vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My mortgage ( specifically a Home Equity Line of Credit ) payment amount was {$1300.00}, and its bieng changed to {$770.00}. The process is a " PNC Loan Modification ''. PNC has a 3 month " trial '' period for this program. If all XXXX payments are made, the loan amount becomes permanent. 
The problem is that even though they approved my loan modification, and I am making my payments on time ( I gave them XXXX check numbers so they can process XXXX every month, on the XXXX, by themselves. Insuring I wont ever be late. ), they still send me collection notices. These " notices '' say they were unable to contact me, and its very urgent they speak to me, and I am XXXX or XXXX or 90 days behind on my payment. 

When I call, as directed by the PNC letter, I am told my account is current and not to worry. PNC says these are automatic and can NOT be stopped. They tell me my account is in good standing, and ignore these letters. 
However, its been a month, and I got another XXXX. I called ..again ... .and was told the same things. 
They also are reporting me to transunion as being late. 
I feel this is just terrible and wrong of them! They tell me collections will continue during this 3 month trial because some people dont make it through the trial period. I want to know why am I being penalized because " other people '' failed this trial period? 
Because of this PNC loophole, If you pull my credit report, it showed I was 30 days, and now 60 days late, and next month there will be a 90 day XXXX. 
Nobody can see that Im " really '' not late, and im in a trial period for a modification, and Ive made XXXX of my new payments on time. All you 'll see is the late marks ... and my every lowering credit score from this. 

I do what I am told. I call, as per these letters, and Im approved for the loan amounts, yet I am being reported, my credit score lowers, and have collection letters sent to me, that even PNC tells me to ignore. Does this seem fair? 

Can anything be done? This just seems wrong to me. I should n't be penalized for doing what I am supposed to do, should I? Why cant PNC stop the collections, even if just for these " 3 month trial periods ''? Cant they give me the benefit of doubt that I will continue to make the payments, which I have been making so far? 

When I try to find someone at PNC to ask if they can stop the reporting, I get the run around. Collections dept transfers me to the supervisor, who transfers me to something called " c cat '' dept, who tells me I have the wrong dept, and I need to speak with collections. Enough to drive even the most patient person to insanity!! 

Nobody at PNC seems to be capable of helping in an way. They brush me off, and transfer me around to someone else

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IN

Complaint narrative:
On my XXXX mortgage payment to Carrington mortgage services I made a paper check payment in the amount of {$470.00}, which was the full amount due. When I looked at my bank statement I saw the mortgage company withdrew {$1100.00} which was {$700.00} more than I wrote the check for. The mortgage company has refused to refund me the {$700.00} they took from my account without permission and they t have told me every week for 4 weeks that the money is in my account. I have sent them my bank statements showing the money is not in my account and have contacted my credit union to make sure there have been no attempts to put money into my account. The mortgage company is now telling me I am not eligible for a refund and they have n't even applied the {$700.00} to my mortgage account, so it appears they hare just keeping my money. Now any attempts I make to discuss this matter with them over the phone I am put on hold fro 20-30- minutes until I hang up from frustration. This has been a huge financial distress for me and my family as this was an entire week paycheck and has made it difficult to pay my normal bills and buy groceries and gas for the entire month of XXXX because of these missing funds. I made my XXXX payment as requested so obviously the {$700.00} was not applied to my mortgage account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have an account with PNC Bank in Pennsylvania. I setup an online mortgage payment for XX/XX/XXXX. PNC disbursed a check to my mortgage company on XX/XX/XXXX, postdated for XX/XX/XXXX, then allowed the mortgage company to cash the check on XXXX which caused 1. my account to be overdrawn and 2. The check to be sent back and then redeposited. I was charged a NSF fee and called to find out if the check would be honored on XX/XX/XXXX. PNC could not give me an answer and suggested to be safe that I set up another payment. So because I was traveling out of state by train and knew that I would have no access to a phone or computer I scheduled a backup payment for after I returned on XX/XX/XXXX. PNC again disbursed the payment on XX/XX/XXXX ( the original payment had eventually been honored on XX/XX/XXXX ) causing my account to be overdrawn again and charging me another NSF fee. When I called them to have the payment stopped I was told that I would be charged for stopping the payment and for the fax to the mortgage company requesting that they do not re-deposit the second payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MD

Complaint narrative:
My XXXX XXXX XXXX loan was transferred to Carrington Mortgage about 30 days ago. I was sent a notice, but I was never sent a welcome package or any information about my new account from Carrington. XXXX XXXX XXXX gave me the phone number for Carrington and I called to get my account number and information. I was assured that more information was coming in the mail and that XXXX payments would not change. I still have not recieved a welcome package, instead, I have recieved a notice that my 30-year conventional mortgage payment is going to go up over {$50.00} due to estimated escrow changes. This is ridiculous. I have not been motifiifed of any tax or insurance changes and there is no need for this payment to go up. I feel like this is unnessesary and unjustified. Definitely not the 'Welcome package ' I was expecting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: WI

Complaint narrative:
I purchased my home in XXXX XXXX and had my loan serviced thruogh XXXX. I had set up automatic payment to come out the XXXX of every month and had no problems or missed payments. On XXXX XXXX XXXX I received a packet in the mail stating starting that day my loan will be serviced through Loan Care. I never received anything from XXXX saying they were selling my mortgage. I contacted Loan Care to find out how to pay my XX/XX/XXXX mortgage since it was due that day. When I contacted Loan Care they were unable to tell me anything because it would take some time for my account to be loaded into the system. They told me to go ahead and send a payment in with the coupons that came in the packet of info. I mailed the payment and coupon on XXXX XXXX and kept checking on the status of it for 3 weeks. The payment has not cleared, I am being told that I am past due. I asked if I should stop payment on the check and just pay online. I was told if I stopped payment on the check I would be charged a XXXX dollar NSF fee. In the meantime, I set up automatic payment for XXXX XXXX mortgage and that payment has n't cleared the bank either. I never asked to be sold to another company and this has been a headache for about 4 weeks. I have made 4 phone calls and no one has been able to tell me Anything. My homeowners insurance was also renewing in XX/XX/XXXX and my insurance company had no idea who to contact regarding billing. This is ridiculous. I can not believe that I did n't have to legally be told sooner than the day payment was due. XXXX never informed me of anything. They sent the XX/XX/XXXX statement saying the normal payment was due but never anything about selling the mortgage.

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 2016-01-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: KS

Complaint narrative:
Absolute nightmare to deal with it. Waited on hold for sometimes 30 mins for what I viewed as simple questions. Once a representative would pick up I would proceed with my question, if they did not know the answer they would simply hang up the phone and I would need to spend another 30 minutes to get a hold of someone. If the rep did not hang up on me I was usually provided in accurate information. Without question the worst company I have ever dealt with. Luckily I have closed out my loan and after an hour and half of attempting to verify the address where the tax documents would be sent, ( after 3 unsuccessful attempts ) I hope I never have to contact them again.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: ME

Complaint narrative:
I was not aware that XXXX sold my mortgage to Carrington Mortgage Services in the month of XXXX 2015, until I logged in and found that nothing was working, and none of my loan information was available. I ended up sending an email to XXXX to see what was going on, and they informed me of the mortgage being sold. This was fine, until I went onto Carrington 's online banking site for my Mortgage and found that they had increased my interest rate by one percent. When I called to try and get it resolved, they told me it was my responsibility to fax them the original paperwork for my mortgage with the correct interest rate. I do not feel it is my responsibility to correct this issue, since I never agreed to a higher interest rate and they had made the mistake. I feel like they probably do this to a lot of consumers in hopes that they are not paying attention and will steal more of our hard earned money.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Southern Management Systems Inc.
State: NY

Complaint narrative:
I took out a loan for XXXX semesters for student housing at the College XXXX. ( Original Creditor ) Since I transferred to a different school my XXXX semester they are stating that I owe money from the loan that was taken out. They sent that bill to a collection agency who wont provide me any proof of this balance. This balance gave me a hold on my transcripts which means I can not further my education without this token care of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: TX

Complaint narrative:
My 2nd lien mortgage is very delinquent due to a BK and payments not being paid to the creditor during the BK. I have tried everything in my power to work with this company. As I am now able to make the payments and keep the loan current. I sent a check for XXXX payment {$19000.00}. The check was not cashed or returned. This would cover all the PITI. leaving only fees and forced placed flood insurance ( my hone is not in a flood zone I paid the {$500.00} to have a the home re-survey and the letter needed for XXXX to remove it ) Not sure why the 2nd forced placed insurance and my first lien did not. I attempted to call and e-mail their advocacy group and was told they can not talk to me due to a cease and desist order. I exampled that was put in place due to the BK and that only means they can not contact me but if I 'm seeking out help they can talk to me. The rep refused to give me any additional information as to where my {$19000.00} went and why it was not accepted. The loan has not been breached and is not in XXXX they send me a monthly statement. They have no right to refuse payment. They have in no way issued a demand letter demanding payment in full. I tried to send them the full XXXX payments I am behind in XXXX payment and like I said above not sure what happened the check has not been cashed or returned and they wont talk to me. The chpt XXXX BK was completed XXXX 2015 all payments were paid on time.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: MD

Complaint narrative:
Loan Care aka XXXX bought my loan and I started making payments to them in XX/XX/XXXX. I have made XXXX payments to them to date for XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX. Every single payment has been applied incorrectly to my account. I made a payment on XX/XX/XXXX to satisfy my XX/XX/XXXX payment. They applied it as a principal curtailment and did n't bump my due date. I called several times to have it reversed and reapplied correctly. They eventually reversed and satisfied my XX/XX/XXXX payment BUT they applied it as of the day they fixed it ( XX/XX/XXXX ) not the day they received the payment ( XX/XX/XXXX ). Made a payment XX/XX/XXXX for XX/XX/XXXX and their automated system confirms they received it that date but they did n't credit my account until XXXX. I made and they received a payment XX/XX/XXXX to satisfy XX/XX/XXXX payment and they applied it as a principal curtailment again. I have called and called these people and nobody can tell me why every payment is applied incorrect nor do they ever fix my account. It is now XX/XX/XXXX and my XX/XX/XXXX payment is late when I made it XX/XX/XXXX. I 've called 6x just in the past two weeks without anyone resolving my issues or answers as to why this is happening. I 'm running out of time before a late fee will be charged for my XX/XX/XXXX payment, which eventually be reported to the credit bureau. They said if it gets to that point they will fix it but they have n't fixed ANYTHING yet. How will they fix a false report to the credit bureau?

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 2016-05-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc.
State: FL

Complaint narrative:
XXXX XXXX is providing the wrong information for a debt in order to damage my credit. They are reporting that I owe {$1800.00} to the credit bureau through NCC Business Services. They are reporting that I owe them for the month of XXXX, XXXX rent. Late fees, XXXX damage fees and a cleaning fee of {$75.00}. cable and water. I paid the rent for XXXX and water XXXX money orders were cashed. The cable was disconnected in XXXX - XXXX. The manager refused to do a walk through and the office would n't answer my calls so I took pictures of the apartment upon moving out. I cleaned the apartment thoroughly. I also stayed there for two years so any cleaning would be normal wear and tear for after two years. There was no damages or over cleaning that had to be done and I do not know what damages they are referring to. I stayed until XXXX/XXXX/2012 which I have proof of with a moving truck receipt. I believe they are trying to retaliate against me because I filed a complaint against them with the XXXX. The manager refused my payment in XXXX and filed an eviction against me. I tried to make the payment several times but she pursued with an eviction in effort to damage my credit history. When she filed the eviction, she kept my money order so I was n't able to deposit in to the courts and was granted an eviction. I moved out before the sheriff could come out and evict but I had no cable in XXXX and XXXX XXXX verified that the cable was disconnected XXXX/XXXX/2012. The {$1800.00} charge is including cable for XXXX, and XXXX. I also paid cable for XXXX even though it was disconnected. I called the apartment to question why she was reporting false information and she said take it up with collections and hung up in my face. XXXX is the only credit agency that refuses to remove the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL

Complaint narrative:
Account Resolution Services has XXXX medical accounts in collection that are reporting on my credit report. I do not believe that these account are mine and requested validation of these all XXXX medical bills. Account Resolution Services has failed to provide me proof that these medical bills are mine. I want to see my signature that I was at a hospital and I want to see where I signed a HIPPA agreement. 

Thank you

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-01 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
BBVA Compass froze my account without notice after cashing a fraudulent check because they did n't do their due diligence and verify funds availability of the check ( POLICE REPORT FILED ON WEDNESDAY, XXXX XXXX, 2015 WITH THE XXXX SHERIFFS OFFICE IN XXXX, FLORIDA ). Further I was not notified in any way about my account being frozen or the fact that they are going to hold my employer based direct deposit and all other accessible funds on my account, which has placed my family in dire financial constraints even for basic necessities. All of this was without knowledge to me of what the bank was doing with my account/ my funds. All of which violations of Regulation E, Graham Leach Bliley Act, Dodd-Frank Act and financial acts relative to full disclosure given on actions taken by financial accounts to consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: NCC Business Services, Inc.
State: CA

Complaint narrative:
I have a feeling it has to do whit my current id theft case although they refuse to disclose and continue to harass me at my workplace

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: AL

Complaint narrative:
I have a home equity line with bbva compass bank in XXXX Alabama and I had it for years with no problems. The bank suddenly decided to suspend my account and close it and force me to Pay back the loan over a restructured payment plan over 15 years. I am current on my payments and I was never late so I do n't know why they are doing this .the account was active and in good standing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NY

Complaint narrative:
LOSS OF WORK PUT US IN A SITUATION OF FALLING BEHIND ON OUR MORTGAGE FOR 4 MONTHS. THEN WE FINALLY WERE ABLE TO MAKE A FULL PAYMENT DURING THE 4TH MONTH AND XXXX XXXX XXXX WOULD N'T ACCEPT ANYTHING LESS THEN THE 4 FULL MONTHS. THEN THEY TOLD US TO FILL OUT A HARDSHIP PACKAGE SO THEY COULD SEE WHAT PROGRAM WE QUAILIFIED FOR. 1 1/2 MONTHS IN THE PROCESS THEY SOLD OUR MORTGAGE TO A COMPANY WE 'VE NEVER HEARD OF " CARRINGTON ''. THE HARDSHIP PACKAGE WAS NEVER FORWARDED TO CARRINGTON AND CARRINGTON WOULD N'T ACCEPT PAYMENTS BASED ON THE INFORMATION XXXX XXXX XXXX GAVE THEM. SO HAD TO SUBMIT ANOTHER HARDSHIP PACK WITH THEM. NOW AT 8/9 MONTHS BEHIND THEY TELL US WE DO N'T QUALIFY FOR ANYTHING OTHER THEN LIQUIDATING OUR HOUSE. THEY TOLD US WE CA N'T APPEAL THE PROCESS BECAUSE US FALLING BEHIND HAD NOTHING TO DO WITH LOSS OF INCOME. I HAVE NO IDEA WHERE THEY CAME UP WITH THAT XXXX. I SENT THEM MY UNEMPLOYMENT BENEFIT PAGE SHOWING HOW MUCH I RECEIVE AND WHEN IT BEGAN. WE WANT TO KEEP OUR HOME, WE OFFERED THEM {$5000.00} DOWN ( THATS 75 % OF WHAT WE OWE ) AND THEN WORK OUT A PLAN THAT WE COULD PAY SOME EXTRA EACH MONTH ONTOP OF OUR NORMAL PAYMENT TO GET US BACK ON TRACK AND THEY SAID NO. WE HAVE LIVED IN THE HOME FOR 12 1/2 YEARS.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
My mortgage was sold to Loancare around XXXX 2014 and since then I have had to call and make them take my payments off of the " principal '' and put it back to monthly payments. I have always been ahead on my mortgage only to be told by Loancare that they put my payments to principle instead of my payment every single month,. I am furious that I have to keep fighting for the true status of my mortgage because XXXX XXXX decided to sell my mortgage to the most incompetent people in the mortgage company business. I want to find out how I can get away from this nightmare company, and the hours of phone calls to these morons! We all deserve better than having our mortgage sold to such incompetent, and rude people.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation