vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-09 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:
My checking account with PNC Bank had a low balance which decreased monthly due to the {$12.00} fee that was assessed each month. I went online to check the status and to make an online deposit/transfer on Monday XXXX/XXXX/2016. I did not see the account when I logged in. 
I called the XXXX # ( XXXX ). A representative by the name of XXXX XXXX ( interesting name ) advised me at XXXX EST on Monday XXXX/XXXX/2016 that the account had been closed and charged off. I asked if I should have received some communication before such a drastic step was taken. I was told that I would have received a letter or would be receiving a letter. I advised that I did not receive a letter and would not need one after the account was closed. I asked when does my account say a letter was sent. He replied that he does not show one was sent. He then offered to transfer me to a specialist to discuss my situation and I was transferred to a recorded message that said " your call can not be completed at this time, please try your call later ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-13 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: KY

Complaint narrative:
We acquired a loan XXXX/XXXX/2012 in the amount of {$100000.00}. The cost of our house was {$110000.00}. We currently only owe {$36000.00}. I have never been late on a payment and my credit score was XXXX when we acquired this loan, so we should not have been considered high risk. My issue is that PNC wants to require us to get an appraisal that will cost {$500.00} before they will remove our PMI. I think it 's unfair to make us pay an additional {$500.00} when our current LTV is XXXX %. Is there anything that we can do to make them remove our private mortgage insurance since we are way below the XXXX % LTV?

Company response to consumer: Closed
Consumer complaint received 2015-10-05 00:00:00
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
My husbands mother passed away in XXXX. We have sent an original copy of her death certificate and filled out the paperwork that they sent. We received confirmation that they received these items and they still call XXXX times per day ( each of our phones ). Each time we explain what has happened and each time we are told that the calls will continue until the mortgage is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Alliance One, Inc.
State: PA

Complaint narrative:
Call came from Alliance One. 

Called a XXXX year old girl and then hung up rather than address fact that they were calling a child to collect a debt and would not identify who they were. Only when we did an Internet search did we discover what kind of call. 

When I called back, call routed to voicemail.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
I was behind on my loan and BMW contacted me and said that I needed to make a payment through XXXX XXXX or my car was at risk of repossession. Their employee XXXX XXXX specifically said that once I made the payment through XXXX XXXX that they would not take any further collection activity. I made the payment as requested through XXXX payments using XXXX XXXX on XXXX XXXX and XXXX XXXX and provided my account number to XXXX XXXX using Urgent Delivery in a service that is advertised as the receiving party getting the money in minutes. On XXXX XXXX BMW repossessed my car in complete contradiction of what their collections agent told me. I have requested a detailed account history from them through certified mail and through their secure e-mail service and through their call center and they will not provide the information I am requesting. The forms they sent me during the repossession did not include the information that was required by law and the amounts listed did n't match information on statements. The frequently changed the terms giving me 20 days or 14 days to pay the balance in full or make arrangements. Their agents frequently hang up on you when you try to ask questions and they claim they are not allowed to call you back because they only accept inbound calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC closed out my checking account back in XXXX of XXXX. They sent no letter or explanation as to why and took {$170000.00} of my money. As of Friday XXXX XXXX, XXXX there is a small balance in the account but it is still open and there is a hold on it. I want to know how a bank can get a way with this. Giving a customer no reason as to why they are closing the account by way of XXXX CLAIMS DEBIT. I called several times and asked for an explanation and never received anything. ( I have enclosed a copy of the last statement of the checking account showing the withdrawal. )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
PNC ( XXXX Ohio ) has offered me the opportunity to do a loan modification. I have worked with XXXX ext. XXXX, XXXX ext XXXX and XXXX at XXXX. They have XXXX people who work in this loss prevention department and appear to be offering loan consolidations. I have faxed, emailed and mailed the documents three times ; each time there has been an issue with it being lost, " more things are needed '' that were not mentioned and there is this weird three day waiting period for emails where nothing is ever received or found out about. It seems to me that if they really wanted to process anything they would receive the email, collect documents themselves and process them. They appear to be obscuring the process, making it difficult to modify, while in the process collecting fees of XXXX a month. At this point, they have drug their feet on my modification and collected over XXXX in late fees. I am asking them to process my modification and take some of the late fees and default charges off the account, but I am not able to follow through on the process because of lost paper work and supervisors who do not return my phone calls. I do n't feel that it is fair for me to pay all the late fees when they are obscuring the modification process and dragging their feet in the process, losing documents. There is a significant amount complaints about PNC online regarding lost paper work, organization and neglect. It appears that they are in the business of collecting fees. And they have no urgency to see something through to help their clients.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I have an auto loan with BMW Financial Services, I 've been trying to remove XXXX 30 day lates that are on my credit report. I received a copy of my payment history reflecting the payments they received from me but they are not correct. I would like assistance from CFPB in solving this matter and having these lates deleted from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-10 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
I have tried to do everything we can to keep our home but seems those options are no longer a possibility. It seems that NATIONSTAR simple prefers to remove us from our home with a foreclosure or short sale. At the current market rate, NATIONSTAR will not benefit for any of these XXXX options, however I know that it will be at the best interest for NATIONSTAR to help us with the modification. 
According to Nationstar, the denial was based on that by the time the modification matured, there was a remaining balance due of {$99000.00} and due to the net property value. 
We do NOT want to lose our home and for this reason we are asking for NATIONSTAR to carefully re-review our finances and reconsider their decision. I know that with my income and my husband 's contribution income, we CAN afford our home, however we are only asking for NATIONSTAR to help us in reducing our mortgage payment. We want to stay in this home and our childrens home until our last breath however the only way we can do that is by making our mortgage more affordable within our means. 
We have also put on complaints letter thru NATIONSTAR 's CEO 's office in hopes that they will escalate my case within their office, as well as a filed complaint thru the Attorney General 's Office of the state of California and the Consumer Financial Protection Bureau. 
I hope that after NATIONSTAR re-reviews our finances more carefully, determines that the best option for them is to help us keep our home with a loan modification.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: NJ

Complaint narrative:
been trying for over 3 years with nationstar for a load mod., in that time i have worked with over 100 of thier workers never the same person which is not good when you trying for something so important, i have mailed or faxed what they keep asking for only them to syy they never recieved it or needed more, i was always willing to send because this house is important to myself and my XXXX wife i have read where nationstar does this all the time i need your help that

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I have XXXX 5 year notes with BB & T that is due in XXXX XXXX. The notes are for property that I purchased where I run my business, a software development company. The loans are not only secured by the property but by my personal assets. 
Under the terms of the contracts, 1 ) I was to supply BB & T with my personal and financial returns every year within the first 90 days of the year and XXXX ) Maintain a corporate debt to income ratio of less than XXXX. XX/XX/XXXX, I was informed by the Asset Recovery Division of BB & T, that I was in default of my loan for the above XXXX provisions. This was even though I was never late on a payment! I explained that BB & T did receive my financials returns, not within the first 90 days of the year, as our CPA filed late that year ( we filed for an extension. ) But they did receive the financial returns XX/XX/XXXX. With regards to the debt to income ratio, we reduced this XX/XX/XXXX after a stellar year. The bank 's response was " If I can pre-pay off the note in XXXX XXXX, ( 6 months before it was due ), they could work with me. '' There is also a XXXX % fee for early pre-payment. I told them that 1 ) I was not going to pre-pay off the note early 2 ) I would refinance the note with another lending agency in XXXX XXXX. 
In XX/XX/XXXX, BB & T started adding additional fees to my note. They added the following fees : 1 ) {$1000.00} fee for XXXX appraisal fees -- why they would want to have the properties appraised considering my stance regarding refinance is unexplainable. There is a provision in the contract that states if an appraisal is necessary I would be responsible for that fee. Again, why would an appraisal fee be necessary if I clearly stated I would not rein finance with them? 
2 ) {$3500.00} ( approximately ) in attorney fees. One letter I received from their attorney stated that BB & T 's position is that they will not refinance their note in XXXX XXXX. I asked why I have to pay for their attorney fees and their response is that I am, in XX/XX/XXXX, still in default of the provisions of the contract. My position is 1 ) I am no longer in default as of XX/XX/XXXX, 2 ) the fees added were all assessed in XX/XX/XXXX. Since BB & T just added these fees to my current notes,, and since I disputed these fees, my loans now show as late. I have never been late for any payment. I maintain a XXXX that is 26 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC
State: SC

Complaint narrative:
I have reported inquires to all XXXX creditors on my credit reports. They said if you believe that identity thief is being used from these credit inquires to contact them. I have too many inquires on my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
when we bought our house last year, we volunteered to sign up for an impound account so that we would n't miss a payment. Our mortgage servicer, Select Portfolio Servicing in XXXX XXXX XXXX, Utah, takes our money for property taxes, and then refuses to pay them. They have had XXXX opportunities to pay on time, and have failed all XXXX times. Last year, we faced XXXX dollars in fines because of them. This year, i 'm lucky i caught it on time, because they XXXX yet again. This is nonperformance of our mortagage service agreement, and they need to sell our loan to a competent servicer. This is ridiculous.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY

Complaint narrative:
XXXX XXXX XXXX committed fraud and while my payments where XXXX $ dollars after years of payments with fixed rate they increased payments by XXXX $! plus. Then they sold my loan to Select Portforlio Servicing XXXX XXXX XXXX XXXX XXXX. There fax number is XXXX Fax. Select Portforlio Servicing is working along XXXX XXXX XXXX plus my original loan documents loan is not found or they wo n't produce it. Please call me as soon as possible XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
I complained about BB and T putting an unauthorized hard copy on my credit report without my authorization. XXXX is the complaint number. I never received a satisfactory response on this complaint. I asked for the inquiry to be removed from my credit as it caused my credit score to drop by XXXX points. They told me they had the authority to run a credit report on me since there was " signage '' in the bank. I never saw any signs. I have had a checking account with them since 2008 and took a cashiers check to be put into a savings account to be linked to my checking account. I was not applying for credit although they tried to give me overdraft banking and a credit card. I never asked for any of these and refused. They obviously pulled my credit in order to attempt to cross sell me products that I did not want.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-14 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
We had a water damage in our house XX/XX/XXXX. We received the check for XXXX from our insurance company and send the package to Nationstar Mortgage with ALL required paperwork. They received it on XXXX/XXXX/2015. Till this day Nationstar did not do disbursement to us. I called numerous times without any results. Here is the dates : XXXX/XXXX/2015, XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015,XX/XX/2015.Every time I call, I stay on the phone 20-40 minutes. On XXXX/XXXX/2015 I was waiting for supervisor, her name is XXXX for almost 2 hours, only for her to tell me that she will follow up on my disbursement request, which she never did. Nationstar is using off shore operators, who are poorly trained, they can not explain anything, they read notes on the screen and do n't understand a thing about the process. I feel that Nationstar is abusing its customers. On XXXX/XXXX/2015 I spoke to XXXX, who told me that somebody misplaced the contractor 's bead and my disbursement was stopped. On XXXX/XXXX/2015 spoke to XXXX for the 4th time, stayed on the phone with her 33 minutes, once again was told that disbursement request is send for approval, and she will call me back tomorrow to follow up. Of course, no one called and there was no check send to us. In the meantime insurance company issued us an other check. Nationstar is holding {$100000.00} of our money. The water damage was very extensive, my family has to stay in the half destroyed house. We are desperate, we want to start repairs. It is absolute nightmare to deal with Nationstar loss department. Nationstar mortgage needs to train their loss department operators, so they will do their job. Please, help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: MI

Complaint narrative:
Dear sir/madam, I heard about you through a magazine. your article gave me a hope so I hope you can help me as well. I would like to complain about nation star mortgage. I have bee with this mortgage company since 2007. I have refinanced my house once in this whole period of time. Last year my husband was incarcerated, and I was left with all the financial responsibilities. I have XXXX kids, and I work full time in retail. I have been trying my best to take care of everything. I work long shifts and sometimes I work 7 days a week. I can not spend anytime with my kids. they stay at my parents or sisters during the time I am at work. I tried to get some help from Nations star mortgage. first of all they took forever, the person who was assigned to bring my mortgage amount lower was so hart to get a hold of. he would never contact with me on a timely manner, the time he would provide me with the updates. I was so tired of calling Nations Star. They would never give me a proper answer. I had almost given up. One day I got a letter that I was not eligible. I think they did n't take proper action to solve my problem. I am so furustrated. Please help!!!! 
thank youXXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
XXXX I have been diligently negotiating a Note Modification with Nationstar Mortgage. Since the inception of this negotiation Nationstar has been adding erroneous amounts to the impound account. Briefly {$550.00} per month will cover all the impounded expenses. Nationstar has been accessing {$870.00} to impound expenses ( see attached letter with back up to Nationstar ) Since XXXX/XXXX/2013 Nationstar has been applying these extra amounts to principle. I pay the insurance. There are no XXXX fees. The only item impounded is the Property Tax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION
State: FL

Complaint narrative:
Hello I have been trying to work with BBT on a loss mitigation package for assistance. However, it seems that they are intentionally failing to log in received documents and failing to follow through with return phone calls. For example they called and asked for profit/loss statement, then asked for it to be for the 3 months prior which would be XXXX, XXXX XXXX 2016, then asked for it to be individually stated. Each time I give them what they asked for and it was never acceptable. Then the next step it was n't received. Every time you speak to someone its a different request. Then they stated they were missing information on the bar assistance, why not tell me that in the beginning. Then you send it what they asked for then its missing this column. Ok, now back to missing the profit loss. I think they game me the run around to get the foreclosure in. I fax and email them the requested documents each time and when you call to verify it takes time, You call back after a few days, oh we apologies we do n't see it. I also asked for supervisor to call me no return call! But then they see in the system where the request was made but do not know what happened. I called today to find out that it was denied. I received a foreclosure letter with 20days to respond on XXXX XXXX. i mailed in the response today, I tried to make a payment in the amount of {$15000.00} to the bank and could not. I was on medical leave, XXXX. I had to start a business this summer if not I would have been homeless and on the street. I need help to save my home and to receive and ethical professional service from BBT.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation