BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-28
Company: PNC Bank N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Mortgage company called county tax office on XXXX XXXX, XXXX to confirm that XXXX county property taxes had been paid in full which was unfortunately the Friday before the county posted our payment on Mon XXXX XXXX ( payment was mailed on XXXX XXXX but not posted to our account until XXXX XXXX ), and since the taxes were showing delinquent at the time of their call they immediately set up a forced escrow account on our loan and processed a check to pay the delinquent amount. Once our payment was posted our account was paid current, so when XXXX County received the duplicate payment from PNC they put the funds in a holding account as they do not automatically return duplicate payments. XXXX county send a letter to the party who they received duplicate payment from notifying them that the taxes they were attempting to pay had already been paid, and county includes a form that PNC was required to complete and return to the county requesting the funds to be refunded back to them. We continued to send PNC our monthly principal and interest payment on time every month, and each month would include a written note advising them the forced escrow account had been setup prematurely and to please post our payment directly towards the principal and interest loan balance per the terms of our Note. We also made numerous phone calls to PNC customer service as well as numerous email requests to please have someone take the time to contact us so we could discuss what had happened and work together to get our account back on track as each month we were receiving nasty letters saying our payment was short and no payment that we 've sent since XXXX XXXX has been properly posted. We have continued to send our payment each month for the past 3 years up thru the payment that is due XXXX XXXX, and up thru XXXX XXXX PNC did cash our payments but since XXXX XXXX PNC has repeatedly returned each months payment saying that they will not accept insufficient payment. So, in XXXX XXXX we hired an Attorney who has also made numerous attempts to speak with PNC customer service and PNC 's legal counsel, but is repeatedly told that they will review our file and get back with her but to date that has not happened. PNC did finally serve us with foreclosure notice, but after pushing our hearing date out 3 different times they filed a cancellation of foreclosure with the court but have not gotten back with our Attorney with any offer to in some way work with us to bring our account current and back in good standing. We are now to a point that we 've lost all hope that this ongoing dispute will ever be amicably resolved with PNC, and we will continue to have the stress and agony of our home loan being in complete limbo for who knows how many more months or years to come.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: First Associates Loan Servicing LLC
State: MI
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have attended XXXX XXXX XXXX since 2009 in XXXX Michigan ( XXXX XXXX Big XXXX XXXX, XXXX, MI XXXX ( XXXX ) XXXX ), took a break and due to the opportunity scholarship that they promote decided to go back and finish my XXXX Degree. I was informed that I qualified to attend two years free tuition with no payments having to be made. Not even a full XXXX semesters in, I am getting e-mails and calls that I owe {$600.00} plus tuition for each semester. I informed XXXX XXXX that I was set up by a fin-aid representative by the name of XXXX that I would be attending free for two years due to me being a former " student '' and qualifying for the scholarship. She informed me that it was only for XXXX semester and that I now owe {$600.00} plus for a prior semester of which I was supplied with the " scholarship. '' I informed XXXX XXXX that if I knew that I would end up having to pay the upward amount of {$600.00} per semester I would not have attended XXXX XXXX. I feel that I was lied to and manipulated into receiving said scholarship. I am now receiving bills for having to pay unsubsidized and subsidized loans around the mark of {$18000.00} and {$16000.00} respectively. I would like my information to be added to the lawsuit because they are predatory and falsify information to benefit the schools profit.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Gordon, Aylworth & Tami, P.C.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was garnished by a collection agency that I did n't even have a chance to answer their claim against me. I received notice from my employer just before the XXXX garnishment on my paycheck when I checked on the debt, it 's with XXXX companies I did n't have an account with. XXXX of the original bills was from 2004. I received the court documents 1 month AFTER it was submitted to the courts AND after my garnishment began. They have my name spelled incorrectly. The judge who signed off on the garnishment is an Oregon XXXX, I live in Washington. The debts they claim I owe are over 10 years old. The Attorney is XXXX and XXXX XXXX at Law in XXXX Oregon. I do not feel I owe these debts. I have never owned a XXXX credit card or a XXXX phone account. The court Case number is XXXX The Collection Agency is XXXX XXXX , XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: MAS FINANCIAL SERVICES, INC.
State: OR
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
The loan company made calls to my references when I was late on making a payment. They left a voicemail. In the message ( I have them recorded ) they mention who they are, that they are looking for me and to tell me to call his auto loan company immediately. So, my references then call me to tell me about how my auto loan company is looking for you. Then a few days later, they left me an automated message. The message basically stated ( XXXX ) that you need to pay your payment and to press one to speak to a LEGAL REPRESENTATIVE. This is flat out illegal, as these are not legal representatives. It just connects you back to the auto loan company. I also have a number of these recorded.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Alliance One, Inc.
State: DC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I went to the XXXX Hospital in XXXX to pay off this bill. 
This is a facility that caters to the poor. I had to go there years ago when I was not married and I had a severe medical issue. 
Anyway, I drove around for an hour. There was no parking lot and no parking on the street. The place was a zoo. So I went back home and tried to telephone them. Finally, I spoke to this person at Alliance One Receivables who took my payment. 
The only reason I paid was to redeem my credit score. 
After I made the payment, I asked the person who assisted me could I have a paid in full letter. He said they do not do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Professional Adjustment Corp. of S.W. FL., Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This bill has already paid by work compensation.their phone number is XXXX.please if anymore questions please contact them.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: PNC Bank N.A.
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
XXXX XXXX I was scammed out of XXXX dollars by the " XXXX. The # was XXXX.They told me I had a grant of XXXX dollars but first I needed to deposit XXXX $ and it was refundable. She told me go to XXXX and get a apple XXXX card and read the number on the back of the card. I did. I was send to XXXX XXXX to get the refund. I had confirmation number and tracking numbers. I then spoke to an " XXXX '' and there was security reason as to them needing more money of XXXX dollars and it was also refundable, so I went to XXXX again brought another XXXX card and gave him the code on the back. The grant amount had went up but I started feeling like it was a scam so I backed out and demanded my money back. They wanted XXXX more dollar to release the " grant '' and I refused to give them more money so now in out if XXXX that I needed.i have recordings and I went to the police and ftc and contacted by bank. XXXX has denied my dispute twice due to me using my pin for the purchase of the cards. I have given them proof of being scammed. I just need some help getting my money back. I 've been with pnc for 5 years and I 'm not happy with the end result of this

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out an installment loan XX/XX/XXXX. I had my first job out of college and had no credit history. OneMain financial took advantage of me, as I was not clear about the loan terms and what I was getting myself into. When I asked for explanations on my payments, I was treated in a very disrespectful manner. 
Fast forward ten years to XX/XX/XXXX. I fiscally and credit educated, and in the process of checking my credit reports for misinformation. It was at this time, I noticed the error on all XXXX reports from XXXX, XXXX, and XXXX. 
This loan first went delinquent XX/XX/XXXX, which meant this should have been removed from my credit history. I immediately reached out to OneMain, who stated they had nbo record of my debt, and it was most likely sold to a third party collection agency, such as XXXX XXXX ( which was removed at the appropriate time ). They were unable to validate my debt, but they reported the charge off delinquency in XX/XX/XXXX. I brought this to their attention, and they stated there was nothing they could do. 
I contacted all XXXX major credit bureau 's immediately and filed official disputes, requesting removal due to : -Reporting of misinformation -Unable to validate debt I also sent OneMain a certified letter via USPS, with the same request. I included copies of my credit report, which ( OneMain is reporting ) shows the bad information. The dates they report, along with the amounts not only are incorrect, but do not come remotely close mathematically, which proves the errors. 

In goodwill, I have requested validation, and removal on multiple occasions, via Fax, email, certified mail, in-person, as well as phone. I was recently contacted by the executive office in regards to the complaint I filed with the Better Business Bureau, but have yet to receive any response to my requests. 

I am now filing a formal complaint with the CFPB, because it is clear that OneMain is actually aging my account in order to prolong reporting to the credit agencies. I did advise them that I am a resident of Oregon, and the statue of limitations on debt is six years, as well as the requirement to report correct information, validate debt when asked, comply with regulated debt collection practices, and remove all negative information after seven years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Borrower has made multiple requests for pay-off over a period of years. Pay-off requests were ignored or delayed for years ; when pay-off information was provided by the Bank 's XXXX Attorney the amount was off by approximately {$30000.00} and included improper fees. Bank 's Attorney only provided a pay-off that was good for 2 weeks. Requests for documentation to support Escrow/impound overdraft fees by the PNC remain unanswered. Requested copy of Appraisal completed XXXX/XXXX/14, PNC agreed to provide, however as of this date they have not provided. PNC constantly requests the same information from the borrower, everything requested for modification provided. PNC Representative stipulated in mediation everything provided, however 2 months after the mediation notice received that modification denied because all documentation not provided.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: Stearns Ventures, LLC
State: WA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Stearns and Lending refuses to apply my payment when my bank electronically sent them the money. They also refuse to return my calls, hang up on me, do n't reply to my questions via email and will not take the late charge off of my account ( even when an employee with Sterns confirmed my payment on time ) ( See notes attached ). My next payment will either be underpaid or sent back due to me not paying the late charge. My credit score is over XXXX and if it did n't cost to refinance I would. I have had several other mortgages throughout the years and have never experienced anything like this.

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: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
We took out a loan from XXXX about 10 years ago. Somehow we wound up paying PNC bank for the monthly payment. PNC demanded the balance of the loan be paid back immediately, although we have this loan for 10 years and have been paying all payments on time. Just recently, we received letter from an attorney from PNC. Now that we are forced to sell the property to pay off the balance, we found that in addition to the balance of the loan, they asked us to pay a {$200.00} administration fee and {$2000.00} lawyer fee. If PNC decides to hire a lawyer, why am I asked to foot their lawyer 's bill. If we do not pay them, we will not be able to close the sale and pay the loan balance. This is nothing more than an extortion. Can they really do this? Another issue I am concerned with is that they may be clouding the title of the property with their legal mingling. Please contact me soon as the closing is upcoming and at this point we can not proceed with this open issue. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Hi my name is XXXX XXXX and my property was wrongfully foreclosed on XXXX/XXXX/2016 by Bayview Loan Servicing , LLC while I was in the process of a modification, I was currently in review for the HAMP program and was told to get insurance, while I was shopping for insurance my home was foreclosure and now i am left homeless as I have already been evicted from the property.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
Ocwen Loan Servicing acting as the Servicer of this mortgage has failed to meet all of its requirements under HBOR and is attempting to illegally foreclosing on our personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Ocwen Loan Servicing Mortgage improperly and unfairly review our loan modification request for relief. We have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. In addition, Ocwen Loan Servicing has repeatedly denied us help several times and we never get a single person to answer our questions honestly or directly. They always have hundreds of people pass of file amongst each other just to create motion and delays. We intend to keep our home and we meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take our home. Ocwen Loan Servicing Mortgage illegally commenced and is conducting a foreclosure while reviewing attempting to find workout relief options for us. They have mishandled our documents and file several times and failed to properly communicate with us throughout the process. They simply wish to foreclose and kick us out onto the streets. They have clearly violated HBOR specifically under the " dual tracking '' clause. Ocwen Loan Servicing Mortgage instructed and allowed the Foreclosure Trustee named XXXX XXXX to illegally start foreclosure on my property. The Ocwen Loan Servicing Mortgage and Know Your Options website gave the result that we are eligible for a loan modification with a lower payment to save our property. So there no reason why Ocwen Loan Servicing should have denied our request or started foreclosure on our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: DMB Financial, LLC
State: HI
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Customer service/Customer relations

Complaint:
I have a bad experience to DMB financial credit counseling collecting my XXXXXX/XX/XXXX toXXXX.after recieving the collection letter and letter from the court I fax all yo them, they said dont worry we take care of this until, I revive one call from DMB they said is settled, every time tried to apply loan they ask me why I get behind " I said I do n't know I pay every eng of the month I said '' I call them again and answer me I do n't know you pay XXXX a month.until I got the garnishment letter XX/XX/XXXXi fax that letter to them and they work on it.I 'll wait for how many days but no one answering my question, so I went to credit adjuster ask them why I get garnishment.the answer is they stop tha payment since XX/XX/XXXX to XX/XX/XXXX I ask the DMB why the answer was shock me my tear drops, shaking and yelling them because is not been settled my principal loan increase and telling me I 'm not in the program anymore.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-14
Company: PNC Bank N.A.
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking and savings account with PNC in XXXX XXXX when I began working for a company called XXXX in XXXX MO. I had my payroll check automatically deposited into my PNC checking account. In XXXX XXXX, I closed both my checking and savings account with PNC, and on Thursday, XXXX XXXX, PNC sent my my final bank statement and I was surprised to see XXXX accounts that I had NOT opened in my name, A Premiere Money Market Statement and a Interest Checking Statement with a different account number that I had with PNC- ( all docs are attached! ) The XXXX account that I was familiar with was my checking/savings account that ended in : XXXX The money market account that I DID NOT OPEN OR AUTHORIZE ends in : XXXX The Interest checking account that I DID NOT OPEN OR AUTHORZE ends in XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: Kriya Capital, LLC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I never received a bill from XXXX after the cancelation of my phone in XX/XX/XXXX when I moved out of the country. XXXX had sent me email about the cancelation and some other promotions after the cancelation while still outside the country but never once a bill pending. The day of the cancelation I was told by XXXX that I needed to wait for the bill to be formulated, but I never received it. I was clear at explaining that I was no longer in the country. Now after revising my credit report I have a company CREDENCE RESOURCE MANAGEMENT claiming to have me in collection since XX/XX/XXXX.

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 2016-02-28
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Hi and thanks for your assistance- I went down to my bank ( Citibank ) to apply for a {$200.00} secured credit card- the bank person told me there would be no credit check. Today I received an alert from my XXXX ; looks like there was a credit report inquiry by CBNA obtained a copy of your XXXX Credit Report - Alert Type : New Inquiry Found On : XXXX XXXX, 2016- This was unauthorized by me! 
Please help!! 
XXXX XXXX in XXXX XXXX XXXX

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 2017-03-14
Company: United Student Aid (USA) Funds
State: GA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have XXXX different collections XXXX with navient. After they started garnishment of my XXXX I made payments to all XXXX collection agencies, and was told after a certain amount of time garnishment would end. I spent five hours today to get information on having the garnishment stopped. Navient told me to contact dept of treasury they transferred me back to collection, was told to call dept education. They told me they have not received any paperwork to stop garnishment and call navient. Called navient again and this time was told septic education was supposed to send me the paperwork in the mail. I have received anything like that.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: TekCollect Inc.
State: CO
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
First, this debt is owed by a XXXX company I worked for and the agreement was made between University XXXX XXXX and XXXX. Second, This collection was put on my credit report days before I received a very unprofessional letter stating I have until XX/XX/2017 to pay off the debt or make arrangements for payment.

Company response to consumer: Closed with explanation