vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-12-09 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
We have applied and been turned down for Modification by the servicer of the loan, PNC for XXXX, due to what they claim is the servicer agreement does not allow modifications. Through much research I am finding this is probably not the case. The denial paperwork came back saying it was denying my hardship assistance request because " the assignee/mortgage owner or private mortgage insurance company on your loan has not provided an actionable decision on the proposed alternatives to foreclosure option for your loan. '' It says this multiple times, so the servicer, PNC, never received an answer to my application from the trustee, XXXX for XXXX. Mortgage asset-backed pass-through certificates, series XXXX. 
We had employment problems in the past and almost half of the time I was delinquent I was serving my country XXXX. I am looking for a resolution, a change in the terms of my loan so as to be able to continue raising my family in this home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31 00:00:00
Product: Debt collection — I do not know
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: Alliance One, Inc.
State: CA

Complaint narrative:
Did not see a category that fit perfectly. A debt collection company named Alliance One, XXXX XXXX XXXX XXXX XXXX, WA XXXX charged our credit card {$30.00} without our knowledge or consent. We have never been contacted by Alliance One in any way. When I called Alliance One they confirmed the charge based on the charge date, the charge amount, and the last XXXX digits of the credit card account, at which point they gave me a reference number. They did not ask any questions ( name, address, date of birth, etc. ) to confirm that I was the actual person related to the charge, which amounts to Disclosure of Verification of Debt. They transferred me to another person who then wanted all kinds of personal information but refused to explain who the company was, what the credit card charge was for, or how they got my credit card information to begin with. We had to have our credit card cancelled and a new card issued.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: PNC Bank N.A.
State: MI

Complaint narrative:
the company is CCS XXXX BANK, XXXX PNC BANK HAS XXXX THESE PEOPLE MY PERSONAL INFORMATION STATING THAT I OWE A DEBT THAT I DO NOT HAVE A LOAN OR NEVER DID HAVE A LOAN WITH PNC BANK NOW XXXX ARE CALLING ME MAKING THREATS OVER THE PHONE FROM PNC BANK PNC BANK STILL XXXX ME MONEY,, THIS IS VERY ANNONYING AND MY PERSONAL INFORMATION HAS BEEN GIVEN TO THESE PEOPLE WITHOUT MY CONSENT,, THIS ABUSE OF THE PRIVACY ACT WHICH I AM DISSAPOINTED BY PNC BANK TO GIVE MY PERSONAL INFORMATION TO STRANGERS.. PLEASE HAVE THEM STOP

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-04 00:00:00
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
on XXXX/XXXX/2015 I checked my account balance to obtain what I had available. My available balance was {$300.00} I withdraw {$200.00} which left me a remaining balance of {$100.00}. I logged onto pnc.com website to obtain my balance and it stated that I only had {$15.00} out {$100.00}. PNC charged {$81.00} for a unknown fee and when I called to speak with a rep he was unable to specify what was the fee for. I have direct deposit and a total of {$3000.00} deposit from my employer XXXX and child support combine together and PNC NEVER charged me a sevice fee. I asked to speak with a manager since the Representative was unable to assist me. I was on hold for XXXX and no one came to the phone. I 'm disputing those XXXX charges of {$81.00} and {$4.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MI

Complaint narrative:
PNC bank came to my place of work and recruited us to open checking accounts and savings account and promised us XXXX will be added to my account after XXXX direct deposits this never happened i have a contract they signed and now they are changing their story and now they have a collections company calling me after all their late fees and lies please help thankyou XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
Banks are free to over-charge consumers with astronomical overdraft fees for transactions, particularly when a consumer makes an HONEST effort to make deposits the same day or XXXX3 days prior to cover insufficient funds. 
The FDIC Truth in Lending, Congress or the President of the United States should regulate the overdraft fee. 
America 's big XXXX banks made over {$5.00} billion last year from overdraft fees alone. 
The result is that JPMorgan took in {$1.00} XXXX from customer overdrafts. Bank of America and XXXX XXXX took in {$1.00} XXXX each. 
The CFPB ( Consumer Finance Protection Bureau should consider implementing additional rules on overdrafts. 
Fees on the " regular XXXX '' bank account made up about 4 % of operating revenues for America 's biggest banks last year, according to XXXX XXXX. 
Overdraft fees, which represent approximately 60 % of the fees charged by banks. Only 10 % of the population pays 75 % of the fees, and they tend to be the most economically vulnerable, including our troops, consumers who are between jobs and making effort to cover transactions, and consumers who travel on the road frequently. 
According to data collected by the Federal Deposit Insurance Corporation, overdraft fees collected by big banks are up 6 % from a year ago, the XXXX reports. 
" Over the years, overdraft programs have become a significant source of industry revenues, and a significant reason why many consumers incur negative balances, '' CFPB Director XXXX XXXX said in XXXX. " Too many problems with overdrafts can cause people to give up on the banking system or force them out of it altogether. '' Losing that much money to fees can make it difficult to pay necessary bills and make loan payments, which can end up damaging a person 's credit standing.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-30 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Where do I begin to express my dissatisfaction with PNC Bank and this company as whole, XX/XX/XXXX, I filed a complaint with CFPB, because PNC cross matched my address with my parents ' address, an address I never lived at and changed my billing information without my consent or contacting me to inform me and when I was attempting to use my debit card, my transactions were getting denied and then there customer service representative who were providing inaccurate information, informed me nothing was wrong with my account and attempted to convince me I was at fault, which was eventually proven a error on their part, and I am still tempted to sue due to the agony and embarrassment it caused in my life. PNC has also changed my name on my account without my consent or my request. Now falling in line with their unscrupulous banking practices as usual, the over excessive overdraft fees, they have billed my account between XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. I have XXXX checking accounts XXXX with them and another with XXXX XXXX XXXX, the PNC account is just a back-up account ; a auto payment was setup for a student loan payment in the amount of XXXX and scheduled XXXX/XXXX/XXXX and I was under the impression it would be deducted from my XXXX account, although information for both accounts is setup under my profile for my student loans. In error the payment was processed on the wrong account. On XXXX/XXXX/XXXX this transaction came through my PNC account along with another transaction for XXXX which was payment made on my PNC account. I had enough in my PNC account to cover this payment, because again, I was aware the this payment was being reflected to my account. I was thinking nothing was wrong, until I will reviewed my account on XXXX/XXXX/XXXX and saw these excessive overdraft fees billed XXXX {$36.00} fees on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$21.00} fee on XXXX/XXXX/XXXX, {$7.00} fee on XXXX/XXXX/XXXX, {$7.00} XXXX/XXXX/XXXX, {$7.00} on XXXX/XXXX/XXXX and needless to say this is a student banking account opened in XX/XX/XXXX, so no telling how many poor students, they are taking advantage and maybe a Class Action Suit needs to be file against them like the one currently pending with XXXX XXXX XXXX for unfair overdraft fees and I 'm willing to start it, because I 'm fed up.Then today on XXXX/XXXX/XXXX, I requested to speak to a supervisor upon denial to remove any of fees and she purposely transferred me to the automated system, which was very unprofessional. Then, I called back again on the same evening and male representative, attempted to cover for the agent by being dishonest and saying she did n't leave any comments, then came back after placing me on excessive holds, that he was able to locate her name and escalated my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Recently in XX/XX/XXXX of this year we realized that we had been defrauded by a book keeper in our office. We intermediately filed a police report and pressed charges. From there we went to the banks and told them what happened and provided detailed information about the amounts, check # 's, dates ... .everything they needed to start their investigation. 

TODAY I received a letter that they have DENIED my claim and will not be helping me whatsoever recover any of this money. I thought this money was FDIC insured? 

Please help me..we are a small business with less than XXXX employees and are at risk of shutting down as a result of this massive theft. The amount stolen was over {$80000.00}. 

PNC Bank could have helped us recover up to {$50000.00} of this money but they have chosen to flat out reject my claims based on typical bank stuff.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19 00:00:00
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: TX

Complaint narrative:
I had a previous auto loan contract for a defective Certified Pre Owned car that was in an undisclosed vehicle accident prior to be listed for sale and falsely certified as a Certified Pre-Owned car. I also had contract void issues due to the contract not being fully signed. Selling auto dealership refused to buy back the vehicle at time of original sale ( which was purchased out of state and online in XXXX while I resided in XXXX ). I had contacted financial provider, who refused to initiate a vehicle contract void, and used predatory practices to threaten me with damage to my credit if I did not continue to send in monthly payments. I did make all payments to the financial auto loan servicer to protect my credit, and kept contacting dealership, manufacturer and financial loan provider to return car and refund money. I filed with the XXXX, XXXX Attorney General, XXXX Attorney General and used the dealerships own biased arbitration clause to exhaust all possible remedies to no avail. At the time of warranty being close to expiration and with over XXXX different warranty repair history and car still not free of defects, arrangements and notice was given to financial provider that car was going to be returned to the local authorized brand dealership due to car still having leaks, mechanical failures, engine issues that were not repairable. Instead, financial loan provider is reporting a false charge off to my credit reporting bureaus and had refused to refund my {$24000.00} plus {$8000.00} attorney fees. It is falsely reporting a negative account charge off and this is predatory and a violation of the Fair Credit Act. My credit needs to be in compliance with the Fair Credit Act, the loan provider is prohibited from using predatory and exploitation in credit reporting and retaining funds and demanding payments and refusing to void contract from the beginning. All payments were sent on time to protect my credit and I was told that the car was mine, and I was responsible even though it was not a Certified Pre Owned car, but was instead a previous collision vehicle that was falsely labeled as a CPO, when it had front end damage prior to sale, which the dealership concealed and sold the car anyway as a CPO, when it was not.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Reliant Capital Solutions, LLC

Complaint narrative:
I owed XXXX University {$5600.00} which I was unable to pay due to my financial situation. 
They sent it to debt collection - reliantcapitalsolutions. 
And now the debt collector wants {$7500.00}. 

I told their representative that I am willing to settle the entire amount that I owe XXXX University and add {$100.00} for their service. They cut their fee in half and are asking me to pay {$6400.00} I did not agree for the new approved amount and think their fee is unfair, subjective and unethical.

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 2016-12-16 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: NY

Complaint narrative:
I have a Real Estate Agent working a short sale for me and my husband. We have a foreclosure hearing date XX/XX/XXXX. The servicer is PNC and the investor is XXXX Bank. PNC acknowledged on XX/XX/XXXX that they had received a complete short sale package. On XX/XX/XXXX PNC told us due to government guidelines PNC only has 30 days to respond to a request for a short sale and since the investor ( XX/XX/XXXX Bank ) has not responded PNC had to close the file. I was told that once XXXX Bank responds they will reopen the file. My realtor has called PNC weekly and there is still no response from XX/XX/XXXX Bank and now we are headed to foreclosure. We would like help completing a short sale.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC
State: IL

Complaint narrative:
Nationstar issued approval for a short sale for a purchase price of {$130000.00} XXXX. The buyer 's appraisal was returned at {$130000.00}. Nationstar did not contact the investor for approval to issue a revised approval letter, which would have been the most effective solution. Rather than resolve the issue between servicer and investor, Nationstar instructed us to submit a copy of the buyer 's appraisal to XXXX through XXXX and assured us we would receive revised approval at the appraised value of {$130000.00}. The response was a counter in the amount of {$140000.00}. The buyer was unable to obtain a mortgage and the contract was cancelled. We have submitted several value disputes with documentation that a value of {$140000.00} is not reflective of market value and all disputes have been denied. As a result, we requested full disclosure of all valuation materials, XXXX reports, internal valuations, and appraisals. The servicer and investor refused our request, denying the homeowner her right to conduct a transaction with full disclosure and transparency. Should you need further information please contact our office XXXX or by e-mail ( XXXX ). Thank you in advance for your assistance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: SC

Complaint narrative:
A package was submitted for a loan modification with XXXX XXXX Loans, XXXX XXXX, 2015. An modification offer was received from XXXX XXXX XXXX, 2015. The documents were signed and returned to XXXX as requested. The loan was transferred to Select Portfolio Services ( SPS ) XXXX 2015. Select Portfolio says that they will not honor the agreement because it was not signed. XXXX says they received the signed documents but did not have time to process and execute because the loan had to be turned over to SPS. Select Portfolio Services now has the loan in default and says it has to be cured by XXXX XXXX, 2015 or foreclosure proceedings will begin. We do not have {$4500.00} that they are requesting to stop the foreclosure action.. We have made on time monthly payments as per the agreement signed with XXXX. All we are asking is that SPS honor the agreement from XXXX XXXX Loans. Select Portfolio says they need to get a copy of the signed agreement from XXXX. We want to save our home. Please help!

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 2015-05-12 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC
State: FL

Complaint narrative:
Nationstar acquired my loan on XX/XX/2014 but incorrectly used my old terms instead the new modified terms. When they finally admitted their mistake in XX/XX/XXXX, they only reversed 2 months instead going back to inception of my loan loan ( XX/XX/XXXX ). 
THIS IS NOT A DUPLICATE CASE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07 00:00:00
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: BB&T CORPORATION
State: NC

Complaint narrative:
I traded my car XX/XX/2017. the dealership paid off loan but short payed XXXX. I contacted dealership and they are going to pay remaining balance some how it was paid off after the 20 day pay off. The finace company has called me 6 and 7 times a day for 2 weeks. I explained to them what happened and that the dealership was going to take care of remaining balance. Now they have starteded calling me at work ...

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 2016-07-15 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA

Complaint narrative:
Dear SPS If you would assist me with documents I would greatly appreciate I have requested multiple times by phone and email Assignment of Mortgage New title Policy as of 2014 to show SPS as Beneficiary current preliminary title report shows XXXX Provide Beneficiary information not investor Explain why SPS is not on Preliminary title Provide who should be on preliminary title Explain and provide authority documents to move forward with foreclosure from prior to NOD, 2014 to current date Provide a copy of NOD and confirm debt on NOD if debt matches servicing of mortgage amount when transferred in 2014 not including escrow advance

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC.
State: OR

Complaint narrative:
Hello, My name is XXXX XXXX XXXXMy problem has been going on for sometime. XX/XX/XXXX to be exact my orginal loan was with XXXX, then XXXX XXXX XXXX, and it is presently with HBC and is being serviced by Select Portfolio Servicing Inc, at XXXXXXXXXXXX XXXX XXXX XXXX, the person I am talking with has changed from a man to a woman named XXXX who is the new : XXXXXXXXXXXX My loan number is : XXXX. My address is XXXX XXXX XXXX XXXX, XXXX Or. XXXX, my phone is # is XXXX XXXX XXXX, my email is XXXXXXXXXXXX I have sumbitted the requested documents over and over again for home retention modification. I have participated in foreclosure mediation a year ago. The process was a sham. I have a XXXX in XXXX and XXXX in XXXX XXXX. I took the training for XXXX and observed the process of creating XXXX program and was not allowed in but a student of mine was. I knew that would happen, based on the nature of the mediation system lacking in cultural diversity. It is to much to go into here but to sum it up, banks rule the process and everyone has dance to the tune the Banks play. I found that this new CFPB is the final remaining thing I can do to try and save my home. My interest rate has been 8.99 % since XX/XX/XXXX and even though I have requested relief over the years from this inflated interest rate nothing has been done to provide a fair interest rate at a time when interest rates are a historic low. I lost a lot during the economic downturn, my ex wife died, I became a single parent. I had a XXXX XX/XX/XXXX. I got a on call job at XXXX as XXXX. I am trying to keep my XXXX going which I have had for 15 years. I have worked throughout the world XXXX in the field of XXXX. I am requesting assistance in remaining in my home. I am a XXXX year old XXXX man and it was difficult getting to this point. But here I am with a XXXX year old daughter and dog, and we are able to make it in XXXX after 25 years here I have support system. If I can get a fair loan modification with a fixed Interest rate I should be able to avoid foreclosure. I have tried to submit requested documentation via XXXX as told to and I keep getting the same documentation over and over requesting something I had submitted before. I think it is not a good process how they can just deceptively correpond and drag out my time before foreclosure sale date. I am requesting assistance from the CFPB. They are requesting what a tax request form, a social security award letter my taxes all have been sent in addition to the application for HAMPP modification with all supporting documentation regarding paystubs, bank statements, hardship letter, rental agreements. I am at the end of the line here. I am happy I found this new office of CFPB.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation