vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
While reviewing my XXXX credit report, I noticed an unauthorized and fraudulent inquiry initiated XXXX PNC BANK on XXXX XXXX. I did not authorize employees of PNC BANK to review my credit report at any time. This action is in clear violation of my FRCA and Privacy Rights. I have requested that PNC BANK provide me with any documentation to validate this inquiry within 5 business days and they have failed to do so. I am requesting that PNC BANK contact XXXX and/or All credit reporting Agencies to permanently delete this adverse information from my profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I deposited our state tax refund check. Which was made out to ( my wifeand I ) XXXX and XXXX XXXX. I deposited it at the merchant square PNC branch atm. That was at XXXX on tuesday XXXX/XXXX/16. Then I recieved an email at XXXX hrs on XXXX/XXXX/16 that the check was not able to be deposited. I had to call pnc and was very Irate and had to get transferred to the escalation team lead who could n't do anything for me. I was told it was pnc 's policy " not to allow checks to be deposited when they 're made out to people not on the account. '' I responded my wife signed the back of it and I signed the back of it. I then asked for the specific policy ; which they could not find. They responded you signed the " checking account agreement. I asked them to read where it specifically says that. Again there was nothing stating that. They said I would recieve the return check within 10 days. I asked why ca n't I go get my check from the branch where I deposited it. They explained I would be getting a copy of that check and not the original. Then I would have to bring it to the branch along with my wife and her ID. I said I want the original check if not and it was a copy then Pnc should have it on file or in the computer and I should just bring my wife and her id to the bank and they just check it. They said that could n't be done. I demanded the original check then. They then were trying to get off the phone and telling us they would cotact us tomorrow XXXX/XXXX/16 at noon I told them I will already be at the branch way before then and that this situation should be taken up soon as they open. This is not the first time these mf'rs have had my money and told me what there going to do with it. I want something done. People 's money and bank accounts should be handled with respect and urgency! This is unethical business practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I owed a debt on a pass due traffic ticket to Alliance One. In XXXX, they intercepted my state tax refund of {$190.00}. In XXXX i qualified for the XXXX XXXX program reducing what I owe to about {$88.00} including the {$50.00} processing fee. I paid the processing fee up front on XXXX XXXX. I should get back approximately {$150.00}, but Alliance One claims this money is theirs to keep because the tax refund intercept is considered a payment that is irrelevant to the reduction of the traffic fine. I suspect this is a fradulent claim.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I am filing a complain against Stearns Lender for charging me too much for MIP. I had FHA loan with " Stearns Lender ''. My loan was paid off on XXXX/XXXX/15. Although the MIP was {$900.00}, I was charged for {$1700.00} for " prorated MIP ''. I called Stearns XXXX times to address the issue. Unfortunately with no resolution. 
I kindly appreciate for any help in this matter. 
I am also filing a small claim in court.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
I was in Florida and when I exit the toll, there was no place to pay the money. I received a letter from AllianceOne, Receivables Management, XXXX located at XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX WA XXXX. AN : XXXX ; Ref # XXXX. I purchase a Transponder and went on XXXX website and activated it. I called AllianceOne twice and spoke to a XXXX XXXX and another unnamed female. I pointed out the extra charge of {$13.00}. XXXX refuse to remove the fee so I can pay the account. I feel this is unfair since I have a XXXX account. Your assistance is required.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 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: FL

Complaint narrative:
Are clearly violating my rights as a consumer, send them a request for validation, which received the day XXXX/XXXX/2016 signed be XXXX XXXX XXXX at XXXX XXXX and show proof on this site today after 30 days without being requested by law this account must be removed, never received any attempt to collect on this account, and giving me the right to dispute partially or totally the balance in question, if so, I authorize to show on this site that document and copy of receipt in my home, are trying to expand with explanations baseless this situation, the law is clear and concise, it is illegal to report unverifiable and inaccurate accounts on credit reports for consumers, it 's my choice how I choose to communication with your company, in this case the mail, under the FDCPA and FCRA if not received the requested information, are obliged to remove this information from your report from Equifax, authorize that 's to disclose any information provided to show my signature accepting responsibility for this debt, if they continue forcing report this account without legal base, will play his response to the FTC check the database CFPB, which is effectively a clear violation of consumer rights, and to take appropriate action against your company, agree not to wait for the system to be updated within 30 to 45 days, you can remove that information when they choose, each day this in my report is illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: LA

Complaint narrative:
i have been fighting Equifax on the number of inquires on my report XXXX now, they do not belong to me ... .i have not applied for a job nor have i obtained credit from these fraudelant companies they keep telling me to take up with companies and i did send certified letters to them with no response from the majority of creditors. I would like to purchase a home in the future and these inquiries are hurting my chances. I was employed now retired from the usps which had a breech and personal info was impacted also irs had a fraud on me for someone else trying to file a income tax return XX/XX/2015 i feel my identity has been in jeopardy since XX/XX/2015 and would like all inquires since them removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc.
State: CA

Complaint narrative:
will not disclose what debt is for will not disclose what all fees/charges are

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: GA

Complaint narrative:
IVBE CONTACTED THIS COMPANY SEVERAL TIMES ASKING THEM TO VALIDATE THERE DEBT THEY HAVE N'T AND STILL CONTINUED TO REPORT TO ALL XXXX CREDIT AGENCY

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On Saturday XX/XX/2017 I went into my bank branch to sign papers to be able to transfer funds between my business and personal accounts and to cash a check. The teller refused to sign me in and let me wait in line for a banker and she then refused to cash my check ( MY business account check written to ME for cash ) and she refused to allow me to close my accounts as I requested several times. She said she was teaching me a lesson. There were no holds on my account, no reason for the check not to be cashed. She was mad at me because I said I was taking my money to another bank and she then absolutely refused to let me do anything at all on my account. I have filed formal complaints with the bank and have spoken to the branch manager. No one has called me back, when I call them no one will talk to me now. There have been many other problems as well, but this one has by far been the worst.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
We short sold our home in 2012. PNC Bank was the lender for a XXXX ( Home Equity Line of Credit ) on our home. They have incorrectly reported the loan on our credit reports. We ca n't get a loan to buy a home again unless they provide a letter stating that the HELOC was NOT a charge off, but a short sale. They also incorrectly show XXXX accounts on our credit reports, XXXX with the correct account number and the XXXX with an attenuated account number that have each been reported differently ( XXXX shows a {$0.00} balance and the other shows an unpaid balance ). They are XXXX IN THE SAME account. I ca n't get through to a sentient human being inside PNC Bank to TALK to anyone about getting a letter drafted that states this. They have no email address, no fax numbers, no mailing address, and phone numbers that put you on hold forever, require an existing account number or SS # to talk to someone, and do n't put you in touch with someone who understands what we need or how CRITICALLY IMPORTANT it is for them to correct this error on our credit report and provide us with a letter. We are a family of XXXX trying to buy a home again, but are unable to get a lender to consider working with us until this is resolved. PNC BANK SHOULD NOT HAVE THIS KIND OF POWER OVER US!!! We need a roof over our heads.

Company response to consumer: Closed
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau of Jonesboro, Inc.
State: TX

Complaint narrative:
I have not received any information verifying or validating that this account is mine. I disputed with credit bureau and the collection agency still not provide me with any information. 

I need an instrument bearing my signature stating that this account is mine. I also need a breakdown and calculation for amount claiming that I owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
advance fee loan. i have to file against XXXX different companies. never recieved any funding.spent XXXX of thousands of dollars. i will submit all info seperatly because there is to much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I have an auto loan with XXXX XXXX ( now Bridgecrest ) that I opened XXXX XXXX, 2014. I am current on my loan. I will soon be unable to keep up with my loan due to my current financial circumstances. I do not want to fall behind, or have my car repossessed. I have asked Bridgecrest if they would refinance my loan so I could have a lower payment, but was told they do n't refinance. 
Selling, or trading-in, my vehicle for a better loan is not even an option. After paying for 2 years, I still owe twice the value of the car. 
I ca n't " give the car back '' or " walk away '' without owing the difference, and/or having a terrible impact on my credit. 
Now, I am stuck with a car loan I am going to soon be unable to pay, and I ca n't be without a vehicle. How can I get Bridgecrest to help me?

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 2016-12-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I am the executrix of my mother 's estate. She died almost 3 years ago.. She has XXXX accounts at XXXX XXXX Bank XXXX I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent 6 hours and 36 minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the 6 hours and 36 minutes I had contact with XXXX people and total conversation with each was about 5 minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. 
Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information. 
It is impossible for me to get help with this. I have tried and tried. I have heard nothing back from the first complaint I filed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
To whom it may concern, I am writing regarding my current mortgage lending company : Stearns Lending who is currently subcontracting through an agency XXXX to handle some loan issues. 
I had water damage to my den and back bathroom on XXXX XXXX, 2016. My home insurance company XXXX XXXX sent me a check to repairs these areas. The check for reimbursement {$13000.00} was sent to the attention of the lender and myself. I signed the check and sent it to XXXX XXXX XXXX on XXXX, XXXX, 2016 and they were suppose to sign it and issue a new check. I have been waiting 4 months to receive the reimbursement and fix my den and bathroom. In the meantime I have been reduced to using only XXXX bathroom in my house. I have a son that has a XXXX and is seen at XXXX. He XXXX and it is difficult for XXXX people to use XXXX XXXX when someone has a XXXX such as this. Also due to my previous bathroom being gutted it has let mice, ants, roaches and other rodents into my home. This has cause significant stress to me and other members of my household. They recently told me they would send me a disbursement to start the work. I ended up receiving a check for {$93.00} in the mail. I 'm not sure how they think this will get me started but I did not cash it. I do n't understand why they are holding on to the funds to fix my home. I have provided all the necessary documentation and permits. I need help. I have spoke to various managers and no one is doing anything. Also I am also the one that payed the insurance to cover my home. I spoke with XXXX XXXX and they also do n't understand what is taking so long and why the home has not been repaired.

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 2015-11-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Stearns Ventures, LLC
State: IN

Complaint narrative:
I called my previous mortgage lender Stearns Lending on XXXX XXXX, 2015 only to state that I had my loan tranferred to XXXX. I did not and have not received any information regarding the mortgage loan transfer until I contacted Stearns Lending on the above mentioned date. Reason I am filing a complaint is I currently am going through a valid hardship ( i.e. lost my employment ) and have sent off the hardship letter package on XXXX XXXX, 2015 to Stearns. I am attempting to determine what are my next steps and I have been on the phone with both Stearns and XXXX for over an hour today and have gotten no information as I have retained copies of my hardship package as directed by Stearns Lending to attempt to provide this information to XXXX to no avail. I want to file a complaint against Stearns Lending for not providing me a 15 day notice that my loan was being transferred as I have not received any educated information on what steps I can do to make an educated decision on what to do next without losing my home.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Asset Recovery Group, Inc.
State: WA

Complaint narrative:
I had a loan with a XXXX college in OR state but have been sent to collections because I have had a hard time paying my loans. Recently I missed XXXX non-consecutive loan payments and they are threatening to garnish my wages at XXXX the monthly loan amount. I can hardly ever get ahold of them and when I do, there 's only one lady who I can speak to about it and she is very difficult to deal with. I just want to set up a payment that I can afford. I do n't know where esle to turn. Any help would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I am trying to get my PMI removed and I have been dealing with Nationstar Mortgage. I have called several times to get the fax number or address and process on how to do this. They have given me several fake fax numbers so I finally had to send all of my documents ( Private Mortgage Insurance Disclosure that I signed ) and their form via registered mail. I have called several times since they received the documents. When I finally got through to them they told me that I had to wait for automatic termination. This is not what is stated on the PMI disclosure I signed. It states that I can request it be removed if I meet all the conditions and I do and my loan is at 80 % LTV. They keep giving me the run around. They are denying my rights and it is so clearly written in Black and White on a legal document that I signed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My son is away at XXXX in XXXX, Pennsylvania. There is no local bank for him so our bank advised him to use the no surcharge ATMs to ensure there is no charge for getting cash from the atm. When we arrived at his dorm there was an ATM right in the lobby that stated no surcharge on it ( picture attached ) so I told him to make sure he uses that XXXX. When he used the ATM it now stated they were charging a {$3.00} fee for withdrawal ( picture attached ). There is XXXX students in my son 's XXXX class and nearly XXXX students on campus. These student are hundreds and some thousands of mile away from home and need to have access to their money for necessities like books and food. PNC has the market for ATMS on campus and are falsely advertising their inaccurate service. 
I contacted PNC customer service and talked to representative XXXX XXXX on XXXX at XXXX XXXX. He took the information and said he would forward it to their service department to get the sign taken down. I asked what they were going to do for these students that have already been falsely advertised to and had to use their ATM. He said they should not have used the machine and their is nothing he would do. I asked to speak to someone higher up and he would not provide a name or number. He told me to dispute the charges with our bank. I hung up and called our bank and they said their is nothing they can do on their end because the charges came from PNC. 
The issue is that they falsely advertise and these kids are, for most, first time away from home and have no other choice but use the machine or take a chance to go off campus and XXXX only knows what may happen to get the money they need to survive. If we use the example of approximately half the student body ( XXXX ), and they take money out of the PNC ATM once a month for {$3.00} each transaction the bank has just made {$35000.00} a month unfairly. We send our children to getter a higher quality education and the big banks are morally and unethically teaching our kids that it is ok to falsely advertise and make money for doing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
Short and simple. My sister used my social security number to pay for her first month 's rent with out my knowledge.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation