vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-24 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Once again, I attempted to do an online transfer of {$100.00} from my PNC checking account to my PNC smartcard and once again PNC has removed the funds from my checking account and has failed to put them on the smart card, forcing me to call in YET AGAIN, be placed on hold and transfered to various departments in order to get the funds either returned to my checking account or put on the smartcard. This time, an " escalating customer service rep '' said that they are aware that there is a glitch that sometimes does this, that it is their fault, that they have had numerous calls when it happens, but have no idea how to fix the glitch since it is inconsistent. PNC needs to have severe punitive penalties, from in effect, stealing from its customers and not addressing the issue unless customers are willing to be on hold for over an hour with each incident and get angry. PNC acts are clearly illegal and need to be fined heavily -- my guess is they will figure out the " glitch '' very quickly if they are forced to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I decided to check my credit before applying for a car lease and to my surprise I saw I have a collection on my credit report. I did n't received a notice to dispute the validity letter, where I have XXXX to dispute the validity. Under the FCRA they are required to send me this letter PRIOR to reporting anything on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY
State: SC

Complaint narrative:
I made a purchase to an online platform around XXXX XXXX XXXX of {$370.00} then another purchase on the same platform at app. XXXX XXXX XXXX for {$130.00}. I checked my account yesterday XXXX XXXX later in the day and the later chg of {$130.00} was on my acct online but not the {$370.00} which was the first purchase. This morning XXXX XXXX around XXXX I checked the acct the {$130.00} was gone and the {$370.00} was there. I called cust scv and they said we see the {$130.00} and it was paid although it 's not showing. They explained that sometimes the merchants will capture the pmt then take it off then put it back on as the actual charge. I am reporting this because I am really concerned about how transactions have been showing up and disappearing causing me to be overdrawn. I have been in this business since 2011 and have never ever had another bank do this, so never have I heard of the merchants system taking the capture off then replacing it with the actual pmt charge. In XXXX there was sufficient money on my acct, extra money showed up of {$300.00} & some dollars. I thought it was monies from a sale I was expecting so although I thought it was released early I did n't think much else of it. This was on a Tues I think. By that Thursday evening all that was left was {$24.00}??? When I called they told me they do n't see where {$300.00} & some dollars was ever there. First, I had enough money and was not making that many purchases for what I had in there before the extra money, to end up with {$24.00} let alone that so many transactions came through to deplete the previous balance plus the additional money so basically over {$300.00} in charges they are saying I had it 's really confusing, and now I have to constantly check my account and make pdf copies to show proof of what I see because now it 's their word against mine about this {$300.00} and some dollars. I just feel there are some shady practices going on and I think I really need to reconsider where I keep my money. This is not convenient banking if I have to constantly monitor them, do hand calculations and audits matching transactions etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On or about XXXX XXXX, 2016, I elected to open an account with PNC Bank. I was told I would receive a bonus of {$300.00} if the following requirements were met by 60 days : Deposit {$5000.00}, make XXXX debit transactions and send a payment for any amount. I checked with the bank in XX/XX/XXXX after completing the requirements. I was told the requirements were met and the bonus will be added to my checking account. At 60 days, I contacted the bank to check the status and was told the bonus was not attached to the account. The bonus would be in my account no later than XXXX, XXXX, 2016. I called the bank and was told I did not qualify because the {$5000.00} was simply deposited at a branch and the bonus required a business check. I feel deceived because the bank held my money and now refuses to honor the bonus. Adding insult, the bank will charge my account {$25.00} to close the account because 180 day has not elapsed. The marketing rules for the bonus were not fully discloseddisclosed!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-10 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
On Friday, XXXX XXXX, 2015 the bank branch manager at PNC, XXXX claims she received a phone call requesting she fax our bank statments for the last three months to an institution. about a week later my nusband noticed a {$15.00} charge to our account and inquired as to why. He was told by the bank manager that she had a call on XXXX and that the " recognized my voice '' and faxed statements and charged us for photocopies. 
ISSUE : I never called the bank requesting this action. Neither XXXX of us were told about this or asked to come in and sign a release for our information to be faxed. We took our phone records at a later date to prove we did not do this. This did not matter to her. We went to the police department but they can not do anything. My husband was advised to leave this bank as our information could be anywhere and compromised. 
It is unlawful to fax bank accounts without the written permission/release by the account holder. There is no written release by me or my husband. We have since removed all the assests possible from PNC BANK in XXXX, NC and opened new accounts in another bank in town. We feel we were treated poorly by negligence on the part of the bank branch manager who took the bogus phone call and faxed our information without our knowledge. We need PNC to admit wrongdoing and return our money charged for photocopies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
My spouse filed for chapter XXXX approx 2010. Our attorney advised that we could have our home equity line of credit 'stripped ' because the house was appraised at less than what we owed. The chapter XXXX was approved and we were assigned a trustee to which we sent money to each month for a period of time. Then, our attorney called advising that we could have the bankruptcy converted to a chapter XXXX where which we would no longer have to pay the trustee. We paid the attorney the additional fees and the chapter XXXX was approved. Now, my spouse is attempting to refinance her home and we are advised that Greentree financial, the heloc company has a lien on the property. 
I can go on and on about how greed is destroying America. But for crying out loud, we were led to believe that we followed the letter of the law. Now I ca n't do n't hear from our attorney and the window of opportunity is closing to qualify for a lower interest rate. 
My spouse has been working for the same company for fifteen years. Now. She barely makes above {$30000.00}. The company has layoffs very very often and each time it scares the wits out of her. She is a hard working individual as is evident by the fact that she has never been laid off but she works in manual labor and she is getting old to the point where she may not be able to keep up the pace for very much longer. And she 's aware of that and she 's just trying to lower her interest rate from 5.5 % to a XXXX. Not very much, but its something! And now she 's being trounced on by this lender when the rule clearly states ' In addition, if your house is worth less than your first mortgage, you can petition a bankruptcy court to declare the HELOC loan as " unsecured, '' which would effectively cancel the loan as well as the lien. ' Do we have to be rich, or in the 1 % to have this rule affect us? I 'm a XXXX veteran and she 's coming up on a major decision as to remain at {$30000.00} and continue with the wear and tear of her position, or quit and find something for possibly {$7.00} per hour. Our government and the corporation that support or government have placed her in a lose-lose situation. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: NC

Complaint narrative:
We put our house on the market XXXX XXXX 2014 for $ XXXX within a week we were told greentree wanted $ XXXX. we signed all the paperwork. we submitted everything as it was given to us within XXXX hours.We received a letter dated XXXX XXXX stating " you can not be involved in an account modification and a short sale where an offer has been submitted, accepted, accepted, approved and is pending closing, or a deed- in - lieu where the deed has been executed and the related documents are being finalised '' greentree repeated thisXXXX times in the letter. I think a reasonable person has an expectation of a closing being imminent. The closing was set by our lawyer for XXXX XXXX. XXXX kept asking information which had been submitted. They never asked for an appraisal until XX/XX/XXXX. They did not allow a closing until XXXX XXXX. I believe they do not act professionally or with the custom in mind. I truly believe they just did not care about performing their duties in a professional and prompt manner. I had a contact person but when I kept calling they transferred me to a line that was an answering machine. no one ever returned my calls. 
I expected my credit to drop, but what is hurting me now is that they are showing late payments, which if they did there job promply and professionally we would have closed by XXXX XXXX 2014.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Ditech Financial LLC
State: CO

Complaint narrative:
I have a loan from Ditech. Whenever I pay extra above the billed amount it is not applied to the principal. Last month I sent a {$25.00} payment in the middle of the billing cycle marked " all to principal '' it was all applied to interest.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: NY

Complaint narrative:
When I took out my mortgage ; the company I took out my mortgage with advertised low mortgage payments. The first couple of months were affordable. However, my mortgage payments increased so high that I was not able to keep up with my monthly payments.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: IL

Complaint narrative:
I applied for a loan modification under the hardest hit program on XXXX XXXX 2016 through the XXXX organization XXXX told me they submitted my application on XXXX XXXX 2016 since that time ditech mortgage brokers South Dakota has changed my account number add an escrow account increased my payment and denied me my loan modification I never had an escrow account on my mortgage I paid my own taxes and my own insurance I 'd like to know why or how they change my account number for my mortgage added an escrow account to my account I never signed any such papers authorizing ditech to change or add my phone number are escrow fees im considering fileing a civil complaint against ditech of South Dakota thank you

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15 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: Debt Recovery Solutions, LLC
State: NY

Complaint narrative:
I received a collection notice from this company on XX/XX/2016 claiming I owe them {$980.00} and they 're attempting to collect this debt on behalf of XXXX. I called XXXX and confirmed with them 3 times that I did not have any type of account with them. I placed a call to this collection company where they immediately asked me for my social security number which they hung up on me when I refused to give it to them. Since I have never opened an account with XXXX nor was I ever a customer with XXXX I came to the conclusion that this is a scam. I have since sent a debt validation letter to this company with a return receipt request.

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 2016-07-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: AL

Complaint narrative:
1. Ditech, Financial has repeatedly charged fees that are unexplained fees without adequate explanation. They refuse to speak with me regarding this matter. I am executrix of an estate and have tried to continue the mortgage payments as instructed until the Probate process is done. Letters of Testamentary and other info as requested has been forwarded to Ditech, but they constantly say they do not have the information. However, they accept my checks. Letters from them are confusing and contradictory. Their actions are unsavory and they refuse to cooperate effectively. 2. I am requesting that the account is reconciled to reflect accurate charges immediately. 3. I have several correspondence from Ditech that states late fees, delinquences, content that states changes/adjustments. However, this information is not definitive and change with the next correspondence. 4. Ditech does not adequately sevice this loan. 5. This company shows all indications that their means of operation is illegal. One can not make demands or threats, if they have not adequatly explained what the customer needs. This company is the same as Green Tree that was sued. Ditech should not be allowed to operate period. All monies need to be returned or at least waived until the account is fully corrected and correctly operated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: OH

Complaint narrative:
In XXXX my mortgage was sold from XXXX to Green Tree Servicing. In XXXX, my homeowners insurance was cancelled because GreenTree made the payment late. " It crossed in the mail. '' In XXXX, I received a check for escrow overage. On XXXX XXXX, I received a notice of delinquent taxes from my county treasurer. I called the County Treasurer on XXXX XXXX, they indicated to me that the XXXX tax payment had not been made and the XXXX tax payment was applied to the delinquent XXXX payment. I called Green Tree Tax department immediately after I hung up with the County. The Tax Department had me fax over the delinquency notice and they would " research '' the case, which would take 2 weeks and they would get back to me. To date, I have yet to hear from Green Tree. Furthermore, when I asked what to do with the escrow overage check, the Tax Dept. told me that it was n't their dept. and I would have to contact customer service. Customer Service advised me to return the escrow check to be credited back to my account. To date, I do n't know if this money has been credited back to my escrow account ; I asked for an email or a phone call to confirm this. Finally, my escrow overage is {$400.00} less than my delinquent tax bill. I have written a letter to Green Tree outlining my dissatisfaction with this situation, their customer service and what I would consider resolution.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: VA

Complaint narrative:
I have rental property which was late on payments as tenants had not paid rent for seberal months. I did make the Payment after the monthly statement had been generated and was sent to me. The company sent someone to the property, which I understand is normal. But the investigator began talking to a neighbor leaving the impression that the house was being foreclosed upon.The company has my phone number and my home address for contact information and knew how to reach me, yet they did n't. There was no need for them to collect any information from the neighbor or tell them who they were or why they were there. Also any information shared was incorrect. Is n't that illegal?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
We are current in our mortgage payment, but our new servicing company called Ditech XXXX. LLC of XXXX XXXX South Dakota has denied we are current. The company is threatening to forclose our home even though we are current. in our mortgage payments. XXXX XXXX are being forced to hire a lawyer at a great expense to our budget. Is this denial of payment not fraud tricks to force a foreclosure of our home.

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 non-monetary relief
Consumer complaint received 2015-06-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
I sent a letter to all parties that I think might hold my mortgage to telling them that I heard about the supreme court case regarding rescission. Because I filed the notice when I found out I was not getting any cash out of the refi I sent a notice to rescind and have a copy of the actual form. Green Tree replied to my request by asking me to provide proof of the date it was received before the deadline. They are missing the point of the XXXX v XXXX home loans, is that recission starts the moment it is dropped into the mailbox, not when they receive it. I was told at the time that they did not get it before the expiration date. But they did get it. I was lied to by title agents about the terms of the loan. I asked them to honor my request for rescission which was originally directed to XXXX. The right to rescind the loan expiration contingent upon any cash being given out of the refi to be intentionally misleading. I was never told I had to wait until expiration of rescission or that if I did not get cash out I would still be under the terms of the loan. See enclosed letters from both myself and Green tree.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: World Acceptance Corporation
State: SC

Complaint narrative:
WORLD FINANCE CORP. IS OVER THREE YEARS ACCOUNT AND THEY STILL REPORTING ME ON MY CREDIT REPORT. CAN WE DISPUTED ON MY ACCOUNT SO THIS MATTER CAN BE CLEAR.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: CA

Complaint narrative:
I purchased my property in 2007 for {$330000.00}. Last year I had the property appraised at {$360000.00}. I have paid down my mortgage and now have a balance of approximately {$200000.00}. I have submitted at least six requests to my lender to cancel the PMI and they continue to indicate I have not paid down my mortgage to the required XXXX % LTV ratio. I need assistance.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: World Acceptance Corporation
State: SC

Complaint narrative:
World Finance called me about four times in less than five minutes on or about XXXX XXXX, 2015 around XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC
State: PA

Complaint narrative:
Ditech was negligible in providing me information. They overcharged me. Now, they are trying to steal my home!

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC
State: FL

Complaint narrative:
hi my name is XXXX ( XXXX ) XXXX i had numerous problems with green tree morgage company even though i never was late even XXXX time with a payment. thank fully i was able to re fiannce and get away from that horrible company. still have XXXX last problem with them. they still have not reported my perfect payment history to the credit bureaus. which i believe they are supposed to do.. have not had them as a morgage compay since XXXX or XXXX of XXXX thank you for all and any help in this matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation