vivekkopthsd/cfpb-consumer-complaints huggingface dataset:
Consumer complaint received 2016-08-17 00:00:00
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
Applying for a mortgage PNC BANK tried to charge me for a simple bank statement. The mortgage company wanted my last 2 months bank statements. They want {$5.00} a statement. {$10.00} total. Threatened them with you- they miraculously waved the fee. Thanks for being thdre

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A.
State: PA

Complaint narrative:
Pnc banks eliminated one of the few remaining customer service benefits. The machine that accepted your coins and provided you cash in exchange. Not only do they hold my money and pay no interest, now they have discontinued one of the few banking services I actually value. I guess they really do n't want bricks and mortar locations. Another consumer takeaway.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-11 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: FL

Complaint narrative:
I bank with PNC bank. I have a issue currently with a few transactions which caused my account to go negative and NSF charges that were imposed. What happened during this situation is as follows. I was out of town and knew there was going to be a charge go thru my account next week. I was aware of this so I was very cautious with my spending. To be extra cautious I made sure that when I made any type of charge to the account I checked the balance before hand to make sure the large charge did not come out before it should have so my account would not go negative. I have been told my the service reps at the bank that the processes were in real time so I took that to mean if there was a balance in the account that it would go in the order of the charge. THIS IS NOT WHAT HAPPENED. Although I checked before each and every charge the large charge I knew was coming ( although a week early as I was afraid of happening ) did end up going thru. Now the problem is all those charges that I double checked for a balance they did not process it the way they said it would. PNC processed the large charge first and then all the other small charges afterwards causing XXXX NSF charges. I called the bank and they once again told me that Everything processes in real time. I went back and forth with them and they ended up telling me the balance is just a tool. I was not satisfied with this and the case was elevated to a supervisor. I then received a phone call a few days later and the lady told me that things are not processed in real time. This is a stark contast to what I was told in person at the branch as swell as what the online CSR told me. She went on to tell me things are really processed when the receipts are sent to the bank for payments. Well this makes things impossible to try to fix if there was some type of error on the account. Anyway I feel like the bank was completely dishonest with me on how to try and protect myself against charges. If I would have know in the first place I would have just pulled out cash out of my account and paid with things that way so I did not have several hundred dollars in NSF charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-07 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: STONEGATE MORTGAGE CORPORATION
State: IL

Complaint narrative:
I 'm having extreme difficulties with Stonegate Mortgage Company that has been ongoing for the past 3 months. I have a current XXXX loan that is open and still pending because of discrepancies with the contractor ( I have proof, pictures, and the HUD Consultant as a witness ). My loan officer at the bank in charge of the Construction loan is XXXX. I have even tried to reach out to her Sup XXXX to no avail. This is my very first property and I have no prior experience with any of this so I have called them repeatedly for someone to explain every detail to me but they have refused to take any more of my calls. I ca n't move tenants into my building and have been covering the bills alone because of this. I ca n't afford another month I have been trying to seek help. I have asked XXXX was there anyone else at the bank or anyone in management that I could speak with and she told me no. The HUD consultant has supplied her with pictures as proof and the amount not to pay the Contractor. I have since terminated the Contractor because due to the circumstances I no longer trust his word or his work. XXXX insists on paying this contractor every last cent of the balance she states that the HUD consultant told her to pay him. The HUD consultant, XXXX, and I have all been on several conference calls throughout the past week in which I have specifically heard and seen the paperwork in which he stated the amount to deduct for a new contractor to come and repair items that were done unsatisfactory. I do not know why there is a disconnect and I was told to stop calling only to correspond through email ( I have proof ). I just want the work to be done completely and accurately by a new contractor and do not feel that I should have to pay for the damages out of pocket. The HUD consultant agrees and has provided pictures as well as spoken with XXXX about these complaints. I was told to just take it up with arbitration. I 'm not at all pleased with the amount of service that I 'm receiving it is degrading. I will be filing a complaint with the BBB as well as looking to refi with a different company because Stonegate has left such an impression that I refused to deal with them one moment longer than necessary

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-01 00:00:00
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A.
State: MD

Complaint narrative:
I contacted PNC Bank NA for a line of credit and they approved me for it. I already have XXXX other lines of credit with the same bank, which I intended to keep for liquidity, but also XXXX of them has a far better rate than the new line of credit. PNC closed the prior lines of credit without any written or verbal disclosure- replacing them with a single one that has a higher APR. I was given no warning of the lines of credit closure and it did not authorize their cancelation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21 00:00:00
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL

Complaint narrative:
I pulled my credit report so i can finally clear up my credit and the rep lisette was very rude and nasty towards me because she stated I took none of her calls when she tried to contact me which I have call block on my phone do to the phone number belong to someone else and if not in my contacts I explained to her I had insurance during those periods ive been scammed before and she said theres nothing they can do rude

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31 00:00:00
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A.
State: CO

Complaint narrative:
I closed on a home XXXX XXXX, 2016, and was entitled to an escrow refund of {$5700.00}. I have called the mortgage company twice now ( PNC Mortgage ) and have been told twice that the check is " in the mail '' but there is no way to track mailing - when the check was actually mailed ( " should have been XXXX XXXX '' ) - or where it might be because they do not have a way to track delivery. This is ridiculous. Surely there are faster and more sophisticated ways to process refunds, but I suspect PNC Mortgage will not do this because they have the benefit of holding on to my money for as long as possible and are not held accountable. It is completely unacceptable to tell me they do n't know for certain if the check has been mailed or where it is right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18 00:00:00
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: NJ

Complaint narrative:
In XXXX 2015, I applied to refinance my HELOC with my existing mortgage company, PNC. I was informed that even though my FICO score was XXXX, I needed to have " XXXX successful trades '' in order to refinance and receive the same product. I was told I had only XXXX trades. I asked repeatedly what specifically was meant by a " trade '' but was never given a real answer. I was told it was a government guideline/regulation and XXXX the bank could not get around. I was informed, after asking, if paying off XXXX more bill would make a difference and told that it should. I rescinded my application, paid off a bill and three months later -- in XXXX 2015, reapplied. My FICO score is now XXXX and I am still being told that I do not qualify for a HELOC but must settle for an interest plus principal-type product. During this second attempt, I was initially told I needed a XXXX FICO score and " XXXX trades. '' Both of which I obviously had back in XXXX and then again in XXXX. I was later told I did n't have " XXXX trade lines. '' I have repeatedly asked for a federal regulatory number or other identifying information to corroborate this guideline they are using to deny my application for a HELOC and I am consistently denied this information. Each time I speak with a different loan specialist, I am given different information. I have your organization and others for information but no one has ever heard of such criteria. At this point, I can only assume this jargon is particular to PNC and used to deny clients certain products in the hopes that they can be assuaged into the lending product XXXX that PNC is currently XXXX on its clients to meet their profit margin. Please please look closely into PNC 's lending practices in NJ. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-05 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: NC

Complaint narrative:
PNC Bank reports to credit bureaus that a checking line of credit is charged off. 
The account was paid in full, and the amount was also disputed from 2013. The account is paid in full, and PNC Bank can no longer report it as charged off, due to the fact that legally the term charged off is an IRS tax reporting issue, and the STATUS is now INCOME, and PNC is required to pay taxes on it. It is no longer charged off and it can not be reported as such to the credit bureaus. When the agreement was made with PNC to pay the DISPUTED amount, in full, PNC made direct promises that the account would be reported to credit bureaus as PAID IN FULL. Legally it is no longer classified as charged off.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24 00:00:00
Product: Other financial service — Check cashing
Issue: Fraud or scam — 
Company: PNC Bank N.A.
State: OH

Complaint narrative:
I had my purse stolen a month ago. After immediately calling police, we called PNC bank to report the theft. They froze the account and alerts were placed on it. We went in the next business day to open a new account. Later that week a teller from another branch disregarded the alerts that were still on our account and handed the thief with my ID {$1800.00}. They opened up a new account for us again, but now are holding all of our money because of their " investigation ''. Meanwhile, the teller that screwed up is getting paid for her work and we ca n't cash checks, ca n't deposit and have access to it, and checks already put out there by us are bouncing, making it impossible to live, pay bills, buy groceries for our kids. I 've been a loyal PNC customer for almost 10 years and they have kept saying there 's nothing they can do. Even though THEY screwed up and I had alerts in place. I did everything I was supposed to do and we were told we 'd be taken care of. THIS is not being taken care of as valued customers. THIS is like we are the criminals. They never even had the courtesy to notify us that this may happen or to give us a solution or option in order to continue paying bills and buying needs for our family. We have credit scores in the XXXX, own our own home for 10 years and my husband is a XXXX and I am a XXXX of XXXX little kids and also a XXXX. I wrote a XXXX page document on all the details surrounding this including our police report and the conversations we 've had with bank employees. We need help. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-22 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: STONEGATE MORTGAGE CORPORATION
State: CA

Complaint narrative:
Initiated a refinance with Stonegate Mortgage. Supplied all documentation ( credit report, paystubs, XXXX 's etc. ) scheduled and purchased appraisal, appraisal completed, loan to pre-processing. Lender contacts me about derogatory remark on XXXX account on credit report, states loan can not continue until removal of derogatory remark. Instructed me to contact all XXXX bureaus to have remark removed. By this action, FICO score reset from XXXX to XXXX XXXX ruined as it falls below XXXX. Result : No loan, out {$490.00} appraisal fee, credit ruined. Why did the lender not advise me that requesting a removal of a remark would have negative score reset? After working hard to get score up to XXXX now its XXXX. This will damage my ability to try financing from any other institute or could cause damage in my ability to secure employment or any other credit related financial situation that I might come across. How did simply requesting a removal of a comment that should not have been there in the first place cause my score to suddenly drop XXXX points? If making inquiries to credit companies in an attempt to rectify a wrong how are consumers supposed to 'clean up ' their credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-19 00:00:00
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: Direct Recovery Services, LLC
State: MA

Complaint narrative:
this company which has already received multiple harassment complaints XXXX XXXX has contacted my ex wife whom I have n't had communication with since 1990!!!!!!!!!!!! my ex brother in law frequently and daily whom I have n't seen in 9 years!!!!!!!!!!!!!!!!!! and leaving threatening messages regarding legal action!!!!!!!!!!!!!!!!!

Company response to consumer: Closed
Consumer complaint received 2016-12-22 00:00:00
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: STONEGATE MORTGAGE CORPORATION
State: FL

Complaint narrative:
I am in the process of closing on a FHA mortgage and I am financing the MIP. So instead of my loan amount being {$200000.00} it is now {$200000.00} including the XXXX % MIP charge. But I received my Closing Disclosure ( XXXX XXXX and although I am financing the XXXX % MIP, They are still asking me to bring that amount of money to the closing table. Can you please advise before I sign the closing disclosure and close on this loan. Thank you very much.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-16 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Alliance One, Inc.
State: WA

Complaint narrative:
I lost my Wife to XXXX. in 2007 after 3 years of caregiving at home. 
During the time she was sick I let some debts to the city that were on a on a payment plan go unpaid as all funds went to medical/ caregiving. 
I left my home XXXX after 1 year bereavement and went off to find myself. 
I am back in my home XXXX now after 8 years, remarried, and trying to clean up my credit and debts from my past. 
The existing balance of {$3900.00} to the City/County went to collections, then to court where a Judge awarded the collection agency XXXX that amount???. 
I have been in contact with the collection agency trying very hard to mediate a reasonable resolution and to square up with them as this balance has frozen my ability to obtain a State Drivers Licence. 
Under the circumstances surounding this debt can I challenge or petition the courts to reduce the amazingly ridiculous penalties and interest? HELP! : )

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27 00:00:00
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A.
State: GA

Complaint narrative:
I already have a file opened. File # XXXX. I am submitting new information and a new complaint. In regards to my first complaints with PNC Bank adding fees on tops of fees, they added {$7.00} a day that money was not in the account on top of the NSF fee ... when the bank received my complaint, a gentleman from the bank contacted me and stated he would look into my account and that he would call me back. Well XXXX week later, I was calling the bank to check on the status of my complaint to see why I could not log into my account with my phone app only to find out that they closed my account. They did a credit of all but {$74.00} and charged my account off with no phone call and no notification. They did not tell me they were charging my account off in which they should not have done that and it was not even enough time that have gone by for them to charge my account off. I want my account back opened. This is bad business on their part and poor customer service!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-07 00:00:00
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A.
State: IL

Complaint narrative:
The mortgage company caused multiple delays in the closing process. These delays caused much stress for both me the buyer, as well as the seller who almost cancelled their contract. This issue resulted in XXXX closing dates not achieved, as well as several thousands of dollars of extension fee 's that were levied onto my loan even though I had nothing to do these delays, XXXX % of the time I returned any requests, or documents requested before the next day. I feel this was a form of extortion, for that regard, it would be next to impossible to restart the process with another institution this far into the process. Furthermore upon reflecting back to those issues, I feel that maybe those issues were intentionally caused, maybe to create a stream of revenue for the bank, which if that is the case I think it maybe fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26 00:00:00
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ResidentCollect, Inc.
State: AZ

Complaint narrative:
This company is a collection agency and they added an item to my credit illegally. By law they have to notify me of the debt and allow me 30 days to dispute it. I was never notified of this debt, nor given a chance to dispute it. This debt is not valid as I was living in an apartment unit that was not safe to live in and had to move. Shortly after I moved, the units floor collapsed and rendered the property condemned. Since this company failed to notify me of the debt in a timely manner and failed to allow me to dispute it, I can not rent with any other landlords. Them adding this to my credit illegally has affected my ability to get a place to live. The landlord was given proper notices and opportunities to fix the unit I lived in but failed to do so. I legally vacated the unit and there should have been no further charges or debts. If this company would have notified me of the debt, I would have showed all the proper evidence to justify my moving out, therefore it would have never appeared on my credit.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14 00:00:00
Product: Credit card — 
Issue: Late fee — 
Company: Bread Financial Holdings, Inc.
State: NJ

Complaint narrative:
XXXX Comenity Bank XXXX XXXX Ohio, XXXX I have been a XXXX holder for over ten years and have never had a billing dispute or late payment. I am extremely upset by a recent interest charge on my bill and I have spoken with your Customer Service Representative XXXX in the XXXX Call Center office who suggested that I contact you via fax. 

On XX/XX/XXXX I purchased a sofa from XXXX for XXXX on a XXXX payment plan. The purchase of the couch and the incentive plan was encouraged by a XXXX design consultant. I have continued to pay all my bills timely throughout the course of this payment plan. 

This same couch that arrived in XX/XX/XXXX was substandard in quality and the fabric was in such shabby condition that by XX/XX/XXXX, XXXX agreed to pick up the couch and replace the couch with the same couch but with a different fabric. The new couch was delivered in XX/XX/XXXX and it was delivered in a defective condition. I have been emailing and speaking with the customer service department for over 2 months at this point and have sent photos indicating the deficiencies. The couch was sent missing a leg and wound up damaging our wood floors as well as hardware underneath the couch to keep the four individual pieces together. To this date, I have not been able to get XXXX to send the appropriate hardware or send someone to fix the imperfections. I have included the emails and photographs for your review In XX/XX/XXXX, we were away and missed the mail and missed one bill payment to the credit card company. As a result from one missed payment, over {$2500.00} in interest fees have resulted for this same defective couch. We are now supposed to pay over XXXX for a couch that has been delivered completely defective twice. 

I apologize for the one missed payment and did agree that you have financial terms to your agreement, however, your company is also supposed to deliver quality items that are worthy of the cost. In this case, we have received substandard quality and I have wasted an exorbitant amount of time and money trying to remedy this situation. The finance charge of {$2500.00} on one missed payment is exorbitant and unfair and seems to take full advantage of the consumer. 

I have asked for the removal of the interest charges based upon our account history, longevity and the defective product At this point, we have asked XXXX to simply pick up the couch and refund our money and start over. We have had no response to this request. 

We are at the point where we are ready to simply cancel the card and never work with XXXX again based upon this one incident. We have asked that the credit card company reimburse the account for the interest charge billed.

Company response to consumer: Closed with monetary relief