BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-09-17
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got a mortgage from PNC Mortgage for my home. When applying for the mortgage I was told by my loan officer, XXXX XXXX, that I would be able to make bi-weekly payments that would be applied to the loan immediately and not sit in a holding account until the second payment arrived. I am now finding out that PNC 's bi-weekly payment plan holds the first payment in an account until the second payment is made, forming one monthly payment. Being able to make bi-weekly payments that are applied immediately to the loan was the main reason I chose PNC, but now I have learned that I was lied to. The conversation I had with XXXX was on a recorded line and I asked him this on XXXX separate occasions. This is the second issue that I 've had with PNC making false advertisements/claims to me on a recorded line XXXX XXXX call would have been around XXXX XXXX give or take a week ). Their actions are unethical and illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
PNC Bank charge me XXXX inappropriate overdraft fees for no reason. Per my account history I clearly had all the money in my account needed to cover all transactions. They took it upon themselves to just take XXXX {$36.00} charges out of my account completely unsubstantiated. When I contacted customer service they said they refuse to refund the money because " they do not provide courtesy refunds ''. This is not a courtesy, this is my money that they had absolutely XXXX right to take from me. This is theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
Product: Checking or savings account
Sub-product: Savings account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I deposited a personal check in the amount of {$1000.00} on Saturday XX/XX/2021 to my Bank of America account at an in-person teller. 

I was told at the time of deposit that a hold would be placed on the funds until Wednesday XX/XX/2021, which I took no issue with. 

Later, I was notified that the hold would be extended to Wednesday XX/XX/2021 which, to my best reading of the Expedited Funds Availability Act, is in violation of the law. 

Regardless, after I could not get the hold released, I asked for {$400.00} of the funds which, again, the XXXX appears to entitle me to at *least. * Again I was told they would not release a single dollar of my money. 

I even brought up the act and the person I was talking to was doing internet research on it just to figure out what it even is .... which indicates to me that the bank is likely just dismissing the provisions of the act if their own employees arent at all familiar with it. 

No written notice was given that were enacting any kind of exception hold ( and even if they had, that would expire before they release my funds anyway ) and no explanation was given for the full week extension of unavailability of the funds. 

This is very frustrating and, as far as I can tell, illegal. 

I doubt that any action will be taken that could remedy my situation any faster than just waiting another 6 days will, but hopefully there is something that can be done to force them to follow the law. 

Thank you and take care. 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 2016-10-12
Company: PNC Bank N.A.
State: SC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I wish to pay down on my mortgage so that I can get below the 80 % to remove pmi insurance and _escrow. Before I am allowed to do this I have to pay {$500.00} and have the home revalued. I told them all I want to do is pay them {$30000.00} and their response was that without the assessment the pmi and escrow charges will not be removed, and it will cost me {$500.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Stearns Ventures, LLC
State: UT
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My VA loan is serviced by Stearns Lending. I make monthly payments through auto-draft/ACH each month. I see the payment come out of my bank account on a monthly basis, as scheduled and established through Stearns ' website. However, I occasionally get auto-dialer collection calls for past due payments. How can this be, when I have auto-draft scheduled? The payment is made on time, on the same date every month, and is automatically deducted from my bank by Stearns on a monthly basis. So, why am I getting automated collection calls and why is my loan " past due '' if the payment is pre-scheduled on auto-draft?

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 2015-12-01
Company: Podium Mortgage Capital LLC
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I setup a payment online as I made previous payments on time with no problem. This was on XXXX I recently changed my Checking account number due to a car theft ( check book was inside car ). Went online and made ( so I thought ) payment scheduled for XX/XX/XXXX. one week later I noticed nothing was deducted out of my checking account, so I called back and they said it would take 10 - 12 business days even though I made them before and it took about 48 hours to process. The Customer service representative insisted nothing was wrong. Only to find out when I returned from vacation to find a late payment notice and an additional {$34.00} plus a {$25.00} submitting fee would be added to my account. I called back and the agent said they could not reverse the late charge due to not having a 12 month reporting history on my payments! THEY JUST BOUGHT MY LOAN, THIS WOULD NOT BE POSSIBLE!! I would like this removed from my account because I even followed up with them before the payment Due date and they did not want me to make a payment since one was processing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-05
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I have disputed 8 times with EQUIFAX for the last 6 months that the address XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, TX XXXX listed on their credit report is not my formal address and they do not correct that, they have removed it once but by the next month it was listed again, because of that I received collection bill related to that address.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-19
Company: CITIBANK, N.A.
State: MD
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: Their investigation did not fix an error on your report

Complaint:
In late Fall XXXX there were fraudulent charges to my Macy 's credit card. I reported the fraud to Macy 's and was told not to pay the balance, that Macy 's would take care of it. Macy 's did not take care of it. When I received my next statement my account was marked as late with the charges remaining. I called Macy 's again and was told not to pay, everything would be removed from my account. The charges were still on my next statement with additional late fees. This cycle happened ( call, be promised everything would be taken care of, find out things were not taken care of ) until late XX/XX/XXXX when I finally got someone to remove the charges. The charges were finally removed and Macy 's sent me a letter saying they would remove all charges and fees and report the situation to all 3 credit reporting agencies. I should have stayed on top of my credit report, but I did not. Looking at my credit report in XX/XX/XXXX I noticed that the late notices are still on my credit report from Macy 's. I filed a dispute with all 3 credit reporting agencies, uploading a copy of the letter Macy 's sent me. I called Macy 's to inquire as well. Macy 's performed " an investigation '' and told me " the charges were made in XX/XX/XXXX and weren't paid until XX/XX/XXXX ''. I told them what actually happened, and was asked to fax them the letter that they sent me, because they did not have a copy of it. To reiterate : I had to fax Macy 's the letter they sent me, because they did not have a copy even after their " investigation ''. I never heard from them again after sending a copy of the letter they sent me. My disputes with the credit reporting agencies came back " verified the information on the credit report is accurate '' even though the letter I attached to my dispute directly proves that it is not.

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 2021-03-05
Company: DISCOVER BANK
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have two accounts on my credit reporting that are fraudulent ; 1. Discover Card : I have no knowledge of the account. 

2. XXXX XXXX XXXX XXXX : Card was stolen and reported to XXXX XXXX XXXX and it was never resolved of the fraudulent charges. 
On XX/XX/2020 called to report the card was lost/stolen ( reference # XXXX ) Follow up on XX/XX/2020 and completed forms for fraud charges. Emailed to XXXX XXXX Followed up again on XX/XX/XXXX with Fraud Dept.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-04
Company: ERC
State: UT
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Enhanced Recovery is reporting an erroneous debt on my credit file. I recently checked my credit and noticed this debt reporting on it. I was very confused as it said they were trying to collect for XXXX XXXX. I have never had an account with XXXX XXXX XXXX or XXXX XXXX so I'm not sure why they are reporting on my credit. I never received any notices, calls, or notifications about this debt and that violates my 30 day right to dispute. Had I received proper notice they would have known that this account is not mine and it must be removed. I suggest they find who this belongs to.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Select Portfolio Servicing : Fraudulent loan modification application from Mortgage Servicer. Loss of documentation. Incomplete response to QWR. Dual Tracking during loss mitigation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-07
Company: Sullivan Asset Management, LLC
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
On XXXX XXXX, 2015 around XXXX I was contacted through XXXX by a relative that they had been contacted by an XXXX XXXX at XXXX about my debt. I did not give permission to contact this relative nor did I list this relative as a person of contact on my payday loan application. I do not personally have this relatives contact information and they do not have my we are not close and only communicate through social media. This is a clear violation of Fair Debt Collection and also an embarrassing, conflicting, and confusing situation in which this companies debt collecting is practicing. It is unacceptable and violates XXXX. Communication in connection with debt collection [ XXXX XXXX XXXX ]

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: FISERV INC.
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX XXXX - Fiserv for there online banking payment. I spoke to an agent @ Fiserv XXXX ( XXXX XXXX ) with her supervisor sitting with her. She was confused with the questions I asked with changing the answer several times. Frustrating and out of patient, I asked to speak with her supervisor which she replied " I can take your name and she would call me in 48 hours. I told this was imperative the timeframe is unacceptable but repeated several time with the supervisor listening to call. Finally after 30 minutes of incorrect information and refusal to get the supervisor ( XXXX XXXX XXXX, the supervisor ( XXXX XXXX XXXX got on the phone. I asked the question " so you were listening, I do the same thing with my new agent ... the only different is I would not stress the new agent because she still learning. I would have taken the call to avoid a Bank Legal Issue. The scary thing was XXXX as supervisor ( XXXX XXXX ) could not explain anything either. XXXX asked me for phone number and would call me when she get to her desk because she was sitting with new agent. OMG.. I said " so you were listening..she answered yes... I said your comment getting back to your desk. i think she return the calls but I was on the phone XXXX. I requested transmitting information t compare before filing a complaint against Fiserv and XXXX so there will be 2 complaints against financial and processor ( Fiserv ) institutions. On XX/XX/2022 same day as contact Fiserv and they said to call XXXX so I did. 
XXXX XXXX XXXX ( XXXX ) says online electronic payment are sent to the recipient but the recipient have to accept it before they send the actual payment. That's incorrect the financial institution sent the payment through clearinghouse ( in Batches when the payee like XXXX XXXX XXXX ) then once recipient receive and post the payment. Aslo, stated the updating payment confirmation number started with XXXX which totally wrong and misinformation to avoid accusing XXXX I have several scenarios o XXXX Bank online Bill Pay and I found the following : - Online payment confirmation numbers begin with XXXX - Canceling a pending payment confirmation numbers start remains the same - Edit a pending payment confirmation number start with 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 2021-03-05
Company: Bridgecrest Acceptance Corporation
State: NV
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: Investigation took more than 30 days

Complaint:
I was in a car accident on XXXX hit from behind the insurance company and the gap insurance paid off my car loan with Bridgecrest long story short is my account is closed but bridgecrest give me an late payment on my credit report for XX/XX/2021 which has dropped my score on my credit and the credit bureaus is doing nothing to fix the problem

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 2021-03-04
Company: Mr. Cooper Group Inc.
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My 1098 has not yet been provided to me via the web portal or via mail with Mr. Cooper. It has been 36 hours since I initially contacted Mr. Cooper and I have yet to receive any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-25
Company: Rocket Mortgage, LLC
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX, 2015To whom it may concern : I would like to file a formal complaint against XXXX XXXX, XXXX XXXX XXXX, and XXXX XXXX XXXX, XXXX, their appraiser. 

In XXXX of 2015, I made application for an FHA loan with XXXX to purchase the home I was renting. I then paid them {$480.00} for an appraisal. The appraisal was done and I received a black and white copy. Unfortunately, XXXX began asking for strange documentation, implying that I was likely laundering money, which I was not. In XXXX XXXX, I decided we were at an impasse and made application with another company. The new company, Pacific Union Fianancial, asked for the FHA case number to be assigned to them, which it was, and for a color copy of the appraisal. It took several weeks, but eventually a color copy was provided to them. 
Pacific noted thast the appraisal called for certain repairs that needed to be done. It also failed to note that the seller was paying {$4500.00} torward my closing cost. Pacific Union, my mortgage broker, and I all requested that the appraisal be corrected and a final inspection would be needed. We spoke to XXXX, XXXX, and the appraiser. Each refused to cooperate despite FHA regulations that require them to do so. Eventually, we had to pay {$450.00} for a new appraisal. 

The time lost in attempting to get what should have been provided required several rate extensionswhich caused us not to get a lender credit of {$660.00} which we would have received had XXXX and it 's appraiser followed FHA rules. In addition, we had to pay {$450.00} for a new appraisal. We believe we are entitled to damages of {$1100.00}. 

Sincerely, XXXX and XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Resurgent Capital Services L.P.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a letter in the mail saying that I owe a balance to LVNV Funding, LLC and that my original creditor was XXXX XXXX XXXX, NA. There are no details in the letter except that they are suing me for wage garnishment for {$1500.00}. I don't remember having this high of debt owed. I was paying for protection on my credit cards and back in XX/XX/2015 I lost my job and was financial unable to pay anything for almost a year. I would like to find out how to verify this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: AMERICAN EXPRESS COMPANY
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
Hi and how are you doing? Im not sure who to take this to anymore, but Ive disputed this account several times with both the original creditor and the credit reporting agencies accordingly and Ive attached everything to support my dispute. However, I continue to received a pre-template letter sent to me that its been verified and it REMAINS. How is it possible that this was verified if you continue to report incomplete, inconsistent, inaccurate, and unverifiable information on this account and a thorough and in-dept investigation. Ive disputed and I havent received anything as such, but it continues to be reported in violation of the consumer laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: Experian Information Solutions Inc.
State: KY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
Experian is reporting reporting a taxlien on my report that has been dismissed because it was filed in error by XXXX. This has long been removed from my other XXXX credit reports. I am uploading a document that may better shed light on the account in question. This is my only public record thats is reporting on any of my report 's. Please review the document, investigate, and remove. Thanks.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I disputed a debt with XXXX XXXX and they filed a lawsuit, lawsuit was dismissed by a Maryland State Judge, yet the information is still showing in my credit report. Once a Judge dismissed the case, the debt is over, the Court says I do n't have a to pay it. Further, every XXXX years XXXX has been submitting " write off '' in an attempt to keep the debt active. MY reading of the data on the internet says that this is illegal. I have lost many jobs and Experian, XXXX and XXXX refuse to update this case. This has been going on since 2008! ( Case Dismissal is attached )

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-05
Company: TIDEWATER FINANCE COMPANY, INC.
State: CA
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: Investigation took more than 30 days

Complaint:
I filed a dispute in regards to the incorrect items on my credit report and its been well over 30 days and I havent received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have been a very loyal consumer of XXXXXXXX XXXX for many years, and I need your assistance. I have this account with XXXXXXXX XXXX ( please see the Letter which I attached ) that I always paid on time. 

There was a period of time ( XXXX XXXX ) in my life that was very difficult to handle due to a XXXX emergency ( XXXX ). I always tried my best to get every payment to you on time but there was 1 time that my payment was received 30 days late. Before that hard time and ever since I have regained control, I have made every effort to be a loyal paying customer, even paying early at times to ensure that your company suffered no loss.

Well, that hard work has paid off and I now have years of good standing credit with your company, with the exception of this late payment. This payment is extremely damaging me in a lot of ways, mainly it is damaging my chances of credit availability.

Company response to consumer: Closed with explanation