vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-28 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: National Credit Adjusters, LLC
State: AZ

Complaint narrative:
Called claiming they wished to contact my friend for a job offer and that he had left my information as reference for said job. They claimed they can not contact him and asked that I forward information to this friend to call a XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX extension XXXX. I 've received several calls over the past year with the exact same claim for my friend, which i know is a scam attempting to get me to do their work in a collection attempt. Seeing as I have not given them permission to contact me on a regular basis yet they continue to call me with this scam, this can not be legal. Caller ID showed the number originated from the collection agencies Arizona number : XXXX XXXX XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services
State: CA

Complaint narrative:
ACS in XXXX NY has been handling my loans for a long time. They currently will not take my phone calls, and their head manager will not return my calls. They refuse to cooperate or speak to me, take my payment over the phone, or assist me in any way. My deferrment period has run out, due to the misinformation, lies, or lack of knowledge of their call center staff. Its like they have hired it out to some foriegn country and/or individuals who are untrained, unaware, or under pressure to terminate loans. I am confident it is their fault that I am in this position. For years I have been asking them on numerous occassions for information about a low payment loan to repay my loans or a govt loan to repay them. I am always told that no such loan exists, they have no idea what Im talking about, and know of nowhere to refer me. As it turns out, the loan I was referring to is called an IBR, which is supposed to be offerred by their services, which I couldnt figure out, and asked for their help. I received it by chance, several years ago by one staff member who was really helpful, but I didnt understand it or where it came from, and was given no explanation or renewal process to keep it going. Of course I would have preferred to have this loan paying down my loan amount! However, I didnt know it was available, and the call center staff declared no knowledge of any such thing. Consequently, I only knew to defer my loan, which seemed the only relief, since I do not have the funds to make the huge payments. Finally the supervising manager helped me to apply for the IBR, when I appealed to her, but I was assessed a full payment of over XXXX XXXX dollars -- in the meantime, which I can not afford. I have been approved for the IBR now, which I finally understand and am thankful for, which is at low reasonable payments, but they are assessing me in default because I can not make that one huge payment that they leveled on me between the time I applied -- to when it was approved, which was several weeks. Its not fair : what has been done to me or the way I am being treated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Midwest Recovery Systems
State: CA

Complaint narrative:
This account is too old and was not open in XXXX 2016 as stated in my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: DriveTime
State: GA

Complaint narrative:
Me and my wife percussed a car back in XXXX 2013 and thought we were getting a great deal. Come to find out we got screwed on this deal. They told me that they report to credit and they do n't. After about 1 year and 1/2 we went and percussed another vehicle and all the payments I was making to drive time was not showing up. They went even on my credit report. Also, the entrust rate is killing us, it was like over double what I was paying on my other vehicle. If I could have had afford it we would wound up paying over XXXX on a car that was only worth about XXXX. I do n't know how they can get away with that but they are taken advantage of people that have been in hard times. I have looked into this company and come to find out there have been lawsuit after lawsuit against them and most of the lawsuits are for harassment. 
I had to turn in the car because I could not afford it anymore and now I am getting harassing phone calls at my job and my family is getting them also. I would like this to stop and I would like them to leave me and my family alone. They got there car back and the have already sold the car. I can wind up losing my job if they keep calling had harassing me at work. I have a family to support, and I ca n't afford to lose my job because of them. 
I would like someone to stop this and put this company out of business. they have no right to treat good people like this. I have been keeping my cool about it but this is the last straw. I am going to keep looking into this company and find out what legal action I have against them.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
I received a escrow account disclosure statement dated XX/XX/XXXX informing me of an increase in my payment information because of a shortage amount of {$540.00} in my escrow account. The statement does not provide an explanation as to why or provide figures beyond that it may be due to an increase in property tax, insurance premium, or mortgage insurance. Upon speaking with customer service representative " XXXX '' at PNC BANK, she informed me that none of the aforementioned escrow accounts payable have increased and in fact property taxes have decreased from {$3000.00} as of XXXX XXXX to {$2800.00} for XXXX XXXX. The document states that " The minimum required balance allowed by federal law ( RESPA ) is two times your monthly escrow payment ( excluding MIP/PMI ) unless your mortgage document or state law specifies a lower amount. '' Our monthly escrow payment according to this statement is {$390.00}. According to XXXX, our escrow balance is {$1000.00} which is over {$200.00} more than double our monthly escrow payment and thus the minimum balance allowed by federal law. XXXX responded that " the reason I have a shortage is that I dont have enough money in the escrow, '' a tautology I am not satisfied with. When I said I could not follow her logic and was concerned that there was an error if my liabilities have actually decreased and my payments have increased, she said I was " just being argumentative '' and when asked if there was someone else I could talk to she said " no '' and that I could talk to her. I asked where the additional costs were coming from and she replied that they were coming from their yearly escrow projections which they do each year in XXXX. She claims the previous lender gave us the wrong amount to put into the escrow and that is why we have a shortage. She also claims that the escrow successfully paid all liabilities and that the balance is in fact still over the minimum required by federal law. And since we know exactly what they are for XXXX, I dont understand how the projections are coming back different. I am not satisfied with this service and do not want to pay you an increased rate based on costs that are indemonstrable and unavailable for my scrutiny. And, whoever XXXX is, she is not capable of explaining simple math to me and needs to be trained further if you are to obtain quality customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Bridgecrest Acceptance Corporation
State: TX

Complaint narrative:
I have contacted XXXX XXXX as it shows on my credit report ) and was told this is now Bridgecrest. I contacted Bridgecrest about verifying my signature on this account OR remove it. I have ONLY received letter after letter for me to send in my personal info as I did/have and still nothing. This has been ongoing for more than 6 months and still no resolve but it still remains on my credit report without verification

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 2016-06-06 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have been in review for a modification and I have not yet to speak to the point of contact assigned to the case. I have called her numerous times to check status on the modification and to see if further documents are needed. They have asked me for documentation and they have all been provided. They other agents ask me for supplemental stips on a piece meal basis. Now today, another agent is stating that I did not provide a XXXX. I informed her ask reflected on my pay check stubs from the XXXX, I DO NOT receive a XXXX only paystubs. The agent and not the point of contact informed me that even though I do n't receive a XXXX and receive paystubs, I need to still have written them a letter reflecting the fact that I dont receive a XXXX. So therefore, they are stating I did NOT provide documentation to them in a timely manner. The point of contact has never stated this to me and now they are no onger reflecting I am in active review because I didnt informed them I do not not receive a XXXX when clearly they know because they have my paystubs! This is a travesty of justice and is slap in the face of every American. They are not playing by the rules and setting me up for failure.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Mortgage did not process my request for hardship assistance for this reason : " The accepted documents was not received within the required timeframe. '' I confirmed the receipt of all documents with PNC Mortgage, and each time I received a printed and / or verbal confirmation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was looking to open a new bank account so I could save for specific things in different accounts. I XXXX good banks with promotional offers now, because I figured if I was going to open a new account I might as well get extra money to kick start my saving! I found two reputable banks with good promotional offers that I could meet the requirements. One of these was PNC. They offered a {$400.00} bonus for opening a checking account and making direct deposits plus paying a bill online. It sounded good, but I wanted to check that I met requirements so I called a rep who assured me I did, and to apply through the link. I met the requirements within 60 days and even did a web chat with a representative to check I met the requirements. When I still did n't get the bonus I called and they said they had no record of this offer on my account and to take a printed copy of the offer to the bank in person. I did this and the manager of the branch submitted an escalation request because she confirmed I had the offer in-hand and met the requirements. The escalation was denied, because they said this was for existing PNC customers, and this was my first PNC account. I can understand this ; however, what I can not understand is that I called/web chatted/went in person not one, but 3 different times to ensure that I 1 ) met requirements prior to opening account 2 ) met the direct deposit and bill pay requirements after account was opened and requirements met 3 ) took offer into the bank who again confirmed I met the requirements and met the offer and read through offer multiple times. If 3 of your staff members assured me that I met all requirements, then I do n't understand how you ca n't honor the bonus payment. Also, I recommend you retrain staff on requirements.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I have called various times to this agency to verify my debt but they do not gove me full detail of my balance owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Profit Services Group
State: FL

Complaint narrative:
I had a car accident XXXX/XXXX/2016. i had several bills including XXXX from XXXX. my account number XXXX. it took months for them to acknowledge my XXXX and XXXX information. i would call several times. in XXXX my auto insurance XXXX had to send out a letter to all the people left owing that i had exhausted the {$10000.00} and to please file with XXXX and XXXX. the supervisor at XXXX XXXX XXXX sent me into collections XXXX/XXXX/2016 ( he told me this morning ) because there was a conflict between XXXX and XXXX. like it was my fault? you know the rule, something about 90 days in arrears and it goes into collections. even knowing that it is being processed is my concern. eventually i found out by phone ( my call to XXXX ) that it was finally paid and i owed {$34.00}. that day XXXX i sent a check and it went through my bank account on XXXX/XXXX/16. on XXXX i get a call from Profit Collections wanting the {$530.00}. she wants proof its paid. i have no fax and no car. lost it in the accident. do n't you think it would be easier for Profit to call their Customer, XXXX instead of harassing me. they have harassed me again this morning. i am sick and tired of being harassed at home, under medication, trying to get well and NOT owing anything. are they all stupid? XXXX knows its paid. why do n't they call off their wolves?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC had an account opening bonus for a checking account. I completed all the requirements for the bonus but the bonus was never paid. This is a UDAP violation. When contacted about the bonus, PNC refused to honor the bonus as stated in the advertisement and even failed to meet their own timeframe for responding to customer service requests.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-21 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
This is in reference to complaint number XXXX company never responded by XXXX/XXXX/16. Long story short I was denied for a loan modification and I accepted this fact. I was informed by PNC that I could submit for a short sale. I am currently in active review for a short sale however, the short sale specialist is stating that the sale date will not be postponed even though I am in active review for short sale. I do not understand how this company is giving me any options to foreclosure, I asked the specialist just yesterday what my options to foreclosure are and she said " nothing ''. Please do not allow this company to continue to treat american citizens like they are trash and have no value. I am trying to do the right thing, submit for mod, then that was denied, so now I am trying to do a short sale so I do not have a foreclosure on my record. They are not willing to help. In addition, they NEVER responded to the previous CFPB complaint, this shows you how ethical they are.

Company response to consumer: Closed
Consumer complaint received 2017-03-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION
State: PA

Complaint narrative:
I had a short sale on a mortgage in XX/XX/XXXX and my mortgage company is reporting to the credit bureaus that I am currently late on a mortgage to XXXX. They reported false information in XX/XX/XXXX, XX/XX/XXXX and now XX/XX/XXXX There should be no changes reported since the date the mortgage settled in XXXX. It was reported as currently late again to XXXX in XX/XX/XXXX. Any lates should be removed, this was settled in XX/XX/XXXX per the attached. Stonegate acknowledged their error in the attached letter, yet I cant seem to get resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-29 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC bank mailed me a physical letter advertising my pre-approval a new credit card with a promotional bonus of {$100.00} upon meeting certain requirements. After meeting the requirements no {$100.00} bonus was received. I spoke to a PNC bank escalation representative who asked for a copy of the offer, which I provided. I was then told by the representative that the {$100.00} credit would not be given because I was not eligible for the offer because I had previously received an unrelated bonus for an unrelated banking product. I still have the mailed printed offer explicitly outlining the terms of the disputed offer, and it contains no terms describing that I would be disqualified by receiving bonuses for unrelated banking products. 

If not for the bonus offer I would not have opened the line of credit which harms my credit score, affecting loan rates, and costing me time managing the credit line..

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I HAVE A LOAN WITH PNC AND THEY ARE REFUSING TO GRANT MY DEED IN LIEU AND ARE REFUSING TO GIVE ME ANY RELOCATION ASSISTANCE WITH MY DEED IN LIEU. I HAVE SENT THEM THE DEED AND I AM ENCLOSING THIS GRANT DEED AS WELL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Franklin Mortgage Solutions, LLC
State: OH

Complaint narrative:
I received an unsolicited letter wanting to consolidate my existing mortgage and an estimated credit card debt of {$5000.00}. The letter stated that Franklin Mortgage Solutions could lower our monthly payments to {$1400.00}. I was given a phone number XXXX to speak with my loan representative. I do not have any credit card debt nor any problems paying my mortgage. The letter is very confusing, leading me to think that I have debt! The " Account Number '' for " my case '' is XXXX, sounding like something from the IRS! I was given a phone number to stop receiving " prescreened offers ''. I called that number but I was not able to ascertain whether this was a legitimate government agency! I can imagine that many people would be confused and very anxious that they were in debt. The " new loan proposal '' to correct this " problem '' was a 30 year fixed rate of 4.125 %. This letter is very incomplete regarding all the pertinent details.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
PNC Bank said on XXXX, XXXX that I was eligible for an extension since I was never late making payments on the loan. I would not be able to work for 2 months beginning XXXX, XXXX due to major XXXX procedure. Without my knowledge I had received a letter dated XXXX XXXX that I was not approved because of a resolution not put in by the agent. I was told by XXXX in XXXX 2016 that I can email directly to expedite my re-request which they 're now denying ever happened for which I can prove. They 're charging me {$1000.00}, saying I 'm behind when I only skipped XXXX payment in hospital unaware of " non-approval ''. They reported me to the Credit Bureau and my score is now ruined. I spoke with XXXX manager XXXX. He said he tried but top people will not honor the agreement and are rushing me to sign another extension agreement in less than a week to rectify some charges but say that they are not willing to help me to get my negative credit report dissolved. He admits that it 's poor communication on their part with me, the consumer having to make all the effort while at the same time trying to recover from major XXXX and medicine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: Kentucky Higher Education Assistance Authority
State: CA

Complaint narrative:
I had XXXX loans with KY Higher learning which were transferred to XXXX XXXX in XXXX. All XXXX loans are still appearing on my credit report and impacting my ability to obtain financing. I 've requested that they remove these loans from my credit report multiple times form XXXX, even submitting a form to KY Higher Education to remove them from my credit report ( which they claim to have never received ) and disputing my credit reporting with the credit agencies. Today, I spoke with KY Higher Education and discussed the situation with an individual named XXXX. He said I needed to submit another credit dispute from ; yet, he refused to send me the credit dispute form and just referred to the company website to dig for it. He said that he talked to a supervisor and they could not offer any further assistance, other than to say you can try to find our credit dispute form somewhere on our website.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
After paying off the second mortgage on my home, the lien was not released. The failure to release the lien is threatening my purchase of a new home this week. I am unable to find any way to contact PNC Bank other than by phone call or snail mail.

Company response to consumer: Closed with explanation