vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-31 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC Mortgage Loss Mitigation wo n't give me any information regarding countless declined Short sale offers. They hold on to offers then decline and not counteroffer stating it 's too close to sale date. We have submitted latest offer at PNC 's BPO 's value and no one will look at it nor help with getting sale date extended. We have been trying to work with the servicer for past 6 months and get no information except declined. Our sale date is Monday XX/XX/XXXX and really need help getting to a decision maker. Supervisor over loss mitigation wo n't return phone calls. This foreclosure litigation has been on going for almost 5 years because PNC could not prove standing. It has been a nightmare and never once have they reached out to help mitigate the foreclosure. PNC is subservicer, XXXX f/k/a XXXX mortgage is Master Servicer Investor is XXXX TRUSTEE for XXXX XX/XX/2007 pass through certificate Trust put together by XXXX. The Investor name had to be changed as plaintiff on Foreclosure because PNC could n't prove Standing. But as servicer they are the only one we can submit loss mitigation options to because trustee does n't make those decisions. But it seems like if Servicer did n't have standing to foreclose them they do n't have standing to approve a short sale. Resulting in us the homeowners in a BLACK hole. Please help get Sale extended and help us forego a foreclosure by completing a short sale. Our buyers are qualified and approved for XXXX waiting on PNC approval. PNC 's BPO As is Price is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Global Recovery Group
State: VT

Complaint narrative:
Has contacted myself and has left threatening messages. Has also contacted family members and have left the same threatening messages with them.

Company response to consumer: Untimely response
Consumer complaint received 2017-03-16 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection at Law, Inc. A.P.C.
State: CA

Complaint narrative:
I wanted to open a checking account with XXXX, but it was denied. the XXXX bank gave me a letter stating that i had to contact the Bureaus. that is when i decided to check my credit and it had dropped from being at XXXX XXXX, XXXX XXXX, XXXX XXXX to the XXXX 's I called the Bureaus in regards to my credit report being a Victim of Identiy theft, they requested a Police Report, Which i did fax over. Asking them to fix my credit report and restore my Scores back .. i have not being helped. this issue is keeping me from having a Normal life. I Need Help Please. Thank You ..

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
My bank continues to submit payment after my account has no funds.Which than occures nsf fee charged to my account. I have attached documentation to support my claim.If you look at the simple mobile one was submitted on XX/XX/XXXX when funds were there.B ut bank did not pay until the XX/XX/XXXX when funds are not there.As I said this is continues practice of theirs. I am on a fixed income please help XX/XX/XXXX XXXX XXXX FL XX/XX/XXXX Debit card transaction ( ... XXXX ) - {$48.00} {$34.00} XXXX XXXX FL XX/XX/XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: United Shore Financial Services, LLC
State: CO

Complaint narrative:
I utilize the XXXX bill payment service to pay my mortgage with United Wholesale Mortgage. I schedule my payment to be made on the XX/XX/XXXX of the month. Payments are considered late if not received by the XX/XX/XXXX of the month per UWM. UWM keeps charging me a late fee for payments received after the XX/XX/XXXX. I question whether they are using the date they receive the check to credit my account. I suspect they use the date they process the check as the payment date. This breaks Reg Z requirements. I have asked for proof of when they actually received my check and they only send me a printout when the check was processed to the account. When I worked at a mutual fund company, all checks had to be time stamped when they were received so they were processed on the correct day. All in all this causes me a {$95.00} late fee each time it happens. Furthermore, XXXX debits my account on the XX/XX/XXXX when the payment is not credited until the XX/XX/XXXX by UWM. There are 5 days of float that my funds are held hostage??? Sure I can send payment earlier, but I ca n't understand how this is a fair business practice. I am looking for UWM to be held accountable. If then can prove the checks are being received after the due date, then I just have an issue with XXXX debiting funds earlier than the check clears. If they are unable to prove when the checks are being received, then I question all of my late fees and how UWM conducts business. Checks are sent to a PO box , so when the mail is delivered to the PO box , the check is received! Thanks, XXXX P.S. No sympathy from UWM or XXXX. Just the way the process works. I am calling them out.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-30 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IL

Complaint narrative:
I 've been having a very hard time with Navient. I filed XXXX complaints against them. I believe they feel nothing will be done so they continue to treat the consumers like garbage. I 've been trying my best to get things with them resolved with the loans I co-signed on. First of all, I 'm trying to figure out how they loan jumped from one cost to another. I understand late fees and all but to go from XXXX in loans to over XXXX ... Yeah I think something is wrong with that. Not to mention I have requested numerous time to get a copy of the promissory note for the loans. Also, they received the correct mailing address and phone number for the loan owner ... ..they never updated the information. Lastly, the people we have been speaking to, give us partial information ( if not down right false ), they are rude and in my case, they did not answer my questions on my own loans I have with them because of issues with the co-signed loans. I feel like something really needs to be done.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-31 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC
State: MD

Complaint narrative:
I have no idea what the debt is they are trying to collect. I have attempted to contact the collection agency, and the original creditor and have received no response from either. I have requested it be removed from my credit report and am just being ignored on all angles.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-04-04 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
I was shocked when I reviewed my credit report and found several late payments on my student loans with the dates below : XXXX : 90 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, 90 days XXXX, 120 days XXXX XXXX : 60 days past due XXXX, 90 days XXXX, 120 days XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that this was supposed to be in deferment and it did not get processed correctly or the payments I sent in were not registered.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Association Capital Resources, LLC
State: FL

Complaint narrative:
XXXX has continued to contact me illegally even though I have repeatedly asked that they not do so. They have also continued to send correspondence by mail. Today on a call they threatened to place a lien on my property and lobby the XXXX to attempt to foreclose. My original XXXX assessment was {$290.00} in XXXX. As of XXXX/XXXX/2016, XXXX Resources have added so many charges that my current bill is {$900.00}. It is absolutely unfathomable that a company can add over {$600.00} in collection cost in 6 months. The XXXX was not considered delinquent until XXXX. The American citizen is being fleeced by organizations such as this.

Company response to consumer: Untimely response
Consumer complaint received 2017-02-10 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Rent Recover, LLC
State: CA

Complaint narrative:
Various people calling my work and home number never stop. Rude threatening to call various departments and family member.

Company response to consumer: Untimely response
Consumer complaint received 2017-04-04 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: FL

Complaint narrative:
I am writing to exercise my right to request verifiable proof of the negative events you have listed within my credit file. The 15 U.S. Code 1681g - Disclosures to consumers requires CRA 's to disclose the sources of information regarding the negative events that are being reported by your agency upon request by the consumer. THIS IS NOT A DISPUTE. 

1. Bankruptcy XXXX 2. XXXX XXXX 3. Inquiries XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Department And Mail Order XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record XXXX XXXX/XXXX/XXXX Medical And Health XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Finance XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Oil And National Credit Cards XXXX XXXX/XXXX/XXXX Miscellaneous And Public Record I expect that you will provide verifiable proof as required under the 15 U.S. Code 1681g - Disclosures to consumers within 30 days. If you are unable to provide such proof within that timeframe, I expect these negative events to be removed.! Please communicate your intentions in writing.!

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 non-monetary relief
Consumer complaint received 2016-10-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Pacific Home Loans, Inc
State: AZ

Complaint narrative:
During a VA streamline refinance with Pacific Home Loans, we were told not to make our mortgage payment and I was told to date a document one day before without knowing why. I complained to a manager and manager said it is common practice to tell customers not to make a payment once loan is final approved and going to docs. I was told not to make a payment a month before we received a final approval. We almost missed our payment and would have caused us a 30 day late. Our final loan disclosure did not match the loan disclosure we received at closing and did not see a principal reduction or a check for the amount of XXXX. We were told for over a month that we were in docs but never received a call from a processor until a month and a half later. We were lied to consistently.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-09 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc.
State: MD

Complaint narrative:
Experian is not reporting my XXXX XXXX Visa ending in XXXX and my XXXX XXXX Master Card ending in XXXX.

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 2017-03-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: CITIBANK, N.A.
State: OR

Complaint narrative:
On XX/XX/XXXX, I filed a claim to utilize the extended warranty benefit on my Citi Double Cash card. The claim was for an 4K HDTV that was not functioning in 4K. I submitted all of the required paperwork on XX/XX/XXXX and was told that a third party company would be used to verify the issue and determine a salvage value. I was not contacted by the third party service until XX/XX/XXXX ( 28 days after initial contact ) and asked for a few basic questions about the situation. After another 47 days ( on XX/XX/XXXX ), I contacted the Citi Benefits team and was told the third party company had submitted their report on the situation, even without coming out to verify the problem or seeking additional information from me. Today ( XX/XX/XXXX ), I received the notification that was my claim was denied, which is 96 days after my claim was initially filed. The reason given for denial cited that the " ( TV ) unit does not have the same compatibility rate '' as the 4K device. This is technically incorrect - the TV has twice the required rate for the 4K device, so there should be no compatibility issues due to that. I called Citi Benefits customer service to make them aware of this error and was informed that it was my responsibility to seek another vendor to verify the issue. After being told this, I asked to speak to the manager ( XXXX ) and was informed that he would request that the same third party service come and physically verify the issue. I have no confidence that there will be any resolution or follow up based on my previous experience with this group. 

Based on time duration, constant errors, and technical incompetence through this process, I believe Citi is intentionally trying to avoid honoring their extended warranty benefit. I also have no confidence that the customer service team supporting the Benefits department is advocating for the customer or trying to seek fair resolution on these issues in a timely fashion.

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 2017-03-22 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC
State: NC

Complaint narrative:
I took out a {$400.00} loan with XXXX d/b/a XXXX ( or now XXXX ) XXXX, XXXX, MI XXXX and am being charged 866.8124 % in interested. I did not know that the interest rate would be so high or I would not have taken the loan out. I did some checking and found that your organization could help me with this. Please let me know if there is anything else you need for my complaint. They have deducted 4 payments of {$140.00} each every 2 weeks for a total of {$560.00} via ACH from my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-02 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: TCF NATIONAL BANK
State: AZ

Complaint narrative:
I am a retired XXXX employee, and I get my check on the XXXX of each Except if the XXXX falls on a weekend, then I get paid on the following Monday. I have XXXX friends who have accounts at XXXX XXXX and XXXX who get their checks on the XXXX regardless of the date. I bank at TCF. My bank then assess Over draft fees to my account, as I have automatic payments that come out on the XXXX I would like to know why this happens.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-29 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: FIRST MIDWEST BANCORP, INC.
State: IL

Complaint narrative:
I checked my bank account on theit app, and found a {$9.00} direct atm fee. I have never received a fee for using an atm before besides the surcharge incurred at the terminal. I called and spoke with XXXX, who claims I was given paperwork at the opening of my account that states if an atm is not in network, I will receive a {$3.00} fee per usage. I do not recall seeing this, nor have I been charged previously for any atm usage.

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 monetary relief
Consumer complaint received 2017-04-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY
State: NY

Complaint narrative:
About a month ago, My wife and I submitted an offer for a XXXX-family home in XXXX, NY and was accepted by the seller. We contacted Wells Fargo for mortgage rate since they suggested that we could be qualified for their jumbo loan. Their jumbo rate offers competitive rate than other banks. Wells Fargo asked us for our personal information and run our credit for mortgage application pre-approval. Our application did n't run as smooth as we would expect, but the loan officer told us that we were not qualified for Jumbo rate. My wife and I decided to go back to XXXX, our primary bank, for a better rate. XXXX loaner office informed me that Wells Fargo had run XXXX credit check on me ( WITHIN A MONTH ) and it affects my credit score significantly. My middle credit score has dropped from XXXX to XXXX, which brought up the interest rate from 4.375 % to 4.625 %.

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 2017-04-06 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY
State: OH

Complaint narrative:
Wells Fargo started reporting on my credit for a mortgage that was included in a bankruptcy case in XX/XX/XXXX ; this loan has not reported on my credit for the last 7 years. I did not reaffirm the loan at any time. In my XX/XX/XXXX divorce the property and loan was awarded to my ex-wife.

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 non-monetary relief
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Data Check of America LLC
State: AL

Complaint narrative:
They have identified themselves as DataCheck on occasion.They call constantly ( upwards of 4-5 calls per day ) stating that they are going to garnish my wages within 24 hours. They claim this is for a returned check dated XXXX 1998. I have repeatedly asked that they stop calling and informed them that it is past the statute of limitations. At that point, the agent gets rude and some have started yelling at me and talking over me, and stating that there is no statute of limitations. They have provided several reasons why the statute of limitations does not apply. The last agent that called today stated that I was stupid for advising about the statute of limitations. I have blocked more than 10 different numbers from this caller.

Company response to consumer: Untimely response
Consumer complaint received 2016-01-26 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Network Services, Inc
State: MS

Complaint narrative:
Submitted a complaint with multiple concerns to XXXX XXXX. Ethical concerns were not addressed. Repeated requests to XXXX were forwarded to the company without response. XXXX suggested filing the complaint with CFPB

Company response to consumer: Untimely response
Consumer complaint received 2017-04-10 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: BARCLAYS BANK DELAWARE
State: FL

Complaint narrative:
Please find attached a letters of dispute to XXXX that I also submitted to XXXX and XXXX about an account that I disputed under the Debt Verification Rule to produce the original documentation, fees or any sale or transfer of debt to Barclay 's Bank Delaware, a negative debt owed of {$2800.00}. Date opened XX/XX/XXXX. XXXX, XXXX and XXXX stated that Barclay 's Bank Delaware produced proof of documentation in which I did n't receive and refused to remove this account. Even worse, because I did dispute the account, they have now updated my negative reporting to reflect a new starting date of XX/XX/XXXX when in 2 years nothing was being reported by these XXXX reporting agencies or Barclay 's Bank Delaware.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: AMERICAN EXPRESS COMPANY
State: VA

Complaint narrative:
Amex debit {$52.00} dollars on my account on XX/XX/XXXX for the XXXX. But the XXXX contacted me that they never got the money so I Called amex and they keep running me around with total nonsense. 
I did everything in myside and they deliberately try to defraud me by not either paying XXXX or refund back my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: ENCORE CAPITAL GROUP INC.
State: TX

Complaint narrative:
This debt is OLD. Resulting from no payment since XX/XX/2009 with XXXX more than 7 years old. 
Should drop off by now.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: Columbia Collectors Inc
State: WA

Complaint narrative:
I asked to validate the debt. they sent documentation showing that the account was old. Im not sure of the account because I do not owe any attorneys any money, Definitely do not owe {$2000.00}! I would remember that. 

Now columbia collectors illegally reaged the debt to 2014 and negatively impacted my financial decisions. I never made a payment plan or discussed any payment options over the phone. I only asked for validation over the phone. The debt is unrecognizable to me and I believe to be error. nevertheless they reaged the debt, and its on my XXXX and XXXX reports

Company response to consumer: Closed with explanation