vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-24 00:00:00
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC sent the issued credit card that I applied for to a wrong address and I never received that credit card. There were XXXX over {$1200.00} fraud charges on the credit card. PNC told me that I am reliable for these fraud charges. 
On XXXX, 2015 I went to the PNC branch located in XXXX XXXX XXXX, XXXX XXXX, PA for XXXX things, ( 1 ) mailing the PIN for my PNC business debit card, ( 2 ) applying a PNC business credit card. About a week later I received the mailed PIN. But there was no any response from PNC about my credit card application. 
Around one month later ( in XXXX, 2015 ), I received a call from PNC when I was at the XXXX 's located in the XXXX, XXXX. A lady from PNC asked me to verify XXXX credit card transactions ( & gt ; {$1200.00} ) on the phone. These transactions were made using the credit card that was issued to me by PNC. I told her that I had n't received the credit card yet, how I could make a payment with it. I reported to her that were fraudulent charges. The lady then verified my address and told me that PNC had sent the credit card to the wrong address. She promised me to close the account and would issue me a new credit card. Meanwhile, she said that PNC would remove these XXXX statements from my credit card account. 
After I received and activated my new credit card, I logged in my online banking account and did see these XXXX fraudulent charges were removed. However I noticed these XXXX fraudulent charges were posted again in my PNC credit card account in XXXX XXXX. I called the customer service hotline right away for a few times. Each time I was given a different story. In my last call, the representative told me that PNC had done with the investigation and PNC had denied those over {$1200.00} charges as fraud charges. 
PNC sent the credit card to a wrong place and I never received it. Why am I reliable for these fraud charges? I enclosed my XXXX evidences of my address, XXXX is the envelope in which PNC sent PIN code in XXXX XXXX 2015. The other is the address of my business that printed out from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I called PNC customer service XX/XX/XXXX to inquire about removing the PMI from my loan since my Loan to Value had reached XXXX %. My loan amount is {$190000.00} making my LTV XXXX %. It was scheduled to be removed automatically on XXXX/XXXX/XXXX but I figured I would try to get it removed earlier. After discussing this with the representative and learning a new appraisal would be required, I told her not to send me the information. She said it was too late as she had already pressed the button. She said it would n't change anything and only provide me the steps to take to remove the PMI. On XXXX XXXX I received that letter from PNC about the PMI. The letter stated that my LTV was no longer XXXX %, in fact, it was now XXXX %. They also stated I could get an appraisal using a condo appraisal form for {$500.00}. First, my home is not a condo, it is a single family residence inside a PUD. I am in the mortgage business and I know that appraisals do not cost {$500.00}. I proceeded to go online to my account and noticed that someone within PNC had changed the automatic removal date of the PMI to a whopping XXXX/XXXX/XXXX. They are saying I need PMI for another 21 more years! I tried calling PNC customer service and after being put on hold for almost an hour, I decided to hang up and call back during the day. I am so upset with PNC after making timely payments to them for the past 6 years. They modified my mortgage back in XXXX due to a hardship during the financial crisis. From XX/XX/XXXX to last month, the PMI drop off date was scheduled to be XXXX/XXXX/XXXX. See attachment # XXXX. I ca n't afford to keep paying PMI for another 21 years and it is illegal for them to do so because the loan to value based upon the principal balance of the first lien is {$190000.00} and the value of my home when I purchased the property in XX/XX/XXXX was {$240000.00}. I want this fixed immediately and PNC customer service has not met my expectations therefore I am filing a complaint with the CFPB in homes PNC understands how serious this error is. I have attached the new statement showing scheduled XXXX % LTV date of XXXX/XXXX/XXXX and a prior statement showing XXXX % LTV date of XXXX/XXXX/XXXX which has been this way since XXXX/XXXX/XXXX.

Company response to consumer: Closed
Consumer complaint received 2016-05-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I was in the process of selling my house and notified PNC for the payoff and what day we will be closing, XXXX XXXX. PNC provided the information we requested, however they made the decision to pay the property taxes early and in doing so the property taxes were paid twice. I called PNC and on XXXX XXXX and they said they would look in to the issue and get back to me, they never did. I had to call several times and never got a definite answer. They said they called the XXXX XXXX tax office and never got a returned call. I called the same tax office and was told they have no notes or calls from PNC on this issue. THe tax office told me that PNC uses a XXXX party like XXXX to pay a lump sum. {>= $1,000,000} as an example, in XXXX check and they provide the amounts and property addresses to apply the funds. The amount PNC owes me is almost {$5000.00} dollars.

Company response to consumer: Closed
Consumer complaint received 2015-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
A while back we were forced to open another checking account in order to obtain a savings. I never wanted XXXX checking accounts but was told that was how pnc bank had to do this to open the other savings. In total I had XXXX accounts, our regular checking. The account I did n't want and XXXX savings. We never tried to use the other checking but some how it got mixed in to our pay pal account which charged XXXX transactions to it. PNC never notified us of the over draft instead they kept charging the account penalties until reaching {$290.00} then they took that XXXX out of our checking with out notifying us and closed that account. I called talked to a very rude person in their REG team who said all these penalties are valid and it was n't their fault they did n't notify us cause we could of checked the account balance online or called them. After yelling he agreed to a XXXX refund but I still feel cheated out of my money that they stole from a veteran trying to feed his family of XXXX. The end I do accept some responsibility but notification from PNC should of been sent, not just XXXX the account with penalties and then take money out of the other account. Money that we had already used to pay a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-31 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I opened an account at PNC Bank several months ago, and at the time was told that if I established a regular direct deposit, I could avoid the monthly service charge. However, while trying to setup XXXX XXXX, I discovered that I was being charged {$25.00} each month. At that point, I explained to the service person ( XXXX XXXX ) on the phone that this was not what I was sold initially, and she mentioned that that I actually needed to keep a minimum balance of {$500.00} to avoid the fee. Therefore, and in order to continue to incur charges, I asked for my bank account to be closed. However, I was put on hold literally for 49 minutes as the bank representative was trying to close the account. Then, the bank representative came back, and informed me that she needed to escalate the issue to the Retail Escalation Division ( XXXX XXXX ), since apparently she was unable to close the account. Bottom-line I believe that the bank representative was giving me the run around, and hoping that I hang up without closing the account. Finally, and 68 minutes into this call, I told the bank representative that I was going to hand up, and expected the account to be close immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-30 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Sold a pc of furniture on XXXX. Pnc bank told us funds could be used next day but we knew better so called to tell them we had to make sure check was good b4 we used the funds bcz we had to take shipping charge out then they told us check in " floating stage between banks so we waited a few days later then they said it was paid by usbank so we sent out money for shipping. Then next day check did not clear. We called to let them know that they had assured us it was ok and total chaos hit at that point. They advised us wrong took all our money except XXXX and now it 's on our credit report and bank info that we ca n't have checking acct. totally unfair!

Company response to consumer: Closed
Consumer complaint received 2015-07-07 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My mother died XX/XX/XXXX. 
Her house still had a mortgage. 

My brother is executor and lives in the house. 
He has been trying to get a mortgage from PNC in his own name, but PNC is stringing him along with lies and false promises. 
He was paying the mortgage, but defaulted in XX/XX/XXXX. 

PNC bank has filed foreclosure suit against him, me, my son, and my nephew for the debt. 

My son, nephew and I have nothing to do with it. 
It is not our mortgage. 
It is not our house. 
It is not our debt. 
It is not our responsibility. 
It should n't be our problem. 

We have relinquished all claim to the house, in writing, XXXX TIMES. 
PNC Bank and XXXX XXXX XXXX, PC, repeatedly state that they are a collection agency and these are attempts to collect debts. 

Despite our request to do so, PNC and XXXX have failed to provide us with a single document indicating our responsibility for this debt. 

They refuse to remove our names from the foreclosure action, even though they have admitted on the telephone that they know we do n't owe the money, they continue to state in writing that they are trying to collect payment. 

The foreclosure suit has been stayed pending my brother 's completion of the court 's " Save Your Home Program ''. 

PNC 's and XXXX 's claims that I, my son, and my nephew have defaulted on this mortgage constitute LIBEL.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
XXXX XXXX of PNC Bank, Executive Relations Division did not give me a reason why my business account was shut down-closed on XXXX separate occasions, causing numerous checks to be returned and electronic checks to go unpaid. The bank has not shown anything in writing where they compensated me for the fees that they caused because the account was closed. XXXX XXXX has taken it upon herself, after several attempts at explaining the situation, but she choses to be judge, jury and executioner in this matter. 
I have copy of correspondences where I have asked her to get the details rights and act appropriately, but she has not. PNC Bank is not acting in a fair manner, and I have not been given due process. The company along with XXXX XXXX has not acted in a way in which they are trying to assist and help small businesses. I feel the bank is liable for all the inflicted suffering that they have put the company through. I would also like to inform you that the Merchant 's Account was also shut down causing deposits to " not go into the account '', thus causing chaos and monies not being deposited in the business account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-18 00:00:00
Product: Bank account or service — Cashing a check without an account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Today I went into the XXXX PNC Bank location on XXXX XXXX XXXX. to cash a check that was written to me from XXXX for overpayment in the amount of {$47.00}. I asked the teller if I could cash the check. He continuously asked what kind of a business was XXXX. I explained that it was my insurance company and that they are an insurance company for military personnel. He had my military ID card and my state issued drivers license. Yet he was determined to prove that the check was not valid. When he finally discovered that the check was good, he said he would have to charge me a {$10.00} fee to cash the check even though the check said PNC Bank. He told me it was because it was a company check. I felt like he was discriminating against me. After service like this I would never open an account with this bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: BANK OF NEW YORK MELLON CORPORATION, THE
State: CO

Complaint narrative:
This is a complaint about transactions denied due to insufficient funds, involving BNY Mellon ( d.b.a. XXXX, an XXXX provider ). 
On XXXX XXXX, 2016, a health care provider ( XXXX XXXX ) attempted to run a charge against my XXXX account via debit card, for more funds than were in the account at the time. The charge was denied, which makes sense. 
Later that day, I looked at my XXXX account online and found that the " denied '' charge had actually translated to a debit of {$300.00}, which was all the money in the account at the time of the transaction. This transaction number had a unique identifier, Claim # XXXX. 
Eventually, BNY Mellon/XXXX voided that transaction, and it no longer appears in the customer interface I can see on the web. However, there was a period of approximately six days when this debit remained on the books. 
I called BNY Mellon/XXXX on XXXX XXXX, 2016, and was told by a customer service representative that this is " normal business ''. I was specifically told that when an XXXX debit card transaction is denied, the funds in the account may be " in limbo '' for 3-5 business days while things are straightened out. 
I do n't know if this practice is in violation of banking law or not, but it seems like it should be. It sounds to me like BNY Mellon/XXXX is processing debits immediately, but delaying credits for 3-5 business days, and possibly benefiting from interest in the mean time. 
This is my XXXX complaint about BNY Mellon/XXXX, the first being Case number : XXXX. This particular institution seems to be operating on the fringes of legal behavior. I 'd appreciate it if the CFPB could bring their resources to bear on the problem. 

Thanks, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
Received notice that XXXX XXXX XXXX NY XXXX NJ had XXXX violations for {$8.00} each. I have had XXXX Pass for over 10 years with auto payment on my CC. I have NOT received any violation notices XXXX in YEARS as I take the bus into NY every day AND my XXXX pass is on Autopay. If I had received any violation, I would have filled out the bottom to show I have an active XXXX Pass account. 

I have called Alliance One to get copies of these violations. No response at ALL. Alliance One is charging a {$50.00} fee per violation. Now there is a {$110.00} bill for something that is Autopay and I got no notices of violations in YEARS. I want copies of these violations NOT just numbers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Avid Acceptance, LLC
State: AZ

Complaint narrative:
I requested the company correct their reporting on my credit report and they responded with a threat to garnish my wages and withdraw the signed payment agreement we currently have that has not been broken by myself in any way. They are now threatening to void the signed contract and force me into other options I can not do. The options they are trying to force me into are as follows 1. sign a new agreement for a higher payment amount that they know I cant afford. 2. Settle the amount in two lump sum payments again they know I cant afford. 3. Threatening me to garnish and they only way to avoid it ( in their own words is to file chapter XXXX bankruptcy which I cant do. They have contacted my employer to ask personal questions about my pay and advise my employer of my debt and their threats. They have also refused to respond to me in regard to the incorrect reporting on my credit.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
As a way to improve my credit score, I signed up for a PNC credit card. I already had a bank account with them and they had been sending me offers through the mail. The idea behind this was to both raise my credit ceiling, improve my debt-to-credit ratio and to take advantage of a 1-year 0 % APR offer. I opened the card XX/XX/XXXX. 
But the card they gave me only had a {$1000.00} limit. My total credit card was about {$3000.00}. 
When I received my credit card package, I was first told that I had a 60 day grace period to move balances. So, immediately I moved over {$1000.00}. I paid it down and called back at about the 6-week period. An associate then told me that I actually had until XX/XX/XXXX to move over balances. 
So yesterday ( XX/XX/XXXX ) I called back and they told me it was actually a 90-day period through XXXX XXXX. But that I was still within that window if I wanted to do a transfer. We had gone through the transfer prompts and I had given her the information. Right before we completed the transfer, she told me that since I had just made a {$220.00} payment, she suggested I called back the next day to make sure that that had gone through. 
When I called back today, they told me that I had missed the 90-day period by 5 days and that there was nothing they could do to change it. What I do n't understand is how the woman was able to nearly complete my transaction yesterday, but today nobody had any recollection of it nor could they replicate it or show any record of the interaction at all. 
If you take them for their word, it shows that their phone tellers are absolutely clueless. If you look at it cynically, then it looks like there was an effort to stop me from utilizing the 0 % APR offer to my advantage. 
Unfortunately, I got the reference number for today 's call : XXXX. Yesterday, I had n't foreseen any difficulty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My wife and I were denied access to information ( appraisal ) on a new home purchase, have not been able to obtain a copy of our appraisal for over 4.5 months. In addition we received critical disclosures late and were notified after closing our home with in a flood hazard.

Company response to consumer: Closed
Consumer complaint received 2016-06-10 00:00:00
Product: Consumer Loan — Pawn loan
Issue: Lender sold the property — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
The original loan was for a motorcycle in which, I co-signed for my daughter 's then college boyfriend who we felt needed some help. The bank has now changed several names and different ownership. National City Bank is no longer and back in the XXXX 's not much done electronically, I had a payment booklet and the loan was paid off. At the time I never received a former letter or the title to motorcycle since the bank became defunct. Therefore this new company XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX, XXXX bought these defunct pay loans for pennies on the dollar trying to collect on bad/ written off or closed loans. I was contacted in XXXX 2015 stating I owed thousands of dollars from this company. Needless to say I was strong armed into thinking I did and I agreed to much lower amount and paid them {$800.00}! I made XXXX payment of {$200.00} dollars each via check. I have filed a local police report with my local police department and in process XXXX, where I live, XXXX, and then I am doing the same process in the state XXXX where this company is located. Therefore once they received the last payment I was promised my title and end of loan paperwork. When called again the person is conveniently unavailable and when called by the police he was hung up on as well. I will be uploading my paperwork as requested from this so called company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Stearns Ventures, LLC
State: NJ

Complaint narrative:
I refinance my house 2 months ago and I did n't receive my escrows back from Sterns Lending 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