vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2015-06-09 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Avid Acceptance, LLC
State: AZ

Complaint narrative:
I was advised by XXXX employees ( XXXX males ) that I would havea due date change after making my payments, which did not workwith my pay cycles. I made the payments and when I inquiredabout the due date change there was a delay in their response tome so it caused me to be late again. When I asked about whatwas promised and said to me on the phone they had nodocumentation and calls are not recorded. I feel like I had beendiscriminated against, being a single woman. In 2012 I was eventold that I should have planned better when I went out on XXXX. When I called to make arrangments after being in thehospital I spoke with XXXX. I said I refuse to speak to anothermale at this company I felt discriminated against and wanted afemale. He said I had to deal with him, I requested a femalemanager or female account rep. He replied there are no femalemanagers and that he is now reviewing my account. I explainedthat I am going to report this to because that is hard to believe. 
He asked what XXXX issues I was having and I again explainedI refuse to speak to him and wanted a female. They requesteddocuments of my XXXX issues or something showing that I wasin the hospital. I thought this was only required when you are filingfor XXXX insurance to make your payments. I will supply copiesof XXXX bills, but feel like it release my XXXX information whichthey do not need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
XXXX, XXXX ; Application submitted to PNC Bank for a {$200000.00} Home Equity Line of Credit. Bank instructed that should there be any doubt as to approval that the application should be withdrawn and be reported simply as an Inquiry to any Credit Reporting Agency. PNC agreed to those terms. 

PNC requested 2 years of income tax returns. I submitted the latest 2 returns that had been filed with the IRS ( XXXX & XXXX ). The year XXXX had not, as yet, been filed but was available as soon as it would be filed ( in XXXX, XXXX ). 

Against our agreement, PNC declined my application ( see attached PNC letter of XXXX/XXXX/XXXX ). I immediately responded by my attached letter of XXXX/XXXX/XXXX, which is self-explanatory. 

After 6 months of telephone calls and written correspondence that failed to be responsive to my letter, I received a telephone call from a Retail Escalation Manager to advise me that PNC 's report to Credit Reporting Agencies could not be changed to reflect a simply Inquiry and that the file was Closed for re-consideration and could not be re-opened because too much time had elapsed. 

My Credit Rating of XXXX, and the fact that the amount of elapsed time was due to PNC 's failure to respond timely to my letter of XXXX/XXXX/XXXX did not sway the Retail Escalation Manager. For the record, please note that my XXXX/XXXX/XXXX letter clearly alerted PNC of " Time being of the essence '' in my demand for their response. 

PNC 's inflexible posture is unconscionable and not in good faith. Their suggestion that I submit a new application is not acceptable to me because of the way that PNC botched their dealing with me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: OR

Complaint narrative:
I refinanced my home in XX/XX/XXXX with XXXX. The loan was immediately sold to Stearns Lending. I received a refund of {$680.00} from XXXX which I wanted applied to principal only. Since the loan was sold already, I wrote a check to XXXX and mailed it to them indicating principal only. I received notice from XXXX that they received the check on XX/XX/2016. My first payment is not due until XX/XX/2016, however, XXXX applied my payment as follows : Due Date Applied Date Description Principal Interest XX/XX/2016 XX/XX/2016 PrincipalCurtailment {$9.00} XX/XX/2016 XX/XX/2016 ModifiedCouponPayment {$230.00} {$430.00} XX/XX/2016 XX/XX/2016 OriginalLoanSetUpDate $ XXXX My loan account was not finished being set up until XX/XX/2016. Each email ticket took about a week to receive a reply. 
On XX/XX/2016, I called and finally reached a representative. She told me it takes about a week to make the change on the payment. They will not apply it retroactively to the date they received the monies. Also, it is now XX/XX/2016 and the account is still not fixed, as shown in the table entry above. They are saying my next payment due is XX/XX/2016. I question that they are still not applying my payment properly and holding my monies as early payment rather than a principal payment.

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 2016-10-03 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: STONEGATE MORTGAGE CORPORATION
State: IL

Complaint narrative:
Stonegate Mortgage claimed that we did not have appropriate insurance ( although we do ) and placed a grossly overpriced penalty insurance policy on our account, took all the money from our escrow account, and promptly sold loan servicing rights. We have electronic email records showing how many times we tried contacting them, and they did not respond a single time. My family has been defrauded by Stonegate.

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 2016-10-26 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I opted in for overdraft coverage for my PNC checking account. I overdrew my account, however, a deposit was made which covered the charges and brought my account to a positive balance on a Friday. On a Monday, another charge overdrafted my account, resulting in me having a negative balance. Instead of counting from the day that my account was overdrafted the second time, PNC began to access " continous overdraft fees '' in the amount of {$7.00} per calendar day which - persuant to the agreement that I signed opting into overdraft coverage - is only to be assessed after an account REMAINS in overdrafted status for 5 calendar days or more. I spoke with them twice regarding this matter, however, they maintained that their agreement permitted the assessment of these additional charges of {$7.00} per day. I was told on Friday, XXXX/XXXX/16 that I would receive a call from a PNC representative named XXXX XXXX that day to discuss further, however, that has yet to happen. Their overdraft coverage agreement is misleading and egregiously unclear with regards to the assessment of the {$7.00} per day charge and I believe that I was taken advantage of.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
PNC 's has failed to comply with Dodd Frank regulations relative to loss mitigation underwriting. On XXXX XXXX, XXXX, counsel for the borrowers received a letter dated XXXX XXXX, XXXX from PNC 's Counsel. At no time prior to XXXX XXXX, XXXX were borrowers provided with this letter. On XXXX XXXX, XXXX borrowers law firm provided additional documents to PNC in response their request for additional loss mitigation documents. Given this XXXX XXXX, XXXX submission, PNC was required to respond on or before XXXX XXXX, XXXX as required by the XXXX enacted provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Public Law 111-203, 124 Stat. 1376 ( XXXX ) ( XXXX XXXX XXXX Final Rules ) Regulation X, which address servicers ' obligations regarding mortgage loss mitigation options, loss mitigation policies and procedures and evaluation of applications for available loss mitigation options. No such timely response was received. Next, the letter of XXXX XXXX, XXXX does not specify what documents were missing or what was incomplete. The letter stated in pertinent past as follows XXXX We have completed our review of your hardship assistance request under the Making Home Affordable Program ( MHAP ). However, we are unable to proceed further with your request for assistance, for the following reason ( s ) : - Request Incomplete We are unable to offer you a Home Affordable Modification because you did not provide us with the documents we requested. A notice which listed the specific documents we needed and the time frame required to provide them was sent to you. 
XXXX However, no such notice was provided with this letter and all prior requests for additional information were fully responded to, with counsel for PNC acknowledging receipt of the submission and confirming transmittal to PNC directly. 
Borrowers contend that this was a constructive denial of a modification. PNC has not complied with Dodd Frank regulations in connection with this modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CT

Complaint narrative:
I have a HELOC on a second home condo in VT. The loan is with PNC. It balloned on XX/XX/XXXX Since XX/XX/XXXX I have been speaking with PNC regarding a refinance .I sent the app XX/XX/XXXX and was denied do to credit ( approx XXXX ). They told me to reapply on XXXX XXXX. At that time I was told i would have to apply for a LM. In the begining of XXXX I was contacted an was sent a LM application which I completed and returned. Approx 4 weeks later i recieved a HARP application. I called a explained the loan did not quauilfy for HARP because it was aHELOC and a second home. I was told I did not know what I was talkin about. Approx XXXX weeks later they called to to inform me the loan did not qualify for HARP and they would proceed with the orignal LM application. In mid XXXX I recieved the LM agreement raising my payment XXXX fold which I signed and returned. During this process i had applied for a refi on my primary residence. Which was approved. Until they pulled the final credi report prior to closing. PNC reported me 90 days late. My score drop from XXXX. As you cn quess I was denied. This loan also would have paid PNC off. the credit reporting proceedure was never disclose to me. I was assured of a refi. Had I known how they operate i would have gone elsewhere when my credit was still in tact. To me this was bait and switch. How could I be turn down for a loan with my payment going from {$86.00} to aprrox {$180.00} but approved for a LM with a payment of {$430.00}. Allso I made the interest payment every month. I am requesting the remove the 90 day lates off of my credit report. This will also have a impact on all of may other credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have been a PNC customer for over 14 years. I have a checking account and I have financed XXXX vehicles through PNC. I called today to schedule a payment for my Auto loan which will be paid off in less than a month. I was told they would no longer accept my partial payment. I have always paid partial payments in the 14 years of doing business with PNC. I am getting ready to purchase a new vehicle and assure you I will be going elsewhere for financing. I will not be doing business with PNC any longer! I am highly disappointed and will be closing my PNC checking account as well.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-08 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:
PNC XXXX XXXX Bank sent me a notice from XXXX stating that they have automatically enrolled me in their " protection '' services. It was my responsibility to call before XXXX XXXX, 2015 to " disenroll ''. I did, but to disenroll, the amount of information they were asking for was staggering. I refused to provide them any more information than they had on the letter. They did n't any of that information from me to " automatically '' enroll me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I came into PNC 's XXXX XXXX location to open the accounts on XXXX/XXXX/14, however the slips are dated XXXX/XXXX/14. I did not fill them out. The person who opened my accounts, XXXX XXXX XXXX, is the one who filled in both deposit slips. This issue is with the deposit into the checking account- it is off by {$12000.00}. I was n't given credit for the correct amount of the certfied check deposited. The checking account deposit was {$2000.00} in cash plus the certified check. The amount of the check was {$16000.00}, but I was only given credit for {$4800.00}. The total deposit amount for the checking account should have been {$18000.00}, not the {$6800.00} I was credited. If you look at the deposit slip you can see the errors XXXX XXXX made. At the same time I opened the checking account, I opened a savings/money market account in which there was a cash deposit of {$12000.00}. After speaking with customer service many times and getting nowhere ( I kept being told that the error would be corrected and to wait a few business days for my adjusted credit to post ), I escalated my dispute and it was sent to PNC 's Retail Escalation Department. I initially heard back from XXXX XXXX in their Retail Escalation Department, who left me a voice message stating she investigated my dispute, saw the error made by XXXX XXXX, and would contact me again once the missing funds were posted to my account. The dispute I made was only regarding the deposit error made to my checking account. The deposit slip and credit appiled to the savings/money maket account was correct and therefore there was no reason for me to make a dispute for that account. I later got a call from XXXX XXXX in which she made the assumption that the certified check was split as I could not have had a total of {$14000.00} in cash with me ( I was given no basis for this assumption ) when I opened the accounts and that my dispute was being closed. I have spoken with cusomer service multiple times and have been told there is no documentation reflecting/supporting the determination by XXXX XXXX that the certified check was split. I went to the local branch and was told by the manager that only the Retail Escalation Department can do a credit adjustment for deposit errors. PNC 's policy for disputes is to issue a provisional credit 10 days after that dispute number is opened. In order to avoid giving me a provisional credit of {$12000.00} PNC keeps closing out my disputes without giving me notice it is closed. I am not given a reason why or who closed it. I keep calling customer service, am told my dispute is closed, and then have to open a new dispute. I ca n't reopen a closed dispute and the new dispute restarts the 10 day clock for the provisional credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-31 00:00:00
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I have no other recourse to submit this issue to the CFPB. I have made numerous good faith attempts to rectify this through PNC Bank personally. This has included the following activities over the last 12 months : 2 Branch visits : 60 minutes each 6 Phone calls about this issue : 40 minutes each Research to submit this issue to CFPB : 4 hours Total time spent trying to rectify this issue to date : 10 hours During my first call I was told, " why would n't you notice this earlier? '' and " it is not the bank 's responsibility to verify your interest payments, especially since it has taken so long to catch it ''. It was n't until my 5th call that I was able to contact someone in the customer resolution team who went and researched this problem ( the person on my 4th call promised to log an interact complaint, which I asked her too, and she did not follow through or log the compliant which is against regulations in the Frank-Dodd Act ). 
When she had her team research the issue she verified that there was only {$15.00} in interest owed. I had informed her that is drastically under what I should have earned during the last 2 years. For my PNC Growth account, I would be awarded a higher interest rate for every month I made more than 10 transactions on either my PNC debit card or PNC credit card combined. For some reason in XXXX PNC Bank unlinked my credit card without my permission and those credit card transactions no longer counted towards my combined transaction total. I have gone through every month statement for the last years and found that I have been short changed this amount ( I should have received {$40.00} but was only credit {$15.00} ). I am requesting the balance of my owed interest be refunded to me and action taken against PNC Bank for putting me in this place. I am also requesting a charge per hour for my personal time in order to find resolution. I earned {$220000.00} last year at my job so when you divide that for a 40-hour work week it comes to {$100.00} per hour. With the 9 hours that I have put towards this issue, I am requesting {$1000.00} for compensation on personal time rendered to do PNC 's job. 

Months in Question : XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-19 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
A short sale transaction was submitted to XXXX XXXX/XXXX/XXXX. This was a complete file. By XXXX XXXX, XXXX we found out that PNC had ordered XXXX appraisals and each were coming in around {$130000.00}. We received the attached denial letter in the mail. Stating the offer did n't meet the required NET. We were short by {$6500.00}. It took 2 months to reach this point. We were not countered, when the file was closed and PNC responded that USDA does n't allow counters. In discussing this with USDA they stated on XXXX/XXXX/XXXX that it was not true and in fact PNC makes that determination. So we countered the buyers and submitted the offer at {$120000.00} which was the required offer price. By XXXX/XXXX/XXXX we refaxed the completed short sale package, by XXXX/XXXX/XXXX were were notified the file was submitted to the investor for approval. 

On XXXX we were notified that the loss mitigation file was being closed out because the guarantor ( USDA ) was taking too long to issue their decision of approval or denial. She stated, however, that the file would be reopened once a decision was rendered. 2 days later we were advised that the file would be reopened only if USDA 's response was received prior to XXXX/XXXX/XXXX. If it 's not, then the file will be removed from loss mitigation permanently. We then opened a CFPB complaint over this case # XXXX inquiry ID on PNC end was XXXX. We never received any follow up on this matter. 

Buyers walked on XXXX tired of waiting. 

New offer was then signed on XXXX complete offer and full SSdocs submitted to PNC on XXXX. Today we called and were told the file was closed because of a " churn '' Policy which apparently means you can only apply for assistance so many times. 

First of all the borrowers only have applied 1 time for assistance. PNC is all its ignorance are the ones that closed this file and offer out not once but XXXX different times and the last 3 times had nothing to do with what the guarantee wanted nor what USDA guidelines state. I will be in fact bringing this story to our attorney general and and the media if this is not investigate immediately. This is unacceptable on multiple fronts. This seller fell into hardship when he was XXXX to XXXX in XXXX. This is completely unacceptable on so many fronts. He has been trying to work with PNC for a year and all your company has done is find excuses to close his file over and over again.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10 00:00:00
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: IN

Complaint narrative:
My mortgage is with XXXX i just got it XXXX months ago and they used an assumption to set my escrow based on what they thought my property taxes would be. Well they thought they would be {$1900.00} a year roughly and they are actually {$8.00} big difference. I have emailed and called XXXX times over the last XXXX months to get a refund for overpayment and get my escrow payment adjusted as i should not have to be overpaying it and them keeping my money. I keep getting told it will be handled and no one ever handles it. i call back and they submit a new request and still nothing. I am yet to get an email or a call back or a letter about adjusting my escrow payment and getting me a refund for the over payment I have made.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-07 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: PNC Bank N.A.
State: MI

Complaint narrative:
I became behind in my home equity payments due to an emergency health care issue with my husband. On XXXX/XXXX/14 he had emergency XXXX XXXX XXXX. He was the only one working in our household at that time and he did not have temporary XXXX from his workplace, therefore we had no income. I got a job in XX/XX/XXXX making {$350.00} a month, while continuing to look for employment. All our bills subsequently were late due to lack of income. I applied for assistance from the State and our Church, but was denied monetary assistance. I contacted every creditor to let them know our situation. 

I tried to get help for a loan modification and by the time the department finally got back with me, I had a full time job and my husband went back to work. This process took 3 1/2 months. 

I have been working hard to catch up on all the past due bills now that my husband and I are back to work. I have been making payments on every payday to catch up. PNC continually calls me three to 4 times daily on my cell phone. I am not allowed to accept calls at work. They also call my husband while he is at work, and he is not allowed to accept calls. They never leave a message, but call three to four times daily, even though I have explained the circumstances to multiple callers several times and have made weekly payments in an attempt to catch up with the bill. We have over XXXX in medical bills due to this circumstance, so we are trying our best to pay everyone. PLEASE HELP!

Company response to consumer: Closed with explanation