vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-07-07 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I'v been a happy customer of pnc bank for almost a year now but was very dissapointed when I signed up for a service to email me when my account was overdrawn and it did not do this service, resulting in several overdraft fee 's. I calmly called pnc and told them that I recived a email about me overdrafting after I was already charged. They do give you 24 hours to account for the negative transactions, but because I rely on these services that were offered to me I was unaware that I was in the negative. The man apologized and offered to rid the extra charges given to me. But he also told me that I needed to put money into my account to account for pending transactions on my card. I told him that would n't be a problem and that I was in a rush to work and that I would deposit the money into my account when I got off. He said I 'd be fine and asked if there were anything else he could help me with I told him no and to have a nice day. I got off work and put the {$40.00} into my account which was enough ro cover my negative account and my pending transactions around XXXX. The next day I was charged for the pending transactions and more overdraft fee 's. I did n't know what to do at this point, so I call pnc bank again and ask what was going on with my account and was told I did n't put my money into my account before XXXX. Now I understand there are rules which is not a problem with me but the fact that I was not specifically told that I needed my money in before XXXX. I tried to fix my problem by putting the money into my account. I called and talked to several people about it and they all told me they could n't do anything for me. I 'm just upset that there was an opportunity for the employee to tell me the deadline was XXXX and he did n't tell me. Thought the several calls I had made there were different information given to me by each on and nothing seemed clear to me. Pnc never put me in the right direction in order to fix my account and when I had asked them for help there was nothing they could do for me. I feel this was very poor service and the last two pnc worker 's were rude with me. I genuinely tried to fix my problem and was told I was wrong and nothing could be done for me. And because of the lack of training in this guy who miss informed me and told me I would 've been fine depositing after work, I was charged {$200.00} in overdraft fee 's. I would 've avoided this whole situation if I was given one piece of information. I almost missed my family reunion because of these charges to my account. Everyone I talked to seemed to not care at all and for that I will be leaving pnc.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
Collection Information Bureau is attempting to collect a debt I do not owe and harassing me at work and after hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: NJ

Complaint narrative:
We are experiencing a very difficult time with the Stearns Lending LLC based out of XXXX, VA. 

Stearns Lending ignores customer requests. They do NOT provide written confirmations or guarantees of service requests. ( Such as reversing their errors. ) If there is a late fee, they will continually apply late fee payments to the principle and will never mark an account as up to date. So your normal mortgage payments are seen by them as being underpaid. They will hold your payments and NOT apply them for a whole month and then take next month 's payment and pay off last month and say that the CURRENT month is now late. If you get a late payment, they set up a scheme to NEVER stop charging you late fees. 

XX/XX/XXXX our mortgage payment increased due to local taxes. We make auto payments through our bank so we did n't realize that we had to pay more. In good faith we called Stearns Lending and asked " What do we have to pay to have our account be up to date and all late fees paid and be good with our normal payments '' They gave us the wrong amount over the phone. ( Requests for written information were always denied. ) In XX/XX/XXXX after we made our 'good faith ' payment. Stearns mailed out our statements late for XX/XX/XXXX. So we 'according to Stearns ' were still in arrears due to their late payments. Even though we promptly paid the amount they told us to. Since then ( XX/XX/XXXX ) it has been a constant cat and mouse game with Stearns, trying to get them to remove late fees and apply our payments properly. 

I believe they do these practices on purpose in the hopes we 'll just bend over and pay all their false fees. 

We make written inquiries via their website contact form and inquiries take forever to be acknowledged. They stall more by saying repeat inquiries will only delay the process. 

Do NOT use STEARNS LENDING for your mortgage.

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 2016-02-23 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have a vehicle financed of which i paid a total of 59 payments on a 60 payment loan as of XXXX/XXXX/15. The financial institution was trying to charge me an additional XXXX in interest which i had made multiple requests and sent multiple overnight letter to try and discuss due to this should not be due and it has gone un responded. I have since made the 60th payment on my loan and still they do not respond and will not try and help. We did take extensions on the loan due to family illness and job issue during the 5 years which is way our maturity date was moved to XX/XX/2015 but all payments have since been made our original maturity date was to be XX/XX/2015. Any help to gain a response and to help fix my wife 's credit for the last few months would be great. Each time i have spoken to a representative they advised to hold the payment until the issue is taken care of and it never was and they in turn reported negatively on her credit.

Company response to consumer: Closed
Consumer complaint received 2015-07-12 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: ID

Complaint narrative:
I called the bank who holds my second mortgage/home equity loan, before the payments were to go up from XXXX to XXXX per month. I called on XXXX XXXX, 2015 to modify my loan payment, which they say was to expire on XXXX XXXX. Today, it is XXXX XXXX and they still have not modified my loan. They are asking me to sign documents which they say are original loan papers. After four months of negotiations, and having never missed a payment, I have n't any modification. Why do they threaten me that if I do not sign these loan papers, that they will not give me a loan modification? They also threaten that if I do not sign quickly, I will have to begin applying for a loan modification all over again. I ask them why they threaten me with this every month since XXXX? They do not answer this. I am a victim of bank greed and I need your help. I am also wondering if I am victimized because I am an XXXX. I see that the courts ruled that National City ( my original lender ) was discriminatory to XXXX and XXXX. How about registered XXXX? My payment increased 255 %, and my paycheck did NOT increase that much, but my husband did lose his job and we had to begin all over again. The economic downturn was caused by the banks and I tire of them preying on me, and all Americans, regardless of their culture or race. One more point : PNC was only able to buy NatCity because the US treasury gave them the money. Taxpayers money. Our money. My money. So, should n't I own a piece of PNC? I would be happy to give myself a modification. I am a good tax-paying person, who has never missed a payment. I have been treading water for eight long years now. I do not want to lose my house. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-05 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: OR

Complaint narrative:
I have been getting robo calls from a debt collection agency called " Alliance 1 '' for over XXXX months. The calls average XXXX times per week. They are attempting to collect a debt for someone whose name sounds like " XXXX XXXX ''. I am sick and tired of their harrassement and want the calls to stop.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16 00:00:00
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
So this company by the name of DRS, " Direct Recovery Services '' called in regards of a debt I owe from a online payday loan called Cloud Lending. I do n't remember if I did get a loan from them. But they had called saying I owe this amount. I do n't if this debt is true and I never received a letter verifying the debt. This DRS ( Direct Recovery Services ) does n't have a physical address. All they have is a PO box address in XXXX different states. They sent an email for me to sign to authorize to make payment through internet program XXXX. I have n't received a letter from this debt collection for my to verify this amount owe. They claim they do n't have to.

Company response to consumer: Closed
Consumer complaint received 2015-09-22 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 entered the bank Saturday morning XXXX XXXX, 2015 to cash a check from my employer. I was informed I would not be able to cash my check because the amount of funds in the account was not enough to cover the check but I could deposit it. I said this does n't make any sense I am a member here and I need to pay to have my tires fixed next door. He ( XXXX ) told me there was nothing he could do so I asked why have n't I received my debit card and he looked into my account and said it had been mailed two days prior. I asked if and when I get my card will I have trouble with accessing my funds once my employer begins to submit direct deposits, he said no. I requested to withdraw the funds I had in the account and asked if there was a bank close with the logo on my check. He told me where it was located, the teller gave me my funds and I left. My debit card arrived in the mail on XXXX/XXXX/2015, it would not activate. I called the customer service line, I went to a branch and was informed a replacement card was ordered. I did not authorize a replacement card nor did I ever ask for XXXX. I called into the branch requesting the name of the person who helped me on Saturday and XXXX answered the phone, after describing my situation he informed me he was the one who helped and said we discussed a replacement card and hung up in my face but we did not and the other teller that was standing there should be aware of that as well. I believe XXXX put in the fake request for a debit card as a retaliation of me having an attitude about not being able to cash my check and withdrawing the funds that day. I did not authorize the transaction and it put me in a bind of being able to pay my bills because electronic check is not accepted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-03 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: CA

Complaint narrative:
This company collects for XXXX XXXX XXXX Court, it was for an old red light camera ticket that I was never aware of. what happened is it came to my attention when they intercepted my state tax refund, then I contacted them and paid the remaining balance. I had paid this debt around XXXX of 2014 to XXXX. I asked XXXX several time for proof the debt was paid they would n't provide it. They did say the account would be reported as paid to the XXXX major credit bureaus. Later on 2014 around XXXX, a property management company pulled my credit for approval on a rental. They informed me of a negative item still showing. This alleged still outstanding debt. I contacted XXXX yet again, they informed they had done the reporting as paid. I informed them it is still showing, and it needs to be resolved ... Now this year I pull my free credit reports as allowed once a year and again ... This is account is still showing as a derogatory item on my XXXX report! This Company is in direct violation of the FCA and FDCPA. My attempts to resolve this with them have failed they are n't following through.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION
State: VA

Complaint narrative:
My name is XXXX XXXX. I am writing to you because of the dilemma I seem to have with getting my mortgage adjusted to compare with other upstanding and/or low standing citizens of this country. 
I am a XXXX yr. old self employed, divorced man that refinanced my primary residence ( thru BB & T ) in order to pay off my XXXX wife 9 yrs ago. 
The fixed rate on my mortgage was set at 6.35 %. I have attempted many times to refinance this mortgage. But, due to guidelines set after the meltdown in 2008, no one has offered to refinance my mortgage because I 'm self employed and do n't show a good enough income on my tax returns. 
I have held many mortgages in my lifetime and they were always in good standing.I own collateral real estate that should easily back me up on my existing mortgage. I 've been self employed in the XXXX XXXX XXXX for over 32 yrs. 
Other than the fact that the I.R.S. allows the self employed individual, that runs a service business, to write off many business expenses, I am better qualified than most refinance applicants. 
So, as far as I see it, this is blatant discrimination against XXXX ' hard working, honest, self employed individuals. Who knows where this might go, but I have no other choice, but to stop paying my mortgage to get some attention. 
I am a master electrician, plumber, mechanical tech and appliance tech. I pay my bills and take care of my responsibilities. 
Recently I have had some challenges that have influenced my decision to pursue serious negotiations with BB & T, i.e., XXXX and a XXXX, XXXX, XXXX XXXX XXXX, XXXX, moved my Mother into my home, basement flooded, XXXX. composite and tile deck disintegrated, Concrete patio and driveway are broke into many pieces, Heat pump needs to be replaced, XXXX roof needs replaced, My business truck XXXX was totaled, etc. 
The main objective here, is to lower my interest rate to 3 % or less, and switch to a 15 yr fixed mortgage and start all over with NO penalties, NO past due interest, No past due premium, No FEES!!! 
BB & T has taken tens of thousands of dollars from me over the years in interest and its time for a fair and reasonable business relationship or none at all. 
Sincerely, XXXX XXXX

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 2016-08-11 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Threatened arrest/jail if do not pay
Company: Direct Recovery Services, LLC
State: CA

Complaint narrative:
XXXX XXXX ( NOT SURE ), SAYING SHE JUST GOT THE COMPLAINT TODAY AND WANTS TO KNOW IF THIS WAS INTENTIONALLY IGNORED OR OTHER SITUATION. NEED TO CALL THEM BY XXXX. AFTER THIS, THAT WAS THE TIME AUTOMATED MESSAGE SAYING IT IS AN ATTEMPT TO COLLECT A DEBT BY DIRECT RECOVERY SERVICES. 
AND AFTER A FEW MINUTES CALLED ONE OF THE NUMBERS ON MY CELLULAR ACCOUNT WHO IS NOT EVEN ON ANY OF MY CONTACT INFORMATION SAYING THE SAME EXACT THING.

Company response to consumer: Closed
Consumer complaint received 2016-01-04 00:00:00
Product: Debt collection — Mortgage
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC Bank took all the money out of my savings account.with no notification. They say it is for a forclosed loan from XX/XX/XXXX. I have had bank accounts with them since XX/XX/XXXX and one has contacted me. My pay checks are direct deposit and they waited until my pay hit then wiped out my familys savings account. They have had my address, phone number and email for years. They communicate to me about bank specials and advertisments, but never once brought up an outstanding debt that I thought was handled when the property was forclosed on. Can they do this just take someones savings account with no notification or contact?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: WA

Complaint narrative:
I refinanced my loan which closed on XX/XX/2016. The funds were wired into Stearns bank account on that day. I have been overcharged for XXXX PMI payment for the month of XX/XX/2016 and have n't received my taxes of {$1400.00} both from my escrow account. It 's odd that in the past Stearns paid my taxes in XX/XX/XXXX and now they are saying they paid them in XXXX XXXX early?? ) XXXX XXXX records show and have told me personally that the tax payment for my XX/XX/XXXX bill was paid by XXXX The payoff amount that XXXX paid Stearns matches the payoff statement by Stearns but Stearns posted a lessor amount on my statement as well. No dates, numbers match in these documents at all. I 'm being overcharged, they are committing fraud and I would like my money.

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 2016-01-25 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: AE

Complaint narrative:
Lender Live has began the same unscrupulous tactics that began XXXX 2015 ( see previous complaint ref # XXXX XXXX. I have bean receiving multiple phone calls daily stating that I did not pay my mortgage in XXXX. I have bill pay which automatically sends a check monthly. The agent ( XXXX ) recommended that I make a payment immediately so it does not show on my credit report. I told him no since my bank makes the same payment each month. XXXX stated that since there is no coupon associated with the payment, the computer may misdirect it and I am still responsible even if I have confirmation from my bank when the check was mailed and delivered. My account number and property address is on each payment. I should not be harassed and threatened because the organization does not have the appropriate systems to process payments.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
My credit card erroneously debited my bank account ( PNC Bank ) for the entire card balance instead of the payment submitted. There were insufficient funds to cover the payment, which was XXXX my bank balance. PNC Bank approved the charge, adding overdraft fees and leaving me $ XXXX overdrawn, with my rent and bills STILL DUE. 

The credit card company, XXXX, is refunding my account - but the transaction should have been declined by PNC Bank in the first place, because now I will have late payment charges for my rent and other bills since that process takes 5 days. 

This should never have occurred in the first place. The charge should have been declined for insufficient funds, leaving my bank balance intact.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15 00:00:00
Product: Debt collection — Payday loan
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CNG FINANCIAL CORPORATION
State: CA

Complaint narrative:
There is a company called XXXX XXXX XXXX their number is XXXX ext XXXX and fax XXXX. This scam company acquired my mobile number and work number. A woman by the name of XXXX XXXX called claiming that I owed a pay day loan back in 2009 for Check N Go. I dealt with the original creditor Check N Go and cleared my name and identity due to Identity Theft. The original creditor was sent a Police Report & validation letter that was notarized and a letter from my attorney at the time. XXXX XXXX XXXXf XXXX XXXX XXXX XXXX read off the last XXXX digits of a social security number that IS N'T mine. She started to read a current address that was obtained only 1 1/2 yrs ago as well as phone number obtained only XXXX XXXX ago. She said she found my information through a system called XXXX XXXX. I told her I have been a victim of Identity Theft and I have an attorney. She then put me on hold to speak to their Identity Theft Department. A gentlemen by the name of XXXX XXXX came on the line. He then started to prob me, I told him I am late and I do not have time to revisit the same material as I did with XXXX XXXX. He gave me a fax number to send my information too. I also never received a letter from the original creditor nor did I receive a letter from their company XXXX XXXX XXXX XXXX of proof of debt validation. There were no documents involved, just messages left at my place of business and mobile, along with harassing and probing communications.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
Name of Creditor : IQ DATA INTERNATIONAL IN Address : XXXX. zip : XXXX, WA XXXX Re : XXXX XXXX at XXXX Amount : {$460.00} Dear Sir or Madam, I am disputing the validity of the debt referred to above. I am not aware of the account number and you have not informed me of the existence of this account. 

I am willing to pay this account IN FULL ( or a settlement percentage, whichever is feasible ) if you agree to immediately delete the account from the credit reporting agencies ( namely XXXX, XXXX and XXXX ) that you have reported to, and validated this account. My sole purpose is to get this item removed from my file. This letter should not be interpreted as recognition of the debt or acknowledgment of liability for the debt.

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