vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-23 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc.
State: CT

Complaint narrative:
I had a procedure at XXXX XXXX XX/XX/XXXX. The company never sent me a bill because they recorded my address incorrectly and did not double check their error. Sold my debt to Eastern Account System of Connecticut , Inc. ( Creditor XXXX ) I received a call, out of the blue, on XX/XX/XXXX from this company demanding payment for something I had no clue I owed. I advised I would be in touch with XXXX XXXX and sort out that debt. I spoke with XXXX XXXX the same day ( XXXX ) who advised they had the wrong address and did n't bother to cross check before sending to collections. She stated she would pull back the collection and send me a proper bill, which I stated I would pay. 

The next call I receive is XX/XX/XXXX from the collection agency stating they are still owed. I explained my conversation with XXXX but he saw no note that the debt was pulled. It was late in the day Friday. 

I spoke with XXXX at XXXX XXXX on XX/XX/XXXX who stated that XXXX did pull the collection back but did not reset the cycle and it was sent back to collections. She advised she would have her manager ( XXXX ) call the debt collector to explain/remove. I sent a check for the amount owed to XXXX XXXX on XXXX. USPS tracking XXXX XXXX XXXX. This check was cashed. 

I mistakenly thought this was all settled but today ( XX/XX/XXXX ) I receive a letter from Eastern Account System of Connecticut ( dated XX/XX/XXXX ... ) that the debt was not paid and that since I did not dispute their letter from a month ago ... which I did not receive, that the debt has been reported to a credit bureau. 

I am buying a house in 2 weeks and my career depends on a spotless credit rating. Their bush league antics have caused me XXXX and could affect my livelihood. Please do something about these criminals.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
I have been requesting Calvary Portfolio to send me a signed document or assignment that I owe their company this debt. To date, I have not received anything from Calvary Portfolio besides a copy of a bank statement. I have been requesting XXXX, XXXX and XXXX to verify the debt and the bureaus have been unable to. The only information I receive back is that the furnisher is providing that the information is accurate. I have attached correspondence dating back from XXXX XXXX, 2016 of disputes regarding this inaccurate information. I am unaware of any assignment of ownership that Calvary Portfolio has regarding this alleged debt. The furnisher has refused to send me the requested documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: CAVALRY INVESTMENTS, LLC
State: IL

Complaint narrative:
FAILED TO VALIDATE DEBT INQUIRY IN DIRECT VIOLATION OF FCRA AND SEVERAL CALLS AFTER DNT CALL AND CEASE AND DESIST ORDERS, HAVE VOICE AND ALL PHONE RECORDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc.
State: IL

Complaint narrative:
I have a collection account on my credit record with Experian that I have disputed multiple times and they still will not remove it. It should not be in my credit report because I am not responsible for paying the debt since I was not the insured party that incurred the debt and not on the policy or received the service. I disputed the same account with XXXX and XXXX and they removed it from my credit record - Experian will not remove it.

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 2017-03-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
I turned in my leased vehicle, XX/XX/XXXX BMW XXXX XXXX, and was released from the associated lease on XX/XX/XXXX. Despite only having the leased vehicle for 107 days during the calendar year of XX/XX/XXXX and properly closing out the lease, BMW Financial Services sent me a bill for for a full year of property taxes on the vehicle plus extra charges equating to {$1500.00}. I informed BMW Financial Services that I was willing to pay the property tax for the 107 days I leased the vehicle which equated to {$410.00} ; however, BMW Financial Services stated I was responsible for the full amount they paid on my behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 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:
PNC Bank never gave me the promised sign up bonus. They bait and switched me into an account. Then, I deposited a check and forgot to authorize it. It 's a new knid of check I did n't realize I had to pre-authorize. So, I went back and put in another check and the bank kept it and told me my account was closed. I contacted the bank ASAP telling them I put a stop pay on the check and they reported me to XXXX for fraud. 
I also contacted them and asked to be opted out every way possible via their privacy policy and they claimed they could n't do it because my account is closed, which is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Podium Mortgage Capital LLC
State: AZ

Complaint narrative:
I asked XXXX to investigate my dispute with XXXX. The only thing XXXX does is to send my information to XXXX to investigate. XXXX does not investigate. The only thing XXXX does is to seat on the investigation until the last days and say the report is accurate. XXXX basically sends the same letter with an updated date. XXXX or XXXX has not or will not look at the information I supplied to them. I even asked XXXX to supply me with the time the funds arrived, the time the funds were processed, and the time the funds were accepted for each month. I even asked XXXX to ask XXXX, but I only received some of the months. I have sent more than enough information to prove my payments were on time. As long as XXXX knows they can get away with it they will continue to do it until I will stop filling my complaint towards them. I really believe it is the responsibility of Bureau of Consumer Financial Protection ( BCFP ) and Experian to do a complete and thorough investigation, and not only take the words of one person or company. I have the legal right for this to happen under the Fair Credit Reporting Act ( FCRA ) and the Fair Trade Credit Act ( FTCA ). 
Check/Ref. Number Payment Due Date Date Payment Posted Description Amount Applied Date XXXX Received Time XXXX Received/ Posted XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX Payment {$1000.00} XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX Payment Reversed - {$1000.00} XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX PBP/Payment {$1000.00} XXXX XXXX ET XXXX XXXX XXXX ACH/Payment {$1000.00} XXXX XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment {$1100.00} XXXX XXXX XXXX Payment* {$1100.00} XXXX XXXX XXXX PBP/Payment {$1100.00} XXXX XXXX ET XXXX XXXX XXXX Payment* {$1100.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
There is an PNC Credit Card account listed on my credit reports that I did not open and I have no idea who opened this account. I have written the company and the ceo and they have dragged there feet in removing this account from my credit files.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: AZ

Complaint narrative:
I asked BMW Financial services for an extension on my lease pmt back in due to a medical emergency in XXXX to which they replied that could not be granted in a lease but the offered if i made a pmt then, they could change the date to give me time to catch up. I agreed and made the pmt and the change of date but instead of benefiting me they added another pmt. they violated the agreement and multiple managers agreed, but as of today after keeping my original agreement I do remain in a constant almost 30 day past due incurring fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I had an issue making my monthly car payment to PNC and I called them to make payment arrangements. I gave them a partial payment that day and the remaining portion was to be paid my next paycheck 2 weeks later. I was told that this would be ok. 3 days later my PNC account was overdrawn because they took the remaining part of the payment 7 days prior to the agreement. Now PNC is overdrafting my account {$35.00} every day.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Alliance One, Inc.
State: TX

Complaint narrative:
individual keeps calling my work number telling my co-worker that a warrant for my arrest has been issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My debit card was compromised on XX/XX/XXXX for over {$300.00} on XXXX different transactions. I was then promptly charged XXXX overdraft fees. But before those even, I had enough money to cover XXXX transactions on XX/XX/XXXX. I paid a cable bill for {$170.00} online and then made an atm withdrawal for {$60.00} which according to my ledger at home and online I would have had {$9.00} left. The bank charged me XXXX overdraft fees for those XXXX particular transactions when I clearly was not overdrawn. This whole fiasco was unnecessary and has caused this single parent unwanted stress and inability to care for my kids the way I have been able to up until now.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-04 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:
My mother passed away in her sleep, in her apartment in XXXX, IL, XXXX XXXX on XXXX XXXX, 2016. Her soon to be ex husband, who is on XXXX in Florida, is on XXXX filed for legal and financial separation after she left him about a year earlier. The decree was to be finalized towards the XX/XX/XXXX. He has no money and could not have done anything concerning the arrangements. She has a sister there ( XXXX XXXX ) who was trying to deal with everything although she has no money either. There remains only my sister and I. I being the eldest I stepped in for my Aunt 's sake. I paid for everything, the cremation, memorial, etc. I paid for my flight there and my stay there to try to take care of things. I also had to pick up the car, pay it off and drive it back to XXXX from Illinois. What remains to be resolved is the small checking account at PNC bank. In there is {$2700.00}. Social Security removed about {$XXXX} which they had just sent her so now there is the {$2700.00} left. Social Security removed this after I let them know that she passed away. I informed everyone, having the death certificates and providing them, that my mother passed away. I was originally told by PNC while I was there that I could hand write and notarize a document declaring that I will be handling her affairs as she left nothing, no instructions, will, POA ( except for what to do with her remains ). Someone else was supposed to have taken care of her remains ( POA ) but they did not, so it was left to me. My sister does not want to be involved although I have included her anyway. So PNC has told me that they need documents stating that they can send me a check for the balance of her account. They also told me the death certificate and the hand written notarize letter which they told me to produce would not resolve this. I spoke with many people at PNC to try to resolve this. So after several phone calls to the State of Illinois and OCC, I have been referred to you folks. I am hoping that you can help. They ( PNC ) told me they will hold on to the money for 4 or 5 years before releasing it to the state. It is not their money and it is easy to prove that I and my sister are her remaining, living children. Obtaining a lawyer would take much of the money so it would only add to the frustration. Filing a Small Estate Claim requires that I be responsible for her outstanding Credit Card debt. Not an attractive idea. I have not contacted any of the CC companies. There are no PNC branches out here in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: One Source Technology
State: TX

Complaint narrative:
These agencies are giving the wrong conviction of my criminal background. My final conviction was a XXXX, not a felony.

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 2015-09-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My mortgage has been transferred to a new servicer three times in 3 years. This latest time, I received a letter on XX/XX/XXXX that told me my bill due XX/XX/XXXX was due to the new servicer, even though I had not yet even received a bill from them. Then I received a " privacy policy '' that says they will share my information freely for marketing purposes unless I jump through several hoops to get it turned off. Oh and by the way, I only have 30 days to do so and their office is only open from XXXX to XXXX if I choose to phone in a change. This is a gigantic pain XXXX. why must I go through this routine every year?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: GA

Complaint narrative:
Our mortgage servicer failed to pay our XXXX property taxes on time. It took over a month of multiple emails and phone calls to get the taxes paid, even though the money was in our escrow account. After paying the taxes over 4 months late ( we only realized they were not paid after XXXX XXXX sent us a notice of intent to lien our property ), the servicer sent us an updated escrow analysis that increased our monthly escrow payment, and incorrectly included our sanitation/solid waste fee in the analysis. The analysis also included a revised payment amount effective XXXX/XXXX/XXXX ( which increased payment has been paid ). I contacted the servicer on XXXX XXXX to let them know the solid waste fee was improperly included, and provided proof that the fee has been paid out of pocket, not through escrow. They initially responded via email stating that the fee would be removed and we would receive a revised escrow analysis and monthly payment amount within 9 business days. As of today, XXXX/XXXX/XXXX ( almost 2 months after initial contact ), we still have not received a revised statement. I have followed up multiple times in writing, to which I received XXXX response basically stating they had changed their mind about removing it because it was " set up at closing ''. This is also inaccurate, and I provided them a signed copy of our escrow account disclosure from closing which only included XXXX Taxes and Insurance. I have followed up multiple times since providing this information, and still have received no response. On top of the non-responsiveness, the servicing department only has a generic " servicing '' email, so you never have a name or email address of an actual person to even know who has emailed you or who you are emailing. Additionally, if you call customer service, they can not provide you with a name or contact information for an actual person who handles escrows, they only state that they can " put a note in the system '' and escalate it to the escrow department. I contacted them in ample time to get this taken care of before our increased payment went into effect on XXXX, but since it has not been resolved, we have now had to pay the increased payment amount that wrongly includes escrows for solid waste and sanitation.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I obtained a mortgage through PNC bank. There are XXXX things that happened during the course of the mortgage process, XXXX is questionable, and the other is my specific complaint. The first packet of contract documentation had my interest rate set at 4.875 % instead of the 4.5 % that we agreed upon. They told me that it was a computer error where the .375 % was automatically added onto the original 4.5 %. My loan officer told me that he sent me an email stating there was an error, but I never received any communication to that effect. Had I not read the contract before signing, the 4.875 % would have stayed ( I am a XXXX home buyer ). The week prior to my closing date PNC 's appraiser said made a note about a front step of my house being a potential stepping hazard. The underwriter then delayed the closing by requiring the seller to remedy the issue. This pushed the closing date back a week. The original closing date was XXXX XXXX. A contractor fixed the problem on XXXX XXXX and the house was reappraised and approved on XX/XX/XXXX. The new closing date was XXXX XXXX. After XXXX on Thursday XXXX XXXX, I received a call from my loan officer stating that he had just sent me the final breakdown of costs for the closing via email and that he wanted to review it with me. Upon reviewing the documentation, he tells me that the bank charged me {$1500.00} for an extension of the interest rate that allegedly expired XXXX XXXX. I asked the bank how long the rate was locked in and they said XXXX days. I did not sign a contract with them until XXXX XXXX, which would have locked it in until XXXX XXXX. My main contention is that I was not told of the interest rate expiration or disclosed of the substantial fee until the call the night before the closing. I was moving into town from XXXX hours away and felt coerced into accepting the fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am a recent XXXX from a XXXX at XXXX College, in XXXX XXXX, PA. Until last week, I was under deferment for my private education loans. I am now unemployed and struggling to make my loan payments. Of course, I am under IBR for my federal loans but my private educational loan lenders, XXXX XXXX and PNC, they are relentless. I am desperately seeking work and am unable to consolidate due to low credit ( due to my student loan debt ), and I do not have a cosigner, because my parents recently filed bankruptcy. I am running out of options and they will not give me any other options of repayment, deferment or forbearance. I have considered ending my life over the stressors, but my grandmother is the cosigner on my private loans and she would be forced with them. This, of course, is not to be dramatic, just trying to illustrate how hopeless the situation at hand is. I feel as though I need help. I need someone to help me through this situation. Please, anything, any information you can help me with is vital. Again, I 'd like to illustrate that I am not trying to take advantage of any kind of system. I 'm just desperately trying to better my life and my situation. Knowing what I know now, private loans were clearly not a good option for me at the time. It 's too late, though and I need help now..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Stearns Ventures, LLC
State: MN

Complaint narrative:
We want to state for the record we are a Business : XXXX filing the compliant on the consumers behalf ( our borrower ). We first started working with our borrower back in XXXX. It was an FHA loan that required a case number to be transferred to us as it was assigned to the property that was in the process of being purchased. that fell though due to financial difficulties. We were able to find a new property in XXXX for our client. This is the start of our complaint. After performing our query search we discovered that the case number that was attached to our borrower had been transferred to another Lender Stearns Lending. It then took 3 days to finally get in touch with someone who could assist with cancelling the case number ( it needed to be cancelled as our borrower was now interested in another property ) after another 3 days went by until were told by 2 parties from the lender that their records indicated the loan was closed. When looking up the information on our end we did notice that a closing date was entered for ( XX/XX/XXXX ) and MI was already collected for the old property our borrower was interested in-our borrower never closed on that property. We have documentation that proves cancellation of that property as well as the earnest money being returned It has now been over 2 weeks with no follow up from Stearns Lending. No documentation that our borrower closed on the property on their end. At this point there is closed a loan done by them using our borrowers SSN and date of birth on a property they never purchased. The lender is now " holding our borrower hostage '' as we can not proceed with our file nor will the borrower be able to close or purchase on any loan until the matter is addressed.

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