vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-11 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: FORD MOTOR CREDIT CO.
State: CO

Complaint narrative:
they did jail me for failure to answer interogitories that they already had answers to and they brought the suit without legal standing due to the time elapsed they keep changeing agencys to subvert the law on deadlines they have attatched exempted funds and although the amount showing paid is more than the original owed 12 years ago they still say they are owed more the humiliation of a night in jail is worth more then any amount they can conjure with their creative accounting.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Garcadia Financial LLC
State: OR

Complaint narrative:
I paid for a dealer extended warranty as part of my car purchase in XXXX. The cost was {$2300.00}. It is itemized on both the installment and retail purchase agreements. In XXXX, I received a letter from XXXX XXXX that the dealership had been sold to XXXX XXXX and the extended warranty would NOT be honored without any sort of refund of the {$2300.00} which I was/am paying for at 11+ % interest. 
When I informed my lender, Foursight Capital of this fact in XXXX, it was ignored. I just called again on XXXX to inform/discuss this issue with Foursight. At this point I was told that Foursight did n't care that they, and I, are in effect being stolen from because Foursight already paid the money and its between myself and the dealership. 
I find this response by Foursight to be not only unethical, but also incredibly disrespectful of a consumer using their service because they were the lender chosen by the dealership. I had requested the dealership fund the loan through XXXX XXXX XXXX XXXX where I do business. While I can not prove it, my previous experience as a Underwriter in Manufactured homes tells me that Foursight offered the dealership points in order to fund the loan. I believe this is part of Foursights ' refusal to respond to the " theft '' of {$2300.00} by XXXX XXXX. 
Please find attached the full installment contract ( in XXXX scans to get the whole thing ), receipt for finishing paying DMV for my title transfer ( it is an itemized item for the correct amount on my installment contract and the attached retail contract ), retail auto purchase contract, letter dated in XXXX 2016 from XXXX XXXX announcing its ' purchase by XXXX and revocation of the warranty ( which is an itemized subject on the contracts for {$2300.00} -- not including the interest that has accrued since my purchase in XXXX ), and XXXX statements from my servicer/lender Foursight Capital who refused to do anything about the warranty revocation when I informed them of the revocation telling me that it was n't their problem even though Foursight Capital had paid the funds as part of funding my purchase. 

Thank you and have a good day, XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: R.M. Galicia, Inc.
State: CA

Complaint narrative:
I paid my copay for medical services at the time of service. XXXX XXXX did not give me a receipt, but they said they would mail the receipt to me. A long period of time went by and I received a letter from XXXX saying I owe the money. I made contact with them on numerous occasions explaining that I already paid them. They have now referred me to Progressive Management Systems and ( PMS ) is threatening me with legal action if I do n't pay them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Trident Asset Management, L.L.C.
State: TX

Complaint narrative:
THE DEBT WAS INCLUDED IN A CHAPTER XXXX FILED ON XXXX XXXX 2016 FILIE NUMBER XXXX. THE CREDITOR WILL NOT UPDATE THE CREDIT REPORT TO REFLECT ACCOUNT TO BE INCLUDED IN A CHAPTER XXXX AND CONTINUES TO TRY AND COLLECT ON THE DEBT.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-15 00:00:00
Product: Debt collection — Auto
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
This debt is an old debt back from XX/XX/XXXX that I have been harassed by XXXX for. I currently have a modification saying that I owe XXXX that was dated XX/XX/XXXX. They garnished {$60.00} from me on XX/XX/XXXX. On XX/XX/XXXX they took {$370.00} out of an account that was not mine. I am a signer on someone elses account and they took money out of their account, and my savings and checking. They left all accounts with a XXXX balance. The person whos account they took from is not my spouse and it is not their debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14 00:00:00
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Trident Asset Management, L.L.C.
State: FL

Complaint narrative:
Im having a problem with a company called Trident. They are calling me on a regular basis in regards to my grown daughter that lives in another state. They are harassing me. They called me XXXX the other day. The lady raised her voice at me??? They called my daughters fathers girlfriend also. He has only been seeing the girl for several months. Do n't know how they are getting the numbers. Please make it stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I purchased my house in XXXX XXXX. My monthly payment includes the principal, interest, mortgage insurance, homeowner insurance, and property tax. The homeowner insurance and the property tax payments are collected under the escrow account. My monthly monthly payment was initially around {$1300.00} including the everything. I recently learned that my monthly payment jumped to {$1900.00}. After several attempts, I learned that even though the mortgage company collected the property insurance from me on monthly bases, THEY NEVER PAID it to the insurance company. 
Now the mortgage company tells me that homeowner insurance from XXXX/XXXX/XXXX to XXXX/XXXX/XXXX is missing. And that they are charging me around {$5700.00} to cover the missing period without my consent. 
I paid my homeowner insurance payments in advance to the mortgage company. 
Mortgage company does n't pay it to the insurance company. 
Neither the insurance company nor the mortgage company informed me about the missing payments. 
I always assumed and more importantly paid for the homeowner insurance. 
Now, the mortgage company significantly increases my payments -that is XXXX % increase- ( from {$1300.00} to XXXX ) My concerns : 1- Why do I have to pay for the mortgage company 's mistake? Had they paid the insurance premium they collected from me on time or informed me that they could n't pay none of this would have happened. 
2- What is the logic behind purchasing insurance for the past time? 
3- Why is mortgage company charging me two -to- three times more than the regular insurance premuium even though it is clearly their fault? 
4- My biggest concern is that the mortgage company is either doing this on purpose of is not competent to collect escrow. This is not the first time they mismanaged my escrow. They previously charged me for flood insurance where the documents they provided me in closing clearly said there is no need for flood insurance. There was never any discussion on flood insurance, never purchase, but the mortgage company did charge for it for around two years ). When I noticed and told them about it they asked me to get proof from the county. In my experience, I suspect the mortgage company is either deliberately overcharging/abusing the escrow accounts or they are not competent. Either way, I think it should be investigated to see how many customers are in similar conditions as I am.

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 2017-01-12 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Federal Pacific Credit Company, LLC
State: FL

Complaint narrative:
Law office has called several times in an attempt to collect a debt. A family member tells me that their spouse has also received more than 1 call, which I believe is illegal, regarding this matter. On XX/XX/2017, I returned their call and requested verification of the debt. I received a letter, on law firm letterhead, regarding my request on XX/XX/2017. Before I could send a letter to cease and desist communication, they called me again today and left a message. Their letter claims that they represent Federal Pacific Credit Company, who also happens to have the same address as the law firm. Are they a law firm or a collection agency? I have never entered into any financial contract with either of these companies, therefore I do not owe them anything. The original creditor they mention, XXXX, and associated account has exceeded the SOL in the state of Florida. They can not file suit against me, nor can they report to a credit reporting agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
we have a mortgage with PNC Bank, which is the only loan on our single family, primary residence home. We simply want them to send us monthly statements on this loan. Let me give you some background on this loan. when we took the loan out in XXXX, it was originally with National City Bank, and it was a 20 year, fixed rate second mortgage. In XXXX, we did file bankruptcy and we did not re affirm the loan at that time, but we were never late or missed a payment. When PNC took over National City Bank, they did reach out and offer us a loan modification, which we took them up on, and as part of the loan modifiaction agreement was we had to re affirm the loa, which we had no problem with. 
The issue we are currently having is that theywill not send us out a mothly statement as required by federal regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29 00:00:00
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: J J Marshall & Associates, Inc
State: NM

Complaint narrative:
My account shows XXXX accounts from XXXX separate amounts with a credit union that I had no prior business with and a medical bill that was paid 5 years ago. I 've tried to gain access to XXXX and the qualifying questions do n't match with the information that I have to continue with the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Mortgage keeps calling every month on the XXXX XXXX to tell me that I am late, they will keep calling until I pay, this harassment most stop where is the gov. to stop these Bank from harassing people, we all know this is wrong so why does n't the gov. just keep fining them each time they do wrong, if they could harass us then we the government should harass them, this is not the only thing this Bank does to people, its in this complaints on this site, I say if you have more then XXXX complaints about the same thing then there is no reason for the gov. to investigate, tell them to stop these practices, then stat to fine them, whats so hard to see, business and Government know what wrong, and know people have hard times sometime to pay due to unforeseen maters and people know that they are late so why let these greedy company 's harass us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Alliance One, Inc.
State: NY

Complaint narrative:
Alliance One has sent me a statement with the threat of a lawsuit on a parking ticket dated XXXX/XXXX/2009. the collection agency also is threatening to execute on a judgment on a matter which has not been litigated ( falsely insinuating that a suit has been instituted ). Alliance One also is displaying on their correspondence that I am employed, falsely insinuating that a income excution and garnishment will be issued. the outstanding debt refers to parking tickets, however, the collection agency has placed a negative item on my credit reports, therefore creating irreparable damage to my credit rating.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: ME

Complaint narrative:
I opened up a PNC checking account that had a {$400.00} bonus promotion if certain criteria was met. 
Virtual Wallet with Performance Select : Earn a {$400.00} bonus when you do the following : Open a new Virtual Wallet with Performance Select Establish a qualifying direct deposit of {$5000.00} to your new account Make at least one payment with PNC Online Bill Pay On XXXX XXXX, XXXX I made a direct deposit of {$2000.00}, on XXXX XXXX, XXXX {$5000.00} which was followed by a XXXX XXXX, XXXX {$10.00} bill pay. I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my {$400.00}. The customer service representative told me I did not qualify for the bonus. I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months. I then waited until XX/XX/XXXX and proceeded to close my account. I 'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have had trouble with depositing cash at PNC bank 's atms. 
I have a case number for reporting this on XXXX XXXX, and XXXX, 2016. 
case number is XXXX. 
I deposited {$25.00} on XXXX XXXX at XXXX XXXX and tried to deposit more, it kept spitting out the money. Today they gave me XXXX overdraft fees of {$36.00} each. When I just spoke to them, even if it would have taken all the cash, now their committing fraud again ( I was already in a class action law suit against them for accepting checks before deposits ). Now their trying to tell me that depositing the {$25.00} went after they let checks come through. 
I have the receipt to prove the balance at the time of the deposit. This is why there was a class action law suit against them. Their trying to tell me that after XXXX all cash deposits through the atms are for the next business day. I was told that all deposits are put in the account immediately. Not only did they not put the deposit in immediately, but they put the incoming checks in before the deposit. There is a law that they should follow, that the deposits coming in that business day go into the account before the incoming checks! 
I want the XXXX {$36.00} fees reversed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC bank debited my home equity account and did not pay off the other loan. 
It 's been a month now and I am stuck paying interest on XXXX {$25000.00} Home equity loans. 
They still have not paid the XXXX the amount they stated they would pay in XXXX this year. They insisted they paid but would not provide me with a receipt of payment. There are emails where I asked for proof of payment and did not ever receive a reply. Also recorded phone call by PNC bank. 
They also refuse to credit me for the months worth of interest I paid last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMA Alliance, Ltd.
State: CA

Complaint narrative:
A XXXX XXXX from XXXX XXXX at XXXX is calling and asking for a XXXX XXXX. No such person resides at this number or residence. She attempted to be deceptive in giving her phone number and I was able to capture her true phone number on my caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: GA

Complaint narrative:
Stearns Lending LLC is our mortgage as of XXXX XXXX, 2015. We just purchased this home and were only living there three weeks before a pipe broke and flooded the house. There was $ XXXX damage to the home and is unlivable. We have had to move over XXXX miles away from our home one way in XXXX traffic. We are having to travel back and forth to get my XXXX children to classes and activities. Since this happen on XXXX XXXX, the mortgage company Stearns Lending LLC received the money on the XXXX XXXX and told me today that they are only going release XXXX % of the depreciated payment of $ XXXX they received. Also advised we will not send out anymore more until the project is XXXX % completed which is to be verified by their inspectors within 7-10 business days. So you want my general contractor to complete XXXX % of $ XXXX repairs on $ XXXX?? XXXX XXXX is already holding XXXX % of the $ XXXX until completion of the job and now they want to hold more. What ... .he has spent more than that by ordering all the new cabinets, granite, tiles, and sheetrock, and then having the plumbing and electrical issues on top of doing all the demo. I am out of our home paying them a monthly mortgage and they are holding the money to get our home fixed so we can get moved back in. I need help! I am having XXXX and XXXX and having trouble driving due to all the stress. My doctors have related it to all this. I need to go home with my family to the house we are paying for monthly without them holding the money to delay this and make it as hard as possible to get it done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
My boyfriend submitted fake check stubs to obtain a vehicle loan and is now hiding the car because he is unable to make the payments.

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 2015-06-08 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I contacted my bank, PNC Bank, to inform them that my credit card had been over charged at a restaurant. The cost of my bill was {$10.00}. After paying my bill, I was informed by the manager that " I was overcharged a little '' but if I contacted by bank the next day they would resolve it. I was then given a receipt for {$10.00}. After checking my account the XXXX day, I noticed that I was charged {$1100.00} in addition to my {$10.00} bill. 

After filing a dispute with the bank the next day, I was informed that I would need to provide proof of my original {$10.00}. I explained that I lost the receipt from that night and was told to contact the restaurant for a duplicate receipt. After several conversations with the restaurant manager, I was told that he no longer had a copy of the receipt and would have to " get back to me. " After XXXX months of calling the manager, it was clear that he was not taking my request seriously. I contacted PNC Bank to inform them about the situation and ask them to help me by contacting the restaurant directly. XXXX XXXX, the woman handling my dispute, told me that they would try contacting the restaurant but if they could not get the proof they needed, I would be responsible for the charges. 

To date PNC bank, has done nothing to assist me in resolving the issue with this fraudulent charge and has deemed me responsible for the {$1100.00} charge. I have since spoken with the manager of the restaurant and he is still " checking on the matter. '' He also denies receiving any communication from PNC Bank. 

As a loyal customer of PNC Bank, I have entrusted my money to this bank believing that if anything misfortune occurred that they would do everything in their power to assist me in protecting my money. I never imagined that if a fraudulent charged ever occurred that I would have to become a private detective and investigate the matter on my own. PNC bank has neglected their responsibilities as a financial institution and should be held accountable.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-21 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I made the mistake of pre scheduling a bill to be paid of XXXX to XXXX XXXX via on line pay through my virtual wallet months ago. I scheduled this bill to be paid when I was still a customer of XXXX. I paid this bill when I no longer had the service and had been a customer of XXXX for months. This payment of XXXX caused me to go into overdraft ; I was then charged XXXX payments totally XXXX. XXXX XXXX charge was for a payment made to XXXX for XXXX. I had enough to cover this bill, but did not have enough to cover my car insurance. Both would have been covered without penalty if I had not made the mistake of paying XXXX XXXX. 
{$70.00} is A lot to my family and I. We can not afford XXXX. My income is beyond tight. I am begging PNC to please review my account, acknowledge I am not XXXX to go into overdraft, and if not for the mistake of paying XXXX to XXXX, I would not have going into overdraft. I spoke with a CSR and she stated she was unable to reverse the overdraft fee because XXXX was forgiven in the past. Again, I ask that you review my account and acknowledge that I have been beyond attentive, and avoided over drafts. Due to this XXXX mistake of a pre scheduled bill payment for a service I no longer have, I am now forced to pay XXXX which is food for my family and I. XXXX XXXX stated they are refunding the sum of XXXX via pre paid card.

Company response to consumer: Closed with explanation