davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-06-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: ACS Education Services (WA)

I have a private student loan with ACS-Education. I submitted an Economic Hardship Forbearance/Deferment on XXXX XXXX 2016 because of a drastic change in my economic circumstances and inability to make the normal payments I have made for the last 5+ years. I was told it would take 7-10 days. Since then, I have received once inconsistent email after another telling me different things. I have not received a formal reply regarding my request. On XXXX XXXX, I had to call 3 times and got 3 different answers regarding the status of this request! In addition, I asked to see a written copy of the terms and conditions of any formal forbearance request and I was told, astonishingly, that they have no written agreements! How is it possible that an organization can exist and operate as a business with such unethical business practices and violating a consumer/borrower 's rights to agree to terms and conditions AFTER reviewing them in writing instead of verbal, over the phone agreements!? ACS-Education has refused to work with me for a more long term solution to my economic hardship and student loan debt burden. ACS Education has refused to be transparent in their procedures regarding my requests and they have failed to deal with the requests and enquiries in a timely manner or even to have proper writtent forms, agreement and procedures to ensure transparency and consistency. As such, they are in violation of my rights as a borrower and, I believe, engaging in highly inconsistent and unethical business practices, especially in terms of servicing my loan. To date, they have not processed my Economic Hardship Forbearance request for the maximum of at least 31 months to allow me time to deal with my drastic change in circumstances, especially considering that I have made consistent monthly payments over and above what was due for over 5 yeas now. I need CFPB to intervene and help resolve this matter immediately! Please help me! Thank you.
Consumer complaint received 2016-10-11
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Alliance One, Inc. (NV)

They 've have contacted me over 25 times via robocalls illegally. I am on the do not call list. They were looking for my husband. I told them to stop calling my phone. I am on the do not call list and have never told them to call me. The lady who calls is rude and calls me multiple times a day to harass me. She frequently calls before XXXX. She wakes my sick baby up. I did a letter with my husband asking to cease communications until they verify my husband 's debt, I asked them to futher not contact him on my phone, I told them I never gave them my permission to call my phone and I have been on the do not call list for 3 years. They illegally recorded my phone calls without my consent. They call and wake my husband, our sick infant and myself out of sleep. They call before XXXX frequently.They are causing me great mental anguish and my child as well. They have violated XXXX state law, debt collector laws, and the tcpa act. I am further reporting them to the XXXX as well as the XXXX. I have already reported them to the Ftc because they are unwilling to resolve this.
Consumer complaint received 2016-05-18
Product: Debt collection — Payday loan
Issue: Communication tactics — Called outside of 8am-9pm
Company: National Credit Adjusters, LLC (TX)

I have not received any letters or other contact. They have indicated legal action or everything else about this. The company is not even the collection company the store indicated was the collector.I have tried to arrange a payment I can afford with in the beginning but without all of the other charges they are adding to it.The wrong company is saying they own and are calling at XXXX and after XXXX.
Consumer complaint received 2023-05-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

In accordance with the Fair Credit Reporting act. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. ( XXXX XXXX - XXXX ) has violated my rights.

15 USC 1681 Section 602 A. States I have the rights to privacy.

15 USC 1681 Section 604 A Section 2. It also states a consumer reporting agency can not furnish an account without my written instructions.

15 USC 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 ( a ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.
Consumer complaint received 2015-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (MA)

I have had a mortgage with Stern 's Lending since XXXX/XXXX/XXXX. The city of XXXX XXXX taxes were assessed at {$1400.00} for the first year until my residency was established. In XXXX XXXX the residential abatement for the city of XXXX took effect reducing my tax liability drastically to {$160.00} per year. In XXXX I contacted My XXXX XXXX, the company that services the mortgages for Sterns ' Lending, notifying them about the change. I relayed the information from the XXXX assessors ' office that the mortgage company must apply to the city of XXXX for the over payment they made on my account. They asked for a new tax bill issued from the city of XXXX. I sent them a print screen from the assessors ' website. They said they needed the actual bill so I had to wait until I received the bill in XXXX XXXX, I immediately sent it to them. They finally refunded the excess escrow amount of {$1500.00} with a check issued on XXXX/XXXX/XXXX. That was a long time to wait for them to return my money. 

Today I received notice from Sterns ' Lending of a new escrow amount of {$64.00} per month. Their letter states the tax liability is {$760.00} per year for my account. The city of XXXX assessors ' website says XXXX Preliminary ( Estimated ) Total Tax Due-First Hal ( XXXX XXXX ) : {$80.00} meaning my total tax bill will be XXXX for the year XXXX. City taxes are the only payment from the escrow account. 
Today I called XXXX XXXX XXXX to inquire about the escrow account. They would only state the tax liability is {$760.00} for my account. I have no idea where this amount came from and the customer service person would only repeat that number. I would like a written explanation from them with a source document legitimizing the amount. I do not want to over pay my account and possibly wait another several months for the escrow to be reviewed.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I am submitting this complaint on my own behalf. Upon reviewing my credit record, I discovered the presence of late payments. Despite sending them letters over 30 days ago, I have not received a response, and they have failed to provide me with satisfactory validation. I kindly request your assistance in resolving this matter.
Consumer complaint received 2016-08-25
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (ME)

I do remember closing this account back in XXXX. I also requested for all accounts using my social security number to be closed, and remaining monies returned to me. Now, I am receiving emails stating I still have funds available, and to use the funds before a " dormant fee '' applies. I have attempted logging into my account, but the site is asking for my card info. I destroyed the card ( s ), in XXXX, I also recall the card ending in XXXX, had an expiration of XXXX, XXXX. Reason why I closed this account, is due to an over sixty day delay in the issuance of monies from the IRS. Also, I was notified from a government depositor, they permanently blocked this cards routing number, due to possible fraud occurring with other clients. It is stating my available balance on the card ending in XXXX is a little over XXXX dollars.
Consumer complaint received 2016-03-07
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PNC Bank N.A. (PA)

On or about XXXX XXXX, 2016, we applied for a mortgage with PNC Mortgage for the purchase of a condominium in XXXX, PA. Previously, we had been pre-approved by PNC. PNC knew from the very beginning of the application process that we were purchasing a condominium. We obtained a locked in, fixed rate of 3.75 %. We received numerous documents during the process reflecting that same locked in, fixed rate. The agreement called for a closing date of XXXX XXXX, 2016, time being of the essence. On or about XXXX XXXX, 2016 -- one week before closing -- we were informed by telephone that our interest rate had increased from 3.75 % to 3.875 %. The person who phoned - XXXX XXXX - was not aware of the reason for the increase. When we inquired of the loan officer, XXXX XXXX, we were advised that the underwriters ( who are employees of PNC ) determined that our condominium was " unwarrantable '' because of a slip and fall claim against the Condo Association, this despite the fact that PNC was aware and had confirmed that the Condo Association had coverage of XXXX for the claim. We were never advised, orally or in writing, at the time of application or any time throughout the process, that our so-called locked in, fixed interest rate was subject to increase. The loan officer stated to us that he realized the claim would never reach the condo owners, but it was the decision of the underwriters. He alluded to the fact that this happened often with condominums. Yet, he never felt the need to warn us ahead of time that this was a possibility. It was represented to us by his manager that he is a very experienced loan officer. Therefore, we believe he should have known and should have warned us at the start of the process. 
The explanation and justification of the condo being " unwarrantable '' is dubious at best, and deceptive at worst. We believe it was a convenient way for PNC to increase our interest rate and monthly payment. Although the payment increased by only {$26.00} per month, over the course of the 15 year loan, that would add up to {$4700.00}. Because of the delay caused by our need to process this information, we had to ask the Sellers for a delay in the closing. Fortunately, we were able to close on XXXX XXXX, 2016. 
We believe we are entitled to a reduction in the interest rate to 3.75 % and a refund of {$26.00} per month until this matter is resolved.
Consumer complaint received 2016-08-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: NRA Group, LLC (PA)

this was reported once to my XXXX report by national recovery agency. i contacted them and asked the debt by provided in writing and they refused so i contacted XXXX and they researched my account and found it to be correct. i payed them directly and they notified national recovery and it was removed and then rereported to XXXX.
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (FL)

Morning my name is XXXX XXXX I original mortgage was with Aurora. due to financial hard ship and loss of income I fell behind on my monthly payments. I contacted Aurora and explained my situation. They nstucted me to send XXXX to modify my mortgage for an affordable payment. They never did my home was sold on XXXX XXXX I have XXXX children and a XXXX mother. I received a letter from the newsletter mortgage lender. Nation star advising me to attend a workshop on XXXX XXXX which I did. I am XXXX of the victims from Aurora.
Consumer complaint received 2015-06-09
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: EQUIFAX, INC. (CA)

I filed a dispute in XXXX against the collection agency known as XXXX ( XXXX ), account number XXXX Phone number XXXX with equifax sometime in 2013. Equifax failed to obtain evidence from XXXX that validates the debt. I have not received within accordance to Landlord/Tenant law an itemized receipt to verify money owed to XXXX Court. I paid a large deposit and feel that was sufficient to cover expenses. Consumer reporting agencies must correct or delete inaccurate, incomplete, orunverifiable information and they have failed to do so.
Consumer complaint received 2016-07-20
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: EOS Holdings, Inc. (VA)

I was never informed that we had a right to dispute. I try to pay a little bit every month but I have informed them multiple times that I must receive a statement every month if they want to be paid. Then when they do n't get paid they start harassing me. I am never sure if they are actually posting the payments to our account.
Consumer complaint received 2016-07-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (FL)

IM HAVING TROUBLE WITH PNC MORTGAGE IVE BEEN TRYING TO GET MORTGAGE ASSISTANCE TO CATCH UP ON MY MORTGAGE PAYMENTS. MY BUSINESS LOST ALOT OF MONEY LAST YEAR FEEL BEHIND BEEN GETTING RUN AROUND FROM PNC MORTGAGE IVE SENT IN A COMPLETE PACK FOR MODIFICATION BUT THEY WONT WORK WITH ME. VERYU DIFFICULT BANK TO DEAL WITH.
Consumer complaint received 2015-10-21
Product: Prepaid card — Mobile wallet
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (WI)

I am unable to access my online account and when I try to call the Rush Card customer service or email them, they do not resolve my issues. I want to make sure that all of my money has been appropriately used by me, and because i am locked out of my account I ca n't do that. Rush Card customer service representatives told me Sunday XXXX/XXXX/2015 that my account was unlocked and it was not. I feel very uncomfortable about them having my personal information and they are beng dishonest. Had the Rush Card rep told me they could n't help me that would have given me some trust in them. I unable to review my transactions.
Consumer complaint received 2015-12-24
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

PNC allowed XXXX XXXX XXXX to steal over $ XXXX from my business account by approving his access. ( I 'm the only legal signer. ) There was a huge investigation, indictment and his guilty plea to a XXXX theft charge. Despite the admittance of his guilt, PNC does not want to return the money they allowed him take. 
In the process of waiting for his trial, I got another call from the police. This time they found my PNC documents on site of a raid for a Identity thief ring with all of my personal information. ( Name, address, SS #, Date of birth ). I 've recently recieve a letter from the Department of Justice advising of my victim 's rights on that case. Despite them allowing XXXX XXXX XXXX to take money out of my account and allowing my personal documents to be stolen, they still defaulted my commercial loan that I made attempts to stay current on as well as paying on the credit card that XXXX XXXX XXXX pled guilty on abusing. My business was never allow to benefit from the loan because XXXX XXXX XXXX was allowed to steal the money directly from my business account. Just yesterday they sent an appraiser to my office to prepare for an online auction of all my equipment. I just want to make the public aware of what can happen when you are too small to fight against someone as big as PNC. I 'm asking for help.
Consumer complaint received 2016-10-12
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (NJ)

I have an auto loan through PNC Bank. I started this auto loan XX/XX/XXXX. I have always made my payments on time every month. XX/XX/XXXX, I had to file for Chapter XXXX bankruptcy. I signed a reaffirmation agreement with PNC Bank for my auto loan, which stated that the loan would continue to report to all three major credit bureaus. On XX/XX/XXXX, my bankruptcy was discharged. Throughout all of this, I have continued to make on-time payments to PNC Bank for my auto loan. Despite signing the reaffirmation agreement and always making on-time payments, PNC Bank refuses to report any of my payments to the XXXX credit bureaus. However, when I first tried to resolve this issue with them, I have letters from PNC Bank stating that they were reporting my payments to the XXXX credit bureaus. This was a lie, though. I have gone through all levels of customer service at PNC Bank for the past two years, and they refuse to report the on-time payments, even though they lied to me and said that they would.
Consumer complaint received 2016-03-19
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (MD)

I have maintained a PNC Bank account since XXXX, XXXX and was placed in a traditional type of account with maintenance free checking, money market account and no fee ATM card. We had enjoyed that convenience for many years and even through several other bank offers. In XX/XX/XXXX, at the XXXX branch of PNC Bank, we were asked to change our account to a premiere or premium account feature with more conveniences and we reluctantly agree. Now, we just discovered that we had suddenly been charged {$10.00} money market account maintenance fee for the last 13 months because we were oddly required to come into a branch and change to yet another type of account or incur the charges. This is really very disappointing as it seems that now, the bank decides when to require its customers to physically come into a branch to change their account and quietly charge their accounts when they do not comply. The manager at the XXXX branch told me that since I just initiated the update today, they will refund only one of 13 months account charges. I need some investigation into this as this may be happening to many other customers. It is actually a glorified form of stealing from customers.
Consumer complaint received 2016-02-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

PNC hit my PNC checking account for XXXX overdraft fees ( {$36.00} each ) and inaccurately disclosed my account activity and balance to me. I use their on-line services to check my balances. I electronically transfer funds between several checking accounts to make sure that I have enough money in my account to cover my checks. If I am at a grocery store or a restaurant and plan to pay with my debit card, I electronically transfer money from one checking account to another and the money is there for immediate use. On the evening of XXXX XXXX I had a positive balance. However I transferred {$65.00} into one of my checking accounts ( ending in XXXX ) because I knew that I had XXXX checks that were going to come in soon. Additionally I knew that I on XXXX XXXX I would be getting a direct deposit to my checking account ( ending in XXXX ) Additionally I when I make a deposit in a branch at the tellers line I CONSTANTLY ask the tellers to confirm that " If a debit hits my account the same day as a cash deposit, will I incur an overdraft fee? '' The answer is 'no fees will be applied '. I 've included XXXX attachments to support my claim. At no time did PNC report a negative balance to me on the on-line tool that they provide to me. 
I 've attached a screen shot from my on-line screen. Clearly shows enough money to cover my debts. Also shows that they overdrafted me with a positive balance of $ .XXXX.PNC has been sued before for their Overdraft policies and activities and I 've received XXXX very small settlement checks from the settlement fund. Apparently they have poor business practices with their overdraft activity.They continue to abuse me.
Consumer complaint received 2016-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (MD)

I would like to know if PNC bank loan officer violated any laws. And if there is any way PNC can refund the money we paid for an appraisal that should have never being ordered by PNC bank.XX/XX/XXXX my husband and I applied for pre-approval of a mortgage loan with PNC Financial Services Group, XXXX XXXX XXXX MD XXXX. We were pre approved so we began looking for a property. From day one I was clear with our Pnc loan office XXXX XXXX XXXX ID XXXX that we were looking to buy a property that may need repairs. After we found a property I informed XXXX about the condition of the property, it was a foreclosure. The HVAC system was destroyed, some pipes and sheet rocks was missing from the basement area. XXXX said once there was a kitchen we should be fine. When our contract was accepted, we sent a copy to XXXX ; now I am not sure if he went over it. It clearly stated we were buying the property As Is. And on several occasion XXXX said the XXXX condition was not a problem because our agent was also concern about HVAC condition.XXXX suggested we could ask seller to fix. I reminded him we agreed to buy as is so they would not fix, XXXX then said he can set up an escrow account for repairs. He was clear about it because the seller agent was trying to see if seller will pay for follow up inspection after we close ; to ensure that repairs were done. After the appraisal the underwriters wanted the pipes replace, Hvac fix and sheet rocks replace. XXXX still said he can set up repair escrow account ; we got contractors to go out and look at the property. After all that he comes back and say the property may have mold, we need mold certification and later that same day he calls our agent to ask him if he can get seller to make repairs. Apparently XXXX did not know that PNC could not create an escrow account for the repairs, they did not provide that service. How can he work for PNC as a loan officer but do n't know what product they provide? Why should hard working people suffer because he do n't know what he is doing? He Placed our {$2000.00} earnest in jeopardy and we lost {$500.00} on the appraisal. The time we lost in the process is the worst part, we are renting and every day counts. After I confronted XXXX he said he can pay out of pocket for our next appraisal but we need to find another property, because PNC can not finance our current property. I always taught it was the loan officer responsibility to know what product thier company offers. He even recommended a lender we could use, like we was crazy enough to use his referral. Who gives him the right to tell us what property we should buy, the way he handled everything was very deceitful. I have reached out to his manager and he was no help. No one should have to go through what we had to endure with our loan officer from PNC bank.