vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-04-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
PNC foreclosed our home in XXXX of 2012. PNC also owned the second which was a successive loan secured by a separate deed of trust on the same real property. PNC sold our debt to XXXX XXXX. This was a nonjudicial foreclosure. 
According to XXXX and XXXX PNC should have filed a deficiency judgment against us within 3 months of the foreclosure. 
PNC is now saying they did not have control over the second at time of foreclosure but we have emails that support the fact that they did have control over the second. 
We had a buyer for our short sale. The PNC the second agreed to settle the XXXX loan amount for $ XXXX. The XXXX agreed to the short sale amount. California XXXX stated that the XXXX had to be settled in escrow. That meant the XXXX had to agree to let this happen in escrow. PNC the XXXX would not agree to it. PNC the XXXX wanted all the money. Therefore PNC the XXXX foreclosed. This is all supported in the copy of the emails.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I have XXXX mortgages with PNC, the XXXX mortgage has an adjustable interest rate, the XXXX is going to mature next year, at that time the payment on the XXXX mortgage will XXXX. I reached out to PNC mortgage in hopes to do a XXXX mortgage loan modification, during the process they established an escrow account without my consent and offered to extend my loan to 40 years, ( from the current XXXX I have left ), and increase the interest rate for a $ XXXX/dollar savings per month. This offer was a slap on the face and clearly will put me in a worst situation in the long run. 
My loan package, per PNC guidelines, contained over XXXX pages of information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC mortgage forced escrow due to malfunction on my insurance companies side and they mailing out saying all the companies accounts we delinquent due to glitch. Well they reinstated them. My mortgage company " did not '' reinstate my insurance. They continued to escrow and not apply my mortgage. All though one i called they said they had received my policy hence the forced escrow should have stopped. I have emails and fax confirmations for 4 months now that I have sent the info needed. The collections dept ca n't call the escrow dept because they have different work hours. If they are to provide a service to collect then they need to have all dept open at the convenience of the customer to resolve any issues at hand and not have gaps in time and systems info communicating to all dept related to an account not just tid bits related only to that department. They returned my money reported it as not paid. Now reporting that to the credit bureau affecting my credit history. An email and I would have sent payment asap to avoid credit reporting issues.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XXXX XXXX, 2016 I set up to have my tax bill paid through PNC Bank 's website. It was scheduled for XXXX XXXX, 2016 in the amount of {$3400.00} During the week of XXXX XXXX, I received an e-mail from PNC Bank saying a payment of {$34000.00} was going to go to XXXX XXXX XXXX. I contacted PNC, was told they would waive the {$33.00} fee to stop the payment ( which I NEVER authorized! ) for the {$34000.00}. They stopped the {$3400.00} payment that was suppose to arrive at the tax office on XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20 00:00:00
Product: Debt collection — Non-federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: NY

Complaint narrative:
rude customer service. XXXX from reliant capital solutions keep calling me asking me personal questions about my 401k and bank account. I explained to her I do not have any money and she continue to be rude to me. I ask to be transferred to a manager and she refused to transfer me. It got to a point I had to hang up and call again to get someone else who transferred me to the manager. manager was n't even helpful. I asked if they can stop calling me all day and they said no ... ... ... horrible company. my school should be ashamed for hiring this company to collect money from students.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-20 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc.
State: MD

Complaint narrative:
I contacted this company called AllianceOne to attempt to settle my debt that I was unaware of until I pulled my credit for a potential employer. I now regret not getting the name of the people I spoke with in regards to this debt. When I first contacted the company they told me they had no knowledge of my debt and put me on hold to search there database. After a few minutes of being on hold they came to the line to tell me I had a {$1200.00} debt and that if I pay them that day, they could drop it to {$800.00}. I told them I would prefer they send me this in writing via mail before I make such a big payment to a company I 've never received anything from or heard of. The male I spoke to, stated I would receive something in the mail within the next few days. I waited a few weeks and never received anything, so I called the company back, to be told I would now have to pay {$900.00} to settle the date. I explained to the young lady that I had called recently and they was suppose to send me something in the mail, but I never got anything. So she said she would send me something and I can call them back once I receive the letter to start making payments. Once again, I never received anything, at this point I am fed up, so I call the original company that I owe which is XXXX, they apologized for the inconvenience but said I would have to go through this company to pay the debt, so they transferred me back to AllianceOne. This time, I asked to speak to a supervisor. When the supervisor got on the phone, she never asked me what I was calling for, she just automatically started to speak saying I NOW owe a XXXX $ to settle my debt. She said that every time I call back they up the price. I explained to her that I have called numerous times in the attempt to receive something in writing from their company and that I would not make such a big payment over the phone to a company that I have no knowledge of. She began to become very rude, saying that their company does not work like that and they would not be sending me anything and that I would have to make a payment today or the debt would remain on my credit. I told her I was never told that, the company I worked with previously sent me info with no problem so what makes their company any different. I then asked to speak to someone above her, she nastily said I would have to call back because the person above her is n't in.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Podium Mortgage Capital LLC
State: AZ

Complaint narrative:
The lender I was going through pulled my credit to start the process. Then again 3 months later due to them dragging their feet on closing, then again 2 days later only to deny my loan due to me being a contract worker. That fact was disclosed to them in the application. I had to supply them with letters of good standing in my company. Sign and send numerous copies of full disclosure, bank account records, payoff statements, taxes for 4 years. All of which they asked for over and over again.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-12 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NJ

Complaint narrative:
When the lease on my BMW X3 was coming to the end I met with BMW of XXXX dealer and negotiated all the financial obligations on my part related to the end of the lease agreement. As such I paid them negotiated amount of money.Thereafter, I turn over to a dealer my old car and I have negotiated a new lease agreement for a new car- I signed a new lease on XX/XX/XXXX. Subsequently on XX/XX/XXXX I received an email from a dealer informing me to come and pick up permanent license plates ( see Attachment ). When I arrived to the delaership I was told that I would not received my license plates until I pay them {$580.00}. In fact, XXXX XXXX XXXX, a dealer informed me that this amount {$580.00} I own to BMW FinancialServices for end of the lease charges XX/XX/XXXX ; that was when I returned my previously leased car from BMW of XXXX. At that point, I told the dealer that I have not received any demand for payment from the BMW Financial Services since I leased my previous car in XX/XX/XXXX. As such, I strongly objected to the dealer '' s demand for payment telling him that this is an extortion to demand from me to pay for unsubstantiated claim from 2013 year.In addition, I asked the dealer why he did not mention that I had any outstanding balance with the BMW Financial Services when I had negotiated a new lease. In response the dealer said, that he just recently learned from the BMW Financial Services that I owned them money. Again, I asked him to show me any document to proof that i owned money to BMW FS but he did not have any such document.At that point, I left the dealership without paying any money. Shortly after, I received an email from the dealer demanding {$580.00} to be paid to BMW Financial Services ( see email ). Because my temporary license plates were closed to expiration date, I went back to the delership and they accepted my payment of {$400.00}. In my opinion this is unprecedented that BMW Financial Services had fabricated that I owned them money since XX/XX/XXXX. I have not seen or receive any documents from BMW Financial Services showing that I owned them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18 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:
I was a customer of a local bank named PNC and I had a personal checking account. When I went to close my personal bank account, the bank issued XXXX cashiers checks. Both checks bounced when deposited into another financial institution. After informing the bank that their cashiers checks bounced, the bank ( PNC ) required me to return the cashiers checks, before re-issuing new valid checks. Because the cashiers checks had been destroyed, the bank has refused to reissue new checks and has not refunded my funds after more than two weeks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-10 00:00:00
Product: Debt collection — Auto
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: OH

Complaint narrative:
As of XXXX XXXX/XXXX/16, they have called me 4 times today, twice yesterday, once the day before.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I was renting a living space from an out of state landlord. I live in Florida and the landlord lives in Minnesota.I mailed a rent check to my landlord in XXXX of XXXX. The land lord called me and asked me to pay the rent to another bank that held his mortgage because this bank had no branches in his state and he did not want a late fee. He told me he would destroy the check I sent and we made the arrangement for me to pay my rent directly to his bank that held the mortgage to the rental property. Fast forward to XXXX XXXX I gave notice I was moving and paid my last months rent. After I moved out he cashed the Check that he was supposed to have destroyed. My banks policy is that checks expired at the 6 month mark, and even though this check was 14 months old they payed out on the check, over drafting my account which they are not supposed to do because I refused overdraft protection. I filed a complaint with my bank and they said even though they were in the wrong they would not refund my money. I am on XXXX and live month to month on my check

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01 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:
I went in to open a Business Bank account. I refuse to give my Social Security Number. Rep refused to open Bank account, I was told it was the law to give my SSN. I told them it is not required by Law. I had my passport and EIN to open the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-27 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:
During the billing cycle of XXXX XXXX to XXXX XXXX, XXXX, {$20.00} was taken out of my checking account. I had opened a checking and savings account in XXXX XXXX. I had a promotional interest rate on my account for six months. Due to incorrect interest rates, I left {$10000.00} in my savings account which was advised by the PNC representative as the matters was being resolved. The following month, the {$20.00} was taken out of my checking account as a charge with no explanation. No following charges were taken out. The account savings was the same type and the balance had not changed. A PNC representative stated the {$20.00} was a fee. However, the balance in XXXX accounts remained the same. We stated this and in XXXX XXXX, a PNC representative informed us the {$20.00} refund would take XXXX10 days. However we did not see it and when we called, they stated it would take 45 days. 
On XXXX XXXX, my sister and I went to PNC directly and asked for another service request to be submitted and this time we got a copy. The representative stated that the last service request was granted but the checking account was closed so PNC had no account to deposit the {$20.00} to. My savings account is still open and I asked for the money to be deposited there to which the PNC representative stated that is impossible because the money needs to be deposited into the original account. Seeing my displeasure, the representative submitted another service request, which I got a copy of. 
On XXXX XXXX, I followed up on the service request. The PNC representative stated that no money could be refunded, again stating that the checking account should have never been closed if there was money to be refunded. The situation had escalated to XXXX levels ( the manager and branch manager ) in the bank, and nothing could be done. 
The acknowledgement of taking out my {$20.00} and not giving it back because the checking account is closed does not make sense to me. The {$20.00} was originally in the checking account ; however, my savings account is open and I was informed that it would not matter if I closed the checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My PNC account which I never use was overdrawn. I made the ACH transfer of the remaining balance and asked to close the account. They debited my XXXX account on XXXX/XXXX/2016 and it had still not posted it to my account after 3 business days. 

They are piling on overdraft fees while still holding my transferred amount and giving me incorrect phone numbers to resolve this issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC
State: NJ

Complaint narrative:
The correct high balance that was sent to the collection agency has not been reported. The collection agency reported a different amount than what the documentation says. The collection agency did not report the amount that the original creditor provided them with. The collection agency reported XXXX different amounts of {$950.00} and {$1.00}, XXXX. The company is named reliant capital solutions llc.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-22 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
On Saturday XXXX XXXX, 2015 at XXXX XXXX an unsolicited email addressed to me was sent to an email account. The email stated I owed {$790.00} for a cash advance at XXXX XXXX XXXX. 

I have prepared a request for debt validation to be mailed to Direct Recovery Services on XXXX XXXX, 2015. I am concerned that the debt collector sent information about me and the alleged debt to an email account that is not registered to XXXX XXXX. 

Furthermore, the debt collector sent the email from XXXX XXXX 's account ; yet the email states the communication is from someone named XXXX XXXX. 

I am concerned that this correspondence is a scam.

Company response to consumer: Closed
Consumer complaint received 2016-02-24 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: Alliance One, Inc.
State: TX

Complaint narrative:
I changed electricity providers, I notified XXXX XXXX and they charged me for the same time period I paid XXXX. I sent my bill from XXXX to them and they turned it over to a collection company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: OR

Complaint narrative:
Pnc mortgage company is dragging their feet about stopping pmi. I have asked them twice in the last 9 months to take it off. I am now at 68 % LTV and XXXX XXXX 2016 is the scheduled time that it should stop. I want to send My XXXX payment without pmi payment but they say I should send it in anyway. I asked for new coupons showing no pmi on the coupon payment book. They always have an excuse, never get to talk to a supervisor. I am afraid that pmi is never going to stop unless I sue them. I should n't have to since it is the law that it stops at the scheduled time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07 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:
PNC is a bank that uses predatory, misleading, and bait-and-switch tactics to trap customers. I was convinced by a PNC bank representative to open up a checking account with them. He told me that I 'd even get a {$400.00} bonus credit if I receive direct deposits onto that account totaling {$5000.00} or more. I direct deposited over {$5000.00} as dictated by the terms. No bonus credit was ever received. 

As if that was n't frustrating enough, the bank will not let me close my account without charging me a series of ridiculous fees. This bank is extremely predatory, lies to its customers, and traps their money. Even leaving my account open, they have found excuses to charge me various " service charges. '' I have, several times, attempted to contact PNC Bank, only for their representatives to hang up on me spontaneously without addressing my problem at all. This bank will absolutely attempt every tactic to frustrate its customers into being complacent with having their money stolen.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-04-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
We submitted a Request For Modification ( RMA ) to PNC Mortgage. We fully completed their in-house RMA and the governments RMA form. When PNC Mortgage reviewed the documentation they denied the request on the basis that the non-borrower income was not allowed because they did not live in the subject property. The Borrower : XXXX, a XXXX and his daughter XXXX both attested that they reside in the property. They provided the water bill in XXXX XXXX 's name and the light ( XXXX ) bill also. The PNC Mortgage representative informed XXXX XXXX that his XXXX had to place the light bill ( XXXX ) in her name to prove occupancy. The XXXX bill was then placed in XXXX ( Daughter ) name. The certified non-borrower application was completed as well as the non-borrowers bank statement reflecting the subject property address. 
PNC Mortgage later denied the modification stating that the XXXX account had switched back and forth and the Non-Borrowers {$1200.00} contribution was not accepted because she does not live in the property. The fact is the Non-Borrower and the Borrower do live in the property. To add insult to injury, the Borrower attended a conciliatory mediation with the PNC Mortgage Analyst and legal counsel. The XXXX Judicial Circuit Court stated that ; " the banks representative must attend all mediations with full and complete settlement authority ''. At the conciliatory mediation the PNC Mortgage representative stated he had full and complete settlement authority. But at the end of the hour and a half discussions the PNC Mortgage Analyst declared that before he can make a final decision he has to review the file with the Investor for the loan and it could not take place now. When asked who the investor for the loan was? He stated ; " he did not know ''. That is not full and complete settlement authority. 
Unfortunately, there is no venue for borrowers such as XXXX XXXX to turn to in an effort to cure such flagrant disregard for the rights of borrowers like XXXX XXXX. It seems that at every turn PNC Mortgage changes the rules to confuse, delay and where down XXXX XXXX in an effort to foreclose on his home. Please help.

Company response to consumer: Closed with explanation