BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-10
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I had a check bounce due to insufficient funds. I was charged an overdraft charge of {$36.00}. I was unable to pay the {$36.00} so they started charging me {$7.00} everyday after that. On XXXX XXXX I spoke with someone from the bank and they waived {$98.00} in fees which put the negative balance down to {$130.00}. He told me to pay what I could and to get it paid up as soon as I could so that the account can be closed. On XXXX XXXX I pay {$14.00} to bring the negative balance down to {$120.00}. Since that time I have received several calls from PNC bank and I have told them that I will pay {$60.00} on XXXX XXXX and will keep paying on the balance until it is a positive balance. Today on XXXX XXXX I have noticed that they have started to charge me the {$7.00} each day. How is XXXX supposed to pay this off when they keep doing this. I am on a fixed income and doing the best that I can to get this paid. Why ca n't they just let me pay this off and stop charging me more fees. I know that it has been over a month but I am doing the best that I can do. Please help! I have filed a complain previous to this and I thought the issue was resolved. I am reopening the case back up again.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: Direct Recovery Services, LLC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Company has been calling many different people including an old roommate from 1997. They are telling them a court case is being filed against me. They know my number, yet they are using an unfair tactic of calling my known acquaintances to embarass me. They should only call me. I tried to get them to give me the numbers they have been calling but they refused, and they also spoke to me in an abusive language.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed
Consumer complaint received 2016-11-15
Company: Ad Astra Recovery Services Inc
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from AD ASTRA RECOVERY I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against AD ASTRA RECOVERY in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have received a letter of " Notice of Pre-Foreclosure options '' form bank of America for our house on XXXX XXXX XXXX XXXX, XXXX, WA XXXX The letter requests that we " respond within 30 days or a notice of default may be issued and you may lose your home in foreclosure ''. 
Yet, the latter did not include why this letters was issued and why we may lose our home for a foreclosure. Bank of America failed to tell us know what is the problem and what action we need to take to avoid such action by them. Especially when we paid our mortgage on time every month since 2009. 
I am attaching the letter we received from Bank of America and the last mortgage statement. We here by request asking your assistance in resolving this issue and would like the bank to : 1. Specify exactly what is the problem and what we need to do to resolve. We need that in clear " English '' not in obscure lawyer language. 
2. Rescind the letter in writing. 

We also, contacted the bank today and the customer service person was not able to help and he stated that he " could not find any reason fro such letter since our payments are up-to-date ''. On top of that, he stated that he could not do anything.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: IA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Aadditional payments on my student loans are not being applied to my principle balance, but rather only being applied to interest, therefor my balance has not dropped. In 2016 I paid over {$5700.00} in interest, however my balance has dropped less then {$1000.00}. ( 2016 beginning balance approximately XXXX ending balance approximately XXXX. ) I can provide financial statements to show payments and balances.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23
Company: PNC Bank N.A.
State: KY
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I WAS ON XXXX IN THE XXXX XXXX AND XXXX, NOW PNC BANK FOR CLOSED ON A HOME THAT I OWNED. I HAD GOTTEN BEHIND DUE TO MARRIAGE SEPERATION AND WHEN THE VA SUBMITTED A LOAN MODIFICATION THE BANK DISAPPROVED. I ALSO FILED A CHAPTER XXXX AND THE COURT ISSUED A REPAYMENT PLAN WHICH WAS REFUSED BY THE BANK. I BOUGHT THE HOUSE FOR XXXX IN 2002. WHEN THE HOUSE WAS SENT TO FORCLOSURE IT WAS WORTH MORE THAN XXXX. THE LAWYERS HANDLING THE PROCESS FOR THE BANK RECEIVED MOST OF THE PROFITS BUT AS FOR A XXXX MEMBER, I WAS AWAY IN TRAINING WHEN THIS WAS HAPPENING. XXXX TOTALLY BROKE THE LAW WHEN IT COMES TO THE SOLDIERS AND SAILORS RELIEF ACT. i JUST FOUND OUT THAT I HAD A RECOURSE BUT WAS TOLD BY THE BANK AND ATTORNEY THAT I DID N'T. BOTH WERE NOT TELLING THE TRUTH. ONCE THE HOUSE WAS PUT INTO FORCLOSURE AND MY LAWYER DID NOTHING TO STOP IT. ONCE I REALIZED I HAD NOTHING OR NO ONE TO HELP ME I ASKED FOR THE CHAPTER XXXX TO BE DISMISSED. THE LAWYER WENT BEFORE THE JUDGED AND PERJURED HERSELF BY SAYING I WAS N'T IN COMPLIANCE WITH THE CHAPTER XXXX AND HAD IT DISMISSED THAT WAY. SHE TOLD ME I DID N'T NEED TO BE THERE. I FOUND OUT LATER AFTER I WENT TO COURT TO GET THE DOCUMENTATION TO VERIFY IT WAS CLOSED!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I opened a PNC Virtual Wallet account pursuant to PNC 's promotion of a {$300.00} bonus for meeting these requirements within 60 days : 1 ) establish a direct deposit totaling {$5000.00} per month ; and 2 ) make an online bill payment. I satisfied these requirements by establishing a $ XXXX monthly direct deposit on XXXX XXXX, and making a bill payment on XXXX XXXX. After 90 days, the bonus had still not posted to my account. After considerable run-around by PNC via its " Secure Message Center, '' with no explanation as to why the bonus still had not posted, escalation representative XXXX XXXX informed me that her escalation manager had concluded ( without informing me ) that the bonus had not posted because I had not made debit card transactions. She admitted that was NOT part of the promotion applicable to my account. She said she would look into this further, and communicate with me by telephone. I reiterated, as I had emphasized to her escalation manager, that I prefer communication by email or PNC 's Secure Message Center. She said those options are not possible, despite the fact that communication to date about my dispute had in fact been via email and the PNC 's Secure Message Center. She said electronic communication is not " secure '' enough. Surprised, I asked, " so PNC 's Secure Message Center is not actually secure? '' All she could say was escalation reps are not allowed to communicate in writing. PNC clearly does not want any written record of the errors it is making on my account and false promises it makes to consumers, and it continues to drag its feet on posting the promotional bonus that indisputably applies. This appears to be PNC 's pattern and practice, and PNC appears to be waiting for me to submit a complaint to the CFPB before correcting my account. Thank goodness for CFPB and its Complaint Portal, but PNC should not get to evade scrutiny by simply correcting their errors once individual consumers complain. This foot-dragging practice allows the bank to hold consumers ' money and profit from the interest " float, '' when the funds should already be in consumer 's accounts, earning interest for the consumer, not PNC. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
PNC Bank mislead me as a customer. I opened an account for {$25.00} online and I was under the impression, from what I read. that I would enrolling into the virtual wallet. Instead my {$25.00} deposit turned into - {$25.00}. I was not informed until after my credit was affected. I am very unhappy with their services. I called several times and was informed they would remove the fee and close the account. Weeks passed no call back, no closed account. Just very bad and misleading service.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX ( XXXX  an XXXX XXXX ) Account # XXXX, Amount {$320.00} has violated my rights. 

15 U.S. Code 1681 states there is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy. The consumer reporting agency shall promptly provide to the person who provided the information in dispute all relevant information regarding the dispute that is received by the agency from the consumer or the reseller after the period referred to in subparagraph ( A ) and before the end of the period referred to in paragraph ( 1 ) ( A ). ( C ) Limitations on extension of period to reinvestigate Subparagraph ( B ) shall not apply to any reinvestigation in which, during the 30-day period described in subparagraph ( A ), the information that is the subject of the reinvestigation is found to be inaccurate or incomplete or the consumer reporting agency determines that the information can not be verified.

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 2015-08-01
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Since PNC purchased my Mortgage note, I have had nothing but problems logging in their website to check where my account is at. Their EST hours make it difficult for me to contact their support. I get no paper statements, they charge me for online mortgage payments ( my other lender did not ). Nothing but problems.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09
Company: Augusta Collection Agency, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Augusta collection agency has been threatening to arrest me because of a past due medical bill. They stated that they would send the sheriff to my job. Under distress, I signed a payment agreement that I would pay them XXXX dollars a month and I would pay the remaining balance in XXXX if I received a tax return. I only received XXXX dollars on my Federal return and I owe the state XXXX and they are threatening to sue me if I do not let them have my tax return information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-30
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
My parents died without a will. Their home has been vacant for over 10 years. My siblings and I pay the taxes on the home but have not been able to get information on what is owed on the house from PNC Bank. At the time of my fathers death there was an installment loan to National City Bank of {$28000.00} I have contacted PNC ( they took over National City 's accounts ) to have them find out about this loan. I was advised to get an attorney which I can not afford. We need to know what is owed on the house. Can you assist us?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: Alliance One, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid my court debt in full onXX/XX/XXXX, prior to Alliance one garnishing my wages. On XX/XX/XXXX Alliance One issued the garnishment order and deducted wages until XX/XX/XXXX. Total overpayment amount {$790.00} I asked them to refund the overpayment. They did n't. XX/XX/XXXX they said they would transfer the overpayment to another case I am paying on. They still have not transferred the overpayment. Each time I make a payment ( monthly ) I ask them for my balance. They have not resolved the overpayment.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Stearns Ventures, LLC
State: TX
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/2016 I was granted a XXXX Veteran Property Tax Exemption by the State of Texas, that was backdated to take effect XX/XX/2016. At that point, every month, my property taxes were being drafted with my mortgage & insurance. As soon as the XXXX exemption was approved I started going through the process of refunding all property taxes that had been paid for the year XX/XX/2016 and to have them stop escrow payments going forward for future property taxes, as I am exempt. At some point in XX/XX/XXXX, I was told I would need to call back in XX/XX/XXXX to check on the status. In XX/XX/XXXX I was told they had no information and I would need to re submit all the documentation again an start over. I have been calling them every other week to check on the status of my refund and cancellation of further tax escrow. They have told me I need to call because they are unable and not allowed to contact me, unless I owe them money. Today, the again acknowledged that I do not have to pay property taxes, and that they owe me a nearly {$8000.00} refund. But they have no answers for me on when and how that will happen. They again tell me that they will stop the monthly draft for tax escrow payments, but this has been ongoing for 6 months now, and they are still taking money for property taxes that I do not have to pay. I am told every time I call that they are going to notate the information, pass it up the chain, and make sure it is taken are of. Every time I call they say the same thing. I ask them to call me to keep me updated and they tell me they do not contact customers. Then, like clockwork, I receive my monthly mortgage statement that includes a property tax escrow payment.

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 2016-07-20
Company: MOHELA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
On XXXX XXXX, 2016, I contacted MOHELA because I logged into my online account and suddenly saw a very large accrued interest balance. I had been paying what had been displayed on their site as the accrued interest even though my payment was {$0.00}, due to a partial financial hardship. The amount was pretty consistent, as reflected by my payment history, so I assumed it was correct. I was under the assumption that, having paid the accrued interest while my payment was {$0.00}, I would not owe any interest, so of course I was surprised to see this large number. The person I spoke with, XXXX, volunteered to file a complaint for me, but I never heard anything. 
Today, I contacted them again about a separate issue, and tried to resolve this issue as well. I spoke with someone named XXXX, who was very condescending but ultimately managed to explain the issue of the day. He did not know, however, how their computer system allocates a payment to the loans if your payment is {$0.00}, which troubles me. So my complaint is XXXX in this case : 1. Why was their online system displaying an incorrect amount of accrued interest for most of last year? 
2. Why are n't payments applied in some logical way to interest first and then principal or however they 're supposed to be applied? 
3. What good does it do for them to file a complaint with the DoE or wherever, if it just goes into the ether and I never hear back about it?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I filed a dispute with my pnc bank after I was charged for a hotel room that i canceled. I received a e mail with a cancelation code also.what I now belive happened was I was online booking my room and put in all my info credit card number name everything and waited for it to process and give me my confirmation information/ number.and it took a minute or so and went back to the main screen that I started on with none of my info in it. So I put all my information in it again put in for the same style room and requested top / high floor again exactly as I did 2 minutes before .I summit 's it and got my confirmation info within seconds .I received a e mail also with my hotel info .it has stated I had XXXX room reserved on XXXX XXXX .on XXXX XXXX I went on hotel webite and canceled my reservation for my room.I received a e mail also stating that my room is cancelled and with a cancellation number.I ended up staying in another quality suites on XXXX XXXX that was near the XXXX I canceled.but did't make that reservation untill XXXX the night of the stay. On Sunday XXXX XXXX I seen on my virual wallet bank app that I was charged {$160.00} for the room I cancelled. I called the hotel directly at XXXX and told them the situation they told me I had XXXX rooms under my name that XXXX was cancelled and XXXX was a no show. XXXX of the exact same rooms booked XXXX minutes apart.i expained I did't book XXXX rooms only the XXXX and I canceled it 5 days before my arrival date. They told me to call the XXXX number and they Can help me I was on phone for over a hour and got transferred to XXXX different people the last person being some kind of supervisor she told me that there was nothing she could do because it showed in their system that I had XXXX rooms booked and only XXXX was cancelled. She told me the date and time I made the reservations and the time was literally XXXX minutes apart. I explained that their reservation page timed out or freezed up not sure what happened but didt process the first time I tried making the reservation but did not receive a confirmation number or anything just went back to the main screen .So I did it all over again and got my hotel summary for the XXXX room and had to idea that the first room was ever booked .I did't receive a e mail for XXXX rooms only the XXXX .anyway she said she couldt refund it .So I went to pnc bank the next day Monday XXXX XXXX and filled the dispute. I sent in all the documents and info I thought would help but 6 weeks later I got a letter stating that the bank was going to take {$160.00} out of my account the next day on XXXX XXXX. It was send out the XXXX of XXXX but by the time I received it in the mail it was already the XXXX so I had a 7 hour warning of them pulling the funds out. As of now the funds are back out of my account. The dispute division said that they consider this case closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-20
Company: BMW Financial Services NA, LLC
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Good Morning, I have disputed my pay history with both BMW Financial & all XXXX CRA 's. I 've asked BMW to correct their reporting of 30 day lates that are reporting on my credit. I 've included my pay history with BMW as you 'll see I have never been 30 days late. I have been 28 sometimes 29 days late but never 30 days. If you review the pay history in XXXX I have paid in the same fashion with no penalty to my credit history. My original due date was the the XXXX of each month, I leased the vehicle in XXXX/XXXX/XXXX as you can see from my pay history I have never had a payment post on the XXXX of any month. I had the payment date changed in XXXX of XXXX for the XXXX of each month, once again I never had a payment post on the XXXX. XXXX has me 30 days late on the XXXX & XXXX of the month when my payment would be 28 days late. Please review the documents thank you for help : - )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-22
Company: Bridgecrest Acceptance Corporation
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
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