BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-09-15
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have a account with XXXX other pnc users but after alittle while i noticed money missing i ask the XXXX pnc users and the said money has disappeared and when we look it up online it shows where it has bin tltaken out but it doesnt show witch card number i had atleast XXXX dollars in this card and for it just to be gone and not able to do anything is outrageous can u help please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/2016 we made a deposit to our checking account through the ATM that should have covered another check we knew we would be writing later that day. Our deposit slip from the local ATM branch DOES NOT state funds will be withheld or not immediately available at the bottom. The following day, I have an overdraft fee on my account that I can not understand. Online banking register shows the deposit being made several line items BELOW where the other check was processed, yet I am charged. Both transaction dates state XX/XX/2016 online and deposits are considered before withdrawals. In speaking with a bank rep over the phone, I am informed that online banking will display deposits on the date they are initiated and NOT necessarily when they are available. He offered to mail me a pamphlet explaining PNC deposit policy. My complaint? If PNC would instead make it crystal clear to their customers by displaying these deposit transactions by the processing or availability date instead of the initiation date ( most people know when they make deposits anyway ) many customers would then be able to correct these issues or modify their deposit methods. They could also consider displaying the " These funds are not immediately available '' clause at the bottom of ALL printed receipts instead of a select few further confusing the customer ... of course, PNC would lose money ... so ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: PNC Bank N.A.
State: IL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I have a home equity line of credit with PNC BANK ending number XXXX. I filed bankruptcy in 2009 and this debt was discharged in the bankruptcy. However, they are still on the lien of my property. I realize this, and I wanted to offer a one time settlement to resolve this issue. I called PNC and received a settlement package, and submitted all the necessary documents. My settlement offer was declined with a reason DOES NOT QUALIFY. I understand I do not qualify, but there is NO REASON given to me, WHY I DO NOT QUALIFY. I am attaching the ambiguous letter I have received. After XXXX conversations with the representative at XXXX XXXX XXXX XXXX x XXXX XXXX XXXX XXXX, she can not provide me with reason with what DOES NOT QUALIFY mean. Evidently it is not any of the reasons that are listed on the letter. I just DO NOT QUALIFY for any reason no one knows. I want to know specifically WHY I DO NOT QUALIFY. This is too general of a reason they have given. Perhaps my investor/OWNER OF MY LOAN does not do settlements, therefore, they should never have sent me a settlement package and let me know immediately this. I am left with no workout options, because I do not want to sell my house or do a deed in lieu. Could you help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: CONTRACT CALLERS INC
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by letter from Contract Callers, a debt collection agency, regarding a balance I owed to XXXX gas. The balance due was {$400.00} The letter was a settlement offer. They offered me to pay {$200.00} and my debt would be considered settled in full. I spoke to XXXX XXXX and was assured if I paid the {$200.00}, I would owe nothing else on this bill. A month after paying I received a collection letter from another agency for the remaining {$200.00}. XXXX XXXX told me my account was still open for the {$200.00} balance. I called Contract Callers and was told that my debt was only settled with them, not with XXXX XXXX - that all that happened by me paying the {$200.00} was that I was no longer in collection. My account had not been settled with XXXX XXXX and I still owed that money. They would not send me a copy of the letter I received stating that my account would be settled in full so I could have proof of the exact wording that was used. And I was told that it should have been explained better to me and that the woman I spoke to when I paid should not have told me my I would owe nothing else on this bill.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2017-04-28
Company: FC HoldCo LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
My car was stolen on  XXXX / XXXX / XXXX  it was reported by th e NYPD since  it was in there possession due to an alleged dwi arrest on  XXXX / XXXX / XXXX  I was notified by the bank on  XXXX / XXXX / XXXX  that it was reported stolen the  NYPD never n otified me I had already retained an attorney  XXXX   XXXX  to have the car released unaware that it had been stolen. I went to the precinct that seized my car on  XXXX / XXXX / XXXX  they gave me all the paperwork to have my plates reported stolen  at NYS DMV  I did that I reported it to the insurance on  XXXX / XXXX / XXXX  I called the bank flagship credit acceptance and advised them that it was in fact stolen. I have been called twice by  XXXX  a supervisor at flagship stating I stole the car to return it or I had to pay {$2000.00} to have them find it and once they recover the car they will sell it and terminate my loan as non payment. I have been making my payments monthly from  XXXX  and still making them since the insurance company refused to cover the lost because t he NYPD is responsi ble so my attorney  XXXX   XXXX  has already file suit against t he NYPD for the co st of the car. If I have to continue paying the monthly loan payment I understand and will payoff the loan when we are awarded the money from the city but what I do n't understand is flagships harassing business practices the threats and accusations when I have done everything and have proof of what happened to the car.

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 2015-05-18
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
A review of my morgage account activity was conducted on XX/XX/XXXX. It was discovered that {$230.00} has been paid from my escrow account as XX/XX/XXXX and XX/XX/XXXX monthly private mortgage insurance premium. Upon verifying loan documents provided at settlement signed XX/XX/XXXX ; monthly PMI premiums should be {$51.00}. PNC Mortgage has not provided any form or correspondence explaining the PMI monthly premium change and has repeatedly declined to discuss this issue with me. THIS IS NOT A DUPLICATE OF CFPB CASE # XXXX. THIS IS A DIFFERENT ISSUE REGARDING A DIFFERENT LOAN NUMBER.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: Profit Services Group
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
The Profit Service Group called my cell and work phone around XXXX XXXX XXXX. I immediately faxed a cease contact letter to the company. I received an email notice that the fax was transmitted to their office at XXXX. Then on XXXX XXXX @ XXXX the company called my cell again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-31
Company: STERLING JEWELERS, INC.
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Kay jeweler has contacted family and called in to my companies call center to get information. They have called me up to XXXX times a day from different phone No. I have asked them to stop contacting me several times and have made small payments on my account but they still harass me.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: PNC Bank N.A.
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I used my debit card over the weekend and those charges were deducted from my balance. I checked my account on Tuesday, XXXX XXXX and the charges posted to my account but were also in pending. They charged me XXXX NSF fees for the pending charges which had already been deducted from my account. I tried talking with XXXX different representatives from PNC and they neither one seemed willing to help me check into it or resolve the issue. They told me that I had a refund already from back in XXXX 2015 which was from an error in a fee PNC could not explain except that it was charged in error and they would correct it. This should not count against me. There seems to be something weird going on with how they charge fees. I do not think {$140.00} in fees for something they ca n't even explain to me is fair at all.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Tried to change password on my PNC Mortgage Account. Received email saying psw was changed. Tried to access account using new password - got " SYSTEM ERROR '' message. Tired to contact PNC Mortgage using the following number : Please contact our Customer Service & Support if you need further assistance. Call Center XXXX === Called the above number and all I heard were solicitations for medical devices and XXXX offers ... Tried to " XXXX '' out, but nothing worked. I have had my mortgage with PNC for over 6 years. This is terrible customer service! This should not be allowed! 
=== Tried to reset PSW and received email PSW was changed. Tried to logon with it. Got the same error : " SYSTEM ERROR '' I understand security is important but I spent over 45 minutes trying to access my account!!! I feel PNC should compensate me for my time! 

I will be finding a new bank for my mortgage. Terrible customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: PNC Bank N.A.
State: MO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have owned my home in XXXX, MO for close to 7 years. I took out an FHA mortgage loan through PNC Bank to buy the property. I have run into some financial difficulties in the past year and have missed some mortgage payments. I am filing this complaint because PNC Bank has been difficult to deal with, has not given me requested information, has not completed reviews and seems to be purposely trying to stop me from getting reviewed for government programs. The only option they are providing is to reinstate the full past due amount which is now close to {$7000.00}. I am not able to do this and believe there are other options available, but PNC Bank is saying there is nothing I can do except make the full payment or they will foreclose. 

I began struggling financially a few years ago. I am a XXXX, and when there are jobs the pay is very good. But there was a period where they jobs were few and far between and I began using all of my reserves to keep up with the mortgage loan. In that same time frame my brother passed away and this was a financial and emotional burden and put me in a deeper hole. I reached out to the agents at PNC at that time to see if I could be considered for any type of assistance and it was a very difficult process. I submitted the same documents over and over and seemed to get no traction with PNC and was eventually told that I did not qualify for any help. 

I continued paying as agreed, but last year when I had some down time from work again there was no money left to pay the mortgage payment and I fell behind. I could not make any progress with PNC so I began working with a third party to attempt to get some type of resolution. I was told again that I do not qualify for help. I asked for a solution and was told that I had to pay the full past due balance, PNC would not accept a regular mortgage payment from me. 

Now I am getting harassing letters from PNC Bank stating I will be going into foreclosure if I do n't reinstate the loan. However, I know there are MANY programs available for homeowners with FHA loans that would give me the chance to save my home -- modification, forbearance agreement, partial claim, repayment plan etc. I am not that far behind and I make a pretty good living -- I just ca n't understand how there are no possible programs that I qualify for? It just does not make sense. PNC Bank did not issue a written denial detailing what programs I was reviewed for and why I supposedly " do not qualify. '' Additionally, they repeatedly scrutinized the documents that were submitted and made me submit and resubmit over and over and made me feel like I had to jump through hoops to even get the time of day from them. 

I have put a lot of money and sweat equity into my home and do not want to lose it and want PNC Bank to work with me.

Company response to consumer: Closed
Consumer complaint received 2017-02-10
Company: STONEGATE MORTGAGE CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company unfairly and with intent withholding our escrow overage due to us since XXXX 2016 escrow analysis.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-03
Company: American Financial Credit Services, Inc.
State: IN
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I asked this company to verify that this was my debt and when the date of the debt took place and they could not verify any of these. They sent a short letter with no information asking of ways to repay this debt without verifying any of the information I had asked. Date, date of birth, copies from original debt. Then they attempted to make harassing calls towards me in the evening past XXXX stating they would have me arrested if a payment was not made. Still they could not verify any information by sending me copies

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Jersey Mortgage Company of New Jersey, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Two ( 2 ) working days before my closing date, my Mortgage Lender, Jersey Mortgage Company, changed my interest rate from 3.625 % to 5.125 %. I requested a complete verification of such impacting change ( over $ XXXX over the course of the loan ). But Mortgage Lender was not willing to correct the issues. Only a small credit was issue ( {$690.00} ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: PNC Bank N.A.
State: OH
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I used a down payment assistance program through the city of XXXX XXXX that is underwritten by PNC bank. The loan is incredibly difficult to service. I had been using online bill pay to pay it, but they stopped sending me a monthly statement because they said I was paying to early. I then switched the payment date to a later date and started getting late payment charges. Every time I call to get service or complain they ca n't find the loan in the system and it usually takes 30+ minutes. Recently, I 've been forced to make payments on the phone because they do n't allow online payment of this loan. They then try to charge me a fee for paying over the phone to which I reply that they do n't give me any other option. Also, the only way I know what my remaining balance is is to call, which again takes 30+ minutes usually to find the loan. My statements do not include any information on how much of my payment is principal or interest. This has caused me extreme frustration and unnecessary fees because they have made it so difficult to service the loan or get any information about it. I 've tried going to different branches and none have ever been able to locate the loan and pay it. I 'm further concerned when the loan is paid off, they will forget to release any liens because they have n't demonstrated an ability to adequately service the loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: CITIBANK, N.A.
State: WY
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I received a letter dated XX/XX/2017 from Citi, XXXX XXXX XXXX, XXXX, OR XXXX, that indicated I previously enrolled in Citi IdentityMonitor offered by Citibank N.A., and I was charged a monthly fee. I believe that I was enrolled without my consent or knowledge, and when I attempted to go to the link referenced in the letter ( XXXX ) it did n't work. The letter tells me to submit a claim before XX/XX/2017 and enter reference number XXXX to get started ; and the letter states that submitting a claim does n't guarantee a refund. It also states that additional information is available at XXXX. The bottom of the letter references a Tracking Number : XXXX.

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 2015-12-05
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
This is the WORST bank everWhen I went to open a new checking account with PNC Bank, the bank being made very attractive advertising and they are very polite when you began to open a new bank account, giving a blank application documents and check ID after that just want you signature on blank application form without remind related cost or fee, that is the problem is the nightmare began, In generally different banks when using ATM card withdrawals will charge fee is currently the bank system business, but PNC bank charge a lot of fee with too high too expensive compared with other banks, if you go withdrawals cash with non PNC ATM machine the charge will be for example : cash out amount of $ XXXX {$27.00} ( fee {$7.00} ) if you just look balance before withdrawals will charge additional fee {$3.00}, so total will be charge {$10.00} for just XXXX cash withdrawals, plus Service Charge monthly fee {$10.00} and account maintenance charge {$12.00}, all these costs they are not given detail information when you open new account, I have been cheated feeling .... 
Extremely disappointed with PNC

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Billing disputes

Complaint:
Besides closing my account without informing me, CAPITAL ONE put charges on my account which I never made. I never had overdraft protection, but balance showing now is {$1100.00} instead of {$700.00}. I contacted them a lot of times, but they just keep ignoring me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-22
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Fed Loan Servicing did not tell me about the REPAYE program for over 9 months after its existence, and after I had already submitted renewal forms for another repayment program that they recommended. This cost me {$4100.00} in extra payments. The transfer process ( into the REPAYE program ) was done with errors on their part, costing me {$4000.00}. Fed Loan Servicing says that I " should have known ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: BMW Financial Services NA, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a XXXX BMW and due to all my expenses and paycuts I had to file bankruptcy. I spoke to them in XXXX XXXX about this. On XXXX XXXX/XXXX/XXXX my Bankruptcy was filed with the XXXX XXXX XXXX Court. On XXXX/XXXX/XXXX in disregard and violation of the Bankruptcy Protection they repossessed my car. I told my attorney. On XXXX/XXXX/XXXX my Chapter XXXX bankruptcy was discharged. BMW reported late payments in XXXX, XXXX, XXXX, XXXX XXXX in violation of the bankruptcy injunction with all XXXX credit bureaus XXXX. I was under bankruptcy chapter XXXX Protection and they proceeded with their collection activities. BMW has refused to correct my credit report history with the 3 Credit Bureau. This applies to both myself and my husband XXXX XXXX that filed separately. He filed on XXXX and discharge is scheduled XX/XX/XXXX.They should be showing the balance as -XXXX- and they are not in an attempt to collect on a discharged debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Advanced Professional Group
State: MO
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I defaulted on my payday loan with XXXX. I got into a difficult financial situation and am trying to get caught up. Have spoken with reps at their collection agency APG about working out a payment plan but I do n't know yet how much I can pay until my payday the XXXX. So instead of waiting 5 days they call my work and cell multiple times a day to see if I have magically gotten money yet to pay them off. They sent a verification of employment letter to my employer today. I thought they could only do that if they have n't been in contact with me?

Company response to consumer: Closed
Consumer complaint received 2017-02-19
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX has stated that I owe a balance on an account. I has submitted dispute about this account and claim of inaccuracy. I had to resubmit my current address and information that verified my identity with Equifax after I sent that information in XX/XX/2016. This upset me tremendously because my information was not processed.

Company response to consumer: Closed with explanation