BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-11
Company: PNC Bank N.A.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
PNC 's has failed to comply with Dodd Frank regulations relative to loss mitigation underwriting. On XXXX XXXX, XXXX, counsel for the borrowers received a letter dated XXXX XXXX, XXXX from PNC 's Counsel. At no time prior to XXXX XXXX, XXXX were borrowers provided with this letter. On XXXX XXXX, XXXX borrowers law firm provided additional documents to PNC in response their request for additional loss mitigation documents. Given this XXXX XXXX, XXXX submission, PNC was required to respond on or before XXXX XXXX, XXXX as required by the XXXX enacted provisions of the Dodd-Frank Wall Street Reform and Consumer Protection Act ( Dodd-Frank Act ) Public Law 111-203, 124 Stat. 1376 ( XXXX ) ( XXXX XXXX XXXX Final Rules ) Regulation X, which address servicers ' obligations regarding mortgage loss mitigation options, loss mitigation policies and procedures and evaluation of applications for available loss mitigation options. No such timely response was received. Next, the letter of XXXX XXXX, XXXX does not specify what documents were missing or what was incomplete. The letter stated in pertinent past as follows XXXX We have completed our review of your hardship assistance request under the Making Home Affordable Program ( MHAP ). However, we are unable to proceed further with your request for assistance, for the following reason ( s ) : - Request Incomplete We are unable to offer you a Home Affordable Modification because you did not provide us with the documents we requested. A notice which listed the specific documents we needed and the time frame required to provide them was sent to you. 
XXXX However, no such notice was provided with this letter and all prior requests for additional information were fully responded to, with counsel for PNC acknowledging receipt of the submission and confirming transmittal to PNC directly. 
Borrowers contend that this was a constructive denial of a modification. PNC has not complied with Dodd Frank regulations in connection with this modification application.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: STONEGATE MORTGAGE CORPORATION
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Stonegate Mortgage claimed that we did not have appropriate insurance ( although we do ) and placed a grossly overpriced penalty insurance policy on our account, took all the money from our escrow account, and promptly sold loan servicing rights. We have electronic email records showing how many times we tried contacting them, and they did not respond a single time. My family has been defrauded by Stonegate.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-04-24
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I have {$25000.00} in my Coinbase account. Someone hacked it and changed the email address. Coinbase doesnt have a phone number you can call. You can only email them. And since the scammers changed my email Coinbase wont exchange conversations with me because Im not emailing from the email address associated with the account. Im livid!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Bliksum, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Yes, I had been a victim of fraud and scam for this company LOAN ME charge me 135 % a day without my knowledge because of that they took advantage of me being unemployed with no unemployment benefits. I loan {$2600.00} and I still owed them $ {$2600.00} after four month paying {$300.00} a month. 

How can I get out this company. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: UNITED AUTO ACCEPTANCE
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Called outside of the XXXX and XXXX Threatened jail and warrants for my arrest regarding debt Discussed details of my account with others ( that were listed on loan application ) without my authorization Discussed details of my account with others ( that were not associated with me or listed on my loan application ) Left threatening details on voicemail with contacts on my loan application

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: Stearns Ventures, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I refinanced my home in XX/XX/XXXX with XXXX. The loan was immediately sold to Stearns Lending. I received a refund of {$680.00} from XXXX which I wanted applied to principal only. Since the loan was sold already, I wrote a check to XXXX and mailed it to them indicating principal only. I received notice from XXXX that they received the check on XX/XX/2016. My first payment is not due until XX/XX/2016, however, XXXX applied my payment as follows : Due Date Applied Date Description Principal Interest XX/XX/2016 XX/XX/2016 PrincipalCurtailment {$9.00} XX/XX/2016 XX/XX/2016 ModifiedCouponPayment {$230.00} {$430.00} XX/XX/2016 XX/XX/2016 OriginalLoanSetUpDate $ XXXX My loan account was not finished being set up until XX/XX/2016. Each email ticket took about a week to receive a reply. 
On XX/XX/2016, I called and finally reached a representative. She told me it takes about a week to make the change on the payment. They will not apply it retroactively to the date they received the monies. Also, it is now XX/XX/2016 and the account is still not fixed, as shown in the table entry above. They are saying my next payment due is XX/XX/2016. I question that they are still not applying my payment properly and holding my monies as early payment rather than a principal payment.

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 2021-04-24
Company: Resurgent Capital Services L.P.
State: LA
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 noticed unauthorized inquiries on my credit report Ive noticed that someone apply for something in my name I reached out to all creditors neither one could give me any info of where these inquiries came from the only action they gave for me to contact you guys. I dont recall giving any of these companies permission to pull my credit. Under the FCRA LEGALLY these MUST be removed

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: Avid Acceptance, LLC
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was advised by XXXX employees ( XXXX males ) that I would havea due date change after making my payments, which did not workwith my pay cycles. I made the payments and when I inquiredabout the due date change there was a delay in their response tome so it caused me to be late again. When I asked about whatwas promised and said to me on the phone they had nodocumentation and calls are not recorded. I feel like I had beendiscriminated against, being a single woman. In 2012 I was eventold that I should have planned better when I went out on XXXX. When I called to make arrangments after being in thehospital I spoke with XXXX. I said I refuse to speak to anothermale at this company I felt discriminated against and wanted afemale. He said I had to deal with him, I requested a femalemanager or female account rep. He replied there are no femalemanagers and that he is now reviewing my account. I explainedthat I am going to report this to because that is hard to believe. 
He asked what XXXX issues I was having and I again explainedI refuse to speak to him and wanted a female. They requesteddocuments of my XXXX issues or something showing that I wasin the hospital. I thought this was only required when you are filingfor XXXX insurance to make your payments. I will supply copiesof XXXX bills, but feel like it release my XXXX information whichthey do not need.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-06
Company: PNC Bank N.A.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX began a nonjudicial foreclosure on my property based on an declaration by a person named XXXX XXXX who is identified as an " authorized agent '' of PNC. I can not find such a person working for PNC albeit I do find a person by that same name working as a Relationship Banker for XXXX Bank and XXXX in the XXXX area for the past 9 years - not PNC. XXXX : XXXX I brought this to the attention of the NWTS attorney ( XXXX XXXX XXXX who stated in an email to on XXXX/XXXX/16 that he confirmed that XXXX XXXX did work for PNC. However, XXXX XXXX would not provide XXXX XXXX 's contact information and said contact PNC. He would not explain how he confirmed her employment. PNC will not confirm her employment. XXXX ( XXXX XXXX XXXX contact information : XXXXXXXXXXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Ashfield Management Services Inc,
State: TN
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
I live in TN. A third party debt collector in XXXX, NY, dba Ashfield Management Services, representing XXXX in FL, is attempting to collect on a payday loan from XXXX, which is allegedly a tribal entity in CA. I have been working with a consumer advocacy/ debt management company to resolve old debts, and the the original creditor was notified in writing by them and by me. Representatives from the above debt collector, Ashfield, have continuously called my workplace, even after being told not to call and that we ca n't accept personal calls at work. They repeatedly shared information with other employees in my office about the issue and told staff members that if they were n't allowed to speak with me they would come to my work and serve me a warrant. When I called them back, " XXXX '' refused to properly identify himself as a debt collector and could not tell me for sure what state the creditor was located. He was very loud and abusive/ aggressive and made numerous threatening comments about " serving '' me at work and recommending the creditor sue me. When I requested the original contract with the creditor be sent to me, he said he did n't have that, and there was no signature page because I borrowed online. He originally said I owed {$500.00}, but later said I owed them {$830.00}. I told him to stop contacting me at work or during work hours. He continued being aggressive and loud so I hung up. He called me back at least one more time, maybe twice. Later yesterday, I received an email from a XXXX at Ashfield Management Services claiming I owe {$830.00}. XXXX is not licensed in my state of TN to offer loans, and the terms of the loans, including interest rate, loan amount, and renewal are not legal in TN. Can you advise 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 2015-10-25
Company: PNC Bank N.A.
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
PNC purchased our home mortgage from XXXX XXXX. This is the XXXX or XXXX financial institution that has handled our loan. Yet I 've never seen XXXX charge a {$7.00} fee to make a " XXXX '' mortgage payment online! This is outrageous because there is literally almost XXXX cost on their end. If anything, mailing them a check will actually cost them more. I do n't want to sign up for recurring payments as I like to be able to control the timing of when I make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-24
Company: Avant Holding Company, Inc.
State: GA
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:
On XX/XX/2021, I was made aware that a company called avante reported a balance of XXXX  dollars to my collections account. This account is not mine, I was never sent any bills informing me that I owed this company a balance, thus not giving me an opportunity to pay it. However, this account is not mine. If, by any chance, this bill is mine, Avante reported this balance to my account never ever having sent me a single bill, thus deprived me of the opportunity to pay it and went directly to report this balance as a collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX My Aafes accounts were transferred to XXXX. Th credit limit of the Military Star card was {$6000.00}. There was about {$5000.00} charged to the card. The Take it Home Today card had a credit limit of {$8500.00} and there was an outstanding balance of about {$7200.00}. ( I do not have exact amounts ) My taxes have been offset through the TOP program each of the following years : XXXX {$8500.00} XXXX {$2300.00} XXXX {$1800.00} A few weeks in a notice dated XX/XX/2017 I received a notice that I have an outstanding balance of {$24000.00} Yesterday XX/XX/2017 I called and requested an itemized list of fees and charges and was told they do not provide such information. 

The combined maximum credit for the Aafes accounts was {$14.00}, XXXX. Payments through tax offsets have already totaled {$12000.00} I am not sure what my rights are, but these fees and penalties seem unbelievably high. I want to address this so I can resolve it once and for all but I have no idea what I am being charged for. These collection practices are horrible. Any assistance you can offer will be greatly appreciated.

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 2017-02-02
Company: FORD MOTOR CREDIT CO.
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Hello, my name is XXXX XXXX. I financed a car with XXXX motors and in 2015 I ran into some financial problems due to a loss in the family. I could n't afford the car anymore went late on XXXX payments and they decided to charge off the loan. I immediately sold the car and had the debt settled I really did not want my credit to get worse. But the charge off is still in my credit history is there anyway it could be removed? 

Thank you for your time XXXX bless

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Mandarich Law Group, LLP
State: CA
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:
I continue to get collection notices ( latest XXXX XXXXXX/XX/XXXX ) from Mandarich Law group, LPP XXXX XXXX XXXX XXXX XXXX XXXX Ca XXXX and their agent XXXX XXXX. The debt is not mine! Both Mandarich and XXXX have been sent multiple cease and desist letters going back to XXXX Letters state they have the wrong person. My SSN is not XXXX, nor am I XXXX, nor have I had any association with XXXX. Cease and desist letters have failed to stop them from sending me harassment letters. See attached. The original creditor XXXX XXXX established there is no relationship between the collection and me. Also in attached. Previous case numbers include XXXX, 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 2016-10-13
Company: Army and Air Force Exchange Service
State: WA
Product: Credit card
Issue: Payoff process

Complaint:
XX/XX/XXXX, The " Take It Home Credit Card '' program was discontinued. I continued to pay my balance, unable to charge anything to the credit card. XX/XX/XXXX I paid {$2900.00} with a remaining balance of {$710.00}. In XXXX I started an automatic payment of {$50.00} per month and have continued to pay monthly. XXXX, I received a bill of {$200.00} with {$100.00} past due. I contacted the exchange program via phone and they told me my minimum payment has been {$100.00} since XX/XX/XXXX. They said that the minimum payment due was calculated from the last time something was purchased, and the only way to reset the minimum payment due would be to purchase something on the card, although discontinued. Then they stated that I was unable to reset my minimum payment due. From XX/XX/XXXX to XX/XX/XXXX, I have paid a total of {$3400.00} to the account. If I had just paid minimum payments from XX/XX/XXXX to XX/XX/XXXX, I would have paid {$1000.00} in total. This does not seem fair since the total owed right now is {$290.00}, and they are asking for XXXX of the total remaining balance ( {$200.00} ). It is also unfair because I am not able to reset my minimum balance based on what is owed, and the company claims they are unable to do the same because it would be " fraud ''. How is it they can set the payment based on the total balance since my last purchase, but they ca n't set it based on the remaining balance and what is actually owed on the account? Another thing the company said is that you can only prepay up to 6 months and then they start requesting the minimum due automatically and this ca n't be changed. Would n't the money I have been paying since the large prepayment count towards repayment as well? None of this seems legal or fair to the consumer.

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 2020-10-06
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
On my Uber Barclay credit card I had a lot of rewards sitting in the rewards center. Specifically {$420.00}. I'll pass over the fact that I'm XXXX about how the rewards were cash back but then they said I could only use them on Uber ... so that's the reason so much money was sitting in the rewards. On XX/XX/2020, somehow, all the rewards were redeemed to an unknown account : all my {$420.00} in rewards were stolen/fraudulently taken. I reached out to Barclay to solve the issue but they said since the money is in the reward section and has already been pulled out by Uber this is a problem I have to solve with Uber. With Uber, they are slow walking the issue and coming to no solutions and even being very rude to my persistence in finding a solution. It's been months and heard about this more official complaint channel so I'm going to give this a try. Uber recently said they would give me the {$420.00} back but they have yet to give it back and won't respond to me in anyway. Won't call back. Keeps closing the chats I create.

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 2015-11-01
Company: Trident Asset Management, L.L.C.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I filed numerous disputes with Trident Asset Mgt and advised them to provide me with contracts with authentic signature than begun this alleged debt. Trident Asset Mgt Provided me information that is woefully deficient and fails to establish that this is a valid item. 

First, Trident Asset Mgt have not, by any credible means, demonstrated that I owe this alleged debt to their organization. Trident Asset Mgt have failed to provide any document bearing my signature that would establish that I have any indebtedness to their company. 

Second, Trident Asset Mgt have merely supplied me with copies of alleged bills on the account in question ( OR contract ). These documents, which Trident Asset Mgt could easily have fabricated, failed to prove that there is any legal or contractual obligation between myself, their agency or the creditor. 

Third, as Trident Asset Mgt have failed to establish any relationship between me and the purported debt, I demand that Trident Asset Mgt discontinue reporting this item to the credit bureaus and, in fact, that they delete the item. Additionally, note that if Trident Asset Mgt continue to collect on this purported debt, such action will be in violation of the Fair Debt Collection Practices Act. 

Fourth, I did not appreciate the insulting tone that my validation request was answered in. I have a right to request ANY and ALL proof that I owe this alleged to Trident Asset Mgt AND to the original creditor. Their answers were condescending and I advised them that I would report there negative response to the Consumer Financial Protection Bureau and the XXXX. Trident Asset Mgt hostility was completely uncalled for as I am acting within MY rights under the law. 

To summarize, I DO NOT have any contractual obligation to pay Trident Asset Mgt at this point Trident Asset Mgt have failed to provide ANY credible proof that the alleged debt can be validated. As noted above, a copy of an purported bill is simply not enough satisfactory proof that I, personally, incurred this alleged debt.

Company response to consumer: Closed with non-monetary relief