vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-04-08 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Stonegate Loan # XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX Filed We started a short sale with Stonegate On XXXX XXXX, 2016. Last evening, XXXX XXXX, the homeowner received a call from Stonegate 's debt collection department. The male on the phone was very rude. He stated Stonegate was understaffed, not going to work on a short sale, and they were going to foreclose on XXXX XXXX unless the homeowner gave him in excess of $ XXXX immediately. This homeowner is understandably distressed by this action on the part of Stonegate. 

Aside from the lack of professional exhibited by the Stonegate rep, there are also several legal issues with this event. The Fair Debt and Collection Act has been violated in several ways. Harassment of the owner of a home and using intimidation in an attempt to coerce a current client. Threatening foreclosure on a home that has not yet been referred to an attorney ( we spoke with Stonegate staff on XXXX/XXXX/16 and verified this ). Stating Stonegate is understaffed to the point of inability to fulfill their servicing obligations and they are just going to foreclose on the homeowner. 

To top it off, this is being done to a Veteran with a VA Loan. Is the XXXX XXXX aware that Stonegate lacks the staff to service their mortgages in accordance with their servicing contract? 

We have since spoken with a rep in the short sale department who was disturbed that this had happened. Their supervisor has been apprised of this situation. 

It is obvious that Stonegate is doing this not only our client but all of their clients. The CFPB was created to end this kind of fraud. When is Stonegate going to be closed down?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
A pre-authorized check was written by my bank from my Interest Checking account to a closed, overdrawn account from the same bank without any prior notification that the account had been closed or that a specific amount would be taken out of my active account as payment or the closed account on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XX/XX/XXXX I logged online and checked my balance. I had electronic items pending as well as debit card transaction. I knew I had gas purchases so I made a deposit of XXXX which then made my balance positive by XXXX ( I have a receipt ) after the system updated that night I woke up to see my account was overdrawn by XXXX. The only thing that I can see possible is that PNC released my hold on a XXXX debit card purchase that I had did on Fri XXXX/XXXX/15 because my acct ended up being overdrawn by almost that pymnt. I called PNC and explained I know I overdraft in the past somewhat often but I truly attempted to not overdraft by checking my balance and then making that deposit. I asked for a courtesy reversal. I was told that he could n't extend one because I had a courtesy reversal on XX/XX/2015. I did n't recall having one because I do n't call for one since I know I overdraft at times. I released the call with him checked and it was n't a courtesy reversal. PNC does n't charge fees if your acct is overdrawn under XXXX. I had wrote a check and was off by XXXX cents and PNC charged me an overdraft fee and then reversed it with the phrase Reversal threshold. Im thinking since it was under XXXX and should n't have been charged. I called back the next day and spoke to a polite young lady who agreed that was a bank error in XX/XX/XXXX and that I did qualify for a courtesy reversal so she was going to escalate it further for me and I would get a call back from their escalations group. A week later I receive a call from someone who left a message with a number to the department. I called and spoke to a XXXX XXXX. XXXX was quite condescending and told me that its a myth that banks waive fees. I explained that it cant be a myth when XXXX prior cust service reps told me that fees could be waive. XXXX stated I had already had courtesy reversal which I did n't and the other stated I was right and she would escalate it. I even stated the calls could be reviewed. She continued to not listen to what I was stating and was n't even going over the transaction period that I was referring to ( XX/XX/XXXX-XX/XX/XXXX ) by the time I spoke to her since I thought I had everything covered I ended up over drafting my acct again and she kept speaking on those transactions. It was obvious she no longer was listening to me so I asked for the president name of PNC to write a complaint. She would n't give it to me. I asked for her manager and received XXXX XXXX who had to look up the name and spelling of the president of PNC but she did give it to me. She also stated that its a myth that banks waive overdraft fees as courtesy. By speaking to the prior to reps before this " escalation department '' I know its not a myth and I feel I have been lied to by XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We fell behind in our mortgage 3 months and applied for a modification with our bank. During the modification process our bank sold our loan. The process then began all over again with the new servicer. We were never approved, and never given a satisfactory reason as to why. However the assignment of mortgage to the new lender is fraudulent. ( Copy attached ). The issues with the assignment of mortgage are as follows. PNC Bank , National Association XXXX XXXX XXXX XXXX is not correct. PNC was successor by merger to XXXX XXXX who was successor by merger to XXXX XXXX XXXX. The said mortgage amount assigned states {$390000.00} which in fact it was {$160000.00}. There was no mortgage with that document number recorded in XXXX County at that amount. ( Copy of note attached ). The person signing over the assignment who 's name is XXXX XXXX, Vice President had no authority to do so until almost a year later. ( Limited power of attorney attached. ) Also I 'm attaching Forensic Loan Audit showing the break in the chain of title. This is wrong in so many ways and I want this cleared off the title and I want an explanation from PNC as to why they fraudulently sold my home and evicted me.

Company response to consumer: Closed
Consumer complaint received 2016-10-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
On XX/XX/2016, my accounts were closed by PNC bank branch located at XXXX, XXXX in XXXX in an unjust and unfair manner. This morning I met with the branch manager, XXXX, to determine why my Social Security monthly benefit was not available in either my checking or saving accounts. I talked with various bank representatives on several occasions to address a transaction that was flagged as fraudulent. In an attempt to help a neighbor, a wire transfer was deposited in my account on XXXX/XXXX/16 and returned on XXXX/XXXX/16. I incurred a return of deposited item fee on XXXX/XXXX/16 for {$12.00} ; continuous overdraft fees of {$7.00} on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16, XX/XX/2016,XX/XX/2016 ; and continuous overdraft fees of {$21.00} on XXXX/XXXX/16 & XXXX/XXXX/16. The total of these fees is {$89.00}. As on XXXX/XXXX/16, my saving account was charged off in the amount of {$210.00} and my checking account was charged off for {$290.00}. I still do not understand all the fees of how I owe PNC so much money! Previously my accounts have always been in good standing since their inceptions. I attempted to be accountable for the error of trying to help a friend and asked XXXX to deducted the amount owed from monthly benefit but he said " the Social Security Administration has flagged these types of benefits to not allow any of it to be used to pay bank fees ... and that is why the account was closed. '' I ended up sincerely asking XXXX bus drivers to allow me to ride for free because I did not have any money leaving the bank. Honestly, I have not had any money since XXXX/XXXX/16 & my birthday was on XX/XX/XXXX. I am a XXXX and my only financial account is- I mean, was with PNC . Now, I think I have to wait for a check to be issued and sent to me via snail mail ( I will address this matter tomorrow ). No one from PNC contacted me to tell me what was going on and as important, how to keep the accounts active and open. They just closed them and left me broke with tears! Please help & thank you in advance!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
Lease contract was signed on XXXX/XXXX/2016 and BMW XXXX was delivered same day. Noticed scratch on the rear panel and reported to the salesman, XXXX at XXXX XXXX. He arranged to pick up car 2 days later with a lesser class loaner in exhange. Car is being in the shop for 10 days, returning on XXXX/XXXX/2016. First payment was submitted through dealer for the XXXX/XXXX/16 lease date. Next payment due is XXXX/XXXX/2016, according to a billing error by BMW Financial. They claim that the dealer has submitted my lease with the XXXX/XXXX/2016 start date, even though the lease began XXXX/XXXX/2016. Nobody wants to assist and fix the error. They moved the due date 5 days earllier.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Alliance One, Inc.
State: CA

Complaint narrative:
XXXX violated my XXXX rights by providing my actual medical information ( Person Health Information ) to a collection agency, AllianceOne ( in an attempt to collect a debt ) in which there was no previous SIGNED authorization to do so. This serious violation occurred on or around XX/XX/2017. 

In doing so, XXXX provided this information to a collection agency ( AllianceOne ) which included information not required to to collect a debt : -- " Detailed Summary '' of Patient Accounting -- Patient Number -- Medical Record Number -- Department ( i.e., Trauma, General Surgery ) -- ICD 9-CM Procedure Codes -- Pathology of Condition The information collected by the collection agency clearly was a GROSS and TORTIOUS effort to disregard my privacy and clearly violates my XXXX rights as well as FCRA and FDCPA laws

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc
State: FL

Complaint narrative:
the " loan '' was induced by fraud. As there was not full disclosure to the material fact ( s ), In order for any contract to be valid, there must be 'full disclosure ', 'good faith ', 'valuable consideration ', and 'clean hands '. Which amounts to ; 18 U.S. Code 656 - Theft, embezzlement, or misapplication by bank officer or employee. 

1 ). I was not told that the Federal Reserve Policies and Procedures and the Generally Accepted Accounting Principles ( GAAP ) requirements imposed upon all Federally-insured ( FDIC ) banks in Title 12 of the United States Code, section 1831n ( a ), PROHIBIT them from lending their own money from their own assets, or from other depositors? The bank did not tell me where the money for the loan was coming from. 

2 ). I was not told that the contract I signed ( promissory note ) was going to be converted into a 'negotiable instrument ' by the bank and become an asset on the bank 's accounting books. Further the bank DID NOT tell me that my signature on that note made it 'money, ' according to the Uniform Commercial Code ( UCC ), sections 1-201 ( 24 ) and 3-104. 

3 ). I was not told that my promissory note ( money ) would be taken, recorded as an asset of the bank, and be sold by the bank for cash - without 'valuable consideration ' given to obtain my note. The bank did not give me a deposit slip as a receipt for the money I gave them, just as the bank would normally provide when one makes a deposit to the bank. 

4 ). I was not informed that the bank would create an account at the bank that would contain this money that I created by endorsing the promissory note. 

5 ). I further was not informed of the material fact that a check from this account would be issued with my signature, ( 10 U.S. Code 923 - Art. 123. Forgery ), and that this account would be the SOURCE of the funds securing the check that was misrepresented to me as a " loan. '' 6 ). Money is created on deposit, where the amount of the initial deposit is hypothecated XXXX in what is called " money multiplier. '' 7 ). " Fraud destroys the validity of everything into which it enters, '' XXXX v. XXXX, XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Reliant Capital Solutions, LLC
State: CA

Complaint narrative:
Reliant Capital Solutions LLC XXXX, OH XXXX I was checking out my credit report and found this collection on all XXXX reports from your company. I called XXXX XXXX to get my unofficial transcripts and found out I went to that school from XXXX XXXX to XXXX XXXX. According to the school, when I signed up for a class is when the debt started. 

This account that this company holds is over 4 years old and as such is over the California Statue of Limitations for debt collection. This date your company has that it was opened is also wrong - the date Reliant put on my credit reports for opened date is XXXX, XXXX. I do not have a promissory note for this debt. There are many inaccuracies in all XXXX of my credit reports. 

As such, I request that you close this old debt out and remove it from my credit score by all XXXX credit reporting bureaus. I am also sending all copies of what you received to all XXXX credit reporting agencies and the Federal Trade Commission Fair Debt Collection Act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION
State: CO

Complaint narrative:
I had sold my home and paid off the remaining balance on my mortgage. I am due {$640.00} for my escrow refund, it has been over two months and I have not received anything. I have contacted BBVA Compass to inform them and they claimed the check was sent, but again, it was never received. I requested for them to cancel the check and send a new one. They asked for me to fill out a cancelation form and return it before they would send another check. I did as they asked and it has been over two weeks, but I still have not received anything. When I call and ask for an updated on the status of my return, they simply transfer me back and fourth to different departments and never give me any actual answers. I requested to speak with a manager but they told me that there was not any available. I do not know how to proceed from here.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26 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:
In XXXX of XXXX, PNC Bank had a publicly available {$400.00} bonus offer on their website https : //www.pnc.com/en/personal-banking/banking/checking/campaigns/checking-offer-for-PNC-customers.html The offer stated : " Add a checking account to your existing banking relationship with PNC. Open a qualifying checking account ( Virtual Wallet with Performance Select or Performance Select Checking ) online and get {$400.00}. Simply establish a qualifying direct deposit of {$5000.00} or more within first 60 days and make at least one payment with PNC Online Bill Pay. '' Expiration was XXXX/XXXX/XXXX. I followed the instructions and met all the requirements of this offer. I had an existing relationship with PNC ( a saving account opened prior to that ). On XXXX/XXXX/XXXX, I opened a Performance Select Checking account online on PNC website stated above. I made several qualifying direct deposits of more than {$5000.00} within the first 60 days and made several qualifying payments with PNC Online Bill Pay. Recently, in XXXX XXXX, I called PNC to inquire about the status of my bonus and a representative stated that she did not see the promotion on my account. She said that she needed to send an inquiry to their escalation team. Then she asked me to provide her the advertisement of the offer. I can not locate it any longer since the offer is expired on XXXX/XXXX/XXXX and PNC pooled the link with the promotion off the internet. Now I can not prove to PNC that they advertised THEIR publicly available offer on THEIR website.The representative called back and left a voicemail that they refused to add the promotion to my account. To me this is a deceiving practice of the financial institution if they can not honor their own promotion after a customer met all the requirements of it within qualifying period of time. This was not targeted but PUBLICLY AVAILABLE offer and PNC should be able to find the details of it in their database and add it to my account while by some reasons it was not added automatically by their system at the time of my opening the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC

Complaint narrative:
I entered into a lease with BMW financial services four years ago. shortly after signing my lease I noticed the payment date was incorrect, I went back to the dealership and completed the form to change the payment from the XXXX to the XXXX of the month. Over the course of my lease I have had continue problems with the payment coming out on the wrong date. I have completed the change of date form a number of times, I have made phone call after phone call, where I am assured it has been corrected and will not happen again. There have also been a couple times where they will take more then one payment or not take a payment at all, where I will have to battle them to get it corrected. So after all this I have just found out that I have reports of slow payments on my credit bureau, because of the times that they have messed up. I have tried to resolve this with BMW financial however after trying for the past two weeks I have yet to actually speak with a supervisor or a manager to get to the bottom of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I had my banker, XXXX XXXX ( sp? ), update my debit card for international travel. He told me the card was outdated and he would have a newer, updated one sent to me. He never asked me to complete an application nor did I sign any. Three weeks later I received a new CREDIT CARD with a high credit limit. I called immediately to have it canceled and get guarantee this card would not appear on my credit report. The operator assured me they would cancel it and it would not appear on my report. It is canceled but it is on my report. I did not apply for a credit card, I was lied to and deceived by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: ME

Complaint narrative:
I recently filed a complaint with your organization and received a response from my mortgage company. I do not agree with their findings. In their response letter, they stated in the section titled, Deed In Lieu Denial, " A letter ( copy enclosed ) mailed to you on XXXX XXXX, 2015 advised that you could accept the offer to pursue a Deed in Lieu. '' My letter dated XXXX XXXX, 2015 states, " Based on a review of the information you provided, you have been approved for a Mortgage Release ( Deed in Lieu ). I have contacted XXXX offices for guidance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I paid a company named XXXX {$5000.00} on my PNC card for services i did not receive.i was repeatedly promised that they would provide me with a website which would be profitable.i trusted them only to be left empty handed.my payments and signatures were obtained under false pretenses.they were using deceptive marketing practices which are unlawful and warrant a full refund. I previously filed this complaint and with the CFPB and was just informed that they could n't find the company. There must have been a mistake because you were able to find PNC last time I filed a complaint with you. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XXXX I went to a PNC branch ) XXXX to request a new XXXX PNC card for the one I had misplaced, The Bank employee who I did not know attended to this matter and then began to ask question about my employment, commenting as a lawyer I must make a lot of money and then asking me how much I made a year -- none of which questions did I answer. 
A week or so later I received a letter advising me that an account had been opened for me which turned out to be a line of credit -- which I NEVER asked for. I complained to the bank and on XXXX/XXXX/16 I was advised that my loan has been paid in full. There was NO loan and I asked that my records would be corrected to show the TRUTH. This was not done and subsequently I was advised that " my recent credit bureau dispute about information furnished by PNC, Bank National Association to the consumer reporting agencies '' had been resolved as a " soft inquiry '' rather than a " hard inquiry, '' There was NO dispute between me any credit bureau ; any " dispute '' could only be one created by PNC. 
When asked various time to correct my records to reflect the TRUTH, and not paper over then to the benefit of the bank -- that has not occurred. I then wrote to the PNC CEO asking for correction and of this time have had no response. My correspondence every step of the way is in the hands of PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I opened a checking account at PNC bank, and decided the bank was n't a good fit for me. I ca n't close the account without incurring a {$25.00} account closure fee.

Company response to consumer: Closed with explanation