vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-06 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Financial Credit Service, Inc.
State: LA

Complaint narrative:
I am being contacted by a collection company. I was at home when the call came in today. I answered. They told me who they are and they are trying to collect a debt for over {$3000.00}. They say I took out a loan with XXXX something, I ca n't remember what the XXXX word was. I have never taken a loan out with this company. 

I asked if it could have been through someone else years ago and the contract was bought out. The original caller said I do n't know and transferred me to legal. I again told her that I had never taken a loan out with that company. What company did they buy the contract from. She started telling me they have something from XXXX XXXX?. I said that 's not what I 'm asking. I want to know who I owe. I 'm not just going to send you money. I asked her if they have anything with my signature on it. She started telling me I owe XXXX XXXX. Again, I asked her do you have anything with my signature on it? 

Her response, " Go to court! '' and then she hung up. I 'm not sure what I 'm supposed to be going to court for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
On XXXX XXXX, XXXX, I had a XXXX at a facility calling themselves XXXX XXXX ( located in XXXX, California ). Prior to undertaking this medical procedure, I was informed that my total out-of-pocket cost would be {$120.00}. I agreed to pay this amount and was charged the same following the completion of the procedure, which I promptly paid in full using an XXXX XXXX card issued in my name. On XXXX XXXX, XXXX, I was contacted by an organization calling themselves XXXX XXXX ( also based in XXXX, California ) that claimed I owed {$350.00} for the aforementioned medical procedure and that no payment had been received either on the day of the procedure or in the subsequent four months. After several attempts ( by mail and phone ) to contact this organization went unanswered, I was finally able to speak with a representative of this organization at length in XXXX XXXX and it was agreed by both parties that my payment of {$120.00} on XXXX XXXX, XXXX had fulfilled any financial obligation that I had with XXXX XXXX and that there would be no further attempts to collect the non-existent debt of {$350.00}. And, after not receiving any further notices from XXXX XXXX for over 15 months, I assumed that the dispute had been resolved and the case closed. However, on XXXX XXXX, XXXX, I received a notice from an organization calling themselves Continental Credit Control ( based in XXXX XXXX, California ) in attempt to collect {$400.00} ( or the original {$350.00} debt plus interest of {$59.00} ). At the time of writing this correspondence, over 20 months have passed since the medical procedure in question was performed and I am somewhat perplexed as to why I am still being contacted concerning a debt which I do not owe and would like to be assured that a final and binding resolution to this dispute can be achieved within the next few months.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Army and Air Force Exchange Service
State: FL

Complaint narrative:
MILITARYSTAR ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you MILITARYSTAR or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : MILITARYSTAR or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, XXXX 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 2017-02-05 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC has historically processed debits before credits over the weekend. Example, I start with positive money on a Friday, deposit additional money, and am hit with overdraft fees ( last time over XXXX dollars worth ) on Monday or Tuesday, BEFORE my money is deposited. 

Another problem, dispute to my debit card. I am switching Banks at this time. I had XXXX disputes pending. I had approximately XXXX dollars on Friday. They reversed all XXXX disputes at once on Friday to overdraft my account intentionally. XXXX dispute, XXXX granted a refund and PNC never credited me. I had documents and PNC claimed not received. XXXX of the reversals used to overdraft my account. XXXX at my branch faxed the evidence including my fax to PNC and XXXX email granting refund. 

PNC did not notify me if any of this, just overdraftfee my account, AGAIN. They hit my account on a Friday XXXX XXXX ) with all of these at once to overdraft me again on an account I 'm no longer using. Classic example of what they do. 

My complaint is the dispute results with evidence provided reversed, and the pattern of processing debits before credits over weekend to intentionally overdraft my account when deposit were made over weekend. 

I tried to close my account and it was refused because it 's overdraft. I had about XXXX dollars on Friday. Now it 's overdraft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: TX

Complaint narrative:
Hi, I had paid my initial 20 % of my 30 year conventional loan amount and requested for removal of PMI from my account which is allowed by Law and per the Mortgage companies own website FAQ and I paid the fee requested as requested by the Mortgage company but still they have been changing me PMI up from for the next months even before I am due for the next month payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-01 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I purchase my home in XX/XX/XXXX, now this current lending company took over my mortgage loan from another mortgage company early last year. XX/XX/XXXX. My mortgage payment at that time was {$1300.00}. In XX/XX/XXXX my house payment was reduced to {$1100.00}. I assumed it was perhaps my MIP insurance had dropped off as I had heard after 5 years FHA dropped it. I, however assumed, and did n't confirm the lower mortgage payment. I then received this Annual Escrow Disclosure Statement. Now, I have a {$2100.00} escrow shortage! Not only that, my house payment is now to be {$1500.00}! I have attempted to resolve this issue at least 6 times. Spoken to as many representatives. All of them can only recite the data on this disclosure statement! No one has addressed my concerns. How did I, after 6 years of ownership end up owing a shortage of {$2100.00}? Who initiated the change in my mortgage payment? Why was the change made? Why is my new mortgage payment {$400.00} more a month? I checked with my county tax, FHA MIP premiums, both of which the premium remains the same, or less! 
I asked to speak to someone in the Escrow dept, and was told the escrow department does not accept call. The representative said she would email someone in the escrow department and have them return my call. This was 4 days ago. Someone from the escrow dept sent me an email stating the very same information the representatives stated! 
I do n't know where to turn for help? I do not have the {$2100.00} they say I owe, nor can I afford another {$400.00} per month increase in my mortgage payment. Its worrisome how a mortgage company can dictate shortages, and increases without proper explanation to the consumer. I ask for assistance in this matter. 
I simply do not understand how

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Using a PNC Flex Visa rewards credit card, I earned XXXX points. I redeemed them for XXXX {$100.00} XXXX gift cards. The cards were shipped on XXXX/XXXX/2015. On XXXX/XXXX/2015 XXXX closed my account and banned me for life for buying too much ( spending $ XXXX per year ) and returning too much ( around XXXX % of items bought were returned ). The merit of XXXX refusing my business is highly questionable, but in any case, they have refused to allow me to redeem my gift cards, even though they are, by legal definition, something a consumer purchases in return for guaranteed consideration for goods and services. Regardless of that fact, they would not refund my money. I opened a case with the PNC bank rewards people, and after 60 days of runaround, they finally informed me that they will not accept the cards for return. According to their terms and conditions, one of the only circumstances under which a reward can be returned is if the reward becomes unavailable after a consumer orders it. So I ordered it, and that reward became unavailable to me afterward ( before I received it in XXXX, 2015 ). They should take the cards back and refund my points balance. It is unacceptable for a consumer to be left in a position where they 've paid cash equivalent for something and yet get nothing for it. XXXX should not be allowed to deny the use of valid gift cards, and PNC Bank should not be allowed to deny me returning a reward that has become completely unusable before I ever even received it. The bank uses rewards programs to attract and retain customers as well as entice them to spend money on credit cards. PNC Bank succeeded at doing this to me, yet failed to provide a reward of the value guaranteed as part of the rewards program.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC
State: OR

Complaint narrative:
I received a message from XXXX. The message was for an ex-boyfriend I have n't seen in 12-13 years. Not only have I gotten married and have a different last name now, I have lived in XXXX different states and changed number a few times. I have no idea how the company got my number, and the message left threatened legal action and was very threatening overall. I wish I could tell him to make this complaint as well.

Company response to consumer: Closed
Consumer complaint received 2015-08-26 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: Alliance One, Inc.
State: VA

Complaint narrative:
Prohibit of providing documentation of debt not owe. This issue is causing me and my family to be displace from my home. I 'm in the middle of trying to purchase a home. because of this showing on my credit ive been unable to move forward. 

I have called the company on XXXX different times, so had the federal organization. we each have identified ourselfs to get help nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc.
State: CA

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX, # XXXX XXXX, CA XXXXTel : ( XXXX ) XXXXTo Whom It May Concern : For the account referenced in this dispute, I was never notified of the debt or sent any request to pay it. Additionally, I have been trying for the last two weeks to reach a representative from Alliance One but all of their phone numbers go straight to a busy signal and I 've tried to reach them with no success. 

It seems many others have similar complaints XXXX pay all my debts I 'm happy to pay this balance ifa ) I get a letter or statement about what it isb ) A chance to pay itI do n't understand why a collection agency would avoid communicating about a debt they 're trying to collect, but based on what I 've read online about the company, I 'm thinking it 's some type of scam. 

Thanks for looking into this, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
BMW Financial approved me at Prestige BMW in XXXX, New Jersey for about XXXX on a brand new M235i with some Dinan parts. However, I am XXXX I put nothing down and I got approved, mind you I make about XXXX a month so I thought it would be impossible to get approved. I gave it a shot and it happened I left with my brand new M235 the same day. The issue I am having now is affording it, I agreed to pay {$1000.00} a month because I am an idiot and I completely regret the impulsive decision now. At this point I agreed to a vehicle surrender, still waiting on a call from an agent to schedule a time to pick up my vehicle. I will be filing a lawsuit due to the fact they approved me to begin with. I feel like there might have been an alteration on my credit application in order to get me approved, I will be trying to get a hard copy of that. I feel like I have been apart of some kind of financial scheme in order to get young and dumb people into any vehicle they desire.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: WY

Complaint narrative:
I wanted to reduce my mortgage by removing pmi. After struggling with moving money from bank to bank, I was able to make another 10 % payment to Stonegate Mortgage. I had put 10 % down on the house and with the 10 % payment, was at least 20 % of original loan. The whole goal was to reduce my mortgage by approx. {$200.00}. Not only has my pmi not been removed, I was told that I had to pay an additional {$110.00} to request a broker document before they remove the pmi or I have to wait years until the loan value is 78 %. They just gave me a bunch of other things to do. The problem is I work 14+ hour days every day ( XXXX hours just driving from XXXX to job ), and am at the limit for bankers bs. They took my money, which I can not invest, I told them the intent was to reduce pmi. Now they want to charge me more money before removing pmi even though I have paid the 20 %.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-03 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I moved from XXXX to XXXX in XXXX of this year. BMW Financial Services failed to send me a billing invoice for my payment, even though I called, emailed and sent change of address through USPS. Because I did not get invoice, my payment was late by just over 30 days. BMWFS had my email, phone number, and all other contact info but did not bother to notify me of late status until it was too late. I disputed with the XXXX credit agencies but BMW refused to budge. My attorney stated that since they had always sent a statement that they have set the precedent and were required to continue to do so. Since they did not, then they are bound to remove the derogatory information from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I was charged XXXX bank fees when I should have only been charged XXXX. I understand that I am accountable for XXXX, but the bank has issued me XXXX. On XXXX XXXX I had an ACH debit from my account from the XXXX and a debit from XXXX. After this, I still had XXXX cents left in my account. I still had a couple of days until the Veteran 's check came in so I bought food knowing that I would incur XXXX fees. Instead, the next day, I was charged for XXXX fees. I have talked to the bank clerk, the bank manager who talked to corporate and they all tell me that I just have to trust them that what they have on their screens is accurate and the information that they provide on my screen is not accurate. And I was told that the XXXX purchase was what overdrew my account, but when I look at my bank statement, it still leaves XXXX cents even after the XXXX debit. But I was charged XXXX fees. Then I made the XXXX purchase that should have overdrawn my account but PNC already overdrew my account with their XXXX unknown fees. I then asked for them to print out what they tell me they seen on their screen, but the clerk, bank manager and on-line banking clerk told me that they can not print it out for me with no further explanation. I am just supposed to trust that I owe the XXXX additional fees even though my statement shows that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION
State: KS

Complaint narrative:
In XXXX XXXX we filed for a loan modification with Stonegate Mortgage due to a loss of job. We were simply asking for the removal of PMI, due to being over XXXX % LTV. We have had over 30 conversations with the company since we filed this, and get different answers almost every time. We were originally told the process would take 30 days, this drug in XX/XX/XXXX and were we given several conflicting reasons why. 

On XXXX/XXXX/XXXX, we were denied the modification due to " being current on our loan. '' This is an issue, because we are currently in Chapter XXXX and this same mortgage company threatened to file for foreclosure if we did not make a payment on the XXXX of every month, so we had to stay current. The HARP/HAMP regulations also state being current is not a dis qualifier. 

We were told we could file an appeal, which is basically an email to the person who denied us. We have tried to reach out numerous times regarding the appeal and the company keeps saying they are looking at it. They said they can not provide us any further information. This process has now drug on for almost 6 months, without any resolution.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
An auto-payment I had cancelled was mistakenly processed on XX/XX/XXXX, which is responsible for putting my checking account into overdraft. I am not responsible for this payment being processed, and should not be responsible for ( 3 ) {$36.00} overdraft fees totaling {$100.00} that PNC has withdrawn from my account. Again, I suspect they are processing my transactions in such a way as to maximize fees ( profits ), had the larger payment been processed after the smaller payments there would be only ( XXXX ) fee. Branch manager will do nothing. PNC has charged me multiple hundreds in overdraft fees just this year. How long will the crimes continue unchecked? I demand these fees be REVERSED IMMEDIATELY and refuse to fork over {$100.00} to the bank for a mistake I did n't make.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I called PNC Bank which I had an existing credit card account with to find out if I had any balance transfer offers. I was told I had a 0 % offer so I made the balance transfer of around {$10000.00}. Turns out the offer was only 0 % for purchases and was actually 17 % interest on balance transfers. They also charged XXXX or XXXX % balance transfer fee. Once I found out that it was 17 % I soon after paid the whole balance to avoid further damage to my finances. This was a couple months after I opened the account. Still I incurred over {$700.00} in interest and fees. PNC says they ca n't find any recording of me discussing the interest rate. But if I have the money to pay off the card why would I want to have a 17 % interest rate? Ironically PNC bank is now sending me offers for 0 % balance transfers. 

I filed a complaint I believe with the Office of the Comptroller of Currency XX/XX/XXXX. I did receive a letter from PNC Bank dated XXXX/XXXX/2016 that they received the complaint ( Case # XXXX ). I have heard nothing further from PNC Bank or the OCC. I 'm not sure if the OCC was the correct department to complain to. 

I would like for PNC bank to be required to research this issue and at least provide a written explanation of why they will not refund the interest that I clearly was misled into being charged. 

Thank you, XXXX XXXX

Company response to consumer: Closed with explanation