vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-03-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: ND

Complaint narrative:
I am the executor of an estate who requested information from the institution relative to outstanding liens by the original holder. PNC bank gave me great difficulty in addressing the issues that were requested by my lawyer in validating the legitimacy of the their liens before paying. i had presented my credential to Once I received the proper statements I paid the amount less the legal expenses incurred by addressing collection agencies. What happened next after I authorized the payments with a report is there starting debiting my estate account without my authorization even after my remittance in good faith with accounting claims attached. then they threatened me with financial demerits if I did not all other electronic claim on the estate account. Now after paying and I am in a lawsuit they wrote off the loans with no payments for their accounting. I learned about this during a credit check because of my lawsuit. I went to the bank to ask for assistance and was threatened with security even though I was sitting down asking for documentation and contacts within PNC to resolve my Issue peaceably. The threats were carried forward even today because it was not suggested that I return to clean up and find communication required to clear my name.even though the local branch had ample information to aid in my defense they seemingly insisted that I take it up in another city and kept giving me communication links to corporate. They have my father 's account written off and note that I outstanding was never paid in full even after my accounting. The local branch officer XXXX XXXX the account manager who basically hung up the phone up on me and told me when I went they she did not have the time of day for me. Had she given my the responsive information I would not be writing this. 
Now we come to extra expenses because PNC failed to report under a seemingly proper accounting where I am reported as delinquent in their payments even though it is documented by checks but not by XXXX and other reporting agencies because of the records promulgated from their offices. Hence I am guilty before being proven innocent when trying to carry out the law while their reporting schemes undermine my integrity to their profit. They also failed to transfer the funds under proper accounting practices in NJ incorporating the XXXX form which should have been done when they relinquished or transferred funds to and estate fund as required by NJ law for estate taxation purposes

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Midwest Loan Services, Inc.
State: PA

Complaint narrative:
We are trying to get a refinanced mortgage, our rate is currently 5.25 % with XXXX XXXX. In the beginning of XX/XX/XXXX, XXXX XXXX from XXXX called us to see if we wanted a lower rate. We decided to check with other banks. Midwest Loan Services had our other mortgage prior to this house, so we called them.We talked to XXXX XXXX and went through the entire process, locked in rate of 3.125 % on XX/XX/XXXX. We received updated rate lock & good faith estimate on XX/XX/XXXX. On XX/XX/XXXX we received Approval with conditions form. On XX/XX/XXXX we were notified via email by Midwest that the Completed Appraisal report was received. On the same day we also received an updated GFE & truth in lending report. On XX/XX/XXXX we received an email stating that the property was not acceptable as collateral per XXXX guidelines as it is a manufactured home. Back in XXXX when we first started this process, we check with someone at Midwest in the department that handles manufactured homes and what is needed for it to be considered eligible property and we had everything that they stated and what is written in their website. 
Since this has happened the rates have risen a lot and that means $ XXXX of dollars and extra years of mortgage payments. We do n't fall under the HARP or other home preservation program that we are aware of because it was built in XX/XX/XXXX. 
My main issue is that Midwest stated on both their website and on the phone that they service manufactured homes yet after the entire process they inform us that they do not give mortgages for manufactured homes. We would n't have wasted XXXX months and all the hours of paperwork if we would have known this in the first place. We would have just refinanced with XXXX XXXX. Thank You

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 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:
After filling Chapter XXXX Bankruptcy, Alphera Financial Services/BMW was notified. I maintained communication with the company in an attempt to renegotiate the car note. My payments were timely prior unforeseen medical hardship. I inquired about having XXXX notes wrapped to the end of the contract and was successful. In XX/XX/XXXX, I attempted to get the vehicle refinances in-house and via other finance companies sources. Meanwhile, agents from Alphera called me relentlessly on a recorded line despite my demands the agents to cease and desist. I was told that I would continue receiving calls until payments were brought current. I removed my phone number from the online account but calls continued. I sent 8 emails but calls continued. In XX/XX/XXXX, XXXX an Account Manager in Collections transferred me to the finance department and I held for 2 hours until I hang-up. Calls continued to commence on a regular basis. On XX/XX/XXXX at XXXX, I spoke with XXXX on a recorded line however he did not identify that the call was being recorded. I asked for the mailing address for the company however he refused and hung-up abruptly. I located an address online for both XXXX and XXXX, I sent both companies a certified letter asking to cease & desist and offering to voluntarily surrender the vehicle. The letters were received by the same individual. On XX/XX/XXXX, I spoke with XXXX, Account Manager in Collections again to renegotiate my car note. I informed XXXX that I held for two hours when she transferred me to finance. I managed to get the refinance done online but the note was increased, although I attempted to get it reduced by Alphera in-house. At which time, I informed her that I needed to surrender the vehicle. In a threaten tone, XXXX firmly told me that calls may continue, if I surrender the vehicle it would be sold at auction and the debt would be placed on my credit until the full amount was paid in full. In XX/XX/XXXX, XXXX fro XXXX showed up at my house late one night, outside of normal collection hours, blocked my driveway and persisted to harass residents by ringing the doorbell numerous time to retrieve the XXXX. On XX/XX/XXXX at XXXX, a rep from XXXX came to my house. On XX/XX/XXXX at XXXX, another representative came to my house ringing my doorbell claiming to be someone with an alarm company but there was a tow truck present. 
Note : Proof of Phone Calls, Correspondence and Surveillance pictures of the repo reps from XXXX available upon request

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Gordon, Aylworth & Tami, P.C.
State: OR

Complaint narrative:
Several years ago I had a balance of {$2000.00} on a credit card. Due to life issues I ended up not being able to pay and then honestly forgot about it as there was no contact for years. About a year or two ago they drained my entire bank account and sent me info saying that I now owed {$7000.00}. I understand that this was my debt but that 's just crazy. I have now paid off $ 3000+ of it which seems more than fair in my opinion. However they are still asking for $ 4000+, 200 % of the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: CA

Complaint narrative:
My auto loan payment is due on XXXX XXXX - I rec 'd 2 text messages saying they were reminders with a disclosure at the end, that ended with this is a collection attempt. I responded heatedly that I did n't appreciate being treated like a credit delinquent in a reminder text. I made the payment on the XXXX XXXX. The payment shows in my bank history. I received another text that my payment did not go through. I checked my account again, the payment still shows in my account. So I texted them back, that according to my bank statement that payment has been made. I just received a phonecall that my payment was not sufficient. I go to my online account and they have charged me nsf fees of {$30.00} and {$15.00} dollars going in and out of my account. So they want an additional {$30.00}. 
My first payment, they tried to charge me XXXX per day interest because the date I said would be my first payment was different from them. The payment before this one, they said I put a stop payment on it ... .of course I did n't. When I called they said because of the card I was using the payment did n't go through, and that I had to use the XXXX XXXX option. The woman walked me through the payment on the phone, but what I noticed is that their website is inadequate and I think is intentionally programmed to not work or they just make up stuff as they go along. It has been about 1 month and what was supposed to be a easy solution, has turned into a complete nightmare. I want to shop for another car and get out of this situation.

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 2015-10-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I received a letter from PNC Mortgage on XXXX XXXX, 2015 stating that I needed to provide documentation of an insurance policy that my home owners association holds for the condominium complex. After contacting my HOA and their insurance agent this document was sent on XXXX XXXX, 2015. I received secondary notification of the charges about to be assessed to my mortgage account when they purchase insurance to cover this portion of the property. Upon this notification I contacted PNC to determine if they had received insurance information as requested. They indicated they had not. At this time I called my HOA president and their insurance agent to inquire about proof of insurance. They indicated this had been sent previously via fax ( an option in the request to provide proof ) and offered to send again. I waited a few more days to allow for processing time, and called PNC. Their customer service representative they were still not in receipt of the document. He also indicated that in order to ensure that these documents were received I should instead submit via an online portal. If PNC is not going to accept faxed proof of insurance they should not provide it as an option to submit documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-28 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I got behind on my mortgage regarding varies situations, I then requested a modification, I summited all the information requested and was told that I did not make enough money and because I have equity I should liquidate, I summited the amount of income {$4100.00} per month and debt/expenses {$3200.00}. I 've had my home for 13 years and do not wish to lose or sell my home. my interest is at 6 %, I have just been XXXX in my home which will increase my income and I have eliminated some of my expenses. I moving in the right direction, but I feel that PNC have not giving me a fair assessment on their reasoning for denying the modification states that I make {$3100.00} which is incorrect. I welcome your opinion and any assistance in this matter. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-10 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I made a balance transfer of approximately {$6300.00} to my PNC XXXX XXXX card using a PNC balance transfer check. The balance transfer offered 0 % APR through the XXXX XXXX billing. When I received my XXXX XXXX statement, I noticed an interest charge of {$72.00}. I called customer service for an explanation and was told that the 0 % balance transfer offer had expired for the check I used. Upon examination of the balance transfer checks used, I noticed an expiration date was NOT posted on the checks. Information on the page that the checks were printed on stated that the balance transfer checks were only good for 90 days after opening the account, therefore the interest charges were correctly applied. 
My complaint is that most, if not all banks, clearly state the date for which the balance transfer checks are good on the face of the check. PNC did NOT include an expiration date on the face of the balance transfer checks making it much more difficult for the customer to realize when the checks expire. 
So in total, I paid PNC bank {$310.00} ( {$240.00} balance transfer fee + {$73.00} interest ) for the " privilege '' of transferring to a high rate 13 % PNC card. I was now forced to pay off the {$6600.00} balance due to the high PNC 13 % interest. Basically I paid PNC {$310.00} for no good reason. 
I wrote a complaint letter to PNC and a customer service representative contacted me at the end of XXXX XXXX stating that they did receive my letter. About a week later I placed a call to the representative and left a message requesting an update on the status of my complaint. As of this date, I have not received a call back nor a resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
PNC Bank continues to XXXX customers ' hard earned money, while pleasuring their XXXX pockets. Their sly way of theft is worse than a middle-of-the-night intruder, stripping your home of its valuables. They get away with charging overdraft fees on pending transactions. They allow " retries '' on unauthorized debits that THEY have returned due to insufficient funds, resulting in NUMEROUS overdraft and return fees. It 's a vicious cycle, mastered by PNC to STEAL your money. 
XXXX and XXXX by PNC Bank. Justified theft by " fine print '' and NO help for the victims.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I 've banked with PNC Bank for nearly XXXX years, and I 'm finally leaving them because they charge ridiculous overdraft fees. I 've asked for reimbursement for these fees ( they re-order high to low, so they can ensure overdrafts on even small amounts ) and they wo n't do it more than once in apparently XXXX years. It seems to me that banks require greater regulation in how they administer overdraft fees since it 's obviously a huge revenue-generation strategy.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29 00:00:00
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: PNC Bank N.A.
State: ME

Complaint narrative:
I am filing this complain against PNC bank for predatory loaning. 

XXXX years ago I applied for the XXXX of XXXX loans with PNC so that I could attend XXXX XXXX. I felt like I had a chance to get a XXXX degree in a subject I was more interested in and that would pay better. At the time I was making less than {$30000.00} a year working in a XXXX XXXX call center. I had XXXX of dollars in private and federal loans from my XXXX degree. They gave me about {$13000.00}. While I was in school the XXXX XXXX continued to raise their tuition and I was running out of federal aid. PNC offered more money if I had a co-signer. My parents co-signed but were in no financial shape to be accepted, PNC accepted them anyways and gave me about {$22000.00} then {$25000.00}. My parents went bankrupt within a year of co-signing the last loan and I lost my housing. I did n't realize how bad it was until I tried contacting other loan companies such as XXXX XXXX for help to get back into housing and I was told that my debt VS my projected income was not viable and that I would not be able to replay the loans. XXXX XXXX told me they would not have given me the loans I already had, even with my co-signer. I truly belie that PNC gave me my student loans knowing fully that I would not be able to repay them due to theprojected income of my career and my existing loans. 

To make things worse XXXX did n't give me the skills or tools to get a job in my field. I do n't know if PNC and XXXX are connected but it felt like they were both pushing me to become more in debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02 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: Southern Financial Systems, Inc.
State: LA

Complaint narrative:
I did not drive through or been in " XXXX XXXX Mississippi '' for the last XXXX15 years.I never did live. 
I got a threatening letter from Southern Fin. Service asking to pay {$150.00} they listed account # XXXX. 
Their address is SFS XXXX MS XXXX phone # XXXX. 
I wrote them, and they keep harassing me for such amount,. 
they refuse to fix it.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: CONTRACT RESOLVE GROUP LLC
State: TX

Complaint narrative:
XXXX XXXX - repeated calls after informed not to call. Additionally informed the claim is no valid and has been disputed. XXXX threatened to continue calling even though he was asked not to call again. He said he did n't care and would call until he got paid. To date there have been at least XXXX calls from him in the last week.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30 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: NY

Complaint narrative:
I am submitting a XXXX complaint on Alliance One Receivables because they has already been a complete disaster. They are continuing to report XXXX collections on my credit report that do not belong to me. I put in a complaint and got a response from XXXX XXXX with what is suppose to be a debt validation letter with Pictures of tags of vehicles that do not belong to me no am i the owner of the vehicles. In the letter XXXX XXXX responded stating they were going to remove the accounts from my credit file. I contacted today XXXX XXXX who gave me XXXX different AUD Control numbersXXXXI spoke to XXXX and gave the control numbers to them in which they sent it to their quality department and they researched the AUD numbers and was advised that Alliance one put the wrong SUB Code with the AUD on XXXX system. This is a complete back and forth that is going on and they are not trying to help me get this deleted from my file even after XXXX XXXX said they were going to get this removed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-18 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: MD

Complaint narrative:
AllianceOne Recievables reported an alleged debt to the credit bureaus without ever making contact with the alleged debtor. FCRA allows a debtor 30 days to dispute a debt and request validation of the debt. This practice was not followed by AllianceOne prior to reporting to the credit bureaus. Currently I still have not had any communication with AlllianceOne either in writing or verbally in reference to the alleged debt. This act of reporting the debt without making any contact with the alleged debtor is illegal and violates Fair Credit Reporting Act statues

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: PNC Bank N.A.
State: ME

Complaint narrative:
I am trying to work out better payment terms with PNC bank for my privet student loans but they are not offering any help. 
I do n't own a car or a house and I live with XXXX roommates. I only have {$200.00} a month to feed and clothes myself. 
I pay almost {$500.00} a month in interest on a {$660.00} payment. 
I want a loan modification to make my payment affordable or consolidation of my XXXX loans into XXXX. PNC outright refuses any type of help and says I make to much money despite my other loan payments and rent. All consolidation efforts I have made with other companies such as XXXX XXXX only end with them telling my I do n't make enough money. I have no help, my co-signers went bankrupt and my only living grandparent is in the hospital. 
I do n't live like an adult because I owe so much money for school. 
I am trying not to become delinquent, so far i have managed to make my payments but i am on the edge.

Company response to consumer: Closed with explanation