vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-10-14 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
My realtor has initiated a short sale with PNC in XXXX of 2015. Each time she and I have spoken to PNC we have both been given incorrect information pertaining to my loan. She has faxed to over XXXX pieces of requested documentation repeatedly and has been told the file would be submitted for short sale process. She had names, dates, and information logged for each phone call made. PNC did not even have my correct phone number, email, nor bank info which was provided numerous times. Their response is always " we attempted to contact you '' knowing the number was incorrect and continuing to call an incorrect number they had on file. Now I am being told I am eligible for a repayment/loan modification plan which does not make sense as my financial info was submitted ( again numerous times ) and the calculations they are using are not accurate nor correct. They have offered to reduce the monthly mortgage payment from {$2300.00} to {$2000.00} which again I am not able to afford this payment as I am the only individual currently residing in the property with reduced income by more than XXXX %. I am totally frustrated over the lack of communication and disorganization with the reps, team leaders, and supervisors on the phone. They can not even record the phone calls made which my realtor has logged which is telling me they do not keep accurate records and are providing inaccurate info to me. The team leader I spoke to today by the name of XXXX and also the rep by the name of XXXX XXXX ID XXXX both stated the info was not logged and a supervisor would have to pull the conversations and listen to them to verify what was said. At this time, there is a sale date set for XXXX XXXX, 2015 which I was told would be postponed until the offer letter expires on XXXX XXXX. I have no intentions nor can I financially keep this property and therefore have no other option but to pursue a short sale. My next phone call is to HUD which they advised me to contact to further investigate my file regarding pursuing a short sale. I 'm sure I am not the only account holder experiencing issues similar to this with PNC. They are once again the main reason why this file has been delayed since initiation back in XXXX as each time the info relayed is either incorrect or not relayed to where there is an understanding on both sides. Please begin the investigation asap and if need be I can provide updated financial info or whatever necessary documents required on my behalf. Thank you in advance for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
PNC Bank withdraw slips read : I, XXXX The undersigned XXXX, do hereby acknowledge receipt of $ XXXX Amount XXXX however they are requiring this form to be signed in advance, without receiving the funds, before they will transfer or relinquish the funds from my account. I refuse to sign for money I have not received yet as long as the verbiage stands, and the bank refuses to change the funds to a non past tense statement. 
I would be fine signing a withdraw document that had better verbiage, or signing in after actual receipt of funds. But in the current form it produces a legal liability and I refuse to perjure myself just to access my bank account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Profit Services Group
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX a collection agency called me trying to collect a debt from XX/XX/XXXX and XX/XX/XXXX in which was paid and I faxed a copy of the removal from my credit report. This agency is saying this is not enough information to prove this has been paid. In XX/XX/XXXX I was a XXXX, therefore that charge can not be on my credit..The debt from XX/XX/XXXX was paid in full and is on my credit report as being removed from my credit.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13 00:00:00
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PNC Bank N.A.
State: IN

Complaint narrative:
Letter from LawyerWe have completed an examination of your bankruptcy case and spoken with our lawyer. It appears to us that the firm has done nothing which has injured you. Understanding our position requires some understanding of a complicated and, in some ways confusing set of laws relating to the bankruptcy and the real estate which you own. Your state has an exemption for a certain amount of equity in real estate. That is to say in a bankruptcy the creditors can not sell your residence to satisfy their judgment if you have less equity in the home than the amount of the exemption. The bankruptcy court can only order a creditor whose judgment has matured into a lien on your property to release that lien if you have equity in the real estate and that equity is less than the amount of the exemption provided under your state 's laws. 
The problem here is that at the time of your bankruptcy you had no equity in the house. That is to say the amount of the mortgage was equal to or greater than the fair market value of the home. Under those circumstances the court can not enter an order to avoid the lien of the judgment. There was nothing that could have been done to get the court to do that. We attach hereto a copy of the Court 's opinion on our motion to avoid the lien which states what I have just told you. 
While there was n't a motion filed during your bankruptcy to avoid the lien, the Court has made it clear that it would have denied such a motion in any event. This does n't mean that you still owe the money to that creditor. You do n't! The judgment and the debt are discharged. The creditor can not take any action against you to collect the debt or enforce the lien. You should be able to refinance your mortgage without worry merely by showing the lender that you received a discharge in bankruptcy. 
I hope this is helpful and that you will be able to fulfill your economic plans in the future.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I had an online bill payment scheduled XXXX for XXXX, over the weekend I spent my money scheduled out as PNC banking showed it as available, however XXXX they still sent that payment causing overdraft of my account. I online chatted with them and sent them a message requesting they fix this problem and issue a refund, however they declined to do either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 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:
Open an business account with PNC, and after half years find out was charge XXXX dollars for service fee without any service, or authorization. I was told there will be no fee associate with the accounts, and it has XXXX account number but counted as XXXX. The fee is waived since I have a merchant account. However the merchant is never setup, the person in charge of my account setup has left despite my mulitple request to set up by emails and phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: STONEGATE MORTGAGE CORPORATION
State: NE

Complaint narrative:
At the time of closing, there was no mortgage insurance listed on our closing disclosure and documents. When we received our first mortgage payment statement, the amount due was {$92.00} more. I emailed our mortgage broker with XXXX XXXX and asked if he could explain the discrepancy. He responded 2 days later explaining that " for some reason, the payment letter and such given at closing did not include the mandatory Mortgage Insurance '' and encouraged us to pay the amount with the mortgage insurance from the payment statement. I do n't feel we need to pay the amount with mortgage insurance as this was omitted on our official closing documents we signed at closing. I emailed and mailed a complaint letter to both XXXX XXXX and XXXX Mortgage on XXXX XXXX, 2016 with a deadline of XXXX XXXX, 2016 to respond or I will file a complaint. I did not hear a response from either one of them and I am reporting our mortgage broker with XXXX XXXX. I did make our first mortgage payment on time for the amount we signed at closing ( {$1900.00} ).

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: WI

Complaint narrative:
PNC Mortgage is demanding that I provide documentation of cash deposits ( which I can not since they were cash amounts I saved over years ) even tho I have an amount for the down payment from clearly documented sources.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PNC Bank N.A.
State: IN

Complaint narrative:
PNC opened a credit card and spelled my name wrong XX/XX/2016. Error went unnoticed until 2 payments were rejected after I tried to pay from PNC site. I contacted bank I was trying to get payments from and they told me they rejected them because name did n't match account. PNC then closed my account. I called PNC to try to get them to change name on account and they told me they ca n't do it on a closed account. I eventually got them to escalate the situation and they told me they would call me back. In the meantime this maxed credit card hit my credit report because I ca n't make pull a payment to it. and has tanked by credit score while I 'm in process of getting a new mortgage. PNC has refused to reopen the account based off their error. I have checking account besides this account so they 've pulled both my XXXX report and credit reports so if there was an error in my name it should have been discovered long ago. PNC is claiming name is wrong on my checking account too. It 's been beyond frustrating as I 've been on the phone with them half a dozen times and there 's never anything the person on the phone can do and that they 'll contact me with an update. I 'm hoping this leads to someone that can help me. At this point they 're defrauding me of money by opening an account on my credit report ( not even my name ), tanking my credit score and charging me interest and fees while giving me no way to stop it.

Company response to consumer: Closed
Consumer complaint received 2016-07-02 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.C. System, Inc.
State: TX

Complaint narrative:
Due to the fact that my problem does n't have a best way to describe my issue above I have to explain myself. I sent a creditor 's validation letter to I.C. Systems Inc. I had my Personal financial coach speak on my behalf. XXXX XXXX XXXX spoke with I.C. Systems Inc. This was a Utility Bill from XXXX XXXX XXXX and I sent the letter for them to validate the debt. Accordingly, to the Fair Debt Collection Practice Act a Debt Collection Company has 30 days to validate the debt. In my case my debt was never validated by I.C. System Inc. In this case my debt should be removed from my credit report and out of the office of XXXX XXXX because they do not have the right to collect in the State of Texas. Accordingly, to the State of Texas no debt collector can collect in the state unless they are register by the State of Texas.

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 2017-01-12 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
I have been receiving automated calls all throughout the day, including evening after XXXX with no agent, just recordings, This is NOT by debt

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Direct Recovery Services, LLC
State: FL

Complaint narrative:
I receive numerous calls from a particular number and now I have friends and family telling me the same number is calling them asking for me.

Company response to consumer: Closed
Consumer complaint received 2015-05-06 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Several months ago I went to check the rewards points on my PNC credit card, which I have had for a couple of years, and realized I did not have any points. I called the service line to find out more about why I could n't find my rewards points on line and they said that I had opted out of the rewards program. I told them that is was not correct. I did not opt ouf of the rewards program and did n't know why anyone would. They said they 'd look into the issue. A few weeks later I received a letter in the mail telling me that becuase I did not notify them within 60 days of the opt out they could not credit me back all of my points, but as a " courtesy '' they would reward me my points for the last 60 days. I knew that I had not purposely outed out of their rewards program and so I called their service line, again, and asked to speak with a manager this time. He looked into the case and told me that when they ended their rewards program for the debit card, Their system must have also unenrolled my credit card from the rewards program becuse the two were linked and the debit card was the primary card for the rewards program. No where in the literature that I received about the debit card rewards program ending did it say that I needed to take action to ensure that my credit card would continue earning rewards points. As a result of them opting me out of rewards completely, I had not been earning rewards points for a year and a half. The manager calculated that I had spent over {$31000.00} on the card during that time and that they owed me over XXXX points. I 'm not a person who keeps very close track of my credit card points or choses a card solely for the points, but this felt like a lot of points to simply forfeit. He said he would submit the request for these points to be credited to my account but could n't ensure that it would be approved. Of course, it was not approved ( this was in XXXX of this year ) and the points have never been credited. I 'm to the point now that I am simply going to cancel the card. However, I wanted to submit this complaint because I 'm certain I 'm not the only consumer to which this has occured. It appears to me that a techical mistake on the part ( unenrolling the debit card and credit card at the same time ) of PNC is causing card holders to unknowingly miss out on their credit card points. Having workd in the XXXX for the last 7 years, this feel like an injustice that needs to be brough to light. The reference # of my case is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX XXXX, 2016, I walked into a PNC branch and applied for a check ready loan. I was instantly approved for {$50000.00} " check ready loan ''. I took the check to the Auto Dealer and I was told the check is not valid since I wanted to add my family member to the title. I returned to PNC branch. At the branch, the representative was instructed to destroy the check and I need to apply as a joint application. The Branch followed instructions provided by the underwriter. The application was entered and it was status as denied " Straw purchase '' I returned to the auto dealership and the agent there was able to provide me with a loan. I have excellent credit and worked very hard to maintain a high beacon score of over XXXX. The decline given at PNC was one unacceptable and secondly, tarnish my good credit. I consider this to be bad business practice and very disappointed as a consumer. I believe the PNC underwriter handle this situation with limited information and did not try to clarify or rectify any misunderstanding. Bad business practice affecting consumers in a negative way. 
PNC Application Reference Number : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
PNC Bank charged {$140.00} in overdraft fees, claiming XXXX transactions resulted in separate overdrafts of my account. I believe they manipulated the order of transactions in order to maximize the fees that could be charged. As the attached screenshot shows, they processed higher transactions first, which resulted in each small transaction ( each less than {$8.00} ) resulted in a separate {$36.00} overdraft fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-16 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: Pan Am Collections, Inc.
State: FL

Complaint narrative:
When I signed up for a Leading XXXX membership I told the representative that I might not be able to continue coming if I got a job. She said, " That 's alright, you can cancel if that happens. '' So, I went to the health club for about a month before I got a full time job and could no longer go. I continued paying the fees for about five months, but after that I just could see any purpose in doing so since I could not utilize the club. So, I called to cancel and was informed that I would have to pay off the balance. This is not what I was told I repeatedly tried to work something out with them, but they refused. This occurred five years ago. I want to file a complaint against them at this point. It 's negative option billing. I trusted what I was told and then they change the terms.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I 've been a loyal customer of PNC Bank for 10 plus years. Recently, they have started charging overdraft fees for pending transactions even when cash deposits have been made promptly and prior to these transactions clearing. I even have a flexible spending account linked to my primary checking for overdraft protection. This does not matter to them. After speaking to customer service serveral times, they can not explain these overdraft fees and just state that they are valid. PNC Bank has stolen several hundreds of dollars from me in the last several weeks. Blatant theft from loyal customers or any customer for that matter is not only outrageous but disgraceful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
Hi, my name is XXXX. BMW FINANCIAL SERVICES place a late payment on my credit report. It is dropped my score by XXXX points. BMW FINANCIAL services does not want to correct the error. They sent the statement to the incorrect address. I need to resolve this matter inmediately. I have been trying to reason with them and they did not want to do it. Please help it is affecting me personally in the business as well as mentally.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Credit card — 
Issue: Forbearance / Workout plans — 
Company: CAVALRY INVESTMENTS, LLC
State: MA

Complaint narrative:
I had a credit card with XXXX XXXX XXXX in 2009 who sold the debt to Calvary Portfolio Services LlC .When I told them I could n't pay because my husband had an XXXX, they would not work with me. They tacked on over XXXX dollars. 
In late charges and took me to court and filed a law suit, they have since put a lean on my House for a larger balance than what is owed. They will not send me a statement to prove There is a descrepency in what they are suing me for and the real dollar amount

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LENDER LIVE
State: AE

Complaint narrative:
Since XXXX XXXX XXXX XXXX ( Under Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX ) assumed my mortgage debt from XXXX In XXXX 2015, I have experienced nothing but harassing phone calls and now false reports on my credit report. Each month through multiple harassing calls I have informed and provided documentation that my mortgage has been paid for the month and that the lender has cashed the check. Each month is a different excuse, such as : they misread the account on the check or when I sent it through their web site, I was told it was the wrong account. Now they are sending letters not to my mailing address, but to the house ( which is rental property ). Also, they have began placing late payment information on my credit report. I have documentation of all cancelled checks, verification of payments submitted, and email correspondence where I have identified the issue each month and provided the information for them to correct. I have never been late on a mortgage payment or had any issues until this company assumed the mortgage. I would like this matter corrected and my credit report adjusted immediately. Your assistance is appreciated.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief