vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I have a mortgage with XXXX. On XXXX/XXXX/2015 I requested a pay-off quote for the following day along with wire instructions. I attempted to make the pay-off request over the phone but was informed that it needs to be made by email. The XXXX customer service representative agreed to email me wire instructions ( which arrived the following day, XXXX/XXXX/15 ). Still on XXXX/XXXX/15 I then proceeded to email the pay-off request to the pertinent email address with a pay-off request ( good through ) date of XXXX. 
It is now Friday, XXXX/XXXX/15, XXXX XXXX and I still have not received any pay off information from XXXX. To avoid accruing interest charges ( esp. over the weekend ) I wired pay off funds to XXXX at around XXXX XXXX today. I used the amount of {$81000.00} that was provided via their automated phone system ( XXXX requires wires to be received no later than XXXX XXXX to be considered on-time for that day ; they also caution that the phone system quote may not be used for the actual pay-off ). 
I have had liquid funds waiting for this pay-off since XXXX/XXXX/15. During this excessive waiting period those funds do not earn any interest for me while I am still paying interest charges on my mortgage. I paid off mortgages before ( most recently with XXXX Bank ) and it is usually a same day process from receiving the pay off amount to wiring funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I have sent 3 certified letters requesting validation showing my signature or contractual obligation to them and they ca n't seem to do that so I requested they remove this negative from my credit report and they refuse. This bill shows a date from 2010??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: TN

Complaint narrative:
PNC has Foreclosed on a property that was PROTECTED by an Automatic Stay that was in Force. This was done while a State Court Proceeding was pending AND A Federal Proceeding was pending. PNC has committed a WILLFUL VIOLATION OF THE AUTOMATIC STAY and the Sale should be set aside as being ILLEGAL. My Loan Modification was pending ... ... ..before a response was given The foreclosure Took place. I need Legal Help in fighting this bank from Illegally taking my Home.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: College Foundation, Inc.
State: CA

Complaint narrative:
I 've complained about how payments are applied to my student loan serviced by CFI, Inc to no avail. They continue to overcharge on interest. They say they use simple interest calculations, but they are n't. I 'm overpaying in interest every month. Over 50 % of the monthly payment gets applied to interest on a loan with a interest rate of 3.625 %. I 've paid over $ XXXX on a $ XXXX loan, and still have a principal balance of $ XXXX. the $ XXXX paid has been applied as follows : $ XXXX to Interest, {$12.00} to principle. Why does $ XXXX ( original principal ) - $ XXXX ( principal paid ) not equal $ XXXX? Why is my principal balance still $ XXXX. They have mishandled my account for quite sometime. My wife could calculate her CFI payments and interest and determine what her balance would be before she received her statement because it really is math. For some reason, my loan is undeterminable. They do what they want to do with the payments I send in. It should be easy math, but it 's not. They keep pushing my loan due date out despite my request not to, just because I make extra payments. We ca n't get anyone to fix the problem. They should be investigated. There is no telling how many other student borrowers they are overcharging. Educated at XXXX XXXX ( now XXXX university )

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 2015-07-18 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have a card with a 0 % interest offer on a {$7000.00} balance. 

In XXXX 2014, a {$25.00} purchase was made subject to a 14.99 % APR. Since the amount of interest was so small, I was instead charged a minimum interest fee of {$1.00}, which means the APR on that purchase was 16.6 % That {$1.00} aws then subject to the 14.99 % APR, which worked out to roughly XXXX cent. 

I was then charged interest on that fee the next month, which was subject to a {$1.00} minimum interest charge, which worked out to approximately 128 % interest on this fee. 

There is no amount I can pay, short of the entire balance, to stop being charged this fee each month. This has continued every month.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-21 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I requested Professional Adjustment Corp. SW FL, Inc. to send me a copy of HIPPA form to verify the debt. To date, I have not received any signed HIPPA form with my signature.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I am a PNC Bank customer who uses online bill pay extensively. Earlier this year I started noticing that PNC was automatically enrolling me in an ebilling program for several vendors. When I inquired about it they told me they couldnt stop it but would remove me on those couple vendors. I acquired a new credit card and entered it in and set up online payments but again found out had automatically been enrolled in ebill. When you are enrolled in ebill you start getting a lot of emails that seem geared towards collection of the bill. I contacted PNC corporate and what I discovered is they are doing this with all customers. My theory is that XXXX who does their online banking is charging vendors like XXXX for the ability to penetrate bank accounts and automatically enroll customers. This is wrong. It is a conflict of interest that should be disclosed to customers. I demanded that stop this practice for all customers and disclose it. They said they would stop it on my account only and ignored my request. Something smells rotten between PNC and XXXX. If disclosed its not a problem but nobody should be automatically enrolled in something in your bank account because a vendor paid for it. Your money is between you and the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-26 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Old case # XXXX we had this resolved. Same bank different complaint. Equity line modified, term not principal even though the house was appraised {$77000.00} less then the new equity line. I think they beat you until you will take anything after fighting for 3 years. The new complaint is I had to obtain a lawyer to tell me to stop paying PNC or they will not respond I had to ruin my credit. I asked them after it was al said and done what do I have to do to make my new loan current. They told me I would be on a trial bases for 3 months. I asked if I could make XXXX payments early to get current earlier. They said yes. I made XXXX, XXXX and XXXX payments XXXX XXXX. I was imfomed the following week that XXXX payment went into XXXX and my other XXXX payments went to principal and I still owed XXXX, XXXX and XXXX. I have been abused by this bank for 3 years. I would like to meet with someone from your agency to discuss this in person. 

Regards, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
BMW Financial Services claims I owe XXXX, it was previously a higher amount of around XXXX. The insurance company, XXXX, paid off the account less this amount. The vehicle was totaled in an accident on XXXX XXXX, 2016. The GAP company, XXXX XXXX, paid out the claim with no benefits. They claim the reason for this is due to an over payment by Met-life, they paid more than the stated settlement amount and according to a supervisor in charge, this caused the claim to be paid with no benefits. It appears they gave a different reply to BMW Financial Services claiming because the account was past due at the time, it was paid with no benefits ... Neither of their replies makes any sense to me and I believe they just make up a phony reason not to pay out. Needless to say, I refuse to pay a dime to XXXX XXXX, it will have to come from XXXX or XXXX. Complaints were filed with XXXX XXXX XXXX XXXX as well as XXXX office against XXXX, both unresolved. It appears XXXX ( XXXXClaims ) is shifting their response for non-payout of claim as explained before, their reply to XXXX named agencies stated over payment by XXXX caused claim to be paid with no benefits, no mention of account being past due. The amount of XXXX, is a settlement offer good through XXXX XXXX I believe. I have a counter offer of ZERO which is good until forever. If they are seeking any payment at all on this totaled vehicle, which was not my fault and have police report to prove it, I 'd suggest contacting XXXX or XXXXClaims. No payment will come from me on this totaled vehicle, not my fault. Please do not mark this as duplicate, there is additional information contained.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Auto
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
I have a car loan through a company called mas financial, they have repossed my car after I 've already made payment, they call me 20 times a day harassing me and my sister, they have texted my phone talking crazy to me and have texted my sister phone as well, is there anything I can do to solve this matter?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have had a HELOC with PNC Bank for many years. Recently, I discovered that the loan minimum payment had gone up considerably, but I was never notified of the change by PNC. I continued to pay the previous minimum payment on time ( it was actually set to autopay ). By the time I finally got in touch with them and determined the issue, they had reported my loan 30 days late twice to the credit bureaus. Once the miscommunication was cleared up, I immediately paid the overdue amount and it has been paid on time since. Unfortunately, because the late notices damaged my credit score, I am now unable to refinance and receive a more competitive loan. I am very skeptical of PNC 's motivations for their lack of communication re : the payment amount change. Although they had my correct phone number, I did not receive any messages re : the situation. Even going to the PNC website showed no indication on screen that the loan had any past-due status ( I have screen shots of this ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: OH

Complaint narrative:
My mortgage is through Stonegate Mortgage Corporation. It has been for two years. For XX/XX/2016 I did not receive my payment coupon to make my payment. Knowing it was due, I used a statement from XX/XX/XXXX to obtain a mailing address for payments so I could mail my payment on time. The payment was mailed on XXXX/XXXX/16, before the late payment date of XXXX/XXXX/16. On XXXX XXXX, 2016 I noted in my bank account that the payment had not cleared. I contacted Stonegate to inquire and they informed me that they had a new payment PO Box as of XXXX XXXX and sent me a letter on XXXX XXXX with the change of address with my coupon. However, I did not receive that mailing. With a check # XXXX now lost in the mail I asked the representative at XXXX to waive my late fee of {$40.00} so I could pay with check by phone and that I would go to my bank, XXXX the next day and stop payment on check # XXXX that was now lost. They refused to waive the late fee and offered to waive the payment by check fee. I stated I would first go to the bank and check on the stop payment fee before proceeding with check by phone. When I went to my bank on XXXX XXXX, 2016 I was charged a fee of {$33.00} to place a stop payment on my check. I then called Stonegate again and initiated a payment by phone but again asked to have them waive the late fee of {$40.00} and they refused. They are not taking any responsibility that I never received their change of address letter that they claim was sent to me on XXXX XXXX. For resolution I want the {$40.00} late fee waived, Stonegate to reimburse me the {$33.00} stop payment fee, and my credit report to not have a negative report due to a mail error.

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 2015-10-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On Saturday, XXXX XXXX, 2015, I made an electronic deposit of my paycheck to PNC Bank on XXXX XXXX XXXX, in XXXX XXXX Maryland at around XXXX. I had been told by this bank that if I made a deposit on a weekend, no matter how late it was using the automated teller service, the deposited check/checks would be available by Monday morning and would cover my account. As of XXXX XXXX, 2015, I had approximately, {$240.00} left on my account. I made the deposit of {$730.00} on XXXX XXXX, 2015 which made my total account balance for Monday, {$940.00}. 

By Tuesday, XXXX XXXX, 2015, I received a notice in my e-mail that I was overdrawn in my account. PNC, deliberately held back the funds until other debit transactions where charged to my account because according to my statement, all the transactions including my deposit were all done on the same day, XXXX XXXX. My check for {$730.00}, had been deposited way before then. Plus, I was charged a double overdraft charge. This is not fair to consumers who have to pay their bills and are trying to do the best they can to manage them. 

I called PNC bank and I spoke with a Consumer Service Consultant, XXXX XXXX XXXX, who was rude, and kept trying to talk over me when I was trying to explain the issue that I needed help with. I kept asking to her to please let me speak with a Supervisor but she refused to let me and told me that their was nothing that a Supervisor could do to help me. She also refused to refund the overdraft fees and would not listen to any reason. 

I had explained to XXXX XXXX that I recently had had surgery and was unable to drive. My paycheck did not arrive until Saturday and I had to wait until someone to come and drive me to the bank in order to make the deposit. I had also explained to her that teller at the XXXX XXXX branch had told me that if I make a deposit using the automated system on a weekend, that my deposit would be recognized in my account the very next day, .. and that is the truth! 

I also have a screen capture of my account transaction from XXXX XXXX, 2015 to XXXX XXXX, 2015 for proof of this issue which I would like to get resolved. 

Thank you for your patience.

Company response to consumer: Closed
Consumer complaint received 2016-06-06 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a SFR as an investment property. I refinanced it in 2012. I obtained the refinance through a broker. ( In fact when we signed our mortgage papers we signed a document requesting that WE PAY ALL FEES DIRECTLY. That was not honored ) It was sold to XXXX Bank who serviced it from XXXX and then sold to PNC Mortgage who has been servicing it to this date. I requested that they cancel my impound account which they agreed to but they want to charge me {$250.00} to close the account. I do n't remember agreeing to this. Is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: College Foundation, Inc.
State: GA

Complaint narrative:
Payments were never late, always been enrolled full-time in school or there has been a forbearance in place or a deferment. Also all loans have now been paid off and consolidated but they have reported several loans with either XXXX or XXXX missed payments and this is negatively affecting my credit and journey of repairing and rebuilding my credit.

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 2015-06-09 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
The are trying to collect to from some guy that I do n't know. After repeated times I tell them I do n't know who it is they refuse to take me off their list.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15 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 requested numerous of times for a permanent modification in order to obtain a long term solution for my mortgage loan. However, PNC Bank refuses to offer such assistance in order to modify my loan from a " balloon '' to a fix rate mortgage. XXXX I was in the process to refinance with them in order to obtain a new loan with a fix rate, but I became unemployed. PNC " denied '' my application to refinance and for a modification because I was unemployed. I 'm back to work now and I still do n't qualify for a permanent modification because now I have income. PNC has been " Deceptive '' in their practices to make a decision for my application to obtain a modification. Not only has PNC been " Deceptive '', but " Discriminatory '' towards the location of my property since it 's seems most of the residents in XXXX, IL are being denied assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
There are two issues with my account : 1 ) on XXXX XXXX I was erroneously charged an overdraft service fee tor a debit card charge. 
When I opened the account I opted out of having debit card charges overdraft account as they should be rejected. 
In the past debit card charges that exceeded my account balance were rejected in fact there was a debit card charge rejected on the XXXX so why was I erroneously charged on the XXXX? 
2 ) on XXXX XXXX I made a check deposit of {$100.00} yet on the XXXX this deposit was reversed. I have yet to receive a notice or any information as to why this check was reversed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On the XX/XX/XXXX when I wanted to withdraw money from the ATM, the transaction was denied that I should contact my bank. I XXXX logged into my account via my iPad and to my surprise, discovered that there had been XXXX unauthorized transactions ( ATM withdrawals and POS ) totaling {$4700.00} that were carried out on my PNC bank checking account on the XX/XX/XXXX in Michigan State. Also I found out that there was an unauthorized transaction ( {$8.00} ) at a XXXX store in Michigan state carried out on the XX/XX/XXXX. 
I reported this immediately to PNC 'S customer service representative who informed me then that they had blocked my account to have me call the bank to verify if it was me that did the transactions the previous day. I told her clearly that I was not the XXXX that carried out the transactions neither did I approve or authorize anyone to do it. She then said that she would credit back the ATM fees and balance inquiry fees ( total {$12.00} ) that were debited to the account. She then submitted a claim reversal for all the unauthorized transactions and also gave me a reference number XXXX for the disputed claims. 
I am a XXXX and for sometime now, have been out of United States XXXX. In fact, I left the states in XXXX to XXXX where I stayed for XXXX months then left to XXXX XXXX where I stayed from XX/XX/XXXX to XX/XX/XXXX then back to XXXX for an XXXX. I still have my PNC bank debit card to the checking account and never gave out any account information to anyone. 
To my surprise, I received a letter from the bank written anonymously stating that they have completed their investigations and would not credit my account back to the amount of {$4700.00} for the XXXX unauthorized transactions. 
I then called back on the XX/XX/XXXX and spoke to another representative who then re-submitted the claims. Afterwards, on the XX/XX/XXXX my checking account was credited with only {$8.00} for the transaction at XXXX with a description of ( FINAL DISPUTE CREDIT ) meaning that the other unauthorized transactions totaling {$4700.00} were denied. 
I have tried severally to contact a supervisor or a manager that could help in resolving this issue but to no avail. I have only been transferred to leave a voice mail to an undesignated mail box. I have had a lot of phone " hang-ups '' and " run-a rounds '' on this matter so I decided to contact a competent authority to help in the resolution.

Company response to consumer: Closed with monetary relief