vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-19 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have maintained a PNC Bank account since XXXX, XXXX and was placed in a traditional type of account with maintenance free checking, money market account and no fee ATM card. We had enjoyed that convenience for many years and even through several other bank offers. In XX/XX/XXXX, at the XXXX branch of PNC Bank, we were asked to change our account to a premiere or premium account feature with more conveniences and we reluctantly agree. Now, we just discovered that we had suddenly been charged {$10.00} money market account maintenance fee for the last 13 months because we were oddly required to come into a branch and change to yet another type of account or incur the charges. This is really very disappointing as it seems that now, the bank decides when to require its customers to physically come into a branch to change their account and quietly charge their accounts when they do not comply. The manager at the XXXX branch told me that since I just initiated the update today, they will refund only one of 13 months account charges. I need some investigation into this as this may be happening to many other customers. It is actually a glorified form of stealing from customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-08 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
We opened a free business checking account with PNC. The purpose of this account was to collect publishing residuals. We chose a free business checking account as we knew at first there would be very little money coming into the account. In XXXX 2014, PNC started charging us {$14.00} a month for this account. We neither knew about nor agreed to these terms. While gathering our paperwork for our accountant, we found that this account had only {$28.00} in it since PNC had taken out a total of {$110.00} without our consent.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 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: WA

Complaint narrative:
Debt collector trying to take legal action over a debt that is not mine. XXXX is for a traffic citation in 2013 for a photo enforced camera. I was not driving the vehicle, and the original collector was notified of this. They have since assigned it to a debt collector who has not validated the debt when requested, and also is now threatening to garnish and wages. The second is for financial Aid, which is also invalid as I have an account for my federal student aid, that is up to date. It is ALLIANCE ONE

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC
State: NC

Complaint narrative:
Our loan was sold to this company and we had no warning or say so. The loan was originally in both my wife 's and my name but this company took me off. This past XXXX they failed to send a bill for our mortgage and we did n't notice it until they sent a past due notice with {$77.00} late fee tacked on. My wife called them and they said not to worry, just send the payment. We did. In the meantime, they sent a letter admitting to the mistake. We kept getting late payment notice 's and warnings that we were in jeopardy of losing our home. My wife kept calling them, they said not to worry but, the warnings kept coming. We are now waiting for them to send a corrected payment slip showing the amount due. My wife has had XXXX and ca n't handle the stress. Please do something about these incompetent people.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: GA

Complaint narrative:
I believe that I have been a product of predatory lending XXXX XXXX XXXX XXXX and currently goes by the name of Bridgecrest. I purchased the vehicle from them in late XXXX for XXXX. I have been paying on the vehicle since then and as of today 's date I have already XXXX. The company states that I still owe XXXX dollars which is predatory. I was never told that I would be paying of XXXX for a vehicle that was work less than XXXX upon purchase. The sales person also stated that I would be able to pay the vehicle off early but when I called the lender they stated that I could n't. The sales person also stated that I would be able to refinance the vehicle with the lender and when I called to try and refinance they told me that I also would n't be able to so. When signing the papers the sales person had me thinking XXXX thing but eventually turned out to be a bunch of lies and untrue sales tactics. I have already paid for this vehicle more than twice and they said I still owe over XXXX dollars for a XXXX XXXX XXXX XXXX with XXXX XXXX miles. Research indicated that this company has been predatory with there loans and tactics for many yea years to make astronomical money and taking advantage of customers. I want my money back for inappropriate sales tactics and predatory interest rates. This is injustice to all consumers. They need to be shut down.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-12 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have an auto loan through PNC Bank. I started this auto loan XX/XX/XXXX. I have always made my payments on time every month. XX/XX/XXXX, I had to file for Chapter XXXX bankruptcy. I signed a reaffirmation agreement with PNC Bank for my auto loan, which stated that the loan would continue to report to all three major credit bureaus. On XX/XX/XXXX, my bankruptcy was discharged. Throughout all of this, I have continued to make on-time payments to PNC Bank for my auto loan. Despite signing the reaffirmation agreement and always making on-time payments, PNC Bank refuses to report any of my payments to the XXXX credit bureaus. However, when I first tried to resolve this issue with them, I have letters from PNC Bank stating that they were reporting my payments to the XXXX credit bureaus. This was a lie, though. I have gone through all levels of customer service at PNC Bank for the past two years, and they refuse to report the on-time payments, even though they lied to me and said that they would.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC allowed XXXX XXXX XXXX to steal over $ XXXX from my business account by approving his access. ( I 'm the only legal signer. ) There was a huge investigation, indictment and his guilty plea to a XXXX theft charge. Despite the admittance of his guilt, PNC does not want to return the money they allowed him take. 
In the process of waiting for his trial, I got another call from the police. This time they found my PNC documents on site of a raid for a Identity thief ring with all of my personal information. ( Name, address, SS #, Date of birth ). I 've recently recieve a letter from the Department of Justice advising of my victim 's rights on that case. Despite them allowing XXXX XXXX XXXX to take money out of my account and allowing my personal documents to be stolen, they still defaulted my commercial loan that I made attempts to stay current on as well as paying on the credit card that XXXX XXXX XXXX pled guilty on abusing. My business was never allow to benefit from the loan because XXXX XXXX XXXX was allowed to steal the money directly from my business account. Just yesterday they sent an appraiser to my office to prepare for an online auction of all my equipment. I just want to make the public aware of what can happen when you are too small to fight against someone as big as PNC. I 'm asking for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
IM HAVING TROUBLE WITH PNC MORTGAGE IVE BEEN TRYING TO GET MORTGAGE ASSISTANCE TO CATCH UP ON MY MORTGAGE PAYMENTS. MY BUSINESS LOST ALOT OF MONEY LAST YEAR FEEL BEHIND BEEN GETTING RUN AROUND FROM PNC MORTGAGE IVE SENT IN A COMPLETE PACK FOR MODIFICATION BUT THEY WONT WORK WITH ME. VERYU DIFFICULT BANK TO DEAL WITH.

Company response to consumer: Closed
Consumer complaint received 2016-10-28 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I ask if the person at the front if she could help me with a problem that i was having with the atm machine, and she was very rude, she stated that she could not help me at all, that for me to call the XXXX number on my card

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: ME

Complaint narrative:
My mortgage company is PNC. I have been a homeowner for 16 years with them and have never been late on my mortgage. I have my insurance and taxes as part of the escrow. A few years back I contacted them to see if I could refinance to get a lower rate. They sent someone out to the house, charged me XXXX and then told me that i could not refinance and my house was only worth a certain amount. The town in which i lived had the house assessed at double what the mortgage company was telling me my house was worth. Fast forward to this year, I asked the mortgage company if I could apply for a deed in lieu or a short sale due to the reasons of my husband passing away and my working in another state and the house sitting empty. At first, they told me that I was approved for a deed in lieu, took a lot of information from me and then the whole summer is spent with me putting my belongings in storage, all the while waiting for them to give me the next step of directions, only to be told at the end of the summer that i do not qualify for a deed in lieu or a short sale because my mortage is current. I told them that I had a letter proving that they told me that i had been approved and of course the mortgage is current, because I wanted to do the responsible thing and was awaiting to hear from them to tell me to stop payment. The person I was speaking to told me that they would not ask me to do that, even though I believe that would have been the only way I might have been approved. As I am trying to move on with my life in another state, I find that my hands are tied to seek out another home to buy. they sent me their official letter stating their reasons for denial and an address and number if I wanted to complain. The number was not yours. I found out about you through the article in XXXX magazine. I have spoken with a friend here in Maine who is a real estate lawyer and she was surprised that they had approved me for the deed in lieu. She suggested that i put the house on the market for the amount the town has it assessed at. So now, I get a copy of my mortgage statement which they send every month, even though I have direct deposit to them and as I am reading the breakdown on the statement, it says that my monthly payment of XXXX was received on XXXX/XXXX/2015 and that the payment to the principal was only XXXX! How can that be? My monthly payment is paying more for interest, insurance and taxes than the principal! Something is not right here. I would appreciate some advise and your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I took out a loan from PNC for school which my parents co-signed for. When I graduated I thought the PNC loan was transferred to XXXX with the rest of my student loans since I had not received a letter about interest or payments since I took out the loan. Sometime shortly before I graduated my parents went into bankruptcy. The other loan they co-signed for still sent letters about interest, explaining why they could no longer ask for payments and informing me that the loan was now in forbearance. No such letter came from PNC. Two years after graduating I got a postcard ad from PNC about having an account with them. This was the first time they had contacted me since I took out the loan. I called the bank to ask about the loan. They told me that there was no loan on file for me so I figured it was closed. XX/XX/XXXX my parents finished with their bankruptcy. Shortly after, PNC sent a letter to my parents that I now owed {$5000.00} more than what I took out since it had been occurring interest. I called the bank and they told me the loan was actually {$8000.00} more than the original amount and that they were not allowed to send letter since my parents were in bankruptcy. I explained I called and asked about the loan, which they said there was no record of, and that they had been sending letters about interest since I took out the loan. The phone number and address on file were both current with my parents so all letters should have been send to them. They are religious about getting my mail to me. I asked for a list of dates the letters were sent and the addresses. I was assured I would get this information but it never came. I even got a lawyer to send a letter but the bank refuses to help. I pay my loans on time and paid the interest on the other loan that was in forbearance. I have even paid off XXXX loans early. I would have paid the interest on this loan to prevent the {$8000.00} increase. I understand I owe the bank for the original amount and I will gladly pay it, but I would not owe {$8000.00} more if the bank had sent proper statements before my parents went into bankruptcy and had not told me the I did not have a loan with them when I called.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-05 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
Opened an account with PNC for its {$300.00} promotion for Opening a new Virtual Wallet with XXXX and fulfilled the promotion requirements. It 's been XXXX months and have not yet receive the promotion bonus, which is longer than the terms of conditions stated. 
Promotion link : XXXX? WT.mc_id=LP16_PNC_0005 & m=w

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Lender is not willing to issue an approval letter which gives the buyer adequate time to close the transaction. Buyer needs 30 days and lender has stated that it will only give 1 week. It is a ridiculous time constraint to close a transaction.

Company response to consumer: Closed
Consumer complaint received 2016-07-01 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
They call excessively every day on working hrs ... .I know I need to make my payment they do n't have to call so much

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: IL

Complaint narrative:
I received a check from Carrington Mortgage Services in XXXX XXXX and misplaced the check. I tried to cash the check in XXXX XXXX and was denied by my bank. I called Carrington in XXXX XXXX to request a new check and was told they will reissue it. Subsequently, I called every month to check on the status and received no check. I called them in XXXX and was told that they will reissue it. I called in XXXX XXXX, XXXX and spoke with an agent named XXXX who told me that the check was endorsed and cashed. XXXX told me to request XXXX XXXX ( my bank ) to fax over the letter showing that the check was not cashed. I called XXXX XXXX and they did faxed it to XXXX, the number XXXX gave me. I called back on XXXX XXXX, XXXX and was told by a female agent named " XXXX '' that Carrington never received the fax and the number belonged to another individual. XXXX informed me that she will email XXXX and his supervisor to follow up with me to resolve the matter. They have yet to call me. No one at Carrington had ever called me back to resolve this matter since XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-19 00:00:00
Product: Debt collection — Medical
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA

Complaint narrative:
Received a wage garnishment order for a medical bill that i did n't know about from XX/XX/XXXX. They obtained a judgement back in XX/XX/XXXX that i did n't know about either. I was never properly served ( they have an incorrect address ) I called when i received the one and only letter i got from them.explaining i was never informed and that i have a court order for my ex-husband that should have paid the bill.but they would n't listen.Spoke to me in a condescending way.They have been running my credit report every three months without my knowledge or consent to find me. i told them to cease and desist.but they dont

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-04 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA

Complaint narrative:
Carrington Mortgage charged me bogus property inspection fees every two weeks. They also put my payments in a suspense account and charge me late fees and report late payments to the credit reporting agencies. On XXXX XXXX they mistakenly took out XXXX payments for my mortgage when I had previously called to cancel XXXX. They have put me under financial strain and caused me to be late on other bills. My auto payment is late as well as utilities and credit card payments. Please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BBVA FINANCIAL CORPORATION
State: TX

Complaint narrative:
My bank, Compass Bank, chose to process all debits on a particular day before processing the credits. This, of course, led to overdraft charges. I went to look at their policy, and found the paragraph below, which basically says that they can process them however they want on any given day, in their total and absolute discretion. No doubt, they use this policy to consistently rack up overdraft fees. This policy is unconscionable and should not be permitted. 

This is the policy I found : Processing and Posting Order. You authorize and agree that we may, in our sole discretion, determine the order that we process and post credits, debits and holds to your account. You also authorize and agree that the order and/or manner in which we post credits, debits and holds may vary by product, service, account type or type of transaction. You also authorize and agree that we are allowed to pay or authorize some credits, debits, and holds, and decline or return others, in any order we deem appropriate. The order in which in which we post credits, debits and holds to your account may not be the same as the order in which you make the withdrawals from or deposits to your account. You agree that any order in which we process and post credits, debits and holds to your account will not be an abuse of discretion. If two or more items are presented for payment from your account on the same day, we may pay or charge the items to your account in any order without regard to any contrary instructions from you, even if paying a particular item or items causes the available balance for your account to be insufficient to pay one or more other items that otherwise could have been paid, which may result in the occurrence of additional or other service charges that otherwise may not have occurred. We may pay items drawn on us, debit your account for any service charges and other amounts that you owe us under this Agreement or otherwise, and we may exercise any rights of set off we may have against the account before we pay any other item. 

If an item was initiated at a point-of-sale terminal or a XXXX transaction or ATM, you agree that we may charge the amount of the item to your account or place a hold on your account in the amount requested by the merchant immediately upon authorization of such transaction, even though we have not then actually received the item for payment. We will make payment for a transaction only after the actual transaction is presented to us physically or electronically. Each such hold will reduce the Available Balance in your account by the amount of the hold.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-28 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: OR

Complaint narrative:
I am currently greater than 7 months past due on my XXXX mortgage with Nationstar. After repeated attempts to negotiate with my lender, I have exhausted my options. Unless my own finances miraculously improve in the immediate future, I expect to lose the house. 
The company representing my mortgage ( XXXX XXXX ) has repeatedly circumvented security measures in place at a gated suburban development in order to illegally trespass on an occupied residence under false pretenses. 
XXXX has, on at least three ( 3 ) occasions, conducted fraudulent inspections of my property in the process of illegally trespassing, despite the property being in good repair, interior furnishings and personal items being present in the property and clearly visible, and utility services being active. No reasonable attempt was made to ascertain the livability or current occupancy before the notice of abandonment was posted. Each time the notice of abandonment was posted I notified XXXX that the property was not, in fact, abandoned and/or vacant. 
I have repeatedly attempted to contact XXXX to request written confirmation that they understand that the property is still occupied and being maintained to livable standards, which they have refused. I suspect they will attempt to conduct another fraudulent inspection next month, and have threatened the inspectors with arrest and company with legal action should they do so.

Company response to consumer: Closed with explanation