BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-21
Company: PNC Bank N.A.
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Good Day my name is XXXX I am filing a complaint with PNC Bank due to there neglience not retaining or recovering my expense of XXXX that was submitted through there branch in XXXX Maryland on XX/XX/2017. The Gentle man name was XXXX who took my Debit Card and Driver License never explain the details of how this process work. I discover this debt out of the checking account the very next day XX/XX/2017 I came to the PNC in XXXX, which i ask the representative did the XXXX get debit out the count she informed that was a wired transfer whereas i shock. I learn that that this was a debit not a wire transfer which I am provided to this office for further investigation. On XX/XX/2017 PNC customer care put a Security alter on the account which was documented. XX/XX/2017 The actual dispute was filed with no results of getting money. I was told by the wire transfer department that I would see results by XX/XX/2017, or XX/XX/2017 whereas PNC given myself and XXXX who is my son cause there are direct deposited that enter into the account. PNC instructed me on XX/XX/2017 to reopen up a another account so that the XXXX can come through which Myself or XXXX ( son ) can transfer funds to new checking account. Therefore there been nothing done. I spoke with XXXX who lied to me on XX/XX/2017 alleged this Federal Reserve Program to get the funds cause they are the ones that are responsible. XXXX indicate to me that they never heard from XXXX due to Federal Reserve that it will take more than 10 days. PNC ask me to block there email address which I did. I also filed a Police report through XXXX XXXX XXXX Maryland whereas they told me when fundings are enter into another country. PNC is responsible for recovering your funds back to your account cause it is Federal Insure money. I have documents I never received jewelry at all from XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-22
Company: POPULAR BANK
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Popular Community Bank 's mobile application lists completely surcharge free atms on a map around you. I went to a listed surcharge free atm and was charged an atm fee and a bank fee. When I called Popular Community Bank customer support they said the atm was no longer in their network. Upon further questioning I was told the atm list has n't been updated since XXXX ( 7 days ). They said they 'd only give me a credit for the bank fee and not the atm fee because their system was wrong but it makes me wonder how many other consumers got stiffed with bank fees when unknowingly using atms that had not been removed from the app. I was not able to find out how often this happens. In their 2015 annual report to investors, Popular Community Bank claimed to serve XXXX clients with access to more than XXXX atms. If Popular was incorrectly charging bank fees for XXXX out of the XXXX atms in my community, then how many other communities and clients were affected and how much money in bank fees does Popular make during the time when their atm list is " outdated ''?

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 2016-02-23
Company: AMERICAN EXPRESS COMPANY
State: PA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
On XXXX XXXX, XXXX, I submitted a bill payment using my American Express Bluebird account to my daughters ' XXXX. According to American Express Bluebird, the check was cleared on XXXX XXXX, XXXX. However, after speaking to the payee ( the XXXX ) in late XXXX, I was informed that she never received the check. She verified with her bank records and no deposit in that amount was ever made. We believe the payment check was stolen from her mailbox and deposited fraudulently. I subsequently contacted American Express to file a payment dispute on XXXX XXXX, XXXX, which was denied 24 hours later. I contacted American Express again to inquire why the claim was denied, and the customer service team could not provide a reason but told me that I would be receiving documentation regarding the dispute in the mail. More than ten business days elapsed with no documentation having been received in the mail. I subsequently contacted American Express Bluebird again, and they said they would send me the dispute documentation in the mail immediately. It is now XXXX XXXX, XXXX, and I still have not received any documentation regarding the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-16
Company: PNC Bank N.A.
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We submitted an appeal to PNC indicating that the denial of XXXX loan modificaion under the Making Home Affordable program did not make any sense. We specifically appealed the denial by showing that an affordable payment could be created based on the NPV inputs provided by PNC. However, PNC denied XXXX appeal without any explanation in regard to our appeal. We spoke with one PNC representative on the phone who indicated that the denial was based on the investor 's refusal to provide term extensions. However, we located the investor restrictions through the securities and exchange commission and sent PNC proof that the investor did allow term extensions. We raised the issue about term extensions in our appeal. PNC did not respond to the part of our appeal regarding the investors allowance of term extensions. We request that PNC either grant XXXX XXXX a modification under the Making Home Affordable Program or provide us a detailed explanation regarding why it can not and address the concerns raised in our appeal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
About XXXX months ago my credit score was in the XXXX, then it went down to XXXX and now it is down to the XXXX I do n't understand what is going on. I looked at my credit report and do n't see any changes. There is no one to talk to at any of the phone numbers. I need to speak to someone and inquire about the drastic drop.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
The account activity is missing transaction that was reversed. I have already asked about On XXXX/XXXX/XXXX statement the Principal unpaid balance was {$29.00}, XXXX ; on XXXX/XXXX/XXXX - it was {$28000.00}. After one more extra principal of {$500.00} and interest payment - the balance in XXXX/XXXX/XXXX is {$28000.00} amounting to only {$280.00} being applied. Wells Fargo ignored the inquiry/complaint that was faxed on XXXX/XXXX/XXXX ( see fax confirmation ). on XXXX/XXXX/XXXX - Per XXXX XXXX Customer Service - after XXXX payment - I could have expected my balance to be : {$28000.00} Balance as of XXXX/XXXX/XXXX XXXX Less : Principal Payment XXXX {$500.00} Less : Regular Payment XXXX Estimated Principal Balance prior to adjustments {$28000.00} It seemed there were reversals that were done to correct errors re : posting of extra principal payments towards future payments beginning year XXXX. The previous account activity pulled from the Mainframe systems showed 3- {$500.00} payments with trancode XXXX on XXXX/XXXX/XXXX and XXXX/XXXX/XXXX and appeared on several account activity reports provided to me. They only reversed back XXXX {$500.00} payments on the Account Activity report that was manually prepared and provided on XXXX/XXXX/XXXX pages XXXX and XXXX. On XXXX/XXXX/XXXX - XXXX XXXX of XXXX - shows XXXX - {$500.00} reversals for timeframe XXXX to XXXX due date total {$1500.00}. The FAX regarding this inquiry and missing reposting of my payment was ignored. Previous Account XXXX XXXX/XXXX/XXXX mailed to me and XXXX printed from Wells Fargo Bank XXXX also showed the 3 {$500.00} payments for XXXX/XXXX/XXXX and XXXX/XXXX/XXXX. This would explain why my balance did not go down it would after paying the {$500.00} extra principal. Another issue is that the payment on XXXX of which they are not supposed to draw since I told Customer service to change from biweekly to monthly was kept once again in Unapplied funds and was not applied until XXXX/XXXX/XXXX. This should have been applied to Principal as the payment for XXXX was already completed on XXXX/XXXX/XXXX. 
This reversals and misposting of my payments have been going on and reported way back around XXXX of XXXX and to this date are never corrected satisfactorily. I have spent countless hours and could not take my XXXX tax to accountant to amend due to inaccuracies. I am to a point of emotional breakdown everytime I deal/talk to Wells Fargo since that time in XXXX XXXX of which my mother was 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 monetary relief
Consumer complaint received 2015-05-22
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I have disputed several incorrect and inaccurate items on my Experian credit report. Unlike XXXX and XXXX, who both performed proper investigations and ultimately removed the accounts from my reports, Experian never performed a legitimate investigation. I received a letter from them dated XXXX XXXX, 2015 that they previously processed my disputes and that the credit grantor has verified its accuracy. This is impossible because the other XXXX credit reporting agencies were unable to verify it, thus deleting the bad information. Furthermore, Experian refuses to reinvestigate the same dispute. This is absolutely ridiculous. So instead of submitting electronic disputes, I sent dispute letters in the mail. I received another letter dated XXXX XXXX, 2015 saying that Experian believes they received suspicious requests in the mail regarding my personal credit report and determined it was not sent by me. How can they possibly determine this when the return name and address on the letters belong to me, and I personally signed each letter and included my social security number. They simply refused to comply to my dispute requests and delete inaccurate information they are displaying from the following creditors : XXXX XXXX, XXXX XXXX XXXX and XXXX Bank. Moreover, they have restarted the 7 year time clock for which these tradelines naturally drop off of my credit report which is yet another violations of the FCRA. I am utterly disgusted with Experian and request a full investigation of their practices along with my ignored disputes.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-28
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card
Issue: Credit determination

Complaint:
I have a XXXX Credit score and a stable income of {$500000.00} and my credit card application with American Express was denied based on discrimination, ( there is no other reason ) I have a superb credit score and excellent income and I make 100 % of my payments on time, I never missed any credit card payments ever with all my other XXXX credit cards, I have reason to believe that I was denied credit by American Express based on discrimination.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have requested the Consumer Financial Protection Bureaus assistance in investigating direct deposit reversals from my account to determine if they were Unauthorized Electronic Fund Transfers. 

In monthly bank statements provided to me by the bank I identified more than $ 10K in direct deposit reversals. 

When I looked up the guidelines for when direct deposit reversals are permitted I found the Federal Reserve Regulation E Supplement I to Part 205 -- Official Staff Interpretations : 5. Reversal of direct deposits. The reversal of a direct deposit made in error is not an unauthorized EFT when it involves : i. A credit made to the wrong consumer 's account ; ii. A duplicate credit made to a consumer 's account ; or iii. A credit in the wrong amount ( for example, when the amount credited to the consumer 's account differs from the amount in the transmittal instructions ). 

The originator never made any of these claims when asked about the reversals. See the attached documents. 

Because these were unauthorized withdrawals, I would like the bank to return the withdrawn funds to my account and prevent the originator from performing any further withdrawals from my accounts.

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 monetary relief
Consumer complaint received 2016-03-24
Company: Selene Finance LP
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
Back in XXXX my home was burglarized and caught fire. We lost everything that was in the home except for the clothing that we took on an overnight trip with us out of town. We was put up in a hotel for almost 2 mths and during that time we was only given {$2500.00} from our insurance company until they finished there investigation ( which took 6mths ). During that time our funding was limited therefore we had to use some those advance funds from the insurance company to purchase clothing, appliances, personal items, Rx medications, formula, bottles, XXXX, an apartment, school books and etc. During this time Selene expected us to continue to pay on a structure that was NON-habitable. We were not able to pay on that structure, repurchase items that were lost and for new housing. So our insurance company sent a letter to Selene Finance and they accepted the settlement amount from the insurance company for {$83000.00} in which they cashed and they signed and agreed. However we were still receiving statements and the mortgage was being reported late for years after that settlement was accepted. Not only that but once we were able to get a home through a XXXX, the monies for the land value depreciation of {$31000.00} in which they would not release there name from off of it after they cashed the settlement checks about 2 yrs earlier and we ended up having to turn it over to them. Now they still reported our home as a foreclosure. We did the DIL in which they stated that the Loan has been XXXX out however they are still stating that we owe them. We do not know what we owe them additionally to this date and why? We do not understand why they took the {$31.00} check when it was not there 's after they agreed upon the settlement check. We do not know why they still reported it and caused the credit ratings to be in shambles for years. Since we were n't able to abide by the agreement upon the XXXX the home we moved in was sold because of the funds from the {$31000.00} check was no longer available. Now we are trying to move forward with purchasing a home and we have requested that they provide us with ALL documentation regarding the XXXX documents that we signed and they signed and agreed upon and they have been very rude about providing it. We have emailed them several times, we have called several times. We keep receiving the same correspondents but nothing else. Can you please assist because I am ready to move forward legally because they have stolen from me, ruined my credit for years, and now presently hindering me from purchasing a new home for my family in which I have lost earnest money because they have failed to supply me with the documentation that I needed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have had a Huntington Checking account for close to eight years. I had overdraft fees in excess of {$530.00} resulting from an unauthorized purchase.I contacted the bank on several occasions regards. They proceeded to give me XXXX different complaint numbers. I followed all procedures. Provided all paperwork they requested on time. They continued to say it was not enough information at all. They several months passed after I returned the paperwork. They closed the account and requqested me to pay the {$530.00} in fees and turned it over to a collection agency. This is totally unacceptanle after a I tried to resolve all the issues with my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: NATIONSTAR MORTGAGE LLC
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We 're requesting your assistance in resolving a matter of a mortgage account surrendered under Chapter XXXX Bankruptcy in XX/XX/XXXX and currently reported incorrectly as open to the credit bureaus by XXXX as an active account, paid late. At the time of the bankruptcy filing ( XX/XX/XXXX ) the account was under XXXX who was appropriately notified of the bankruptcy numerous times. In XX/XX/XXXX XXXX apparently transferred the account to XXXX and it remains unclear why Nationstar is not aware of the bankruptcy filing. 

We have attached the following documents in reference to this complaint : Nationstar Account Statement Bankruptcy Discharge Doc ( XX/XX/XXXX ) Bankruptcy XXXX ( Creditor # XXXX ) Letter from lawyer sent to XXXX ( XX/XX/XXXX ) advising that XXXX was surrendered in the bankruptcy XXXX credit report pages ( XXXX , Nationstar Mortgage ) We have tried calling Nationstar but have not been successful in reaching someone able to assist. As this is an urgent matter affecting our credit score, time is of the essence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-09
Company: ENCORE CAPITAL GROUP INC.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I never received a thing but a summons from Midland Funding , LLC ( Encore Capital ). I was never able to dispute anything. I answered the summons with my election for contractual arbitration and even sent Midland Funding a letter before I sumitted my answer to the court here in Arizona. 

Midland answered back with a motion for summary judgment. Midland ignored my letter electing arbitration per XXXX cardholder 's agreement. Midland forced me into litigation when a clause in XXXX 's cardholder agreement protects any alleged consumer from litigation. 

MY QUESTION TO MIDLAND FUNDING IS THIS : Why did you drag me into litigation when I invoked arbitration from day one? You ignored me. You denied my due process. 

CURRENT SITUATION : I was unlucky enough to get a superior court judge that does n't know arbitration laws and he gave Midland a summary judgment against me. I fought the litigation as much as possible, but the irony is that the arbitration clause protected me from litigation and yet Midland kept dragging me through it. 

Now there is a summary judgment that I am appealing to the Court of Appeals, who I hope knows the arbitration laws. 

WHY WAS I PUT THROUGH LITIGATION EVEN AFTER I INVOKED THE ARBITRATION CLAUSE? Why is it okay you ignore my rights as a consumer that is invoking the arbitration clause? I want answers. You have really ruined my health and denied my rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: ENCORE CAPITAL GROUP INC.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Midland Credit Management Inc. XXXX XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX Have threatened to take me to court over a debt. I was afraid so I made a deal with them. Now they are doing it again. They are Attorneys that use scare tactics and threats to get you to pay from a Debt they bought from someone else JDB = Junk Debt Buyers. Phone calls and letters to sue me again over a bill that was {$300.00} dollars and they want {$870.00}. This firm is disgraceful and the worst kind of lawyers you could imagine. It has been a nightmare.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: Parnell & Parnell, PA
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This problem began in the year of XX/XX/XXXX when I was not able to make payments on my account with XXXX ( XXXX Credit Card ) because of hardship. XXXX sent account to XXXX, NC XXXX in which XXXX filed a Judgement against me. Went to court and it was determined that I owed {$16000.00}, plus costs in the amount of {$190.00}, total judgement of {$16000.00}. 

Beginning in XX/XX/XXXX to XX/XX/XXXX I was making payments of {$20.00} to {$25.00} consecutive. I stopped making payments because I was faced with another hardship -- I had XXXX XXXX in XX/XX/XXXX -- had XXXX XX/XX/XXXX. XX/XX/XXXX I had XXXX. 

The big problem now is that I 'm been harassed by Parnell & Crum, PA, Attorneys at Law, XXXX XXXX XXXX XXXX, XXXX, AL XXXX who says that I owe {$18000.00} and will settle with the amount of {$9100.00}. Since XX/XX/XXXX I have asked Parnell & Crum not to contact me because I will pay XXXX directly and have sent payments directly to XXXX Processing Center. How Parnell & Crum got this account I do n't know. I want Parnell & Crum to stop contacting because the Judgement is in Court and in the Credit Bureaus. I think that Parnell & Crum is trying to get {$9100.00} and then might try to get the other half. 

If you need any documents -- I will send them to you. 

Debt is not fully paid

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: IMPAC MORTGAGE HOLDINGS, INC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
When I began to refinance for my house last year, I was told that after the refinance was done that I could have my insurance and property taxes impounded monthly in an escrow account WITHIN A MONTH AFTER THE CLOSING OF THE REINANCE. After almost 6 months, I 'm getting the run around by the insurance company, which just asks for more time, and no results have been forthcoming. We paid for the taxes and insurance, but there does not seem to be any good faith effort to get back to us in establishing the impound account for Cashcall account # XXXX.

Company response to consumer: Closed with explanation