vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-30 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Bleier & Cox APC
State: CA

Complaint narrative:
BLEIER & COX APC is misrepresenting and falsely claiming that they were retained by XXXX XXXX to collect a debt owed by me to XXXX XXXX. This law firm has been threatening to contact my job to garnish my pay. The fact of the matter is that this debt was paid in full and the statues of limitations to legally collect anything had long expired. They have sent me letters indicating that it is a court document which is false. The document/letters they sent me has no official stamp of authentication from the superior court of california. I have attached such a letter from this law firm. The firm is also claiming to be a law firm, but my investigation has determined that it is a paralegal firm using an attorney 's name. I want them to cease and desist. My option is a counter suit for violations committed. Have seek the counsel of an attorney who sues for violations of the FDCA they indicated that I have a very good case.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: LA

Complaint narrative:
I received a letter stating the servicing of my mortgage is being transferred effective XX/XX/2016. My problem with this is I did not receive in writing until XX/XX/2016 ( 19days ) from current servicer and XX/XX/2016 ( 12 days ) from new servicer. I am currently set with biweekly drafts which will be ending XX/XX/XXXX, .... I called new service provider and explained my set up in which I am comfortable with. They informed me that I would have to repeat process of making 2 payments in one month in order to continue the biweekly draft because their system is not set up to collect half payments. This puts a bind on me and my family and undo XXXX. I really need help with this because too stay at the status I 've created will cost more money and that is not fair to a loyal consumers. Who make their payments.

Company response to consumer: Closed
Consumer complaint received 2015-06-23 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: I.Q. DATA INTERNATIONAL, INC.
State: IN

Complaint narrative:
IQ Data International has not provided validation of a debt as requested.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31 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: ONLINE Information Services, Inc.
State: FL

Complaint narrative:
I was put into collection for a utility bill that was not mine. I notified them in writing and by phone and they reported it to the credit bureaus in spit of that notification. They used that as a tool for force me to pay the outstanding amount in order to have it removed from my credit reports. I paid the amount in full and they have refused to remove it from my reports and will only report it as " Paid ''. They used deceptive promises ( which they recorded ) to get me to pay a debt that was not mine and then have refused to remove it from the credit reports as they assured.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Regarding PNC Acct. No. XXXX. 

The purpose of this complaint is to compel PNC to delete the XX/XX/XXXX payment information currently reported by XXXX and XXXX regarding the above-mentioned account. 

Based upon data provided by PNC Bank, XXXX and XXXX currently report that the XX/XX/XXXX payment of the account greater than 30 days past due ; however, PNC Bank 's website reported a payment was scheduled to be made within 30 days of the XX/XX/XXXX due date. 

By default, PNC 's website displays a false " Next Scheduled Payment, '' which reports a false payment amount and false payment date, each and every month that a balance is due. 
By way of example, the attached Line of Credit Account Statement states that a payment of {$45.00} is due on XX/XX/XXXX. A screenshot of my account on XX/XX/XXXX states " Next Scheduled Payment : {$90.00} XX/XX/XXXX '' However, no payment was made on XX/XX/XXXX. 
I called PNC Bank 's customer service number on XX/XX/XXXX and spoke with a representative named XXXX, who stated that the XX/XX/XXXX payment being reported on PNC Bank 's website was an error. I also spoke to his XXXX, XXXX, who also confirmed that the payment being reported for XX/XX/XXXX was an error, and confirmed that the website contained an error. 

During the month of XX/XX/XXXX the website reported in the " Next Scheduled Payment '' field, that a payment in the amount of {$230.00} was scheduled to be made on XX/XX/XXXX, when in fact NO such payment was scheduled. 

PNC 's website contains an error, which is fraudulent and misleading. I relied upon the information provided on PNC 's website and did not take additional steps to satisfy the payment due in XX/XX/XXXX. As a result, PNC should delete the XX/XX/XXXX payment information with the XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am the LEGAL DURABLE POWER OF ATTORNEY for my mother and have this documented with PNC bank where my mom had a revolving equity loan line of credit. My mother had a XXXX last year.I had complained to CFPB about national City/PNC harassing myself and mom with sending statements to her and she was very upset. It was also upsetting me and I am very XXXX. My husband who is a XXXX veteran was also upset. I got a letter stating that they would stop. I, my husband and My mother was not to be upset. She is XXXX & widowed with a XXXX XXXX. I am XXXX XXXX and also have several medical problems and can not be upset. I was hospitalized with XXXX XX/XX/2016 shortly after receiving another statement. The statements continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: KS

Complaint narrative:
We had an equity loan with PNC which was paid off thru a fraudulent foreclosure they put us thru. We were evicted and no longer live in the house this complaint is in regards to. I received today a change of address to our new house. " It states for security reasons we are sending this letter to the old address on file. Please notify us immediately at PNC if you did not request an address change. '' I immediately at the number given on the letter. I was transferred to XXXX different departments. Not one of them could answer my question as to why an address change was generated when I never requested one. I find this deplorable and also wonder what else they are doing. This is wrong is so many ways. One of the departments showed my account inactive but still showed a balance? Copy of the address change attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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:
On XXXX XXXX, 2016 my wife and I attended a scheduled closing for the sale of our home in XXXX, Ohio to XXXX and XXXX XXXX. The loan was scheduled at noon to allow my wife and I to travel 2.5 hours from our new residence. Within 20 minutes of arriving, all the paperwork on our end ( sellers ) was completed and the buyers had completed theirs prior to our arrival. The title agency employee stated she had to contact PNC Bank to release the funds before the check could be given to us. She came back into the room numerous times, telling us that they were trying to get the funds released. Finally AFTER TWO ( 2 ) HOURS, funds were released and we received the check. She stated that she had another closing recently where the sellers were forced to wait three ( 3 ) hours before the funds were released. 
My complaint is that there is no reason for anyone to wait 2 or 3 hours for funds to be released when the loan is already approved and the bank scheduled the closing. My wife and I had plans with family before we left XXXX to return 2.5 hours to our home. These plans were forced to be cancelled because of the way PNC Bank does business when closing on the sale of a home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC
State: NM

Complaint narrative:
I received a message on my work phone from a XXXX XXXX. She did not identify the name of the company of provide any details about her call except to say that it was my last chance to contact her and make arrangements before legal action would be taken and it would permanently affect my record. I see that they called my work phone on XXXX, XXXX on my work phone on XXXX and stated last chance to call them and have the process rescinded was XXXX/XXXX/16. 

From XXXX XXXX, I see that they also use the following phone numbers to collect and I have been contacted by these numbers also : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2017-02-04 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank is fraudulently claiming a member of XXXX XXXX XXXX XXXX made an intentional unlawful withdrawal on a checking account that never happened. When they were notified on multiple occasions of the erroneous application of the charge for withdrawal to the XXXX checking account. The transaction was in fact executed for the withdrawal of {$500.00} against XXXX XXXX XXXX XXXX 's open business line of credit approved the day of, in person, at the local branch office. PNC was informed the repayment for the withdrawal of {$500.00} would be made as per the terms of the business credit line agreement as historically exercised since its open in 2005 ( at the time the withdrawal was made no notice was given of any denial, changes, extraordinary conditions or requirements, nor subordinate rules or procedures initiating as a result, apart or in addition to the terms of the business line of credit in good standing ). 

We believe, in retaliation, and to harm XXXX XXXX XXXX XXXX financially by refusing to correctly account for the withdrawal being made to our open business line of credit, and to negatively harm our credit standing, PNC bank has elected to communicate a materially fraudulent claim to a third party credit collection service and has refused to correctly account for the true nature of the transaction in dispute. We have stated the amount outstanding will be diligently paid under the credit terms existing at the time of the withdrawal of funds. Furthermore, by deceptive accounting of the transaction, libelous claim and potential sale to the third party credit collection agency, along with the additional claim of fees and penalties accruing, PNC is seeking to fraudulently enrich itself at the expense of XXXX XXXX XXXX XXXX, as well as needlessly harm its reputation and credit worthiness.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW financial is reporting 30 day delinquencies with the bureaus even though my payments were not 30 days late. I disputed the late reporting with BMW financial services and received a letter from XXXX XXXX stating " BMW Financial Services reports missed payments and late payments as delinquent when received greater than XXXX calendar days beyond the scheduled due date. '' According to XXXX guidelines there reporting is incorrect and therefore in violation. XXXX guidline states " The " clock '' for a 30-day delinquency starts 30 days after the due date, as opposed to the billing date. Under their XXXX XXXX account status code they have an example on their site and it clearly states that a payment received and cleared on the XXXX day is not 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: J J Marshall & Associates, Inc
State: MI

Complaint narrative:
I received an alert in XX/XX/XXXX that negative information was added to my credit report. I saw that it was information reported to J and J for an old bill. I contacted the company to inform them that the debt was included in my bankruptcy in XXXX and XXXX. I emailed and faxed over paperwork showing this and was told that someone would get back with me, to date, no one has and the information has been added multiple times. Each time that I contact the business they tell me that someone will call me back and they never do.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Direct Recovery Services, LLC
State: SC

Complaint narrative:
On XXXX/XXXX/16, I received a call from Direct Recovery Service in reference to a debt. In addition to my phone call my mother received a call and someone that does not have any information about the loan nor was named as references on the loan was contacted. I immediately contacted DRS and asked who else they contacted. The gentleman told me the same thing happened to him. I again asked who else he contacted and he said he did not have that information, he only autodials. I then asked which numbers he had, which were my daughter 's and my mother 's. I continued to press the gentleman for more details on the numbers he called in reference to my debt, yet he continued to say he can not find the numbers he called. I finally got the number for his parent company and confirmed the validity of the debt. My complaint is that DRS has obtained phone numbers and communicated to the third party that do not have a need to know of the debt in question. I am not denying that a debt is owed ; however, I believe DRS actions are not consistent with the Fair Debt Collection Practices Act.

Company response to consumer: Closed
Consumer complaint received 2015-06-10 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
In XX/XX/XXXX My wife and I Went to PNC Bank to get a XXXX Mortgage ( commonly known as a Home Equity Loan ). We thought we were getting a XXXX Mortgage ( commonly known as a Home Equity Loan ), but we were given a Home Equity Installment Loan. In XX/XX/XXXX I noticed that this loan was not functioning like a mortgage loan. Since XX/XX/XXXX I have been trying to refinance this loan with PNC Bank but have been denied due to the decrease in our property value due to the housing bubble crisis. PNC advertised the loan as a Home Equity Loan, not a Home Equity Installment Loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
In the past year, I have been charged {$140.00} in overdraft fees by PNC bank. I was charged XXXX different {$36.00} over draft fees on XXXX XXXX, 2015. I received another XXXX {$36.00} fees on XXXX XXXX, 2015. I have had some overdraft fees reimbursed during my eight years as a PNC customer. However, PNC continues to refuse to reimburse me for the {$140.00} that they charged me in 2015. I am a recent XXXX who is underemployed. {$140.00} is a lot of money to me. You can find these charges outlined under 'Other Deductions ' on my attached bank statements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-13 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
XXXX branch manager of PNC bank in XXXX XXXX closed my bank account today right before my direct deposit hits on Friday XXXX XXXX. I already set up auto pay with all my utilities and fitness club. He promised to call me back after speaking with his loss prevention manager and never called me back. He had his XXXX employees XXXX and XXXX lie and say he was not in the branch when he was there just to avoid my calls. He is not a man of his word and very unprofessional.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
My wife & I entered into a ratified contract on XXXX XXXX, 2015 with a seller to purchase our home in a short sale subject to approval of the first XXXX 1st XXXX trust lender, XXXX XXXX and the 2nd trust lender, PNC. 
On XXXX XXXX, 2015 the first ( 1st XXXX trust lender, XXXX XXXX approved the short sale and the 2nd trust lender, PNC, was to be notified of the approval ( see attached " Short Sale Approval by 1st Trust Lender '' ). 
PNC 's approval of the short sale was formally requested shortly thereafter. 
As of today, XXXX XXXX, 2015, XXXX XXXX XXXX XXXX weeks later PNC has not approved the short sale with a {$12000.00} payoff despite the lack of any equity for their 2nd trust loan. 
In fact, PNC has not responded to the calls and emails of the attorney for the seller for over a week ( see attached " Short Sale Status from Law Office of Seller XXXX '' ). 
I believe PNC has an obligation to approve the short sale in an expeditious manner. 
Please help us in any way you can to prod PNC to move forward on the short sale approval.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25 00:00:00
Product: Credit card — 
Issue: Other — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Charge-offs stay on your credit report for up to 6-7 years from the date the account was charged off. However, I was told that it will be removed before then. It has been already over 6 years.

Company response to consumer: Closed
Consumer complaint received 2015-08-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION
State: TX

Complaint narrative:
My wife XXXX purchased a house a little less than XXXX years ago. We were approved for the loan and the appraisal was completed and we closed on the property. The house is a XXXX level property with internal stairs connecting the XXXX XXXX XXXX floors. An external staircase allowed for access to the XXXX XXXX XXXX level. The appraiser did not make any deduction in the appraisal for the external staircase. 
We refinance the house several months ago and during the appraisal process, the appraiser for the refinance did not fully recognize the sq.ft. of the XXXX floor, since you have to use an exterior staircase to access that space- essentially using a different method for appraising the property. The difference in market value is approximately {$57000.00}. I have made complaints to both appraisers and the lender- with no satisfactory actions to date. The inconsistency of the process and the seemingly arbitrary way of deciding what is allowed and what is not puts the consumer in a disadvantage especially when the consumer does not control any part of this process. I am seeking restitution of {$57000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-05 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:
I was overdraft XXXX at XXXX $ via PNC for a bill that their website claims is paid. They defaulted my bill pay to an account that was empty but attached to XXXX with XXXX $ in it. They have been pulling slimy maneuvers like this for far too long with me, and I 've had it. I just had to put XXXX $ in an account to cover a bill that was originally XXXX XXXX They tacked on an additional XXXX $ in fees because they bounced the payment from my account XXXX. The thing that tops this cake is that i spoke with someone on the XXXX with PNC and the last thing she told me was that it was taken care of and i would be reimbursed ; that was a 20min conversation. Today i spoke with someone, and that was another 30 min of my day, just to have her tell me that someone would be in touch within 3 business days. 

Just a month ago I lost my wallet, had to put money in my account so i would n't overdraft, they charged my account XXXX for a card on the spot, without telling me! Just charged my account. So i had to pay XXXX, to use the atm, so they could not charge me XXXX $ overnight for a XXXX $ discrepancy. All because they charge me XXXX $ overtime I use a teller. 

Its a travesty.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
I purchase a vehicle on XXXX 2012 financing with MAS FInancial services this business needs to be review, every month since my first payment I been having issues with this company they work a theory, usually I was sending my monthly payments by check but every mont they will call me stating that my payment was n't received when my check had been mailed weeks prior to my payment I got feed up and starting to pay by money gram no matter how, they want to accuse you of making late payments to try to collect more and more money from suppose late payments I 'm going crazy they call me and harass me at work with tex and messages I really do n't know what to do any more, no matter how early I mail my payment I still get at least XXXX calls per day stating my payment is late. I 've complain several times to the company it looks like everyone is very unprofessional and disrespectful as if they do n't know what there doing, I do n't know how to report this and afraid of having a breakdown this is causing me XXXX on daily basis I really wish for a review of this company, I 'm not the only one with issues with this company, once you log on to their web page mostly unhappy customers and people frustrated over the same issue. I think company 's like MAS Financial should n't be operating and be under review.

Company response to consumer: Closed with non-monetary relief