vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-11-09 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
I 've had my bank accounts with PNC Bank for several years now with basically no complaints. In XX/XX/XXXX, I had XXXX fraudulent charges on my debit card, which PNC refunded ( stopped payment ) on XXXX of the XXXX. They left me hanging for the fourth - XXXX XXXX confections and told me I was on my own, but provided me no details of the transaction. As a result of the fraudulent charges, PNC issued me a new debit card, which is where this complaint starts. On XX/XX/XXXX, XXXX charged my NEW debit card {$95.00} and I have not given this card # out to any companies or used it online. So, I called PNC and asked them to file a dispute. Again, they told me they offered no support, I was on my own. I asked them for Corporate Security and to start a fraud investigation. Only then did the representative take a 'questionnaire ' from me about the incident. During this 'questionairre ' she asked me to falsify my first answer " Did you give out this card # to the company in question? '' She informed me that answering yes would expedite my process, answering no would cause me problems, But I did n't give out the card #, what am I supposed to say? " If you say yes, your claim will be processed, if you say no, you will have difficulties with this claim. '' I told her I was n't going to lie and left my answer as " no '', I had not given out the card #. Feeling uncomfortable, I asked to escalate this complaint. She complied by giving me a # I could leave a VM on. After that, I asked her how a random company could get my account information. The representative informed me that upon issuance of the replacement debit card in XX/XX/XXXX, PNC had done me the 'service ' of giving out the new card information to any merchants who had claimed a recurring charge on the old card. WHAT?!? I asked her to repeat what she had just told me and she did from her script. Again, WHAT?!? You replace a card for fraud, and give out the new card information without my knowledge or approval? I want my money back. I want damages. I want credit monitoring due to the breach by PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-20 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
Even after settling a XXXX lawsuit for abusive overdraft practices, PNC Bank has not stopped their manipulative practices to create overdraft fees on their customer 's accounts. As my attached ATM receipts will show, PNC is giving their customers one set of accounting figures, while they are using another set of accounting figures internally. In doing so, they have unfairly charged me XXXX ( XXXX ) overdraft fees of {$36.00} each. Please note the following : 1. ATM receipt # 1 - date XXXX/XXXX/16 a withdrawal of {$45.00}, new available balance {$120.00} 2. ATM receipt # 2 - date XXXX/XXXX/16 a withdrawal of {$50.00}, new available balance {$74.00} 3. On XXXX/XXXX/16 - {$1.00} purchase in workplace cafeteria - availability immediately taken away, new balance {$73.00} 4. ATM receipt # 3 - date XXXX/XXXX/16 a withdrawal of {$20.00}, new available balance {$53.00} ( also proof that the {$1.00} was already taken from my availability ) 5. On XXXX/XXXX/16 there were XXXX ( XXXX ) pending payments of {$25.00} & {$66.00} totaling {$91.00}, new available balance XXXX 6. ATM receipt # 4 - date XXXX/XXXX/16 balance inquiry, available balance XXXX 7. ATM receipt # 5 - date XXXX/XXXX/16 deposit {$100.00}, new available balance {$62.00} 8. ATM receipt # 6 - date XXXX/XXXX/16 withdrawal of {$60.00}, new available balance {$2.00} On XXXX, PNC charged me XXXX ( XXXX ) overdraft fees of {$36.00} totaling {$72.00} for the payments of {$25.00} & {$66.00}, although my ATM receipts show the {$100.00} deposit covered these XXXX ( XXXX ) payments. On XXXX/XXXX/16 PNC charged me XXXX ( XXXX ) more overdraft fees of {$36.00} totaling {$72.00} for the {$60.00} ATM withdrawal on XXXX/XXXX/16 ( receipt # 6 ) and the {$1.00} purchase from XXXX/XXXX/16. These are fraudulent, unfair, and abusive practices and I am demanding reimbursement of the {$140.00} PNC stole from me. 

These figures are not just what I believe, but they are what PNC Bank have provided me based on my receipts. The ATM balances are in " real time '', then PNC fraudulently manipulated the processing to create fees. 

On a larger scale, I hope that you will launch an investigation into PNC 's manipulative and abusive practices. 

The math plain and simple : XXXX ( XXXX pending payments ) XXXX ( ending available balance )

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-15 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
On XXXX XXXX XXXX I contacted PNC bank in reference to a payment for my rent submitted XXXX/XXXX/XXXX electronically though a XXXX app. on the day of XXXX around XXXX in the morning I called customer service to inquire about the payment that was submitted because online it was indicating that the payment was not paid & it looked as if it was returned due to insufficient funds. I spoke to XXXX who reassured me that the payment had not been returned & it was either paid or still in the process of being paid. XXXX/XXXX/XXXX I received a letter from my rental property manager that they received the returned check and I was to pay not only the rent but a return fee for {$100.00} and a late payment fee of {$100.00}. Due to the wrong information that was provided XXXX/XXXX/XXXX Myself or my partner were unable to make the proper arrangements to avoid the fee that was accessed XXXX/XXXX/XXXX by the property manager. On several occasions have we spoken to the bank to get informed information on how to properly use our account & on several occasion has the wrong information been provided. The difference between the past & now is due to the lack of knowledge the rep ( s ) & as well as the local branches have it has caused us financial hardship.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-19 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: UT

Complaint narrative:
I have contacted Stearns Lending multiple times to get my escrow adjusted to reflect a property tax exemption from my county. First, it was to see what information was needed in order to adjust it. I submitted the questions through the online contact form. I received an email confirming that the request was received, however, I never heard back. I called in after waiting the requested 10 business days and was told that the county needed to send them a form. When I asked for the form, they said that the county is the one who has it. I called my county who had no clue what is was but offered to write a letter confirming the property tax exemption on the property for my service XXXX veteran husband. This letter included all the information on my property including the estimated tax bill for 2016. 

On XX/XX/XXXX, I submitted this letter through the same secured form online and got a confirmation that they received my request and it asked for XXXX business days to review and research it. On XX/XX/XXXX, I called in because I again never heard a response from the company. I was told that they denied my request for Escrow Adjustment because I did n't submit an actual tax bill. When I explained that tax bills do not get issued until XX/XX/XXXX, they said that they can not go off of the county 's estimated tax bill. I questioned this because they are currently withholding the escrow based off an estimation and not an actual tax bill. The answer was still no, they would not adjust my escrow based off of my tax exemption. This puts a large strain on my monthly cash flow because the difference in escrow is about {$150.00} a month. 

I also questioned why I was not informed that the request was denied. I literally had no communication back from Stearns lending after I submitted the request. I was told that I submitted the wrong form. I questioned how that was possible considering that I used their form online. I never got a clear answer. The agent I spoke with was agent # XXXX. I 'd love someone to review this call because it truly was bizarre. 

I 'm appalled that a company who is holding VA mortgages is not more familiar with tax exemption available to XXXX Veterans. Also, this is the not first time I 've had issues getting my escrow adjusted. When I switched insurance policies, I had to submit the request 4 times before it actually was done. Each time I called, I was informed that they never received the information. There is a systemic issue with bad service and communication at this company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14 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 bank is trying to take my funds stating I have an outstanding balance from XX/XX/XXXX. I opened this account in XX/XX/XXXX. I have a previous account with pncb an that was closed because pnc bank had fraudulent practices which forced the consumer to pay extra overdraft fees. A class action suit was filed and pnc bank settled. These fees were reversed and everyone who submitted a claim was rewarded. I have not received one notification from pnc bank that referred to any outstanding balance. This outstanding balance is due to fees from that old account. Since XX/XX/XXXX, pnc bank never sent one notice nor have a received any notice from any collection agency on their behalf. I was in the XXXX XX/XX/XXXX and applied to receive unemployment compensation which I setup to go into this account. On XXXX XXXX, XXXX, XXXX deposited the funds into my new pnc account. On the same day, pnc closed my account because " I had a XXXX balance for one month ''. I called pnc bank to resolve this issue on Monday, XXXX XXXX, XXXX. I was told the account was closed and why. Pnc reopened the account but stated a had an outstanding balance from XXXX. I explained to them that that old account was apart of a class action suit and I did n't not owe these fees. Also, as previously noted, pnc bank never notified me previous to XXXX XXXX, XXXX that there was an outstanding balance in question. There has been no detailed accounting of what I owe these fees for but pnc bank is trying to apply my XXXX funds toward rhus XXXX balance. I opened this account in XXXX XXXX and have had many deposit into this account. If there was a balance in arrears, why was n't it applied between XXXX XXXX and now. They could have gotten this number from anywhere. They are either trying to collect on these accounts they lost in a settlement or they are outright trying to defraud the consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: MS

Complaint narrative:
Received calls at my workplace after telling the mortgage company that I can not receive those at my place of employment. They have subsequently called two more times including today.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-27 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Alliance One, Inc.
State: FL

Complaint narrative:
i received a letter from Alliance One Receivable Management, the telephone number in such, XXXX misrepresents the collection agency. This toll free number directs me to an automated system full of marketing sales advertisement. From XXXX offers, emergency service for the elderly, up to mobile phones sales. i question the legitimacy of this company. I feel they are trying to phish for information if i choose an offer. it is concerning they have my PII information, fake such a letter, and may take advantage of computers. This is unfair and deceptive practices. I found their number on-line and spoke with XXXX XXXX who was rude - she refused to provide me information about the legitimacy of her company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I have a Mortgage with PNC which I am paying off. In the payoff statement they included a charge of {$390.00} for " Outstanding corporate advances ''??? When I called customer services, after 1 hr on the phone the representative could n't find any justification for this charges, then the supervisor joined the call and confirmed that THEY NEVER NOTIFIED MY OF ANY OUTSTANDING CHARGES, and that they have NO evidence of ever contacting me about any pending charges, she then said that they have the right to charge whatever they want because of the " language '' specified in the Security Deed, of which allows then to charge any miscellaneous charges they want, but she was not able to tell me where in the Security Deed says that nor to specified the referred charges. 
This is a typical abuse from Mortgage companies, that suddenly want to charge extra fees when I am paying off the mortgage. Very disgusting and unlawful business practices.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
Open account with PNC Bank, since beginning have trouble with them, let it go as an error but it did escalate until week of XXXX XXXX, when have to request them to close the account, payments that went okay, were returned with no apparent readon when account was positive. Still dealing with fallout, any help, appreciated it. Sincerely, XXXX XXXX. Thanks.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
We do not escrow either insurance or property taxes. We have never escrowed I or T for the loan on this property. Without informing us, PNC bank paid our property taxes more than a month early. When we paid our taxes the day before they were due, we were informed by XXXX County that PNC paid them. After XXXX telephone calls PNC finally asked the county for a refund and our check was accepted. The reason we insisted on payiing is we did n't want the escrow that would result for last year and this year 's taxes ; more that {$430.00} per month. 

Subsequently, we received our XXXX XX/XX/2016 mortgage interest statement from PNC. The PNC contained several errors. The mortgage interest amount was wrong ; it did not include our last payment 's interest even though the remaining principal amount shown did include our last principal payment. The escrow balance showed a negative {$5100.00} and the taxes paid showed a positive {$2600.00} even though PNC had received a refund of the taxes it paid. We have not yet received a replacement XXXX which will likely cause us to have to file and amend our taxes for 2016. Trying to get this resolved took another phone call. 

Finally, we received in the mail on XX/XX/XXXX a statement from PNC stating in part " We 're concerned about your recently missed payments ... .. '' We have never been late with a payment. Another phone call. I was told that we are current. The mailing was " computer generated because of all the adjustments made to our account. '' What adjustments? 

I am deeply concerned that this latest computer snafu will impact our credit scores and future ability to borrow money for a car or obtain a credit car.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06 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:
I received an email this afternoon from my bank, PNC, to let me know I have the option to opt out of their arbitration clause and that if I choose to do so, to clink on the link that is supposed to be in the email. 
However, there was no such link in the email. So, I went to their on-line chat service and brought this up. They said I could call the bank and talk to XXXX of the consultants. I asked though, if they could just send me the link. They said I should call. 
After I called, I spoke to XXXX XXXX, PNC Customer Service Representative about this. She said they were working on the link. I expressed my extreme dismay and concern that the bank would send out an email without the link attached and that it felt to me like they were making it hard for customers to actually opt out. I also said that the online chat people at least should have been able to give me the link. 
She took my information and will be opting me out of arbitration with a follow up letter to confirm this. Again, I expressed my concern, asked her to send my complaint to the appropriate PNC officials and that I would let the banking regulators know - thus my complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I have submitted a request for release of a XXXX mortgage with PNC Bank overv ( XXXX ) XXXX months ago. There are serious ownership issues I raised plus I submitted a letter of financial hardship. I realize that PNC may have more than its fair share of non-producing mortgages, but in my case the loan was a wrap around note with my business that eventually dissolved through a Chapter XXXX bankruptcy petition. My responsibility to the note has been discharged, however I believe that PNC has no other recourse but to forgive the debt completely. The Mortgage Forgiveness Act of 2014 will protect me of any IRS issues for forgiven debt. I demand that this matter be resolved immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-02 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:
I have a business checking account with PNC Bank. Without my permission or explicit request, PNC added a service called 'Cash Flow Insight ' to my account and charged me {$10.00} per month for this unwanted service. I did contact the bank and request a refund for the service and requested the service to be cancelled. They did both. However, I feel it is important that banks can not add services with corresponding charges to customer 's account without appropriate notification. Using an 'Opt Out ' approach should NEVER be used. Rather, requiring 'Opt In ' for any services that carry service charges should be the requirement.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: I.Q. DATA INTERNATIONAL, INC.
State: NV

Complaint narrative:
IQ DATA INTERNATIONAL IN, XXXX XXXX XXXX, XXXX WA XXXX, XXXX seeks to collect on a debt that is not mine and to which I dispute. They have illegal made credit report entries without the legal authority to do so. Their reporting is inaccurate, incomplete and unlawful, as is there debt collection on the subject matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CAVALRY INVESTMENTS, LLC
State: CA

Complaint narrative:
On XXXX I sent the company a demand for validation for the refereced account The company failed to provide validation and in violation of Sec 809 FDCPA continued to report the account on my crdit report

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04 00:00:00
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: 360 MORTGAGE GROUP LLC
State: MS

Complaint narrative:
360 Mortgage has not complied with VA standards on my VA home loan. I have submitted a new forbearance package for approval or a modification to my loan if need be. All documents have been submitted and my VA loan tech has been notified.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC
State: AZ

Complaint narrative:
DEBT COLLECTOR has not notified the CONSUMER that such negative/unproven information was placed on CONSUMER 'S credit reports. DEBT COLLECTOR has neither furnished any paperwork showing from what original creditor this alleged debt comes from ; how the alleged debt was purchased ( or was legally assigned collection authority ), nor how it calculated the amount ( s ) that appear on CONSUMER 'S credit reports, per Section 803 of the FDCPA. Furthermore, it is beyond the CONSUMER how an account can appear as both 'open ' and 'closed ', with conflicting amounts displayed. This account also appears to be re-aged in an attempt to keep negative information on CONSUMER 'S credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-08 00:00:00
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX

Complaint narrative:
I gave a 30 day notice by fax and calling the apartment comlpex XXXX on the XXXX. 
I have called them and called and there telling they have no record. This has become a very frustrating. I dont know what to do at this point ... sorry but i need help ....

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08 00:00:00
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: CNG FINANCIAL CORPORATION
State: MO

Complaint narrative:
I took out a short loan {$670.00} to date I have paid over {$1400.00} I feel the APY of 400 is usery. I sent them a letter saying I want them to consider my loan full paid. The continue attempting ACH withdrawals causing me bank fees. i need this stopped ASAP. 
The lender is Check N Go XXXX XXXX XXXX XXXX XXXX XXXX Ohio XXXX

Company response to consumer: Closed with explanation