vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-16 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XX/XX/2016  at XXXX I entered my local PNC branch located at XXXX XXXX Florida XXXX.  I was there to make 3 separate transactions.  The first transaction was to deposit checks in the amount of XXXX into my business account.  The second transaction was to cash a check in the amount of XXXX  The third transaction was to exchange XXXX in small denominations for XXXX in XXXX.  The teller took the checks, and cash behind the window.  As I waited for my transactions the branch manager and I talked for a few minutes.  I saw the money machine dispense cash and the teller walked over and grabbed it, then walked over to me.  She gave me my deposit receipt that I have attached here, and she counted out XXXX XXXX bills in the amount of XXXX. She asked if I wanted a envelope and I said yes.  She gave me the envelope.   I walked out of the bank never receiving my last transaction which was XXXX in XXXX bills.  I went about my busy day and went home.  I counted my money when I got home and realized I was XXXX short.  It suddenly came to me that the teller never completed my third transaction, and I was never handed the XXXX.  By then it was too late to call the bank.  I waited until the next day, XX/XX/2016, and as soon as the bank opened I walked in and asked to speak to a manager. No one was available.  I explained to the employee what took place.  I was told I would be contacted.  I was contacted later that day by the branch manager and was told I would be contacted Monday, XXXX.  I was never called. I called the bank at XXXX and was told that the branch will have a security man look at the video the following day which was XXXX.  I received a call from the bank on XXXX.  I was told that the tellers till was accurate and that no action will be taken regarding my missing money.  I drove to the bank to speak to the manager.  She has a brief meeting with another teller before I was asked to enter the office.  I was told that no action would be taken on my behalf.  I asked about the video and the manager and her assistant told me that the video showed the teller counting out XXXX XXXX bills.  I asked to see the video, and I asked for some documentation stating that a professional reviewed the video and that I was handed XXXX.  I was told that they could not help me.  I contacted PNC cooperate office and was told that I have to wait several business days prior to any information pertaining to this matter.  I was never given the XXXX that the teller took behind the counter to exchange for larger bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My account was closed by PNC Bank .... My account experienced fraudlent activity.I told PNC .I was n't paying it ... So I am now in collections ... Through a third party collections agency.I am disputing the charge again.I am requesting PNC take back the debt and service the account an XXXX balance.Since it was fraudlent activity done on the account.They seem to have an I do n't care attitude.I am a XXXX who understand they are in violation of the Fair Debt Collection Act of XX/XX/XXXX and The Fair Debt Reporting Act of XX/XX/XXXX.If this serious matter is n't resolve with 30 days.I will file a XXXX Dollar Federal Class Action Lawsuit in US District Court.I will also subpoena every phone call recorded and every note on my account.I will not tolerate being on XXXX and reported to the XXXX credit bureaus ... My account should never have been charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
As stated before in several complaints against BMW Financial Services and again here, payments on my loan do not reflect a total of XXXX down as negotiated with selling dealer, BMW of XXXX XXXX. The sales manager, XXXX, was attempting to extort XXXX out of me as a total of XXXX was supposed to be put down. However, only XXXX was put down and XXXX wanted me to give him XXXX in cash for his pocket. His exact words were, " You 're putting down XXXX but it will only show XXXX ''. Complaints against dealer have been made with XXXX ( XXXX ), Attorney General of Connecticut, Consumer Affairs in Connecticut, all unresolved. An extension would have remedied the matter, however, BMW Financial Services will not make an exception and denied all requests. Ive attempted to reach a XXXX XXXX, left several voice messages, in regard to this. He does not return calls. It appears BMW Financial Services will not budge in any direction in regard to this matter. Please consider this matter unresolved and advise them this will not go away, they will need to do something about this or they WILL continue to receive complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
A recorded call, received XX/XX/XXXX while at work, intimidating and threatening action if not re-contacted by a certain date ( XX/XX/XXXX )

Company response to consumer: Closed
Consumer complaint received 2017-01-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have been back and fourth with this company now for almost a year about removing his fraudulent account from my credit. I asked them to VERIFY this account with proof of my signature SEVERAL times and this final time I was asked by Bridgecrest for me to mail in copies of my license, social security card, and a Notarized Theft Affidavit which I did only to receive a letter a week letter requesting the SAME EXACT information ... I called Bridgecrest on today XX/XX/2017 and spoke to a rep that said that XXXX ( another rep ) at this company " verified '' my signatures matched on everything. This is the SAME information have been requesting for almost a year in writing which I KNOW is COMPLETE XXXX. Because this is a fraudulent account. I have done my part as far as disputes, Theft Affidavit 's, and reporting to CFPB. Bridgecrest can wash their hands with getting paid for this XXXX. account because it will NEVER happen. You should investigate better when something is being brought to your attention as well as hire people at your locations to do better jobs at verifying peoples identity " WE ALL DO N'T LOOK ALIKE ''.

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 2016-12-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My EX took funds without my knowledge and concealed it via mail fraud, the amount is in excess of XXXX. 
PNC Bank is aware and has done nothing to hold XXXX XXXX accountable for such electronic criminal identity theft of me and economic harm.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
Lender refuses to postpone foreclosure to complete loan modification review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On or about XXXX XXXX of this year, I spoke with a " Service Representative '' at the 'Main Office ' at PNC Bank in XXXX , Pa . I had called because I saw a pending payment to XXXX XXXX XXXX Co . I requested a 'stop payment ' because no application should have been submitted to them. I was told that I would need to file a 'dispute. ' I asked if she would do it? She replied that she would. I, also, requested a stop payment on any request coming from " XXXX XXXX '' and, and, again she said yes. 
However, both requests were ignored and PNC paid both and, immediately, begin charging me overdraft fees which totaled over {$100.00} for the month of XXXX 2016. 
On XXXX XXXX, 2016, I asked the 'Representative to transferred {$900.00} from savings to checking to cover overdrafts and 'accounts payable. ' To my surprise, when I checked my balance that afternoon on the same day, my 'personal checking ' showed a negative balance of {$840.00}. The teller at the " XXXX XXXX '' located at XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MD. corrected the and I had a balance of {$58.00}. But, on XXXX/XXXX/16, I, again, checked my balance and had a negative amount of {$110.00}. 
I want PNC Bank to return to me all the monies owed me for overdrafts and fees which should not have been charged My name is XXXX XXXX XXXX. I live at XXXX XXXX XXXX , XXXX XXXX XXXX, XXXX , MD. XXXX. Home Phone is XXXX. My cell is XXXX My 'personal account number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I became behind on my mortgage payments due to several reasons. PNC Mortgage kept sending payments back due to lack of full payment for all that were due. I contact a law firm and they stated they would help. I paid them {$1300.00}. Once that was done they collected pertinent documentation needed by PNC. After the Law Firm spoke to PNC they stated they would be willing to do a Mortgage Modification with a payment Trial period. The law firm then stated they will withdraw from the communication and let me deal with the bank. The bank agreed to let me make trial payments but all the while asking for continuous and duplication of paperwork that was already given. In the meantime the law firm had closed their file and sent it to PNC. I made the first trial payment for XXXX/XXXX/16, by walking it into their branch on XXXX/XXXX/16, which is attached. After following up with the Loss Mitigation department, they stated that my agreement was null and void because they had received financial information from the Law Firm. No where in the agreement does it state that this would happen. All the while foreclosure processing was going forward but the agreement stated if I made the payments ... ... No Foreclsoure Action would happen ... ..I received notification that the Lis Pendens was filed on XXXX/XXXX/16 and papers were served to us on XXXX/XXXX/16. In the meantime our payment that was made for the XXXX XXXX, 2016 payment was refunded via mail. I called PNC Loss Mitigation and they said the previous agreement was null and void and they would have to start a new process to see if we qualify for a modification. After several months of sending information and confusing instructions by several individuals I am writing to you. Please help me save my home! This ca n't be the way Banks can conduct business! Consumers are held to a higher level than banks? All I want to do is pay them what I owe them and continue on. I filed a 45 day extension and now I get served that I have to go to court. Will the court side with the banks? I talked to another attorney and they said a term called " Dual Tracking '', I looked it up and showed that this is way for the banks to prolong the process while the attorney puts your home in Foreclosre.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: TX

Complaint narrative:
BACK IN XX/XX/XXXX I WENT TO XXXX XXXX AND WAS TOLD TO APPLY FOR XXXX TO COVER THE ER BILL I HAD A XXXX, I DID AND WHEN I GOT THE BILL I CALLED GAVE THEM THE XXXX NUMBER TO TAKE CARE OF THE BILL AND NEVER HEARD ANOTHER WORD THEN XXXX XXXX XXXX XXXX PA REPORTED TO THE CREDIT AGENCIES I DISPUTED IT AND IT CAME OFF AS WELL I CALLED AND THEY SAID THERE WAS AN ERROR THAT THEY DIDNT HAVE THE DEBT. THEY CLEARED THE COLLECTIONS OFF OF MY CREDIT, THEN ON XX/XX/XXXX AND AGAIN ON XX/XX/XXXX THE LAW OFFICES OF MITCHELL D STARTED REPORTING IT. I CALLED THEM AND EXPLAINED TO THEM EVERYTHING AND THEY SAID THERE WAS NOTHING THEY COULD DO AND HAD NO INFORMATION ON THE EVENT EXCEPT THAT I OWED XXXX. AND REFUSED TO LET ME TALK TO SOMEONE THAT COULD HELP REFFERRED ME TO THE PATIENT ADVOCATE DEPT WHICH I HAVE CALLED EVERYDAY SINCE I SPOKE TO THEM AND YET TO HAVE SOMEONE ANSWER THE NUMBER THEY PROVIDED.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-09 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Merchants Credit Corporation
State: WA

Complaint narrative:
I have receive repeated calls from Merchants Credit ( XXXX XXXX XXXX XXXX, XXXX, WA XXXX // ( XXXX ) XXXX ) most recently a XXXX XXXX stating that I owe money for an unpaid medical bill. After being repeatedly asked to provide personal identification information which I declined to provide because I felt that providing this information presented an identity security risk, I provided my current address several times and I have yet to receive a copy of the unpaid bill and Merchants Credit has falsely reported this information to the credit bureaus negatively damaging my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-14 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Eastern Account Systems of Connecticut, Inc.
State: NY

Complaint narrative:
I have been receiving a phone call that leaves a voicemail that is as follows : XXXX Voicemail We have an important message from Eastern account system. This is a call from a debt collector. Please call XXXX. 

Upon calling this number, it went straight to voicemail. The last two times I picked up when this number called, I asked the caller to identify why they were calling and what the call was in regards to. The first time prompted the caller to hang up as they would refuse to talk until I verified who I was. The second time the caller exhibited the same behavior and I asked that they again identify what the call was about and again they refused. 

Today I received a letter from the same company ( Eastern Account System ), and they claim there is a service balance due on my cable bill. Upon talking to the cable company they believe that I am a victim of fraud and recommended contacting a credit monitoring service. My credit monitoring service directed me to file a complaint, and if the caller persists file a police report.

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: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: NJ

Complaint narrative:
A company named Cavalry SPV I , LLC claiming that they were acting as an assignee of XXXX to collect a debt that I do not owe. I never received anything from XXXX and did not and do not have a XXXX credit card. Cavalry SPV I, which is just one of many shell companies created by another company, more widely known as Cavalry Portfolio Services, LLC, never contacted me or even tried to notify me of anything. The first thing that I received was an actual complaint, filed with the courts, which took away my chance to Validate the Debt. They are using an attorney by the name of XXXX, he is actually using the name of a law firm that is not even registered to do business in New Jersey. He is using the name XXXX., which was formerly known as XXXX ;, that name is registered in New Jersey but I can not find out the status of that name, whether it is active, inactive or if they were simply shut down? They are seeking a relatively small amount, in my opinion they are trying to collect an amount that is less than what an attorney to fight it would cost, in the hopes I will settle. They have not followed state or federal law at any single point in this process and, after doing some research, I am now in the process of a legal battle over a debt that is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ONLINE Information Services, Inc.
State: SC

Complaint narrative:
Never received anything from the debt collector. The right to dispute, who they were, amount owed, or nothing at all from them. We got the first phone from them end of last week and tried to call back that day but was already closed. Got another call Monday and called back and spoke to them. Found out that the info is wrong on the account. My fathers SSN is on the account and he is not connected to any of my stuff. I called the place that originally had the account to confirm that they have the right info and they do n't even have my SSN on my account so was not sent to creditor like that as they claim. And because I was never notified of they creditor or anything from them I have not made a payment bc I did n't even know they had the account until I just got a phone call. And so this whole time they have been reporting it to my dads credit which has hit his credit big time and he had excellent credit. They should t of reported anything bc I was never even notified for one and for 2 his XXXX should not be on the account, mine should be. We have tried to get them to remove his social and at first was told it ca n't be and then I talked to XXXX the supervisor who was very rude and said he can and it will take XXXX hours and they will report it to min but should n't be reported period bc I was n't ever notified of the debt or given a chance to dispute it. They received the account back in like XXXX XXXX and it 's XXXX XXXX now and this is the first I have heard of them ever. XXXX said " he will do what he wants when he wants and there is nothing I can do about it ''. I do n't appreciate the unprofessional communication especially from the supervisor. And they are not willing to correct the issue and work with us. So we are asking for your help to get this resolved. I have been paying on the account but bc it was n't paid off in 120 days it got sent to them but was never notified by them of it and who they are.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-17 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: CNG FINANCIAL CORPORATION
State: NY

Complaint narrative:
XXXX of XXXX called & threatened my niece, XXXX, a college student. A woman claiming to be XXXX left a message concerning a loan my niece had taken under misrepresentation from Check & Go. She said if my niece did not pay back the loan, with its accelerating interest fees, " I WILL be stopping by your residence or place of employment to issue you a certified notice of intent regarding legal action on this claim. '' This is fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 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: U.S. Collections West, Inc.
State: AZ

Complaint narrative:
I leased with XXXX on XXXX/XXXX/XXXX through XXXX/XXXX/XXXX and provided them a 60 day notice to vacate due to inhabitable conditions. The XXXX XXXX forwarded a balance to US Collections West ( an Agency ) and US Collections West did not forward any letters or make an attempt to contact me regarding this debt. I was not given my opportunity to dispute nor was I aware of any balance owed. I noticed on the court documents that they had an address that I am not familiar with or have ever lived nor do I know of anyone living there. My mail was forwarded from my old residence to my new and I provided the management company with the new residence. I have also made multiple attempts to contact their attorney through my attorney and they have terminated the calls, very unprofessional! Many of the charges are not valid therefor a portion would have been disputed. I noticed that US Collections West has many violations regarding this issue and many others and their tactics are illegal and immoral. Please help me, I am stressed and sick to my stomach regarding their tactics and business practices. I am employed at the same place since my rental application and not hard to find at all by anyone. They have also placed this information on my credit report without giving me the opportunity to dispute the original creditor balance which violates my rights as a consumer to fair treatment. Please help resolve this issue. Their attorney is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Az XXXX XXXX and US Collections West is XXXX XXXX XXXX XXXX, Az XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28 00:00:00
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: ONLINE Information Services, Inc.
State: AZ

Complaint narrative:
While monitoring my credit, this collection account showed up on my credit report. Immediately wrote them a letter requesting validation, bearing my signature, on XX/XX/XXXX and sent it out, certified, return receipt mail, which they signed for on XX/XX/XXXX. 30 days from the date they signed for this letter would be XX/XX/XXXX. There should have been a statement of dispute added to my credit report by the close of business on this day to comply with credit reporting laws. They wrote me a letter back on XX/XX/XXXX and indicated that their client confirmed the name, address and amount owed and sent a print up of a bill. This is not validation of anything. This is not the information I requested. I requested validation, bearing my signature, as the only person who can validate my signature is me. I wrote them a letter again on XX/XX/XXXX again telling them this is not validation and making a second request for the information I am legally permitted to request and receive. They responded on XX/XX/XXXX and basically said, we already sent this once, and we will do it again this time, but we do n't have to keep doing this, in so many words. They still did not send me validation. I then wrote them a final notice letter on XX/XX/XXXX, stating I felt they are acting in bad faith and that they have failed to comply with the laws and unless they took appropriate action, I would be forced to elevate that situation. They have completely ignored me since. I have attached copies of all documentation listed in this complaint as well as a copy of my credit report to show that as XX/XX/XXXX, my credit report still does not show the disputed statement.

Company response to consumer: Closed with explanation