vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I purchased a new home and the loan servicing is being provided by PNC Bank. 

I was only able to put down 10 % to close on this home because I had to close on my existing home. My existing home closed and I was ready to put another 10 % down on this home. However, my loan was sold and in limbo for a few weeks. 

Once I received information on how to contact PNC, I contacted them in late XXXX. However, they told me they could not help me until after XXXX. I called back around XXXX asking how I get online access to may a principle payment. They needed to mail me a PIN. After about a week, I called back because I had not received it. After much back and forth, I finally got access because they were able to give me a PIN on the telephone call. Why was that not offered the first time? 

After I got online access, I did not see a way to make a principle payment. After speaking with someone, that option is only available to those consumers with a deposit account with PNC and not something I can do with just a mortgage. Why does PNC prohibit a principle payment option to any mortgage customer? The principle payment is for mortgage customers. Why do I need additional relationships with PNC to have this functionality? 

In mid XXXX was able to make additional payments to PNC to bring my loan balance under the 80 % threshold. Now, on XX/XX/XXXX, they tell me they still have not completed a review of my account to have the PMI removed. 

PMI is something that is absolutely necessary. However, the removal process should be simple and easy for consumers. No one should have to jump through hoops and wait weeks for a review. It is unacceptable PNC Bank makes it hard to get online access, make principle payments and have such a delay from request to decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit card or prepaid card — General-purpose prepaid card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: AMERICAN EXPRESS COMPANY
State: MI

Complaint narrative:
On XX/XX/XXXX, I purchased an American Express Serve card from the XXXX XXXX, in XXXX, Michigan. The amount I put on the card was {$260.00} to pay my XXXX bill. The transaction went through but the money was never loaded on my card. I contacted American Express that following XX/XX/XXXX. Since then, American Express has been giving me the run around. I'm going through a lot of mental anguish trying to get this resolved. Worrying about my cable and internet getting shut off. I tried to be as patient as I could but it's come down to me contacting you. Thank you for the time and effort that you will put forth in helping me get this resolved.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Sued you without properly notifying you of lawsuit
Company: Resurgent Capital Services L.P.
State: NJ

Complaint narrative:
I received no phone calls nor any letters with proof of myself being the owner of the original card, all I received was a legal notice stating I was being sued for an amount of {$1000.00} on XX/XX/2019. 
I responded immediately via email to LVNV Funding ( resurgent ) asking for proof and have not received anything. I then mailed a letter to the lawfirm suing me again asking for proof on XX/XX/2019. Still nothing, however a pending lawsuit over my head being that I am a federal law enforcement officer is something I do not need since I have never had a credit card with a limit of {$1000.00} for over 20 years and especially not with this original creditor. 
I do know this company is being sued in a class action suit for fraud so I want these criminals stopped.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Vehicle loan or lease — Loan
Issue: Managing the loan or lease — Billing problem
Company: FIFTH THIRD FINANCIAL CORPORATION
State: TX

Complaint narrative:
I have a motorcycle loan with Fifth Third Bank and recieved a call on XX/XX/XXXX about a late payment even though I have never recieved ANY mail, loan docs, or payment request from them. On XX/XX/XXXX I paid two months ( XXXX and XXXX ) and put my account on autopay. On XX/XX/XXXX I get a notice my credit score has changed - I look via my Platnium XXXX XXXX view and it shows a deliquency from Fifth Third Bank yet I have recieved NO letters from them alerting me of this and only ONE missed call from them on the XXXX. They made almost zero effort to alert me of this situation which was a measly {$100.00} payment. Today XX/XX/XXXX I called them and they show my autopay is setup but the payments did not go through and they can not do anything about the deliquency. I paid 5 months at once today to bring my account two months ahead and rescheduled autopay. Fifth Third made no apoligies and no effort to rectify this situation. My credit history is impeccible with zero late payments in the 15 years I have had it established and now I have a deliquency on my account due to Fifth Thirds lack of communicaiton. Again, I have not recieved a single piece of mail from them and do not even have copies of my loan documents. 

I would like to have any negative marks removed from my credit history. Please let me know how this can be accomplished.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: OH

Complaint narrative:
Today, XX/XX/2020, I checked my credit report and noticed a new collection account had been placed on my credit report. The original creditor is XXXX XXXX, collection company is XXXX XXXX. Account number XXXX for the amount of {$290.00}. I have no knowledge of ever opening any accounts with XXXX XXXX and I have had this issue once before as a result of identity theft. Last year XXXX XXXX reported on my credit file and I sent my identity theft report to each credit bureau and the collection was removed. Once again XXXX XXXX is reporting on my credit reports as a result of them selling this fraudulent account to XXXX XXXX which also reaged this account. I have no knowledge of this account and is a result of Identity Theft. I have notified each credit reporting agency as a result. Along with this complaint I have attached my FTC Identity Theft Report, FCRA 605b, letter to Experian, Credit Report, Drivers license, and social security card.

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 non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Executive Credit Management, Inc
State: PA

Complaint narrative:
Executive Credit Management , Inc., XXXX XXXX XXXX, XXXX XXXX, XXXX, NJ XXXX sent a collection letter to my home for my daughters father. I called them to find out what this was about. They were very aggressive and rude on the phone and insisted that I owe for this debt. The woman on the phone wouldn't let me speak so I hung up. I immediately wrote a letter disputing the debt and notifying them of the address they should be mailing. Months later they sent me another letter, to my daughters father, stating that again, I owe this money. They are going to sue me. They are going to put a lien on everything I have, they will make me pay for their attorney fees and litigation costs. They are harassing me. This is not okay.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Need information about your loan balance or loan terms
Company: Navient Solutions, LLC.

Complaint narrative:
Today is in XX/XX/XXXX I have done my annual financial review and noticed now my loans were not decreasing as much as expected. I took a series of 3 loans from Sallie Mae for a total of {$25000.00} to pay for my university education where I received a masters in physics. 

According to Navient I have {$15000.00} outstanding with a range of interests from 6.5 to 7.38 %. These were originally under 6 % but have been climbing steadily over the last years. 

I have been making monthly payments of currently {$250.00} but back in XX/XX/XXXX it was closer to {$320.00} per month. 

My balance is tracked and recorded by myself regularly but just for this complaint I will take the numbers from XX/XX/XXXX where the balance was {$21000.00}. The loan interest on these per month would be {$100.00} down to {$91.00} over this period. Despite having a large principle drop adding up to {$5400.00} the rate has increased and the overall interest is nearly flat despite such a large decrease. 

Over a 36 month period I see {$150.00} per month on average applied to the loan principle per month. 

There is also a {$17.00} per month fee. 

The complaint!!! 
Why does my account have such a massive fee? This will add up to over {$3000.00} in fees over the multi year lifetime of my loan, additionally the fee means my payment will not apply to the interest and cost me much more than the fee itself over the lifetime of the loan. I have asked repeatedly about this and gotten no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage — 
Company: Sovereign Lending Group, Incorporated
State: TN

Complaint narrative:
XX/XX/XXXX I made a phone call to complain about the mortgage company running my credit without my person. I was connected to a manager as I was made to understand. 

I started to explain my issue to the " manager '' but they kept interrupting me ... at one point when I told them the issue I have heard with my credit because of the multiple inquiries he said " Because your credit is really low? '' after they made the comment they said I was difficult to help and hanged up. 

That statement was hurtful and made me feel discriminated based on my credit and my origin because I happen to have an accent.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL

Complaint narrative:
The bureau is reporting an account for XXXX XXXX as closed/ charged off that does not belong to me and it's affecting my ability to obtain new credit. I have disputed this account already months ago to no avail.

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 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC.
State: FL

Complaint narrative:
The bureau is reporting an account for XXXX XXXX as closed/ charged off that does not belong to me and it's affecting my ability to obtain new credit. I have disputed this account already months ago to no avail.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Midwest Recovery Systems
State: OH

Complaint narrative:
Got a call from Midwest Recovery Systems XXXX spoke to XXXX on XX/XX/XXXX at XXXX EST about a debt that appeared on my credit report on XX/XX/XXXX. He stated it was from a loan from XXXX XXXX XXXX from XX/XX/XXXX via XXXX XXXX of XXXX Florida for {$5000.00}. Stated that I owed {$7900.00} on the loan. I live in Ohio and have never opened any accounts in Florida he stated I needed to file a police report and he would send the documentation over to me. I never received anything from him or anyone else. I monitor my credit report closely and this has never been on any reports. I found there are over 600 complaints in the last three years similar to this against this company which has resulted in the XXXX revoking their Accreditation. While I will still file a police report I also wanted to file a complaint with CFPB as I am sure there are others dealing with this same scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: AES/PHEAA
State: VA

Complaint narrative:
I have turned in several applications : XXXX forgiveness, Obama, and Public Loan Service forgiveness. All of which have been sitting on someones desk, not processed. I was told so many excuses but the truth and what was given to me- that was " your loan is forgiven ''. I even applied Temporary Expanded Public Service Loan Forgiveness. What I got was XX/XX/XXXX-XX/XX/XXXX more payments and for them to tell me to refinance and they do not know what to do was the response I got. Fedloan says that my age of account is 5 years 3months, but that is incorrect. I have never refinanced nor did I get a loan from them 5 years 3 months. This company has ruined my credit and life.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: AES/PHEAA
State: PA

Complaint narrative:
I have been right on time and paying more the what my payment is on my student loan every month. I paid {$90.00} to American education services XX/XX/XXXX. No they are demanding I pay {$280.00} XX/XX/XXXX and I just got a noticed that I had to pay XXXX by XX/XX/XXXX!!! What kind of XXXX is that! Thats over {$400.00}! I can not believe they are trying to scam more money from me. If this is not resolved I will be getting a lawyer. They contacted me way to late and are asking for separate payments way to close together.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
THE ACCOUNTS BEING DISPUTED DOES NOT RELATE TO ANY AUTHORIZED TRANSACTIONS MADE BY ME. THOSE ACCOUNTS ARE REPORTING INACCURATELY AND I WOULD LIKE TO HAVE THEM REMOVED OFF MY CREDIT. I HAVE BEEN FIGHTING FOR THOSE INACCURATE AND DEROGATORY ACCOUNTS TO BE OFF MY CREDIT FILE. THEY HAVE CAUSED SERIOUS DAMAGE AND IT HAS NOW BEEN HARD TO ACQUIRE NEW CREDIT DUE TO THE DEROGATORY ACCOUNTS STILL REPORTING. PLEASE INVESTIGATE THOSE ACCOUNTS AND HAVE THEM OFF MY CREDIT FILE FOR I AM NOT LIABLE TO THEM.

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 non-monetary relief
Consumer complaint received 2020-01-03 00:00:00
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc.
State: NY

Complaint narrative:
XXXX bill for XXXX I never had any XXXX product

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 2020-01-03 00:00:00
Product: Mortgage — Other type of mortgage
Issue: Trouble during payment process — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
My name is XXXX XXXX and the purpose of this complaint is in regards to PNC Bank commercial mortgages. Under the promise of a better banking experience, I refinanced my commercial office condo loan with PNC in the fall of XX/XX/2018. I did so, because my first lender failed to provide sufficient online access to my mortgage information. I worked with a specific banker, XXXX XXXX, who promised me, that by moving the mortgage to PNC, that I would have online access to statements, along with complete mortgage transaction history. This was important to me, because, as I shared with her, my goal was to pay off this mortgage early. The experience with PNC has been the opposite of what was promised. Not only are there no online statements available, nor any online transaction history, PNC doesn't even mail a monthly statement on this mortgage. Due to the poor experience, I'm in the process of changing over to XXXX XXXX for all my business banking. And I wanted to refinance my mortgage with XXXX as well. That's when I ran into the worst of all the PNC surprises. Although I specifically addressed with XXXX XXXX, my desire to have no early pre-payment penalties, she managed to sneak that language into my mortgage contract. To me, resolution is simple : eliminate the immoral pre-payment penalty on the office condo mortgage and permit me to transfer out my office condo mortgage to XXXX, a bank which appears able to fulfill its promises more than PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: Sterling & Associates, LLC
State: GA

Complaint narrative:
I had spoken with Sterling and Associates before I started working at this company that I work at currently. Somehow they got my phone number as I did not give it to them. I told them that I did not give them my phone number voluntarily and they said they knew that I did not. I would like for this company to not contact me at my place of employment.

Company response to consumer: Untimely response
Consumer complaint received 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: LoanCare, LLC
State: AL

Complaint narrative:
I have tried to resolve this through several emails and calls with the MyLoanCare, with varying support and guidance each time I connected with the company ( i.e. request an escrow analysis, open the tax line, provide certain documentation, etc. ). I work for a bank and often handle CFPB requests ( for a different product ) so I'm only writing this complaint as a last resort. 

When my taxes were paid in XX/XX/XXXX it was at the non-homestead rate, approximately {$8500.00}. That amount was correct, as we did not have the homestead exemption for that year. I am NOT contesting the tax payment that was made in XX/XX/XXXX. However, when we refinanced our home ( this loan was then sold to MyLoanCare for servicing ) in XX/XX/XXXX, we were then able to successfully file for homestead on this property. This exemption effectively reduces our tax bill to approximately {$4200.00}. 

I provided the required documentation to MyLoanCare including the homestead approval, deed to the house, and tax assessor assessment record. I have attached that documentation to this complaint. My remaining issues are : 1 ) The estimated tax disbursement is FINALLY reflecting the {$4200.00} payment. However, the corresponding escrow amount is still accruing to the {$8500.00} rate ( actually higher, see issue 2 below ). This is resulting in an over-accrual for the tax disbursement that will occur inXX/XX/XXXX. 

2 ) When an escrow analysis was completed ( either per a request I filed or per usual company procedures ), it projected a shortfall of {$2.00} for the year. First, this analysis was done using the higher {$8500.00} rate. Second, the company has increased my payment by approximately $ 50/mo, or {$600.00} for the year, to cover this projected shortfall.

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 2020-01-03 00:00:00
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Mr. Cooper Group Inc.
State: TX

Complaint narrative:
I electronically submitted an additional {$1000.00} escrow payment with my XX/XX/20 payment to my mortgage servicing company. The {$1000.00} was not applied to my escrow balance. Spoke to company. They found a record indicating I submitted the payment and said it would be applied it to my account in 24-48 hours.  However, they had no idea how this happened. Asked to speak with someone who could address this issue and was told there wasn't anyone to talk to about this. Since I don't have a choice as to which mortgage servicing company I work with, how I am supposed to trust them with my money?? The bigger concern is has this happened to others that aren't even aware??

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-03 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: AES/PHEAA
State: TX

Complaint narrative:
I recently left school and applied for an income continent based repayment plan. I submitted three applications and each time FedLoan Servicing put me on a standard repayment plan with monthly payments of {$1000.00} which is almost half of my monthly income. I have called, written and submitted requests for the income contingent plan and they refused to acknowledge the applications. Today, FedLoan told me if I paid them {$5.00} they would consider putting me on an income contingent plan. They transferred me and I was on hold for one hour when I gave up. I requested a call back with their system and that also put me on hold. 

The FedLoan Service is violating the law by forcing me to pay for an income contingent plan. Further they will not respond either by phone, mail or online to my repeated requests and applications for the income contingent plan. I told them it was illegal to charge me and they said if I don't pay them {$5.00} they will keep me on the standard plan with a monthly payment of {$1000.00} for the next 25 years.

Company response to consumer: Closed with explanation