vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: TN

Complaint narrative:
I have been having my car payment auto-deducted from my checking account every 2 weeks for the past several years from XXXX. I recently paid off the vehicle last month. 2 weeks after the vehicle was paid for, I received another deduction from my account for a full payment. The last payment was overpaid by a little over {$20.00}, and XXXX ( Bridgecrest ) sent me the remainder before I even asked about it. Right before I received that check in the mail, I had this full payment auto deduction, and it has been a constant battle the past 2 weeks to try and get my money back. The company said they were sending me a check 2 weeks ago for the {$170.00}. I called back to check the status of this, and they said they never sent a check, as they were waiting for me to send a bank statement. This was not what I was told in the beginning or else I would have given them my bank statement. So I sent them the bank statement, and a lady said she would overnight my check to me. I have called back several times since then. It has been 3 days, and I have seen no check and after calling the lady all day today, all of a sudden I can not get a hold of her or anyone in management. I have NEVER had a late payment with this company, and I all I wanted was the money that they wrongfully withdrew from my account. I have taken time out of work, and family life to get this little money, and I have gotten nowhere. This company specializes with poor and no credit customers, and they think they can get away with this because we have no other options. As I paid 18 % interest with {$2200.00} down on a significantly overpriced vehicle, I will not be treated like a second class citizen by XXXX, Bridgecrest, or whatever else they want to call themselves.

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 2016-12-02 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I have a credit card account with PNC. 
They state I am entitled to 1.25 % cashback on every purchase, I made a {$1300.00} car payment for a friend to XXXX financial and they are stating because of the way XXXX coded the transaction that im not eligible. 
Spoke with at least XXXX people who all tell a different story, several have even agreed with me but in still missing a huge credit to my account. 
I firmly believe that PNC has ripped me and others off in the past and they are still doijg it as we speak.

Company response to consumer: Closed
Consumer complaint received 2016-06-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: MO

Complaint narrative:
I received a check from XXXX XXXX XXXX co to pay off my loan on XX/XX/2016 I took it into a local PNC branch and was told that due to the size of the check that the manager was n't able to sign off on it and it needed to be sent to a special dept out of State and that it would take XXXX business days to be released because they needed to verify funds. I have never heard of anything like that before but since there is n't a local branch that the check was drawn from, I had no choice. They received the check on XX/XX/2016 and requested something from XXXX guaranteeing funds, a fax was sent to them the same day, then XXXX days later requesting a letter explaining why XXXX XXXX issued the check? My car was a total loss, but why does that matter to them, and why did they wait XXXX more days to request it? That was sent XX/XX/2016. If they have a check with a guarantee they need to release the funds right? A portion ( XXXX ) of the check is my money and they have n't released a dime of it .They are making me wait for my money too, I do n't understand how they can do this. The lady that I was working with left me a message on my answering machine that funds wo n't be released till XX/XX/XXXX. I tried to call her back and she is out of the office till XX/XX/XXXX ... I am having to pay for a rental car out of my pocket this whole time because they are holding my money and I need it to buy a car. Please assist me in this matter because I feel that they are taking advantage of me as a consumer!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-18 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
This Complaint is against PNC Bank. 
In early XXXX 2015 I received a credit card offer in my minor son XXXX XXXX name. He was XXXX years old at that time. Also to add insult I received this mail at my physical address in which I do not receive any mail there for security reasons I receive my mail only at my XXXX XXXX XXXX. 
On XXXX/XXXX/2015 : I called PNC Bank at XXXX and spoke to XXXX XXXX at the XXXX XXXX XXXX and filed a complaint. He just apologized and could not give any reassurance this will not happen again or how it happened. 
On XXXX/XXXX/2015 I received the attached email from XXXX XXXX XXXX Escalation Specialist but to no avail. He informed me of the same above. 
On XXXX/XXXX/2015 I spoke with a lady representative from PNC Bank at XXXX and she could not explain how my minor child was getting these credit card offers. 
Now on XXXX XXXX, 2015 I received another credit card offer in my minor son name at my physical address. 
This is complete fraud. I have a PNC checking account and my son is POD on the account. This is the only information PNC has on my minor son. Why are they sending him credit card offers after I addressed my concerns with them in XXXX 2015. Also why to my physical address when I never get mail here. All my mail in regards to my checking account goes to my XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I am in the process of getting a new home loan with PNC Mortgage. I have been waiting for loan approval for 65 days ( after conditional approval went through with no difficulties ). Further, the loan officer and processor will not answer phone calls or emails, and will not tell me a closing date. The initial closing date estimate ( XXXX XXXX ) came and went, and now I 'm out of my apartment and not in the new house ( essentially homeless ), living at a hotel and incurring costs and time off work. The new home builders are ready to close, as am I. 

PNC help lines will not respond to my calls, and I have caught them in lies ( through parallel communication with the lawyers doing the title work ) on a number of occasions. 

I know this probably is n't the right outlet, but at this point I do n't know what else to do. Continued hotel costs may put me at financial risk. PNC will do nothing to help me, and I 'm afraid that pulling out and going with a competitor will incur severe penalty fees. ( They have not discussed any of these steps with me throughout the process. ) Thank you for your time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25 00:00:00
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Collection Information Bureau, Inc.
State: LA

Complaint narrative:
Bill paid thru health insurance more than 5 years ago

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-28 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Alliance One, Inc.
State: NH

Complaint narrative:
I keep getting debt collection calls from the telephone number XXXX. 
I told them they have the wrong number and the person they ask for is not at this number, but they just keep calling. 
The most recent repeat dates on my call log XXXX, XXXX, XXXX, and XXXX ... but this has been going on forever it seems. 
How do you stop harassing phone calls at almost XXXX at night?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26 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, 2016 my PNC personal checking account balance had {$43.00} less than the amount needed to cover the debits submitted. PNC bank computer software manipulated the debits and on Tuesday, XXXX XXXX, 2016 they charged my checking account XXXX NSFs @ {$36.00} for a total charge of {$140.00} for XXXX NSFs. I maintain that this total charge of {$140.00} is excessive for a insufficient balance of {$43.00}. I believe only XXXX or, at most, XXXX NSFs should be charged to my checking.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation
State: MI

Complaint narrative:
In XX/XX/XXXX I was in a position where I decided it was a good time and I was stable enough to take out a car on payments. It is my first time making payments on a car. However, I became XXXX and due to some unforeseen circumstances I moved to another state. Homeless and jobless. I found a job about a month after moving to Michigan and quickly realized it was not what the job description had stated it to be. I was getting less then 20 hours during 2 weeks. I was struggling to keep myself above the water financially. XXXX I was fired. The amount I was paying to the leasing company and car insurance did not leave me any remainder to look for a place to live and I have a baby coming shortly. It is not easy looking for a job at 6 months pregnant. However, I quickly after being fired found another job at XXXX. I am currently employed and working around 25-35 hours a week. Still the amount I take home is not enough to pay for the basic living expenses and save for a baby and a car note and full coverage insurance. I am stuck in a bind. I have called the company several times asking for a temporary suspension or if I can return the car and pay the early contract fee or lower my payments for a while or continue without full coverage insurance. On their website it is posted that in their lease program you are not required to have full coverage insurance but I am required. Also when I leased the car the agent told me I had a return any time lease with no expenses. I was also told when I called in that I had the return any time lease. When I called to turn in my car all of a sudden that changed and I no longer have that option. In my copy of my contract it tells me I can return my car any time with no penalties. However, everyone keeps telling me that I have no options, managers and regular employees. If I miss my payment over 30 days they will come and take the car or if I return the car I am still responsible for the remaining balance on the lease. I am trying to pull myself out of a rut and I am trying to do it the right way but I do not make enough money. I do not know what to do. I can not afford a lawyer to help me. I am on my own.

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 2015-04-23 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I would like to make complaint on PNC Bank regarding a allotment that was going to a incorrect account and the XXXX Branch and XXXX, OH customer service number can not see or pull up. I receive a letter from the Branch which state that account is not a PNC Bank Account. The allotment was withdrawal from mine personal pay check and I 'm getting the run around.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
On XXXX XXXX we issued a check from XXXX XXXX XXXX and made a mobile deposit to PNC bank ( thus we transferred funds because XXXX has branches far from us XXXX. In our online accounts we saw that XXXX sent money and PNC received it on XXXX XXXX. On XXXX XXXX we tried to withdraw cash from PNC in XXXX, IN. The representative spent with us about 45 minuted and finally refused to give transferred money, even a portion of it. We could get only amount of the previous balance. During withdrawal we were repeatedly asked about the purpose of having cash ( we do believe that these questions were non-ethical, it is our money and our business what to do as we pay taxes and use money legally XXXX. 
We live almost XXXX miles away from the branch. So, we called in advance ; we made a trip just to know that we would not get money which we own.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial Services reported a late payment to the credit bureau after they received my payment on time. They received my payment on XX/XX/2016, and falsely did not process it until next day. As a result, a late payment was reported to the credit bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: IL

Complaint narrative:
I had a mortgage account with StoneGate Mortgage # XXXX for a rental property at XXXX XXXX XXXX - XXXX, IL XXXX which was set up on auto payment. Our mailing/statement address was our office at XXXX XXXX XXXX XXXX, IL XXXX StoneGate had our correct email address, office and mobile phone numbers. Yesterday I noticed the auto payments stopped in XXXX 2016 for the mortgage payments. When I called StoneGate to find out why I learned my loan was transferred in XXXX to XXXX # XXXX and that as of today XXXX XXXX we owed 4 months worth of payments. I made the payments today, but very concerned my credit will now be negatively affected for this. Neither company informed us of the change by mail, email or phone. Not sure of our rights, but does not seem right. Thanks for your help.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-20 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A.
State: PA

Complaint narrative:
On XX/XX/2015, I filed an dispute with Citi cards CBNA, and advised thatTitle 15 U.S.C. 1681s-2, " Responsibilities of furnishers of information to consumer reporting agencies, '' mandates the reporting of only accurate, verifiable information, and the FCRA requires that all items on my credit report must be verifiable, accurate and complete. In this regard, I hereby requested a copy of the original contract, signed by me, that began this alleged debt. This copy must contain my authentic signature, and must be mailed to XXXX XXXX XXXX, XXXX XXXX, XXXX, Pa XXXX. 

As I am sure Citi are aware, if the documentation requested above is not available, the disputed item must be removed from my credit report, otherwise your company will be in violation of the FCRA. 

Unless the original, signed contract is provided to me within 10 days of your receipt of the letter dated XX/XX/2015, I will be forced to assume that Citi were intent on failing to comply with the law. In this case, the item must be removed from my credit report. If Citi failed to respond in writing, signed by hand, in a timely manner, I would assume that Citi are in error and this matter will be challenged. As Citi further know, the dispute letter has the same effect as a dispute of the accuracy of the alleged debt and their claims. The dispute with Citi was an attempt to collect evidence of their noncompliance in case further action is required. It is was not a statement, election or waiver of status. 

If Citi fail to comply within 15 days, I advised Citi I would file a complaint with the CFPB, as well as the XXXX. I never received any correspondence from Citi as of today XX/XX/2015, and the allotted time for the dispute has expired. I check my XXXX, XXXX and XXXX credit report and Citi tradeline is there.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Bridgecrest Acceptance Corporation
State: FL

Complaint narrative:
I have an auto loan that was paid off on XXXX/XXXX/2016 in the amount of {$14000.00} ( PAID IN FULL ). As of XXXX you are still reporting my paid off account as ( OPEN ) with a balance of {$14000.00}. This is incorrect credit reporting. Please update all XXXX of my credit reports XXXX as PAID IN FULL with a {$0.00} balance. 

As this is incorrect balance is affecting my credit rating.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
BMW Financial Services continues to report my account information inaccurately. They have fixed some issues which I appreciate, however, my account XXXX became delinquent in XXXX 2009, I made payments afterwards but it was never brought current. Therefore the date of first delinquency is XXXX 2009, they show XXXX 2009, XXXX 2009, and XXXX 2009 as current. This is in accurate, they were still at least 30days past due and therefore not current. Please update XXXX 2009 as date of XXXX delinquency, and XXXX, XXXX, XXXX of 2009 as 30 days past due. Thank You

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA

Complaint narrative:
On XXXX/XXXX/XXXX my husband and I submitted a loan application to Bank of America for a car. I really did not expect to get the loan since we had a bankruptcy in XXXX, but I thought it worth a try since we have been customers with them for the last 34 years. On XXXX/XXXX/XXXX we received an email from them stating that our loan had been approved. I was ecstatic. I called BOA to find out what our next step was and was told I would receive and approval letter to take to the dealership, fill out the necessary paperwork and be on my way. We did this and spent the whole day at the dealership but left with a small car. How horrified I was to about 4-5 days later I received an email that said we were denied. How could this be! I contacted the dealership and they told us BOA would not approve the loan for the 4.79 % rate, and our paperwork had been lost, so we had to resign papers for the 6.0 % interest rate, which took our note up by a small amount. WE went in and resigned the papers and again left the dealership. But more than a week later we again began to get derogatory emails from BOA saying we were denied. We again spoke with the dealership and they told us again that they had been informed by BOA that our paperwork was again lost. So the dealership had to go through trying to find us another lender, but when someone checks your credit report it causes your score to drop, therefore, today with the dealership trying to find us another lender our credit score has taken XXXX-XXXX inquiries taking it even further down. I truly feel that BOA has done some unfair practices with this deal, and now we are again at square one with no solution in sight. As I stated before we have been with Bank of America 34 years, without any conflicts, except the bankruptcy, so I only did what I had been approved to do when we went to the dealership, and BOA Has been totally dishonest with us as well as the dealership. How can they lose information twice in a row. I am attaching with this complaint copies of most of the correspondence we received from BOA, they even went as far as asking us to send in documentation after the second application was filed only to turn around less than an hour later and send out more denial letters, which they always sent it twos.

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 2015-11-13 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ocwen Financial Corporation
State: MA

Complaint narrative:
The response is fraudulent because I XXXX XXXX legally own the property at XXXX XXXX XXXX XXXX XXXX XXXX, MA, XXXX and I do not have any mortgage on this property and neither does my father XXXX XXXX, The only signed mortgage notes are registered at the registry of deeds one from XXXX that has been discharged and the other from XXXX a division of XXXX and no payment has been made on neither of them for over six years which is well passed the statue of limitations for the state of MA, as confirmed with the Federal Trade Commission. US Bank NA and XXXX XXXX XXXX XXXX does not have any signed supporting documents such as notes registered at the registry of deeds, because of this US Bank NA and XXXX XXXX XXXX are breaking the law by denying me my Human and Constitutional Rights and also committing bank fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: JPMORGAN CHASE & CO.
State: IL

Complaint narrative:
Chase closed my business checking account without even notify me. No email, no letter, no phone call, XXXX. Just one day, poof! my account was gone! I discovered that when I wanted to deposit a check to my account, and the account disappeared. I called Chase, they told me because they charged {$15.00} per month when my biz account balance is below {$1500.00} for the past 8 months. The account went to negative and they closed it! 
One would think at least a courtesy email should be sent to customer to inform them the situation. Not just simply close the account silently!!! That 's just WRONG! Not the mention they charge so much, {$15.00} per month, because the account did n't have the minimum balance!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: BMW Financial Services NA, LLC
State: CA

Complaint narrative:
account number XXXX BMW financial services, is reporting XXXX delinquencies on my records for the mentioned account number, to the best of my knowledge that never happened and need to be removed since these are hurting my credit. i would need your help since i have been disputing many times and they never responded me back with evidence.

Company response to consumer: Closed with explanation