vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-01-27 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Called after sent written cease of comm
Company: Tower Loan of Mississippi, Inc.
State: MS

Complaint narrative:
The collector was notified in writing to discontinue contact at the phone number provided above. I have since received calls at this number. Also, a garnishment has been granted, but not begun at this time ( I received notice from my employer in writing ), yet the collector still calls me both on my job & cell. I spoke with an account manager on XX/XX/2017 & he is aware of the garnishment, yet I received 2 calls ( work & cell ) on XX/XX/2017 from the company. I have attached a copy of the written notice to cease communications at the above number. There was also a check attached where a payment was made at the time that the letter was issued to the company. They processed the check ; therefore I know the letter was received.

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 2016-08-11 00:00:00
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: COLLECTION ASSOCIATES, LTD.
State: WI

Complaint narrative:
The dept that they are claiming sould have been covered under my bankruptcy in 2010, but has been on my report sense. I would like it to be removed from my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Alliance One, Inc.
State: OR

Complaint narrative:
Received a notice dated XXXX/XXXX/XXXX from XXXX XXXX and XXXX XXXX that they were transitioning customer service to a third party, Alliance-One effective XXXX/XXXX/XXXX, and customers would not be able to receive any information from XXXX ( their transition " blackout '' period ). They issued a check during this blackout period which we received too late to contact them as they disconnected their customer service phone lines and are referring all questions to Alliance-One. This check is unusual, because the annual distribution for this annuity is usually made in XXXX ( XXXX was received in XXXX XXXX ). Alliance-One has inadequate phone support available ( was on hold for 30 minutes on XXXX call and over 25 minutes on a second call ), no online customer service available, and refuses to answer questions until next week, saying they sent out a notice regarding their " blackout '' period ( supposedly XXXX/XXXX/XXXX - XXXX/XXXX/XXXX ). We never received any such letter. XXXX has a track record of issuing payments to us without being requested. They are trying to get rid of their annuity contracts or reduce their value because the minimum interest rate promised is too high in today 's environment. They know the holders of most of their annuity contracts are elderly and are less likely to challenge or question distributions made.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03 00:00:00
Product: Prepaid card — General purpose card
Issue: Fees — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
My {$50.00} card expired on XXXX. I found your website and learned that funds remain for up to 5 yrs after the expiration date and fees may not be applied to transfer or return as a check. PNC says that it 's use it or loose it. I have tried to get this resolved but keep getting transferred to someone else. I was able to go online and see that {$32.00} was withdrawn on XXXX as Close Account administrative Adjustment and that today $ XXXX was withdrawn as a transfer fee. This must have been when I called about transferring the balance but a balance was never transferred. This card should still have {$50.00} on it since it has not been used.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
I incurred XXXX overdraft fees between XXXX & XXXX. I feel these are not warranted because of how transactions posted. These fees continued simply because my account had already been overdrafted and more transactions were on their way to posting. When calling PNC, I was hung up on by XXXX person and was given misleading information by several others. Even after depositing funds to satisfy the current overdrafts, I called PNC and was n't made aware that more fees were to come for transactions that I had assumed were posted. Because of the available balances provided on my XXXX App by PNC and also PNC Atm receipts. Staff persons have condescending with me in most cases regarding my valid complaint and inquiry for additional information regarding my finances and my account. I 've filed XXXX complaints which I am waiting to hear back on. I asked about consumer rights/customer rights/ grievance policy in which the individual I spoke with had difficult divulging that information to me. I 've had an account with PNC since 1997. This year I 've had the most incidents with this bank then I ever have. No one is on XXXX accord resulting in the consumers ( in this case Me ) being misinformed results in the bank simply taking my money without transparent and legitimate explanation from individuals tasked with representing the organization. I believe the information accounting process needs to be reviewed for PNC bank and also the guidelines for over-drafting which comes with opting in. An option that I had no knowledge of for the first few years of my XXXX account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: BMW Financial Services NA, LLC
State: NC

Complaint narrative:
I own a XXXX BMW X5 with VIN XXXX. The vehicle was purchased in XX/XX/XXXX and was financed by BMW Financial Services. Recently I made an inquiry to the lender to payoff the balance and possibly transfer the car to a family member. However, according BMW Financial Services, they will not be releasing the title to me upon receiving payoff, due to outstanding ( unfinished ) recall. Upon further discussion with the manufacture and dealer, I was told that, although the recall notice was sent to me in XX/XX/XXXX, about a year ago, the dealership can not complete the repair due to parts shortage. Furthermore, I was informed by BMW today that the soonest I can receive the parts is XXXX, another 6-7 months from now. The reason for the lender 's refusal to release title was referred to NHTSA 's Stop Sells order related to the recall. However, I can not find any information from NHTSA that prevents the lender to release clean title. It is NOT a sale, simply a loan pay-off. 

I feel it is unreasonable for a lender to withhold title even after receiving full payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23 00:00:00
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Direct Recovery Services, LLC
State: IL

Complaint narrative:
I have recently started to receive phone calls from a company that identifies as Direct Recovery Services calling from XXXX this week. When I answer it is a recording and threatening to take action by XXXX if they do not hear from me. I was contacted today by my husband, mother and ex-husband that they all also received same call asking for me. I have attempted to contact company but they hang up on me and threaten to sue. I have yet to hear what they are attempting to collect. Sounds like a scam to me.

Company response to consumer: Closed
Consumer complaint received 2015-12-02 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ocwen Financial Corporation
State: MI

Complaint narrative:
OCWEN finiacial services XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX ID ( OCD ) My house was foreclosed XXXX XXXX 2015. WHICH I should have enter the six month redemption period. Ocwen has ignored the redemption laws/rules will not allow me to participate in the redemption of my home. THE Customer rep is a call center is from a in XXXX who is reading off his screen. OCWEN does not have a foreclosure departtment. And it 's website is down which prevents anyone to lodging a compliant. The customer rep told me I could not redeem my home period with no reasoning to why not. He then told me to go XXXX a home seller website which does n't list my home. What he told me over the phone originally that the refrence number was a customer care rep of OCWEN instead it was XXXX. 
I ca n't reach a single person in the company to discuss the matter. I have not received a single letter since the forclosed sale. I 'm only asking that OCWEN allow me my right to redeem my home at fair market value. And to woefully allow me to actively participate in my redeption period. MY LOAN NUMBER IS XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
Overlooking my financial info and predatory lending practice against elders. Modifications mistakes and delays.

Company response to consumer: Closed
Consumer complaint received 2016-11-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: VA

Complaint narrative:
My bank is PNC in Virginia. Back in XXXX I had fraud activity so I went immediately to the bank closed that account and opened a new one. I was assured several times from the bank manager once the account has refunded my money the account would be closed. I have a loan which I was also assured was moved to the new account. None of that was done. I have had overdraft fees and late fees do to all this. Most recently for some reason the loan withdraws out the account that was supposed to be closed months ago. I called the branch and left several messaged for the the manager to call me back. She never did. I went to another branch and spoke to manager there that said everything was taken care of which it was. Now a week later money was taken out of my account that I am now fighting to get back. I called early this week and I was assured my money would be refunded. It has yet happened. I call again speak to someone else and I 'm hearing from this person nothing was done earlier this week. I have currently a personal loan and car loan. I will be refinancing my house in order to pay these loans and will be closing my account with PNC.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04 00:00:00
Product: Credit card — 
Issue: Rewards — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
This complaint is against PNC bank ( XXXX ) and visa checkout ( XXXX ). Not sure who is responsible for the problem. A visa checkout offer of {$10.00} statement credit appeared on PNC bank website in early XXXX 2016. The offer was if you spent {$10.00} or more and use the visa checkout when checking out you will get statement credit of XXXX The original offer is no longer on PNC website but I got the information from internet. 
See attachment PNC Bank and Visa Checkout {$10.00} Credit Offer. 
XXXX XXXX I have called PNC bank and Visa checkout several times but going around in circles.. After calling PNC bank they told me that though the offer was on their website but the offer was from XXXX Checkout and they are responsible for the credit. Then I called visa checkout and they told me to wait for 90 days after the offer expired which was XXXX XXXX, 2016. When I called them in early XXXX nothing happened and they told me they will look into it. When I called again a few days later they told me to contact PNC bank again since it was on their website. It has been going in circles for almost 4 months and there is no statement credit so far. PNC Bank telling me to call Visa Checkout and Visa Checkout telling me to call PNC Bank. 
There are following additional attachments ( Documents ) in support of the complaint : 1. Visa Enrollment-XXXX ( PNC Bank credit card XXXX enrolled for Visa Checkout ) 2. XXXX ( Enrolled card used using XXXX XXXX XXXX for {$13.00} ) 3. PNC Bank Statement-XXXX ( showing amount of {$13.00} )

Company response to consumer: Closed
Consumer complaint received 2015-03-19 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 signed up for a PNC account on XXXX XXXX 2014. The promotion was for {$200.00} if I had a direct deposit of at least 700 dollars and XXXX bill pays per month. I signed up for the bill pay and the direct deposit. Prior to signing up i called customer service a few time to confirm the promotion. I was told that I should be set up and the promotion should pay in XXXX. I followed up at the begining of this month only to learn from an associate that the account is set up on a promotion to receive a 200 dollar credit for a 2,000 dollar monthly direct deposit. That is not the information that I received on the promotion. Nor is it what i was it the information that I received from the customer service representatives that I talked to. I did everything that was asked of me, and they changed the rules. I spoke to a supervisor and she told me that she cant pull the phone calls because the conversation was too long ago, she asked that I provide the link that I received the promo offer for. Unfortunatly, I no longer have the link ... 5 months later it is hardly likely that I still have the link that I went to to sign up. Its unfair to trick me into getting an account that charges me 15 dollars per month and not receive what was promised to me. I just want the credit that was promised to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC
State: CA

Complaint narrative:
Stearns Lending assumed my home mortgage from XXXX in XXXX 2013. We added Stearns to our condo insurance policy as an additional insured at that time. Subsequently Stearns notified us that we did not have coverage and would provide hazard insurance for our property. We replied to their correspondence with proof of insurance coverage and Stearns replied that their hazard insurance had been canceled but that due to a lapse in our coverage we were charged {$34.00} and an impound account was initiated. We have never had a lapse in coverage on our property. There has been a continuous policy in place first with XXXX and then with XXXX XXXX. There has been no lapse. 
We have continued paying our mortgage on time with full principle and interest payments. We do not believe we should be charged for the {$34.00} premium or the escrow account. Stearns has now charged us late fees and submits us to a barrage of harassing " collections '' calls. I have invested much time and aggravation in attempting to clear up this matter dealing with a very difficult customer service organization at Stearns. I would like this matter resolved and my account statements corrected. Recently Stearns mailed me a check for {$150.00} with no explanation. Since I am clear that I have made the appropriate payments I will not cash this check, but do expect Stearns to correct my account statements to remove all charges for insurance and escrow withholds, which I neither need nor want.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16 00:00:00
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I maintained an individual bank account with PNC bank with their virtual wallet account, which consists of XXXX separate accounts, I asked earlier that the entire " wallet '' be CLOSED, and any balances be transferred to my joint wallet account with my husband, The bank confirmed the closing and the transfer, Somehow, the bank imposed a XXXX fee on the closed account, and I have received XXXX letters, copy of XXXX attached, insisting I am OVERDRAWN and that action will be taken if I do not settle the overdrawn account? I contacted the bank, and was advised it was an error and that they had not closed the account properly, Yet I still receive these threatening letters, I am therefore filing a formal complaint regarding a debt I do not owe, and never owed, I expect the bank to issue a formal letter to me stating there is no debt, and also stating that any negative information sent to any of the XXXX major credit bureaus and to any other credit reporting services has been removed, and I want confirmation from those bureaus that such action was taken, The bank should be sanctioned for issuing this letter in the XXXX place, and not voluntarily issuing a correction letter when it recognized its error, Please advise action taken, ( most recent letter attached to this complaint

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10 00:00:00
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC.
State: IN

Complaint narrative:
Navient failed me completely as a loan servicing company. I have worked in public service for 10 years and while making barely XXXX/yr they asked me to pay $ XXXX/mo which was impossible. I have recently noticed the CFPB is suing Navient for similar issues. I was recently made aware of all the options Navient denied me and refinanced under the PSFL program and am successfully paying my loans now. I would like to provide proof of 10 years of public service employment and have Navient cover the remaining balance of the loans as I feel they have illegally cheated me out of my rightful repayment options and placed unnecessary XXXX and hardship on me all these years. Navient had cheated and scammed so many young Americans and denied them their rights, and this can not be allowed. These loans were for both XXXX XXXX and University XXXX. They were public federal loans guaranteed by the government.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14 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:
I had an account back in 2015 that i used to cash checks. One day I learned that they manually canceled a check i wrote online to the copyright office without my consent so I immediately closed the account for that was a very personal act. A few months later I went into a location on the better side of town to discover it was never closed. I went through the closing process a second time after informing XXXX location what occurred. I later went into another location where the teller began to act funny when i told her my issue. This was the location near the university i attended. I believe it is a network of university students doing this to other students they observe on campus for politically motivated reasons.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-09 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
My husband and I live in XXXX, XXXX, in a single family home. We are seeking a Home Equity Line of Credit ( HELOC ) from PNC for several home improvement projects. We started the application process with PNC in XX/XX/XXXX. Today is XXXX XXXX. PNC requires a full home appraisal, and I met the appraiser at our home almost three weeks ago on Monday, XXXX XXXX. The appraiser has yet to provide the appraisal report to PNC. According to PNC, he is having " computer issues ''. 
We have asked our PNC representative, through four different messages, to let us know when we will receive a copy of the appraisal and when our application will be decisioned. PNC does not know and tells us that the issue has been escalated to a supervisor. We asked that the appraisal order be cancelled and a new one opened, twice, and received no response. We asked that the delay be further escalated as an issue. No response. 
We understand the importance of the appraisal report so that PNC can render a credit decision on our loan application. We have outstanding credit and have provided all information requested by PNC in a timely manner. In return, we ask for assistance in either obtaining the appraisal that was already completed or ordering a new one as soon as possible. Waiting three weeks for an appraisal report to be completed is unacceptable, and the lack of feedback and support from PNC is deplorable. I have worked in the lending industry for a decade, and I am ashamed that this is the service that hard-working Americans are receiving from big banks. We feel bullied. The bank has all of the power - and all of our confidential personal information - and we no longer trust them to have our best interests in mind. 
The lending industry has come a long way, but the journey to restoring the trust among big lenders and the American people has XXXX steps left in it. Let 's start by guaranteeing that every American seeking an asset-based loan can obtain an honest, relevant, thorough, fact-based appraisal report within 10 days of when the order is placed. If the order is not completed, the appraiser should receive penalty points, and the lender must order a new appraisal immediately. 
If an appraiser accrues a certain amount of penalty points, s/he should lose their designation as an appraiser and be barred from working in the field.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-16 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Stearns Ventures, LLC
State: FL

Complaint narrative:
XXXX XXXX applied for a refinance of her mortgage on the property located at XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX will be XXXX years old on XXXX XXXX, XXXX and has a credit score of XXXX and received an approval notice of her loan from Stearns Lending LLC Loan # : XXXX with an expiration date of XXXX XXXX, XXXX. Although XXXX XXXX fulfilled ALL conditions of the loan approval, Stearns Lending LLC reversed their approval because XXXX told them that the loan did not confirm to their standards. We obtained prior approval from Sterns to exclude the HOA fees from the loan qualifications and that was not a condition of the loan approval. XXXX XXXX ( XXXX daughter ) provided proof that she paid all condo fees for the unit from the date of purchase in XXXX XXXX to present and provided bank statements and canceled checks proving this issue as well as an affidavit from the Condo association. Sterns has committed a violation of their approval and has engaged in age discrimination by refusing to honor their approval of the loan to a valid applicant because she is XXXX years old.

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