vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-11-08 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:
My name is XXXX XXXX, I am a XXXX+ year customer of PNC Bank ... My wife was very ill XXXX requiring a XXXX to save her life ... As a result she had to file bankruptcy which as her spouse, I had to be apart of the bankruptcy even though I had no bad debt reporting on my credit report prior to filing bankruptcy. On XXXX XXXX, XXXX our bankruptcy was discharged and on XXXX XXXX XXXX, I was able to secure a home loan at 4 % interest rate for {$170000.00} with also securing a New Car Loan for {$40000.00} at a 2.7 % Interest Rate ... On XXXX XXXX, XXXX, I paid my home loan and car loan off fully and secured another home loan interest rate 3.7 % and car loan at 2.7 % interest rate ... I applied for a PNC Credit card and was informed by a PNC letter that my credit was bad and I was late paying bills which was incorrect, I contacted the president of PNC with a follow-up later outlining their facts were incorrect, I was contacted by a supposed to be PNC Advocate after informing her of the situation, she stated after her investigation they could not approve me for a PNC Credit Card, even though I had paid of XXXX homes over {$200000.00} and XXXX cars over {$40000.00} unless than XXXX years, even with a recently approved XXXX XXXX and XXXX XXXX Card all limits over {$5000.00} ... She also stated that the bank reserves the right to deny and bank card or business from customers..I since found out that all PNC Banks have been denying XXXX veterans for credit cards even though they have their monthly direct deposit XXXX deposited into their PNC accounts ... As XXXX veterans we are good enough to have our money deposited into their banks, not good enough to secure credit cards??? How do I go about filing a discrimination claim against PNC Bank for potential illegal bank practices????

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XXXX/XXXX/2015 at XXXX I withdrew {$240.00} out of my checking account. the AtM receipt said that I had {$1.00} available in my account the next morning at XXXX I recieved a email stating that my account was overdrawn on XXXX/XXXX/2015. I called the telephone banking center at around XXXX XXXX/XXXX/15 and spoke with a customer service rep. she could not give me a reason, as to why my bank account was overdrawn except that I had withdrew the money out. She told me to take my receipt when I had some time, into a branch so they could look over and explain what happen and reverse the fees. On XXXX/XXXX/2015 I stop in the branch close to my home. I explain to the teller what had happened and showed the the receipt to the teller, so the they could see the mistake was on their end and they need to reverse the fees. the teller told me she need to get an approval from a supervisor, she came back and introduce me to XXXX XXXX XXXX Branch Manager who look over my entire account and notice that PNC had to reverse fees in the past for mistakes on their end or just over charging in fees not more than a month prior XXXX for a overdraft of XXXX he then told me he was not going to reverse the fees because the system does n't always reflect the correct amount that 's in your account and that I should have keep a written log of my spending. I showed him the receipt again and ask " so I 'm not suppose to trust what your receipt printed out of your machine I should have kept better bookkeeping and this is my mistake ''? I asked for the printout and who was his supervisor he told me " no one could change his decision '', I replied " are you trying to be difficult, I just asked for your supervisor number ''. He then wrote on the back of his business card XXXX XXXX name and number I put my items back in my purse and left the branch without any resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CT

Complaint narrative:
BMW Financial Services claims I owe a payment on a closed account for a vehicle that was totaled on XXXX XXXX, 2016. The other party 's insurance company, XXXX, paid off the vehicle less an amount of around XXXX, do not have exact number available to me. A GAP claim was made with XXXX, the company handling the unpaid portion. However, claim was denied for various and inconsistent reasons, all bogus. I called BMWF today to discuss another account with them, call was transferred to another dept that did not pick up, this dept handles the account in question. I believe Ive spoken with them before and they were told I refuse to pay a dime on the account as the vehicle is totaled, GAP claim was denied for various and inconsistent reasons, all bogus. I understand the account is in my name, however, they have been told I refuse to pay numerous times before and were directed to XXXX and or XXXX for payment. In closing, please advise BMWF I again refuse to pay a dime on the account and to place a cease and desist, any and all payment inquiries should be directed to XXXX, claim number is XXXX, they can also call XXXX, do not have their claim number available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
On XX/XX/XXXX My bank account with PNC was frozen and -XXXX dollars to which i did n't even have XXXX in it. I inquire and find out they said it 's a Bank Lien from a company called XXXX XXXX apparently based in XXXX XXXX. There is a long story to it so to shorten this, I am a victim of Fraud in XXXX XXXX ( i just found this out today ) PNC here in XXXX should have never processed the lien as it was fraud docs as well as being expired. I lost 2 days of work over this and had to work with the Court in XXXX and PNC Garnishment department to get this resolved asap as I need to pay mortgage and my wedding on XX/XX/2016. I was successful with getting the funds released but am not concerned as to why my bank was not able to protect me in this and with the documents they received as I 'm told should have never been processed from the start and I want answers as well as anything i would be entitled to in this. I probably may need to go to XXXX for a court hearing at some point. None of this happened in my state of residence XXXX the lein was sent to my XXXX address when i was in the service to which i have not lived in XXXX since XX/XX/XXXX. Please contact me to review and/or help me through this ordeal I just went through b/c at this point i no longer trust Banks if they could n't protect me from a " supposed '' government entity ad well and not XXXX government.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I have tried to submit a loan modification to P.N.C BANK back on XXXX/XXXX/2016 and they asked for all documents that i have provided to them and then they deny my modification due to them claiming I do not make enough but I actually have a positive surplus of over {$900.00}. 
I was denied loan modification on XXXX/XXXX/2016 and appealed the decision but then I receive a denial letter on appeal 3 days later. I know that by CFPB guidlines i have at least 30 days to appeal but PNC stated that since appeal process is not 90 days before sale date they can not do anything.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-24 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My mortgage is with PNC, and I attempted to log in to my account online, and after 2 password attempts, I was locked out. This is ok if there was someone available Saturdays and Sunday 's to unlock my account, so I can get my XXXX Forms for taxes, which I can not do during the week. 

This is the 3rd instance with PNC password reset failed to provide adequate support for gaining access to MY online account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I paid off my mortgage with PNC Mortgage XXXX XXXX, 2016. After checking with the XXXX County Recorders office as of XXXX XXXX, 2016 there is no record of a release of mortgage. I think six weeks is more than enough time to file the paperwork ( which I already paid for ).

Company response to consumer: Closed
Consumer complaint received 2016-10-12 00:00:00
Product: Credit card — 
Issue: Billing statement — 
Company: FIRST NATIONAL BANK OF OMAHA
State: MN

Complaint narrative:
I had a First Bankcard ( XXXX ) credit card that apparently has changed to a Union Bank credit card in the last couple of months. I was only notified of this change after it occurred and I received a new Union Bank credit card in the mail. I have since had alarming communications from Union Bank that I was told yesterday by Union Bank customer service representative did not come from Union Bank ( even though it appears that they did ). I have received two mailed notices from Union Bank that my account is past due, despite the fact that I made regular, automatic, online payments. When I called customer service, at first I was told that the system changed and that the online payments were abruptly cancelled without any notice to me. I was ( and still am ) unable to login in to Union Bank 's website ( nor am I able to login to First Bankcard 's website ) and in three calls to their customer service line I have been told that there is nothing they can do to help me. ( Indeed, there has been an acknowledgement that I am unable to login and an absolute refusal to remedy the situation. ) This has made me extremely suspicious. Even though I ca n't access my account online and I have not received paper statements for the last two months, I received two fraudulent past due notices. The only way I can check on the status of my account is to call the alleged customer service number on the back of my Union Bank credit card. When on called on XXXX XXXX, I was told that I had a payment due, which I made over the phone. The customer service representative ( on XXXX XXXX ) asked for my full social security number, which raised more alarm bells. After I made this payment, I received another past due notice yesterday, dated XXXX XXXX, saying that my account was 47 days past due, despite two payments made during this time period. The letter contained a " collections '' number that I called and immediately got hold music with no answer and no identifying information. I then called the number on my credit card and was told that my account was current and there was no record that anyone at Union Bank has ever sent past due notices. 
I am very concerned that Union Bank has either mishandled my personal and financial information in such a way that I am being targeted by fraudsters, or that Union Bank is so inept at managing my information that they are unable to send me accurate information regarding my account. I am in the process of closing the account and have registered complaints to Union Bank 's customer service and fraud departments. I have received no communication regarding the status of my account in response to my complaints.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-10 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
This complaint is about bank/financial services during a real estate transaction ( not a bank account ). On XXXX/XXXX/2015 I entered into a contract / purchase agreement to buy a home ( XXXX # XXXX ) at XXXX XXXX XXXX in XXXX XXXX ( XXXX XXXX ), XXXX. PNC Bank National Assoc is the Seller who was represented by Service Link ( a XXXX XXXX XXXX XXXX company ), XXXX XXXX XXXX, VP Operations & Client Relations. After conducting home inspections ( {$510.00} ), Buyer and Seller signed Amendment to Sale Contract on XXXX/XXXX/2015. Also, {$1000.00} Earnest money was paid to XXXX XXXX XXXX XXXX ( XXXX, XXXX ) - XXXX XXXX XXXX, REO Sr. Closing Coordinator. On XXXX/XXXX/2015, the Day of Closing, the Seller 's listing agent informed Buyer 's Agent that Seller would not accept the XXXX/XXXX/2015 agreed amount, wanted an additional {$2000.00}, and implicated that Buyer cancelled contract. The house was put back on the market as of XXXX/XXXX/2015. To date I have requested but not received a refund of my {$1000.00} earnest money and the {$510.00} spent on inspections.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-21 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Information Bureau, Inc.
State: GA

Complaint narrative:
XXXX collections are from the medical field.I have contacted my insurance company to find none of these claims were filed correctly I have XXXX ( national association of letter carriers ) and my wife has medicare all these were for her treatment not mine. Her primary insurance is medicare XXXX XXXX. These companies representing collections is incorrect information Medical companies do not know how to bill. the largest amount is XXXX which was an ambulance ride for my wife medicare pays full amount we owe all XXXX collections are inaccurate filed incorrectly

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-20 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I initiated a Car Lease with XXXX in XXXX Fl. It had a 30 month lease. my payments were due on the XXXX and the last day of every month. My payments were {$210.00}. On XXXX XXXX, 2016 they only took XXXX 's of the payment that was due. So I called in to lease service to find out what happened. At the time they indicated that it was a computer glitch and I could pay the rest over the phone. My lease was up in t XXXX, so I decided to just pay it off early. I asked the rep to calculate a total balance that would bring my account to zero. took him 20+ minutes, but he finally came back with a balance of {$360.00} and some change. I paid it. On XXXX XXXX, I received a text indicating that my payment was due. I called into Customer service again. After waiting XXXX minutes they indicated that it was an error and I could disregard. That I had no more payments due and they would send me my title in XXXX6 weeks. XXXX XXXX, XXXX I received another text along with a loud ringing in my car stating that I was begind in my payment and that I needed to pay immediately, or they were going to come and ge the car. I called in again on XXXX XXXX, and now they are saying I owe them almost {$200.00}. They are stating that they never received my payment from XXXX XXXX. I asked them for an email address and fax number so I could send them proof of that payment. I spent all day sending it multiple times multiple ways and they are still claiming tht they never received anything from me. They have never indicated in the past 1 1/2 months that I was missing a payment. XXXXBridgecrest are trying to extort additional moneis from me without cause. I have proof valid confirmation that Bridcrest debited my account on XXXX for the XXXX payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I was overdrawn on my account and was charged XXXX in fees.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-18 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: FL

Complaint narrative:
Stonegate Mortgage massively over charged me for escrow payments XX/XX/XXXX. Their website and telephone rep claims they issued a refund to me for {$1000.00} on XX/XX/XXXX. Today is XX/XX/XXXX. Not only have I FAILED to receive a refund, but Stonegate Mortgage has also FAILED TO PLACE THE NEW ESCROW ANALYSIS ON ITS WEBSITE. The one available now is dated XX/XX/XXXX LAST YEAR!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: WA

Complaint narrative:
Received a collection call from the company who has the loan. It is a vehicle loan. The collector said that they would take my home and that the dealership made the first payment, if so there is no issue. Total lies.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I made purchases with my debit card and I asked the bank to dispute the charges and it has taken about 3 months to finally recieve a provisional credit but then they decide within a week ( before I even receive the dispute forms ) to deny my case and now this issue has spread to my credit card companty and I am really upset at the way this situation has not been taken seriously by the bank and I am ready to retain legal action if necessary.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
PNC bank receive my mortgage loan as a transferred from XXXX Mortgage. However, they were not able to provide me account information, paid off amount after the transfer. Our house was sold and waiting to close without these information we unable to close and stop the escrow. We unable to request our escrow money as well since nothing about our loan exist in both XXXX Mortgage and PNC bank system. PNC 's customer service push us off stating they have no information about our loan and unable to locate it. XXXX would not talk to us either because our account is closed on their side.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I opened a PNC checking account ( performance select account number XXXX ) on XXXX XXXX 2016 in a local branch with a workplace promotion of {$400.00} new account bonus. I have completed all the requirements in XXXX 2016. I have contacted PNC for multiple times about this bonus and was told I met the requirements of receiving the bonus. For my last inquiry on XXXX XXXX 2016, I was told I would get it within 10 days. However, as of today, I still have not received it yet. I have no choice but to submit a complaint regarding this issue to CFPB and hoping PNC would fulfill the promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-27 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:
On Monday, XXXX XXXX, I had a positive bank balance ( PNC bank, State College PA branch ). I also had a deposit that day of {$140.00}. I could see the deposit in my account on Monday. The very next day, I was charged falsely XXXX " overdraft '' fees totaling {$72.00} even though I had money in the account! They " posted '' my deposit immediately after the XXXX fake overdraft fees. This timing was clearly intentional and predatory. The local branch and customer service refused to refund the overdraft fees even though it 's obvious that the charges were predatory and opportunistic. There was enough money in the account to cover the checks!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-16 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 a bank account with a stipulation to get {$300.00} if I made {$5000.00} of deposits over the period of 60 days. Now the bank says it should have been over 30 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I contacted PNC Bank which was my current mortgage holder in order to refinance my 1st mortgage loan. I was obviously interested in a lower rate and what it would cost me to to do this in order to be beneficial. I was told the total fees for this transaction would be {$720.00} that would include the appraisal fee, credit check and then I would be receiving a credit for this particular product that would make my total costs out of pocket the {$720.00}. There was never any mention of a {$800.00} loan origination fee that later appeared in the documents they sent out and I just assumed that since the loan officer told me this was only going to cost me {$720.00} I figured the credits were going to wipe this out. This never occurred and I ended up having to pay the {$800.00} that I was never told about even after questioning it before the closing. All they said was that it was in the initial paperwork you signed. I do acknowledge that it was in the paperwork but I was also told that this loan would cost me {$720.00}, not {$1500.00}. The company repeatedly tells you every time they communicate with you that the call is being recorded but when I inquired about my complaint and what I was told they never seemed to go back and listen to the calls to verify what I was told and just reminded me that I signed the papers that included the fee. I feel that this was misleading and they should disclose all fees to the customer that stay in their pocket.

Company response to consumer: Closed with monetary relief