vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-09-17 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: CA

Complaint narrative:
To Whom It May Concern : I was the victim of a car accident XX/XX/XXXX and I kept receiving the same bills regarding my visit to the XXXX XXXX XXXX ( XXXX ). I wanted to wait until the settlement was complete before I paid it off. I also wanted to make sure no new bill were or would be issued before settling the person 's insurance. Therefore, my XXXX bills were understandably taken to collections ( AllianceOne ), but I explained to them the situation and I paid off all the bill regarding my XXXX bills by XX/XX/XXXX to the collection agency on behalf of XXXX XXXX XXXX. I confirmed by phone multiple time ( XXXX times ) with the hospital that my account had been XXXX out. My attorney also confirmed that these were the only bill that I had or will have regarding this incident. On XX/XX/XXXX I received a call from AllianceOne trying to collect a bill from that I have never was issued. They said they received this bill on XX/XX/XXXX ; almost 1.5 years after my accident. And after my attorney and I had taken measures to make sure all my bills pertaining to the incident were resolved. I tried to dispute this bill with XXXX XXXX XXXX, so they took it out of collections, but they never resolved it. I was consistently corresponding to them for about 1.5 months. I even had my attorney tell them that we had asked for all the bills pertaining to the incident. They stopped corresponding to me for about 1.5 months. On XX/XX/XXXX this started up again. This time I asked for a " verification notice, '' detailing terms in which the clients has asked. I have not received any such letters. I has been over 5 business days. I also got a " print screen '' version of my " new bill '' which they claim I have been receiving since last year, but there would be no reason for me to not receive these bills if I had been receiving the other bills before. I have been trying to file dispute with XXXX XXXX XXXX again as there are items which are duplicated including items that I have already paid for and new items for treatment I did not receive. The patient billing manager refuses to try to respond to my requests. I tried to schedule an appointment with her, but there has been no response. I have filed a compliant with the hospital online and in-person, but have not received a response.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC allowed several very fraudulent transactions to occur on my checking account. This includes a check where the payee was whited out, a new payee written, and my initials forged next to the whiteout in a state I no longer resided in. This also includes a telephone ACH payment from a state I no longer reside in. Over the last two weeks, I have been in contact with PNC nearly every day ( either in person, by chat, by email, or by phone ) and they have done nothing to resolve the fraud and get me my money back. I have not been contacted by letter like they have said they would, or by phone, or by email. I have no way of even verifying that they disputed the charges at all. Worse, they put a freeze on my bank account without my consent ( or even informing me ), so despite having thousands of dollars in their bank, my available balance reads {$0.00}. My paycheck got direct deposited into the frozen account and got XXXX out with the rest of my money, and they refuse to allow me access to it, claiming it 's " for my protection ''. They wo n't allow me to access any of my money until the fraud is resolved, but they 're not taking any steps to resolve the fraud, leaving me unable to pay rent, buy food, or pay bills.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Credit card — 
Issue: APR or interest rate — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I was offered the PNC Cashbuilder card in a local branch with 0 % interest for 12 months. It was discussed that it so-uld be a good tool to aid me in paying for my upcoming move. I signed up for the card and carried a balance each month. Each month I was not charged interest as expected. Until last month, where I was charged {$20.00} in interest. I contacted PNC and the placed my issue through their escalations department. They ( XXXX ) requested that I show them the paperwork I have. Upon looking at the summary I discovered that it appeared I had been deceived and that the 0 % interest applied only to balance transfers. I explained the issue and my dissatisfaction with being tricked after 8 years of being a customer. XXXX clearly had no concern, and told me there was nothing to be done. I asked if I could close the card, and she obliged and let me know if an {$18.00} credit that would remain and be mailed to me as a check. This credit was NOT a reimbursement of the interest charge, she told me they would not credit the wrongful interest charge. I requested the account closed. Immediately after returning home from work that day I dug deeper into my statements and discovered the lack of prior interest charges despite carrying a balance which suggests that it was a no interest card. I also discovered that I had not been credited the {$120.00} in rewards that I had submitted weeks prior to this event. I immediately called XXXX back and left a message asking her to call me. After not hearing from her that day I emailed her the following day along with XXXX more voicemails on her direct line. It seems I am being taken once again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-09 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
XX/XX/XXXX I have an IRA with PNC Bank ( Investments ) in CDs at Acc. # XXXX XX/XX/XXXX, XX/XX/XXXX & XX/XX/XXXX. 
XX/XX/XXXX & XX/XX/XXXX, I received the required minimum distribution ( RMD ) from PNC since certain funds were available in the Acc. as cash. 
XX/XX/XXXX, I received {$9000.00}, from PNC XXXX to the extent cash was available in the Acc. and the rest was in CDs. 
XX/XX/XXXX, I spoke with PNC agent, on phone, at which time I was told XXXX CD has matured a week ago, and the cash is sitting in the Acc. ( at a nominal interest ). 
As soon as I saw PNC statement for the period XX/XX/XXXX to XX/XX/XXXX, XX/XX/XXXX, I tried contacting PNC agent on phone and thru email ; after couple of days we spoke on phone and I reported the issue that 'I have not received the balance RMD due per the statement ( {$23000.00}. ) '. 
After 2 to 3 weeks of phone calls/emails, PNC sent me a check for {$23000.00}. as part RMD for XX/XX/XXXX which I did n't cash it, yet ; and requested PNC to send me a revised Form XXXX for the full amount of RMD. 
On, XX/XX/XXXX, in a phone call, PNC agent declined to issue a revised Form XXXX Thus, PNC is making me liable for IRS penalty of XXXX % on RMD : see what-else PNC did in this matter. And the issue is " who is responsible for the failure in RMD under this situation? '' On XX/XX/XXXX, PNC agent sent me a letter by XXXX which says we " will now consider this matter closed '' and attached a letter dated XX/XX/XXXX which says " If you have satisfied your RMD requirements for this year, no further action is required for this year. If not, you may have to withdraw your RMD by XX/XX/XXXX or you could face an IRS penalty equal to XXXX % of the amount that you fail to take '' I wrote to PNC " I did n't receive this XX/XX/XXXX letter, if you have sent it to me please send me a receipt to verify '' PNC always sends letters thru XXXX, never in US mail. So, PNC could n't provide me proof of delivery of this letter -- because, this letter was never sent to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Podium Mortgage Capital LLC
State: WA

Complaint narrative:
I am being improperly charged PMI after multiple requests for cancellation by Pinnacle Capital Mortage Corp ( XXXX ). My loan-to-value ratio is now at XXXX % and I am still being charged PMI despite multiple written and oral requests for cancellation. I have held my loan for more than 2 years and have had no missed or late payments. My lender has engaged in systematic obfuscation, including providing multiple mailing addresses to send written requests for cancellation, failing to acknowledge receipt of written requests, and misquoting Homeowner 's Protection Act laws to dissuade me from pursuing PMI cancellation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I have been trying to collect an amount owed to me by PNC Bank since XXXX XXXX XXXX. I received a refund from an intuit purchase and they credit it to my old debit card that was drawn from PNC Bank. PNC Bank contacted me via writing ( Exhibit A ) to let me know of the refund and provided a contact XXXX I tried more then ten times calling this number and none of the PNC employees that I spoke to ever forwarded the {$210.00} owed to me. After so many months of frustration I finally sent a letter in writing to a PNC Bank representative at a local branch where I opened my banking account. Her name is XXXX XXXX XXXX. This letter was sent certified mail XXXX XXXX XXXX XXXX XXXX and was delivered on XXXX XXXX XXXX, ( Exhibit B ) To this date I still have not had a response nor has my money been returned to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: VA

Complaint narrative:
I am an XXXX service member with XXXX. I have a leased BMW that I 'll be turning in under the SCRA. I am 1-year into my XXXX-year lease and put approximately {$4200.00} down as a down payment. BMW will grant me early termination of the lease but they are refusing to give partial reimbursement of my down payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PNC Bank N.A.
State: ID

Complaint narrative:
In XX/XX/XXXX I lost my home to foreclosure. There was a XXXX and XXXX mortgage, both held by PNC ( aka National City Bank ). XXXX mortgages were recorded. 6 months after the foreclosure, I was contacted by PNC as to how I was going to payoff the XXXX mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX 's for XXXX the XXXX and XXXX and filed them with my XX/XX/XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XX/XX/XXXX XXXX XXXX contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as XXXX XXXX, XXXX reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from XXXX a XXXX Mortgage Discharge for this XXXX mortgage that was XXXX in XXXX. I 've heard and read multiple places of this criminal activities by XXXX XXXX which has been closed down by the Feds, and now is XXXX XXXX doing exactly the same criminal things.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
I have a Certificate of Deposit with PNC Bank. On XXXX XXXX, I sent a notarized letter requesting this account be closed. I have received no communication from the bank, but after calling their helpdesk, I received confirmation that the account had been closed. 

It was claimed that a check was sent to me, though I did not receive it. On XXXX XXXX they claimed that they would resend the check. I did not receive that check either. On XXXX XXXX I called and complained again, and they said they would resend the check overnight. It 's XXXX XXXX and the check still has not arrived.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I recently be came informed of the National City Bank settlement, which charged XXXX and XXXX borrowers higher prices on their mortgage loans between XX/XX/XXXX-XX/XX/XXXX. According to the National City Consent Order Administration, I was told today that since my name and address was not listed, therefore, I was not sent a form package to submit by their deadline XXXX XXXX, XXXX. It seems that both National City Mortgage omitted me from their package information distribution settlement ; although I paid 6.75000 % interest in XX/XX/XXXX and in XX/XX/XXXX paid 8.7500 % on a fixed mortgage according to my print outs from their website. During this period, multiple changes of account numbers, multiple payments to National City Mortgage and countless issues. 
All long, PNC Bank, negotiated the acquisition of National City Mortgage purchased in XX/XX/XXXX, but did not reveal itself until XXXX XXXX or XX/XX/XXXX to its ' borrowers. And I am facing Foreclosure under PNC Mortgage with no relieve in XX/XX/XXXX. 
As for the settlement, if the borrowers were not made aware of the settlement by National City Mortgage and PNC Bank was fully aware of this response time frame as well ; why was this information not disclosed to all borrowers. It seems that non-disclosure limited their liabilities to select who they were reimbursing the XXXX settlement. Why was I not informed nor participated in this settlement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
On XXXX, I went to the local PNC branch to convert {$1000.00} XXXX to XXXX. This amounts to XXXX ( XXXX XXXX ). I was told 2 things, 1. It will take approximately 4 days for the XXXX ( XXXX XXXX ) to arrive at the local branch. 
2. If there was any leftover XXXX from my trip, I can always re-convert the left over XXXX back to XXXX. 
On XXXX, the XXXX Government banned the XXXX and XXXX. When I called my bank, they said that the XXXX are present at the bank but are in XXXX and XXXX denominations. I refused to except those XXXX denominations. I asked that they either convert the money back to XXXX, OR give me XXXX denominations that are acceptable ( i.e. XXXX ). I was told that their " Foreign Exchange Dept '' is no longer accepting the XXXX. 
I am now short {$1000.00}, and the XXXX is at the local branch. I will not accept this non-functional currency. There has to be some type of insurance for this. I chose to do the foreign exchange with PNC Bank because I felt a sense of assurance from such a large bank. 
The staff at the local branch are courteous, and are doing their best. The Bank Manager is working on this issue, and I hope it gets resolved soon.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have tried repeatedly to submit my mortgage payment for electronic funds transfer ( EFT ) to PNC Mortgage. I had done so with the prior bank servicing my mortgage and had no problems accomplishing this. Unlike the prior bank, which allowed you to enroll for EFT online, PNC insisted that you complete the request through paper work. PNC then twice either negligently or intentionally delayed the EFT payment, assessed me late charges as a result of their delayed payments, and initially refused to waive the late payment. This is true even though they had access to my bank account ( as reflected by my bank account records ) and express instructions to make the EFT payment. 
In my history of home ownership, I have never once previously missed a mortgage payment or been assessed a late payment penalty. I believe PNC is acting in bad faith and seeking to impose and collect unnecessary late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
BMW Financial Services, XXXX refinance department told me that they would refinance my balloon payment that is now due with them as long as I had a cosigner. I have a cosigner that was more than qualified credit-wise and employment wise and XXXX is still saying that this is not enough. He made a discriminatory comment about my relationship status and questioned my relationship to the cosigner. Prior to today, he told me that he would approve the refinancing of my balloon payment on this same vehicle with a cosigner. At no time did he put a stipulation on the relationship of the cosigner by saying like he did today that we had to have " lived in the same household '' at some point. Then, he proceeds to say that it probably will not be approved because of the " relationship status '' but he would note the account. I am wondering at this point what is he noting on my account? 
I purchased this vehicle brand new XX/XX/2011 at no time was my race an issue as it seems to be now. I make the same money, in fact more money than I did when I purchased the vehicle and owe over XXXX less now than what I purchased it for XX/XX/2011. I have never experienced such blatant discriminatory and rude comments and unprofessional treatment from any BMW representative as I have while attempting to keep my vehicle. XXXX XXXX shared with me what I needed to do to refinance this balloon payment on my vehicle and I have more than done so by having the income and a more than qualified cosigner contact the refinance department. XXXX is the representative that I have spoken with about the refinancing of my vehicle XXXX is the one that has taken our applications, and is the one saying that it will probably not be approved before he even finished taking the application over the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I took out this loan in XX/XX/XXXX for {$20000.00}. I have been paying the monthly amount of {$190.00}, with only {$61.00} per month going towards the principal. 

As of XX/XX/XXXX, the balance is approximately {$16000.00}. At this rate, it will take me another 12 years to pay this loan in full and at the end of the 20 years, I will have paid {$46000.00}. 

They have applied {$960.00} in late fees to the outstanding balance because I fell behind when I lost my job. I caught the loan up as soon as I was able to do so and have been current ever since. 

I am concerned that this is a " predatory loan ''. 

I look forward to hearing back about this loan in the near future. 

Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05 00:00:00
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
This complaint is regarding International money transfer by PNC Bank, XXXX XXXX XXXX, XXXX, PA XXXX. 
I am permanent resident in XXXX. I support my family who lives in XXXX. 
I have tried to send wire transfer to my mother and my niece and multiple ones of them were unsuccessful, resulting in increased financial burden for me, taking time off work to perform these transfers and having to go to the bank to check on transfers, they would not perform it over the phone, I need to go there and present my government issued ID. 
The first wire was send on XXXX XXXX, 2015 for {$9000.00}. It went through without a problem. 

The second wire was send on XXXX XXXX, 2015 for {$17000.00}. This wire did not go through. I went to the XXXX Branch and had discussion with the person sending the wire. Who would not give me any answer, I was told it was bank policy not to tell me about it. I was given no recourse. 

The third try at wiring the money happened from XXXX branch on XXXX XXXX, 2015, where I was told that the amount I was trying to send before is above the limit of {$10000.00}. So it has to be broken down into XXXX separate wires. I agreed to send this wire for {$9000.00}. It did not go through. Upon my inquiry, I was told to take my account somewhere else. 

Then I went to the downtown branch in the XXXX XXXX XXXX building. The person there told me that the previous XXXX wires did not go through because, the wire operator in the wire room entered wrong information. He also told me that I have a valid reason to transfer {$17000.00}, no reason to pay double the fee, it can be send by a single wire. He send the wire and confirmed with the wire operator exact information that was entered. This wire went through. 

Another wire was send on XXXX XXXX, 2015. This was for {$8000.00}. The wire was not received by the intended recipient. I went to the bank and inquired about it on XX/XX/2015. A phone call was placed by XXXX XXXX to the wire room, she was informed that there are multiple wires about which he is getting complaints, i think he said it was XXXX XXXX. I was told by the branch manager XXXX XXXX that she will pass it on but there is nothing else she can do to help me. 

Attached are all the copies and receipts. 
Thank you, XXXX XXXX XXXX. 
Phone # ( XXXX ) XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC repeatedly requested duplicate information which I mailed or faxed multiple times. In addition, they had access to 3 years of tax returns directly from the IRS. They still declined my modification request

Company response to consumer: Closed with explanation