch eventhough they have a lot of the documentation already on the XX/XX/XXXX there will be a hearing to foreclose on my loan so i am scrambling to get all paperwork together again! 
i can only think that they are either very inefficient and sign for documents that dont make it into the right department, their emploees do ot know what they are doing as the give me incorrect information or they are manipulating things to deliberately prevent me from getting a modification review so they can foreclose i recently made a payment of XXXX $ to start clearing up my arrearage but they show no kind of helfulness at all to help me in the process of getting the documents to them - in fact they make it as difficult as possible every time i speak to someone there they tell me something different -in deed- last week they told me they had all the paperwork / this week they say they didnt get it! 
i left a long message to a supervisor on monday asking for help to clarify things -today is wednesday havent heard back - i refuse to lose my home because of their communication issues i need someone to help me get a handle on the situation

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 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: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I received services from this company in XXXX for an extraction. I was never made aware of a bill that I had with them. My phone number or address has not changed since my visit. Today I receive an alert that they have placed a derogatory mark on my credit file. I contacted them immediately and did not get anywhere. Since XXXX I have filed bankruptcy in addition to having it discharged in XXXX XXXX. This debt should not be reflecting on my credit report. Such horrible service and business practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had a PNC custodial account set up for my daughter in MY name and hers. My soon to be ex-husband was somehow given information about said account from the branch he banks with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC put a late payment on my credit when we were trying to close on our house. We were not able to close for two months so my XXXX payment was late because the attorney froze my mortgage, we received a payoff from PNC plus an extension, now I ca n't get another mortgage & I am about to be homeless in two months. This was not my fault but somehow I need to fix it. I have a contract on a new property that I do n't want to loose. This is not fair to me as a consumer. I normally have great credit. Now it 's ruined. Please help

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I opened an account with PNC based on incentives offered by a rep. totaling {$250.00}. I fulfilled the required obligations as outlined by the rep but never received the incentives. I emailed her XXXX times including just after completing the last requirement. I received no response. After several months of no responses I filed a complaint with their corp office. I was told I had not completed all the necessary requirements and that the deadline to do so had lapsed. I pointed out in a response that had the rep responded to my emails I would have had more than enough time to do so even tho I dispute that I had not fulfilled all the requirements. The emails attached clearly show I contacted her approx. 20 days after opening the account which according to them I had 60 days to complete the requirements for the incentive. I would have had ample time to complete any additional requirements they felt I had not met. Again I strongly dispute I had not completed each requirement set forth at the time I agreed to open the account. I also I informed PNC I stopped using the account because of the rep 's and PNC 's refusal to respond to my correspondences.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
Someone open a credit card in my name at PNC and obtain XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
An old civil judgment has been satisfied. I sent the " Removal of Recording '' to the bureau to have the posting removed. Equifax declined stating they need an " Expunction '' statement from a local judge to remove. In Louisiana, expunctions are completed for XXXX Judgments. I explained there is no civil expunction process in place ; furthermore, I was told by the courts that the Removal of Recording statement from the attorney/client was sufficient to have it removed. The Equifax still refuses and is asking for something that can not be produced. Basically, there is nothing they will do to remove the old judgment from my credit report. The Civil Judgment docket number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-17 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: NY

Complaint narrative:
On my credit report there is a line item under the section titled " Hard Inquiries '' from a Company called XXXX, dated XX/XX/XXXX ( to be removed by XX/XX/XXXX ). I had to look them up because they were the only hard inquiry on my report that I did not recognize. They turned out to be XXXX. I do not have any XXXX credit cards nor have I ever applied for any XXXX payment arrangements. I sent a letter to Equifax because my credit score is fairly low and any help that I can get will benefit me, but I have not heard back from them yet. Pease provide me with some assistance with this issue? Again, any help will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: IN

Complaint narrative:
I received a notice from a debt collector and within their time frame, I mailed them a certified letter asking for copies of bills and payments on this account. ( I think the amount they show I owed is incorrect. I also had been making monthly payments on this account and had telephone conversations with this provider that assured me that if I made payments it would not be turned over to collections ). The collection company then sent me an original copy of said hospital bill after insurance paid that does not show any payments that I made on this account. I sent them another certified letter explaining that I did not dispute this bill, I dispute the balance owed. I also want an explanation as to why it was turned over to collection. I had not heard back from them until today when I got another notice in the mail from them stating that unless they hear from me, collection efforts will continue. Send payment in full today! Do I not have a right to this information that I requested? When I made my payment to XXXX online they never showed me a balance. Yet the next monthly bill would come showing an overdue balance of nearly {$300.00}??? My monthly statements also did not show previous payments made. I just want written documentation showing ALL bills on this account and ALL payments received. Why can I not get this information?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I have an equity line with PNC. They acquired my loan when they purchased RBC Bank. I have always had trouble paying my equity line. They only allow me to make future payments. They do not allow me to pay my principal in any way that I have found thus far. I called them directly on several occassions and they have no intention of resolving the issue. I was told I have an " old '' loan and therefore have no options for paying the principal except mailing a check with some letter of explanation as to my desire to pay the principal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Every year, PNC sends menacing letters to me ( and my co-mortgagee ) that we have n't provided proof of our condominium building 's master insurance policy. The letter ( s ) threaten that a master insurance policy will be opened in our name ( or already has been ). Often we have very little time to get the documents in. The process is cumbersome and time-consuming every year. This year, after resolving the situation in XX/XX/XXXX, we received an additional letter stating that a policy had been opened in our name anyway. After calling, submitting a SECOND copy of the document to PNC via its website, we were assured that the issue was now resolved and that a confirmation letter was on the way. Our statement for this month ( opened today ) shows that PNC in fact DID open a master insurance policy in our name in the amount of {$1200.00}. This was not necessary : the unit 's insurance is up-to-date, the building 's master policy is up-to-date, and we can show ( and HAVE shown ) proof that PNC has access to both policies. 

PNC takes no initiative to work with us, but sends us ex post facto threatening letters each year. This year they have taken a step too far by opening an unnecessary ( and perhaps illegal ) insurance policy. Customer service tells us they 've received documents, and then we are told that it does n't have them. 

Please help us. We have never been late for a mortgage payment, all policies are up-to-date, and yet we are treated as delinquents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a {$500000.00} CD in the BBVA Compass bank. The CD matured while I was out of town on businesstrip. The BBVA rolled the CD into a CD with 0.1 % interest. It was few days pastthe 10 days grace period when I found out the CD had rolled into another one. I asked the CD be broken and I would pay the usual 3month or 6 month interest penalty. I was told that there would be a 3 % penalty and Iwould have to pay {$15000.00} for early withdraw. The agreement I signed says at renewal, the bank will " disclose renewal terms '' to me. They never disclosed this 3 % penalty tome and this penalty was not in the original CD I signed up for. I have talked to theprivate banker, branch manager and district manager and they all say the 3 % penaltyca n't be waived. In fact some of the individuals I talked to at the bank were surprised by the 3 % penalty and told me that they also believed this to be excessive. I believe the action of BBVA with regards to this CD renewal isunethical and represents an unfair business practice. They did not " disclose '' the termsas they should have. I am a small business owner and I might have to go get a highinterest loan for my business while BBVA is holding my money hostage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: U.S. BANCORP
State: GA

Complaint narrative:
Dear Sir or Madam, In early XXXX this year, I applied for the US Bank XXXX XXXX credit card. I thought that the package offered by this credit card was attractive and decided that it was worth both a hard credit pull on my credit history and the {$75.00} annual fee that comes with the XXXX XXXX XXXX XXXX XXXX XXXX Card. 

Fast forward two months, the main perk of this card is cancelled : " Enjoy Bonus Award Nights when you redeem your Gold Points for Award Stays ''. I recently tried to book an award using the " Bonus Award Night '' which enabled me to have a second night for free on a two-night-or-longer stay and indeed realized it was no longer offered. This was a tremendous option as I could get up to XXXX nights per year free at more than XXXX XXXX XXXX hotels worldwide. Upon investigation, I see that it was discontinued in early XXXX. This is a mere two months after I applied for the credit card. I thought regulations prevented credit card companies from unilaterally changing the terms of the contract during the first year the account is opened. 

In any case, when I applied for the card, it was stated unequivocally that I would " enjoy all this after paying {$75.00} annual fee ''. I lived up to my part of the contract and paid the fees. However, I never received the benefit because US Bank decided to cancel those. 
As a result, I am writing to get compensation for this. I suffered a hard credit pull that will stay with my credit history for two years. I paid the annual fee that promised bonus night. But I will never be able to enjoy what I paid for. 

In addition, US Bank changed the term of the contract a mere eight weeks after I applied, implying that they knew about the impending change long before I applied but were still happy to collect the annual fee money without telling prospective customer. I think this behavior is unethical. 

My regards, XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
XX/XX/XXXX ( likely XX/XX/XXXX ), I called XXXX XXXX XXXX, told them I wanted to pay off my mortgage loan, and asked them how much money I should send in and whether I should send it to them or send it to PNC Mortgage ( the company taking over the loans on XXXX XXXX ). They said I should send in {$18000.00} and said if I send it before XX/XX/XXXX, I could send it to them, or after XX/XX/XXXX I should send it to PNC Mortgage. On XX/XX/XXXX, I wrote a check for the amount they said I should send and sent it to XXXX XXXX XXXX. Although they had given me the impression that they would process the pay-off, they sent it to PNC Mortgage. PNC called on XXXX XXXX and said I did not send enough money and please call their Pay-off Department. On XXXX XXXX, I called to complain. On XXXX XXXX, they called to say that XXXX XXXX gave me the wrong amount, and I still owe {$130.00}. 
On XXXX XXXX, I received a statement saying I owe a recording fee and interest on the loan from XXXX XXXX to when I paid it off and that they are continuing to charge me interest even now. XXXX XXXX had told me nothing about these extra costs, so I called and told PNC ( on XXXX XXXX ) that I will be filing a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Multiple calls it in one day, I 've told them to call me after XXXX because of work. XXXX will not work with me on making payments and have the debt removed from my credit report. XXXXsaid she only will have n't debt removed if I pay in full which I ca n't pay in full I would be more than happy to make payments only if they will remove my debt from my credit report once paid in full.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: TX

Complaint narrative:
Loancare sold my mortgage loan from there company to XXXX. While my service with Loancare, I made several additional payments to my principal to get my interest lower on my monthly mortgage payment. After several payments, it reduced my interest on my first principal payments by XXXX..increasing my principal by {$29.00}. When my loan was transferred, Loancare transferred the loan as if I never made any additional payments towards my principal. They even changed the first mortgage payment of my loan as a payment calculated off no additional payments. I have record of an official statement they sent before they reversed everything. They later transferred another lump sum of all additional payments I made. The lump sum was sent to the new mortagage lender stating I made the payments later.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-29 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NY

Complaint narrative:
My mortgage was recently sold to Loancare-A XXXX XXXX Company. Loancare appears to be unwilling or unable to provide information on my escrow calculations. Loancare does not have a mechanism for customers to speak with decision makers. XXXX60 minute phone holds result only in a message being taken. Email and web contacts go weeks without answer. I simply want Loancare to show my escrow calculations as they do n't match tax and insurance expenses.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NE

Complaint narrative:
Carrington Mortgage has lost my XX/XX/XXXX & XX/XX/XXXX payments. it has been 47 days and they still can not find the monies. They have sent me a Right to Foreclose letter, even though they received both payments on time. I have sent in verification of payments, my bank has sent in verification of payment, i have faxed in checking statements, spoken to multiple people and still no resolution. The loan was refinanced by them XX/XX/XXXX - I have provided both the old and new loan numbers and they still can not find my payments. I can not get any Supervisors to return my phone calls and the Escalated Payment Resolution representative will not return any of my emails. I will mention XX/XX/XXXX when I refinanced my loan for a lower rate, I did not realize they provided me a new loan number. That being said, the XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX payments were all processed correctly. They can not tell me why beginning with the XX/XX/XXXX payment the issue began. The level of customer service and communication is deplorable. I work at a bank myself in the loan department and not once have I seen it take this long to find a missing payment - nonetheless XXXX missing payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TN

Complaint narrative:
Submitted payment through the only means Carrington Motgage Services would make available, XXXX XXXX {$1600.00}. Carrington Mortgage Services declined payment. They are demanding full payment and I ca n't do that. It is over {$5000.00}. In addition there is no way to make a current payment. I have applied for the loan to be modified but I get the impression they are simply trying to drive me out of the house

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: AP

Complaint narrative:
Sir or Ma'am, I have problem of the Mortgage Company CARRINTON MORTGAGE SERVICES, LLC. I want to make a complaint. I am asking about the reinstatement letter loan that it IS NOT showing in details or itemized about what month that I owe, and what month will be paid but the company is not cooperating. Please help me if you can to let this company send me a bill with details or itemized what month I owed them. Thank you. 
Point of Contact : : " XXXX ; XXXXXXXXVery Respectfully, XXXX AP XXXX

Company response to consumer: Closed with explanation