vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-06-03 00:00:00
Product: Credit card — 
Issue: Payoff process — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
PNC Bank, in my opinion, has failed to provide an adequate method of setting up automatic bill payment for its credit cards. At this time, you can not set-up auto bill pay through online avenues, and must mail in a form to apply for automatic bill payment. Further, enrollees are not informed whether they are signed up or not by PNC. An application I filed XXXX3 years ago appears to have been approved recently, which I only learned about because they double-paid my last statement balance, XXXX of which I had to conduct manually. 

After contacting a representative of PNC, I was told the only way to modify my existing auto-payment regime is to call a representative directly. Again, I have no present way of individually understanding what the auto-bill pay policy is for my account. 

The result of XXXX of the above policies is that customers are materially more likely to carry balances between statements, accruing high rates of interest on larger balances than they would otherwise. Without a feedback mechanism in place, customers are also unable to determine whether automatic payment has been set up until a billing date passes, at which point a customer may already receive a black mark on their credit report, imparting unfair economic consequences on people trying to improve their financial wellness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: Alliance One, Inc.
State: NV

Complaint narrative:
Multiple issues. They are calling my wife at her phone. Ive sent letters asking for debt validation, for them to stop calling her phone, for them to cease communication with me until they verify the debt. They call multiple times a day after being told to stop. They are illegally recording calls without my consent being Im in the state of Nevada. They frequently call before XXXX and it is stressful. My infant son had been awoken several times because of this unprofessional behavior. They have completely disregarded everything that I have asked them to do. This is a summery and not all inclusive.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 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: NY

Complaint narrative:
This is the second complaint I have filed. I have been in contact with PNC about repayment of a private loan. I spoke with them explaining I would not be able to pay the monthly payments because they are too high. 
In XXXX I broke my heels and became XXXX and unable to work. I have told them this and asked for a loan modification but was denied. I have been speaking with them since XXXX about this issue. My first payment was XXXX/XXXX/17, it was {$730.00}. It is now XXXX/XXXX/17 and I am expected to pay not only this month 's payment but last month 's payment as well. I simply can not afford it. All I have asked was for an affordable monthly payment, but PNC has said there is nothing they can do. I want to pay but I am just unable to afford the payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
On XXXX XXXX, 2015 - I opened a PNC bank XXXX account in their XXXX XXXX IL branch. This account is very complex to understand - two underlying checking accounts and XXXX savings account all associated with each other but not very well or at least customer is not fully aware how they works. I had a {$200.00} cash back promotion code that was also applied. As per the terms and conditions - i need to have {$2000.00} as direct deposit and one Bill pay from this account within XXXX days. I did fulfilled it - XXXX bill pays and two direct deposits worth more than {$2000.00} also. But it seems PNC bank has some other plans - not to honor their words and give me {$200.00} promotional bonus. Now branch folks are telling me that i should have used my other checking account to do the bill pays and they are claiming that they made it clear on the email also ... which i have been telling from day one ... it 's one account for me and somewhat complex to understand. Moreover it 's very difficult to understand the online website and even navigate thru it-i am using my quicken to understand all the complexities of this PNC account. Did enough follow ups on this matter with XXXX and XXXX but i am not seeing light at the end of the tunnel. I need the promotional cash back as i have fulfilled their conditions. Moreover once PNC bank tricked me and charged me overdraft fees of {$35.00} also even when all these XXXX accounts were connected/associated with each other and there was enough balance in the overall account. Later when i reached out to them-they remove the overdraft fees. As and when i go to that branch-they are trying to sell more and more stuff to me rather than helping me understand this complex " PNC XXXX '' account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted employer after asked not to
Company: Alliance One, Inc.
State: CO

Complaint narrative:
AllianceOne continues to contacted me XXXX consecutive times during work hours and told them to contact me after XXXX MST for a XXXX XXXX credit card for {$330.00}. AllianceOne have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : Alliance One ( Representative : XXXX ) XXXXXXXXAllianceOne Receivables Management, Inc. 
XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: MA

Complaint narrative:
XXXX XXXX approached her mortgage servicer, PNC, in regards to a short sale on XXXX XXXX. Although XXXX is XXXX years old and does not live in the subject property any longer ( now lives with her son ), PNC forced her to go through a review for a loan modification. A borrower who does not live in the property and does not have rental income is typically not forced to go through the loan modification review. Our first offer on the property was dated XXXX XXXX, 2015 in the amount of XXXX. Once it was determined that XXXX clearly did not qualify for the loan modification, PNC agreed to review her for short sale as she originally requested. 

Months went by and we finally got to the point where an appraisal was completed for our short sale review. The appraisal from PNC came in at XXXX. Once we were advised of the appraised value, we immediately countered the buyer at full value. They would not reduce their offer ; however, we had multiple back-up offers in place. We advised PNC immediately that we had many other interested buyers who were willing to pay the amount that PNC was looking for. PNC, instead of working with us to review the other offers on the property, closed the file and advised me that I had 15 days to submit a new offer. This message came from XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed and emailed a new, higher offer from one of our back-ups to PNC. This offer is for XXXX which is above appraised value. Upon speaking with XXXX XXXX again at PNC, she informed me that as of XX/XX/XXXX, we would need to wait 14 days before the file was assigned to someone else to begin review. Another email from her to myself stated that the " file will start at beginning all over again. '' Clearly, that message was contradicting and utterly confusing based off of prior conversations we have had. It does not make sense that PNC would wait 14 days then start the process from the beginning. We have an offer that is above PNC 's appraised value, a seller who quite clearly qualifies for a short sale and now we are going to be faced with extreme delays. There is no way that this buyer is going to wait x amount of months for PNC to pull their act together and review his offer. By the time they re-open the file, their appraisal will expire! Their review is inefficient, lazy and not a single person that I speak to at PNC will take any accountability and work to find a solution. 

PNC is clearly forgetting that the short sale is in their best interest as well. A foreclosure certainly is n't. We are lucky to see an offer as high as we have and PNC 's games are unprofessional and do not do their borrower any service.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: FMA Alliance, Ltd.
State: TX

Complaint narrative:
Company called my cell phone and asked if I was a certain person. 

I responded with my name because the person they were looking for is a family member, and proceeded to ask what the purpose of the call was. Caller said the purpose was a private matter and then did not indicate that it was a matter of debt or bill collection and did not indicate the agency 's name. 

Caller then pressed for current phone contact info for the family member, which I provided. 

I called the number back after learning that it was a collections agency ( FMA Alliance ) and complained to a supervisor ( XXXX XXXX ) about the conduct of the previous call. Supervisor was unconcerned about the conduct and indicated that no action would be taken.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08 00:00:00
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Direct Recovery Services, LLC
State: IL

Complaint narrative:
I did, about a year ago, have an XXXX XXXX account. However, this company does n't have my correct address. They called my sister, my daughter, and my ex ( who I have n't been in contact with in 15 years ) and told all of them that I needed to contact them immediately or I would be sued. The messages were automated and the name of the " rep '' was XXXX XXXX. I believe this company is actually a scam and not a legitimate debt collector.

Company response to consumer: Closed
Consumer complaint received 2016-10-04 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
We have had nothing but trouble for a number of years trying to qualify for a loan modification. We make enough money to sustain a mortgage payment and had put over XXXX down on this property now only worth XXXX when we bought it for over XXXX XXXX. We were forced into a bankruptcy after multiple attempts to resolve the disputed mortgage delinquency and modification process threatened us with foreclosure. We have also attempted to resolve this issue through and attorney ( XXXX XXXX XXXX XXXX XXXX XXXX ) who ultimately cost me over ten thousand dollars to still have the threat of foreclosure and stall tactics with no real resolution during the entire process. Ultimately denying us saying they could not verify our income, which we have provided bank statements and tax returns for. I am now attempting to short sale the property as a last resort although we should qualify to stay in the home. We were told we had to drop litigation in order for them to review us for a modification after over a year of going no where, then when we did, they blocked us from speaking to them to get status of the modification review and to confirm that they received the documents we sent. Instead they only lift the block 2 days ( they refuse to help saying its now to late ) before a sale date forcing us to file a bankruptcy to prevent the home from going to sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: AL

Complaint narrative:
I believe that I was misled by PNC bank regarding the automatic payments for a car loan ( paid in full in XXXX 2015 ). I discovered it when the loan payment was auto-drafted for the second time after the loan was paid off. PNC advised that " I '' had set up our payments to be made through a 3rd party service ( mycheckfree.com ). I did n't realize that when I originally set up the auto-draft through their website that I had been redirected to a 3rd party not affiliated with pnc. PNC now tells me that that I should have cancelled the auto-draft though the other company ( and that I would n't receive a refund for 10 days. ) Their auto-draft set-up was misleading - I thought all along that I had set up payments with PNC. The bank statement even showed " ACH withdrawal PNC Bank. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-06 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: GA

Complaint narrative:
this collection agency keeps reporting that I received services from there practice. I have never had any medical treatment from this provider while not being insured. I 've always been covered under the florida medicaid office .There have always been a block on all XXXX of my credit filed due to identity theft. I 've disputed these fee with the collection agency and a few of the bills have been deleted but this company keep reporting medical bills for services that I never received.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-11 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Alliance One, Inc.
State: IL

Complaint narrative:
I received a letter and repeated calls from AllianceOne Receivables Management, inc. They claimed that I owed money to the XXXX Circuit Court from the date of XX/XX/XXXX. Every time they called they have left different account numbers as well as reference numbers. I advised them to cease and desist and stop calling my parents phone, I was told not until I paid the debt. I asked them to send me the original documents from the debt because I had paid them in the XXXX County traffic courts division, XX/XX/XXXX. They told me that I left a balance. I do n't have any debt from back then from the Circuit court of XXXX County because I called and tried to verify it but there was no record of any debt. Thank you for your time and reading my letter and have and good evening.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
Predatory Lending : XXXX XXXX XXXX XXXX ; XXXX XXXX XXXX ; XXXX XXXX XXXX XXXX XXXX from XXXXXXXX In XXXX XXXX, my husband and I made a contract with XXXX XXXX XXXX XXXX, when we still live in our current property at the time. The agreement took a turn for the builder and the lender agent requested to open an initial Line of Credit of {$90000.00} ( National City Mortgage ) to secure the purchase and building of our future property. We did so, however this LOC put a lien in the property we were about to sell in XXXX. I am an American Citizen by Naturalization and my XXXX at the time was n't good enough, which was a struggle for me. My husband, a XXXX XXXX XXXX, XXXX for a government agency, and an XXXX man, XXXX XXXX XXXX XXXX, seemed not to understand very well about financial facts. I only signed papers and saw the main picture of everything. We sold our property in XXXX XXXX, for {$480000.00} letting a XXXX for mortgage payoff, the {$90000.00} lien with National City Mortgage, and the commission of the real estate firm XXXX XXXX from XXXX XXXX whom sold the property. In the other hand, the gain from {$480000.00}. The base price of the house was {$500000.00} and we did have some upgrades for hardwood floor since I have XXXX children. It seemed like the amount was going to pay off some of the base amount and reduce the loan in a good way. But not well calculated, and without noticing how inflated the fees were FOR EVERYTHING!!!! XXXX XXXX XXXX land in XXXX County XXXX costed XXXX but it was inflated to XXXX as the initial contract said. All the fees described in the Settlement Statement / XXXX form XXXX with XXXX XXXX and XXXX XXXX from XXXX, XXXX. The fees charged in this document are excessively large from commissions to added NON-SENSE FEES! In top of that, the initial LOC /National City Mortgage decided to merge the LOC with the new price of purchase of {$500000.00} AS A REFINANCING! I am disgusted just to comment this and finally complaint. THE TERMS OF THE LOAN WERE UNFAIR AND ABUSIVE, HIGH INTEREST, XXXX ARMS AND OUR INITIAL LOAN # XXXX, WHICH WAS UNDER XXXX XXXX AND XXXX WAS REMOVED. PLUS, WE NEVER SAW THE PART IN WHICH WE PAID THEM FROM THE SELL OF OUR PROPERTY. WHAT HAPPENED???? THE MONEY WE BROUGHT AFTER SELLING, WE DID N'T GET TO SEE IT. MORE THAN SAD, A NIGHTMARE WE SHOULD HAD NEVER GET INVOLVED IN. WHAT I THINK OF LENDING INSTITUTIONS, REAL ESTATE FIRMS AND TITLE FIRMS? THEY ALL TIED TOGETHER TO HARM CONSUMERS WITH THEIR UNETHICAL BUSINESS PRACTICES. WE TRIED A LOAN MODIFICATION IN XXXX WITH NATIONAL CITY BUT IT FAILED BECAUSE THEY WERE NOT ABOUT HELPING CONSUMERS. WE HAD A CLAUSE IN THE NOTE WITH THE XXXX XXXX. WE TOOK IT AND PAID ONLY INTEREST UNTIL TODAY {$1400.00} WHICH WAS INCREASE EVERY NOW AND THEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BB&T CORPORATION
State: NC

Complaint narrative:
XXXX 2011, I purchased a vehicle from XXXX, XXXX NC The loan was approx. amount of XXXX the length of the loan was for 72 months. I was approaching my paying off date, so I inquired about other charges to close the loan. They said I owe {$9600.00} to satisfy my loan. The figures do n't agree, and reflect a huge error. apply basic math 72 pymts @ {$520.00} per mo. -- -- -Time range of loan XXXX XXXX to XXXX XXXX now they are saying the payoff amount is {$9600.00} approx. loan approx. {$38000.00} auto approx. {$23000.00}, monthly pymts per mo. {$520.00}. Something is n't right. I 'm paying approx. {$47000.00} for a {$23000.00} vehicle. My bank is providing all transactions since XXXX XXXX to current. I will forward these documents asap

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 2016-12-13 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CA

Complaint narrative:
Nationstar applied my payments from Keep you home XXXX since XX/XX/2016 to another loan number. They have my loan in active Foreclosure currently and for the last month I have been trying to get them to reverse the payments and apply them to my loan. I faxed a letter to XXXX the Supervisor in the Loss Mitigation XX/XX/2016 @ XXXX pm PST and have not received a response.I included a printout from XXXX of the payments they sent and it indicates the incorrect loan # XXXX. As of XX/XX/2016 the status of the loan is unchanged nothing has been done to rectify this probelm. My credit has been affected by the loan being in Foreclosure and the fees assessed due to this problem are still due. Note : Nation stars funding dept gave Keep your home XXXX the incorrect loan # when they electronically transmit data for the loans XXXX remits on. Nationstar has been telling us I did it??? Please make this nightmare stop ... ....

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-03 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: WA

Complaint narrative:
XXXX XXXX XXXX sold my mortgage to Nationstar. With XXXX, I made bi-monthly payments, without issue. They came out the XXXX and XXXX of the month, barring holidays or weekends, which they allowed to come out a day or XXXX late. 
Now that my mortgage is with Nationstar, they send me foreclosure letters constantly, even rhough I never have been late. They state if I want the letters to stop, I need to call their XXXX party company to make bi-monthly payments ( this XXXX party company charges 300+dollars for this service ) or set up autopay. Thing is, I already autopay through XXXX bill pay TO Nationstar on the XXXX and XXXX. Why would I setup another autopay? I am XXXX XXXX XXXX and can not access the internet or telephone while XXXX, so why set up XXXX party phone pay? Also, they stated if I do not pay in full when they want, my money goes into a reserve account until it is fully paid and may not be applied properly to escrow, interest, and principle. 
From my understanding, the original terms of a sold mortgage MAY NOT BE MODIFIED, including disbursement of the payment, how the payment is made ( bi-monthly or not ), or how much payment is made, barring a raise in escrow to cover raise in insurance/propery tax. 
So, please enlighten me ... why are you trying to change the terms of my loan? Why did you buy my loan if you can not accept bi-monthly payments? How hard is it to apply payments properly? These problems are on YOU, not me, and I REFUSE to accept responsibilty for these issues. I had no say in my loan being sold, and I am not to be blamed that YOU can not accept bi-monthly payments because you are a new company ... you are n't. You are post-bankrupt under new management. I amonly with you as long as it takes to finish my current XXXX and then I will refi with a companythat is non profit and knows what they are doing. It is my responsibility to make sure you apply payments properly and to notify you if there is an error, something yhat will be next to impossible to do, since I am put on hold for XXXX min. each tkme I call customer service.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-20 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: CT

Complaint narrative:
Last year I started a modification with my mortgage company. In the approval my mortgage was brought by NationStar brought my mortgage. I my modification process I was told my payment would be about {$730.00} a month. Now it is up to {$1000.00} and changing monthly. My prinicipal amount, escrow ( they say is negative ) and other fees keep going up and I 'm no where close to the amount that I agreed to pay. I have called, complained and tried to get answers to no avail. They are saying they are paying for insurance when I pay my own insurance policy. And have submitted papers to them in the past to show this. When I call them they play the transfer to multiple line issue and soon they just disconnect you.

Company response to consumer: Closed with explanation