BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-26
Company: PNC Bank N.A.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a new checking account [ XXXX ] with PNC Bank [ XXXX branch at XXXX XXXX ] in XXXX 2014 after I was offered a bonus promotion of {$300.00} for doing direct deposits totaling {$5000.00} and a bill pay. 

I complied with the Direct Deposit Requirements [ XXXX direct deposits of {$2500.00} on XXXX for a total of {$5000.00} and a XXXX XXXX Bill pay on XXXX ]. However, I never received the bonus. 

I contacted the bank XXXX after the XXXX day period that I was told it would take them to deposit the promotion bonus, but they refused to comply with their offer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
Experian 's " online disputing '' does not work. It begins by asking questions about credit accounts that are not mine. I answered " none of the above '', then it tells me I am an imposter and request a photocopy of my driver 's license.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Experian Information Solutions Inc.
State: LA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I 've disputed with all three major reporting credit bureaus ( XXXX, Experian, XXXX ) .I 've submitted three different disputes regarding unverified accounts via cretified mail. There responce is verified without back-up documents. This issue is drastically affecting my ability to re-finance my properties! I feel as if I 've reached a road block. I greatly appreciate your assistance in this delicate matter.

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 2016-02-08
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX, and my family and I have been trying to secure a legitimate short sale on our home ( located in XXXX XXXX, XXXX ) and the Mortgage holding institution ( PNC Mortgage, & PNC HELOC ) has been offered a very strong, legitimate bid from a very solid buyer, but neither are agreeing to the others terms for settlement. This is forcing my family to fall victim to a completely avoidable foreclosure which would be extremely difficult for me and my family being that I am a XXXX with an active Security Clearance, which must be maintained in order to keep my job. I was transferred ( XXXX ) from XXXX to XXXX for my job, and since I am unable to live in the home, I must sell it in order to avoid paying double mortgage & rent payments. 
We purchased the home in XXXX, and the house is currently underwater ( at least 20 % negative equity ), and for me to sell it, I need to sell short. Additionally, our ARM mortgage payments doubled the end of last year, making it impossible for me to afford those expenses on my current government paycheck and expenses. Needless to say, we do n't have the funds to cover the difference in cost. 
Also, in order to process this short sale, per the requirements specified to me by the PNC representatives I spoke to, I needed to miss mortgage payments for at least 3 months before they would consider processing a sale. This has been happening since XXXX XXXX. This means that my credit has taken a massive downgrade and my ability to ever purchase or rent property with my current credit rating in the near future has been extremely jeopardized. 
I am being represented by a Real Estate professional in XXXX, as well as a legal negotiator since beginning this process, but they have been unable to get these XXXX sides of the same coin to agree to each others terms. And we are the ones who are continuing to be the victims of this incompetence and corporate selfishness. First being the housing crisis, and this being the second. 
As of last Friday ( XXXX XXXX, XXXX ), the XXXX PNC Mortgage still wo n't accept the terms offered by the XXXX, and our lawyer ( Realtor 's lawyers ) have all but quit trying, since even with my threats to file a law suit, and call my congressional representatives wo n't help them finalize. Also, after more than 3 months of trying to get a new buyer into the home, which will secure for PNC more than XXXX % of the total amount of the original note, the current buyer is expected to back out in order to find another home which they can get into faster. This means that my family will now be forced to wait for another buyer who probably wo n't offer near what this one did, if we can find one at all, considering now we have a history of an uncooperative bank who is n't willing to negotiate with each other in order to finalize a sale. Can the CFPB help us resolve this issue? I am willing to forward all details of the situation upon your request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-14
Company: PNC Bank N.A.
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
In XXXX of XXXX I notified PNC Mortgage that I believed I was overcharged and overpaid PMI premiums from XXXX to XXXX. PNC sent later dated XXXX XXXX, XXXX acknowledging premiums were incorrect and they would work with PMI Carrier to correct. I received additional correspondence dated XXXX XXXX, XXXX stating research was still active and to allow 30 additional days for resolution. I have been in constant contact with PNC via phone since XXXX XXXX, XXXX only to be advised each time that the expected resolution date has been pushed further out into the future ; it has been moved five times in XXXX alone. Ultimately I recevied letter dated XXXX XXXX, XXXX advising how premiums were applied for XXXX and XXXX XXXX and that no refund was forthcoming ; completely contradicting establihed correspondence and utterly disregarding the original concern presented to PNC that premiums were overcharged/overpaid since loan origination.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
XXXX or XXXX of XX/XX/2022 ; I placed a temporary credit lift on my credit file of reference to that with TransUnion which is normally locked to look at utilising XXXX which is a distributed payment or purchase-loan affiliation program instituted to aid in payment spreading for larger level purchases associated with that of credit easing. Such was being conducted to examine purchasing bicycle to ensure for freedom of movement to the juxtaposition of local, regional, and national caging associated with organ surrogacy and trafficking related to that of affiliated persecutory actions of relation towards maintaining XXXX XXXX. Upon unlocking the credit with the actual provider TransUnion which is headquartered in the city of XXXX ; access to credit services were intentionally still being restricted by the company XXXX; essentially positioning through the caller support for the later consolidation of the firm and use of the collected audio fraudulently for the purposes of creating the auspices that submitted XXXX information was obtained by accidentally interacting with a fraudulent vendor and not the company itself. For example asking to submit debit card information upon intial callout when such had not been submitted to the application, nor would be prior to credit ascertations in support of nationally oriented and intentional financial restrictions of direct relation to nationally oriented organ surrogacy. Similarly the representative suggested to call back in XXXX - XXXX ; stated time window to complete alloted XXXX training, actions which are being detrimentally exerted and manipulated of direct association to national intelligence initiatives guised as policing by family members and localities. Such is entirely being positioned for lateral theft of identity towards that of a family member for the purposes of nationally oriented subjugation.

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 2016-08-25
Company: STONEGATE MORTGAGE CORPORATION
State: GA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My name is XXXX XXXX. I have a USDA loan through Stonegate Mortgage. 
I fell behind in my payments, and called in to speak to Stonegate management about it. 
They put me on some type of in house solution. This had me to try to pay XXXX double per month, which was a harder struggle. This was not a good system.. I let them know that it was n't working.. Then they came up with this ( work out packet ) .. This paper work is long and complicated. It required all of my finances, and sense I 'm a retired vet, most of my paperwork took weeks to get.. Well Stonegate said that my time had run to fill out the paperwork, and in that time my home was placed into foreclosure status. XXXX XXXX, auctioned off. I must mention that during the time I was struggling to get this packet filled out, They told me that no payments would be excepted until the packet was filled out and approved.. I feel like I was n't give they proper info or chances to save our home.. I was not told about the programs available for loans like mine.. They never mentioned the Counciling that is available.. Now I 'm being sent notices that a dispossessory has been filed against me. I really need help to save my home ...

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 2015-12-02
Company: AR Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I contacted the debt collector because the debt should not been report to the credit bureau because my insurance was never billed. I contacted the reporting agency AR resources inc and spoke with a representative by the name of XXXX on XXXX/XXXX/15 at XXXX est. When we began the call XXXX explained what the debt was for. I advised her that this was the hospitals fault because they did not bill my insurance. XXXX then stated that this was not the case the insurance was billed and I was responsible fro the remaining balance. I advised her this was not true because I call the insurance and I was advised that they had never been billed for the service in which I was responsible for XXXX but they had received a bill which I was responsible for XXXX which was something completely different. I advised her with my insurance they would never make me responsible for XXXX when it was only in and out service. She then proceeded to tell me I was speak on something I knew nothing about. I tried to explain it again thinking that she maybe did not understand me but she then said I was cutting her off. I asked to speak to someone else she told me no and proceed on with what she had to say. I let her finish and after she was done advised her again I wanted to speak to someone else she said sure and she was getting me to a supervisor in which she just sent me to the supervisors voicemail I let a message and have never heard anything back in regards to my complaint. I called back again and XXXX must have know it was me from caller ID because I was repeatedly hung up on. I finally got another representative explain the same situation and she said they did try to bill the insurance in XXXX but did not get a response back so she took down my insurance information and stated that it could take 30 to 45 days to be completed. I just did not understand why XXXX could not give me the same service I have never had anyone speak to me the way she had.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: S&S Physician Services, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I was a victim of identity theft and noticed a collection from HARVEST ASSOCIATES I 've attempted to dispute multiple times however no response on their end. Not sure what else to do. Police department told me to contact the federal trade commision which I wrote a formal complaint against HARVEST ASSOCIATES in regards to this matter. The FTC also instructed me to complete a id theft affidavit through identity theft.gov. Attached is my document. Thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: Rocket Mortgage, LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In the beginning Quicken Loans made my husband move out of state and actively be working in the state we were going to buy in. We were given a closure date and when we were XXXX hours from home they pulled the date stating they could n't verify his employment and leaving us homeless. They are now claiming this didnt happen. Even though I have proof. They refused to give us a copy of escrow, and my husband did work there. all because they didnt update their systems. They lost tons of our documents. ( more info on request ) Then we asked to refinance I asked them not to call my work. They called my work and due to the company I worked for I XXXX. When they sent a appraiser he was an hour late. He compared our two story house to single story homes. The appraiser moved our house on a map. He moved it to the bad side of town. QL loans said they cant help me even though its the company they pick and use for 80 % of their apparels.I had to file a report and have him convicted with the appraisal board. We were forced to file bankruptcy. My attorney had to threaten them three times to restart sending statements ( more info upon request ) Several times over the years we just randomly stop getting statements. This went on for 6 month over the last year. They are misappropriating funds over this last year. It was explained to them multiple times that all extra moneys be sent to principle. We set this up years ago. They changed my loan without notification to prepaid. All extra money on accidental over payment have been payed to the next bill. We have been fighting this for the last year. XXXX XXXX is the only one that will deal with our accounts. Our number are all directed to her VM only. She hasnt helped us in the last year. Im having to call monthly-ish to fix our stuff. She out right refused to help us in XXXX. The extra money should have gone to the principle, but it went to the next payment. She stated she didnt know what to reverse so either they reverse something and we occur a late fee or we leave it and we " lose the money ''. Speaking with her has caused me to get severe hives. I have file endless complaints and they all seem to go to her. She never at fault, but they wont fix our issue. ( more info upon request ) This is the only thing my husband and I argue about. They are ruining our lives. I have tons of proof to the horrors of the last several years. Ive filed complains to QL and XXXX. 
It seems QL is to big and no one will help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-04
Company: BB&T CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
The company reported a late payment on my report when I informed them that I set up my auto draft on heir website. I 've asked them to remove the late payment and I set up the auto draft through my bank instead. They refused. My score dropped because of this.

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 2015-04-02
Company: SELECT PORTFOLIO SERVICING, INC.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Back in 2011 my Notary sent an administrative process to XXXX XXXX XXXX using a Private Registered set-off Bond for XXXX. They never returned the negotiable instrument therefore it is discharged according to XXXX XXXX they refused the payment by sending me a frivolous letter. Then they transferred the mortgage to the current third party which is Select Portfolio Inc. SPS reinstated the foreclosure process and I saved the house by entering bankruptcy. Now I have sent another XXXX private forms of payment-an EFT check and an XXXX - ( also sent to IRS in XXXX KY XXXX. They did not return the EFT check-another example of XXXX, XXXX XXXX and Public Law 73-10 which states that institutions are not allowed to pick and choose what types of payments they can accept. By not returning my instruments these service companies can enrich themselves at the discount window without granting me credit on my mortgage. This would be considered Grand Theft. I demand that they release the lien on my property immediately and restore my good name.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-30
Company: Merchants and Medical Credit Corporation, Inc.
State: SC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I 'm currently dealing with issues between " XXXX of XXXX '' XXXX XXXX and " merchants and medical '' of XXXX. In a nut shell I received phone call on XXXX XXXX to pick up items left by a dumpster or I ' would be fined. Later in XX/XX/XXXX, while receiving no fine via letter or phone call from storplace, I received a phone call from m & m in attempt to collect. I explained what was going on to them ( m & m ), the guy whose name I do n't remember, said I undestand. That was the last I 've heard of it until I apply for my first mortgage loan. I found out the fine was turned over for collection on XXXX XXXX ( 8 days after phone call from storplace warning ). I just want this cleared from my prior pristine credit history as it is unfair and not ethical. Also the fine amount indicated by storplace via m & m is not mentioned in the contract. I have requested copies of my lease agreement from storplace, they said I would have to get it and all information from merchants and medical.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: NATIONSTAR MORTGAGE LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We contacted our current lender ( Nationstar Mortgage ) about refinancing our home to a lower interest rate and was denied several times. Our current interest rate is 5.5/8. We have been with them for over 8 years ; never been late or missed a payment. Our credit scores are in the XXXX. We was asking for a 15 or 20 year loan. They sent us 40 year 4.5 interest rate which we turn down.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Problem with personal statement of dispute

Complaint:
Called Equifax in XX/XX/XXXX to have my comments/personal statement removed from my credit report because I was in the process of applying for a mortgage and the underwriter wanted my comments removed. Not any of the comments/personal statement notes were removed after my initial request. 
I called Equifax back in XX/XX/XXXX and nothing was done and no one had any record of my request. I again requested that the comments/personal statements be removed. I called back and a " customer service " supervisor '' stated that I was given erroneous information and that a dispute form was not needed and a statement was easy to remove. I was told that this may take 30 days to update. I check back 30, and 60 days to see if any changes were reflected on my credit report. I waited and as of XX/XX/XXXX, all of the cases that I opened have been closed as completed and nothing has been done about my multiple requests to have my comments/personal statements removed. I ran my credit report on XX/XX/XXXX and all of the comments are still showing on my credit report. This is delaying my opportunity to obtain a mortgage. I need immediate attention to this problem completed ASAP.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-26
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Hello, I own a Credit Card from XXXX. 
I log in to my account from XXXX and I choose automatic payment withdraw for monthly payment. After 3 weeks I XXXX to log in to my account to look at my balance. I XXXX to many times to log in to XXXX Website, I decide to cool Customer Service regarding this problem with they website, They told me my Account is close and they block my Credit Card for IDENTITY TEFT and they will send me a new one and not to worry about that. I just have to wait to resave my new Credit Card and log to my account. I have to find out on my Credit Report XXXX charge me let fee and reported on my credit report.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: SELECT PORTFOLIO SERVICING, INC.
State: MI
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I have a XXXX mortgage with Select Portfolio Servicing XXXX Inc. XXXX " SPS '' ). I moved out of the mortgaged property, but still own it and continue to make payments on it. As soon as I moved out, SPS stopped sending me monthly statements. I have called SPS XXXX months in a row, and they have promised to fix the problem, but they still have n't sent me a statement since I moved out. I am up to date with my payments to SPS, but I am concerned about whether they are applying them like they should be. Without a written statement, I am unable to verify whether SPS is reducing my principal each month like they should be. I have provided SPS with my forwarding address, but that has not done any good. For the past few months, SPS has not sent statements to either the mortgaged property or to my new address.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation