vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-22 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:
As of XXXX/XXXX/2016, my account is overdrawn due to a transaction that should have never been allowed to occur. True, this was a preauthorized transaction, however, the funds were not there. I had a balance of {$3.00}, and the debit was for {$97.00}. PNC elected to pay this for me, even though the money was not there. 
I called the service center to explain that my account would remain negative until I received my next pay check, which would not be until the XXXX/XXXX/2016. I asked them why they paid the debit instead of returning it. PNC 's response was that they base it off of customer history. They acted like they did me a favor by paying the debit. 
At that point, I tried to get them to act proactively instead of retroactively. I explained that fees would still be adding into my account, and that it was n't fair because PNC should have never paid a transaction that the funds were not available for. The gentleman told me that the fees would have to be dealt with after they were incurred. I, as the consumer, do not have time to worry about whether or not PNC will refund these fees. I feel as if PNC is aware of the hardships they are causing their customers just based off of the complaints I have read in this database. They are charging fees that are unfair, and not allowing me time to fix the negative balance without charging me more money. 
In reality, they are causing a lot of trouble. Because the account has been negative for more than 4 calendar days, they are charging me a {$7.00} daily negative balance fee for up to 15 days ( totaling as much as {$100.00} ). By the time I am able to bring this balance positive, I will have incurred more in fees that the original debit. 
And because my account will have had a negative balance for fourteen days, it is a risk that it will go into a closing state. If that happens, then it will go on record that I owe PNC money, and I WILL NOT BE ABLE TO HAVE ANOTHER CHECKING ACCOUNT BECAUSE OF THE BAD MARK ON MY BANKING HISTORY. 
I have never owed money to a bank, nor have I put myself into that position. I would appreciate it if PNC took me out of that contention. 
I blame them for this whole issue. I think they are trying to get extra money from me, to the tune of {$140.00}, plus the original debit of {$97.00} ; totaling {$230.00}. 
This system PNC has is not set up for consumers. It is set up for them to maximize their profits by feeding off the little people.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Hello CFPB, My complaint is regarding the Automatic PMI termination requirement to my loan. After multiple written attempts to PNC Mortgage, I finally received a response to my inquiry about automatic termination of my PMI and whether I had reached the loan to value ( LTV ) threshold for termination. PNC Mortgage provided written correspondence ( dated XX/XX/XXXX ) that stated the following : " At the present time the LTV in your property is XXXX % '' and they went on to communicate how this value is calculated. Instead of communicating that the Homeowners Protection Act requires the PMI I pay on my loan be terminated once I 've met the XXXX % threshold, they provided me with information on how I can Request PMI cancellation and pay for an appraisal through an entity affiliated with PNC. 

I recognized steering me to a cancellation process ( where I have to pay for an appraisal ) might be an oversight because within the letter they also provided me with my " Appraised Value at Loan Origination '' and after applying the calculation within their correspondence letter I calculated the same XXXX % LTV ratio that was quoted by PNC Mortgage. This ratio should trigger automatic PMI termination but it was not communicated in the correspondence ( dated XX/XX/XXXX ) or in the next correspondence ( dated XX/XX/XXXX ), after I brought this to PNC Mortgage 's attention. The follow up correspondence ( dated XX/XX/XXXX ) surprisingly neglected the fact that my LTV ratio is XXXX % and instead communicated that now " The PMI is scheduled to automatically delete on XX/XX/2017 '', when I reach the LTV ratio of XXXX % which is a complete disconnect from the previous correspondence. I have not been provided with adequate correspondence as to why my loan with an LTV ratio of XXXX % is not set to terminate automatically. I should not have to pay for an appraisal based on the requirements within the federal law and now I am paying additional PMI even after reaching the termination threshold under the law. Attached are the two correspondence letters that were provided to me by PNC Mortgage supporting my complaint. 

Best Regards

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: MA

Complaint narrative:
XXXX Lending is attempting to add a forced hazard insurance premium on my property despite adequate coverage or requiring " flood insurance '' when the property is not within the FEMA guidelines.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
My sisters and I have Certificates of Deposit that were opened in our name by our grandmother. Both names are on the Account Verification statement provided by PNC Bank in XXXX, XXXX My grandmother has since passed away. My mother found the account statements XXXX day and we are trying to get access to the accounts. When we called PNC, they had no record of the account. They forwarded me to some PA State agency that also says they have no record of the account. As far as we know, PNC should still have this money, but somehow, they are unable to find anything regarding the account. This is a major problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: DE

Complaint narrative:
I am submitting this complaint related to actions taken by BMW Financial Services. I have attempted to contact BMW Financial Services Office of the CEO, Office of the President or whatever department that handles escalated customer complaints and not received any response to my complaint. 
To close out my XXXX, three year lease I received a statement for {$1700.00}. The charges are purported to support " damages '' assessed for my usage of the XXXX BMW. This is the third consecutive BMW that I have leased and I have never previously been assessed any amount above normal wear and tear. 
The question that I have not been able to have BMW FS address or explain is why the end of lease statement does not list " any credit '' related to the XXXX miles under the allotted ( and paid for ) XXXX miles limit. If the discrepancy was a few XXXX miles I would not have an issue. However, the fact that the vehicle was returned with XXXX miles fewer than anticipated, does by all true measures of an automobile 's worth, add value to the vehicle in question. Why does BMW Financial Services choose not to recognize this fact when assessing the car 's condition and the related end of lease charges? 
It seems BMWFS 's end of lease process is not focused on assessing the actual condition of the vehicle but creating an unregulated revenue stream by charging exaggerated fees and not applying any eligible credits. 
During my prior lease, XXXX BMW 528i, I also received an end of the lease statement balance. That balance due was significantly higher than the XXXX lease end amount. I was assessed {$2900.00}. The largest amount ( {$2300.00} ) was for excessive mileage ( {$0.00} per mile ). A review of BMWFS records will confirm that I paid the XXXX end of lease statement promptly, in full and without question. 
There seems to be an imbalance between the way BMW Financial Services views the value of miles when a customer goes over their limit and when they are well under the mileage. 
As a customer who has purchased or leased XXXX BMW automobiles in the last ten year span I expected professional customer service from BMW Financial Services even though I chose to end my nine year leasing relationship. In fact, I am still a BMWFS customer on another vehicle unrelated to this complaint. However, BMWFS has not XXXX contacted me about this matter or make any attempt to justify or explain their actions. This total lack ofconsideration toward a long time customer was an eye opener and has prompted me to conclude to never utilize their services again. 
I believe that BMW Financial Services is not dealing with the situation of my XXXX lease fairly and consistently in how they review the value of mileage related to end of lease charges. 
I request an escalated review of this matter and a revised end of lease statement reflecting the appropriate mileage adjustment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02 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:
I opened a virtual wallet checking account with PNC Bank under a promotion that offered {$300.00} upon {$3000.00} dollars of direct deposits and a bill pay transaction. To the best of my knowledge I fulfilled those requirements, but after submitting a complaint to PNC, I was told I had not done a bill pay through " their ebilling '' portal. I linked up exterior accounts through PNC and paid them from PNC. They refuse to honor the promotion offered. In addition, there have been several charges made to the account that were not made clear to me upon opening the account. I have been very dissatisfied not only with the lack of clarity in there communication, but also the various customer services representatives I 've spoken to.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
My mortgage servicer, PNC Mortgage, has been, and continues, to charge me a 6 % interest rate. I have made numerous attempts for over one ( 1 ) year by contacting them both on the telephone and by submitting requests for mortgage modification. They refuse to address my requests. They refuse to provide reasons why my mortgage modifications requests are being denied. They also refuse to offer any assistance in resolving the HIGH interest rate. They do provide non-specific, vague answers. They do NOT have the correct information about my income and debts. They will be forcing me into possible bankruptcy, possible foreclosure and possible loss of my home.

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

Complaint narrative:
My mortgage company would not take my payments, I missed the due date by approximately 1 week. I called to arrange. I simply lost track of the dates. which I do sometimes. I called and requested to speak with a supervisor to see what I could do.I was denied the opportunity to speak to a supervisor and the person on the phone reported if I wanted to hang up the phone I could. I was speechless and upset. I proposed to pay now and in tow weeks to catch up for the month and told NO. I would have to do a loan modification. This process took over 13 months, ruined my credit, went to court to be insulted by the mortgage company rep who stated to me the mortgage company has no intention working with me, the judge said he could not stop foreclosure. The only choice i had at the end pay XXXX or pay {$2400.00} an month for over 2years. I did not get a chance to speak to anyone to report my case verbally to anyone. This leave me just enough to pay gas, utilities and some food.my mtg was approximately {$1200.00}??? I expected maybe {$1500.00}, but not {$2400.00}?? I have lost a lot of then put my house on the market before anything was finished. People walking my yard, all times on Saturday around the house. I was afraid. I hae tired to ge to the so called rep and each time I am giventhe 3rd degree and never is the phone answerd, I have leve message and just stopped. People are still comeing once a moth putting door hanger on the door for me to call and not be able to speak to the rep. Told me my house is still is the forclosure stage for the next 2years. This is crazy. I could pay and they are forcing me out in the worse way. i have there for 8 years. Great neighborhood and good neighors. Sad. I try to be responsible, I am a veteran with XXXX and try not to use that as an excuse. Done. I along with others would like to be heard by someone who cared and could explain without attempting make me feel like I am a nobody. i make a good salary, I am intelligent, but hits unbelievable. I want to know who owns my loan. This mtge company is the Worst. I go to a doctor for the stress and it is just too much. If they I have requested time and XXXX to walk away. I am tired and mad, and hurt, the country and a lot of the companies. here have lost sense of community and working with people. I am not asking for a hand out. Even if I get no help I will make sure many people here the story and name of this mortgage company an NEVER work with them. VA did not to assist in counseling and helping me through this mess ... va loan joke.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
ON XXXX I WENT XXXX TO GET A NEW CAR I TOLD THE SALES PERSON I ONLY WANT XXXX INQUIRE ON MY CREDIT REPORT REPORT SO THE AGREED TO RUN MY CREDIT WITH XXXX BANK ONLY WELL I GOT HOME THEY HAD RAN MY CREDIT WITH OTHER BANKS WITH OUT MY CONSENT

Company response to consumer: Closed
Consumer complaint received 2016-06-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: CNG FINANCIAL CORPORATION
State: NC

Complaint narrative:
I called XXXX to request a statement of what I oaid to what I owed and the man I spoke to after XXXX ( I may have the name wrong, he put me on hold and then someone else returned ) told me that my last payment was returned for NSF, which could not be true, because it never showed pending on my statement, and if need be I can provide those, to show my beginning and ending ledger on that day. Anyways, I called for a statement of what I had paid and what I owed and he verbally told me over the phone and I requested it in writing because I was moving and looking to open up a new account and wanted the previous transactions for my records. Anyhow, he told me he couldnt do it and that maybe I should call back when I could make a payment instead of finding someone else to blame. First off, he was very rude, and I hope the calls ARE prerecorded, because what I was requesting did not warrant such an answer. Second, as a consumer, I know my rights. I told him I would be suing. They need to accept my payments as settlemeny for this debt because I will not be treated in such a manner, nor will I be denied information about my account. I 've been paying for months, its not like I havent been, so for this guys to be so rude and deny me my information so recklessly, I am apalled. I have worked collections, so I know the do 's and dont 's. Then, I am morr upset with check n go because when I called to verify that this third party was indeed who bought out my account I was told they didnt know and that I had to call another third party, who seemingly couldnt answer the phone. My request was simple, and he got an attitude so I got XXXX as well. I cant even get a statement because??? Not okay. Then he tellls me some other company is gon na pursue the account in other manners etc etc. Like chill, that had nothing to do with anything I was inquiring about, and using scare tactics?? No ... it wasnt even necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
This company informed me that first ; they were suing me. I then asked again if they were suing me, they then informed me that they were in the process of suing me. I then asked questions, the story then changed to ... ... they were in the process or making an attempt to sue me and that I would be faced with a summary judgment and then be required to pay legal fees as well. They then informed me that regardless a summary judgment would stay on my credit report for ten years if I paid or not.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 00:00:00
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: OR

Complaint narrative:
My daughter has a collection agency that has garnished her account and that of her minor son. My grandson 's account was opened by me and all monies have come from me not her. She was put on the account along with me when he was an infant. I thought I had removed her but can not find any supporting documentation to prove this. On XXXX XXXX, 2017 the collection agency stripped his account of almost {$2800.00}. My daughter is XXXX and has XXXX. Pay Pal gave her a credit card even though she had n't had a job in over 10 years and was on public assistance and food stamps. They gave her a {$5000.00} limit. I believe this is predatory lending. She has no clue about finances and I was unaware of what had transpired. I do n't believe my grandson should have his money taken away.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
I rented a unit at XXXX XXXX XXXX. XXXX XXXX, XXXX XXXX, CA XXXX beginning in XXXX 2016. The term of lease was from XX/XX/XXXX-XX/XX/2016. I had my final moveout inspection XX/XX/XXXX, and the business was made aware that I would not be renewing my contract. The inspection was fine, and we signed paperwork indicating no damages. XXXX XXXX was the last day of the contract. I paid my XX/XX/XXXX rent and made sure my balance was at {$0.00} at the end of the month. On or about XXXX XXXX, 2016, I received a notice from bill collectors indicating I owed {$580.00}. I called the office and they indicated that I did n't owe anything and my balance was at {$0.00}. I then went to the complex to meet with the bookkeeper, XXXX ( XXXX ). She stated that technical error had caused me to be billed for XX/XX/XXXX, even though they knew I was no longer living there. She also indicated that she would call headquarters and call me the next day with the problem resolved. She also stated she would make sure the bill collectors were aware that the notice to them was in error. She gave me a printout showing that in their system, they had corrected their mistake. We have repeatedly called and emailed since then, and have not been given any notice that the problem is resolved. We also called XXXX XXXX XXXX, that manages the apartment, but there is no working number to reach a live person. Moreover, I received a call this morning from the bill collectors ( IQ Data ) who stated that they had not been given any other information from the management to indicate this was a mistake on their part. They stated even though I sent in a dispute, they did not need verification from the business that the debt was really owed, in violation of my rights under the Fair Debt Collection Act. They stated this will affect my credit, and I should pay the bill and try to get a refund later. I refused. Finally, I have not been refunded my security deposit and it has been 30 days since I have moved out.

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 2016-11-23 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CAVALRY INVESTMENTS, LLC

Complaint narrative:
STALKING AND HARASSMENT FOR COLLECTION PURPOSES MORE DETAILS IN THE ATTACHED FILES

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-22 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: WA

Complaint narrative:
I got a debt collection letter from I.Q. Data International, Inc dated XXXX, 2017 regarding a debt that I owe to my previous landlord. This was the first time I learned about the debt, never received a bill from the landlord ( original creditor ). 

On XXXX I faxed and mailed a letter to I.Q. to dispute the charges, cease any communications to collect the debt and provide evidence for the debt. 

But on XXXX I received a call from I.Q. that I did not answer at first. Then I called back to ask why I was being called. I was forwarded to a customer rep who was responsible for handling my debt collection. I notified him that I 'm disputing the charges and would like more information and evidence on the debt. The rep asked for an email to forward the information. I gave him the email and told him that I 'll look over the information to verify the debt, but can not do it right now because I 'm busy. The rep got aggressive at this point and told me, " You 're trying to blow me off '' and that I just refuse to settle with them. Then he threatened to forward the debt to credit bureau agencies right away to coerce me to settle at the spot. I asked him if he 's not willing to email me the information then he can mail. He became totally dismissive at this point and put me on hold. I had no option other than to hang up at this point.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA

Complaint narrative:
Requested verification of alleged debt/past-due amount. I owe nothing to anyone and have no outstanding debts. I requested in writing some verification of the supposed debt they say I owe. I received no response. I also requested the exact date the collection company says the spurious debt was due. I requested the exact date the collection agency was retained by the supposed creditor.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation