vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-07-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANCO POPULAR DE PUERTO RICO
State: PR

Complaint narrative:
I had a checking account with Doral Bank located at XXXX XXXX XXXX XXXX since XX/XX/XXXX. 
On Friday, XX/XX/XXXX, Doral Bank, XXXX XXXX, PR was closed by the Commissioner of Financial Institutions of XXXX XXXX, and the Federal Deposit Insurance Corporation ( FDIC ). 
My Doral Checking account was later assumed by Banco Popular de Puerto Rico ( BPPR ). " The acquiring institution '' Per their website, XXXX. The conversion of the BPPR and Doral was completed a few months later. 

According to the FDIC, it is assumed that the fact that the deposits are transferred to " the acquiring institution '' does not affect the day to day banking operations. However since the conversion made I have NO access to the funds nor make or generate any transaction at all. 

Apparently, " The acquiring institution '' had an incorrect address on their systems, unable able to send notifications, including a complete kit with the new account number, cards, and a " PIN '' required for the web registration. On my several attempts to the customer service center, I have explained that I 'm currently living in the U.S ; however, I retain a local address in PR. This is exactly the same address that I have been receiving mail from Popular Mortgage, a division of Banco Popular, PR. For an unknown reason the bank could n't match this address. 

It 's been four months since I started communicating to BPPR that I require access to my checking account to receive the proceeds of the rents of a property retained in PR as well as to pay the mortgage associated with this property financed with Popular Mortgage Inc. ( now 4 months past due, with all the funds sitting in the account ). I have provided the correct address several times and I believe that their systems are finally updated. However I still need to receive the information associated with the checking account. All of the customer service representatives that I have contacted insist that because I 'm not residing in PR I 'm not allowed to receive an account number or PIN to validate. In the meantime my mortgage continues to fall. 

I demand that " The acquiring bank '' ( 1 ) send me a complete kit of the new account assumed, as well as any cards and PIN or information needed to be able to register on their website to generate transactions. 2 ) make any adjustments required to any of the ( XXXX ) Credit Reporting Companies, that could be negatively affected by " The acquiring bank ''. 3 ), cease and desist any written or verbal communication from Popular Mortgage Inc. asking mortgage payments while the funds are clearly sitting on the account for over three months now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PLAZA HOME MORTGAGE, INC.
State: FL

Complaint narrative:
I submitted an appeal for a repayment Plan to my Mortgage servicer, Plaza Home Mortgage, the bank XXXX. The appeal was because we added income. We are now being told we do not qualify and we can not understand why. We were advised to submit all income in the home for my spouse and myself. We understood that all income would be considered. Originally, I applied with my income only and now we are adding my wife and we do not QUALIFY. How could that be???? 
1.The assumption is that I MAY HAVE NOT QUALIFY in the first place in XXXX 2014 and therefore I am thinking this was predatory lending Plaza Home Mortgage. Which they have been cited for in the past as well XXXX. 
2. Our PMI is at 1.72 % of the loan which does contain {$20000.00} of construction, it is a XXXX streamline loan, so the base loan is XXXX. If I am correct it should be on the base of XXXX and not the XXXX ( which includes the construction loan ). 
3. The rate for the PMI should have been between 1.30 % and 1.55 % for 2014 which is when the loam closed. We are at XXXX of the full loan. 
4. We are advised that a company called XXXX XXXX XXXX XXXX, would see us face to face because Plaza did not desire to foreclose on us but we never met with the company and after calling Plaza a few time I was never given a number for them, I was told I had to wait for them to come to me. We then received a letter that we were assigned to a law foreclosure group, that was notorious for robo signing of foreclosure mortgages in Florida. 
4. I was laughed at by Plaza Rep when I advised them we are working overtime and such because we wanted to save our home, " how long are you going to keep that up for '' ( if the conversation was recorded by the company feel free to look into it XXXX by XXXX XXXX. I guess XXXX people should give up and not own property because we lack work ethic is what I gathered from XXXX XXXX, which is why moving forward in XXXX with the additional appeals I felt we would be denied regardless of what we submitted, and here we are now5. The calculations on the property taxes for the 2014 year was suppose to be XXXX divided by XXXX equal XXXX but the XXXX reflects XXXX per month. The new taxes hopefully will be roughly XXXX which would lower our responsibility. 
6. This is a FHA loan, we re paying a premium to insure that the bank suffers no loss if we default. WE in turn get nothing, why would they keep returning our payments, not sending out the representative they promised to help us and kick us out. WE want our home and we are communicating. 
I have ask for a XXXX mortgage forensic audit on this account and will seek legal avenues if we are not accommodated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: CA

Complaint narrative:
This is a new complaint related to my original XXXX on XXXX/XXXX/15 - Case number : XXXX. Per the attached letter dated XXXX/XXXX/15, SLS claimed that they submitted a manual update to the credit bureau reporting agencies. My mortgage is still not showing on my credit reports ( specifically XXXX and XXXX ). I understand that it can XXXX days for the credit bureaus to update my credit report. It has now been almost XXXX days since they claimed they first reported it, and nearly XXXX months since my mortgage began with them. This is unethical and unacceptable, and is causing me unnecessary XXXX. I have talked to numerous professionals in the mortgage industry who said they have never heard of such actions, and that this borders on being both illegal and discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANCO POPULAR DE PUERTO RICO
State: CA

Complaint narrative:
XXXX Financial Abuse from Checking, Savings and CD, Manipulation of funds, disregard for Customer complaints policies and procedures. See attached

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 2016-06-13 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Fenton & McGarvey Law Firm, P.S.C.
State: CO

Complaint narrative:
On XXXX XXXX of 2016, I called Fenton and McGarvey Law Firm, hereafter known as " the company '', and asked for assistance in figuring the final payment amount for my account. The representative told me the payoff amount and provided me instructions for how to pay the account off online as I was not in a position to provide payment information at that moment. Before the contact on XXXX/XXXX/2016, I had a payment arrangement with the company that consisted of a monthly payment of {$64.00}. When speaking to the representative, she confirmed that my monthly payment arrangement would automatically cease when the account was closed out. However, on XXXX XXXX, 2016, a check was sent to my bank for cashing from the company in the amount of {$64.00}. I called the company on XXXX/XXXX/2016 and was told by the representative that I spoke that they were aware of the error but would not return payment until XXXX. When I asked to speak to the supervisor, the representative told me he was unavailable and that it was " my fault '' that payment was taken. She informed me that due to the fact that I paid it off online, they were not able to cancel the monthly arrangement. This was after being on hold and listening to their IVR inform me " For faster service, please pay online '' I told the representative that it was unacceptable for them to place blame on me and demanded to speak to a supervisor. After being place on hold, I was routed to a XXXX XXXX and placed on hold for 10 minutes. When he returned, he said they needed proof that the additional funds had been removed from my account ( after the previous rep confirmed that they knew there was a payment overage and would be resolving it ) I offered to send a copy of the electronic check and the line from my bank statement to resolve the matter before XXXX. It feels incredibly invasive to be asked to provide this information when they were able to confirm an over payment had been made. The company has violated the FDCPA by engaging in unfair collection practices by removing an amount more than what was owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: NY

Complaint narrative:
Specialized Loan Servicing was not able to provide a mortgage assignment to enable me to refinance within 2 months. Despite daily phone calls, when the company representatives promised to get a status update, the company never gave me an update. Eventually my rate lock was set to expire and I was forced to act without the assignment resulting in my having to pay the mortgage tax on the full amount of my refinance which cost me {$5000.00}. 
In addition I had set up automatic loan payments which they stopped taking without instruction from me or explanation.

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 2016-08-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC
State: MI

Complaint narrative:
Original HELOC with XXXX since XXXX, Filed Bankruptcy XX/XX/XXXX, XXXX " charged-off '' loan XXXX/XXXX/XXXX adding charge-off fees, added " unexplained interest ' ( $ XXXX ) held loan through the duration of the Bankruptcy applied all payments to principal - ( Internal decision, given charge-off, as per BK Specialist ). XXXX XXXX sold/transferred loan to SLS ( Specialized Loan Servicing ) who confirmed balance, XXXX % going forward, statements confirmed balance, XXXX %. Wrote XXXX/SLS ( certified return receipt from both ) XXXX, XXXX, regarding explanation of unexplained fees, interest, etc., XXXX has not responded, received call from BK Specialist saying they no longer held the loan, could not/would not answer any questions, reconfirming balance and 0 % " going forward ''. SLS acknowledged our written concerns and would contact within 30 days ... never did. As of XXXX, XXXX SLS has reversed Trustee payments ( $ XXXX+ ) to interest, showing " past due '' as of XX/XX/XXXX with $ XXXX+ due immediately. Not one agent is able to explain why, evading, will look into it, will escalate etc., We not only do not have answers to our initial concerns, we now have unexplained ( $ XXXX+ ) past due amount that SLS agents can not explain. 
Numerous calls have all been futile, have filed complaint with Dept. Insurance and Financial Services, 1st request went unanswered, 2nd answered, can not comment on past servicers ' transactions. States account is past due XXXX XXXX, cites Trustee as to how payments were applied. 
Have spoken to BK Attorney - Loan should not have been Charged-off, fees, interest, etc,, with an active BK - could be re-opened by Judge. 
Spoke to Trustee, Trustee pays the claims submitted, does not designate how a claim is paid. 
SLS will not answer our concerns, on countless repeated demands, phone calls, complaints. Has frivolously reversed Trustee payments applied to principal as stated on previous statements, now appear as interest, on statements, cites past due as of XX/XX/XXXX, we were in an active CHXXXX Bankruptcy, ( XX/XX/XXXX-XX/XX/XXXX ) which they acknowledge. 
Complaints are not adequately answered, as per Dept. Insurance and Financial Services

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
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northstar Location Services, LLC
State: FL

Complaint narrative:
I have no idea what this debt is please provide original documents showing the validity of this debt

Company response to consumer: Closed
Consumer complaint received 2015-07-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Halsted Financial Services, LLC.
State: TX

Complaint narrative:
I keep getting daily calls from local XXXX number ( Halsted Financial Services debt collection ) ... ( XXXX ) XXXX ; a recorded message. When I call the number back one minute later there is no answer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Monterey Financial Services LLC
State: WA

Complaint narrative:
A collection was added to my credit report that i do not owe, i have had no dealings with the company that the collection company says i owe money too

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I requested a Home Equity Line of Credit on our fully-owned ( no liens ) residential property assessed at {$310000.00} ( by the Loan issuer ). After fully completing the application process, including assessment of the property, and providing all requested documentation, the lender ( PNC Bank ) stated ( via telephone contact on XXXX/XXXX/2016 ) that they would issue me a {$75000.00} line-of-credit ( at approx.3 % rate ) but ONLY if they could assume our only other debt -- a ( {$7000.00} balance ) car loan with a competing bank ( XXXX. ) -- which was financed at a 0.9 % rate. They claimed this was required due to " debt-to-income ratio ''. Question : how does paying this lender MORE for an outstanding car loan at a HIGHER interest rate " improve '' our overall debt-to-income ratio? ( In essence, it really sounds like this lender is simply trying to pressure me into moving other debt to their bank, and pay a higher interest rate. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
Continued posting to my credit report unde Pinnacle stating I had this debt in XX/XX/XXXX then re aged debt to XX/XX/XXXX, XXXX stated it was fraudulent and then sent letter stating nothing of what they said they would do Both companies XXXX and Pinnacle are ruining my credit. It is the only negative item in my report this is costing me XXXX in trying to buy a home please see below. I need a delete letter from pinnacle Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC
State: TX

Complaint narrative:
I have submitted Request for Verification of this debt via Certified Mail Return Receipt, which was signed by XXXX XXXX on XXXX/XXXX/2016, I have not received any correspondence from as of this date, I do not recognize this debt and am trying to fix errors on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-13 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: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I was incarcerated between XXXX XXXX, XXXX, and XXXX XXXX, XXXX. I had opened an account with XXXX a couple of months before I was initially incarcerated, and was caught up on my bills. My aunt had called to have the service disconnected. Now I have a {$450.00} collection on both XXXX and XXXX from Pinnacle Credit Service, who bought the debt from XXXX. The most I should owe is an early termination fee, less than half of what they 're charging me, Pinnacle Credit Service refused to send me any proof that I owe the bills, and said I would need to hire an attorney, and they would send it to my attorney. I disputed it through XXXX, and it was denied, I sent Pinnacle Credit Service proof of my incarceration dates, and have made several phone calls to Pinnacle Credit Service and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Pinnacle Credit Services, LLC
State: NJ

Complaint narrative:
XXXX XXXX continue to charge enormous charges on an old account that I had with them in 2010. I am also apart of a class-action law suit against them for overcharging consumers. the company has XXXX different account on my credit report that is affecting my credit and damaging my credibility. Every time I check my credit report there are increasing charges add to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-09 00:00:00
Product: Prepaid card — Government benefit payment card
Issue: Fraud or scam — 
Company: Comerica
State: CA

Complaint narrative:
On XXXX XXXX, 2016 my debit card was used in another state repeatedly the transaction came out to {$740.00}. This is a debit card from Social Security income which says my money would be safe and secured. On XXXX XXXX, 2016 is when I realized all my funds were gone immediately i called customer service. I asked why was n't the card disactivated when transaction were being made so far repeatedly. I was sent investagation forms which took them a week to get to me. I still have n't received any kind of information nor any refund they told me maybe I get my money back on the card itself it says it is insured.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: FL

Complaint narrative:
They 're saying I had gotten a phone with XXXX I got a bill for XXXX dollars back in 2013 but not thinking I never gave it attention and now they got me on a XXXX dollar bill that I never gotten or was told about just ended finding out about it on my credit report and I need to resolve this. .please 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 2016-07-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Pinnacle Credit Services, LLC
State: UT

Complaint narrative:
I had purchased XXXX phones through XXXX XXXX that I returned to the XXXX I bought them from 3 days later. They state if returned with in 14 days I would not be responsible. They have continued for 6 years trying to get me to pay for phone service I never used. Now their debt collector is still pursing even after send in them proof from XXXX assoc. The debt is invalid they are still trying to collect. Even when I was promised in XXXX XXXX the most. I would need to wait would be 60days. I am upset that my credit report dated XXXX XXXX XXXX shows they are still seeking payment et. Please help me

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-09 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: Pinnacle Credit Services, LLC
State: CA

Complaint narrative:
I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: TFC Group, LLC
State: CA

Complaint narrative:
TFC Title Loan promised a submission of notice to the credit agnecys for completing my loan, XX/XX/2015. That never happened. 
I have the letter and payment schedule.

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: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: Comerica
State: TX

Complaint narrative:
This is the second time my card with comerca bank with direct express. Had had money taken out with out my knowledge the last time I was told that I would not have to wait the 45 days for investigation. I would have my funds go back in pending investigation. XXXX XXXX took. When I called they told me that the account does not belong to me. Then I get a email that they can not refund me because the people who used my account got right home address. Someone needs to get my XXXX payments back in to my card be for I end up homeless with XXXX kids. Please help

Company response to consumer: Closed with monetary relief