vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-26 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I wrote a check to a university for {$370.00}. It was stolen and the perpetrator added a " XXXX '' in front of my " {$370.00} '' cashing the check for {$1300.00}. This happened XXXX XXXX. My bank credited my account for {$1000.00} almost immediately. I had to fight to get my {$370.00} back. Although obvious fraud, my bank filed this as an " encoding '' error. Therefor, the my bank debited the {$1000.00} they had credited me on XXXX. Took money back XXXX. No advance warning, nothing. Obviously, the bank moved money from my savings to cover funds shortage for bills, etc. Going into month 4. Fraud, not my fault, but my bank has n't given me my $ $ $ $ back!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I completed graduated school in XX/XX/XXXX. I recently received a contact from a debt collector stating she was calling on behalf of PNC loan bank regarding an account I defaulted on in XX/XX/XXXX. I informed her that I had spoken with the company in XXXX and informed them I had been enrolled in graduate school and actively taking classes until at least XXXX. She reported that was not the records she had been given. I inquired that if she had been notified that I defaulted in XXXX why was it just being sent for collections. She reported she did not know. I also asked for the account to be reviewed and contacted the creditor but they refused to give me any information about the account and directed me to the debt collector. I have recently requested information regarding my account from the debt collector, but I have not received any correspondence from her in weeks. I am mostly concerned because when I contacted the creditor they reported they had no contact information from me, but the debt collector claimed she called me the first day she received the debt and she had my personal cell number and address, however I never received any information from PNC about my account being at risk or sent into collections and when I consolidated my student loans in XX/XX/XXXX, they did not agree to allow the account to be consolidated with my federal loans, but I never received anything from them after that either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
they keep calling me at work, I have told them not to, they do not leave a message

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XXXX XXXX at approx. XXXX I attempted to deposit {$3000.00} cash in the atm machine inside the lobby at the PNC bank at XXXX XXXX XXXX XXXX. XXXX GA XXXX. The machine did not accept XXXX of the XXXX XXXX $ bills and then the machine malfunctioned and a screen showed " Unable to complete transaction please contact your banking institution '' It then returned my card with no receipt and kept {$2900.00} without depositing the amount in my account. I then called the number on my card where I was transferred over to a voicemail multiple times by attendants who seemed unconcerned with my issue. I went into the branch the next day where the bank manager initiated a dispute. I have spoken to the operators with customer service no less than 7 times over the last 13-14 days. I was told an investigation would then begin and that provisional funds in the amount of my loss would be in my account in no more than 10 days from my loss. At 10 business days ( 12 days total ) the funds were not in my account. I called the customer service line again to ask why and they told me there are no disputes in the system. I then found out once they reviewed notes that operators from within PNC had entered XXXX separate disputes for the same event. As I understand it the XXXX operators had then entered the system to erase the duplicate dispute and by doing so they accidentally erased the original and the duplicate because they did not read the notes. I asked them what this means and they stated they would have to start over and initiate a new dispute. They will not provide me with any other info and it would seem everyone I have spoken to conducts themselves with an amount of disregard for customer concerns even if they do so politely. Incompetence followed by a policy of disregard with a smile is still incompetence and disregard. When I asked them or told them I will have to speak to my attorney and or the media or someone who could help me the woman became slightly rude and asked me " am I threatening with legal proceedings or media '' at which point the woman seemed to indicate that it would interfere with the process and that she would have to turn me over to the " escalations '' dept. She behaved as if I was now doing something wrong. No matter who I call or what I do I can not seem to get any specific answer on when I will get my money back if at all. The company is displaying habitual incompetence coupled with what seems to be a policy of blatant disregard for the consumer. Any help you could provide me would be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc.
State: NY

Complaint narrative:
In XXXX of 2015 my credit monitoring company notified me that my credit score dropped from XXXX to XXXX. I gained access to my report and found XXXX accounts reported by Alliance One Receivable. I contacted the company and asked what it was and they told me it was a debt to XXXX county. I asked what it was for and they could not tell me. I told them that I never received notification from them that I was in collections, or that they would be reporting to the credit bureaus. Further I was not notified of my right to dispute it. I asked the company if they could provide proof of mailing and they could not. To this day I still have not received any information from this company nor any attempts to collect the money however my credit reports remain tarnished by these accounts that I know nothing about.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-25 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
XX/XX/2015 I paid my XX/XX/XXXX lease payment and set up auto pay for the account. The auto pay did not work. I noticed that the funds were not withdrawn from my account in XX/XX/XXXX by which time I was past due over 30 days and I was reported to the credit agencies. In researching this, it came to light that BMW FS sends out a reminder email within a week after a missed payment. In my case there was a " clerical error '' which has been admitted by BMW. Yet they will not acknowledge that it is unfair that I was the only customer of theirs that did not receive an email or notice and hence affecting my perfect credit profile adversely. I have had XXXX leases with BMW and spent over XXXX without being late- and yet they refuse to see the correlation between a wring email and lack of notification ( when I set up auto pay thinking all is well ) and the situation that I am in. They also claim their third party sub contractor called me, yet I have no message or record of it ( I have provided my phone bills to them. ) They keep telling me that it is my responsibility - how about a functioning website and having my email input correctly- whose responsibility is that? I believe my track record speaks for itself. Yet they keep telling me by law they have to report me and can not do anything and from what I have been told and have read that is simply not true. 

Simply put, why was I excluded from learning of the situation with my account by a misspelled email address in their system- which they have admitted to?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Alliance One, Inc.
State: WA

Complaint narrative:
Left voicemail threatening arrest, then sent a collection letter trying to obtain information and requesting paying a debt that is not mine or do not owe, or is likely over XXXX years old from when I was a XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NV

Complaint narrative:
Client is wanting to save her home and has the means to do so - the loss mitt package was submitted to the lender XX/XX/2016 - 7 days prior to the sale date of XX/XX/2016 - the lender is not postponing sale to allow the review, they are now in violation of XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: KY

Complaint narrative:
Tried to get loan modification ..Nationstar mortgage kept losing my faxed documents.2 and a have years later, they send me paperwork.My new payment amount {$290.00} and change. then a letter with different amount. I also signed up for auto withdraw.I told them no withgraw on XX/XX/XXXX as per agreement. They sent letter to remind me I now had to send {$370.00} in check by XX/XX/XXXX. I waited till XX/XX/XXXX to make sure no autowithdraw. there was none I sent check, two days later they withdrew money. I had to cancell check. {$30.00}. In short every thing they have told me about has been a lie.I did sign the loan w/this company anyway, they ( bought ) my loan. please help..

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: AZ

Complaint narrative:
Unnecessarily corporate fees. 
Nation Star Mortgage charges me for Attorney fees, and many other fees while my house was under contract for sale. In all the fees are total nearly {$7000.00}, and I gave Nation Star Mortgage the opportunity to resolved the matter ; however, I kept running to a wall. The property was closed on XXXX XXXX 2015, and did not go to Foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC.
State: TX

Complaint narrative:
Due to a weather events our house sustained damages in the neighborhood of {$57000.00}. Because it was XXXX in damages the mortgage company restricted my loss drafts. The last draft was due to the contractor and myself to recover the depreciation values and the supplemental repairs. The mortgage company refuses to release the last payments and claim that they need more documentation both our contractor and ourselves have provided that documentation 6 times already via fax, email and regular mail. When we call for an update on your checks they ask for the same documentation that has already been sent to them 6 times. They also make you wait 3 days for an update and when you call back, again the ask for stuff that was already provided to them. There is no consistency with your case manager, you always get a different person and it is always the same excuses. The company is Penny Mac.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: AL

Complaint narrative:
I applied for a loan refinance with Quicken Loans. This required an upfront payment of {$500.00} and an appraisal. The appraisal was completed and Quicken Loans gave me the details of the refinance package they could offer. Subsequently, I was offered a superior package from XXXX Bank. After much consideration, I decided to pursue the refinance with XXXX. On XXXX XXXX, Renasant and I emailed Quicken Loans and requested that the appraisal be transferred so that I could complete my refinance with XXXX. Quicken Loans chose to delay the transfer until they could speak with me. After several calls and emails, it was determined once again that I would pursue the refinance with XXXX. At this point, I was passed to a different group within Quicken Loans and told that my appraisal would not be transferred. I restated my request, but was told Quicken Loan 's company policy prohibited the transfer. I professionally expressed my frustration, and found only a cold indifference to my request. 

I paid Quicken Loans to engage the appraisal company. The appraisal should be transferred upon my request. It should not be held hostage in an effort to force me to transact with Quicken Loans. 

Furthermore, I should not be belittled for choosing to transact outside of Quicken Loans. Prior to my appraisal being held, I was told that my choice to deal with XXXX was ignorant. The specific words were, " Well, if you do n't know any better, [ you would choose XXXX ]. '' I am a XXXX, and I know the differences in the refinance packages being offered. XXXX came to me with a good offer right away, where Quicken Loans revised their offer XXXX times, only to offer something a few hundred dollars better ( after seeing the details of XXXX 's refinance offer ). Based upon this behavior, I chose XXXX, and I need my appraisal before my loan lock expires.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I RECENTLY IN XX/XX/XXXX STARTED THE PROCESS OF PURCHASING A HOME. I WAS APPROVED AND EVERYTHING WAS MOVING ALONG. I HAD MONEY IN ESCROW AND DUE TO A BANKRUPTCY CHAP XXXX FILED IN XX/XX/XXXX AND PAID FOR ALMOST 5 YEARS. IN XX/XX/XXXX ROLLED THE CHAP XXXX INTO A CHAP XXXX AND HAD TO FORFEIT MY HOME. THE CASE WAS DISCHARGED IN XX/XX/XXXX. I WALKED AWAY FROM MY HOME AND BANKRUPTCY WAS DISCHARGED AND OVER ... FORWARD TO XX/XX/XXXX I HAVE AN FHA LOAN DUE TO TH B.K ON MY CREDIT AND IT HASNT BEEN 4 YEARS SINCE DISCHARGE. ALL WAS GOOD EARLY WITHDRAWL OF XXXX FUND FOR DN PYMNT. PENALIZED AND TAXED XXXX DOLLARS FOR DOING SO. 5 DAYS BEFORE CLOSING IM TOLD THAT A FORCLOSURE FROM NATIONSTAR FROM MY PRIOR HOUSE WAS NOT ON MY CREDIT BUT ON A DEEP RECORDS SEARCH AND I WOULD NOT BE ABLE TO CONTINUE MY CLOSING OF HOUSE WITH 5 DAYS LEFT. FIRST OF ALL NATIONSTAR FROM MY PRIOR HOUSE WAS FILED CHAP XXXX ON AND DISCHARGED IN XX/XX/XXXX AND THEN IN XX/XX/XXXX THEY PUT IN A DEEP RECORDS SEARCH THAT THEY FORCLOSED ON ME. HOW CAN THEY FORCLOSE AND DESTROY MY CREDIBILITY WHEN THEY WERE BANKRUPT ON AND DISCHARGED?? NATION STAR WRONGLEY PLACED A FORCLOSURE ON ME WHEN IT WAS WELL OVER A YEAR THAT I WAS DISCHARGED FROM BANKRUPTCY. THEY COST ME XXXX IN TAXES AND PENALTIES FOR AN EARLY XXXX WITHDRAWL ,XXXX DOLLARS IN APPRAISELS FOR THE HOUSE I WAS PURCHASING AND I CAN NOT DONATE TO MY XXXX FOR 6 MOS OR PUT THE MONEY BACK IN THE ACCOUNT. NATION STAR DID ME WRONG IN A VERY BAD WAY. THEY HAVE A HORRIBLE TRACK RECORD AND COMPLAINTS THAT DONT STOP. WHAT I AM REQUESTING IS THAT THIS FORCLOSURE THEY PLACED NOT ON MY CREDIT BUT ON MY RECORDS BE REMOVED IMMEDIATLEY SO I CAN PURCHASE MY HOUSE FOR MY FAMILY. EVERY REALATOR INVOLVED AS WELL AS MORTGAGE COMAPNIES AGREED I WAS DONE WRONG AND IT SHOULD NOT HAVE HAPPENED. THEY SAID THAT NATIONSTAR LET THE PROPERTY SIT FOR OVER A YEAR WITH MY NAME STILL ON TITLE UNTIL THE MARKET INCREASED AND SOLD THE PROPERTY FOR A NICE PROFIT AND DAMGED MY CHARACTER IN THE PROCESS. I HAVE BEEN DEALING WITH A BANKRUPTCY ON MY CREDIT SINCE XX/XX/XXXX BUT IN NO WAY WAS EVER SERVED OR ANYTHING ABOUT A FORCLOSURE DUE TO I BANKRUPTED ON THEM CAN YOU PLEASE HELP ME TO RID OF THIS WRONGLEY PLACED FORCLOSURE ON MY DEEP RECORDS SO I CAN CONTINUE MY SEARCH FOR A HOME?? THANK YOU XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
About eight months ago, I filed an XXXX for a loan modification with Nation Star Mortgage. I have acted in good faith, sending every document that was asked for - then, submitting them again and again and again. 

The breaking point was a letter I received approximately 10 days after a conversation I had with one XXXX. She informed me that I needed to re-submit the XXXX with current dates and signatures of myself and my spouse, along with a " detailed letter '' explaining that she has not worked outside the home in several years. 

I asked XXXX if this will indeed fulfill the requirements.Checking with her supervisor, she relayed the message that it would be. 

The last time I was able to reach a human being ( which is no longer possible with this company ), I asked if the modification was going ahead. The person a spoke with checked, and informed me that it was. 

Today, I received ANOTHER letter informing me that the modification COULD NOT be completed because the STILL NEEDED DOCUMENTS THAT I HAD BEEN TOLD WERE NOT NECCESSARY AND DID NOT APPLY TO ME. 

All the time, I have told these people that I am self-employed by a number of clients, and have provided tax returns ( two years ) as well as the most recent P & L statement. I have done this TWICE. They NOW say they need " 30 consecutive days of pay stubs '' which I DO NOT GET AS A XXXX XXXX. THEY KNOW THIS. 

I was also informed that I must submit an " AWARD LETTER of BENEFITS STATEMENT. '' For WHAT? I get NO SUCH BENEFITS. AGAIN, THEY KNOW THIS. 

Now, I am completely unable to reach a LIVE HUMAN BEING at ANY TIME. I was given the name of a " Dedicated Loan Specialist '' named " XXXX XXXX, '' along with a contact phone number and an extension. This phone, like EVERY OTHER NUMBER the company has, goes to the SAME PLACE - the SAME ENDLESS MENUES with LIMITED CHOICES and NO WAY IN XXXX TO REACH AN ACTUAL HUMAN BEING. 

I have reason to believe this " XXXX XXXX '' does NOT EXIST, which to my understanding, constitutes FRAUD. 

This company has been LYING TO ME, JERKING ME AROUND and causing a WHOLE LOT OF UNNECESSARY STRESS in my life.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Our primary residence home was foreclosed on last year by Nations star Mortgage. During this process we made heroic efforts to accomplish a short sale and thus mitigate the loss to the lender, with no cooperation at all from them. They took title to the property and sold it within a short period of time. We have subsequently received an IRS XXXX for {$410000.00} which amount represents the entire loan balance. We feel that this tax liability is is error, and they refuse to correct it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MO

Complaint narrative:
I am a 3rd party negotiator working on a short sale. I have submitted all requested documents and I have pursued responses from the servicer so that I present any deficient documents and keep the process advancing. This file has gone to 'to underwriting review ' five times. I want a complete and thorough review of the file so that the required valuation and ATP can be arranged as required by FHA/PFS guidelines.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage is now playing the same game for which XXXX XXXX XXXX was sued and had to pay a fine. They are arbitrarily making rules regarding flood insurance coverage compared to home insurance coverage that enables them to forcibly obtain additional flood coverage and take the amount out of one 's escrow account. I was notified by Nationstar that the difference between my homeowner 's policy and my flood policy was too great a difference ( their determination, not Fema 's ). The XXXX letter ( dated XXXX/XXXX/15 ) stated that my coverage needed to be at least as much as the unpaid principal balance of my loan, 100 % of replacement cost of the property as determined by my homeowner 's provided, or the maximum available from the National Flood Insurance Program. I called Nationstar on XXXX/XXXX/15 and was told the letter was in error regarding unpaid balance on mortgage. A XXXX letter was received, removing the unpaid balance of the mortgage as a choice of limits to go by. This letter I took to my homeowner 's insurance agent and explained my problem. XXXX XXXX then did a review and lowered my replacement value to less than my flood insurance and should have faxed said information to Nationstar. So today, XXXX/XXXX/15, I receive a letter from Nationstar stating they took out a GAP FLOOD INSURANCE POLICY effective XXXX/XXXX/15 through XXXX/XXXX/15 and charged {$6.00} to my escrow moneys. Nationstar unilaterally decided in XX/XX/XXXX that I did not have sufficient flood insurance coverage, did not inform me until sending a letter dated XXXX/XXXX/15 ( which is about the time my new flood insurance and homeowner 's renewed by yearly payment from escrow ). After I took care of their issues by lowering my homeowner 's policy, they inform me they bought a XXXX month gap policy for a period I was never informed of or given time to correct. Basically, Nationstar has no interest in my property beyond what is owed them. My policies more than cover the outstanding balance. A XXXX call by me to Nationstar on XXXX/XXXX/15 confirmed that this is not a XXXX policy but simply a Nationstar policy. To me it is simply a way for Nationstar and other mortgage companies to try and sell policies and make money at the homeowner 's expense. Having already suffered through this with XXXX XXXX XXXX, I find it appalling to have to go through this again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL

Complaint narrative:
XXXX XXXX XXXX XXXX XXXX sold my mortgage loan to Select Portfolio Services. The initial date of non payment was XXXX. Both companies are reporting incorrect date as well as incorrect monthly payment. Thus it has raged the debt

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