vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-10 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Hello, I would like to file a complaint against PNC Bank. My loan officer for the process was XXXX XXXX XXXX XXXX # XXXX. As a first time home buyer applying for a VA loan I was unsure of what fees if any would be appropriate. When asking to put in a formal application I was told that an Application Fee of {$520.00} would be charged. I agreed as I was told that the Department was having a Special which ended that day, and I would need to put the application in to lock the lower rate. The day after I requested the application be withdrawn but was told I would not receive the fee back. 

I would first like to note that VA loans do not allow the veteran to pay an application fee. Secondly I would like to argue that this is a XXXX violation qualifying as unfair deceptive and abusive for the following reasons : Unfair 1. I sustained substiantial injury ( {$520.00} ) 2. The injury is not avoidable as it is necessary for the application 3. There were no counter ceiling benefits as I withdrew the loan. 

Deceptive : 1. I believe the Special they held was an attempt to mislead me 2. My interpretation wa that there was no other was to be approved for a loan without being charged such fees. 
3. The act was material ( {$520.00} ) Abusive 1. The act took unreasonable advantage of my understanding of the loan/ application process. 

I do know that it is encouraged for consumers to shop for their loans. I would like to argue that unreasonable application fees restrict consumers to do this. I was also charged this fee before receiving my Closing Disclosure and Good Faith Estimate. I would like to request my application fee be refunded and note unreasonable application fees a XXXX issue. Please investigate, thanks!

Company response to consumer: Closed
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Continental Credit Control
State: CA

Complaint narrative:
First of all, it 's not a debt. I do n't owe anything to XXXX XXXX XXXX ; however, Continental Credit Ctrl reported this on my credit report with XXXX. I did have XXXX but everything was paid in full. I even went to my online account and it shows {$0.00} balance. I do n't know how they got this incorrect information and it 's very frustrating. Please help

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
Ford Motor Credit made several monetary and clerical errors on my account that ultimately ended up in them reporting my account delinquent to the credit bureaus severely impacting my credit score. Prior to the negative report I called customer service to warn them of the issue, to which they responded that indeed they made an error and they would resolve the issue and contact me. I was never contacted, so imagine my surprise when I saw the hit to my credit score.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Trident Asset Management, L.L.C.
State: PA

Complaint narrative:
Trident Asset Management did n't respond to my direct dispute. My name is XXXX XXXX and Trident Management is knowingly reporting false information to the credit reporting bureaus. They bought an account from said " XXXX Stores '' and have continued to falsely report it as an open, revolving account with a past due balance of {$100.00}. They are not allowed to report a past due balance. I do not recognized this debt either and is reflecting on my credit reports for sometime now. The account number is XXXX. This is a collection account. I have disputed this account as a CRA DISPUTE. This account is further negatively affecting my credit report and score due to this company 's false reporting. I am demanding full deletion of this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Trident Asset Management, L.L.C.
State: VA

Complaint narrative:
In 2010, my check book was stolen unknowingly because I do n't use checks for transactions but at the time I thought it was wise to have some since i can get them free from my bank. This particular checks that were stolen was from an account that I already closed but forgot to dispose of the checks. However, whoever that stole the checks was allowed by XXXX and and XXXX to transact business without proof of identification. I have called and informed XXXX about this matter but nothing was done.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-09 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc.
State: CA

Complaint narrative:
ARA Inc employees have called me several times, cursed at me, yelled at me, threatened to ruin my credit, threatened to contact my employer, and threatened to sue me over a disputed credit card debt the collection of which is barred by the statute of limitations. ARA Inc employees have been very abusive, and when confronted with the fact that the debt is disputed and not collectible they become even more abusive, and more threatening including calling me several more times. What prompted this complaint was a letter I received yesterday threatening collections action, again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: Brown and Joseph, Ltd
State: CA

Complaint narrative:
This company suddenly began calling about a debt that was a result of an audit done in 2013. we were never informed of the outcome of the audit and assumed it was because the Insurance Company went out of business. It took multiple requests to even get a copy for this audit. I was told I was a liar, I was stalling, my agent was a liar etc. They threatened legal action, impersonated a law firm, threatened to have our current insurance cancelled and even put us out of business. My agent even called them and asked them to stop collection attempts, as we were disputing the audit directly with the Insurance Company. There have been calls from XXXX different people from this firm. XXXX have been the most vicious and abusive people I have EVER encountered in my life. I have been called every name in the book while trying to communicate with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I place a call to PNC Mortgage in regards to a Loan Assumption. I told the loan assumption clerk that I will be retiring pretty soon and my income will be drastically reduced. Can my wife of 20 yrs assume the loan due to the fact that she has been making the payment for the last 10 yrs. I was told by PNC Mortgage Loan Assumption Dept., the only way my wife can assume the loan is either thru death or divorce per XXXX XXXX Guidelines. I contacted XXXX XXXX and inform them what PNC Mortgage Loan Assumption Dept. stated. / A XXXX XXXX supervisor TOLD ME THAT IS ENTIRELY UNTRUE, NOTHING IN THEIR GUIDELINES STATES THE ABOVE. My rights as a consumer was violated and I ask you to investigate this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I purchase a vehicle from XXXX ( aka BridgeCrest ) in XXXX, and have had nothing but trouble form them every sense. They charged me with late fees when its not my time of schedule payment, always calling 5-6 times at all hours of the day harassing the XXXX out of me, and also not reporting to all XXXX of the credit agencies when payments are made on time. I had a company look into my credit system and found were they are lying and not been truthful of the matter that I am paying my car note. Moreover, I have keep all of my receipts and even looked back on payments made ; and they are not giving me credit due. When I looked at my statements online, I noticed dates that I paid are not been included and they again overcharged on late payment fees when it was n't even my schedule payment time. This is the WORST CAR DEALSHIP EVER! Their moto is a lie when, it speaks of helping those with not so good of credit. I have asked repeatedly on numerous occasion to have my payments modify and still I always get excuses and no one is willing to help lower my payments. I have been advised to look into XXXX XXXX who can have them stopping calling me everyday, give me credit were credit is due, stop charging late fees when its not my time to pay my schedule payments and to report to credit agencies when I am making my payments each month. Plenty of people that I have spoke to say how awful they are, calling with the harassment many times in one day. I made my last payment on XXXX/XXXX/16, Saturday and they called me the next day, and the next day, and the next day. That was unacceptable, and no reason to have called my phone that many times, when I had paid. My schedule payments is every two weeks and if I miss a week, I 'll pay the week after, which is still technically every other week. If I could find a way to get out of this loan, I would. They are overcharging me, cause my balance I know should be down and with them they keep adding it up. NOT COOL AT ALL! I am dissatisfied with BridgeCrest formerly known as XXXX. I will be taking other measures from referral resources to have them stop frustrating, stressing me out, cause it 's ridiculous how annoying this company is. STOP HARASSING ME WHEN I MAKE MY PAYMENTS EVERY OTHER WEEK!!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Credit card — 
Issue: Billing disputes — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
PNC bank imposed an unfair ( if not illegal late fee ) against my PNC XXXX XXXX XXXX .The due date for my credit card is always the XXXX of the month so my most recent due dates have been XXXX, XXXX, and XXXX. I made an early payment 0n XXXX ( which PNC accepted as a payment toward the XXXX due date ). I did not get a late fee. I made a series of payments in XXXX that more than covered the XXXX payment ; in fact I made a payment on XXXX, very similar to what I did in XXXX. When I made a payment on XXXX ( after the XXXX duly date ), they did not not count it toward my XXXX payment. They applied a late fee which is basically penalizing me for pre-payment. XXXXMy minimum payment due by the way was {$25.00}. 

Notes ; Below are the payments I made. I deleted references to my checking acct ( also with PNC ) and my credit card. I can provide acct ref. if necessary ) : XXXX/XXXX/2016 Completed {$300.00} From : To : Interest Checking - PNC points XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$150.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$250.00} From : To : Interest Checking - PNC points XXXX XXXX - XXXX/XXXX/2016 Completed {$170.00} From : To : Interest Checking - PNC points XXXX -

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IA

Complaint narrative:
Mother passed away in XXXX of 2014 with a mortgage with PNC Mortgage. We were unable to pay it as we were awaiting probate and access to her funds. The mortgage company would not talk to us because we were not authorized but they were notified of the situation. By the time we had access, the account was sent to foreclosure and we were forced to pay a large penalty to get the account back into good standing. We have since sold the house and paid off the mortgage but feel it should have never been transferred to foreclosure as we in good faith did all we could under the circumstances. We would like to recoup the money that we paid that was above and beyond the normal mortgage amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC XXXX XXXX branch is billing me for a safe deposit box owned by my deceased mother. 
I am not the executor of the account and I was not one of the cosigners when she passed. 
They added my name to a document they sent to my local branch. Next to my name is the address of my brother, XXXX XXXX, who was the executor, POA, and cosigner for the XXXX. 
My signature is not anywhere on the documents they sent., nor is my address. 
They added my name to documents without my consent. 
XXXX XXXX is bank manager whom I consider negligent and did not perform due diligence with this account, Initially told me I needed to provide a death certificate, even though they had on their files that she was deceased

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I went in to close my PNC account. It was negative at the time and I paid to bring it up to a positive balance and then closed it. The lady I spoke to who was closing my account said she put it in, but since it was a Saturday it would n't go through until Monday or Tuesday which was fine. She then cut up my PNC card and that was it. About 3 weeks later I got a notification that my account has been over drafted. I spoke to them on the phone and they apologized, but said I needed to pay the fees and then close my account again. Now I am being charged calculated service charges for an account that was supposed to be free and also closed over 2 months ago. At no point was I notified that they could n't close my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank refuses to put the account on our credit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
Locked loan XXXX XXXX - Submitted last of docs XXXX XXXX. E-mail from lender docs received XXXX/XXXX/15. my real estate agent ( XXXX ) called me XXXX/XXXX/15 XXXX informed he just got off phone with lender. I called lender XXXX/XXXX/15 about closing I was told I did not meet their requirements. I asked for a denial letter, the letter said Credit app incomplete. lender Closed my app XXXX/XXXX/15. Lender did not notify me Nor did they have the right to close my Loan App. My loss {$1000.00} earnest money and {$500.00} for appraisal. Not to mention my time and everybody else 's. Lender has admitted to making a mistake. HUD contract expired XXXX/XXXX/15 XXXX has to be requested XXXX calendar days before expiration. Extension fee $ 375.00Lender said I would have to re-apply.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have been attempting to close out an underperforming Roth IRA account with PNC and transfer funds to another institution for over 30 days. I initiated the transaction at a PNC branch and followed the instructions that were provided by an investment banker at the PNC branch. About XXXX weeks after completing this transaction as instructed by the investment banker at the branch, I received, in the mail, a notice that PNC was not able to complete the transfer. The package provided did not include clear instructions and a number of the forms included were completely illegible ( examples attached ). I called in to PNC customer service on XXXX and was directed to XXXX XXXX, who identified himself as an IRA consultant. He was somewhat verbally abusive and refused any help beyond recommending that I complete the identical process again. I believe that being denied access to my funds, provided with illegible forms to sign and being provided no clear reason for denying me my funds to be an unfair practice on PNC 's part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I called my bank ( PNC ) XX/XX/XXXX ( 3 weeks ago ) and asked if I could get an extra couple of extra weeks to make my XX/XX/XXXX payment. I had done this once before in the past. This time, the woman on the phone told me I could skip my XX/XX/XXXX payment, and resume with my usual XX/XX/XXXX payment ( I have my payments taken automatically our of my account on the XXXX of the month ). Tonight at XXXX when I do n't really want to have to talk business, I get a call from PNC asking about my XX/XX/XXXX payment, telling me about a late fee and wanting to know what I can pay now. XXXX departments in the bank that do not talk with each other?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 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: CA

Complaint narrative:
AllianceOne Receivables Management , Inc. is attempting to collect a debt that is erroneous and not owed. I have filed numerous complaints with the CFPB on this issue before, but it continues to be an ongoing issue, with several debt collectors involved. In numerous exchanges with XXXX and several debt collection agencies, my attorney and I have demonstrated that the debt is erroneous, and that it has exceeded the statute of limitations on municipal debts. All debt collection agencies, including XXXX ( XXXX ), XXXX, XXXX, and XXXX have dropped the debt. XXXX has pursued this debt on two separate occasions, and in both cases, has dropped the debt. The evidence my attorney and I have amassed demonstrating fraud, negligence, and incompetence on the part of the XXXX is considerable. AllianceOne Receivables Management XXXX Inc. is now in serious violation of the Federal and California debt collection practices acts in even attempting to pursue this since, even if valid - which it is n't - the collection of an alleged debt from XXXX would be barred by the statute of limitations under California Code of Civil Procedure sec 338. AllianceOnce Receivables Management , Inc. is aware of this fact and is acting tortiously and harassing me. See City of XXXX vs XXXX, XXXX. Court of Appeal 2nd District. There is a 3 year statute of limitations. I strongly urge the FTC and CFPB to investigate AllianceOne Receivables Management , Inc 's debt collection practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
i currently have a loan which is a second mortgage loan from pnc bank and the interest rate is 8.5 % was opened in 2007 and about a year ago or XXXX ago I contacted them to refinance and lower my interest rate so i can get a lower montly payment they refuse me as my credit was not good. I tried again same and now I am behind with my payment for 6 months totalling XXXX, XXXX and they want to foreclosure on my home I cantact them again for a loan modification and they never sent me the paper work so i contact alliance which was unable to help me so they give me the link to pnc bank for loan modification I send them the application they did not answer me I think this bank just want to do foreclosure instead of helping me out with the rate which is 8.5 % most loans in these days is 4 % kindly look into this and let me know what to do

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc.
State: CO

Complaint narrative:
Seterus Mortgage Company tacks on a XXXX Hazard Home Insurance on my mortgage even though I have XXXX insurances on my home. XXXX with XXXX through the HoA for the outside walls and XXXX with XXXX XXXX that I have for the interior items. We have been faxing them documents for the past XXXX months. I called them last week, they said they got it, but they needed some more information. They do n't bother to call and tell me anything. Same thing happened a XXXX ago. Last year it took XXXX months to remove this added insurance and refund it to my mortgage. This year its now been XXXX months, so I have to pay extra every month so I do n't have late fees or late on my credit score.

Company response to consumer: Closed with explanation