vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-21 00:00:00
Product: Debt collection — Federal student loan
Issue: Communication tactics — Frequent or repeated calls
Company: Reliant Capital Solutions, LLC
State: KY

Complaint narrative:
-In the initial phone call I was told my debt was somewhere around 3500 ( I do n't remember the exact number ). 
-I was originally set up with a payment plan to pay off my debt. 
-I kept getting statements from the every month but it did n't seem that my balance was going down any. 
After calling and asking why my balance was n't change is when I was told about the " bill collector fee. '' I was NOT informed about this in the beginning. 
-After a year of paying religiously I was told I had start paying more because my 12 months was up ( I was never informed that I could only make payments for 12 months. ) I told them I would get back with them in a week or so with how much I would able to raise my payments. They called back after 2 weeks and told me I HAD to pay my debt in full. 
-I asked several times for documentation stating where I said I could only make payments for 12 months. I also asked for documentations stating why all of a sudden I had to pay it in full. 
-They kept calling me while I was working and I told them they needed to stop calling me during this time. Yet I continued to get several phone calls. When I finally answered one and told them I had asked several times for them to stop calling me while i was at work, I was called a liar. 
-I feel threaten, harassed, and lied to.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
The payments on my loan are supposed to be slightly lower as I was supposed to have an additional XXXX down, the sales manager at the dealership was trying to pocket the money for himself so was unable to do so. I purchased the vehicle on XXXX XXXX, the sales manager said I was putting a total of XXXX down but would only show XXXX and to give him the XXXX difference in cash. I realize this is not an error on end of BMW Financial, however, they should be willing to adjust payment amount if I can put the additional XXXX down as planned. Complaints have been filed directly against dealership, BMW of XXXX XXXX, directly however, not resolved. The XXXX ( XXXX ) has a complaint against them. The sales manager, XXXX, is a very shay individual and was trying to get me to give him XXXX in cash for his pocket and told me not to tell anyone as we 're supposedly " blood brothers ''. My intent was to put XXXX down towards the loan payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
We applied for and received and unsecured loan of {$8500.00} from PNC Bank. When we closed on the loan, the APR and Finance charges showed 0.001 % and {$0.00} ; respectively. Days later, I get a call from the bank asking me to return to sign new disclosures as the APR and Finance charges were incorrectly stated and they admittedly stated this was their error. PNC stated the rate would increase to 9.9 %. I politely refused and told PNC to stand behind and honor the original APR and finance charges listed in the disclosure. I even pointed out some of the regulations outlined in TILA. I ended up speaking with the branch manager ( XXXX XXXX XXXX who told me that I would most certainly face legal sanctions if I did n't come in to sign a new disclosure, once they had corrected their mistakes. They also suggested that I immediately repay the loan and reapply for another loan. I still refused and told them I would agree to the terms outlined in original the disclosures and loan paperwork ; as such, promising to repay the loan at the agreed ( in writing ) rate. The branch manager then attempted to guilt me by staying the employee who closed the loan would be disciplined and said it was, " collateral damage ... I guess ... ). Now comes, this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 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:
I had XXXX bank accounts with PNC Bank. I closed them in XXXX this year. I used online statements. When I went to access my statements they were no longer available and the bank wants to charge {$10.00} a statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC bank Harasses me daily XXXX times a day to collect a debt within the 10 day grace period they provide even when told by me the debtor I will pay before end of grace period stop calling me I have new born baby sleeping, I shake with anxiety every time they call. PNC bank makes it near impossible to change owe date to middle of month for I the debtor to be on time while they take extra percentage rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20 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 charged XXXX-XXXX dollar late fees on a equity line of credit. 
PNC bought National City Bank. PNC accepted the terms and continued collecting payments for years on this acct The payment has always been due on the XXXX of the month as the online webpage states and shows that the payment is due on the XXXX and shows how much to pay also. {$40.00} was charged as a late fee XX/XX/XXXX, before the payment was due by PNC. See the copy of the webpage and my previous payments for payments made by me. PNC charged XXXX dollars again XX/XX/XXXX when the website show conflicting information ( due date on the XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and I have been charged XXXX dollars for XX/XX/XXXX If PNC will allow you to login to my account. you will definitely see the conflicting website due dates and amounts. 
Should PNC have to honor my agreement with National City.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03 00:00:00
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XXXX XXXX 2016 I had a call from PNC bank that someone has been using my card in XXXX. I blocked the card, requested a new XXXX, etc. Since then approximately once or twice a month I get charges from XXXX and XXXX which I do n't and never have an account with. On XXXX XXXX 2016 I called PNC customer service and the person I spoke to assured me she put a stop payment on XXXX. Shortly after that I was charged by XXXX again. Since the first occurence in XXXX 2016 I had to change my card numerous times, waiting a week to get a new XXXX every time. I had to change my direct debits and file about XXXX disputes!! 

I request a full inquiry into the matter with a written report on how these XXXX companies got my private information and continue to charge me every time I get a new card! I would also like to know what was done to stop this from happening. I would like to know on what grounds my dispute had been denied and I would like all the money I was ever charged by XXXX and XXXX back ( noone is going to give back the time I wasted dealing with all this mess! ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
My mortgage line of credit monthly payment will go up, XXXX 2016, from {$350.00}. to over {$850.00}. This is a payment I can not afford. Without any success I reached out to PNC to come up with a mutual solution.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
On XXXX XXXX I sold back my vehicle to XXXX in XXXX, it was purchased on XXXX XXXX. They gave me 46k for it but took off 1k due to minor rim damage, some scratches on rims. At the time of purchase in XXXX several warranties were also purchased including, rim/tire, theft, environment, etc. The dealer should have known about the rim/tire warranty as they sold it to me back in XXXX, this would have covered damage. Instead, they took off 1k off the selling price of 46k. 
The warranties were never canceled by the dealer, I was referred back to them by the issuing companies for cancellation. Please note, this is not the XXXX negative experience with XXXX XXXX XXXX. In XXXX I was advised by my sales rep, XXXX XXXX, I was approved for 25k by the bank. When I went in two days later on Monday, their business manager called and told me I was not approved after I left my car there to trade in. They pulled this stunt in order to get my car in, which they were very interested in with low miles, so they could buy it. My sales rep had sent me home thinking I had a bank approval. 
I spoke with a XXXX in their corporate office yesterday, XXXX, she stated if a claim had been submitted with warranty that would have lowered the refund amount when canceled. The cost of warranty is XXXX, there is no way they would take 1k off that for damage, maybe pro-rate it if anything. Either their math is off or they are just lying, more than likely lying so they do not have to pay me back 1k. 
Please advise them I will need a check for 1k to cover the difference from what I should have gotten, the rim/tire coverage should have covered the damage. Their address is XXXX XXXX # XXXX XXXX, NY XXXX. My address is XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, CT XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Management Services, Inc.
State: NE

Complaint narrative:
I disputed all/parts of the alleged debt owed and requested actual proof/documentation of the debt. Signed agreement with payments made. They responded to my letter and said after reviewing the debt they believed it was still owed. They did n't send me anything beyond that which makes it impossible for me to know if the alleged debt is accurate. They then filed a complaint in county court. I am responding to the complaint. This company recently settled due to collection practices on a class action suit. I feel they are still using questionable tactics. They now want not only the alleged debt but attorney and filing fees and that could have all been adverted if they would have provided me with the documents I requested but I believe they did that thinking they could make a little more money with this account by filing thinking I would agree to pay or a default judgment. I have dealt with them before and made an arrangement on a debt that they filed on that they provided me proof of so I think they thought they would get me to agree to this debt and the fees as well. Whether I owe the debt or not is not the issue ... the issue is I feel they filed to collect extra fees as I did n't make any arrangement with them because they failed to provide proof of the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I am trying to obtain a lien release. The original loan was issued XX/XX/XXXX by XXXX XXXX XXXX at XXXX XXXX XXXX, XXXX, NJ XXXX. The loan was paid off by XX/XX/XXXX. Unfortunately I can not locate my payoff letter/lien release. XXXX XXXX is no longer in business and the successor bank is PNC. When I contacted PNC they had no record of me or my loan/lien and refused to further assist me. My vehicle is now 25 years old and eligible for historic plates however NJ Motor Vehicles will not issue historic plates without a title and will not issue a duplicate title without a lien release. Please help me get a lien release letter from PNC. Thank you

Company response to consumer: Closed
Consumer complaint received 2015-07-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Hi, I could n't update my original Complaint which is Case number : XXXX. In the response it stated that PNC wanted more time to review. Well, it has just been brought to my knowledge that PNC moved to try and foreclose on my unit after I filed my Complaint against them with you. 
I have never been late with or missed a mortgage payment. I have all of my receipts. I also have the letter from the condo board attorney, whom they paid without my permission or knowledge of alleged unpaid condo fees, that they had " discovered '' an error in their accounting and had in fact overcharged me but could only go back 3 years in reimbursement even though I was due 6 years of reimbursements. A couple months prior, PNC paid the for all 6 years of which I did n't owe. I have attached the attorney letter. My Unit is XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Reference : CFPB Case No : XXXXLong story. Still find it WRONG! For a Bank to lie about needing a bailout, use that money to buy my bank and mortgage and refuse to help when asked and continue to act in a way that forced all the new regulations/California Laws that are supposed to prevent this. 
**HEY FEDS! I am in need of a bailout FOR REAL!!!! I will be HOMELESS very soon! And I am NOT lying!!! XXXX. After all the misconduct and run around and PNC now trying to run out the clock I have sent an official RESPA QWR to see what other inappropriate behavior might be happening. The latest it appears as I was told by an attorney the Due Diligence dated more than a year before NOD filing should VOID the NOD and foreclosure. But PNC will apparently proceed and force me to litigate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-24 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:
Bank rep came to my workplace in XX/XX/XXXX and gave sales talk about how if I opened an account with them and did a certain number of transactions I would get a large incentive ( {$200.00} ). Bank rep failed to explain to me I had to transfer a minimum balance into the account by a certain time or get hit with service fees. I never received a statement the first few months as the fees were apparently waived somehow as a " courtesy '' on new accounts, and I was traveling and did not use the account. I thought either PNC had automatically transferred money from one of my other bank accounts into the PNC account, or else the account was not fully activated till I went online and took some action. I received a debit card but did not get around to activating or using it. 
In XX/XX/XXXX I received out of the blue a statement from PNC showing that my balance was XXXX AND I owed them a XXXX dollar fee. I basically got charged a fee on an account I never used ; never put money into or out of, never activated or used the debit card, never logged into PNC Online Banking. It 's an inactive account and they charged me a fee without fully explaining that I would get hit with fees if I did n't put in a certain balance by a certain time. I have called them and asked that the account be closed and the fee waived. I did not open this account with the idea of owing the bank money, I thought I was getting a XXXX dollar incentive ( which I never got because I needed to use the debit card within some " promotional period '' to get that money, apparently ). I was misled by the sales rep and I just want this to go away and I do NOT want to pay a fee on an account I NEVER USED. 
See attached letter for more details.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
Traded in my BMW and we were given a 10 day payoff good through XXXX. Check was received by BMW on XXXX but they refuse to close my account and charging way more per diem after the already received the check on XXXX they wo n't even apply the check. This is clearly inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04 00:00:00
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I had a checking and savings account with PNC for around 4 years. I also had a revolving credit card ( card where you put down money as collateral, in my case {$300.00} ) While at PNC I experienced having to pay to take my money out of my savings account, unforgiving overdraft fees, and all together lousy service. I was stuck with them though because they were the most convenient option given where I lived. 

On to my complaint. When I moved across town, I switched banks and went to close out my accounts. Checking and savings were closed just fine. To close my credit card account, I had to pay the full balance of the card which was {$380.00} minus the {$300.00} that I had put down on the account. I was dealing with a banker, not a teller. I handed over the {$85.00}, and was not given a receipt, but I was told it would all be taken care of. 

Fast forward 4 months and I get a call from a COLLECTION AGENT of PNC asking me to pay the balance on the card of {$150.00} dollars. She also informed me that my account had been closed. I went into the branch that I had gone in to close my account and see the same banker I had dealt with. She remembers me and after I explain what happened, she calls customer service and files a complaint. I get a call 2 days later from consumer complaints and I am told that my agent will investigate the records from the branch in Ohio that I dealt with for the {$85.00} that I had paid when my account was closed. A couple days later I get a call. She did n't find anything supporting my claim, and that I have to pay the balance in full. 

( The date of account closing and final balance on card are approximated, after many phone calls, and records showing different amounts. This is because I NEVER RECIEVED A RECIEPT ) What does n't make sense to me is why in the world would I close all of my accounts and ask for my revolving credit card to be cleared of all charges except the {$85.00}? What kind of XXXX would allow me to do that? Why would they refund my {$300.00} dollars and keep the account open, without any collateral? 

I have been very patient. I put up with a lot of ABUSE and have paid EXORBITANT FEES in my time with PNC. To me this is just another in a long string of UNFAIR COLLECTION PRACTICES.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
I have filed bankruptcy and I need for it to show in the XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I am writing to make a complaint against PNC Bank, NA. My husband and I have a home equity loan with PNC Bank that we 've had since XXXX. Our loan is due to be paid full by XXXX XXXX. We are starting to make principal only payments on the balance so that the loan will be paid full by the above date. 
I went to a branch drive thru on XXXX/XXXX/XXXX with a coupon and I wrote in bold letters " Principal Only '' in the amount of {$200.00}. After leaving the bank, I discovered it was processed as a regular payment. I then called the branch and was told by the teller, they have no button on their system to process " principal only '' payments on a home equity loan. I then had to call customer service and request the payment be reversed. I have been on the phone everyday talking to various customer service staff to see how to get my " principal only '' payments processed as such. 
I 've been told all payments will be processed as " regular payments '' and then they have to request that Branch Support Hot Line reverse the payment as principal. I was told this process takes approx. XXXX days. I then asked will the interest accrued on account be reversed and I was told, " No ''. Well in my mind, this defeats what I am attempting to accomplish if I 'm still accruing daily interest ( approximately {$8.00} per day, last time I was told ) and it 's not be reversed. 
I had a home equity loan with XXXX XXXX XXXX and we could make a " principal only '' payment anytime, at the drive thru or inside a branch, and my receipt would indicate " principal only '' payment. 
I think this is a way to collect more interest from their customers who have home equity loans with PNC Bank, NA. How could a bank in the lending industry not be able to service all loan customers in a fair and equitable manner? 
My wish from this complaint is that PNC will have to put in place an option for home equity loan customers to be able to make " principal only '' payments on their loans just as home mortgage customers have to option to do so. At the very least, if that 's not an option, then to reverse the daily interest accrued on account while waiting for payment to be reversed to a " principal only '' payment. 
I appreciate your assistance in this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25 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:
Their over draft fees when I deposit my checks money is In my account pnc charges XXXX $ over draft fees and XXXX $ a day thes over draft fees r killing people specialy the XXXX or the XXXX. This is a shame something needs to be done this can go on we r on a fixed in come thes fee need to be aballished. We have bills to pay food to by and R meds please we need help

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-18 00:00:00
Product: Debt collection — Payday loan
Issue: False statements or representation — Impersonated an attorney or official
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
The company is owner of the note is dispute. and the calls at XXXX or the calls at XXXX are against the credit laws. The amount is incorrect on the note amount. 
I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.

Company response to consumer: Closed