vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-01-19 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Calvary XXXX XXXX received the COMPLETE debt payment in XXXX XXXX. They DID NOT give this payoff info to any of the credit bureaus. This resulted in me being UNABLE to ACQUIRE any CREDIT for the last TWO YEARS. They further lied to me and told me it was NOT their responsibility to report this payoff, and yet it was. They have INJURED my CREDIT WORTHINESS for TWO YEARS due to not properly reporting this info. 
When I spoke to someone at Calvary in XXXX XXXX, they did their best to throw me off onto trails of misinformation. Told me to call the courts, told me to call the other company, told me to call the other attorney ... a huge amount of nonsense, and days of phone calls and follow up, only to hear for the court and the attorneys that CALVARY was SUPPOSED to REPORT this PAID OFF DEBT back in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: CA

Complaint narrative:
While I could afford the standard payment schedules set with all my student loans, I decided to change as many of my loan payments plans to income-based plans. With this change, I could pay the same total monthly amount over all loans, but all allocate a greater percentage towards the principal of those with higher interest rates. When all loans are fully repaid, the total amount of all interest paid would be reduced. 

I found that some loan servicers did offered income-based alternatives and successfully restructured those with lower monthly payments. However, I believed some did not offer income-based plans since I could not find information available on their websites, including Navient. Recent articles and discussions suggest that Navient was required to have income-based alternatives available. If this is true, then I am one of those misled by Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
NationStar mortgage purchased my loan from another servicer in XXXX 2015. I have never received a mortgage statement or any other mailing from them. Shortly after XXXX 2015, I realized that the mail was going to another address in my town. This neighbor initially brought this mail to me but became so frustrated with my inability to fix the address issue that they no longer provide this misaddressed mail to me. I called NationStar for 6 months starting in XXXX 2015 through XXXX 2015 to correct the address mistake, each time they assured me it was corrected. I also sent XXXX letters to them requesting address correction, but nothing was done. I have been at the same address for 19 years and I live at the property address that the mortgage is attached to. This is probably the most frustrating customer service issue I have ever encountered in my XXXX years on this planet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-23 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: GA

Complaint narrative:
Nationstar Mortgage continuously applies my payments toward the principal of the loan against my payment instructions. I try to stay one month ahead of my mortgage and each month I make a payment towards the upcoming month. I called Nationstar on XXXX/XXXX/16 to advise them the company keep misapplying my payments. I was assured that the payments would be corrected in 5 days. Roughly 20 days later, the payments were not corrected. I called again on XXXX/XXXX/16 and was assured my payment would be updated correctly. In addition, Nationstar billed me a higher monthly payment. When I made that payment, I was told I needed to pay {$73.00} more if I wanted to have my account reflected to the correct payment date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC Mortgage made a double payment out of my escrow on XX/XX/XXXX and XX/XX/XXXX to pay for my homeowners insurance causing my escrow to go into the negative. XXXX XXXX only has a record of 1 payment posting on XX/XX/XXXX. I am now missing {$1000.00} from my escrow due to this double payment. I have notified them via their Secure Message site on XXXX and on XXXX submitted a Notice of Error on their Secure Message site by which they must respond timely as required by RESPA. As of the evening of XX/XX/XXXX, I have still received NO response from this mortgage company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Direct Recovery Services, LLC
State: UT

Complaint narrative:
Direct Recovery Services ph # XXXX XXXX XXXX reps name XXXX XXXX called me I spoke with him told him I am working with a company to consolidate my debts he just hung up on me then called my mothers phone and stated that if I do n't call him back I will be in more trouble then I ever have been in my life then he called my partners phone 4 times and my phone 4 more times I told him to cease and desist all calls and he told me I better watch out then he hung up on me

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-04-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My loan servicer was transferred from XXXX XXXX to PNC Mortgage. 
With XXXX I was able to make month-to-month payments online using my checking account. PNC provides that option but with a {$7.00} service fee. They do n't charge the same fee to pay online if I set it up to withdraw from the account on a scheduled day every month, even though it would come from the same account. 
My thoughts is that this " automatic '' payment deters people from applying extra principal on months they have it available to them, adding an extra step of inconvenience to the customer to make small additional principal payments over time. A few dollars extra here and there can reduce my mortgage interest amount significantly over time. 
However small the amount, PNC is capitalizing on human nature to not send extra payments by making it more inconvenient to decide each month what amount to pay, and making up for those that try to go this route by charging {$7.00} per transaction. There is absolutely no reason they could not except month-to-month bank transfers from a FDIC bank without charging fees. Especially when they allow the same transfers fee-free as long as they are " scheduled '' through their " Electronic Funds Transfer '' process.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
BMW XXXX Financial Services, by means of deceptive trade practices, wrongfully repossessed the vehicle from the representative of the Estate XXXX, when, I, XXXX, contacted BMW Financial to request payoff balance for the vehicle. Only until I wrote a letter to XXXX XXXX, President and Chief Executive Officer, BMW XXXX Financial Services, XXXX XXXX, did BMW XXXX Financial Services acknowledged their mistake by their misinterpretation of the XXXX XXXX Texas, Probate XXXX XXXX Estate Affidavit and Court Order for the Small Estate of XXXX XXXX XXXX. Nonetheless, XXXX XXXX XXXX wrote me back and in his letter dated XXXX XXXX, 2016 ( see attachment ), XXXX XXXX apologized for the negative experience and customer service experience that I, as the Representative of the Estate experienced. Additionally XXXX XXXX advised me the repossession fees, in the amount of {$470.00} would be reimbursed to me, XXXX XXXX XXXX the fees as I paid with certified in my name and referencing the account number of the deceased. 
However, when I received the check ( see attachment ), it was made payable to the decedent, XXXX XXXX XXXX and not myself. I wrote BMW Financial XXXX and once again I included the Probate Court Documents and further requested, by and through designated powers as being the Representative of the Estate, that the check be rewritten and made payable to : XXXX XXXX XXXX on Behalf of the decedent. As advised by my attorney previously, I have done this type of death notice and request with XXXX XXXX XXXX XXXX Bank and a few other companies holding any and all personal property of XXXX XXXX XXXX, to release such property should be transferred to the rightful Heir/Representative of the Estate of XXXX XXXX and it was successful. 
A letter dated XXXX XXXX ( see attachment ), 2016 XXXX XXXX, Special Accounts Team Leader, wrote back saying, " We are unable to send refund to anybody other than the account signers ''. 
This is in clear disregard of Texas Probate, Estate and Heirs ' property law. Among other Texas Deceptive Trade Practices law violations to issue a check to a deceased person, knowing there is NOT an XXXX Bank account as it is not necessary for XXXX Estate Administration in Texas. This is just another deceptive trade practice that BMW XXXX Financial Service has issued a refund with NO intentions or good faith of making good the fund distribution to the Estate representative for Estate settlement purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC engaged in fraud and now they are trying to get me to pay XXXX. They already ruined my credit and now they still have this charge on my credit report. When several offers came for the house, they refused the offers and the house ended up in foreclosure and being sold for a fraction of what was offered by potential buyers. I also believe the terms of my loan for the house were more onerous and higher due to being an XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17 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: INTEGRAL RECOVERIES, INC.
State: DC

Complaint narrative:
I was contacted by XXXX XXXX XXXX XXXX fromIntegral Recoveries Inc. It claims to be a collection agency representing the Colorado IRS department and states that I owe state property taxes from 2009. They have contacted me by phone twice in the last 6 months. They can not provide any details other than the amount owed. I 've never received a letter of notice from the IRS. My only communication has been through them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC.
State: TX

Complaint narrative:
I made a dispute with Equifax and it was n't the 1st time. It was the second ; I saw something else that had been sent into collections when I looked at my credit report. I actually check my credit report quite a bit. Any who, this time it was an energy company. I ended up calling this company and obtaining information from them about the fraudulent account. It ended up that the fradulent account i had disputed with them before which was a XXXX account ended up having the same address on the account. I would absolutely like this off my credit report. I 'm trying to raise my score and this is nonsense. Also i believe at the time they 're was suppose to be a temporary 3 month fraud alert in place. I hope that there is something you all can do. Thanks a lot!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: GA

Complaint narrative:
StoneGate Mortgage failed to give me credit for one of my mortgage payments. 
This was shown on my XXXX 2016 statement. It shows that the payment was received on XXXX XXXX, 2016 and then reversed. There was no reduction in my principal. I called the company and spoke with XXXX at ext. XXXX. I was told that this was an error on their part and it would be corrected. I also contacted my bank. The mortgage payment in question has cleared. 
I have just received my XXXX 2016 statement. This correction has not been made. The principal has not been reduced and the interest charged can not be correct if they calculate my interest expense from an incorrect principal.. This recent statement shows that I owe two payments..

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-24 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
My concerns involve PNC Bank. 
A transaction on my credit card was disputed with PNC. The dispute was eventually resolved by the bank fairly and in my favor. The resolution was a long time coming after being misled, deceived, and ignored by the bank for several months despite all my diligent efforts. Prior to the resolution, a status update regarding the dispute was requested using direct message on XXXX. This took place on XX/XX/2016 at XXXX. Since then communication has been interrupted by PNC on twitter. PNC informed me they would let me know why this happened in a specified timely manner. Since then I made countless phone calls, initiated other means of XXXX contact, sent online banking direct messages, sent XXXX messages, and exchanged numerous emails all with PNC. XXXX cases have been generated by PNC. They are being uncooperative with providing me with any status update on the cases.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
yes I did not receive an item from a merchant I advised my bank PNC and they issued a temporary credit but reversed it. By law if I do n't receive something even though it shows delivered to a mailbox I have rights to protect me instead of them working the case they denied my claim and I provided them with proof and claim and tracking information

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
We purchased a new vehicle through a dealership and the dealership arranged financing through PNC Bank. The purchase occurred XXXX XXXX, 2015. The first payment is due XXXX XXXX, 2015. Today is XXXX XXXX, over 3 weeks from the date of purchase and PNC Bank has not sent us a payment booklet or loan account number in the mail. I called PNC Bank today, and they have n't even begun working on the loan yet ( it 's approved, but no paperwork has happened ). They can not give me a loan number over the phone, and without this information we ca n't make a payment. We had planned to make the first payment as soon as possible, but because they are dragging their feet interest is accumulating and we ca n't pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: IL

Complaint narrative:
My mortgage company recently pulled my mortgage payment on XXXX XXXX for my XXXX payment. The company then helped themselves to another mortgage payment on XXXX XXXX without my knowledge. I called the mortgage company to see what was happening and had an unapologetic person on the phone that said they made an error and will refund the money by hopefully Monday ( XXXX XXXX ). The mortgage company successfully wiped my accounts clean and I am now borrowing money to make ends meet. I am calling my credit card companies to please not pay themselves so that I can avoid overdraft fees. 

This is unacceptable for anyone to take my hard earned money and take all my money from me.

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 2015-05-27 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: VA

Complaint narrative:
Around XXXX XXXX, I received in the mail XXXX tickets for going through a red light. I contacted XXXX XXXX XXXX XXXX Ticket Agency and was told because of XXXX ( XX/XX/XXXX-XX/XX/XXXX ) the red light cameras were defective and the tickets were dismissed. 
Recently, I checked my credit report using XXXX XXXX and I see Alliance One Receivables has placed XXXX collection accounts on my XXXX credit report on XXXX XXXX, XXXX, and XXXX XXXX, XXXX. The Alliance One Receivables collection accounts do not appear on my XXXX report. My XXXX credit score is XXXX and my XXXX credit score is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: OR

Complaint narrative:
I have previously submitted a complaint about Stearns taking principal payments, and applying them to monthly payments ( interest, escrow ). When I have asked to have them reversed ( i.e. have the money put directly to principal as I had originally instructed ), I then got a letter saying I was delinquent in payments ( as my autodraft payment was pushed back when they got my check for extra principal ). I got a response from Stearns via CFPB saying that everything was fine, I was not delinquent and I had not been reported to a credit agency. I sent another check to go to principal in XXXX, and the same thing happened- it was partially applied to a monthly payment. I called to ask them to apply it all to principal. I had to speak to a supervisor to assure that my autodraft was not messed up and that I would not again be accused of being delinquent. When I said this has happened multiple times and how do I assure payments go only to principal, I was told their payment address is a " lock box '' and it is automated, and it does n't matter what you write on it, that it is going to take it as a payment. I was given an alternate address to send principal only payments to. My question is why is this not stated in their payment instructions? Why was I not told this during my numerous conversations with Stearns before?

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 2015-04-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
When my new car was totaled, the dealership refused to acknowledge my repeated requests to cancel my Maintenance Program Upgrade Agreement for a full refund, in accordance with the terms of that contract, despite XXXX letters and XXXX emails requesting the same. The lienholder never received the refund and has sent the account to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I applied for credit and found out that there is a collection on my credit report i called the company AllianceOne Receivables Management Inc. the girl on the phone looked up the account it was for a ticket in XXXX Wa. she said all I have to do is pay the {$130.00} so I gave her my debt card number and payed it, she the said it would be reported to XXXX XXXX as soon as the payment cleared and should reflect on my credit report in 15 days this was on XXXX/XXXX/15,, on XXXX/XXXX/15 i checked the credit report to find that AllianceOne had reported to XXXX XXXX that the debt is now {$240.00} I filed a complaint with XXXX XXXX about then taking my money and now reporting it correctly, and they said AllianceOne had no recored of my making a payment and closed the report, on XXXX/XXXX/15 I got a letter from AllianceOne asking for proof of payment so i sent it to them, then a week later I called and they told me never got it so today I went down to there local office and told the girl at the counter I was having a problem with a payment she looked it up on her computer and tells me that there is no record of this payment with my bank statement showing I made the payment in her hand says I will get the supervisor to look at it,, a hour hand a half later this woman come out and tells me that the payment went to the wrong account and makes it out that it my fault they credited the wrong account and stared giving me a hard time telling me that they will get round to it and someone will call me when they figure it out?,, all 3 of the costumer services reps at the counter were very rude and were laughing and making jokes that I was stupid if i thought they cared if my account got looked, at so i snapped 2 pics to document i was there so they ca n't say we have no record of it, ,then a few hours later i get a call that i caused a a disturbance in there office and not to come back or they will call the police, the building security camera will show i did not make a scene as he stated on the phone that i did

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-04 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I was charged a monthly maintenance fee on an account that was once listed as " Free Checking ''. I never received notice of the account changing from a " free '' account to a " standard '' account - despite what the bank is saying. The new " standard '' account charges a fee of $ XXXX/mo if you do not meet certain criteria ( {$500.00} minimum balance ; {$500.00} minimum monthly deposits ; or XXXX years of age ), which my account did not meet. I did not observe this account for some time due to not needing to use it, and in that period of time I lost $ XXXX+ in fees to the bank. I tried to work with the bank in getting any of that money returned to me as no services were rendered, but I was not able to get anything from them, as they claim that the monthly fee is necessary for them to operate a dormant account.

Company response to consumer: Closed with monetary relief