vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-29 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
Please see prior Case number : XXXX whereby we had problems with PNC and their insurance representatives not knowing what they are doing. I have faxed the appropriate documentation to the insurance fax line and waited for a response. When I did not get a response, I submitted an email to XXXX XXXX from PNC who handled last year 's complaint. As of this date, I have not gotten any response as to why we are continuously harassed about insurance coverage that has remained in effect since the day we purchased the townhouse 10 years ago! On XXXX/XXXX/XXXX we received a letter from PNC that they need our flood insurance info ( of course this was sent by the insurance company but notice the renewal date is XXXX XXXX, so how is it that they are looking to have received a renewal policy and written a letter to me within 24 hours? I of course faxed that info on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX they respond 'thank you. '' On XXXX/XXXX/XXXX I received a nasty gram that PNC is now looking for my condo coverage which I faxed, but also called and spoke with XXXX letting her know that PNC has no need for this policy as they made me buy an XXXX and that policy is in effect until XXXX XXXX. She said the XXXX was n't necessary and even offered to send me a letter to that effect. See letter from PNC dated XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX I received yet another letter from PNC contradicting what I was told and said that they will buy insurance as there is no coverage. My insurance company has sent all materials on a timely basis and PNC claims they never get them, I have the wrong coverage, etc. I faxed the material described above and have not heard back from PNC as of this date so there must be a black hole where all PNC mail ends up! In addition, there is not one insurance representative that knows what is going on. Note on each paper the name and extension of the person I spoke to. The only thing I did not ask was whether this representative worked in the FL or OH call centers. We have already cancelled insurance escrow from the last complaint because PNC cant get it right so now what can I do to stop this harassment? I would like the Consumer Financial Bureau to determine what recourse I have against this mortgage company and wish for these complaints to be published as I have already notified our HOA for any other mortgagees that are having the same issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have a home equity line of credit with PNC BANK ending number XXXX. I filed bankruptcy in 2009 and this debt was discharged in the bankruptcy. However, they are still on the lien of my property. I realize this, and I wanted to offer a one time settlement to resolve this issue. I called PNC and received a settlement package, and submitted all the necessary documents. My settlement offer was declined with a reason DOES NOT QUALIFY. I understand I do not qualify, but there is NO REASON given to me, WHY I DO NOT QUALIFY. I am attaching the ambiguous letter I have received. After XXXX conversations with the representative at XXXX XXXX XXXX XXXX x XXXX XXXX XXXX XXXX, she can not provide me with reason with what DOES NOT QUALIFY mean. Evidently it is not any of the reasons that are listed on the letter. I just DO NOT QUALIFY for any reason no one knows. I want to know specifically WHY I DO NOT QUALIFY. This is too general of a reason they have given. Perhaps my investor/OWNER OF MY LOAN does not do settlements, therefore, they should never have sent me a settlement package and let me know immediately this. I am left with no workout options, because I do not want to sell my house or do a deed in lieu. Could you help me please.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-06 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
On XX/XX/2016 we made a deposit to our checking account through the ATM that should have covered another check we knew we would be writing later that day. Our deposit slip from the local ATM branch DOES NOT state funds will be withheld or not immediately available at the bottom. The following day, I have an overdraft fee on my account that I can not understand. Online banking register shows the deposit being made several line items BELOW where the other check was processed, yet I am charged. Both transaction dates state XX/XX/2016 online and deposits are considered before withdrawals. In speaking with a bank rep over the phone, I am informed that online banking will display deposits on the date they are initiated and NOT necessarily when they are available. He offered to mail me a pamphlet explaining PNC deposit policy. My complaint? If PNC would instead make it crystal clear to their customers by displaying these deposit transactions by the processing or availability date instead of the initiation date ( most people know when they make deposits anyway ) many customers would then be able to correct these issues or modify their deposit methods. They could also consider displaying the " These funds are not immediately available '' clause at the bottom of ALL printed receipts instead of a select few further confusing the customer ... of course, PNC would lose money ... so ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have a account with XXXX other pnc users but after alittle while i noticed money missing i ask the XXXX pnc users and the said money has disappeared and when we look it up online it shows where it has bin tltaken out but it doesnt show witch card number i had atleast XXXX dollars in this card and for it just to be gone and not able to do anything is outrageous can u help please and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17 00:00:00
Product: Debt collection — I do not know
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 have asked Professional Adjustment to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: J J Marshall & Associates, Inc
State: TX

Complaint narrative:
I have been trying to get validation of a debt that is being held by JJ Marshall & Associates.What they sent was a print screen and what is reporting on my credit report does not even match what they supplied. Also I asked for a break down of fees, payment history and copy of the signed legal agreement and again the only sent me a letter and print out screen.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
I am a first time home buyer and I purchased a home using Stearn 's Lending Mortgage Brokers in XXXX 2016. I was failed by Stearn 's Lending and the apprasial company because I trusted what I was told by both the apprasier and the mortage broker. The apprasier valued my home for XXXX without considering the roof and the bank allowed this to happen. I am now in a hardship financial situation now because the apprasier that was selected by Stearn 's Lending to appraise my home did not appraise the roof for any damage or age issues. I questioned my Stearn 's broker about it and told her I was not happy that the roof was not apprasied and how could the life span of the roof not contribute to the value of the home. I asked for the appraiser to be contacted and asked to go back and appraise the roof but she said they were not able to interact with the appraiser because they were an independent company. That made no sense to me but sense I was a new home buyer and trusted her information I believed her. Now that I have closed on the house, I learn that there are XXXX roofs on the house with a hole in the left corner and dryrot all around the whole perimeter of the house. I 've had XXXX roofers look at the roof and both said they would not patch a roof with that much dryrot so my only option now is to replace the roof. That is XXXX plus for me to pay when it should of been addressed before I purchased the home. The roofer also noticed that part of the outside wall of the back of the house was not wood but actually plaster! I was told that the seller did that cheep repair just to sell the house but when it rains, that plaster is going to start crumbling. The seller also repaired the master bedroom celing by spraying a sealant instead of using sheetrock. Once again here is something that should of been reported by the apprasial because it was visually accessable to him but it was n't listed at all. I want CFPB to look into my problem because I am in a hardship situation and I feel like I was taken advantage of. The value of the home could not be what the apprasier set it as with a roof with dryrot and a hole in it. I feel like there was some sort of fraud or neglect by the apprasier and the mortgage broker to protect me and put me in a house that is totally functional. Since they did not protect me it has left me in a financial hardship and a home that may incure structure damage and be inhabital for me and my son to live in if I do n't get this roof and wall repaired. I am devistated, please help me. Thank you

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 2017-03-24 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL XXXX Your company have violated FCRA 615 ( f ) ( 15 U.S.C. 1681m ( f ) ) ( f ) Prohibition on sale or transfer of debt caused by identity theft You have not responded to my request to provide me with an investigation report. 
I need this resolve, under the Fair Credit Reporting Act, these disputed items may not appear on my credit report if they can not be supported by any evidence ( 1 ) In general No person ( company ) shall sell, transfer for consideration, or place for collection a debt that such person has been notified under section 1681c-2 of this title has resulted from identity theft. 
( 2 ) Applicability The prohibitions of this subsection shall apply to all persons collecting a debt described in paragraph ( 1 ) after the date of a notification under paragraph ( 1 ). 
( 3 ) Rule of construction Nothing in this subsection shall be construed to prohibit -- ( A ) The repurchase of a debt in any case in which the assignee of the debt requires such repurchase because the debt has resulted from identity theft ; ( B ) the securitization of a debt or the pledging of a portfolio of debt as collateral in connection with a borrowing ; or ( C ) the transfer of debt as a result of a merger, acquisition, purchase and assumption transaction, or transfer of substantially all of the assets of an entity. 
A person that furnishes information to any consumer reporting agency shall have in place reasonable procedures to respond to any notification that it receives from a consumer reporting agency under section 1681c-2 of this title relating to information resulting from identity theft, to prevent that person from refurnishing such blocked information. 
The reference items are listed below please take this matter very serious DOCTORS BUSINESS BUREAU XXXX I have report your company to consumerfinance.gov As a form of record and I am prepare to sue your company Example In re XXXX Telephone Consumer Protection Act Litigation, Case No. XXXX, in the U.S. District Court for the Southern District of California Stop collection proceedings against me Signatures on applications and accounts Investigators report XXXX, XXXX XXXX SEC # XXXX DOB XX/XX/1994 CURRENT ADDRESS XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I contacted PNC to obtain account statements for account ( s ) I closed in XXXX or XXXX. I 've called their toll-free number many times about this issue and visited a branch at their direction. At the suggestion of XXXX of their representatives, I sent a letter to XXXX XXXX requesting these account statements. The bank 's response asks for a " notarized letter of instruction '' and a divorce decree. I think the first thing sounds silly - can they really demand a notarized letter for this request? - and, as to the second, I do n't have a divorce decree. I am requesting this information to assist with a marital separation agreement, and a divorce decree ( if we ever take that step ) will not be issued for at least a year or so. Further, there is no reason the bank would need a divorce decree to provide old account statements. ( I do n't remember if my husband 's name was on the account, but even if it was we 'd be joint owners so I would n't need his permission or proof of divorce in order to obtain account statements. ) Finally, the letter requests {$5.00} for each monthly statement, but PNC can not tell me how many accounts I had or when they were closed, so I have no idea how much money to send.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
My husband and I have a car loan with BMW through XXXX. Our payment is {$500.00} a month and which we signed up for. We 've had difficulty making our payments the last few months. We asked them to refinanced it and they said we were not approved. We told them more than once that it is hard to make our payments and they have not given us any relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Payday loan — 
Issue: Received a loan I didn't apply for — 
Company: CURO Intermediate Holdings
State: TX

Complaint narrative:
I was looking at my credit repot and I have never applied for a loan with this entity. I believe my ex-spouse whom I have been divorced from since 2006 has been using my ss # to apply for various loans, including this one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: VA

Complaint narrative:
On XXXX XXXX, 2016 I was notified by XXXX and XXXX that a debt was placed on my account by a collection company named Allianceone Receivables from XXXX, PA. According to the debt placed on my account, the original creditor was " XXXX XXXX of XXXX XXXX. '' I have never had contact with either company nor have I received mail, email, or a phone call from either company at any time for any reason. An online search found no results for the company " XXXX XXXX XXXX XXXX XXXX. '' It appears that Allianceone Receivables has created a fraudulent debt and illegally placed a debt on my credit report without first contacting me. I called Allianceone Receivables on XXXX XXXX, 2016 to discuss this issue. The automated system required that I input my social security number before I could talk to a person. Given the suspicious nature of this situation, I believe that it would be unsafe to enter my SSN into this automated system.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16 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:
PNC Bank checking overdraft account. A problem arose in XXXX when XXXX XXXX continued to draft a monthly payment from my checking after I had cancelled service with them and temporarily stopped using this checking account at PNC while out of the country. When I returned I discovered the error, XXXX reimbursed me, and I asked PNC to waive the overdraft charges. They refused. Within three months they closed the account and charged off the balance. In XXXX I contacted PNC and asked if I could pay the balance, in exchange for their cooperation with my credit reporting, and they agreed to report the status as " paid in full '' if I paid them {$1000.00}. I paid them that amount on XXXX XXXX, XXXX. They continue to this day to report the status as " Collection/Charge Off ''. I continued after my payment to call them and correspond with them to ask them to comply with what they had agreed to do. In the course of that communication, I discovered that the actual amount they " charged off '' was {$410.00}, which would be the amount they reported as a loss ( charge off ) for their taxes. This is listed on my account, in their computers, and I was given this amount over the phone by two PNC employees. This would be due to the fact that they sold the debt to numerous collection agencies, which would be income. When I began discussions to pay the " charge off '' amount, PNC repeatedly told me the amount was {$1000.00}. I had received offers from several of the collection agencies to settle the debt in amounts in the $ XXXX {$500.00} range. I did not trust that offer, and so I contacted PNC directly. For XXXX, PNC will be reporting my {$1000.00} payment as income. When the {$660.00} in income from the sales to collectors is added in, PNC has made a handsome profit on this account. The current status of the account is " Paid in Full '' - but PNC refuses to report this status, as they agreed to do, and they have dealt in bad faith with this account from the beginning when they refused to waive the overdraft charges, they lied to me point blank when they told me that they would report the account as " paid in full '', they lied to me repeatedly about what the " charge off '' amount was, and they continue to operate in a vindictive bad faith manner, with the groundless claim that they are " obligated '' to continue to report the account as " collections / charge off '' I demand that PNC report the status of this account as " paid in full '' - as that is the current status, and it is what they agreed to do before I made full payment. 
An interesting final note, when I asked for paid in full reporting status " if '' I paid in full, I asked for their agreement in writing. They refused. They said 'trust us '' - It is illegal to lie to customers in a collection process

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
This is a follow up complaint to Nationstar Mortgage. They have responded to my complaint about my escrow account being used exclusively for property taxes. They claimed that they had " inadvertently, '' pulled money out for insurance back in XXXX. The truth of the matter is than when Escrow Analysis was done in XXXX of 2016, they INCREASED my monthly payment to account for the insurance. They have responded by asking my to " re-fund, '' the money erroneously sent to XXXX XXXX, where my argument is that money should have never been sent in the first place and my payments should n't have increased by {$45.00} in XXXX to account for the insurance. This is wrong and potentially unlawful.

Company response to consumer: Closed with explanation