vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-26 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On or about XXXX/XXXX/15 PNC Bank charged our account an overdraft fee when there was ample money available to cover the check in question. I was told that a " debit transaction '' was on " hold '' and that was the reason for this particular charge. I would think that a " debit transaction '' would post quicker than a check payment and automatically withdrawn from the available funds. Eventually that is not the case with this bank. This action plus the fact that PNC Bank continued to add additional fees basically making it impossible to get caught up. They would continue to redeposit checks over and over and now they are claiming our account is negative - {$430.00}. We received a letter from them dated XXXX/XXXX/15 stating that we are going to be reported to XXXX. The fees they are seeking are due to there handling ( holding debits ) against the account causing checks to bounce is intentional and a way for the Bank to take a persons hard earned money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
My home loan has been sold to this company. Since then it had been a complete nightmare and is starting to ruin my life. As soon as their system was set up to make automatic paynents, I signed up. Regardless of this I have gotten collection call. I have NEVER paid even a day late. Today I got a notice from them in the mail staying my XXXX payment has not been paid. I have also gotten call after call for as they put it " welcoming me to the company ''. I want to be left alone!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: JPMORGAN CHASE & CO.
State: CA

Complaint narrative:
I have a student Loan with JPMorgan Chase Bank ( Chase ) which is being serviced by XXXX XXXX XXXX ( XXXX ), poorly if I may add. I have been trying for months to release a co-Borrower, my Brother, who is in the process of qualifying for a home loan but is being impeded by this obligation. I am and have been fully making every payment since the issuance of the loan and furthermore have a much higher credit score ( XXXX pts ) and the reason they will not release my Brother is due to our credit histories according to XXXX XXXX Chase will not answer any questions, and when I ask to speak to someone at XXXX that can make a decision regarding this, I am referred back to Chase in a never ending loop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I applied to PNC Mortgage earlier this year to refinance my home mortgage and pay off my student loans. The bank, which holds my current mortgage, received my income data in the first few weeks of what turned out to be a five month-plus review process. It misleadingly encouraged me to proceed with the process, which cost me more than {$1000.00} in appraisal and other administrative costs, telling me repeatedly I had been " conditionally approved. '' The bank made unreasonable and continually changing documentation demands on me and then rejected my application. I disputed the the bank 's decision and especially the way it made it. About a month ago, I requested a refund of {$790.00} I spent on the loan review process. The bank has not responded to my request. I have attached to this complaint XXXX recent e-mail chains between me and PNC Mortgage officials : the first describing why I opposed the decision, and the second making the case for the requested refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
We have a chapter XXXX case going, our mortgage arrears are included in our chapter XXXX we are paying our chapter XXXX every 2 weeks on time. PNC is our mortgage company, I find out information by calling not by notices. My XXXX complaint- they do n't send notices! We were approved for a reduced principal modification back in XXXX, showing our XXXX payment due on XXXX XXXX, 2015. We sent all the paperwork back by the end of XXXX as requested, we signed and had the paperwork notarized. I had n't received any payment books or papers stating completion by the end of XXXX, so I called PNC to find out that the modification could n't be completed due to PNC wanting a motion from the bankruptcy judge approving the modification. I had no paperwork, or calls regarding this issue. I found out due to calling in to PNC. I talked with our attorney for bankruptcy and they were able to get the motion heard XXXX weeks later. Our attorney advised us that the judge will not rule on the motion due to the ruling being unnecessary. Our home is not included in the bankruptcy, only the arrearage. So I have n't heard from PNC, and we were planning on making our XXXX XXXX payment, I still have n't had any correspondence from PNC. I called yesterday XXXX/XXXX/2015 and found out that our modification was thrown out due to the judge denying the motion as unnecessary. I will attach the judges decision. I spoke with a person in the bankruptcy department for PNC and she stated that the denial due to it being unnecessary should n't go against us for the modification. I was asked to send in the letter our attorneys sent us stating that as expected the judge denied the motion as unnecessary. I called PNC today to verify and faxes take XXXX days to upload, the person in loss mitigation did say he would send an email to the closing department to see if they can get our modification reactivated. I was asked to call back on Friday afternoon. How can we get denied since a judge denied the motion as being unnecessary?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Prepaid card — Gift or merchant card
Issue: Fraud or scam — 
Company: U.S. BANCORP
State: CO

Complaint narrative:
I was given a visa gift card for my birthday, with a balance of {$100.00}. The card says it was issued by US Bank. 

Several months later I removed the card from its original packaging and tried to register it on the provider 's website. When I tried to register the card to verify the balance, I found it had already been used for the full amount on the card, leaving a XXXX-dollar balance. 

I called the customer service number as printed on the card and filed a claim. I was informed the transaction had taken place in a XXXX store in California on the day before my birthday. 

This week I was informed that my claim had been denied, because I had not filed it within 120 days of the gift card 's fraudulent use. 

As the card had remained in the original packaging until XX/XX/XXXX, and there were no instructions on the packaging indicating I was required to register it within a certain time period, I did n't have any information that I suggested registering the card and checking its balance was anything other than optional. 

Doing research online, this turns out to be a widespread problem, that has been going on for some time. There are a number of articles online describing others that have fallen victim to this scam. Some claim that hundreds of complaints are received each day. 

Unfortunately, the corporation selling these cards has yet to take any action to either prevent this fraud, or to warn customers of the risk of the fraud and what they must do to protect themselves should the card 's account be used for unauthorized purchases. No warning is given that if the card is not registered within a particular time frame that the card holder will not be reimbursed for the fraudulent activity.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-15 00:00:00
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Ditech Financial LLC
State: SC

Complaint narrative:
yes like my house caught a fire and my insurance pay them off. but there did not send me my refund check when my mobile house got pay-off. and I want to know where is it. because I ever nothing In the mail are anything. and I know there owe me something out my pay off. I pay them too much money a month try to keep my house I love my home that why I pay my money a month. and same time I be pay my money be cheat me same time. its not fair how people you and you try so hard to work with them. its got to stop because with them people work to hard have nice place stay too. there changed too money on mortgage it up and down on your payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I opened a {$40000.00} home equity line of credit with PNC Bank secured by my {$150000.00} home XX/XX/2014 with the agreement I would pay XXXX interest on any money borrowed as well as a {$50.00} annual fee. In one XXXX-month period ( XXXX - XXXX ) I paid three XXXX 3 XXXX {$50.00} " annual '' fees as well as two {$30.00} non-sufficient funds ( NSF ) charges that are not applicable to an account of this type. All but one of the {$50.00} annual fees are improper and should not be applied to my account. It is possible I have paid other fees, but the bank has refused to provide me access to my prior account history online. Two of the {$50.00} annual fees are improper because, obviously, I have only agreed to one {$50.00} annual fee per XXXX-month period. The NSF charges are improper because I have monthly payments automatically deducted from a PNC checking account, and the history shows no attempted withdrawals from that account during times of insufficient funds. XXXX One PNC customer service rep told me the NSF charges were prompted by an attempted withdrawal by PNC from an account that was different that the one I had set up for automatic payments and belonged to someone else. ) I have attached a screenshot of my account that shows the improper " annual '' fee and NSF charges. The bank has refused, despite several phone calls and more than XXXX hours of my time, to refund the improper charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-18 00:00:00
Product: Credit card — 
Issue: Privacy — 
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC

Complaint narrative:
I was told by Capital One in an email I was receiving new cards with no explanation. I checked my cards, they were not expired. I called n was told the new cards have a chip in them for tracking. I said I 'm upset that we are n't being informed in the email the reason is there will be a chip in the card. I spoke to supervisor who at first gave nonsense excuses - " they have XXXX people to inform ''. Them said it 's federally mandated we all have a chip on our cards. I said will you ever inform people it 's in their card? He said it will be in the terms n conditions when u get the new cards. That is in the small writing that no one reads after they first get cards! So now if the government has access to the chip mechanism they can track us anywhere we are n't if the chip allows it n so can Cap One n any other entity they give access to without anyone ever being basically informed that we have a chip on our cards. After the NSA phone tracking i consider this a next step and that we are n't not being ethically informed it 's in our card is reprehensible n unconscionable. I also blame the government for federally mandating it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
To Whom It May Concern, I recently applied for a home equity loan with PNC Bank for the amount of {$25000.00}. My initial loan estimate indicated that the estimated payment would be {$510.00}. 

The assessed value of the property per PNC 's assessor was {$530000.00} ( though I note that the assessor did not account for XXXX square feet of livable space ). My current mortgage balance is {$380000.00}. 

On XXXX XXXX, the underwriter issued the following request via email : '' Homeowners insurance dwelling coverage is insufficient. Will need dwelling coverage increased to cover total liens {$400000.00}. " This request is the reason I am filing the complaint. Homeowner 's insurance covers the value of the dwelling ( which per my homeowner 's insurance policy is ~ {$250000.00} ), not the value of the outstanding loan. The figure the underwriter wants to cover through my homeowner 's insurance is the outstanding balance on my mortgage ( {$380000.00} ) plus the value of the loan for which I applied ( {$25000.00} ). What the underwriter seems to be requesting, then, is something equivalent to Personal Mortgage Insurance ( PMI ). 

Even with the low assessment value on the property, the sum of my mortgage and the loan for which I applied would result in a loan-to-value ratio of XXXX %. Banks are required to drop PMI once the loan-to-value ratio reaches XXXX %. 

There are XXXX specific concerns here that I would like to bring to the attention in light of the above summary. 
1 ) The underwriter is asking for one type of insurance ( PMI ) that according to the rules is not allowed. As such, s/he would seem to be asking me to provide that insurance through my homeowner 's insurance. This is either an instance of gross incompetence ( i.e. confusing homeowner 's insurance with PMI ) or an attempt to skirt an existing regulation regarding PMI and, therefore, asking me to shoulder a cost that is not required vis. my loan-to-value ratio. 
2 ) The second concern is that the requested additional coverage would result in a significantly higher cost than was provided in my loan estimate. This expectation was not disclosed in my loan estimate and, as such, this request constitutes a violation of the Truth in Lending Act that obligates PNC to inform me of all expected costs. 

I have written documentation of all facts mentioned above that I am happy to forward to you. Should you require them, please do not hesitate to contact me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Reliant Capital Solutions, LLC
State: IN

Complaint narrative:
XXXX XXXX XXXX XXXX, Ohio keeps calling me up at workplace, home cell phone and any which way they can to make me owe a debt that 's not mine. I 've repeatedly told them to stop calling and send letters without proof but there 's no benefit.

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 2016-02-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Reliant Capital Solutions, LLC
State: IN

Complaint narrative:
Reliant capital LLC, XXXX, Ohio contacted me about a loan more than a month ago. I sent them a certified letter requesting information about the loan. All they did was send me an invoice/bill from company x, without answering the questions I asked to resolve the issue. 
Now Reliant has reported me to credit bureaus for collections which do not belong to me. I have repeatedly asked them to provide a copy of the award/aid loan letter and promissory note that I signed when I took the so called loan from them/somebody else that they are claiming to be mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
XX/XX/2017. My small business was a victim of identity theft by the bank. They opened multiple accounts and subaccounts in my business name and from what I was able to find out that there was a virtual credit card set up by the bank that linked all of the accounts together and some bank unknown bank personal then was able to transfer money and gain access to the money. I would like copies of those account statements that I know of and copies of others that I did not know of to include opening and closing statements. I would also like account information on the virtual credit card and who had access so that I may intelligently request the lost funds back. Your assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-12 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I 'm a customer of PNC Bank in XXXX NJ XXXX XXXX XXXX NJ XXXXWhen I came to the bank on XXXX I found that my joint account with my wife had been arbitrarily closed and the bank could not explain whyI have not instructed any one to close the account nor has my wifeWe found that the XXXX account was ok but our names are missing from the XXXX and XXXX statementsThey have registered a complaint number ending with the digits XXXX believe that this account has been closed in a fraudulent manner and my funds potentially stolen and need your help to fix the issueI 'm an XXXX citizenMy email is XXXXXXXXXXXX and may be contacted by phone at XXXXXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: GA

Complaint narrative:
My insurance company paid a bill to XXXX Hospital promptly and in full. I never had any further communication from XXXX Hospital or from the current company reporting me to collections, " Alliance One Receivables. '' I have provided them with copies of the paid bill from my insurance company but get no response and they are not removing this bill from collections. This is absurd - my credit should not be destroyed by a bill my insurance paid in full, promptly, quite some time ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC.
State: NJ

Complaint narrative:
I have XXXX and navient for XXXX of my student loans. They both boast that after 12 months of payments you can release the cosigner. So last year I started this procedure. I supported the documentation needed to both companies and received an approval from Sallie mae after the 2nd try and a rejection from Navient. After numerous re applying and then calls to them I come to find out that I have to make 12 consecutive payments of principal and interest to them and in XX/XX/XXXX a pymt was made but not equal to prin/int pymt. Even though I made a number of payments in excess of XXXX to XXXX dollars which did not count. So ok I wait till after my XX/XX/XXXX payment of prin/int and reapply. They go through the motions and reject me again after a credit/employment check. Stating I owe too much money and do n't make enough so they ca n't release my cosigner. All of which was never explained in the directions. I am beyond frustrated. My mother would like to be released and would not have agreed to be a co signer if this was known before we applied. Not to mention this loan has an interest rate variable of 7.25 % or more. The lady I spoke to was XXXX, her solution was to get another loan to pay this one off and get the cosigner off of it. Huh! That does n't make sense. I know there are multiple lawsuits against navient for these same practices. if there is a class action suit in the works i would like to be included in that. this company is bad news. i will never refer anyone to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
i purchased a vehicle from XXXX on XX/XX/2016 and i am currently having mechanical issues with the vehicle and the XXXX party agency XXXX that they use to provide warranty protection to customers is refusing to help with an issues that is " covered '' under warranty. they have already forced me to pay for a diagnostic test that was done at XXXX when they should 've covered that as well. there is no reason a customer should have to pay for any repairs if the car is so called " under warrant ''. i am very dissatisfied with this whole exp erience and wish to have nothing else to do with them. The loan itself is preda tory anyway and should not be legal. I am very unhappy with how i am being treated as a customer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: CONTRACT RESOLVE GROUP LLC
State: NC

Complaint narrative:
XXXX XXXX with a collection company has made several calls to my cell phone and work phone. He is very rough in how he talks to you. He tells you how to handle your business. He has also called my boss at my job and suggested that he give me some days off so that I can go get my finances in order. He discussed to my boss how much debt was owed. Everyone he has contacted ( even people that have nothing to do with the debt ) he tells them how much debt my husband and I owe and who it is too. He has even talked with other employees and told them we need to pay our bill. He even called our landlord and told him how much we owed. His practices needs to be reprimanded. The number to reach him is XXXX ext XXXX. His first call to me was XXXX XXXX at XXXX then XXXX XXXX at XXXX Then he called my work phone on XXXX XXXX at XXXX then again XXXX XXXX at XXXX and then contacted my boss on XXXX XXXX and told him how much debt I owed. ( See note attached ) He then called back to my cell phone once again on XXXX XXXX at XXXX He has since then called my husband on several occasions and a co-worker.

Company response to consumer: Closed with explanation