BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-21
Company: Stearns Ventures, LLC
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Stearns Lending LLC is our mortgage as of XXXX XXXX, 2015. We just purchased this home and were only living there three weeks before a pipe broke and flooded the house. There was $ XXXX damage to the home and is unlivable. We have had to move over XXXX miles away from our home one way in XXXX traffic. We are having to travel back and forth to get my XXXX children to classes and activities. Since this happen on XXXX XXXX, the mortgage company Stearns Lending LLC received the money on the XXXX XXXX and told me today that they are only going release XXXX % of the depreciated payment of $ XXXX they received. Also advised we will not send out anymore more until the project is XXXX % completed which is to be verified by their inspectors within 7-10 business days. So you want my general contractor to complete XXXX % of $ XXXX repairs on $ XXXX?? XXXX XXXX is already holding XXXX % of the $ XXXX until completion of the job and now they want to hold more. What ... .he has spent more than that by ordering all the new cabinets, granite, tiles, and sheetrock, and then having the plumbing and electrical issues on top of doing all the demo. I am out of our home paying them a monthly mortgage and they are holding the money to get our home fixed so we can get moved back in. I need help! I am having XXXX and XXXX and having trouble driving due to all the stress. My doctors have related it to all this. I need to go home with my family to the house we are paying for monthly without them holding the money to delay this and make it as hard as possible to get it done.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: FMA Alliance, Ltd.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A XXXX XXXX from XXXX XXXX at XXXX is calling and asking for a XXXX XXXX. No such person resides at this number or residence. She attempted to be deceptive in giving her phone number and I was able to capture her true phone number on my caller ID.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: PNC Bank N.A.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
PNC bank debited my home equity account and did not pay off the other loan. 
It 's been a month now and I am stuck paying interest on XXXX {$25000.00} Home equity loans. 
They still have not paid the XXXX the amount they stated they would pay in XXXX this year. They insisted they paid but would not provide me with a receipt of payment. There are emails where I asked for proof of payment and did not ever receive a reply. Also recorded phone call by PNC bank. 
They also refuse to credit me for the months worth of interest I paid last month.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had trouble with depositing cash at PNC bank 's atms. 
I have a case number for reporting this on XXXX XXXX, and XXXX, 2016. 
case number is XXXX. 
I deposited {$25.00} on XXXX XXXX at XXXX XXXX and tried to deposit more, it kept spitting out the money. Today they gave me XXXX overdraft fees of {$36.00} each. When I just spoke to them, even if it would have taken all the cash, now their committing fraud again ( I was already in a class action law suit against them for accepting checks before deposits ). Now their trying to tell me that depositing the {$25.00} went after they let checks come through. 
I have the receipt to prove the balance at the time of the deposit. This is why there was a class action law suit against them. Their trying to tell me that after XXXX all cash deposits through the atms are for the next business day. I was told that all deposits are put in the account immediately. Not only did they not put the deposit in immediately, but they put the incoming checks in before the deposit. There is a law that they should follow, that the deposits coming in that business day go into the account before the incoming checks! 
I want the XXXX {$36.00} fees reversed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-18
Company: BAM Management US Holdings Inc.
State: OH
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
You have taken on an enormous job to protect the consumers and ensure that laws are not broken. I dont want to be like a pricking mosquito ; however, Binance.us keeps violating all of my consumer rights. And if they are doing it to me, they are doing it to other small-time consumers. Today, Binance.us sold my crypto without permission, which is totally against the law. I have contacted them repeatedly to release my account so that I can leave their platform. They went ahead and sold my crypto without my permission, and now when I try to send the money back to my account, I get a message that says insufficient funds. I tried to transfer the remainder of my crypto to another platform, and it says my account is disabled even though they have sent an email today telling me that my account is actives and ready to function. Please help as I have no other recourse. What Binance.us has done is illegal, and they should be held to the law like any other company. I am asking your office to protect me, the individual, against this giant XXXX company that thinks it is above American laws. This company is taunting and toying with my emotions. It is causing me to lose money every day and it is making me an emotional wreck. I am anxious and can no longer sleep. This company is causing undue stress and anxiety. I am asking for your help. This is the 3rd complaint I make against Binance.us. I have all the emails to prove all of my complaints to your office. 
Thank you for your consideration in this matter. This situation has become as annoying for me as it is for your office. Please accept my apologies and also my appreciation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX : It is an account that has never been mine and do not recognize at all, I have already disputed such account so the error could be fixed but no respond. Please remove account error from my report.

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 non-monetary relief
Consumer complaint received 2015-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I filed for Chapter XXXX Bankruptcy in XXXX. My mortgage was not included in the bankruptcy. I have continued to make payments to Bank of America XXXX a month, every month, and have never missed a payment or ever been late. Bank of America ( BAC ) debits my account themselves twice a month. On checking my credit reports this year, I found that BAC has given me a negative rating starting XXXX. It started with a N/R rating, then on XXXX it went to an X for unknown. They also stated that this account was closed XXXX/XXXX/XXXX as well as discharged in the bankruptcy of XXXX. Again, IT WAS NOT INCLUDED! I have all my statements from BAC, my bank, and even an escrow account review that begins XXXX and ends XXXX, showing that I have paid every month. The previous credit report that I received in XXXX stated from BAC, that I paid as agreed, was current and never late. And nothing has changed on my end. I have tried to rectify this with BAC and the credit bureaus, but to no avail. However, since I disputed their rating, BAC has retaliated against me by transferring my account to XXXX Mortgage, XXXX, which I have since found out to be a collection agency. And I have read nothing but horror stories about this agency. There was no reason for the adverse credit reports in the first place and certainly no reason to transfer my account to collection agency, since I am current and always on time with my payments. This is a malicious and unconscionable act on the part of BAC. Nor will BAC even speak to me concerning this or the credit reports. I had no idea that there was even a problem with BAC until I saw my credit reports and I do n't understand why they just changed everything, out the blue, when nothing had changed with my payments. I suspect, since their XXXX statements started mentioning the bankruptcy in bold print and that they could foreclose if I default in my agreement ; that by making fraudulent claims, they are trying to set me up for foreclosure. Why they ca n't just do the right and just thing for consumers, is beyond me. It is as if they have a department that does nothing more than figure out ways to steal, disrupt the lives of and just plain defraud their customers. All they had to do was just report the correct information on my credit reports. I ca n't even refinance my home because of the adverse credit reports by BAC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I contacted Navient late last year to pay an extra {$1200.00} to pay off XXXX of my XXXX loans with the company. They falsely assured me that they will apply the payment to my smaller loan in order to pay it payoff. However, when I checked my account today, I noticed that they did not apply the payment as I instructed them and only applied {$200.00} towards the smaller loan. Second, they changed my monthly auto-pay amount and increased it by 50 %. There was no notification provided to me regarding the increase of payment nor was I provided documentation indicating a change in my payment amount.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-05
Company: Atlantic Recovery Solutions LLC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a message on my answering machine this morning. I have no idea who the caller or her company is, or what she is calling about. In the message, which came from XXXX, the woman identified herself as XXXX from Atlantic Recovery Solutions. She claimed that she " received the documents for ( me ) to sign '' and that I should return her call as soon as possible, or else I would need to call a lawyer. Even more strange and disturbing to me is that I just heard from my XXXX mother, who lives several XXXX miles away, saying that SHE received a message. In my mother 's words, " There was a message left by a XXXX XXXX Atlantic Recovery Solutions for [ my name ] and a request to call her at XXXX XXXX XXXX. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan with Quicken loans about a month ago. I let them know at that time that I had given up a property recently because I could n't afford to keep it any more. So they knew it went through foreclosure which would negate the type of loan that I wanted. So I was told that I had to pay XXXX for an appraisal before the deal went any further. A few days after that I was turned down because of the foreclosure which they knew about before I went ahead with the appraisal and now they are refusing to return my money or to send me a copy of the appraisal.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-11
Company: BB&T CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
See attached files. BB & T granted immediate online approval of a 3rd party check for deposit into our personal account via BB & T online banking app ( where they admit technical flaws ). My wife was victim of an articulate online job scam. BB & T approved the check immediately and my wife XXXX XXXX XXXX XXXX took {$870.00} cash out next day to deposit in 3rd party account with XXXX XXXX Bank ( who has now frozen that fraudulent account and funds ). 3 days later ... BB & T notified us our account was drastically overdrawn b/c the check was a scam ( they told us 3 days later! ) and are now trying to hold us responsible for the bad XXXX XXXX check that should have been verified/checked by BB & T immediately. They still have not returned our missing {$190.00} from my account and are trying to hold my family responsible for the negative balance of - {$780.00}. I 've requested details and meetings with BB & T fraud and VP to no avail. Contact XXXX XXXX or XXXX XXXX at 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 2016-07-29
Company: SELECT PORTFOLIO SERVICING, INC.
State: KY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Select Portfolio Servicing continues to provide fraudulent information to the credit reporting agencies in regard to my Acct. # XXXX .... They refuse to take this negative information off of my credit reports even though I have told them it is totally wrong. They bought then sold my mortgage from XXXX XXXX XXXX during the financial crisis and later sold it back to them. During that process, all my records were lost and they report that I was delinquent in my mortgage. I now have a clean mortage with XXXX XXXX XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Experian Information Solutions Inc.
State: WV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Hello, XX/XX/2016, I printed my free credit report from Experian. Going through the report under the section ( other personal information associated with your credit, social security number variations ). There is a social security number that is not mine. It does not belong to any member of my immediate family. I need it removed and all credit reporting information associated with this social security number.

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 non-monetary relief
Consumer complaint received 2016-01-29
Company: BB&T CORPORATION
State: IA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I bank with BB & T. Recently they have overdraft my account when the funds are there. This has occurred on several occasions in the past few months and the trend is that this happens overnight when I have a paycheck pending electronic deposit. While in some cases I may not have the funds to cover all charges BB & T tends to push all charges through immediately. At other times pending charges may take days to process. The example below shows what I mean. I spoke with a representative at BB & T about the overdraft charges and I was told their system accounts for all charges pending or otherwise. So BB & T can make money off customers regardless of circumstances and that funds like a pending paycheck that will cover all charges is not counted. Mind you that they consider pending charges against the ledger but not pending paychecks. 

Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX # XXXX {$87.00} Pending transaction date XXXX/XXXX/XXXX Debit XXXX XXXX XXXX XXXX XXXX DE # XXXX {$360.00} Pending transaction date XXXX/XXXX/XXXX Credit XXXX - XXXX XXXX, XXXX XXXX {$2000.00} XXXX/XXXX/XXXX Debit OVERDRAFT FEE {$72.00} {$260.00} XXXX/XXXX/XXXX POS XXXX 'S XXXX # XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE {$11.00} XXXX/XXXX/XXXX XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX IA XXXX BB & T CHECK CARD PURCHASE-P {$26.00}

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been trying to come to a resolution for loan XXXX since it was transferred to Select Portfolio Servicing from XXXX XXXX XXXX XXXX XXXX. It is now XXXX XXXX and I still can not come to a resolution with my servicer. My main complaints are ignored each and every time. I have sent several Qualified Written Requests and Letters of Explanation to Select Portfolio regarding the following disputes and the responses are vague. The servicer has a trustee sale date scheduled for XXXX XXXX, XXXX and they are not legally bind to foreclose. 
Disputes : 1. I was approved by Keeping Home California / Hardest Hits Funds for the Principal Reduction Program that Select Portfolio participates in. The agency has sent several notices to Select and all have been ignored. I have stated this approval in all written documents to my servicer and all attempts to get an answer is ignored. 
2. I am repeatedly told by my servicer that the investor on my loan ( XXXX XXXX XXXX ) will not approve loan modifications on the account. The servicer advised that the loan is owned by XXXX XXXX XXXX XXXX. I checked the trust and my loan is not shown in the list of loans and loan amounts. After further research, I find my home loan in the XXXX XXXX XXXX XXXX with a completely different investor shown. I provide this proof to my servicer in written document and all attempts have been ignored. 
3. I have not been offered alternative programs to avoid foreclosure. 
4. Single point of contacts at the servicer has been changed practically every month. XXXX representatives on file, XXXX XXXX and XXXX XXXX have tried to talk me into allowing the servicer to foreclose on the property. My last phone conversation with XXXX XXXX resulted in her offering me a cash payout. 
5. The current mortgage loan is not the same loan before it was sold to my servicer. The servicer advised that the loan was modified but the modification was canceled by my previous servicer. Select Portfolio will not recognization nor assist with a resolution on this matter. 
The due diligence on my file has not been done and I am outraged that my numerous requests have not been correctly answered. I am seeking assistance from OCC to have the upcoming sale date of XXXX XXXX, XXXX to be halted and an investigation done on my account. I received a Notice of Rescission of Declaration of Default and Election to Sell from XXXX XXXX XXXX XXXX XXXX, XXXX stating that the loan is indeed questionable and wrongful foreclosure was attempted. I have tried to get Select Portfolio Servicing to assist me with this research but all attempts by mail, fax, and email have been ignored. I have every intention of keeping my home. Your assistance with this matter is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
i am super disappointed all my calls and pleas for help are going un heard. i have beena c ustomer for a long time with credit. i need some help i need a business account with no minimums no fees for a while. a business account i have a spark card. I have always been helped by this bank and this is just being ignored. please help. PLEASE escalate to Virginia office. 
please escalate to capital one bank office of president. 
i need help. not the run around loyalty for loyalty PLEASE assist. this account will have over XXXX XXXX with the year from an expected grant. PLEASE help no scripts. I have called, written getting nowhere pleae help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: PNC Bank N.A.
State: ME
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened up a PNC checking account that had a {$400.00} bonus promotion if certain criteria was met. 
Virtual Wallet with Performance Select : Earn a {$400.00} bonus when you do the following : Open a new Virtual Wallet with Performance Select Establish a qualifying direct deposit of {$5000.00} to your new account Make at least one payment with PNC Online Bill Pay On XXXX XXXX, XXXX I made a direct deposit of {$2000.00}, on XXXX XXXX, XXXX {$5000.00} which was followed by a XXXX XXXX, XXXX {$10.00} bill pay. I waited the prescribed amount of time and proceeded to call PNC customer service and inquire about my {$400.00}. The customer service representative told me I did not qualify for the bonus. I told them I wanted to close my account and the csr told me I would get charged a fee for early account closure for not being open 6 months. I then waited until XX/XX/XXXX and proceeded to close my account. I 'm not happy that I did what other people did to receive the bonus which is the reason I want to file a complaint.

Company response to consumer: Closed with explanation