vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2017-03-15 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Bridgecrest Acceptance Corporation
State: DE

Complaint narrative:
I was 13 days late on a car payment, the company reprocessed my vehicle without any notification.

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 2017-02-02 00:00:00
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Submitted in a timely manner a billing dispute online directly with PNC Bank. Reference number for dispute is XXXX, was sent a " debit card transaction dispute form '' for the dispute in the amount of {$57.00}. The form was completed and faxed to the above mentioned bank on XXXX/XXXX/17 ( all proof attached, including the fax transmission form ). Of course, the incompetent staff at this bank either lost, shredded, thrown away my documents. The bank sends another of the same form to me dated XXXX/XXXX/17, they already had my fully completed information for 3 days!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-22 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC
State: FL

Complaint narrative:
After my auto was totaled, my insurance company paid it 's portion. For the difference, I submitted a claim to my GAP insurance company. It has now been five months and the claim remains unpaid. In the meantime, BMW has reported me to the credit bureau for the difference which remains outstanding.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27 00:00:00
Product: Credit card — 
Issue: Balance transfer — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
Dear CFPB, Last month I applied for a balance transfer with PNC Bank. I asked the customer services representative would there be any interest that I would be responsible for and they explained to me no. I sucessfully completed the balance transfer. This month I received a fee of interest for using my card. I called and was told that any " future purchases '' I made with my credit card that I would be responsible for the fee. Not only did the customer service representative not seem to care, she did n't even assist to escalate. I contacted the PNC escalation area who said they would research this and they never called me back. I feel as though I was baited and switched and the bank does not care. All they are concerned about is making fees off customers and putting it in their pocket. I want the fee removed from my credit card account and returned to me. Any assistance in escalating this matter CFPB it would be appreciated since no one will return my calls as promised.

Company response to consumer: Closed
Consumer complaint received 2017-02-07 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: JPMORGAN CHASE & CO.
State: OK

Complaint narrative:
My daughter and me went to XXXX to go to the XXXX. I have a credit card with Chase bank with a credit limit of {$20000.00}. Plenty of available credit for the task. When we got there we tried to buy tickets at auction online. We had several good opportunities to buy tickets at a good price but my credit card kept declining. After a number of attempts I finally called Chase and they said they declined the purchases because of " fraud ''. There was no fraud. I have always paid my bills on time. As a result of this egregious violation of the implied customer contract we lost several purchase opportunities and ended up paying over {$1000.00} more for tickets than we would have if Chase honored their promise to me their customer. God help me if I were to refuse to pay them for no reason. They should be fined for this blatant dishonoring of the promised service they sell to customers. Given the usurious interest rates they charge one would think fraud prevention would be their problem to solve and not burdened on the backs of unsuspecting customers. Their behavior is criminally abusive

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: DC

Complaint narrative:
My banking institution, PNC Bank, initiated a debit memo from XXXX account ( herein referred to as " Acct XXXX '' ) in order to fund my other account ( herein referred to as " Acct XXXX '' ) in order to bring Acct XXXX closer to a positive balance. In that process, PNC Bank caused Acct XXXX to go into overdraft for other transactions and charged XXXX overdraft fees. Now XXXX accounts have negative balances. I believe that this practice is unjust. I am attaching screenshots of Acct XXXX and Acct XXXX showing ( XXXX ) the debit memo, posted transactions and overdraft fees in Acct XXXX and ( XXXX ) the debit memo credit posted on Acct XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-29 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
I had XXXX HELC loans with XXXX XXXX that were sold to PNC Bank XXXX account XXXX was coming up for renewal XX/XX/XXXX, XX/XX/XXXX I received an offer to convert XXXX to a 30 Year Fixed rate at the rate of 4.74,. which I did and started making the new payments as of XX/XX/XXXX. The other XXXX loan ending in XXXX which was coming due XX/XX/XXXX I was not offered the same program, when I questioned PNC, I was told verbally that my payment history was not sufficient, never late and I am the same borrower that PNC converted the other HELO loan to a 30 year fixed. I was told that I could apply for a modification or refinance. Modification was out of the question, I have excellent credit and in PNC paperwork they state that a modification may effect my credit. I got my new payment for XXXX due XX/XX/XXXX {$960.00} ( {$540.00} ) more than my old payment, 20 year ammorization @ 6 % interest. I was not disclosed as to a rate or term prior to my receiving a bill. I asked at the branch and I was told that I received letters in regards to my payments, I did, but never what my rate was going to be, never what the treasury bill that determine the rate was, just here is the amount, pay it. I feel that I was not properly disclosed, I had requested by email and in a verbal conversation for PNC to sent me copies of the last XXXX disclosures they sent me. To resolve this I am requesting that PNC give me the same terms on the XXXX loan that they gave me on the XXXX loan. Thanking you in advance, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31 00:00:00
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: STONEGATE MORTGAGE CORPORATION
State: OH

Complaint narrative:
In 2014 i was laid off work and have still not found full time work. I have been trying to get an many hours on as needed bases. Still not able to make ends meet my husband was in a accident in XXXX XXXX and off work XXXX mths. We really fell behind. Discussed with Stongate mortgage our situation and inability to make payments. They recommend we fill out a borrower assistance form. I did XXXX in XXXX of 2014 and I was told I had to send another XXXX cause the XXXX XXXX expired. The XXXX XXXX sent XXXX XXXX. I sent a hardship letter, expense form, pay stubs ( multiple times ), and bank stamens ( multiple times ). Every time I call them I ca n't get any information. Now they tell me I 'm in foreclosure after I have sent all these papers in. They tell me that someone has tried to contact me but I have no voice mails from them. This has been going on for about a year and no resolution. Please Help.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-06 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: C B Merchant Services
State: CA

Complaint narrative:
CB Merchants of XXXX XXXX California was contacted by XXXX XXXX, me, to ask about an " advertising '' debt that I wanted to pay. It was at this time that they said I had a debt with XXXX. I was surprised to find out that the account had been there since XX/XX/XXXX. I was not aware of the account. They never contacted me prior " me calling them. '' They also have an ex-wife 's name on the account who has not been associated in anyway with me financially sine XX/XX/XXXX. They were rude and have not provided me with an accounting. XXXX has not provided me with an accounting either even though I made payments to them and provided them with amounts, dates and check numbers. This is extortion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17 00:00:00
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: CA

Complaint narrative:
Thought I opened a regular checking account with PNC Bank, included a deposit of {$2000.00} that occurred on Saturday, XX/XX/2016. However, I was unable to access the account, so I called customer support on Monday XX/XX/2016. I am unable to access my account or the funds without a " signature card '', which I 'm told is a piece of paper I have to physically sign ( note that, as far as I can tell, this card is not a method of payment, but rather solely used to contain a signature. I asked why, and was told the card is used to verify my information. I asked, do you not already have my social security number, driver 's license, and {$2000.00} deposit? I was told that, for some reason, a physical card with my signature was necessary. I was also told the card takes 3-5 business days to receive. However, I have not received any such card. I then tried to close my account over the phone and have my funds returned to my issuing account. They also said this would be impossible without the " signature card ''. Is this not a violation of FDIC laws? The deposit was less than {$5000.00}, meaning there 's no reasonable expectation for the bank to issue a hold for this period of time. Phone representative : XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I have a car loan with PNC bank. In XXXX of 2014 I sent a payment of {$250.00} in the form of a money order. PNC bank lost my payment. After that mishap I began to submit. my payments online, via bill payment. Now this month I submitted a payment of {$300.00}, online as before, they will not release the money to my account. I have proof that I sent the payment and PNC bank still refuses to accept the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Credit Connection LLC
State: NE

Complaint narrative:
Hi, I am looking for some help or answers. I have a car with local finance company. I have had car for about 2 years. XX/XX/2015, I had to go though XXXX and a XXXX in XXXX and still recovering. Unfortunately since ca n't work I have fallen behind on loan. The company has now again for the third time called my parents no I am not a minor, they have called and told my parents directly that I am behind on loan, amongst other private information. Today they again called my parents BEFORE calling me even first today ... my mom called me and said they had called her telling her I was xx amount of days late, that I did not have valid insurance, and they were coming to repo the car today or tomorrow. I am very upset yet again they have called my parents and revealed personal information. What can I do here ... .anything??

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 2016-11-16 00:00:00
Product: Money transfers — Domestic (US) money transfer
Issue: Money was not available when promised — 
Company: Paypal Holdings, Inc
State: TX

Complaint narrative:
I have XXXX small business accounts with XXXX. On XXXX of the accounts I utilize PayPal as my merchant service account. I have experienced inconsistent issuance of credit of deposits on my XXXX account. For example : I transferred money from PayPal on XX/XX/2016 and it was updated as completed on XX/XX/2016 at XXXX. Several hours later and at the time of this email, I 've yet to get credited for the deposit by XXXX. My first concern is that the deposit is being used by one or both of the institutions to skim money for themselves. My second concern, is that the money is intentionally held because I have pending auto transactions attached to the XXXX account. By with holding the deposit I will be assessed late fees for the insufficient balance when the auto transactions come due. The deposits are credited at different times and dates with no rhyme or reason. This leads me to think that XXXX is engaged in fraud. Along with the knowledge that XXXX has been assessed millions in fines for fraudulent banking practices recently by setting up bogus accounts and loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: Pan Am Collections, Inc.
State: IL

Complaint narrative:
This debt collection want me to pay for a house The i didnt lve there after XX/XX/XXXX i rent this home and my lease i Was over and XX/XX/2015 and i didnt sing another lease and i mover out and They want me to pay The rent on to They rent The house again when i Was not living and that house.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17 00:00:00
Product: Credit card — 
Issue: Transaction issue — 
Company: U.S. BANCORP
State: OH

Complaint narrative:
I was contacted by XXXX back in XX/XX/XXXX and I paid them {$2000.00} with my US Bank credit card, apparently for their " Business Concierge '' package. It was my understanding that they were going to increase my online presence by managing my online reputation, therefore increase my SALES. Well it has now been a while, the reason why I am writing to your agency is because they promised me in writing my refund on XX/XX/XXXX and they are not complying with their word, I called them several times and no word from them. They are being dishonest and I need your help with that. I am attaching the refund and harmless form that I signed to this complaint.

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 2016-11-09 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Alliance One, Inc.
State: NY

Complaint narrative:
Received a correspondence on XXXX/XXXX/XXXX from collection agency on a red light camera ticket from XXXX, apparently issued by XXXX County, NY. They can provide no information regarding the debt, including payments already made. When I called to inquire, the responded that they did an audit and found accounts that still owed fees. I expressed my concern that they could n't provide any information regarding payments I made in XXXX, and that this occurred almost three years ago. In addition, when i indicated that I would speak directly to XXXX County the ticketing entity, she replied they wo n't help you, they will just send you back to us, but go ahead and call them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-11 00:00:00
Product: Credit card — 
Issue: Credit determination — 
Company: JPMORGAN CHASE & CO.
State: MI

Complaint narrative:
I received an email offer for pre-approved credit card from CHASE Bank, i finished & submitted the application to CHASE and received a confirmation email states the following : From : " chase.applicationreceipt XXXX Date : XXXX XXXX, 2015 XXXXSubject : Thank you for your applicationThank you for submitting a credit card application to Chase. 
Here 's what you can expect next : We 'll let you know of our decision through U.S. mail within the next 30 days. Please do n't resubmit this application while waiting for our decision. 
If we approve your application, we 'll send your card and other important information to you by U.S mail. Once you receive your card, call the number on the sticker right away so you can take advantage of everything your card has to offer. 
If we do n't approve your application, we 'll send you a letter explaining why. 
Thank you for applying for a Chase credit card====================================================================Until today i have n't received any response or reply from CHASE, I called chase bank 2 weeks after receiving this email and was informed that i will receive a letter soon from them, then nothing came in the mail, i called again and requested the letter, the agent offered to read the letter for me, i asked him to fax it or mail it. Chase representative had no reason why to deny my application since i have perfect XXXX score & low DEBT/Income ratio. 
I still have n't received a decision on this application and it is has been more than 70 days. and my Refinance is about to fall apart because of CHASE. 
if i do n't submit these documents to my refinancing bank, i might lose refinance. 
===========================================================Response disputedRESPONSE Chase Bank Credit Card said : Explanation of closureWhen a credit card application is declined, we send a letter explaining the reasons why. I have enclosed a copy of our letter dated XXXX XXXX, 2015. The letter advises the reason for the decline is a " Previous unsatisfactory relationship with us or XXXX our affiliates. '' We apologize for the inconvenience, but we can not give a more specific reason. 
Comment : CHASE never sent me any letter on XXXX/XXXX/2015 because when I called on XXXX/XXXX/2015 I was told that no decision was made yet on the application HOWEVER I would like that letter to loaded to CFPB reply. 
ResponseWhen we were notified of this case, we sent you a letter letting you know we received it. Although we began researching your concerns right away, we need more time to complete it. Please expect a letter from us when we have an answer. Thank you for your patience. 
COMMENT : this is a lie you never sent me any letter in this REGARD, but I 'm entitled under FAIT ACT to receive the decision in writing, I WANT THAT POSTED HERE.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
On XX/XX/2016 I put check in the my checking account the check was issue to my brother at the time and in was from prudential company. I used the ATM to put the check in I know he was not on the account that not the problem. Couple of days later I get the check back in the mail but it was not the original check it was copy of it. I have made phone calls and wrote letters asking why did the original check was destroyed. PNC destroyed a XXXX dollar check that the person who was not a PNC Bank customer. I would to know from them why they did that and not give the original check. I have been on the with customer service and went to the PNC with no answers. I would like copy of there policy about destroyed XXXX dollar check. The check was deposits in the account and withdrawal on the sameday.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16 00:00:00
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: FORD MOTOR CREDIT CO.
State: CA

Complaint narrative:
When recently purchasing a new XXXX vehicle, I went online to the Ford website and got pre-approved for their financing. The website directed me to print out my pre-approval and take it to the dealership when purchasing the vehicle. When I went to the dealership, I gave them my pre-approval. They made me fill out a whole new credit application even though I questioned why I was being asked all the same questions I had answered online on the Ford website to obtain approval already. They said that they did not have access to that information, even though the Ford site said that the dealership would be able to look up my information and provided a reference number for them to use to access my pre-approval. I believe the dealership ran my credit again unnecessarily.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: Paypal Holdings, Inc
State: NJ

Complaint narrative:
Paypal resists providing credit for items ordered but not received. I ordered a particular XXXX XXXX but did not receive it ; instead another kind that I did not order was sent to me. This was an internet sale and the seller did not provide an address or telephone number. It is not clear where the business ( XXXX XXXX and XXXX ) is located. Possibly, it is not in the U.S. The only way to contact the seller was through email ( XXXXXXXXXXXX ) but they did not respond to the email I sent about this. Thus, I had to get the refund from Paypal itself. Paypal subjects people to very long wait times. After you reach the first person, you are transferred to their " dispute '' section. However, in fact, you are simply transferred to a bunch of recorded garbage, most of which tries to get you to use their website. 

I had to wait another 5 minutes to get the dispute department. When someone answered the phone with a heavy foreign accent that made it difficult to understand what was being said, I gathered that they would contact the secret seller that ensures that its customers can not contact them directly. I reiterated my request that I be refunded the amount of the product, a small tree, for {$21.00} plus half of the shipping cost, {$6.00}, for a total of {$28.00}. It is not clear if or when the credit will be granted. 

The receipt number that Paypal emailed to me on XXXX XXXX 2016 was XXXX. It is now over a month since I was charged for something I never received.

Company response to consumer: Closed with monetary relief