vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-10-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I wish to pay down on my mortgage so that I can get below the 80 % to remove pmi insurance and _escrow. Before I am allowed to do this I have to pay {$500.00} and have the home revalued. I told them all I want to do is pay them {$30000.00} and their response was that without the assessment the pmi and escrow charges will not be removed, and it will cost me {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: UT

Complaint narrative:
XXXX made 2 payments to my insurance company, one for {$610.00} and another for {$620.00} the second payment was without my knowledge. XXXX should have sent a second check for {$6.00} to make up the short amount. As a result of the second payment being made my mortgage payment increased. I have my payment set up on an automatic bill payment, and did not realize their mistake until I received a threatening letter that Loancare ( Sterns lending ) was going to start a foreclosure process. I call immediately and made additional payments to cover the increase escrow amount about {$120.00} and changed my future bill payment for the updated amount. I explained to the XXXX rep that I will not pay late fees for their mistake. The rep explained that I had to send my request in writing, which I did through email with no response. I 've I send another email that eventually I got a response that made absolutely no sense. I 've attempted to contact XXXX again multiple times by they do not have competent nor empowered representative to actually fix an issue. XXXX has charged me a late fee of about {$86.00} and have now charged another late due to the first disputed late fee not being paid of about another {$86.00}. Either XXXX is to incompetent to run an actual financial service company or the are deliberately corrupt, either way I 'm not having any success in getting them to correct my account and stop applying late fees and need help.

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 2015-10-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
PNC Bank charge me XXXX inappropriate overdraft fees for no reason. Per my account history I clearly had all the money in my account needed to cover all transactions. They took it upon themselves to just take XXXX {$36.00} charges out of my account completely unsubstantiated. When I contacted customer service they said they refuse to refund the money because " they do not provide courtesy refunds ''. This is not a courtesy, this is my money that they had absolutely XXXX right to take from me. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I got a mortgage from PNC Mortgage for my home. When applying for the mortgage I was told by my loan officer, XXXX XXXX, that I would be able to make bi-weekly payments that would be applied to the loan immediately and not sit in a holding account until the second payment arrived. I am now finding out that PNC 's bi-weekly payment plan holds the first payment in an account until the second payment is made, forming one monthly payment. Being able to make bi-weekly payments that are applied immediately to the loan was the main reason I chose PNC, but now I have learned that I was lied to. The conversation I had with XXXX was on a recorded line and I asked him this on XXXX separate occasions. This is the second issue that I 've had with PNC making false advertisements/claims to me on a recorded line XXXX XXXX call would have been around XXXX XXXX give or take a week ). Their actions are unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15 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:
As a Pnc bank customer, I responded to a promotional offer which was to deposit {$300.00} in my account if I agreed to open the virtual wallet account with a {$5000.00} deposit. The bank representative, located at the Pnc XXXX branch on XXXX XXXX in XXXX, VA, did not give me paperwork or written materials on the offer, which was sent to me as an existing customer via email. So I opened the account, met the conditions as outlined but never received the {$300.00} promotion consideration. When I filed a formal complaint with Pnc bank I was told I did n't meet the conditions. I asked for an explanation of what conditions I did n't meet from the bank in writing. I 've never received anything in writing. The bank assigned someone to investigate my complaint. I have called this person at least half-a-dozen times. They 've never gotten back to me. That 's where it stands today. I do n't hear anything from Pnc bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I requested PNC bank discontinue escrowing for insurance and taxes on loan number XXXX. They would if I paid them {$200.00} to stop the escrow. This is an example of a predatory lender charging unnecessary fees, I want to pay my own taxes and insurance and not have to pay {$200.00} to them to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
On XXXX XXXX, 2016, and XXXX XXXX, 2016 XXXX XXXX, an authorized user of one of my debit cards, as he has done so many times before, went to the XXXX XXXX XXXX ( bought now by XXXX XXXX ) on XXXX XXXX, XXXX XXXX in XXXX, Ohio. It is the closest ATM to us. He made a balance inquiry. No where on the screen is there a statement that a balance inquiry will result in a charge of {$3.00} if you do not have an account at this particular bank. I had {$8.00} in my account on XXXX XXXX and went to spend a little over {$5.00}. Because he did not know there was a {$3.00} charge for checking my account balance, I was overdrawn. It has taken me awhile to figure out what was going on. I would appreciate your interceding with this large financial intermediary and remedying their shadowy, venal behavior. This is another example of a large for profit entity leaching off consumers to, drip by drip, swell their profits. We can not afford to subsidize the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
Had a HELOC that was maturing with PNC Bank. I worked with PNC Bank to renew the HELOC ( place it on an amortized payout ). The process took longer than expected ... the approval was never an issue. Per their instruction I continued to make monthly payments on time. They have a XXXX4 month trial waiting period before the renewal is loaded into their system. Since the HELOC is showing matured in their system ... .they are reporting me ( as of XXXX ) 90 days past due ... even though I continue to make payments per the agreement on time ... I have never been over 30 days late on any debt in the last 20 years. I am a mortgage professional and good credit standing is vital to my license status. This has impeded my ability to borrow money at top tier rates. At last check my score had dropped XXXX points. I tried resolving directly with PNC Bank and with a formal dispute via the XXXX credit reporting agencies. If this formal complaint does not rectify the situation my next option will be to consult legal counsel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION
State: IA

Complaint narrative:
We received a letter dated XXXX XXXX, 2015. The letter stated we may be eligible for a FHA Hamp with Partial Claim. To accept this offer we were required to make our XXXX monthly " trial plan payment '' under our Trial Payment Plan. The Trial Payment Plan was as follows:XXXX payment : {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15XXXX payment {$1300.00} by XXXX/XXXX/15The plan further stated each payment had to be received by Stonegate Mortgage within 15 days of the trial payment plan due date. 
We made the trial payments as follows:XXXX payment {$1400.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15XXXX payment {$1300.00} on XXXX/XXXX/15We have successfully remitted the trial period payments and have not received any further notification from our mortgage company advising us how to proceed. We did receive a phone call from a Stonegate representative stating our trial payments were short by approximately {$40.00}. We challenged that statement and have documentation to show all of our trial payments were made successfully. The representative stated they would research the matter and get back to us. We have n't heard back. 
We need to know what the next steps are. We need to know if we are approved for the FHA Hamp with Partial Claim. We have n't received anything in writing or verbal from Stonegate advising us how to proceed now that we have successfully completed the Trial Payment Plan.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
I just received letter stating that FMA Alliance, LTD is collecting a debt on behalf of the XXXX. I have no idea what this debt is, and under my rights under the FDCPA, I request that FMA Alliance, LTD validate this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I submitted a QWR and a request for information regarding a HELOC from PNC - they refused to respond with any information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
On XXXX XXXX I took out a FHA mortgage loan, National City Bank was also the mortgagor ... I got separated from my husband, I then filed bankruptcy In the Untied States Bankruptcy Court case XXXX. The mortgage was discharged but forgot to cancel payments from my bank accounts. PNC continue to take payments totaling {$96000.00}. PNC BANK NATIONAL, filed a foreclosure action case No. XXXX CH XXXX on my home not allowing a face to face meeting prior to filing the foreclosure, not qualifying me for a modification or giving me credit for the monthly payments that were sent after the bankruptcy was filed. PNC has violated my rights committed fraud on the court. I am currently in Illinois Appellate Court case XXXX. XXXX. I am trying to keep my family and myself from being dis-placed and homeless. The attorneys continue to create false documents, and refuse to return my money after the bankruptcy was filed. I should at least be able to qualify for a modification according to the XXXX guidelines.

Company response to consumer: Closed
Consumer complaint received 2016-10-10 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: SUNTRUST BANKS, INC.
State: MD

Complaint narrative:
I have been trying to get a person bank account and have been denied by every bank due to being report to XXXX or XXXX. I understand that when an account is left in the negative or overdrawn that will affect the ability to get an account in the future and i have been working to get these problems resolved, but the last one i am trying to clear up is with Suntrust Bank. They have something on my banking history reporting fraud. I have tried countless times to contact someone that can tell me what this means and why it is on my banking background. Each time i call i am transferred over an over again and nobody can give me any answers and its becoming so frustrating. I opened an account at suntrust about 6 years ago for a XXXX my sister and I were starting together. We opened the account with a a check deposit that we received from the company called XXXX. The check was for about XXXX dollars. I opened the account and deposited this check and was told it would be held for 7 to 10 days because it was a large check and a new account. I understood an had no problem waiting. A few days later i received a notice in the mail that my account was closed and I would receive the money deposited by mail with in 30 days. When i called the bank to inquire why the account was closed i could not get an answer as to why and again was given the run around as to why they closed the account. It took me 3 weeks of calling and going in the bank to get the money we had deposited and due to them holding this large check an delay us getting the funds, our business suffered. We were a new start up bakery and were relying on that money to fill orders, buy supplies and fill orders from the XXXX promotion we had done. Once the account was closed i was unable to open an account any where else because suntrust reported to the what ever system banks check when you apply to open an account that i had committed fraud and my account was closed. Its been 6 years now an it still remains on my record and i have not had a checking account since. I just applied at XXXX XXXX and again was denied because of this suntrust incident. Im beginning a new business venture and need a bank account but do not know what i can do to resolve this issue. Thanks XXXX!

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 2015-10-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I purchased my certified pre-owned vehicle from a reputable BMW dealership in XXXX, 2014. I then had to take my vehicle in due to the car stalling and having to be restarted at times when I stopped at red lights or random traffic stops. I took the vehicle in this last time a couple of weeks ago as the car did not turn back on in the middle of a busy traffic Intersectin in XXXX California. A BMW dealership had to replace the complete fuel system at this time. I asked that BMW repurchase my vehicle since it has been documented that it is no longer safe. BMW, NA only offered to make me a lump sum payment of {$1500.00}. I do not feel that this vehicle is safe. I do not have the resources to not drive it and purchase another one. I have tried to deal with BMW but I feel like I 'm being pushed to the side and that they are not concerned with the serious safety issue this vehicle poses. I need help because I do not want to get into serious injury or worse because of the factory vehicle deficiencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
I 've had the same checking account with my bank ( formerly National City, now PNC ) since 2006, and there have never been any monthly fees or charges taken from my account. For the past several months, however, I 've had {$10.00} calculated service charges taken from my account, and I ca n't find anywhere on the PNC website what the charge is for. I have n't made any changes to my account or been contacted by the bank, and I do n't understand what the service charge is for.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-15 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: VA

Complaint narrative:
I have a mortgage that is currently being services by Sterns Lending/Loan Care. I went on line on XXXX/XXXX/2015 to make my mortgage payment only to find out that my payment had increased by almost {$400.00}. I called Sterns and was told that my mortgage insurance was doubled on my FHA loan in error after an account analysis had been done. They advised that they would do another account analysis that would take two weeks and fix the issue. I was told I would n't be charged late fees because of their error. I checked every day up until XXXX to see when my payment was corrected. On XXXX when I checked my payment was changed but still much higher than the mortgage payment that I qualified for and had been paying. They said the notes in the system were due to a shortage in my escrow account. I was issued a REFUND on my escrow overage less than two months prior to this happening ... .now I have a shortage? I asked why I as given a refund and now they are increasing my payment beyond what I qualified for or wanted. After being on hold for 30 minutes I was told by the representative that neither her or the manager could figure out why my payment had increased and that I needed to just make my payment. I went online to make my payment so that my credit would n't be adversely affected and I was charged the late fee that I was told would be waived due to their error.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-04 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: NJ

Complaint narrative:
I am a legitimate holder of an XXXX who has maintained an account in good standing. I can prove that their equipment malfunctioned on the reading end of the equipment because they read my tag both before and after the dates in question, however, they continue to harass me for 'administrative fees ' for the dates that their equipment malfunctioned.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
In XXXX 2015 I advised PNC that I was changing banks and that I wanted accounts and CC processing services closed. In XXXX I received a letter demanding payment for {$210.00} in service charges. I contacted a PNC representative and we agreed to a final payment of {$120.00}. That payment was immediately sent and PNC cashed the check within the week. Today I received another terse letter demanding {$39.00} or the will damage my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-16 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
My wife and I each purchased a {$2000.00} Certificate of Deposit ( IRAs ) from XXXX in XXXX IN on XXXX XXXX, XXXX. These were for XXXX contributions. That was the first time we ever did this. My wife filed these papers away at that time in a file cabinet. Future investments my wife filed in a different file. In XXXX of this year, XXXX, my wife found the file with these IRAs. Obviously we forgot about them as it is XXXX years later. We moved one time two years after we bought the IRAs but still in the same city XXXX. Then we realized not once had we received yearly statements. Since XXXX was bought out by XXXX, and PNC bought out XXXX, I took our paperwork to PNC. A gentleman in his early XXXX XXXX XXXX or XXXX? not sure of his name ) at PNC told me " I see your name in our system, but there is no account information with it. My XXXX return to PNC a week or XXXX later, and I received the attached letter " apologizing and no offer to help. '' I called Indiana Unclaimed and she said this is still under the XXXX year limit so it should be here, but she found nothing. Indiana Unclaimed directed me to some people who got me to you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: NJ

Complaint narrative:
On XXXX XXXX, 2016 I was receiving calls from my family members and friends stating that a XXXX XXXX was calling and leaving messages stating they needed to reach me. I then called the number that was left on my phone and was able to reach someone. This person told me this was in regards to a debt. I quickly pointed out that I had not received anything in the mail in regards to this debt. She proceeds to become very angry and keeps questioning me as to when I will be able to pay the money. I explained to her not until I received written verification and had an attorney looked at it. She continued to harass me, yell at me for wanting to have my attorney look at and verify this debt and not allow me to speak until I finally just had enough and hung up. I am very upset and feel violated and embarrassed as they called every single person I have ever come into contact with. To make matters worse I was never given the name of the debt collection company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-07-15 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I set up a payment for my car note and it returned as insuffcient funds to the institution i made my payment for and shows as " paid '' or posted to my bank account. My money is gone and my bill went unpaid!!!! No one know 's where my money is and now my car is up for repossesion!!!! The payment was posted to my account on XXXX XXXX, and said to have returned on XXXX XXXX which makes no sense at all, because i saw it posted to my account on XXXX XXXX, 2015.

Company response to consumer: Closed with explanation