vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I purchased a car in XXXX 2016. The finance company is Alphera. In XXXX of 2016 I had a drastic change in circumstances and it is now a hardship to continue the payments. I contacted the company in XXXX 2016 to discuss options to solve the problem that would both provide some payment for the vehicle as well as have the least negative effect on my credit. Each representative that I 've spoken with has only offered a one or 2 month deferment, refinance that would lower the payment by {$100.00} but this would have to be income qualifying or voluntary repossession of the vehicle. I 've explained that my income would not qualify for a refinance due to my employment change. I have one other option which would be to pay-off the vehicle, which would be possible if I can sell the vehicle to a private buyer. I'v researched the vehicles value and it has depreciated by 50 % in 11 months of me owning the car. I 've had some offers on the car but would need the finance company to work with me on a settlement so that I can rid myself of this debt without ruining my credit. The finance company refuses to offer a settlement to a reasonable amount. I 've searched the internet about the company and have found that " Settlement Offers '' are offered by the company in the XXXX ONLY and not in the United States. I 've contacted the company several times requesting to speak with a member of the management team and have been turned away each time. I 've asked for the names and phone numbers of corporate executives and been told that they wo n't give me that information. I 'd like help with negotiating an affordable payoff for this vehicle.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: VA

Complaint narrative:
Hello Our mortgage company raided our escrow payment by {$300.00} and we are now unable to make our payment. Our taxes and escrow have not increased since closing and our insurance increased by about XXXX. We habe not heard anything regarding our request in the last 30 days. When we call we are told that it is still in review.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
My wife and I have been trying to get an answer to a simple question for 6 months now : can we get a PACE loan from the county without defaulting our existing loan? 

XXXX different customer service reps have all promised resolutions with a week but none have delivered any results. Requests directly to the loan agent, " special loans '' department, and the loan information mailing address have all been completely ignored. 

This is a simple yes or no question that apparently nobody knows the answer to.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: WELLS FARGO & COMPANY
State: GA

Complaint narrative:
Have two issues with my wellsfargo accounts : 1 ). the bank continue to charge me overdraft fees on online transfers and when the balance is just under XXXX they have charged me over XXXX dollars in fees in the last 4 weeks. 
2 ). the bank in XXXX double paid my employees payroll after they did n't process the direct deposits and we than voided that payroll. Because they could not retrieve the funds back from some of the employees that they double paid inert, they debited my business account and over drew my account by over XXXX they have records of where I called and they directed me that I had to pay my employees manually and we therefore voided the payroll. The bank refuses to take accountability. 

3 ). because of the payroll issue the bank started taking the money from my rent account to cover the payroll overdraft that they created. They than removed money from my rent account, bounced my rent checks for my business than cause my rent account to be overdrawn by over XXXX. Again, the bank is not taking any accountability and feels like they can do whatever they want to me and my business accounts. The bank has put my business in financial jeopardy. They have charged my in all my business accounts close to XXXX in incorrect overdraft fees in just the last 8 weeks alone.

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 monetary relief
Consumer complaint received 2016-11-07 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 lost my job and filed for XXXX in the state of XXXX My first check was deposited to an account that had been closed for an overdraft of {$60.00}. PNC closed my account ( I had been a customer for close to ten years ). When I learned my XXXX check had been deposited to that account, in error, the PA Treasury told me that became an issue between me and the bank. I then contacted PNC bank and was told my account had been closed by them in XXXX, 2016 and outstanding balance was turned over to collections. I asked what happened to my check and was told it was " rejected ''. This information led me to assume that the check was returned. I then contacted an individual named XXXX XXXX at the XXXX and attached the email I had received from PNC bank. She told me that PNC kept the money and I would receive a check for the difference. My two questions are as follows- 1. How can PNC keep my XXXX check when I do n't even have an open account with them? 2. Why is n't the XXXX required to obtain new account information when opening a new XXXX claim? This practice is unacceptable and very unprofessional. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
1 ) I had a traditional Individual Retirement Account ( IRA # XXXX ) with PNC Bank, invested in a XXXX Fixed Rate Certificate ( CD # XXXX ). The IRA and the CD were originally opened with XXXX XXXX XXXX Bank XXXX XXXX XXXX, and were acquired by PNC when XXXX merged with it in XXXX XXXX. The CD was most recently renewed for a 24-Month term on or about XXXX XXXX XXXX. 
2 ) I received an account Maturity Notice from PNC on or about XXXX XXXX XXXX. This Notice stated that the CD would mature on XXXX/XXXX/XXXX with a value of {$4200.00}. It also stated that, unless otherwise directed, the CD would be automatically renewed for an identical term, at a rate to be determined on the Maturity Date. 

3 ) The above-referenced Notice and the original agreement provided, inter alia, for a grace period of ten ( 10 ) days beyond the Maturity Date for making penalty-free changes to and withdrawals from the CD. 

4 ) On or about XXXX XXXX XXXX I mailed a Direct Rollover Transfer Request to XXXX XXXX XXXX bank ( XXXX ), asking that the entire proceeds of the CD at PNC be transferred on the Maturity date to my IRA account at XXXX. This was done in a form provided by XXXX, and included full particulars of the IRA and the XXXX at PNC. 

5 ) After telephoning me in the following week to verify all particulars of my request, XXXX sent me an email on XXXX XXXX XXXX, confirming that they had sent the Transfer Request to PNC Bank for processing. PLEASE NOTE that this was a full twelve ( 12 ) days before the end of the grace period for penalty-free withdrawals from the PNC account. 

6 ) After a delay of several weeks, XXXX confirmed that an amount of {$4200.00} had finally been received on XXXX XXXX XXXX from PNC. On or about XXXX XXXX XXXX I also received a notice from PNC ( mailed on XXXX XXXX XXXX from ZIP Code XXXX ) confirming the closing of the account and the transaction amount, but without any other accounting. 

7 ) This unexplained discrepancy between the maturity amount and what was ultimately transferred leads me to conclude that PNC Bank had willfully and intentionally delayed transferring the funds till after the grace period had expired. Then, invoking the early-withdrawal penalty provision, they had confiscated {$24.00}, which exceeded even the {$21.00} the CD had earned over the preceding 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
We met with our loan officer and established a closing date 60 days out and were told that was a reasonable amount of time to have our loan processed. We repeatedly inquired as to the status on our loan and were told that everything was ton track. Our loan officer informed us that all was set with the loan 2 weeks before closing. We then terminated our lease with our apartment complex to be ready for moving out. One week later ( one week before closing ) we were told that the loan would take another month. The loan officer then was not available to be contacted for another 4 days. My family was displaced, had to put our personal belongings in storage, and had to continue to wait. The loan officer had 60 days to complete the loan but had not even cleared it from underwriting by the end of the 60 days. A week after the closing date we were informed the loan had finally cleared underwriting and was submitted. We waited another week, inquired once more as to the status, and found out the loan had actually still not been submitted. It then took another week to submit. We submitted a complaint and the loan officer said they would lower our interest rate. We then received a good faith estimate in the mail. The interest rate was lowered, but the closing costs were then increased ( which we were not informed would happen ). We complained once more and spoke to the loan officer 's manager who informed us that they would credit some of the closing cost increase, that nothing else could be done, all actions by the loan officer were in compliance of their standards, and that we would not be reimbursed for any of our related expenses. We complained once more to a third party and were again told that nothing else could be done. We incurred storage costs, rent costs, transportation costs, and XXXX during this whole experience.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I had fallen behind on my mortgage payments with PNC Bank, I was given the option of going on a trial program for 3 months. I needed to make these payments by the first of the month and they would then give me a loan modification. Before I said I would do this, I questioned the guy from PNC because on the trial payments it said 480 months. He told me that was just for the trial and he had never seen it stay that way after the trial period. Well I just finished my trial payments, and he tells me that he did n't explain it to me that way and the new loan which saves me roughly $ XXXX month from {$1300.00} to {$1100.00} but adds 23 years to my loan, and does n't change the principle or interest rate on my original loan. I thought I was participating in a plan that would help me, not prey on my circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I had originally had XXXX HELOC accounts with XXXX XXXX, XXXX for {$110000.00} opened in XX/XX/XXXX and another XXXX for {$65000.00} opened in XX/XX/XXXX. These loan went delinquent and were ultimately settled. BOTH of these accounts have MORE then 7 years since date of first date of first delinquency and should therefore not be reporting on my credit file. PNC, which took over XXXX XXXX, has engaged in an illegal practice called " re-aging '' to indicate as if NEW delinquencies had occurred on the FIRST of these XXXX loans and therefore it IS updating on my report as if I 've RECENTLY become delinquent on it while in fact that account has had NO activity for the longest time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK
State: NJ

Complaint narrative:
During the months of XX/XX/XXXX and XX/XX/2015, {$720.00} in cash advances were made via XXXX XXXX, with my Discover card. I was charged {$10.00} per transaction making the total XXXX. These transactions were made nine times. These were not authorized by me. 
I am set up for fraud alerts but I was not alerted to what was happening and so I was unable to stop the transactions. But for their failure to provide fraud protection as promised I would not have this charge on my account. 
If these suspicious transactions do not trigger a fraud alert, then what does. 
I have written to the company many, many times and have not received one written reply. 
Curiously, when I signed up on XXXX I got a fraud alert! That 's so funny! So I called them and while I had them on the phone I asked about the cash advances and they said that since my son made them that they are not liable. I was shocked. My son was not authorized to make those advances. What gives them the right to say that he is authorized to do so? 
In any case, their fraud alert did not work as promised. I should n't have to pay the fraudulent charges. Thank-you. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MO

Complaint narrative:
After my previous complaint I was contacted by Bank of America and assigned a single point of contact to help resolve my issue. This person told me she would be calling by XXXX XXXX, 2016. I made to attempts to reach her on XXXX/XXXX/16, leaving voicemails requesting a call back each time. I left an additional voicemail on XXXX/XXXX/16, but I have not heard anything back. I have made three consecutive months of trial modification payments of {$910.00} for a total amount of {$2700.00} covering XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. However, none of this money has been applied to my account. I 've made three attempts now to set up payment for XX/XX/XXXX and my calls have gone unanswered. Once again, I am doing everything in my power to bring my account up to date and Bank of America is refusing to allow this to happen while holding my {$2700.00} hostage. I was hopeful that I could enter a trial modification program to make my mortgage more affordable but at this point I 'm ready to deplete my savings account and pay off the balance of my account. I stated this in my last voicemail for the single point of contact that was assigned to me. I am unable to understand this person 's name, but she can be reached at XXXX extension 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 2016-04-29 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: D. SCOTT CARRUTHERS
State: CA

Complaint narrative:
Last year ( 2015 ) phone calls were constantly terminated to my work phone from XXXX XXXX calling from the XXXX XXXX. I contacted the FTC, filed a report on the DO NOT CALL REGISTRY and shortly after the calls stopped. The caller, XXXX XXXX gives no other information and calls from blocked/unavailable phone numbers. Not sure why there is a reason to block the number the call originates from. It 's quite unprofessional and does not lend credence for me to respond to the call. In addition, these same annoying calls have started terminating to my personal cell phone as well. 
I am requesting these calls to stop as NO authorization was ever given by me for the calls to commence in the first place.

Company response to consumer: Closed
Consumer complaint received 2016-01-09 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I defaulted on my student loans due to limited income and part time employment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28 00:00:00
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: VA

Complaint narrative:
I requested that the agency provide verification i.e. a lawful contract ; a hand signed invoice to prove this alleged debt is valid so I may pay any verified debt owed. I gave the agency 10 days from the date I received my returned certified letter receipt ( XXXX XXXX ). It has been well over ( 10 ) days and the agency has defaulted in sending me the information I requested to verify the accuracy of this account. Therefore I am requesting that this false account be removed immediately and permanently from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I do not know this company or its issue with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Debt collection — Payday loan
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
I received a threatening call from them indicating I owe them money and if I do n't pay they will have me go to jail. I have asked this company for UPSP stamped letter in the mail to support their claim that I owe them money three times. Twice on the phone and once on email yet I have not been able to get any documentation. I have provided them my correct home address. I would like to report wrong unlawful practices of this company and their collection issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23 00:00:00
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: CAVALRY INVESTMENTS, LLC
State: NM

Complaint narrative:
The company of Calgary SPV I, LCC are try to collect on an expired debt, the original date of despute of the credit card debt is XX/XX/XXXX. Original debt was with XXXX credit card. No attempt to try to collect the debt thru court action was made until XX/XX/XXXX.The company is now making a false statement that I paid a payment of {$25.00} which would change the status of the debt from expired to current and they are now filing to garnish my wages ... ..no such payment was ever made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: TX

Complaint narrative:
Cavalry XXXX reported an account from XXXX Bank on my credit. I never had an account with XXXX BANK. I sent for validation on the account the account, they sent some statement that is not mine. The dates on the account continue to change. I never had an account with XXXX BANK. THERE IS NO XXXX ACCOUNT ANYWHERE ON MY CREDIT REPORTS

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
This is a third party debt collector that has been sent written notification to not contact me. In addition, they purchased an old debt and the statute of limitations has expired on the original debt. They reported this debt and it is now on my credit history. The original debt is no longer on my credit history because it is that old.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
The selection I made is not the correct, but it is the closest. They did not use profanity or any abusive language. However, they did use scare tactics and hostile techniques. They called and asked me to pay a debt for XXXX. This company has not sent a single written communication to me. They have only contacted me via phone. How do I know they are not trying to scam me? I offered, however, to make a payment arrangement and they indicated that they could not do so. They wanted the money right then and there. When I told them I could not, they offered me an option to go through a 3rd party company to finance my debt. I said that financing a debt was not a good option since it would charge me interest and I am not doing good financially. He said " Ok so thats fine, we know where you live, your phone number and everything " to that i responded that all it was not a good way to talk to me. I requested to speak to a supervisor and they transferred me to a Sr Specialist. She was better, I have to be honest. But towards the end she harassing me saying that she could put me on hold while I called the financing company and tried to get the money to pay. I said I would call back ( I was at work ) and she said " then I will notate that you refused to pay the debt '' I told her " that is not what I said, I cant call right now, and I will call you back '' she then went on to say " calling back is not one of the options '' I said well, I still need to call you back and she said " Ok I will notate that you refused to pay your account, byeeeee '' that is very disrespectful and using their power to mentally stress me out. I would lie for them to more respectful and work with me on a pmt arrangement or at least send a written formal communication.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation