BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: PNC Bank N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage is in foreclosure because I was laid off from my job over a year ago. I now have a new job plus I will be back at my old job come XX/XX/XXXX. I was originally slated to go back to my old job XX/XX/XXXX but due to funding it was pushed back to XX/XX/XXXX as that is when the new funding cycle starts. I do have a job that I started on XX/XX/XXXX on a year employment contract with another client. Unfortunately the mortgage company has been extremely difficult and refuses to acknowledge my other form of income. My current employment contract was sent to them on XX/XX/XXXX via XXXX, the counseling center I am working with. Instead of them looking at the paper work from the stand point that come XX/XX/XXXX I will have XXXX jobs. They are trying hard to push this foreclosure through so that they can take my home. Mind you the payments are fairly low so with just my new job I can pay the mortgage and they know this. 
We have been diligently trying to work with PNC Mortgage to rectify this matter but I sincerely believe that they are engaging in scrupulous mortgage practices to try to take my home because of the equity that is in it. I have had this home for almost twenty years and have finally gotten to the point where I no longer have to pay interest and all the payments were going straight to pay off the principle balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: PNC Bank N.A.
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have an account with PNC Bank a/c # in XXXX FL. On XXXX/XXXX/2015 I noted a pending premature charge of {$74.00} from XXXX ( # I had authorized them to charge my account on XXXX ), however they processed it early. I called the bank to advise that the charge should not be paid, as it was early. They said there was nothing they could do until it was actually charged and to call back after the charge was posted. I called XXXX and they admitted the charge was early. ( recorded conversation as they always advise ) Today it posted and I called and on a XXXX, XXXX said they would refund the charge. The bank charged me {$36.00} for an overdraft fee which the refuse to reverse. This was not my error but the bank said their policy was not to refund OD charges ( XXXX, XXXX, XXXX, XXXX ). I spoke with a supervisor ( XXXX ) who said the same thing. XXXX claims that I authorized the premature charge but I clearly stated the policy should begin on the XXXX of XXXX. I asked for printed proof of the early authorization to charge but i was not available ) Both are unclear about who is responsible for refunding the fee. 
I am a senior citizen on Social Security and {$36.00} means a lot especially a week before my next payment. I think the bank should do the refund as I advised them in advance not to post the charge ... they did anyway plus the OD charge and no one wants to make me whole ; refund the {$36.00}. .Whoshould do it ... I think the bank should, I told them not to process the charge in advance and they did anyway I need the {$36.00} I do not need to give away money like that..I did not make an errorThank you

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-09
Company: PNC Bank N.A.
State: MD
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
Recently, my daughter and I settled on a house she was purchasing for herself and I was selling on behalf of my parents ' estate. My now-deceased father had a reverse mortgage ; so, essentially, my daughter refinanced the home in her name. Throughout the process of my daughter obtaining a loan from her financial lender, the reverse mortgage company and it 's attorneys pursued foreclosure. During the process of attempting to take over the property and without the knowledge of the estate, the reverse mortgage company made a highly unusual payment of taxes on the property. As the personal representative over the estate, I also paid the taxes. I was later informed through the title company that the taxes were current through XXXX 2016 and that the overage would have to be settled on the day of closing. However, instead of the title company XXXX XXXX XXXX XXXX of XXXX XXXX Maryland XXXX remitting a check due back to me as the seller on behalf of the estate, XXXX XXXX XXXX illegally credited the reverse mortgage company money including part of what the estate had paid. In an email message to the reverse mortgage company requesting the refund due to the estate, I copied the title company. The title company 's representative was very rude responding to the message. However, in her rude response, she states that the money is/was due to the seller. XXXX XXXX in representing XXXX XXXX XXXX used her position at the company to require my daughter to send money to XXXX XXXX in order to close on the desired property. She also used her position to illegally falsify documents in order to credit the reverse mortgage company and finally made an unauthorized wire of funds to the reverse mortgage company that was due to the seller/estate. The actions of XXXX XXXX Company and/or it 's representatives lead me to question how many times they have falsified documents in hope and anticipation of the seller and buyer 's lack of knowledge. Please address this current issue with XXXX XXXX Company. Additionally, an audit of their previous records and dealings should be conducted.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: NY
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 WITH THE CREDIT REPORTING AGENCIES IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS, I NEVER RECEIVED ANY NOTIFICATIONS IN REGARDS TO THE INVESTIGATION RESULTS. ITS HAS NOW BEEN OVER 30DAYS, I FILED A METHOD OF VERIFICATION TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE NOT YET TO RECEIVE ANY REPONSE. 

INITIAL DISPUTE XX/XX/2020

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 2017-02-27
Company: RoundPoint Mortgage Servicing LLC
State: IN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Statement filed with BBB and Roundpoint mortgage on XXXX/XXXX/XXXX : I acquired a mortgage on XXXX/XXXX/XXXX and began making bi-monthly payments of {$320.00} beginning XXXX/XXXX/XXXX. the first payment was not due until XXXX/XXXX/XXXX, so I should have been saving some interest as well as having about {$100.00} additional applied to my principal. 

Come to find out, they have this set up so that I can not save on interest. Money is being put into escrow. additionally, funds received prior to the first of the month are not being applied to the intended month at all. there is no way for me to get ahead the way that they have this set up. 

I called today to have my due date changed to the end of the month so that I can make my payment early in the month and save on interest, as well as not worry about late fees when using direct deposit. I get paid on the XXXX and the XXXX so if I do bi- monthly payments, I will never be on time the way that they have their system in place, even if I am paying ahead. If my due date is toward the end of the month, say the XXXX, we will have no problems. 

I will appreciate any assistance in clearing this up. All I want to do is make my mortgage payment and save a little interest the way I was told I would be able to do so. 

I was told today that I would have to refinance to change the due date, this seems like a crooked statement to me and I will not accept that. I will not hand over thousands of dollars to refinance a mortgage just to change a date on the papers. 

Thanks, XXXX XXXX Since filing my complaint, I have continued to make my payments as I have. I received a payment coupon mailed on XXXX that stated my outstanding principal was {$75000.00}. I received another mailed on XXXX, my outstanding principal is now {$75000.00}. How does my principal go up {$410.00} in 4 days when I have been paying extra toward my mortgage from the beginning? I get no answers from Roundpoint. I was on hold for 45minutes earlier today.

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 2016-08-19
Company: TCF NATIONAL BANK
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
For the past few months, I have been receiving unwanted phone calls from " XXXX '' at Gateway One Lending. If I answer the calls, there is a short pause followed by a recording by " XXXX '' stating that she must contact XXXX XXXX immediately. She leaves the following contact number : XXXX ext XXXX. I am not XXXX XXXX ; nor have I ever know a XXXX XXXX. My wife and I have now returned the call twice. The first time I was told by the representative who answered that she could not find my phone number in her system and that I should answer when the phone rings to tell XXXX ( or whoever is calling ) that I am not XXXX XXXX and request that my number be removed from the files. When I answer the calls, there is not a real person on the line, just a recording by " XXXX ''. Today, my wife returned the call only to be told again the representative answering could not access the files to delete my number. My wife then spoke to a " supervisor '' who could do no better. She did offer to leave a message for her supervisor and promised to have the problem rectified in a day or two. Frankly, I do no believe that will happen so I have decided to report this harassment. My next step will be to contact an attorney in an attempt to sue for the unwanted calls. I am on the " do not call '' registry.

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 2016-08-14
Company: RoundPoint Mortgage Servicing LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Roundpoint Mortgage is undoubtedly prolonging my PMI termination request by three extra months as they supposedly conduct an investigation to my original request to them for termination. This appears to me again as an attempt to unjustifiably collect as much profit from a responsible mortgage payer as myself who has never been late or defaulted on any mortgage payments in over 20 years of home ownership with a XXXX plus credit score and a home that well surpasses the original 80 % LTV in todays market for this area

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-28
Company: LD Holdings Group, LLC
State: HI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan Servicer has changed address to send payments to without informing me causing payment processing problems, for which servicer is attempting to blame me. 
Loan servicer has improperly reported me to credit bureaus as late or delinquent when this is not the case. 
I am presently current in my payments per loan agreement, but Servicer continues to harrass me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Franklin Collection Service, Inc.
State: AL
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Between XXXX to XX/XX/2020, I have written to Franklin Collection three times asking for debt validation and proof that my HIPPA rights were not violated in their purchasing or being assigned this alleged debt. They have not responded and at this point, after 6 months it's time for this to be deleted!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: LD Holdings Group, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a loan with Loan Depot XXXX. The process was a nightmare but I have a specific complaint about the loan. Loan Depot sells the loan to a 3rd party. They approved and " funded '' the loan on XXXX XXXX. That is when I started paying interest on the new loan. However they did not pay of the old loans until XXXX XXXX. I was charged duplicate interest for the loans during that period of time. I should not have to pay interest on a new loan until they actually fund the loan and pay off the old loans.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-29
Company: Diversified Consultants, Inc.
State: TN
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:
XXXX charged me XXXX for services I never received The collection was initiated by XXXX and was closed and then a year later was reinitiated by Diversified Consultants I have sent registered letters to Credit Bureau 's and have been removed Now its back again I really need help on this I have a great credit record and never owed anyone for a collection

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We are repairing our Kitchen and flooring under an insurance claim to address water damage. USAA, our mortgage company, is unreasonably holding our claim money and preventing us from paying our contractor. It was very difficult to get OUR money from them to even begin the work, and will only give us add'l money once we are " 50 % '' complete ( as they define it ). We have signed affidavit from our contractor, stating we are more than 50 % complete. The repairs were fix plumbing, mold remediation, fix floor, rebuild kitchen. Plumbing is fixed, mold is gone, approx XXXX sq feet of XXXX sq feet have been tiled and grouted, permits for kitchen pulled, appliances, cabinets, and counter ordered. They wo n't return our calls to schedule and inspection to determine that more than 50 % has been completed. They have been rude and uncooperative. This is OUR money ... we 've done nothing wrong. We 're just trying to get our house fixed. Because of this, we 've had to put most of the work on credit cards, incurring debt and having to pay interest. This is ridiculous. USAA has been more frustrating to deal with than our insurance company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-03
Company: Advance America, Cash Advance Centers, Inc.
State: RI
Product: Payday loan
Issue: Charged bank acct wrong day or amt

Complaint:
Advance America charged my bank account that was already closed after the date the loan was due. 
I was expecting this check that I had written them to post the day the loan matured. I then received multiple fees and it caused another payment to return because of those fees ( {$35.00} each and they presented it twice plus the one that returned because of those fees ; resulting in XXXX in overdraft fees ) which ultimately led to my bank account being closed. 
Additionally, they have been advised via written notice to not contact my place of employment and they have called 4 times a day since the notification went out on XXXX XXXX, 2015. This company is putting me at risk of losing my job.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: Diversified Consultants, Inc.
State: IN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I never received any notification regarding a cable bill that I do n't remember not paying. I would like to get a copy of this bill showing the company name and address of service. I also would like to know the reason this bill was send to collection without my knowledge. This account just show up on my credit recently the last week he was never reported before, so I assume that it 's a mistake and I request this to be removed from my credit. I getting phone call from collection I never get before with treat and harassment from this company

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: Diversified Consultants, Inc.
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
This has been going on far too long. XXXX XXXX has been harassing me and hiring different third parties to collect from me. A bill was deleted from my credit report of {$260.00} through a third party they hired XXXX due to it not being mine and i have spoken with over XXXX reps directly through XXXX XXXX and all sources of management. They will try to force an amount on you without hearing anything you have to say and make up illegal type threats and force this account on me. I have told them several times stop contacting me and they still find other parties to call me about this. It is frustrating i have to provide every single third party with the same exact information i gave to get this cleared up the first time.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Cascade Collections, Inc.
State: WA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Cascade collections keeps damaging my credit when we went to court and the judge ruled in no ones favor meaning I owe them nothing they owe me nothing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Capital one has placed outdated collection information on my credit report, concerning the Payment protection settlement agreements. I never received compensation for the XXXX account I held with Capital One, concerning the Payment protection add on services. When I notified the previous debt collection company that they were violation of the Settlement agreement administrative proceeding file number XXXX and The FCRA laws by contacting me regarding the debt which arose from not being able to use Payment Protection on the Capital One cards,. I asked the firm who contacted which stated Captial one transferred the debt to them and I asked for information on the transfer process and was not given any information, on how the debt was obtained. XXXX, XXXX, XXXX, XXXX XXXX XXXX, XXXX/Capital One then started a lawsuit against me for not paying the debt in Nevada State court when it should have been filed in Nevada Federal Court, concerning the original settlement agreement administrative proceeding file number XXXX and CASE NO. : XXXX. I explained and the debt demonstrated that I was protected under the class action lawsuit, so this should have occurred. The attorney should be sanctioned for not filling the case in Federal Court because it seems they were deliberately trying to hide the fact that I am a class action member and they did not care about the prior settlements XXXX prior settlements. I was told we must go into arbitration in the original terms and conditions and this did not occur as well. case number - XXXX Nevada justice court.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
XXXX/XXXX/15 I deposited a computer generated check at the Capital One bank in XXXX XXXX Tx, & have a deposit reciept. The bank has since lost my deposit, & have no trace of my check or the finances. I have contacXXXX the check writer and will have a copy of both front and back of the illusive check, as well as the deposit reciept. I drove the check to the bank and have a witness when I deposited the check. The bank has not depositted the funds or even acknowledge that the check ExIsts. I have The proof in a reciept but the bank will not honor the deposit. Now although I worked and received a check fRom my empemployer and depositted the check Capital one will not honor the check. I 'm colecting all necessary information. And will be notifying the police monday as the amount they are holding is over XXXX dollars. I belIeve that makes the amount being with held from me illegally a grand theft charge. I intend to press charges as I did my part and the bank is not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One has refused to credit my account and have rebilled my account for erroneous charges. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ; ... XXXX {$89.00}. Open Drawer XX/XX/2016 INTEREST CHARGE : PURCHASES Interest Charge ... XXXX {$63.00}. XX/XX/2016 Other Services TRANSACTION REBILL Other Services ... XXXX {$86.00}. XX/XX/2016 Merchandise TRANSACTION REBILL Merchandise ... XXXX {$170.00}. All these charges have been rebilled to me and they have applied interest to my account for about {$340.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased a used car and purchased Gap ins also. When the car was totalled, Capitol one wanted me to pay the remainder of XXXX. I told them I had Gap ins. and they replied that I had tp pay them first and get re-in=mbursed. I refused. They then said I had late charges to pay and that was XXXX. They lied, car was all current, they then said i owed the XXXX ... for what I do not know. I will not pay since insurance was supposed too. It has been over 7 years and they still haveit on Credit Report.

Company response to consumer: Closed with explanation