vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-02 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 signed up for a new account in XXXX 2015 with PNC bank. There was a {$200.00} sign up bonus. Since then I have called three times to check on it and each time I am told I was approved for the {$200.00} until today when they stated I did NOT meet one of the criteria I never knew about. They also set up my checks on the wrong bank account and charged me NSF fees which I had to call and have reversed several times. People I worked with there are no longer with the company so what they told me or did to me is no longer valid ...

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-27 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have my property in short sale since XX/XX/XXXX PNC Bank National association is the lender of property XXXX XXXX XXXX is the realtor taking care of short sale ( XXXX ) XXXX The buyer is ready to buy even though PNC Bank raised the price two times and the buyer still willing to make the purchase. 
Since the bank has a sale date for XX/XX/XXXX On XX/XX/XXXX I filed an emergency motion to stop the sale with Circuit Court. 
Judge 's clerk scheduled me to appear in court on XX/XX/XXXX at XXXX On XX/XX/XXXX XXXX XXXX, XXXX represented PNC Bank in front of Judge XXXX XXXX XXXX from court room XXXX. XXXX XXXX explained me that PNC continue working with my case and currently it was being reviewed for Loss Mitigation. ( See copy attached ( XXXX ) Today XX/XX/XXXX I was working ( I am full time worker ) and my son send me an email ( XXXX XXXX asking me to call him " it is an emergency '' he stated. 
When I called him back he said that a man who identified himself as XXXX was drilling the locks of my basement because PNC Bank order him to do it. 
My son informed XXXX that I XXXX XXXX XXXX was still living in the property and having a short sale going on. XXXX said that he was only following PNC Bank orders and the most he can do is to come back tomorrow XX/XX/XXXX in the morning to change my house locks and perform on eviction which includes to bring a crew of men who are going to empty the house and damp all my belongings and valuables. 
I have never received a notice of vacating the property. 
I do not understand was going on please help me. 
The realtor 's attorney, who is conducting the short sale provided me with a list of actions he has been taking in a monthly basis towards the short sale. ( See attachment ( XXXX ) Please contact me or my housing counselor XXXX XXXX from XXXX XXXX XXXX XXXX ( A not for profit organization ) Home owner : XXXX XXXX XXXX XXXX XXXX Foreclosure Prevention housing counselor : XXXX XXXX ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: CA

Complaint narrative:
I went to the emergency room ( XXXX Hospital, operated by XXXX XXXX XXXX ) in XXXX 2015. As prompted, I offered my credit card information to the financial team, and they began billing me monthly, in the amount of {$510.00} dollars. 

I have statements from XXXX indicating every XXXX of these automatic billings, on time, and without any issue. 

However, I have recently received collections notices from a collections agency named " AllianceOne '' which claim to be on behalf of " XXXX XXXX XXXX XXXX ''. This is unexpected, as XXXX XXXX XXXX is still billing me, as expected, for {$510.00} per month. 

I have officially disputed the validity of the debt with AllianceOne, but have received no indication from them of the validity or proof of the debt. I have contacted XXXX XXXX XXXX multiple times ( over phone and email ) and have left messages with their human resources and their financial departments, but have received no response, email or otherwise. 

I received XXXX additional letters from AllianceOne this week indicating a different debt amount, and still no indication that they have received my dispute of debt ( sent approximately the first week of XXXX 2015 ). 

I am concerned that this may be a fraudulent collections attempt, as I am still being charged as expected on the XXXX-month billing cycle for treatment through XXXX XXXX XXXX, and have not been delinquent on any payments. 

Thanks,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I never received any medical bill and would like to know why I was never sent a bill and what it is about.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-05 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: CA

Complaint narrative:
AllianceOne lists XXXX bills in collection for XXXX debt greatly impacting my credit score. When contacted to dispute the accuracy, they refused to remove the duplicate items. They list almost {$1000.00} in XXXX separate medical debts from XX/XX/2011, when there was only XXXX debt for XXXX the amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: TX

Complaint narrative:
I refinanced my house and Stonegate Mortgage and Servicing still has not returned over XXXX dollars thats in my escrow account. They have told me numerous times they are sending it which I have at least two of those times recorded on my computer. A manager by the name of XXXX assured me he was overnighting it. Two days later when I called to find out where it was, I was about to be transferred and then suddenly he is no longer in the office for the day at XXXX. Not one person has given me a straight answer and no one has returned my money to me since my closing over 60 days ago from writing this complaint. These people are crooks.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-17 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
PNC Bank and XXXX bank ( XXXX of which I have credit cards for ) are saying that I am responsible for XXXX dollars total value of charges and I know for sure I did not make them. No matter how hard I try to dispute and file for fraud, they are not doing anything. I need your help to get rid of these charges so that I am not responsible.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In XX/XX/XXXX I used a PNC ATM that had a skimmer on it. {$200.00} was taken from my checking account on XXXX XXXX. The next day I discovered that I had no money in my checking account. On Monday the XXXX I called my credit union and picked up a discrepancy report and returned it on XX/XX/XXXX. Two weeks later the local XXXX XXXX aired a story about the skimmer on the same PNC ATM. 

Then my credit union told me that Pnc bank will not refund my money since it was a pin transaction the next then I called PNC bank and they told me that I had to talk to the credit union. At this time I started to become frustrated with the runaround and being told it 's the other places responsability to refund my money so I contacted the XXXX and they told me that it was PNC bank and that I should contact the CFBP I know my {$200.00} is never going to be seen again but I figured to try one last option

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
In the dispute of the day XXXX/XXXX/XXXX hereby request the validation of this account, but after 18 days I have not received any document at the address reflected here, any information you send me, not my signature show make me responsible, accepting the terms and conditions thereof, is invalid, if they need a request for physical validation, sent them without objection, you can not blame an individual for a debt would supposedly test information format printing, without the existence of my signature, the law is accurate, unverifiable or inaccurate accounts they have to be removed, it is my right under the FDCPA 15 USC XX/XX/XXXXg sec 809 ( b ) FCRA Fair credit reporting Act 1 Show me that license numbers are registered and agent 2 Explain and show you how calculated me what you say i owe 3 Any contract or document signed by me to make me responsible for this debt. after XXXX i can receive XXXX dollars for defamation of character in lawsuit, i request a letter of consent where it is manifest that will not be sold to another collection agency and be closed systems in their correspondence should with return receipt be sent to verify that i have received correctly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
In early XXXX, 2016, my husband and I met with a XXXX, a broker at a PNC bank branch to go over our finances and get advice as we wanted to apply for a loan to make some repairs to our home. We went over some options, discussed our credit with her, and she went over some different rates with us for a secured and unsecured loan. After doing that, she advised us that we would be in a better position if we cleared up our delinquent accounts on our credit history, and the best way to do that would be to take out a loan against my XXXX and then wait approximately 30 days for the credit to update and return to apply for the loan. I in turn took out that loan, paid off the debt, and we waited approximately 30 days before coming back to PNC to initiate the loan application. We applied for the HELOC on XXXX XXXX, 2016 with XXXX. We went over the approximate value of our home, how much equity we thought we had in it, and determined that we had more than enough to apply for a {$25000.00} loan. We spent the better part of the morning with her, provided all the documentation she asked for, but when we left the bank that morning, she did not provide us with anything other than her contact information. Federal law states that the bank is to provide us with a booklet providing information about using the equity in our home and also, within 72 hours, they are required to give us a disclosure noting the amount of the loan and the approximate costs involved in getting a home equity loan. We did not receive any phone calls from her. We did receive a generic email from the bank simply stating that the bank received our application and if they needed further information they would contact us. It was signed by no one. The second day, I got the same thing. After that, I called XXXX, who informed me that the loan was rejected but, without our knowledge, she was writing an " appeal '' and she would let us know what happened with that. This was extremely upsetting to both my husband and myself, who took her advice and took out a loan against my XXXX to clean up our credit to be in a better position with the bank, and the bank still denied our application. XXXX informed us that the bank denied the appeal. So now here we sit with no loan, and no way to make the improvements we need to our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
Contacted another individual about a debt that they say I owe. Never have they send me a written verification of who they are, who the debt belongs to. They openly shared my name, DOB, and medical facility that I went to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: MO

Complaint narrative:
We closed on our new home at the end of XXXX 2014. Our title company held money from us at closing to pay for 2014 taxes. When the tax bill came in the mail the title company paid the taxes and refunded back to us the extra money they had collected to pay 2014 taxes. We then noticed in a mortgage statement that our lender claimed to have paid the 2014 taxes. We called our title company and they told us no, the title company had paid the taxes and the title company sent us proof of payment and a refund of the overage they had collected at closing to pay taxes. I have repeatedly reached out to our lender to get this corrected and to no avail it still has not been corrected. I want this corrected and the money put back into our escrow that should have been in there the past 6XXXX months, and ensure we have not been paying interest on an " advance in escrow, '' payment that it states when we log into our account online. Would like this corrected immediately, been trying for over 6 months to get this corrected, been more than patient with this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
We operate a small business on the XXXX XXXX XXXX. A number of our employees do not have bank accounts and need to cash their payroll checks. We discovered that they were paying a substantial fee to cash paychecks at a local check cashing business. We advised them to cash their checks at the bank on which they were drawn. We were very surprised PNC charged them a {$10.00} fee per check. These fees amount to a significant percentage of an employee 's paycheck. It does n't seem fair an employee should have to work an hour just to cash their paycheck. The branch manager agreed to waive the fee for our employees given our relationship with the bank. However, I fear many other hardworking people are being subjected to similar predatory fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: OH

Complaint narrative:
Stonegate Mortgage increase by {$300.00} a month without warning

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I had a business account with PNC Bank, It was unlimited free balance with a condition that they mail me my statements. Last year, they stopped mailing my statements and began to charge me a fee ( approximately {$4.00} a month ) on my account. I was in XXXX XXXX, XXXX and spoke with the manager. He restored the fees and resumed the mailings of my statement. Earlier this year, they stopped sending me my statements thru the mail and in XXXX they started charging me a fee of {$17.00} per month. Since I was out of town, I did n't notice this till XX/XX/XXXX. I went and spoke with the manager of the XXXX, XXXX branch and she told me that she was going to try to get my money back. A couple of days later, she told me that she could n't get my money back but was going to talk to her Supervisor about my situation and that person would call me in a couple of days. I never received the call and returned to her branch. That 's when she told me that she could not return my funds, so I closed my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-12 00:00:00
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC
State: OK

Complaint narrative:
Aggressive Loan Officer ( XXXX XXXX ) at Quicken Loans that performed a Mortgage Review of my current homeowner 's loan that currently has a fixed rate of 4 % - FHA-30-year loan with Quicken Loans and when I informed the Loan Officer on XXXX/XXXX/16 that I was not interested in refinancing my home because it would not save me any money and that I would have to pay closing costs as well. The Loan Officer continued to contact me 3 additional times by e-mail on XXXX/XXXX/16 and mail communication on XXXX/XXXX/16 and now today, XXXX/XXXX/16. The Loan Officer as uploaded new refinance information on my on-line account without my knowledge, permission or consent. I feel like I am being harassed by Quicken Loans by their aggressive and predatory style of doing business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Have been trying to get PNC Bank to stop sending credit card offers to me. I have documentation for the last 6 months. Each time I call the number on the offer to opt out, they willingly take my information and tell me that I will stop receiving the offers. I documented opt-out calls on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. Today on XX/XX/XXXX another offer was received. 
( I am also an XXXX permanent registered participant. )

Company response to consumer: Closed
Consumer complaint received 2016-05-25 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
During the week of XXXX XXXX I contacted BMW Financial Services to process a payment for XXXX. I was out of the XXXX and unable to connect to the internet to process it online. I requested that the representative ( I believe his name was XXXX but can not recall ) activate XXXX since I am currently traveling out of the XXXX for work. He explained that I could do it online but I specified that I did not have access to the web. He confirmed my bank account was on file with BMWFS and that he could take care of it. Today I received a call from BMWFS stating that they have yet to receive a payment for XXXX and that my credit had been affected. I told them to draft it immediately. I stated that I had previously spoken with someone about this and they directed me to their credit dispute department because they could find no records or notes that anyone every spoke to me. After holding for about 30 minutes the call then disconnected without being able to speak to anyone. I 've yet to be able to get in touch with anyone to even speak to them about a dispute. I believe I was provided incorrect information regarding XXXX, as the second agent told me it can only be initiated only by my self as the account holder ( which is not what the first agent told me, UDAAP concerns here ). I have never had a late payment with BMWFS and am extremely irate that their mistake will put a blemish on my credit report. I request that they remove this immediately. I do not believe their credit dispute process is handled with the customers best interest. I will be visiting my nearest XXXX, writing to the OCC, and the FTC about this as matter as well. Not to mention that when I purchased the vehicle I was told that I could only buy XXXX insurance at the time of purchase ( when I knew that was incorrect ) and the APR was not stated to me until I asked for it all while I was being asked to sign documentation with out first seeing the rate first. Though this was a few years ago, I know this was also not a best lending practice. 

XXXX XXXX Account address : XXXX XXXX XXXX, XXXX, TX XXXX Phone number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XXXX/XXXX/16 I made the last payment on a PNC home eqity line. It was due that day, and although the closing on my house was XXXX, I would have been delinquent if I did not pay by the XXXX. I assumed this would be returned to me on the XXXX at closing. 
PNC did not post my payment by the XXXX. 
My wife mistakenly made an additional automatic payment of {$2000.00} of on XXXX. 
I was told by XXXX XXXX that XXXX refund checks were sent to my home on XXXX and XXXX. They never showed up. I emailed, called him and went into the branch repeatedly about this. 
I was told by XXXX XXXX that no check had been sent, but the account close out would be processed on XXXX and after 10 business days they would send a check. I asked why 10 days. The answer was " PNC policy. '' A check did arrive and I deposited it on XXXX in my XXXX XXXX account. 
On XXXX the check was bounced. PNC stopped the check. I do n't know why. They apologize but they can not explain what happened. I 've spoken to XXXX XXXX and he said he would find out why it was stopped, and told me another check had been sent right after they first check had been stopped, which was before I deposited it. 
I have subsequently spoke with XXXX XXXX ( she seems to be an executive at PNC ) who called me on XXXX to apologize and said she would investigate. She promised a return call to follow up in a day or so. She has not called and has not returned my phone calls for the last two days. 
The replacement check has been " in the mail '' now for about three weeks. They own me {$5100.00}. There is no dispute about the amount or that it is owned to me. But PNC will not pay. 
In addition to a lot of time that I feel PNC should compensation me for about {$50.00} in {$49.00} in XXXX XXXX charges associated with an overdraft that PNC caused and a {$12.00} charge to me for the stop payment. In my profession I bill hourly and this is lost billed hours - probably four hours so far. That 's about {$2000.00} at my billing rate. 
Contact information for persons noted above : XXXX XXXX XXXX Financial Consultant PNC Bank XXXX P XXXX F XXXX C XXXX XXXX XXXXXXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had bank account with PNC bank. On XXXX XXXX, 2015 I deposited a foreign check at my local branch drive thru teller. The next day I went to bank and withdrew {$500.00} cash through ATM. Later on in day I received email stating my account was overdrawn. When I deposited check teller never said there was gon na be hold on check and there was nothing on receipt. Few days later i received letter saying they were closing my account and would have to wait 45 days for check to clear. When i contacted PNC they said my account being closed was a corporate decision. I just spoke with someone at bank today and they said my money would be availible after XX/XX/XXXX.

Company response to consumer: Closed with explanation