vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Checking account
Issue: Managing an account — Cashing a check
Company: PNC Bank N.A.
State: VA

Complaint narrative:
Please see Complaints : XXXX and XXXX As you will see, both complaints have been discharged and closed due to PNC responding to my complaint by phone and by mail. Just because they responded ( I received a call from XXXX XXXX ) does not mean that they satisfied my complaint nor that they resolved the situation. The issue is that PNC rejected a check payable to me due to an " irregular signature. '' Not only had they processed a previous check from this person to me ( signed by same person on the account ), but it seems they failed to follow their own procedures to verify with the account owner that this was a valid check signed and issued by one of the account holders ( as told directly to me by the account holder ). Because I was forced to process their second and final payment by credit card, I not only incurred a {$5.00} service fee from my bank, but an additional {$39.00} in credit card fees ( per my credit card statement ) that I would not have incurred but for PNC. PNC is using the fact that I am not an account holder and therefore they do not have to discuss this issue with me. PNC 's failure to follow its own procedures resulted in a {$44.00} charge that I would not have incurred had they processed the check and verified the account holder 's signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar Mortgage took over my loan in XXXX and they have been misrepresenting the accounting on this mortgage since they took over. They have been unable or unwilling to provide me with a detailed accounting of the escrow account and they have continued to add fees and charges to the account. Their records now show a past due amount of {$5700.00} on the loan despite all payments have been current since XXXX when they took over. 

One of the problems is that they purchased an insurance policy in XXXX when the home already had a policy in force and they charged the escrow account. They have also incorrectly posted payments in the account to the wrong months. I have been trying to resolve this with Nationstar since XXXX through calls and emails and they will not provide me with any customer support. They continue to transfer my calls to a call center in XXXX and the representatives can not assist me with these issues and do not understand the escrow accounting. I am now under contract to sell this home and want to resolve this before the loan is paid off.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Atlantic Recovery Solutions LLC
State: FL

Complaint narrative:
On XXXX XXXX, 2017, I received a phone call from ( XXXX ) XXXX on my cell phone. The man calling asked for someone whose name I did not recognize, so I told him he had the wrong number and hung up. This was the second call I 'd received like this, so I called back and asked him to please take me off their calling list. Instead of agreeing to take me off their list, he asked me how I knew the person they were calling about, if they were my husband or relative, etc. I told him to stop calling me, but he continued to ask me questions about the person they are trying to find. He then accused me of lying about not knowing the person they are trying to find. When I told him I would report him to the FTC, he became rude and abusive and continued to call me a liar. 

I asked for his name and the name of the company he was calling from. He said his name is XXXX XXXX and he was calling from ARS, XXXX XXXX XXXX XXXX XXXX, NY XXXX. I asked him repeatedly for the full name of the company or what ARS stood for and he refused to answer, insisting that it was just ARS. 

This person was extremely rude, aggressive, and refused to comply with my request to take me off their calling list. Instead of agreeing to stop calling me, he started asking me personal questions as if I 'm obliged to help him find whoever he was looking for. He even asked me why my office line was ringing while I was on the phone with him. This person is extremely aggressive, unprofessional, and showed no respect for my rights as a consumer.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Checking or savings account — Other banking product or service
Issue: Managing an account — Problem accessing account
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD

Complaint narrative:
I had deposited {$8700.00} cash into an account at the Bank of America ( boa ). The account # is : XXXX in NY for an XXXX XXXX XXXX. But when I got back to my house and went on the computer. I found out that I sent it to the wrong person 's account. It should have been sent to XXXX XXXX. Account # : XXXX.in CA. All I want is to get my cash of {$8700.00} back to me.
I 'm sure I 'm not the only one that has done this before. I am sorry for creating the problem but there should be a way to correct this mess.
I hope you might be able to have the money sent back to me, freeze the account or put a HOLD ON it. Until this gets settled. I have tried several times to get in touch with XXXX XXXX. No answer nor any leaving of a message. His phone # : XXXX.
I would really appreciate any assistance you can give me. My Home # : XXXX
SincerelyXXXX 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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC.
State: NJ

Complaint narrative:
From XXXX XXXX to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Preferred Collection and Management, Inc.
State: FL

Complaint narrative:
I called preferred collection and management company to inquire why are they reporting a collection that they never validated. The first rep was rude did not verify my identity proceeded to say the debt is mines and continued to talk over me I ask to speak to the manager who he left me on hold for over 9 mins when she get on the phone she did not verify me and she also stated that they do not have to validate debt and one letter was fine which I told her I never received any letter I ask the manager do you understand that your rep did not verify me before he gave the mini memoranda she told me not to speak to her that way I have the call recorded and they kept being combative would not let me speak to resolve this issue

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: Netspend Corporation
State: TN

Complaint narrative:
On XXXX I received a completely unsolicited XXXX XXXX debit card from XXXX. The Issuing company is XXXX Bank and XXXX. XXXX XXXX is affiliated with XXXX XXXX and their frequent flyer program. I have never applied for a XXXX XXXX credit card or any other card associated with XXXX XXXX. There is an {$85.00} annual fee associated with this card if you choose to activate it.

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 2017-08-24 00:00:00
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Confusing or misleading advertising about the credit card
Company: AMERICAN EXPRESS COMPANY
State: PR

Complaint narrative:
Received unsolicited mail from Amex offering XXXX   signing bonus and other benefits. I applied under my name and not my husband and did not know I would not be honored the email offer. My card was approved and I have proof of their offer via mail. Amex does n't want to honor the XXXX to our account -my husband is on the card account with his own card. I still have not received, signed, activated or used the card and have notified Amex several times by phone, chat that I want them to honor the signing offer. Also have told them I wanted to be approved for the XXXX as I dont have an account per terms and conditions. They refuse to tell me how to file a claim, document my conversations in writing and/or honor the difference in points they offered us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
In late XX/XX/XXXX, I applied for a loan assumption/modification on my late husband 's mortgage. 
I submitted all necessary documents. XX/XX/XXXX - was told by servicer that application + supporting docs were complete and under review. XX/XX/XXXX - was informed that application was denied because it was incomplete. XX/XX/XXXX and XX/XX/XXXX, I reapplied again. On XX/XX/XXXX and again on XX/XX/XXXX ; I was told the application was denied for incompleteness. 
In each submission, I have confirmation that they have received what was requested. I finally was forced to file a civil complaint in XXXX Superior Court ( XXXX ) on XX/XX/XXXX, to address this. 
The Service is still moving forward with the foreclosure sale on Monday, XX/XX/XXXX and has, to date, refused to extend any assistance.

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 2017-08-24 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: NRA Group, LLC
State: PA

Complaint narrative:
I loged into XXXX XXXX and it says i have {$130.00} in colections from XX/XX/2012. I should not owe anything and dont know why its saying i owe money. Please help

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Experian Information Solutions Inc.
State: KY

Complaint narrative:
I have disputed the accounts that are reported by Illinois Department of Family Health. This department constantly reports inaccurate information on my credit report. Due to Illinois Department of Family Health 's failure to report accurately, my rights are being violated under the Fair Credit Reporting Act. 

This is directly affecting my credit report making it impossible to obtain credit. The violations committed against me are : 1. Illinois Department of Family Services supplies false reporting * I have made documented monthly payments for the last 5 years that have not been reported * The agency does n't reflect payments made and marks them as being 120 days late. * Illinois Department of Family Services marks major derogatory marks, even though payments are being made. * Illinois Department of Family Services has changed the the account open date from XX/XX/XXXX to XX/XX/XXXX. 
2. Illinois Department of Family Services does n't respond to disputed information request * I sent a certified mail account dispute letter that was received on XX/XX/XXXX and signed for by an employee. Today is XX/XX/XXXX and Illinois Department of Family Health still has n't responded to my request. This is a duration of 167 days that far exceeds the 30 day requirement by law. After I sent these dispute to both the Illinois Department of Family Services, it seems the agency has retaliated against me by placing these negative marks and changing the account opening date on my credit reports. For the last 5 years I have been paying the required amount that was submitted to my employer. These payments have come directly from my payroll. 

I have disputed this information with XXXX, XXXX, and Experian. All three have failed to follow up and pursue accurate information, even though I have sent paystubs for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX through the month of XX/XX/XXXX. I have included all the documents that have been sent to the credit bureaus and the Illinois Department of Family Services.

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 2017-08-24 00:00:00
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Paypal Holdings, Inc
State: CA

Complaint narrative:
In the month of XXXX 2017, one of my business associates sent me {$4000.00} and {$3000.00} through PayPal. PayPal does not allow me to use my funds for well over 3 weeks. I have to call them constantly and beg for them to release the funds. In addition, there is a very long wait, usually over 30 minutes, to speak to a representative.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Clark County Collection Service
State: CA

Complaint narrative:
I 've complained on this issue before in conplaint # XXXX. XXXX XXXX XXXX XXXX keeps pushing a fraud packet, that wants me to give them all kinds of my personal information, that I do n't feel comfortable giving out. I asked them to prove that the so called account is mine. I am not doing their job for them. I want to see proof that the account that was XXXX XXXX is mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Problems at the end of the loan or lease — Unable to receive car title or other problem after the loan is paid off
Company: General Motors Financial Company, Inc.
State: MO

Complaint narrative:
Lender never sent me a lien release letter as required under Missouri law after the loan was paid off under bankruptcy discharge and payment plan completion. I am trying to trade in the vehicle and requested a lien release letter which lender stated they mailed by US Mail on XXXXX XXXXXXXXXXXXX XXXXXXXX/XX/XXXXX/span>. As of XXXX, the lien release letter has not been received. I called and tried to verify the address it was sent to ( which was correct ) and to request an overnighted replacement lien release letter on XXXX. Lender stated they would not replace the lien release and would not overnight. They however have no tracking information to support the claim they have mailed the document. I gave the lender 48 hours to overnight a replacement and they refused. I was referred to a manager who never returned my call to follow up. I need this document to sell a vehicle I no longer need. There has been every opportunity given them to deliver but they did not send a lien release.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ

Complaint narrative:
From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( s ) by the creditor/student loan provider, XXXX XXXX or XXXX XXXX XXXX XXXX XXXX XXXX  XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.

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 2017-08-24 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: Experian Information Solutions Inc.
State: NJ

Complaint narrative:
From XXXX 2011 to present, all 3 major credit bureaus reported an extended late payment history on my account ( XXXX ) by the creditor/student loan provider, XXXX XXXX or XXXX  XXXX XXXX XXXX XXXX Assistance XXXX. The creditor also appears as " XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX XXXX XXXX '' on other reports. 

After receiving official documentation from XXXX XXXX stating that my account was inaccurately reported as late and that the account is now closed after being paid in full they still remain as active negative items on all three of my credit reports. 

Numerous letters, disputes, and phone calls have been made to the three major credit bureaus regarding this matter and yet none have helped remedy the issue.

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 2017-08-24 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: HUNTINGTON NATIONAL BANK, THE
State: OH

Complaint narrative:
I paid off huntington bank in 2013 XXXX.they people from the XXXX XXXX keep saying I owe XXXX I talked to a guy there he said do n't worry about it he 'll make it a charge off.they do n't send me a letter or anything.there number is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Ocwen Financial Corporation
State: FL

Complaint narrative:
Everyone is saying that you will not tolerated XXXX XXXX XXXX/ Ocwen Loan Servicing LLC . To continual harassing the consumers but Im not be treated with the respect, dignity, and fairness that I deserve. I would like to send you proof that OCWEN is still up to their old tricks. AHMSI mortgage payment was not behind, but the mortgage company force place insurance. The new insurance company sends the information to the mortgage company. I change insurance company. I fine an insurance that would insurance my home for half the amount of my old insurance. 
I do not have an escrow account with my AHMSI mortgage company. I pay my own Taxs and Insurance and I do it on time. But my AHMSI has opened an escrow without notified me until after paying a cancel insurance policy. The old company did not cancel I wrote a letter telling them to cancel and phone call ; I end up getting the insurance commission involved. This has been going on for over nine ( 9 ) years at this time. 
Through bankruptcy chapter XXXX I received this mortgage contact, and I am not pleased with what Ocwen Loan Servicing LLC presented to me. The payments began onXX/XX/XXXX how I can make a payment on XX/XX/XXXX when I just received the contact from you to review XX/XX/XXXX Ocwen Loan has changed the contact and I decided to consult an Attorney for a second opinion, and I found out that : Interest rate is the only thing that looks appropriate in this document 19 years payment vs. 30 years is not good for me and this also changes my contact. 
I did not want it but they gave me a BALLOON PAYMENT, now its a balloon Interest Bearing Principal Balance that group interest this also change my contact. 
Interest, Escrow, and Monthly payments all adjust when everything I had before was fixed. 
I need someone to look into this matter as I do not accept this mortgage modification that was presented to me. I have been advised not to sign anything and if needed, to take further action to expose this fraudulent mortgage business practice. I look forward to your prompt reply. 
The mortgage insurance has pay off the mortgage you can check MERS website and it look like it was done before the foreclosure procedure was done. 
MERS MIN : XXXX Note Date : XX/XX/XXXX MIN Status : Inactive Servicer : Ocwen Loan Servicing, LLC Phone : ( XXXX ) XXXX, XXXX XXXX XXXX, FL.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-24 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: WELLS FARGO & COMPANY
State: CA

Complaint narrative:
We have tried applying for loan modifications. The lender is not communicating and just giving us the run around. We submitted a lot of documents as supporting documents but they will not give us explanation to why its not going through. My husband has XXXX XXXX since 2012.He is still working and under medical supervision and we continue to work in our business. It is best for us to to keep our house and willing to work with the lender. My XXXX year old mom who has XXXX and XXXX brother. Selling will put us in worst situation. Please help us we just want to try to keep our house.

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