vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-02-03 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: LoanCare, LLC
State: FL

Complaint narrative:
our home loan was bought out by Loancare, a servicelink company division of XXXX. A few months after, they asked us to do a government refinanace to save money. It was happening all over the country for this type of loan, so we did. At closing, notary said, '' by the way, you will get $ XXXX in escrow reimbursed. '' We soon got a check from loancare for $ XXXX and another for $ XXXX. We saved the checks for almost a month until we could check to make sure we did n't have to put them in escrow for new loan. I called loancare to ask. She said " no, you may spend them on whatever you like or double your payments. '' We deposited the checks 20 days after we received them. I doubled up on payments of my bills. Then when I checked my bank acct., the check had a stop payment and I was charged a return item fee. Called loancare and they said " we called and left a message for you on XXXX/XXXX/17 not to spend that money as it was a mistake. '' no message, email, nothing. ( This was on XXXX by the way ) the check was issued to us on XXXX, deposited on XXXX and taken out of my bank on XXXX. After speaking to XXXX people telling me it looked like we should have the money in the acct. Finally, " a supervisor '' very quickly found the so called mistake. A customer made an escrow payment and " accidentally '' put my loan number on the check. XXXX When they found the mistake, they stopped payment. They would be glad to pay my overdrafts, but not return the XXXX I had spent, as I was told to do. I threatened suit and they told me I had that right and to go ahead but they would not return the money I was promised, recieved, told to spend and then stripped of from my bank acct. These people are liars and crooks.We never received a note, call or anything regarding this problem. XXXX representative said, " you need to call your first loan servicer! '' I said, " That would be YOU! '' She did n't even know I was a customer of theirs. I told them there was a series of mistakes on their part and none on ours, that we called before we even deposited to make sure we did n't have to put on new loan, not to ask if the money was ours, because we were TOLD we would be getting that money. " XXXX '' the supervisor then asked how I would feel if i had made a mistake and written my wrong loan number and someone else got it. I told her I did n't believe that 's what happened and do n't even try to appeal to my morals as I had done nothing wrong. But that I had overpaid my credit cards and now it would be taken from my job paycheck and I would n't have enough to live on.

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 2015-08-26 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: UT

Complaint narrative:
I spoke with company on XXXX XXXX and made arrangements to pay a payment of XXXX on that day and divide the remaining amount due on XXXX XXXX. I started receiving calls on XXXX XXXX, again. PNC Mortgage claims I broke the arrangements and took the extra money I had paid applied it to the fees. The effect of this was leaving the current house payment behind by 2 months. PNC was refusing to honor the original arrangement and refusing to allow a partial payment of amount owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A.
State: NC

Complaint narrative:
1 ) On XXXX XXXX, 2016 I mailed my monthly mortgage payment to Citi Mortgage. I mistakenly sent {$3500.00} instead of the correct amount of {$3800.00}. 
2 ) Citi Mortgage cashed my check on XXXX XXXX, 2016. 
3 ) On XXXX XXXX, 2016 Citi Mortgage mailed a mortgage notice that stated " Our records indicate your mortgage payment is overdue and we have not received it ''. 
4 ) I was traveling out of state on business XX/XX/XXXX. 
5 ) I first opened and read the mortgage late notice and statement the evening of XXXX XXXX, 2016. On the statement it shows an amount due of {$7700.00}. this amount includes the XX/XX/XXXX and XX/XX/XXXX mortgage payments of {$3800.00} and a late fee of {$15.00}. THIS STATEMENT IS DECEPTIVE, CONFUSING, AND MISLEADING. Citi Mortgage had received and cashed my partial payment of {$3500.00}. 
6 ) XXXX XXXX, 2016 at XXXX XXXX. XXXX on I called the Citi Mortgage Customer Service Department. I was told the conversation was being recorded. The Customer Service Representative agreed to eliminate the {$110.00} late fee due to our perfect prior payment history. I was instructed to mail the {$300.00} XX/XX/XXXX balance and the XX/XX/XXXX payment of {$3800.00}. I offered to make the payment by credit card and they refused. I mailed the {$4100.00} payment and my on-line checking account record shows the check was deposited XXXX XXXX, 2016. 
7 ) Citi Mortgage mailed a Default Notice dated XXXX XXXX, 2016. I received and opened the Default Notice on XXXX XXXX, 2016. The notice states : " We have notified a credit bureau about a late payment, missed payment, or other default on your account ''. CITI MORTGAGE DAMAGED OUR CREDIT LESS THAN ONE DAY AFTER I LEARNED OF THE {$300.00} SHORT PAY AND AGREED WITH THEIR CUSTOMER SERVICE TO SETTLE THE MATTER. 
8 ) As instructed, I mailed a letter of complaint to Citi Mortgage with all of this information. Their XXXX XXXX, 2016 letter of reply refuses to change the status of our credit bureau report. My XXXX XXXX credit rating has gone from XXXX to XXXX. THIS IS UNFAIR AND UNETHICAL. 
9 ) I request the assistance of the CFPB to correct this situation and to help me clear my record.

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 2016-04-18 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: FMA Alliance, Ltd.
State: CA

Complaint narrative:
XXXX XXXX XXXX provided a credit card to a company XXXX. They state that the firm owes them some {$4000.00} and have turned the collection over to FMA Alliance, LTD of XXXX XXXX XXXX, XXXX, TX XXXX. Their file # for the issue is XXXX. 

FMA refuses to provide me a copy of the signed application for the original loan / credit card. The card was issued in the name of the company and therefore I suspect the application was signed as an XXXX of the firm. 

It is their desire, of course, to have me pay this amount personally. I was willing to do so and told them as much provided they could show me that I signed for the card personally as an individual. They show me nothing so either they do n't have it or it was signed as an XXXX of the firm and they do not want me to see it. 

Their " threat '' is that this will be turned over to the credit bureau 's and this would severely damage my credit report. 

My request is that you do whatever is necessary to get these people to stop calling and harassing me. 

I am a reasonable person and have never such a complaint in XXXX years of adult life. 

Please get these people to stop calling and requesting money from me. 

Their phone # is XXXX. On occasion I have spoken with managers at XXXX, extension XXXX. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
In XXXX, 2015 XXXX. After the XXXX, I was XXXX not quite myself. Somehow I overlooked a payment for my XXXX mortgage and paid it one day after the thirty day deadline. I am working very hard to maintain good credit so that I can refinance my home. However, PNC Bank, my XXXX mortgage, would not remove the delinquency from my credit report, even though this was a circumstance I could not help. I tried calling them twice and writing them twice as well, but they would not listen to my appeal. Please advise me of my options.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09 00:00:00
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My line of credit was called before term was up. Payment in full was demanded. I requested options. After 60 days I received a call offering a modification only to find the account was being reported delinquent on my credit. I never received bill or delinquency notification. When I logged into my account online it does not show delinquent either.

Company response to consumer: Closed
Consumer complaint received 2016-07-12 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
This a complaint is in regards to PNC Bank. I recently applied for a preapproval for Mortage. I have banked with PNC for over 11 years. The representative humiliated my girlfriend. He basically laughed at me and only offered me loan for {$80000.00}. I want to another bank was approved for {$110000.00}. I was told by the other loan company that I had to payoff a credit card. I went to pay it off and accidentally made a payment from the wrong account. I noticed the charge on the PNC account and on the same day I made an ATM deposit by XXXX. I was charged XXXX deposits fees for using a non-PNC ATM. I work for a bank and I 've never even heard of a deposit fee. The funds were held from my account for 4 business days. I was never informed or give any information regarding a hold of this type. I was charged XXXX {$36.00} overdraft fees. XXXX was even for a POS purchase the second day for {$0.00}. I have sent 4 emails to PNC in order to get some type of resolution to the issue. The last responses had the same generic email, which says to contact them. One of the options was to contact them via chat. I tried to speak to representative via chat named, XXXX, whojust gave me the runaround basically. XXXX could n't assist me, but he did n't even attempt to resolve the issue. I asked him if he had a supervisor and he did n't answer the question directly. After asking the question a second time, he said his supervisor was gone for the day. So there is customer service representative, who currently has no oversight. He wanted me to call the center, but I was told via the email I could have the issue resolved. XXXX was unwilling to contact a supervisor in the call center itself to review the issue. XXXX disconnected from the conversation before I could even look into another resolution. I am very dissatisfied and sad given all of these events. I used to refer people to PNC. I guess things have changed. The best I can do is issue this complaint, so others do n't have to go through the same issue.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-17 00:00:00
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I intended to buy a home with a mortgage in 2007. Seller misrepresented, forged documents, and committed a bait-and-switch. I was stuck with a manufactured home with what appears to be an installment loan instead. As a XXXX buyer, I feel especially targeted. Both parties were informed but no cooperation or correction transpired. When I became unemployed and XXXX, my income shrank. I proactively obtained a Chapter XXXX Bankruptcy while all bill payments were current and never missed. This was successful. I also proactively attempted to get a loan modification before any problems would occur. Instead of helping, the bank rejected XXXX attempts, committed errors, failed to communicate effectively, and ultimately charged off the account. Even an attorney attempted to intervene to no avail, which caused me more financial harm. Furthermore, some payments were not credited. After two years of zero communication, the lender is now threatening to " repossess '' my home! At this moment, no detailed letter has been received. My trust is less than broken. Due to the dishonest transaction, I could become homeless in a matter of days ( unlike a foreclosure or eviction process ). I would have walked away from the house if I had a place to go.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: DE

Complaint narrative:
I was offered an upgrade account at PNC. The representative suggested the virtual performance account at no cost. I never received any monthly fees until XX/XX/XXXX16. I spoke to XXXX XXXX from the XXXX call center about the charge to my account. She became very rude telling me there are no free accounts at PNC. She also refused to waive the fee despite the evidence showing, I had never been charged before! She refused me an opportunity to speak to supervisor. The entire experience was not productive and just poor customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I sent a letter to a bank where I had a checking account. I had moved and wanted to close the account and have them send me the funds. Instead of sending them to my new address, they sent them to my old address. Now they are unwilling to reissue another check.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: SC

Complaint narrative:
I have applied to PNC to re-do my loan mod as it adjusted and I can not afford the payment. I originally faxed it and they said they did not get it, however, i had fax status. I then faxed and overnight mail, they still said they did not get and asked again. I have been sending things each time and they waut until after the due date and send me letter saying the did not get. they now sent me to foreclosure atty and I called them. they now say since its past the XXXX of XXXX i need to send tax returns for 2014. I called again and got a girl on phone and she was very rude and made me feel like trash for needing help. She compared my cell bill to hers saying mine should not be what it is because hers was not that much and I should be able to pay as I make good money and she told me how to manage my money and so on. My mtg pmt takes up XXXX whole check and I only get XXXX per month. Sometimes it takes more than XXXX check. They keep giving me the run around meanwhile I am getting ready to get foreclosure papers served on me and I ma doing everything they tell me to do. Each time I call i get a different person telling me different things and I really need help. I am in hopes that you guys will be able to help me. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE
State: CA

Complaint narrative:
I sent a letter to LenderLive requesting cancellation of my private mortgage insurance under the terms of the Homeowners Protection Act. I have reached my XXXX % LTV. LenderLive 's service rep confirmed on XX/XX/XXXX that they receive the letter on XX/XX/XXXX. They said they had 30-60 days to respond. It is now XX/XX/XXXX, the 60-day window has passed, and LenderLive has not responded to my request. What is my recourse?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: TX

Complaint narrative:
My mortgage company did not know what my payment was supposed to be every month because they did not perform an annual audit on my escrow account. XXXX month my payment was {$730.00} and some change and the next thing I knew it was {$980.00} and some change. I sent my payment on time and they refused to post the payment because of the escrow shortage and it took them over 4 months to start an audit and then another 4 months to get to the correct payment amount. Then they destroyed my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14 00:00:00
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
Tuesday, XXXX XXXX, 2016 Dear Consumer Financial Protection Bureau : I must file a complaint against my bank PNC. The bank has dug up my records and called my mother tonight at XXXX EST regarding my credit card. I know that I have rights and one of them is to not to involve my family. I have never provided PNC with my mother 's phone number because we live in different states. This is intentional way of scaring me and bullying. Moreover, I experienced fraud in XXXX 2016 with PNC and filed a previous CFPB complaint. Here is the case number : XXXX. PNC knew about my bank fraud situation because on XXXX XXXX, I filed a fraud complaint with PNC. Obviously, this is intimidation. This has just happened tonight. I will provide more information if and once it becomes available to me. 
CFPB can contact me at either my email or my phone. My phone is XXXX. My email is XXXX. Thanks. 
Sincerely, XXXX XXXX

Company response to consumer: Closed
Consumer complaint received 2015-09-12 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
State: VA

Complaint narrative:
I am in XXXX army XXXX and I have dropped XXXX classes of XXXX University XXXX thru the XXXX Portal XXXX. In this case, The XXXX University XXXX XXXX XXXX shall get paid for the 75 %. XXXX can not collect the full amount because I droped the class before the deadline. But after XXXX took the 75 % which is {$1100.00}. XXXX tried to collect addition {$370.00} from me personally. This was wrong claim because I have drop the class at its 75 % point. Now XXXX is using a company called Reliant Capital Solution ( RCS XXXX to get {$480.00} from me. RCS wanted this to be paid by XXXX XXXX 2015 with fees and interest. The claim is wrongful because I have dropped the class at its 75 % point. The fees and interest % is also so high that is over the Service Member Relief Act. Please help a solider in this wrongful claim and harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-02 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation
State: NC

Complaint narrative:
On XXXX XXXX, 2016 XXXX am, XXXX and Bridgecrest Acceptance caused a third party to remove the car I have financed with them from my property even though the account was current and in good standing. The company claims that because my first payment was delinquent, they have the right to repossess. Their claim is that I was in default of the finance contract. However, the formerly delinquent payment had been made on XXXX XXXX, a full week prior, along with any late and transaction fees when the company took the property ( car ) from my possession. 
It should be noted that I had been in contact with Bridgecrest ( XXXX ) with some regularaty as to the reason for the late payment. My view is that the company violated the contract we had and that they violated the law by removing the car from my property. 
Conversations with the redemption department have come to no acceptable resolution. I informed personnel that I would file a civil action against the CEO XXXX XXXX XXXX and president XXXX XXXX in order to have the court review the contract performance by both parties. Again, this suggestion resulted in no favorable outcome for me. The company has not indicated what action they will take next. I am left to assume they will proceed with typical repossession actions. The company stated they would be " unwinding '' the loan but that I would not receive my down payment or subsequent payment ( s ).

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 2016-12-20 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: PNC Bank N.A.
State: AZ

Complaint narrative:
I am on a home loan of a home that I have not lived in since XXXX XXXX 2010. 
After my divorce which I am not liable for any loans taxes fees after the dissolution. 
PNC mortgage currently did a remodification on this property I was not a signer on this Nor do I live in this house. 
PNC Morgage based out of XXXX Ohio XXXX Loan # XXXX XXXX they refuse to take me off this loan all these years, I have had enough. 
This loan which is currently destroying my credit as XXXX XXXX has not paid his lease The past 2 months and still lives there .I also get harressed with phone calls from creditors as a result and it is Hendering me from success in many areas of my life. 
Please help me. 
Thank you, XXXX # XXXX is my personal call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-25 00:00:00
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: WA

Complaint narrative:
I have an IRA with PNC Bank which has been in existence for about 10 years now. The only contact I get from them is a semi-yearly certificate maturation where the only information disclosed is the current balance. It turns out that they have been taking a {$25.00} annual fee out of my balance but I have never seen a receipt or an itemized transaction list. These fees are also not included in the account agreement they send with the CD renewal. In other words, these fees were never disclosed.

Company response to consumer: Closed