vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Morning my name is XXXX XXXX I original mortgage was with Aurora. due to financial hard ship and loss of income I fell behind on my monthly payments. I contacted Aurora and explained my situation. They nstucted me to send XXXX to modify my mortgage for an affordable payment. They never did my home was sold on XXXX XXXX I have XXXX children and a XXXX mother. I received a letter from the newsletter mortgage lender. Nation star advising me to attend a workshop on XXXX XXXX which I did. I am XXXX of the victims from Aurora.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On or about XXXX XXXX, 2016, we applied for a mortgage with PNC Mortgage for the purchase of a condominium in XXXX, PA. Previously, we had been pre-approved by PNC. PNC knew from the very beginning of the application process that we were purchasing a condominium. We obtained a locked in, fixed rate of 3.75 %. We received numerous documents during the process reflecting that same locked in, fixed rate. The agreement called for a closing date of XXXX XXXX, 2016, time being of the essence. On or about XXXX XXXX, 2016 -- one week before closing -- we were informed by telephone that our interest rate had increased from 3.75 % to 3.875 %. The person who phoned - XXXX XXXX - was not aware of the reason for the increase. When we inquired of the loan officer, XXXX XXXX, we were advised that the underwriters ( who are employees of PNC ) determined that our condominium was " unwarrantable '' because of a slip and fall claim against the Condo Association, this despite the fact that PNC was aware and had confirmed that the Condo Association had coverage of XXXX for the claim. We were never advised, orally or in writing, at the time of application or any time throughout the process, that our so-called locked in, fixed interest rate was subject to increase. The loan officer stated to us that he realized the claim would never reach the condo owners, but it was the decision of the underwriters. He alluded to the fact that this happened often with condominums. Yet, he never felt the need to warn us ahead of time that this was a possibility. It was represented to us by his manager that he is a very experienced loan officer. Therefore, we believe he should have known and should have warned us at the start of the process. 
The explanation and justification of the condo being " unwarrantable '' is dubious at best, and deceptive at worst. We believe it was a convenient way for PNC to increase our interest rate and monthly payment. Although the payment increased by only {$26.00} per month, over the course of the 15 year loan, that would add up to {$4700.00}. Because of the delay caused by our need to process this information, we had to ask the Sellers for a delay in the closing. Fortunately, we were able to close on XXXX XXXX, 2016. 
We believe we are entitled to a reduction in the interest rate to 3.75 % and a refund of {$26.00} per month until this matter is resolved.

Company response to consumer: Closed
Consumer complaint received 2016-04-20 00:00:00
Product: Credit card — 
Issue: Delinquent account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Constant phone calls about a late credit card payment

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: MA

Complaint narrative:
I have had a mortgage with Stern 's Lending since XXXX/XXXX/XXXX. The city of XXXX XXXX taxes were assessed at {$1400.00} for the first year until my residency was established. In XXXX XXXX the residential abatement for the city of XXXX took effect reducing my tax liability drastically to {$160.00} per year. In XXXX I contacted My XXXX XXXX, the company that services the mortgages for Sterns ' Lending, notifying them about the change. I relayed the information from the XXXX assessors ' office that the mortgage company must apply to the city of XXXX for the over payment they made on my account. They asked for a new tax bill issued from the city of XXXX. I sent them a print screen from the assessors ' website. They said they needed the actual bill so I had to wait until I received the bill in XXXX XXXX, I immediately sent it to them. They finally refunded the excess escrow amount of {$1500.00} with a check issued on XXXX/XXXX/XXXX. That was a long time to wait for them to return my money. 

Today I received notice from Sterns ' Lending of a new escrow amount of {$64.00} per month. Their letter states the tax liability is {$760.00} per year for my account. The city of XXXX assessors ' website says XXXX Preliminary ( Estimated ) Total Tax Due-First Hal ( XXXX XXXX ) : {$80.00} meaning my total tax bill will be XXXX for the year XXXX. City taxes are the only payment from the escrow account. 
Today I called XXXX XXXX XXXX to inquire about the escrow account. They would only state the tax liability is {$760.00} for my account. I have no idea where this amount came from and the customer service person would only repeat that number. I would like a written explanation from them with a source document legitimizing the amount. I do not want to over pay my account and possibly wait another several months for the escrow to be reviewed.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
On XXXX/XXXX/15 I received an email that my account was overdrawn. When I opened up my account, I had XXXX {$36.00} overdraft fees. I immediately started reviewing the account and could not find where it was overdrawn. I contacted PNC Bank to inquire about the fees. In the chat with the representative XXXX, it was stated that the check I deposited was n't cleared until XX/XX/XXXX. On the online tool that they provide it clearly states that my check was cleared on XX/XX/XXXX and all of the transactions were posted after the check was cleared. The representative said that the check was not cleared until XX/XX/XXXX. PNC bank provides this tool for consumers to to keep track of their spending, but are now telling me that it is not accurate. I have attached a copy of my transcript, a screenshot of the transactions which do not show my account in the negative, and a previous overdraft which does show my account in the negative. If the tool is inaccurate, then it should not be made available to the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-25 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Hi, I received an email coupon to get {$300.00} from PNC to open a checking account. I visited PNC 's pop-up branch located at XXXX XXXX XXXX XXXX, XXXX, NC XXXX. A representative name XXXX XXXX helped me open the account and explained me the deposit requirements and benefits related to opening the account. After few days I receive a letter with Reference # XXXX from PNC dated XXXX XXXX, that my application for PNC Cash Builder Visa credit card was not approved. This was surprising for me as I never applied for any credit card and the representative never asked me if I would like to apply for credit card as well. I called up the customer service immediately to notify them. But they told me I will have to contact the representative or call at XXXX. I called up this number but no one picked the call and it did n't even went to voicemail. So, I visited the pop-up branch again but PNC have different representative based on days. So I decided to go their main branch XXXX XXXX, XXXX, NC XXXX. I explained my whole situation and the representative told me that they will follow up with XXXX XXXX and request the bureau to remove the credit inquiry and also train their representatives better. I called up few days later at XXXX XXXX branch again to follow up and a representative, XXXX XXXX tried to discourage me and told in order to remove the inquiry I have to send an email explaining the whole situation and it would take 90 days to make any decision and decision might not be favorable. He further tried to sell me a secured credit card. I clearly told him I do n't want a credit card and would like to get this incorrect inquiry removed from my credit report. 
I seriously feel PNC should train their representative better and should be transparent with customers. It has been really terrible experience gettign transferred from customer service to the pop-up branch to branch and then agian to branch. Each time a representative tell a different thing or try to sell PNC product.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
I have XXXX mortgages with PNC which I have always paid on time for 9 years. 
XXXX within the past three months my payments have been mis-applied tothe XXXX mortgage along with added " late fees '' from PNC. The most recentmisapplication of funds have taken me through XXXX separate Customer Service & collections representatives to correct. I still send in my payment due on time & it gets applied to the wrong month, again bringing up a " late fee. '' I am having troublewith the issues being resolved in a timely manner & I feel like there is no follow-thru in the company. Otherwise I would not be having to deal with the same mistake ontwo occasions within such a small time frame. I usually send in XXXX check withXXXX payment coupons along with BOTH account numbers on my check. Now Ihave had to resort to sending XXXX separate checks with accounts written on themalong with XXXX payment coupons. Hoping to have this resolved soon, definitelyready to take my mortgage elsewhere & happy to share with others the VERYpoor service I receive from PNC, I am very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
PNC assessed a {$40.00} late fee despite being technically paid early. I was paid a day earlier than normal XX/XX/XXXX, and scheduled a payment on that same day, XX/XX/XXXX. This payment ended up being credited on the previous ( XX/XX/XXXX Statement ) instead of the XX/XX/XXXX Statement, even though PNC lists XX/XX/XXXX as the Statement Date ( which is Deceptive, I would assume that XX/XX/XXXX would be the first day, not the last day. ) As a result of this double payment accident I was assessed a late fee. I contacted PNC, and spoke with someone that did n't seem to be able to understand the problem, despite repeated attempts to explain that the problem was that I ended up paying a day early, and that what I wanted was for the payment to be moved up a day to fall in the correct billing cycle and the late fee to be waived. 

I feel that PNC, and by extension all Credit Card Issuers and Revolving Line of Credit Issuers are defrauding the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29 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: Profit Services Group
State: GA

Complaint narrative:
I have continuously received harassing calls from a Profit Services Group ( PSG ) in regards to a gym membership with XXXX XXXX XXXX that was cancelled XXXX years ago. I have spoken with the gym, with the financial processing company and with PSG in an attempt to resolve the issue, I have been informed numerous times that the issue is resolved. XXXX XXXX XXXX and the financial processing company both acknowledge that the matter is resolved, however PSG ( the debt collection company ) is still continuously calling and harassing myself as well as family members.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-01 00:00:00
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
My Visa credit card had an advertised benefit about extending manufacturers warranty by up to one year. When I called Visa to use their warranty for a {$900.00} dishwasher bought entirely on a card issued by them, they denied my claim. While I believe I satisfied all clauses for the claim, they said as the dishwasher is hardwired for electrical connection, the item was excluded.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Alliance One, Inc.
State: NV

Complaint narrative:
They 've have contacted me over 25 times via robocalls illegally. I am on the do not call list. They were looking for my husband. I told them to stop calling my phone. I am on the do not call list and have never told them to call me. The lady who calls is rude and calls me multiple times a day to harass me. She frequently calls before XXXX. She wakes my sick baby up. I did a letter with my husband asking to cease communications until they verify my husband 's debt, I asked them to futher not contact him on my phone, I told them I never gave them my permission to call my phone and I have been on the do not call list for 3 years. They illegally recorded my phone calls without my consent. They call and wake my husband, our sick infant and myself out of sleep. They call before XXXX frequently.They are causing me great mental anguish and my child as well. They have violated XXXX state law, debt collector laws, and the tcpa act. I am further reporting them to the XXXX as well as the XXXX. I have already reported them to the Ftc because they are unwilling to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MAS FINANCIAL SERVICES, INC.
State: CA

Complaint narrative:
Common issue with all auto loans, I was late on my payment, and I 'm always on time with making payments with auto loan companies. This auto finance company has been harassing me every single day! They 're constantly bugging for a payment. This is my ONLY late payment with this company. I recieved a call the 1st day of bill, and immediately the manager was really, extremely rude, and being very hostile! I 've hit a rough spot this month because my wife was on maternity leave. We do n't need this type of hostility from this company. I am very upset that they go out of their way to call 5 references over 1 late payment. I already notified them prior that I will be late this month, but will definitely make the payment. This company has had a lot of issues, rudeness, and hostility towards customers. XXXX and XXXX has them only 1 start on the website reviews. So, I 'd like to have them stop harassing me and stop this XXXX they 've been giving me and my family. I 'm not a happy customer with them at all! They 're supposed to treat their customers fairly and nicely if you 're doing business with them. I hope something can be done to put a stop to this.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: MD

Complaint narrative:
StearnsXXXX acquired my mortgage 2 weeks ago, after it was sold twice from a re-finance 2 months ago. Last week I received both the package about this acquisition AND a dunning phone call that my payment was late!! How can any payment be late when only 4 days elapsed on receipt of information on a newly-acquired account? To worsen this situation, I followed the provided instructions to set-up my new account to make online payments BUT the needed field to click and complete this does n't appear anywhere on the web site. Soooo - I 'm unable to make a fast and timely online payment because the company 's web site lacks the fields to do this yet I 'll continue to receive dunning calls that my XXXX payment is late even though this company acquired my mortgage only 2 weeks ago. I ca n't go into their office since it 's several hundred miles away so paying in person is not an option. Is n't this harassment? Is n't this unethical? Is n't this an unfair business practice?

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 2015-12-05 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:
Due to a depositing error, a check was returned due to non-sufficient funds from my account. However, PNC Bank is trying to double charge me a XXXX fees. XXXX for non-sufficient funds and XXXX for overdraft. Only XXXX of the fees is appropriate. The other is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-30 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
The mortgage loan against my primary residence was purchased by PNC mortgage in XX/XX/XXXX. Payments are consistently made and applied against the outstanding balance within the grace period defined by PNC mortgage. However, on and after the XXXX of each month, if the payment has not been credited against the account, automated phone calls begin. These phone calls occur up to XXXX times per day and continue until the payment is credited. When I answer the calls, there is sometimes an automated message and other times nothing and no human on the other end. The recording says, please wait for a customer service representative and then the call disconnects. I also have received calls after my payment has been processed. When this occurs, I contact PNC mortgage and I am informed that a call should not have been made and they do not know why I was being contacted. Furthermore, in addition to the multiple automated phone calls, the payment collection process performed by PNC mortgage is abusive, unfair, and deceptive, due to the continuous phone calls without information or the inability to connect to a representative at PNC. During the month of XX/XX/XXXX, I forgot to transfer funds to cover the bills and my mortgage check was returned. Upon my identification of the returned payment, I logged online and paid the mortgage charge, a {$7.00} fee to make an online payment, and a late fee. 3 days after making the payment I received a certified mail package for early intervention and possible home ownership counseling opportunities. I was not even 30 days late and never received a notice other than, if I do not contact PNC within 30 days from the date of the notice I could face foreclosure. The notice required under RESPA and WA State law allows the lender up to 45 days to provide the notice for early intervention. The context of PNC Mortgage 's notice is not to bring attention but rather, to scare average consumers with the possibility of losing their home. I am current on my mortgage and have never been 30 days or more past due. I did not select PNC mortgage to originate my loan and feel as though I am required, with no other option, to pay for a loan refinance with another lender to avoid PNC 's abusive and threatening tactics. It is clear that PNC is unable to effectively manage their systems and controls to mitigate risk and harm to their customers, many of whom must deal with this poorly operated company without a choice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
I opened checking account with PNC financial in 2007, which was free checking with no minimum balance requirements. I donot keep too much money in this account. every year or so, PNC bank keep changing the terms on the account, I find out about when my balance is decreasing because PNC keep charging {$7.00} fee. Sometimes PNC credits those fees automatically but now My wife went to the branch and was misinformed that this virtualwallet account will solve her problem of having to pay fee because of low balance and was changed into virtual wallet account which has excessive fees and now I am told that if i close in 60 days, there will be fee charged. I have lost money by keeping in the PNC checking account and PNC bank does not want to return my account balance to amount before PNC started charging fees. 
I have called and filed complains with PNC and everytime I inquire, i m given complain # but nothing gets done in fee escalation department. I am given some claim numbers like XXXX and XXXX. When I called this fee escalation department, after talking to XXXX and XXXX XXXX ( supervisor ), It sounded like that PNC does not take these fee complaints serious and donot want to resolve consumer complains by saying Pnc bank is entitled to charge these fee and account balance is not under FDIC protection when fees are charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank services my mortgage loan on my house. I live in Illinois, where " dual tracking '' is illegal. I was being processed for workout options .... ie ... my hardship package was " under review '' .... and yet I was still being pursued in XXXX county courthouse for foreclosure complaint, complaint for default judgement ... etc ... .The same day I was offered a forebearance agreement to sign from PNC bank ... they filed the Complaint for Foreclosure!!! 
Please investigate them.. My case number is XXXX. I filed for a hearing on motion to strike their complaint and their motion for default judgement. Thinking of counter sueing them. Any thoughts?

Company response to consumer: Closed with explanation