BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: PNC Bank N.A.
State: OH
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
PNC assessed a {$40.00} late fee despite being technically paid early. I was paid a day earlier than normal XX/XX/XXXX, and scheduled a payment on that same day, XX/XX/XXXX. This payment ended up being credited on the previous ( XX/XX/XXXX Statement ) instead of the XX/XX/XXXX Statement, even though PNC lists XX/XX/XXXX as the Statement Date ( which is Deceptive, I would assume that XX/XX/XXXX would be the first day, not the last day. ) As a result of this double payment accident I was assessed a late fee. I contacted PNC, and spoke with someone that did n't seem to be able to understand the problem, despite repeated attempts to explain that the problem was that I ended up paying a day early, and that what I wanted was for the payment to be moved up a day to fall in the correct billing cycle and the late fee to be waived. 

I feel that PNC, and by extension all Credit Card Issuers and Revolving Line of Credit Issuers are defrauding the public.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: PNC Bank N.A.
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have XXXX mortgages with PNC which I have always paid on time for 9 years. 
XXXX within the past three months my payments have been mis-applied tothe XXXX mortgage along with added " late fees '' from PNC. The most recentmisapplication of funds have taken me through XXXX separate Customer Service & collections representatives to correct. I still send in my payment due on time & it gets applied to the wrong month, again bringing up a " late fee. '' I am having troublewith the issues being resolved in a timely manner & I feel like there is no follow-thru in the company. Otherwise I would not be having to deal with the same mistake ontwo occasions within such a small time frame. I usually send in XXXX check withXXXX payment coupons along with BOTH account numbers on my check. Now Ihave had to resort to sending XXXX separate checks with accounts written on themalong with XXXX payment coupons. Hoping to have this resolved soon, definitelyready to take my mortgage elsewhere & happy to share with others the VERYpoor service I receive from PNC, I am very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Alliance One, Inc.
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
They 've have contacted me over 25 times via robocalls illegally. I am on the do not call list. They were looking for my husband. I told them to stop calling my phone. I am on the do not call list and have never told them to call me. The lady who calls is rude and calls me multiple times a day to harass me. She frequently calls before XXXX. She wakes my sick baby up. I did a letter with my husband asking to cease communications until they verify my husband 's debt, I asked them to futher not contact him on my phone, I told them I never gave them my permission to call my phone and I have been on the do not call list for 3 years. They illegally recorded my phone calls without my consent. They call and wake my husband, our sick infant and myself out of sleep. They call before XXXX frequently.They are causing me great mental anguish and my child as well. They have violated XXXX state law, debt collector laws, and the tcpa act. I am further reporting them to the XXXX as well as the XXXX. I have already reported them to the Ftc because they are unwilling to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Due to a depositing error, a check was returned due to non-sufficient funds from my account. However, PNC Bank is trying to double charge me a XXXX fees. XXXX for non-sufficient funds and XXXX for overdraft. Only XXXX of the fees is appropriate. The other is inappropriate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Stearns Ventures, LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
StearnsXXXX acquired my mortgage 2 weeks ago, after it was sold twice from a re-finance 2 months ago. Last week I received both the package about this acquisition AND a dunning phone call that my payment was late!! How can any payment be late when only 4 days elapsed on receipt of information on a newly-acquired account? To worsen this situation, I followed the provided instructions to set-up my new account to make online payments BUT the needed field to click and complete this does n't appear anywhere on the web site. Soooo - I 'm unable to make a fast and timely online payment because the company 's web site lacks the fields to do this yet I 'll continue to receive dunning calls that my XXXX payment is late even though this company acquired my mortgage only 2 weeks ago. I ca n't go into their office since it 's several hundred miles away so paying in person is not an option. Is n't this harassment? Is n't this unethical? Is n't this an unfair business practice?

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 2015-05-12
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I had fallen behind on my mortgage payments with PNC Bank, I was given the option of going on a trial program for 3 months. I needed to make these payments by the first of the month and they would then give me a loan modification. Before I said I would do this, I questioned the guy from PNC because on the trial payments it said 480 months. He told me that was just for the trial and he had never seen it stay that way after the trial period. Well I just finished my trial payments, and he tells me that he did n't explain it to me that way and the new loan which saves me roughly $ XXXX month from {$1300.00} to {$1100.00} but adds 23 years to my loan, and does n't change the principle or interest rate on my original loan. I thought I was participating in a plan that would help me, not prey on my circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
XX/XX/XXXX, I informed US bank to please not call me any longer at work my work phone number. They did stop doing this for about a month and then I called to speak with a rep back on XXXX/XXXX/2015 around XXXX XXXX PST. I was asking him about doing a skip payment for my car loan because I was unable to make a payment. During this conversation, he repeatedly asked for my phone number for work. I told him that I do not wish to give out my phone number to my work, I do not want phone calls at work. I explained to him that I had already told them that no phone calls should ever be made and I do not have to give a work phone number at all. He demanded one from me and I still refused and he informed me that I would not be able to do a skip payment unless I gave him a work phone number ( thus now I am past due because I refuse to give him my work phone number ). The very next day, US bank started calling my work phone number. They stopped for a few days after, but have called me XXXX times a day since Monday XXXX/XXXX/2015. Apparently, telling people not to call you at a phone number, or refusing to give one for work, means you ca n't ask for help and then they pull up your previous numbers and start harassing you there -- even though I specifically said not to call me at work. I also completed a survey after this phone call and asked that someone please follow up with me, no one has ever reached out to me for assistance. 
Secondly, when I asked for help, this young man wanted to delve into details of why I could pay. What was causing the issue, how I was going to fix it and if I could not provide this then I would not be able to skip a payment. This should NOT be a requirement to skip a payment. I 've never done so on my car loan so asking for help once I should be given an okay -- but not asked about details in my personal life. Just telling them I ca n't afford to pay should be enough.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: U.S. BANCORP
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for refinance to lower my interest rate to my current mortgage company. When i submitted my application, where i mentioned specifically how much my early income with a proof ( last two years of XXXX, and pay stubs ). They were well informed about my yearly gross income despite, they went ahead and appraise the house in order for them to decide whether I can get a lower rate. And my house appraisal went higher than expected. But they denied my application based on their automated scoring system, saying, my debt to income ratio is too high and therefore my loan scores ineligible. Why they had to go through appraisal of my house and made me pay XXXX dollars when they knew my income ratio does n't qualify for refinance to lower rate. I was informed at the beginning of my application that i would not be charged any money. But they charge my XXXX XXXX dollars for appraising the house without my consent because i was told that i wo n't be charged any money if i do n't get approved. I had to include my credit card for the application fee. I was told i would get refunded my application fee if i do n't get a approval.They indeed refunded my application fee but not the appraisal fee. they should not have done the appraisal at first place knowing my yearly gross income. I think they were deceptive, dishonest and unethical banking practice.

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 2015-11-13
Company: U.S. BANCORP
State: MN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX I contacted my bank regarding a fraudulent charge on my credit card. Then as my XXXX was going through my past statements we came across another fraudulent charge which I reported today XXXX My bank is XXXX XXXX Bank I contacted them at XXXX Because of some health issues and a hearing problem I asked my XXXX to be on the call to help me. The first person we spoke to at the bank was exceptionally rude to us, stating that he would not speak with my accountant even though I gave my permission to do so. I asked to speak to a supervisor and was put on hold for 25 minutes at which point I hung up. We called back immediately and this time the person asked for my permission for my XXXX to be allowed to take part in the call, I said yes and everything proceeded, why did the first person apparently lie to me in this regard and put me on hold for all of that time. I reported that I had XXXX fraudulent charges of {$3500.00} and {$2000.00} The lady I spoke to in the fraud department was about as helpful as the first gentleman and just as XXXX. She said she would file the fraud charges and maybe I would get my money back or maybe not. What the XXXX does that mean? I never authorized or took part in those charges in any way and explained that fact to her. My XXXX said that I have a XXXX liability when it concerns identity theft and or fraudulent charges, which these are. I will be changing banks next week without question.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
This is a copy of an email sent to XXXX XXXX of US Bank regarding payment inaccuracies form US Bank. There is no details of what makes up a payment, for interest and principle. Late fees are added in random and reversed. You can see that a payment was made and late fees are added. I am concerned about loan fraud, excessives fees applied and not sure if anyone knows if one can be overcharge for this loan. A audit of the US Bank may be in order. 
Hi XXXX, I wanted to give you an update on this matter. I received a call from US Bank Operations yesterday, I believe XXXX was her name. She called me to information that my XX/XX/XXXX payment will be {$120.00} since this was quoted to me in writing. She was also going to work on the late fees and getting me details at the branch so I can see the information. This was reassuring. 

However, today I went to make a payment was told that the amount due for XX/XX/XXXX is {$240.00}. No information was shared with the branch office of US Bank. I was told that paying less will result in late fees being assessed. Again this is a mess as information is not shared nor updated. I asked XXXX XXXX and he is powerless as he did not know. He also said that he is out of the picture on this issue. Hmmmmm. where can I get help if the branch office is out of the picture. 

I have attached the receipt, screen shots of XXXX 's computer to show that he is not able to share details of makes up the payment and account history. I only included the recent months. As you see, there are the late fees and payments made. Please note that there is a {$25.00} service fee applied and then a reversal. Why is that? 

XXXX, this is very concerning for me who is not sure what is owed. It also speaks loud of possible payment inaccuracies, random late fees being applied as payments have been make and really does anyone know if the system is accurate. I will be filing a CFPB complaint so they can see what is going on and get this addressed. Please help!! 

Kind Regards, XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: National Principal Group, LLC
State: KY
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Received XXXX calls from hidden number. Finally answered referred me to another number with a file number. No clue what loan they are talking about have all my information including ssn they read it off to me over the phone! called my boss at work and said they were going to call my family

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-23
Company: U.S. BANCORP
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Have been trying to get the bank to correct my monthly payment based on a corrected Town tax rate/amount. I have sent several faxes, have spent hours on the phone, have spoken to several of their representatives about the issue. It still as on writing this note not straightened out. They seem un-willing or unable to make a simple correction to the monthly payment amount due. The town has also spoken to ... .and faxed information to the bank. Now, they have my account is " suspense '' because I am not paying the incorrect payment amount they keep saying that I owe. I have been paying an amount that was provided to me by XXXX of their employees. As soon as today, the Town again faxed the correct tax amount due to the bank ... ..who just recently made a payment to the town that Was not due until XXXX XXXX. I do n't know what to do with this bank. They seem to be unable to correct something that should be simple and with no hesitation. There seems to be poor communication between their departments. Please help. I have plenty of documentation that I could sent. It would take me some time to organize it all ... .as there is a lot of it.

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 monetary relief
Consumer complaint received 2016-09-20
Company: U.S. BANCORP
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
There has been an ongoing issue with misinformation, lying, lack of details, delays of when things would be done, delay tactics of changing relationship managers, personnel not returning phone calls, etc. with my modification on home mortgage with US Bank. Absolute horrendous experience from the start. Was told by US Bank that process to final modification would be 30-45 days. That was XX/XX/XXXX, it is now XX/XX/XXXX and I am still not at the final process. This time they are blaming it on waiting for HUD for a variance.

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 2023-02-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Act, this creditor has violated my rights under 15 U.S.C. 1681 section 602 which states that I have the right to privacy 15 U.S.C. 1681 section 604a section 2 also states a consumer reporting agency can not furnish an account without my written instructions. Under 15 USC 1666b a creditor may not treat o payment on a credit card account under an open end consumer credit plan as late for any purpose. In XX/XX/2022, XXXX XXXX XXXX XXXX violated this law, and placed a 30 day late payment on my consumer reports

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 2016-01-13
Company: U.S. BANCORP
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I took my car into XXXX for repairs and right when I got my estimate for them, they of course sent a salesman over to me saying everything that salesmen do to pressure someone into buying a car. They asked me some initial questions and gave me a pre approval. All I would have to do it give them my car. I said that I could not verify my income ( as I do not have any above {$490.00} I receive for my VA XXXX ) and was told that as long as it is under a certain amount ( Cant ' remember the exact amount at this time ) that they would n't have to verify it. So I put down a number and they went through with the process.They used my car at the time as a down payment. Here we are a few months later and my almost XXXX credit score is down in the XXXX now as I have not been able to make a single payment. ( as I still do not have an income ) It was repossessed at one time. My mom helped me get it back, and I now owe her money as well. I am in collections again on it and am not sure what to do. I ca n't afford to keep it. I could never afford to buy it in the first place. And now I ca n't even afford to sell it because it is n't worth what is owed. I feel like I was pressured into buying this. 
Not to mention the disaster that happened during the repo process. As soon as it was repoed, I called my mom, who immediately wired money. The Bank, US bank, claimed that they did not have the money. After XXXX days of me calling to check if they have received the funds I finally asked XXXX XXXX XXXX, who we transferred the money through, to attempt to pull it back. We got a response from XXXX XXXX that the beneficiary ( US Bank ) would not release it. So they had the money, would n't give it back, and were saying that they did n't have it to begin with. So, the car gets sent to the auction to be sold, which would leave me on the hook for the XXXX difference in auction price. At the last minute, US bank says they do have the money and does everything they can to get it back from the auction. ( 2more weeks go by with them trying to get in touch and get it back ). According to the notice to sell, they were to sell it on a certain date if they did not receive payment. We sent that payment long before that date and they still sent it to auction. 
Now, I am stuck. Ca n't pay for this loan that was made without any verification and that I was pressured into and dealing with an incompetent bank who ca n't keep their funds straight. There has to be help somewhere. Also, I do not have any of the original loan docs. They were in the glovebox and all of my personal belongings were removed from the car when it was sent to auction. I have not gotten anything back that they removed. ( nor have they made any attempt to get them back )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
LOAN NUMBER XXXX - XXXX XXXX XXXX ON XXXX XXXX, XXXX MY LOAN WAS PURCHASED BY CARRINGTON MORTGAGE IN XXXX. FOR THE FIRST 90 DAYS OF MY LOAN, CARRINGTON COULD NOT PROVIDE ME WITH A LOAN NUMBER OR A MEANS BY WHICH TO MAKE MY PAYMENT. WHEN I WAS ABLE TO MAKE A PAYMENT IN THE FOURTH MONTH, CARRINGTON INITIATEED FORCLOSURE PROCEEDINGS AGAINST ME. 
I WAS ADVISED ON NUMBEROUS OCCASIONS THAT FOR THE FIRST 60 DAYS THERE WOULD BE NO REPORTS MADE TO MY CREDIT BASED ON THE FAILINGS AND SHORTCOMINGS OF CARRINGTON AND THE INABILITY OF THEIR SYSTEM TO RECOGNIZE ME AS A CUSTOMER AND THEIR INABILITY TO PROVICE ME WITH A LOAN NUMBER. 
I BELIEVE THIS IS A FORM OF PREDATORY LENDING FOR THE FOLLOWING REASONS : 1. A REPORT WAS MADE TO THE CREDIT REPORTING AGENCY AFTER I WAS TOLD THAT THERE WOULD BE NO REPORT MADE FOR THE FIRST SIXTY DAYS. 
2. THE INTEREST RATE IS MUCH HIGHER THAN A TRADITIONAL FHA INTEREST RATE AT 6.5 % ON A XXXX LOAN ABOUNT 3. I AM NOT UNABLE TO REFINANCE THE LOAN BECAUSE OF THE " REFER TO FORECLOSURE '' THAT CARRINGTON HAS PLACED ON MY CREDIT ACCOUNT 4. I NEVER MADE ANY LATE PAYMENTS ON MY ORIGINAL LOAN WITH XXXX MORTGAGE 5. I AM FORCED TO STAY WITH CARRINGTON ( BECAUSE OF THE NEGATIVE CREDIT REPORTING ) EVEN THOUGH THEY FAIL TO SERVICE MY NEEDS AS A CUSTOMER 6. EACH MONTH CARRINGTON 'S WEBSITE REJECTS MY PAYMENT FOR XXXX REASON OR ANOTHER 7. THE VALUE OF MY HOUSE IS MUCH GREATER THAN WHEN I ORIGINALLY PURCHASED IT CARRINGTON IS USING THE METHODOLOGY KNOWN AS PACKING BY PURCHASING SMALL LOANS FROM LARGE BANKS WITHOUT THE BORROWERS KNOWLEDGE AND ATTACHING LARGE INTEREST RATES TO THE LOANS. BY THE TIME THE BORROWER REALIZES WHAT HAS HAPPENED, EXCESSIVE LEGAL FEES ARE ATTACHED TO THE MORTGAGE CAUSING THE BORROWER TO DEFAULT OR FORECLOSE ON THE MORTGAGE. THE PROPERTY IS THEN TAKEN BY CARRINIGTON. PACKING AND ASSIGNING EXCESSIVE FEES ARE XXXX COMMON PREDATORY LENDING PRACTICES

Company response to consumer: Closed with explanation