vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-12 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: CAVALRY INVESTMENTS, LLC
State: FL

Complaint narrative:
Cavalry Portfolio Services, LLC. on XXXX/XXXX/XXXX Levied and seized by car. I had tried to negotiate with them on an old debt the bought from XXXX XXXX XXXX that was charged off. They put a judgement on me on XXXX/XXXX/XXXX after the debt was charged of from XXXX. I am XXXX year old widow. They told me they were going to auction my car and then attach my pay if I did n't pay them {$13000.00}. The debt was only around {$10000.00} orginaly. I offered to settle for {$7000.00} or pay {$1000.00} a month. They wanted both which I could n't do. I had to rent a car to go to work which I am in sales and have to travel to clients homes. I had to take the money out of my retirement 401K. This has really hurt me financially and I think this is unfair. I do n't think they should put a Judgment on me to begin with. XXXX had written this loan off. It shows on my credit report it was written off. With my husband dyeing supply I was left without his income and struggle to make ends meet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: NJ

Complaint narrative:
my mortgage servicer is lender live. i refinanced last year in XXXX. at the time of closing i paid down 3 month of escrow for my taxes and also prepaid interest XXXX. right now my loan servicer is raising my payment by {$110.00} because they claim that i need to have additional 2 month cushion for my escrow. initially when they took over my mortgage they were asking me to pay the insurance which numerous times i rejected it because i want to deal with my insurance myself and now escrow for my taxes. servicer will not return phone calls or respond to messages. last conversation i had with them they told we will raise your payment and we will do it at any given time when there is a change in your taxes. my taxes are {$690.00} a month and based on projection for 2016 it will come up to {$690.00}. why should i pay {$110.00} every month more. i refinanced to lower my payment and this servicer is telling me flat out you will pay more. i can not afford to refinance again to lower my payment and get into another servicer who will do the same

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: NY

Complaint narrative:
Lender Live was my mortgage servicer up until they transferred my loan. Lender Live sent my escrow payments to the wrong municipality, creating a large deficiency in my escrow and then notifying they were more than doubling my payments. When I notified them they had made a mistake, they never explained what happened, only that they needed to request refunds from the municipalities they sent my money to so they would be able to pay the correct taxes ( due to their error my property and school taxes were paid late ). They have yet to correct the issue, and provided the wrong escrow information to my new loan servicer so I am yet again trying to rectify the issue that Lender Live created.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Bayfield Financial, LLC
State: WI

Complaint narrative:
On XXXX XXXX, XXXX I received a garnishment notice from Bayfield Financial, LLC via a plain letter mailed to my sister 's address, which is my address listed for the WI DMV, with an attached income worksheet. Upon further investigation of the stated case information through the WI Circuit Court Access website, I learned of a small claims judgement from XX/XX/XXXX that I was previously unaware of. I have no knowledge of a notice to appear ever being issued nor signed for. After nearly 10 tax years, XXXX jobs ( including 6 years of military service ), and multiple address changes I am now being notified of a nearly {$1400.00} judgement that has accrued an additional {$2000.00} of interest. I have researched Bayfield Financial, LLC 's role and determined that they may have purchased my " debt '' back in XX/XX/XXXX and have a history of unlawful practices such as this. My complaint is that they did properly notify me to appear via certified mail nor file a garnishment/tax refund interception for the past 9 years while interest has continually accrued. They also did not include any information about the original debtor so I can try to determine the full scope of the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: TX

Complaint narrative:
About 3 months ago I applied for a payday loan of {$600.00}. I received the loan. Since I received this loan I have discovered and been told that in Texas the maximum amount for a payday loan is {$500.00} and can only be for 31 days. Each month for the last 3 months I have been pay {$160.00} a month but they keep refinancing my loan which does not seem to be going down but going up.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: WA

Complaint narrative:
Information was given to XXXX by AllianceOne, a debt collection agency. AllianceOne was contacted and agreed that the debt was not mine, but insisted that they could do nothing about it. I stated that they gave the info to XXXX and they should be the one to inform them that the info was incorrect. They stated that I would need to dispute it with the Credit agency to have the info removed. I spoke with the agency and they said I needed to go to the reporting business. When I informed them that I had, they then said they would need a letter from the reporting firm. Typical catch XXXX there is no winning. Even though I disputed the info with XXXX it has not been removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My husband and I took out a mortgage in XX/XX/XXXX which was a home equity line of credit. The first 10 years was interest only and the 2nd ten years was principal and interest. The mortgage and note we signed are not clear on that. Then XX/XX/XXXX the payment changed from XXXX something to over {$2600.00}. We got no payment change form 120 to 240 days prior to this and now we are behind on our mortgage. PNC who is the bank said they do n't have to send a notice that we knew about on our note and mortgage. We applied for a modification. We got a letter of approval. Made our first trial payment and the day after we made our first trial payment we got a letter of denial on the modification. They are now threatening foreclosure. We have been making interest only payments just to try and keep above water. According to their statements they are not being showed properly on the statements. We really need help here. PNC is the biggest bankster our there.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: Asset Recovery Group, Inc.
State: WA

Complaint narrative:
The choice I chose above best describes what happened, but there is so much more. They threatened to take us to court and sue, threatened to damage our ( both my wife and I 's ) credit score as much as possible and garnish both My wife and I 's employment checks until debt was settled. We also can not confirm this, but we think there have been attempts by XXXX to contact us through our employers. We want to work with them and pay it off as we did n't even know that this medical bill existed until he called. That is nobody 's fault except ours, and we know this. We will fix it, but he is being very forceful and very abusive in his calls. The agent 's name was XXXX with Asset Systems. 

After this conversation with XXXX, my wife called me crying. So, I called him to ask for the name of the company he was with, He immediately went to " Do you want to speak to my supervisor? '' I said no, I just need the name and address of your Company please, which he provided. I wanted to report them for this abusive call and their tactics of trying to collect a {$600.00} debt. We my wife called them back during her lunch break today and to settle on a payment plan, but now I feel I need to take action against them for this type of behavior.

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

Complaint narrative:
XX/XX/XXXX, PNC Mortgage forcefully evicted me and my family from our home of 16 ( sixteen ) years, all because I refused to further alter the conditions and stipulations of a Loan Modification that I had entered into with this same mortgage company two years prior, and which would have resulted in my monthly mortgage payment increasing almost {$150.00} more than the amount agreed upon in the Loan Modification. This lousy mortgage company forced me to find a new place to stay and move within 10 ( ten ) days. Now, even though they 've put me and mine out of the house, these miserable cretins have the temerity, the nerve, the unmitigated GALL, to send me a XXXX letter telling me I 'M " responsible '' for maintaining the upkeep of the house. Can you believe this XXXX? Now, they absolutely refused to even work with me, even though I had offered on several different occasions, to resume making my monthly payments. They just forced me out. This PNC Mortgage needs to be investigated and some sort of sanctions placed on them for the incredibly LOUSY way they are treating people.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On Thursday, XXXX XXXX, 2016, for unexplained and unnecessary reasons, an employee, XXXX, placed my online banking access on hold. I had just visited the branch on Saturday, XXXX XXXX, presented my ID, received a new debit card, made a cash deposit, and received starter checks. 
When I called into online banking on XXXX XXXX, I was told to go to a branch to prove my identity yet again, and I would regain my access. When I got there, the representatives were unsure why I did n't have access, but I was told I would receive a call later confirming my access was restored - I did not. I called into online banking again on XXXX XXXX, asked for manager and again was told I would receive a call back and did not. I went back to the branch XXXX XXXX and again the representatives were unsure why I did n't have access, again I was told I would receive a call later confirming my access was restored - and again I did not. When I called into online banking later that day, I was told, snottily, to be patient. It is now been an entire week since the access was revoked ( to a VIRTUAL account ), without reason, and apparently the only person in the entire bank who knows how to get the hold removed is XXXX, and no one is interested in helping to resolve the situation. I just opened this account three weeks, already hugely regretting it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Information Bureau, Inc.
State: UT

Complaint narrative:
I called CIB credit collections for the doctors business bureau. I got hung up on the first 3 calls by a XXXX XXXX. I finally found a different number online to call. I was told by XXXX there was no supervisor available, then when I called another number I got a supervisor who kept asking if I had the call on speakerphone letting me know that she wanted to not be on speakerphone. I advised her that if she had something to say she could say it no matter what the phone was on. She seemed irritated and did n't like that. She stated they had been mailing requests for payment to an address I have n't had for years. This is on my credit, and I have n't even received proof of debt. I also refused to give my card number over the telephone due to not being sure it 's even a legitimate business. She did n't have anything to verify their legitimacy other than " well we are on your credit report ''. I now owe {$28.00} to a company that I ca n't reach 4 out of 5 times and I ca n't get verification is even legitimate. I feel like this is deceitful and fruadulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06 00:00:00
Product: Bank account or service — Savings account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I subscribe to overdraft protection from PNC Bank, but even with this they charge a {$5.00} fee if it is used. On XXXX/XXXX/15, in the evening, I noticed that a few purchases I made ( but did n't post yet ) placed me at - {$46.00}. Knowing of the {$5.00} fee that is assessed, I transferred all {$300.00} from my savings to my checking Sunday night. Apparently, later that evening or Monday morning the overdraft protection transferred {$46.00} to checking. But, since that money was already transferred - by me - my savings reflected a - {$46.00} balance. 
I did n't realize this until today when I also noticed, for the last XXXX days ( and it would have continued had I not transferred money ) that PNC was charding me {$7.00} a day ( my balance in savings as of this morning was - {$60.00}. 
How can they charge me for a situation they created? Why would their system allow a transfer from an account that had {$0.00}. I feel it is unfair and a complete money grab.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
By my mistake I made an online bill payment ( Through PNC Bank ) paying one bill in lieu of another. I attempted to place a block or stop payment online while the funds were still " pending '' status but the online system told me to contact customer service to continue. I placed a call to PNC Customer Service whom advised although my account online said the money was " pending '' the money was in fact out of my account and with the company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I and my wife experienced financial difficulties with paying our mortgage. The loan was interest only serviced by PNC Bank and owned by XXXX XXXX XXXX. Our home was placed into foreclosure and we hired a realtor to short sale our home. We hired XXXX XXXX XXXX, XXXX. to assist us with our mediation requests in Maryland and to process our short sale. We have a XXXX XXXX son we have lost all overtime. We attended XXXX mortgage mediation hearings over the last 7 months. At each hearing the representatives of PNC Bank would not review our home for short sale, but retention and told us that what the system does. We always filed out documents for short sale and we received short sale acknowledgements from PNC in XXXX 2015. PNC also conducted a detailed value analysis and their value came back at the same value our realtor listed our home for. The purchasers have waited 8 months to purchaser this home and they are now about to withdraw their offer. PNC refused to review our family for a short sale. All our Request for Modification documents stated short sale request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
From XXXX through XXXX 2015 I was enrolled in automatic payment with my mortgage lender, PNC. On XXXX/XXXX/15 I went on line with the intent to cancel auto pay. I thought I had successfully done so. I got an email from PNC confirming I had made changes. I thought my cancellation was processed. On XXXX XXXX I went on-line and paid my bill. XXXX mortgage payments came out of my checking. It then took begging and pleading to get the money back and additional begging and pleading to get it back electronically, as they wanted to snail mail it to my home address, and I was on vacation meaning it would be XXXX before I could have the funds to deposit and then I 'd need for my bank to clear them. The letter I received which I thought was confirmation of my cancellation was a non-specific notification of " a change ''. It turns out the draft date changed from the XXXX of the month to the XXXX. That is not what I thought I did but I had no way to know that because the letter was vague and I never got any notification of a new draft date or amount. I did not plan for or expect to have a double mortgage payment. Nor did I think it should take several phone calls and over 2 hours to fix. My initial call to PNC was on XXXX. Eventually they promised to wire the funds on XXXX and said they 'd be in my account by XXXX. Today is XXXX, still not there and now they say they did n't send it yet but will send it today.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank has failed to provide a substantive response to Case # XXXX. In support of my previous claims of abuses and overcharges is attached the consent order where CFPB has already found that National City Bank and PNC Bank have behaved in a discriminatory manner towards its customers. The mortgage I currently hold fits the settlement criteria except that I do not fit the race profile. However, I would ask that consideration be given to extending the criteria to those covered by the Servicemembers Civil Relief Act ( SCRA ) as well. In addition to the other abuses, PNC used the SCRA rate to their advantage by charging the 6 % rate when a lower rate was possible for the borrowers. I was forced to accept an inaccurate repayment plan, and I 'm not being permitted to make principal payments or having my credit report updated so the abuse continues even after repayment has occurred.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My bank has charged within the last month over {$1000.00} in fees. When I look at my statement, a lot of the fees are caused by re-arranging how they process items when they post and on for pending items ( some of which never even posted ). I have contacted several times to no avail and even have spoken to their executive team.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-19 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
After filing a dispute with my debit card, PNC bank issued a provisional credit on my checking account. Without proper notification, PNC bank reversed the provisional credit, which resulted in an overdraft on my account. Due to not be notified in a proper manner, my account suffered numerous fees. When I brought this issue to attention of PNC Bank, the branch manager told me they would make sure that any outstanding debits would be paid. This has not happened. Not only was I not properly notified, my account suffered an overdraft, and debit have not been paid as a result.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: AZ

Complaint narrative:
My husband made a loan modification in the beginning of XXXX 2016 to bring the account current. Since then he has made 4 on-time bi-weekly payments as per the loan terms. When we disputed information reported to the credit bureaus in XXXX, the credit bureaus stated that they received information from the lender on XXXX XXXX, more than 30 days after bringing the account current, that my husband was still 60-89 days late and had not made a payment since XXXX. This is hurting his business very badly as it is for his work truck which is having problems and we need to trade for a more reliable vehicle and it is also preventing him from being able to obtain business credit. ( It is also hurting us regarding buying a home which we are in the process of qualifying for. ) The lender is aware of this as they were informed of this in XXXX and advised me they would report it current within 30 days ; they have yet to do so. I do have a letter on their letterhead dated XXXX XXXX that my husband is current, but they have not reported it accurately to the credit bureaus. I have evidence of our dispute with XXXX wherein they informed us the furnisher states the information they provided, that my husband was 60-89 days late and had n't made a payment since XXXX, is accurate. It is now XXXX XXXX. I believe they are in violation of the FCRA and we will sue as a result, and seek attorney 's and court fees, but this still needs to be amended immediately and recorded accordingly.

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 2016-08-22 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: J J Marshall & Associates, Inc
State: GA

Complaint narrative:
I have sent JJ Marshall Associate letters notifying them that I was a victim of identity theft and that this account is a result of the identity theft. I have asked them to send me proof that this debt belong to me and I have not received anything from them. I know that they can not produce anything because the debt is not mine and was not authorized by me. I need your assistance in getting this matter resolved.

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