vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-05-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
My Stearns loan is being serviced by XXXX. I never had an escrow agreement for XXXX to pay my insurance or property taxes. But they started paying my taxes, unknown to me. I was also paying my taxes. I paid all my monthly mortgage payments on time, but they kept part of it and so did not apply it to my loan. When I called in they would say they did not have proof of insurance so XXXX times I faxed it in, and customer service would say they would correct it. This never happened and so the loan kept showing in arrrears. Even though I have never missed a payment, my due date remained unchanged at XXXX XXXX, 2014. It was placed in default and I eventually had to pay what they said was the balance due to clear it. As a result, my credit was damaged as it kept showing late payments and default. The loan is now current but there is still the erroneous late reportings. I have never missed a payment, but XXXX has grossly mismanaged this account and caused the missed payment reportings to the bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
Direct Recovery Services has contacted not only me, but the owner of my home. A recorded message states that XXXX XXXX, and " the client they are representing is going to move forward with their complaint but I still have time to rescind the process ... '' the recording goes on with a number to call, XXXX. The recording never states who is calling, what it 's regarding, if they are trying to collect a debt or not..I did some research and found that Direct Recovery Services also has an address and phone number in NY ; Direct Recovery Services , XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX NY XXXX. There are also two websites, www.directrecoveryservices.com and www.directrecoveryservices.org. Both sites are made with a " XXXX '' account which anyone can create if they want a URL. I am very suspicious of this bottom feeder collection agency ... And furthermore, I do not owe a debt. If you review the websites, you can see that this is not a legitimate organization. They have even copied the logos of the XXXX, XXXX and CFPB, to appear accredited and legitimate. ( You 'll find this on the directrecovery.com site ; the .org site says " member XXXX '' If they were part of the XXXX I would have easily found them on this site, but did not. I also checked XXXX, they are not listed. I am quite certain they are not accredited by the CFPB either.

Company response to consumer: Closed
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
In XXXX my property was fraudulently foreclosed upon through PNC Bank and has continued to be reported on my credit reports despite a settlement with federal regulators in XXXX. This fraudulent foreclosure and its related erroneous information have been disputed both with the XXXX major credit bureaus and with PNC Mortgage directly. I have made repeated attempts to resolve this matter, but PNC Mortgage 's blatant disregard for compliance with federal and state foreclosure laws and regulations as well as disregard for compliance with the Fair Credit Reporting Act and the Fair Debt Collection Practices Act have become overwhelming. I feel I have been victimized by PNC Mortgage, and that PNC Mortgage 's continued reporting of erroneous information has caused me financial harm. 
I have maintained that this " foreclosure '' was faulty if not completely fraudulent. This position is supported by the fact that as part of a settlement with Federal regulators in XXXX, PNC Bank issued a payment to me admitting that I was eligible for payment due to being victimized by their faulty lending and foreclosure practices. At that time all fraudulent reporting of the " foreclosure '' of the " account '' should have been immediately ceased and deleted. This unfortunately has not been done as of today 's date.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I applied for a pnc credit online and was approved with a credit limit of {$1000.00} and cash advance limit if {$100.00}. One of the selling points that made me apply for the card is that it provided overdraft protection to my existing pnc personal accounts. A few days later I used PNCs VirtualWallet ( online/mobile banking ) to transfer {$3000.00} from my personal checking to my personal savings so I thought. What I actually did was transfer the funds from my savings into my credit card that I was just approved for but had yet to receive in the mail therefore the card was not activated. The {$3000.00} transfer was processed as a credit card over payment- when I never activated the card. I noticed the mistake and contacted PNC the next day to have it corrected. I was told that it takes up to 10 days to refund me my " over payment '' from an account I never activated so it should never t have even accepted the payment. This is now day 5 and I 've been assessed XXXX {$36.00} NSF FEES to date because all of my liquid funds were put onto the credit card account that was n't even activated. Again, this credit card was supposed to protect my personal accounts from overdraft but is not because it 's not activated. At this point I do n't even want the card or to continue banking with PNC but in order for me not to receive these fees that they should not be assessing me because the credit card should not have accepted the accidental over payment they are going to force me to activate the credit card that is the cause. This is preditory. Even if I were to activate this card it will only allow me a {$100.00} cash advance which does n't even cover the fees. Mean while there 's {$3000.00} of my money on this card as a over payment that I can not access. It took 3 seconds for Pnc to allow a payment ( that technically should not be allowed on a account that 's not activated ) and 10 days to return it?. My bills are not being paid including and I am in a state of crises because all of my accounts are overdrawn but PNC HAS {$3000.00} of my money and wo n't even utilize the overdraft protection that I signed up for when I applied for the credit card.

Company response to consumer: Closed
Consumer complaint received 2017-04-05 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA

Complaint narrative:
In XX/XX/2016 I contacted ChexSystems to inform them of the ongoing ID theft situation, of my name change, and of a new negative report by XXXX XXXX XXXX XXXX was reporting. ChexSystems informed me that I needed to file yet another NEW police report for ID theft although they were already in possession of a verified and valid one. Nevertheless, a police report was provided to them. I phoned and spoke to a manager who informed me that the dates listed on the police report were too broad and thus required modification to specifically list XXXX XXXX XXXX XXXX individually. The police report was modified at her request and forwarded to ChexSystems via a fax number that the manager had provided and also by US Postal Mail. In XX/XX/2016, ChexSystems informed me that they 'd honored my police report, conducted their own internal investigation and permanently blocked the XXXX XXXX account from reporting. However, I have recently decided to switch banks and have been made aware that ChexSystems is till reporting the XXXX XXXX. My current financial institution has further informed me that they have a subscription that has verified that ChexSystems never deleted the item, but it has been consistently reporting and that'swhy my banking services have been limited with them this entire time. I contacted ChexSystems and they now claim to have no record of any supplemental or modified police report being supplied to them. However, I have located the letter they sent me where they verified that they had indeed received it and deleted XXXX XXXX. I have been a victim of ID theft for several arduous years. ChexSystems is well versed on this issue. They are violating the FCRA by allowing verified fraud to be included on my report when they have vigorously verified its invalidity. At no time has ChexSystems ever notified me that they 'd either elected not to delete or had re-reported the fraudulent account. ChexSystems is required by law to permanently block and delete the XXXX listing immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My payment made early in XXXX 2016 for XXXX for the XXXX payment has never been credited to my account. I have called numerous times to PNC and even though they can see the payment in their systems, I am getting late notices every month and my credit is being effected as well. They need to update PNC internal systems, stop sending late notices, send an updated revised statement and a letter explaining this was a PNC mistake so I can submit to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: OH

Complaint narrative:
Hi my names is XXXX XXXX and I 'm very upset with regional acceptance corporation it has over charged me from the beginning of and has n't fixed the problem my payments have XXXX but i was told that my payments would be XXXX and it has n't been no where close to this the car has a warranty but they charged me for another warranty that i did n't need among other things i was promised that i would get my spear tire but i still do n't have one and i need that cause i attend college and you never know what will happen i want my payments to be reasonable like i was told when i purchased the car also they applied Gap insurance on my car with my knowledge

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BBVA FINANCIAL CORPORATION
State: FL

Complaint narrative:
RE Case number XXXX On XX/XX/2016, I hired XXXX XXXX XXXX XXXX XXXX XXXX. XXXX to fix my AC unit. It was n't blowing cold. XXXX XXXX sent a technician and they replaced the blower motor. 2 Months after the repairs, the AC unit stopped working. I called the company and they sent someone. The technician told me that the blower motor they installed 2 months ago was failing again. He opened the furnace and I believe " smack '' the motor and got it working again. 
A month after his visit, the blower motor totally stopped working. I checked the company review on their website and found out I was not the first person to complaint. They have been defrauding other customers. 
My bank supposedly has fraud protection. I have contacted a case has been opened and nothing has been done. 
We have been without AC for over 2 months now. My daughter has XXXX and we can not keep ourselves warm in cold days. 

Please help us. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC changed their HSA account login and there are no links or directions to the new website. My money just vanished.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Mortgage has been sending every month me a bills for payment on mortgage which I allegedly own them. I have never contracted with PNC Mortgage neither with PNC Bank. I have never been notified that PNC Mortgage or PNC Bank is my creditor or servicer. Neither of this XXXX entities are in my property chain of title. As of this date they continued to contact me at home and demanding to pay this debt and pursue foreclosure. On XXXX XXXX, 2016 I sent a letter pursuant to FDCPA 1692 ( g ) Sec 809 ( b ). PNC Mortgage failed to validate the debt and failed to delete or remove derogatory information from my credit files. PNC Mortgage failed to provide me with evidence of Illinois license to collect a debt in this state, and the license number. PNC Mortgage has been reporting invalidated information to XXXX Credit Bureaus as they were a creditor though they know they are not. PNC Mortgage failed to mark as disputed item in credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC
State: GA

Complaint narrative:
To whom it may concern, Reference : green tree denial letter dated XXXX XXXX,2015, Labeled # 1Income was incorrectly calculated not based on correct DTI or NET INCOMEReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 2This hardship is temporary and has been resolved ; I still need a loan modification to lower my monthly payments so I can keep my primary residence and increase my earnings. 

Reference : green tree denial letter dated XXXX XXXX,2015 Labeled # 3Gross income and DTI were calculated incorrectlyReference : green tree denial letter dated XXXX XXXX,2015 Labeled # 4From my understanding, I qualify for a streamline modification because my credit score is under XXXX and AGAIN MY INCOME WAS CALCULATED INCORRECTLEY AND MY DEBT TO INCOME IS not AccurateResolution ; I would like to see patterns from green tree lending on Debt to Income miscalculations and denials of modifications in error I am requesting a review of all financials by a qualifying manager, or VP whom has an understanding of XXXX individual, which may include review by a CPA or any qualified individual that is familiar with sole proprietorships. 

Modification has been in review since XXXX 2015, with no Final resolution. 

Green Tree is threating to foreclosure on my primary residence. I am not current on my payments and this letter is inaccurate. 

I am requesting my complaint be forwarded to the Department Of Justice and FDIC for further investigation of misrepresentation and inaccuracies for those indicated in my letter, but others with the same issues/hardships due to the economy. 

Respectfully and Humbly, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I made additional deposits to my mortgage at XXXX and asked for my PMI to be dropped. I paid for and had completed I be removed in their appraisal and they told me the PMI would be removed in XXXX But they were " backed up ''. It was not removed and I placed several calls and emails. They promised to call me back and never did. 
I believe this is a stalling tactic designed to keep charging me unnecessary PMI. I have more than {$90000.00} in equity in the house XXXX XXXX XXXX Loan Number XXXX XXXX XXXX XXXX XXXX, XXXX FL XXXX XXXX Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-01 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Profit Services Group
State: GA

Complaint narrative:
The debt collector Profit Services XXXX calling for XXXX XXXX keeps calling my work number after I have asked on a couple different instances to stop calling me at work. Today they called at XXXX I told him that I asked him not to call this number and his reply to me was " I do n't care ''. I then hung the phone up on him. I can not have these calls at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC Bank Services has interfered with my financial relationship at a company called XXXX XXXX XXXX loan by paying them money not in my account. They have for XX/XX/XXXX penalized my account for insufficient funds after they made this payment, and as of Friday, XX/XX/2016 held my direct deposit from social security retirement hostage where I can not asses the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
My name is XXXX, and I have had the telephone number XXXX for three ( 3 ) years. For more than a year, FMA Alliance has called me several times each month, insisting that I am XXXX. After failing to convince them that I am not her, for several times, I looked up her phone number and address on the internet. I even called her to confirm the info was correct. I have given that to FMA Alliance three ( 3 ) different times, They still insist that I am really XXXX and that I am lying so that I will not have to pay the bill. So I have attached two ( 2 ) recent bills that confirm my address and telephone number. One is from XXXX the provider of my telephone service. The other is from XXXX the company that provides my electricity and internet. Please try to convince FMA Alliance that I am really XXXX, not XXXX. XXXX address and phone number : XXXX, TX XXXX, XXXX

Company response to consumer: Closed
Consumer complaint received 2015-04-24 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I attended and graduated from University XXXX XXXX in XXXX, Florida. I have a private student loan from PNC serviced by XXXX. In XX/XX/XXXX I contacted XXXX to find out how I can lower my monthly payment due to my low income. After several attempts with different representatives I was finally transferred to a gentleman named XXXX in the financial department of XXXX. He instructed me to fax over a written statement and supporting documents. The documents included a recent pay stub, copy of my XX/XX/XXXX tax XXXX, as well as income sensitive repayment request form. I faxed over everything as instructed. After 4 week I still had no feedback. I continued to make some kind of payment each month. I resent my paperwork again in XX/XX/XXXX and XX/XX/XXXX. Still no response. In an attempt to make a better yearly income, I went back to school to changed my profession. While in school I requested deferment of my payments. No response. In XX/XX/XXXX I received a letter from Attorney at law XXXX, XXXX, and XXXX debt collector. I faxed them back in XX/XX/XXXX That I had been making some kind of payment and that I had filed income sensitive repayment request to XXXX. I heard nothing back from them till XX/XX/XXXX they started leaving messages on the answering machine. I have no idea what has happened. I just was requesting a lower monthly payment so I can stay on top of paying off my loans. XXXX monthly payments {$470.00} a month, my yearly income {$16000.00} per year. I do n't know where to turn. I continue to request lower monthly payments till I can get my career on track. I take my state XXXX exam in XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Eastern Account Systems of Connecticut, Inc.
State: TN

Complaint narrative:
Eastern Account Systems and XXXX XXXX XXXX are negatively reporting on my credit report with XXXX in the amount of {$390.00}. I filed police report # XXXX and Report # XXXX regarding identity theft that occurred in XXXX TN with the XXXX XXXX Police Department. I have provided a police report, affidavit, and lease agreement where I resided in XXXX TN at the time of the ID Theft. I have presented this information to both XXXX and Eastern Account Systems. When I spoke to the Id Theft Department for Unauthorized Charges at XXXX they were unaware of Eastern Account Systems reporting to XXXX and explained that Eastern Account Systems should not be reporting. I have submitted information on more than XXXX occasion and disputed information with XXXX and Eastern Account Systems continues to report that I owe {$390.00}. I attempted to have cable services installed through XXXX on XXXX XXXX and they canceled my installation appointment without notice after I took off from my job. They gave me a new appointment then after having cable for 3 days they then disconnected my services because of the unauthorized charges from someone in XXXX TN in XXXX and XXXX. I do not owe XXXX or Eastern Account Systems any money. I have lost time from my job and wages because of this as well a major blemish to my credit report for several years.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
This company called me claims to be XXXX XXXX XXXX they say I owe them XXXX. I have never had a online loan done and she had provided me with my own ssn and email and phone number

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Medical Society Business Services, Inc.
State: AZ

Complaint narrative:
My lawyer told me all my hospital bills were taken care of including this one when we settled with the other attorney when I was in a car accident. He said I had no more bills to be paid or be worried about. I dont know why after all theset years it 's still on there I have disputed it many times and other collection agencies pick it up but it has hurt my credit over time.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief