vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-23 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: VA

Complaint narrative:
We made a payment in XXXX for the XXXX payment to LenderLive via our bank draft. An automated payment was already scheduled so they received XXXX checks. Both were cashed. We realized this and called in XXXX to confirm the XXXX payment went toward XXXX due date. It was confirmed the XXXX payment was taken care of, the next payment due would be XXXX XXXX and we would receive a statement reflecting this. 
We did receive a statement and she was correct. So we set up our XXXX payment. 
On XXXX & XXXX, we began getting calls to ask why our XXXX payment was late. I reviewed the above with the representative and they indicated our payment was " reversed. '' I told them no one informed us of any " reversal '' and this went against the previous info we had received both verbally and in writing. Then I asked where our money was. They could not tell me why it was reversed or where our money was. 
They had to open a ticket to research, with resolution in 24-48 hours. We have received several more mailings, including a new statement showing XXXX payments due, and Past due notices including late fees and urgency. 
The other representatives calling do not even check the notes as we 've received several calls in that same time period to collect this balance " due '' AFTER the Dispute ticket was opened. 
We need to know where our money is and how to get it reapplied to the XXXX payment as they had done originally and confirmed with us. If this can not be done, we will pay the XXXX payment again ONLY once we receive these funds back to our originating account. Further, we need any late notices, or fees to be removed from this account. I have all documentation and summaries of phone calls. 
Our XXXX payment is already scheduled regardless of above outcome. 
Lenderlive representatives have been very polite once they realize their company has contradicted information provided to us the borrowers, but this company 's record keeping and practices is not acceptable. 
Our originating mortgage broker sold this mortgage within a month. LenderLive should not be included in the pool of mortgage companies to transfer accounts too.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Tower Loan of Mississippi, Inc.
State: LA

Complaint narrative:
I spoke with the company on many occasions telling them I was filing bankruptcy. I know they still have the right to try and collect until I receive a case number. XXXX went to my house and handed my sister a letter that was not in an envelope that stated my account was seriously past due. When I called him to tell him that the letter should have been in an envelope because he was giving confidential information to someone that was not on the loan. He said oh well sorry if that hurt your feelings. I then began to explain why I had to file bankruptcy and he said that when he lent me the money in was not circumstantial to my financial problems. I explained to him that bankruptcy was my last resort and that I tried other avenues and he was like oh well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: iQuantified Management Services, LLC
State: NV

Complaint narrative:
During the months of XXXX and XXXX 2015, I started receiving calls for some unknown debt that the company admits is not in mine. I do not know what this debt is, or who they are looking for. The have continued to call my personal cell phone 15-20 times during this period. I have talked with someone at their company at least eight different times letting them know my name and that they have the wrong phone number. Each time, the person apologizes and tells me they will take my phone number off their list. I have received three calls this week alone. The company is I Quantify Management Services ( IQMF ) ; their number is XXXX

Company response to consumer: Closed
Consumer complaint received 2015-08-24 00:00:00
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: Mortgage Research Center, LLC
State: AL

Complaint narrative:
We filed for a V XXXX A XXXX home loan and recived aletter from veterans united home loan of denial for the following reasons attachs XXXX and XXXX they said credit score had to be XXXX XXXX XXXX XXXX said my report was XXXX and my wifes was XXXX we bought XXXX vehicles from XXXX for the amount of XXXX dollars. these people say we have collections and derogatory public records and we do not have either. Also they are using a gov name that they should not.To my and a lot of Veterans these people are a fake none of them are for Veterans of America.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I recently financed a vehicle through PNC, I purchased the car on XXXX XXXX. When I had not received any information in the mail regarding my account number, when my first payment is due, and how to make a payment, I called today XXXX/XXXX/16 as I slightly remember the dealership saying that my first payment was due XXXX. The representative on the phone told me the coupon book was mailed on XXXX XXXX and that I should be receiving it soon. I had called to schedule online banking since I wanted to make sure my payment was not late, only to find out that I could not schedule online banking with PNC to pay this loan unless I had a PNC checking account, I do not have a PNC checking account. I then tried to schedule autopay through my bank where I have a checking account XXXX XXXX XXXX and needed the address for XXXX to automatically send a check each month. I had to call back PNC for this information, I expressed concern to them that since I was through this method, the payment could end up being a few days late since the payment was due XXXX/XXXX/16. They offered to transfer my concern to escalations, with a 24-48 hour XXXX to get back to me. I advised them that since the payment is due XXXX/XXXX/16, that would not benefit the situation. My concern is how could they expect a customer to make a timely payment if the coupon book containing their account number and how to make a payment was n't mailed until XXXX/XXXX/2016. Furthermore, I have yet to receive my loan agreement - which is a further concern of mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-11 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
My mother and I were on a CD together at PNC Bank. She unexpectedly passed away in XXXX XX/XX/XXXX. I let the CD roll when it came due in XXXX XX/XX/XXXX since I was unprepared to deal with that after her recent passing. In XXXX of XX/XX/XXXX, as I was trying to close my mom 's estate, I went to the PNC Bank branch in XXXX XXXX, Alabama and provided all necessary documentation to remove her name from the CD. In the course of removing her name, I was then charged a fee of {$40.00} as a " early withdrawal penalty ''. I was told at the time that this was necessary and could not be waived even though I was leaving the funds on deposit with PNC Bank and remaining as a customer.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-06 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
To whom it may concern, I have been trying to obtain mortgage assistance on with my lender PNC and my investor -XXXX XXXX. I have provided evidence of my hardship and my financial situtation. My hardship was due to a car accident. I was force to pay out of pocket medical expenses. At that time I only depend on my fixed s.s income. Because I was force to pay for medical bills and other fees. I did n't have enough money to afford the full mortgage payment. I contacted my lender before my mortgage was in default and I was informed that I was n't delinquent enough to ask for assistance. I was trying to avoid a foreclosure on the house. My insurance has reimburse me back XXXX % of the fees that I had to pay. I do not have full funds to reinstate my loan, but I have enough funds to afford my mortgage payment. I have obtain a job, plus I have my fixed income. I can say with great confidence that my financial situation is stable. I have been trying with both my lender and Investor to obtain a modification. However they denied my modification because they do not have enough authority to make a decision on the loan. I feel that I 'm been discriminated because of ethnicity and age by PNC and XXXX XXXX XXXX. My monthly gross income is {$5000.00} and my monthly expense including the mortgage payment are {$2800.00}. Plus, I have money saved to pay additional fees if need. My goal is to keep my home and pay what I owe. I writing to you because i feel like my request for mortgage assistance is not been review property. I 'm hoping that you can reach out my lender and investor and investigate. 

Thank you in advance for all of your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-22 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC
State: TX

Complaint narrative:
At XXXX on XXXX I received a call from XXXX XXXX. I was not home and the following message was left on my machine : This is XXXX XXXX and I am tired of wasting my time and resources on you, it is in your " best interests '' to call me NOW! to resolve this matter before action is taken. After reading posts about this number on line I have found that this is a deceptive company that gives address of XXXX XXXX XXXX XXXX, XXXX, NY XXXX The address is vacant and for lease. If the company name Direct Recovery XXXX is XXXX it comes up with a company in California. They have a home made website with no information at all except pay now. I did not call them back because I never received a verification of debt letter from any company in over 6 years. Here is info directly from this company as posted on Who called me from ... The name of the company is Direct Recovery Services. Our primary location if XXXX XXXX, XXXX XXXX, XXXX, NY XXXX. We also have offices in Minnesota and South Dakota. Full information is available at XXXX Any questions or concerns can be addressed in a call or in writing and will be immediately addressed. Send questions or concerns to XXXXXXXXXXXX.

Company response to consumer: Closed
Consumer complaint received 2015-10-10 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:
Today, XXXX, my bank called me to let me know that a levy was sent to garnish what money do I have in my checking account. at XXXX Bank. It appears that this debt is a scam involving employees of government agencies namely : XXXX XXXX XXXX and my former employer XXXX XXXX XXXX XXXX. My bank provided me a telephone number to call about the levy. I called the number and I talked to an employee of XXXX XXXX XXXX which refuses to identify himself. This employee gave me another telephone number to call about the levy. The phone number belongs to Alliance One and I talked to a XXXX XXXX who refused to identify what company they are if they are a collection agency or not. I was able to obtain some information about the levy and checked my record and whatever these people are collecting were fully paid on XX/XX/XXXX to XXXX XXXX XXXX for a traffic citation that I was not even aware of but I paid it anyway without any disputes about the traffic citations. I paid this questionable amount XXXX the total amount of {$520.00} to obtain renewal of my California Driver 's License. Now it appears that I continue to be scammed and a fake court order document was sent to my bank to zero out my checking account. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01 00:00:00
Product: Debt collection — I do not know
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliance One, Inc.
State: TN

Complaint narrative:
Alliance One was sent a cease of communication notice on XX/XX/XXXX. They began calling my cell phone again on XX/XX/XXXX and XX/XX/XXXX. I sent another cease of communication letter on XX/XX/XXXX via XXXX, which they received on XX/XX/XXXX. On XX/XX/XXXX I received another phone call. I have not received any written communication from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I opened a new business account with PNC Bank on XXXX XXXX, 2016 and then chose to enroll in their Merchant Services ( contract was signed XXXX XXXX, 2016 ). At the time of enrolling I was informed by their representative ( XXXX XXXX ) of the cost the fees to use the hardware for the term of my 4 year lease ( $ XXXX/month with ownership of device at the end of the term ) but was not informed about the potential for further monthly fees for using the associated software on the device. I was intending on replacing my current XXXX service with the XXXX station but was not informed that to make the XXXX function as my XXXX, I would need to purchase an additional software bundle that would cost me an additional {$29.00} a month for the lifetime of using the unit. Had I been fully informed about the potential for these additional fees I would not have signed the contract as it would not have been a sound business decision for me at the time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
PNC bank is holding funds for over 3 weeks with regard to a dispute I entered when someone used my debit card through an online scam. When I speak to the customer service representatives they tell me the dispute investigation is almost complete and it should be any day. This vague reply by PNC is useless and I still have no idea when PNC will release my money. Furthermore, I have no way of contacting anyone at PNC except for the general XXXX number. When I ask to speak with someone who would be able to give me a better answer I get a number that no one answers and I you need a code to leave a message. PNC is stealing my money. How can a bank legally hold funds for over 3 weeks?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NY

Complaint narrative:
BMW Financial services has erroneously reported a late payment on my credit report, specifically the XX/XX/2017 payment. They are under the misconception that the payment was made on the 31st day. It was not the payment was made online at the BMW website two weeks prior. They have told me verbally as well as in writing that I cancelled that payment. I did not. I did, however, make a payment online which BMW must have failed to process correctly. If there is a computer " glitch '' on their part and they see the payment as cancelled by consumer it hardly seems fair that I should have my otherwise excellent credit places in jeopardy. Your attention and assistance is greatly appreciated in receiving a satisfactory resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I defaulted on my mortgage and it went in foreclosure. I found some buyers that wanted to do a short sale. We issued all the documents that PNC Mortgage requested. As always they took forever to process. We were able to get the first foreclosure date canceled. However, when the appraisal was needing to be done. The company that PNC wanted to use was only able to do it the last week before the deadline was came up. PNC said the report from the appraisal came in past the deadline date and the file has been closed. We then issued current information,, like paycheck stubs, bank statements, and 2015 taxes. I have no documentation from PNC only the letters they send when they deny. They never email correspondance. They will call you and ask you the call them back. Or they will stop by the house and leave a door tag asking to call. I feel PNC sticks to verbal communication because it makes it hard for the buyer to had any backup to their mistakes. We found out today that the next foreclosure date ca n't be removed. The file closed again because the buyers proposal was too small. There is a lot of repairs that need to be done to this home. I feel PNC purposely stalled on processing. I feel they did n't even intend to work the case. This is not the first go around I have had with PNC when it came to almost losing my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Collection Information Bureau, Inc.
State: FL

Complaint narrative:
I was alerted of a collection on my credit report. I have never received a bill or notice. I called them to dispute this item and they have not responded. I do not know what this bill is or why it is on my credit report. The original creditor would not talk to me or give me any info about this debt. The name of the company is Doctors business bureau. XXXX Fl. XXXX. The original creditor is XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Indicated committed crime not paying
Company: Alliance One, Inc.
State: ID

Complaint narrative:
I was a XXXX, who was advertising on XXXX. XXXX. When 2008 hit I dropped my XXXX My XXXX ad continued. I was contacted by XXXX XXXX and was told i was advertising and it was against their law. I told them i would change the ad and did n't know that it was against the law. I have been doing work as a XXXX in the state for years. Then I was sent a bill for a XXXX by XXXX. I filed a complaint as I looked at it as a extortion. I was n't working on that side of the state at all. The XXXX covers XXXX and XXXX together. I have contacted the state reps and have tried to talked to the state XXXX without any help. Now the state turned it over for collections a tax lean. That should be against the law by itself. The collection outfit is Allianceone rec, mgmt XXXX XXXX XXXX XXXX. This is a out rage against someone who has worked payed taxes for years in XXXX state. Extortion is the only way the state can get the funds for being broke, even if it means going after people like me

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: RI

Complaint narrative:
I am a XXXX in XXXX, SC. Primarily I work with borrowers who have had prior chapter XXXX bankruptcy 's to get their mortgage payments lowered after discharge. 

Time and time again I have the borrowers current servicers taking over XXXX weeks, sometimes months to get a payoff over to the borrower and this is with the borrower actually requesting it. Specifically, the company that is taking this lengthy time to get the borrower what they ask for is PNC Mortgage. The other company 's comply with the immediately upon request but no more than XXXX days from the date of request law, but not PNC. I have a client now who has waited over XXXX months with repeated attempts to have this resolved and PNC has told them " XXXX '' literally every XXXX days for XXXX months. 

Considering this is a violation of the law and not an isolated incident I believe they should be reprimanded for this blatant disregard of their customers needs. In the financial industry, especially the mortgage industry these people are in charge of, in many cases the largest and most important investment in a person 's life. PNC is giving a bad name to banking as they seem to think that the law does not apply to them and that the loans that they service have no real person behind them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 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 reached out to multiple parties at PNC Bank for 2 issues without any success : 1. {$300.00} new account bonus ( get a different story every time ) 2. Excessive overdraft charges that I can not get any recent response to. 
The following is more information : {$300.00} Bonus I opened a Virtual Wallet Performance Select Checking account with a savings account via a banner ad in XXXX of 2012. The banner ad specified requirements and I met all the requirements. I have been following up for over 4 years now and I get different answers everywhere I go. In 2012, the branch told me to call the XXXX number. They told me that I opened the account in a branch ( XXXX I never visited ) and thus was not eligible. I went back to a branch and was told that sometimes they assign online accounts to branches. I called the XXXX number again and they said there was nothing they could do. I go back to branch and escalate and they have someone from XXXX give me a call. They leave a name and number and no-one returns my call. Finally, I find someone and they say that it 's too old. I find a VP and he forwards it along and another person tells me that they ca n't find any promotion at that time. They ask for proof that there was a promotion ... how am I supposed to do that after all this time? 

Now what is really infuriating ... I never got anyone to respond to this inquiry : overdraft fees that have been applied to my account since opening. I have been charged over {$2000.00} in overdraft fees. 

I think what is most frustrating about the overdraft fees is that PNC has overdraft protection ( that I was never told about until my last conversation a month ago with a rep ). I have called dozens of times and made visits to try and understand the fees and how they relate to Bill Pay, CheckCard purchases, and of course the deposits I make to cover the transactions. While I do n't claim to be the best money manager, I have always moved money to PNC to cover such charges. Also, I 'm confused by the consistency of the messages I get ... in some cases I have the fees refunded, in other situations ( which are the same ) I do n't. I get the line from PNC reps that they can only offer a courtesy refund on charges once a year. But then as I go through my statements, some were refunded well within a year of each other. Also, it seems like I get charged multiple fees on the same day for the same overdraft.

Company response to consumer: Closed with explanation