davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (WA)

In 2014 my home in XXXX Maryland was foreclosed on by my lender ( PNC XXXX despite the fact that I received no less than XXXX bonafide offers from buyers that were willing to do a short sale. Additionally, during the foreclosure process I was not granted a mediation with PNC despite the fact that I properly and timely submitted a request for the same with the court. I believe that PNC acted in bad faith in the foreclosure process by rejecting XXXX short sale offers and by not taking into consideration that my legal rights were impaired as a result of not receiving a court mandated mediation. Instead the foreclosure sale proceeded and the home sold for less than what was originally offered by the prospective short sale purchasers. I sent XXXX letters to PNC recounting the situation and seeking to reach a mutually acceptable resolution. My first letter went unanswered and the second merely brushed me off in the traditional big corporate manner. The impact on my credit and tax consequences for the foreclosure have been very serious. I understand repayment of any deficiencies are my responsibility and I have made arrangements with creditors to true up my obligations. However, I am of the firm belief that PNC unduly enriched itself by proceeding with a foreclosure in lieu of other reasonable options which I presented them with in good faith. I am not asking for monetary remuneration however, I am seeking to have the foreclosure removed from my credit report. I have records to support all of my claims above and I am seeking the CFPB 's help here.
Consumer complaint received 2016-10-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CA)

In XXXX this year ( 2016 ), my wife and I submitted our mortgage payment on time. With a 5 week month coming up, we wanted to stay ahead on our payment so we paid 1.5 times our mortgage payment. Later in the month, we received a check from PNC, with no explanation or reasoning for the check. Thinking it was because of an " overpayment '' we cashed the check. About a month later, since my wife runs a business, she checked her credit and found that her credit had dropped due to a " late '' payment reported from PNC. Come to find out, PNC made a mistake by mailing us this check, so after we cashed it, PNC reported it as a late payment on our end. After multiple phone calls into PNC, they admitted it was their fault, that they should not have sent out the check to us, and that we just needed to write a letter explaining the situation to them and that PNC would decide if they were going to remove the late fee or not. My wife submitted the letter to them, no response. Come XXXX XXXX, 2016, my wife and I are trying to apply for a new home loan to move into a new house and sell our existing XXXX. After running a credit report, our lender found that the " late payment '' was still showing up. We contacted PNC, they stated they had mailed us a letter stating they only had to report " accurate '' information and they were not going to remove this from our credit report. I want to know how they have to report " accurate '' information, but they do n't report that this was their fault, which is clearly is and they admitted it was their fault. I was PNC to work to get this removed from our credit, as it is hindering my wife 's business and hindering my family by not allowing us to get a new loan for a new home. Researching online this is a very common issue with PNC and I feel it is not fair, accurate or ethical to ruin people 's credit because they are sending customers checks that they should not be sending out. This is a terrible business practice, PNC I feel is unethical in this regards. I have been current on my mortgage for over 3 years, I make a payment for MORE than my mortgage, and no my wife 's and my credit gets hit hard. Even when calling PNC prior to them stating this as a " late fee '' PNC representative told my wife that everything was current and up to date. If they would have mentioned anything about this, we could have easily corrected it at the time and our credit would not have taken a hit. I think PNC should work to correct their own mistake and remove this false " late payment '' hit from my wife 's and my credit immediately.
Consumer complaint received 2015-09-14
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (SC)

When paying the Sams Club XXXX online, the authorizing screen switches to the minimum payment, typically {$25.00}, if you do not wait for the previous screen to fully come in before clicking to proceed. The only indication that it has not come in fully is a small circle still spinning near the top left of the screen. 
This has caused me and I 'm sure countless others to end up with unwanted finance charges. I complained to the company. They returned my fees, but I see they have not fixed their website and it almost happened to me again, today.
Consumer complaint received 2016-05-05
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (LA)

Synchrony Bank/ Care credit is continuing to report incorrectly with equifax and experian after agreeing in writing to remove incorrect information. My original dispute in XXXX 2016 resulted in an agreement to remove from my file a 30 day late pay. XXXX months later this information is still being reported. It is absolutely ridiculous how unresponsive and difficult it is to navigate their dysfunctional system. I also intend to file complaints against equifax and experian because they are not reinvestigating because if they were the agreement in XX/XX/XXXX would be discovered, the item in question deleted, problem solved. People should not have to babysit their credit report.
Consumer complaint received 2017-03-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: SYNCHRONY FINANCIAL (VA)

I am an XXXX service member. I was XXXX XX/XX/XXXX-XX/XX/2016 I am inquiring about settling a debt in collections. I have paid off Wal-Mart credit card in full now I just need to dilute my credit history. All other bills and inquires are paid on time bjt my credit is terrible to this please help!
Consumer complaint received 2016-01-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Convergent Resources, Inc. (WI)

A XXXX agent represented a monthly service amount of {$34.00} on XXXX. After installation on XXXX, they started billing more than the agreed price. I paid the contract sum in XXXX, XXXX, XXXX and XXXX, but no overages. After many requests to fix the bills, XXXX XXXX failed. Since they breached the contract, not me, service was discontinued in XXXX XXXX, and they were not entitled to early cancellation fees. XXXX and their agents nevertheless started sending collection letters on XXXX. Fully aware of the dispute, XXXX XXXX tried to take {$270.00} using my credit card on XXXX, without my consent, or a Judgment. Their attempted theft was reversed. Over the years, XXXX agents, XXXX XXXX ( XXXX ), Financial Asset Mgt. Systems ( XXXX ), XXXX ( XXXX ), XXXX ( XXXX ), and Convergent ( XXXX ) all sent harassing letters. The latest Convergent letter arrived XXXX. XXXX and its agents know the 6-year breach of contract statute of limitations ran in XXXX XXXX. Collection efforts are now clearly illegal and frivolous, as they have no basis in law. Monetary relief is requested.
Consumer complaint received 2016-09-16
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: EMBRACE HOME LOANS (AR)

I recently refinanced my house through Embrace Loans. A few days after closing in XX/XX/XXXX, they sent me a letter stating XXXX would be my new servicer. Then I received another letter in XXXX stating my new servicer was XXXX XXXX XXXX effective XXXX XXXX. My first payment was due XXXX XXXX. The letter from XXXX was dated XXXX XXXX, 2016. If I would have known all of this, I would have not gone with Embrace, I would have gone with a local bank or a XXXX XXXX. I was told my closing cost plus additional amount would cover my insurance and property taxes, I was assured by a representative from Embrace that this would be paid through the process. When I spoke with a representative tonight from XXXX on XXXX XXXX. They said the property taxes had not been paid for XX/XX/XXXX. She said that if the bill had been forwarded to me, they were not responsible for the penalty. And they would pay the penalty if were billed to them. I had no idea what she was talking about because I thought everything would be handled smoothly. Then she backtracked some, saying that it would be ok she was sure since I was new. I want to make sure my property taxes are paid and everything is legitimate. This is my XXXX complaint. Refinancing your home is big deal. I have lived hear for ten years. I want to make sure there is an accountability system here and everything will taken care of in a proper manner.
Consumer complaint received 2017-01-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Convergent Resources, Inc. (FL)

This debt does not belong to me. I have requested documentation verifying that this debt belongs to me and I have not received it. I would appreciate it if this company could provide the information that they used to verify me as the owner of this account or delete this negative account from all XXXX credit bureaus asap.
Consumer complaint received 2016-08-18
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Neuheisel Law Firm, P.C. (TX)

Neuheisel law firm contacted my phone number and my wife 's cell phone looking for her brother. They stated he listed the numbers as contact information. They lied, he does not know our home phone number. This company is skip tracing relatives to get to him. When told not to contact us, they called my wife 's number. 

This company is engaging in illegal communication tactics. They get rude when you tell them to lose my number. Lastly the home number they contacted is in Texas the person they are looking for is in Arizona.
Consumer complaint received 2016-12-22
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: JAYANDBEE INC /dba/ HOOSIER ACCOUNTS SERVICE (IN)

my wife called hoosier accounts to ask about a paid judgment. hoosier accounts stated they had no record of paid debt then hoosier accounts decided to tell my wife about a unrelated debt and amounts supposedly owed. I did not give hoosier accounts permission to discuss any account information.
Consumer complaint received 2017-01-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (CA)

I notified my mortgage lender that the State of XXXX was going to pay taxes because I am XXXX back in XX/XX/XXXX in writing per RESPA rules regarding correspondence and the lender did not answer with in XXXX days. I asked the lender to answer and to remove the taxes from my payment this request was made threw correspondence and over XXXX phone calls, including XXXX of XXXX approval letter XXXX that were sent to the mortgage company telling them the mortgage taxes would be paid for XX/XX/XXXX and XX/XX/XXXX. I asked that the impound account be removed and it was denied with no letter they told me when I called in because my loan is fha. I asked for the XXXX in escrow since the taxes are paid for XX/XX/XXXX and XX/XX/XXXX by the state and they gave me a hard time and several times told me they do n't care about only XXXX months cushion or RESPA that they have there own rules. It now XX/XX/XXXX and they told me they mailed me a check XX/XX/XXXX 16 days ago. 
I did not receive a check and they told me there keeping XXXX for cushion. I have never been late and own XXXX percent of my house. They are holding more than XXXX cushions in violation of RESPA and I never received a check. They told me there billing me monthly for XXXX which includes taxes for XXXX x XXXX = XXXX which is more than XXXX cushions as the taxes have been paid for XX/XX/XXXX and XX/XX/XXXX. They told me they did n't care because they rules trump RESPA. Although I have told them I elect to have the state XXXX program for homeowners pay the taxes for 2 years so there is no need to include the taxes they want to hold the extra cash to the tune of XXXX and they have n't paid me interest. XX/XX/XXXX taxes are paid and I sent the proof so if the taxes are paid why would the lender collect the money on paid taxes? That they have proof of. Its predatory lending on the XXXX. 
Where my interest on the escrow balance? The state gets the tax bill not them. 
I wrote and told them everything per RESPA no letter addressed any of it from XXXX aka loan depot. Please help me I am XXXX. I have become sicker and the phone for hours for 4 months XXXX XXXX XXXX XXXX XXXX XXXX and XXXX. XXXX.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Billing disputes — 
Company: CAPITAL ONE FINANCIAL CORPORATION (OH)

Capital One has charged me interest when I paid the balance printed on the current statement in full and by the due date. The supervisor is claiming this is due to the fact that charges posted afterward. When I questioned the most recent statement, I was advised that this was because my due date was on the XXXX, but my next bill generated on the XXXX, resulting in further charges being due. I asked how I could be charged interest on something that had n't yet been reflected on any billing and the same answer was repeated. The charges have not been credited back to my account. I even asked the supervisor if this is legal under the Credit Card Act, but again, received the same answer. I also read this to the supervisor. The XXXX line on the back of their bill reads as follows : How can I avoid paying interest charges? If you pay your statement 's New Balance in full by the due date ( which I did ), we will not charge you interest on the portion of the balance that you did not pay. It made no difference.
Consumer complaint received 2016-07-25
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

On XXXX XXXX I HAD multiple failed attempts to a remove a 30 day late payment due to a financial hardship and also a mistake with customer service in which they waived the late payment fee however failed to explain that it will be included in the next month 's minimum payment caused me to fall behind. I decided to open a XXXX dispute. I was contacted almost immediately by someone I believe in the executive office who said she expected to get back to me the following Monday and if not way before XX/XX/XXXX. I am still in the same situation and today is XXXX XXXX, 2016 and I have yet to receive a call or response at all. 

I recently applied for an apartment because I have to move urgently however was denied because of a 30 day late payment from you guys I would like have it removed I have tried to always keep my account up date and it is negatively affecting me emotional and physically because i do n't want to end up in the street with a XXXX year old due to not being approved to no apartment. I have disputed it many times and I have been told by different representatives that yes it would be removed and nothing. I had a financial hardship but since then have always made payments. I 'm very disappointed that you would rather see a customer go and its seems as the customer is not important all that is important is the money to be made.
Consumer complaint received 2017-03-29
Product: Debt collection — Auto
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CCS Financial Services, Inc. (GA)

Credit control services, representing infinity insurance has violated the FCRA by not providing documents to me in regards to this debt.I am unaware of this creditor and have not recieved anything that pertains this debt.This account is unverified and imediately needs to be deleted from all credit files-XXXX, XXXX and XXXX.The bussiness is required to disclose to me all of the documents that they have recorded and retained in their files that pertrains to this debt.If Credit control Services does not have any documentation they need to retract this from my credit file immediate XXXX
Consumer complaint received 2016-10-24
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

I sent a notice for verification they did not give me the original date of the charge off on this account, nor could they give me a copy of my original signature card and if they were license in the state of CA. I did not get verification with the 30 days and they are refusing to delete this false information off my credit report
Consumer complaint received 2016-02-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: MOHELA (MA)

My XXXX loans are serviced by Mohela. When Mohela became the new servicing company in XXXX XXXX I immediately called customer service and asked what actions I needed to take to ensure that I could make payments toward the principal of the loans. They told me to write a letter and request that, " Pay Ahead Status '' be removed from my account. On XXXX XXXX, XXXX I sent them a letter, and on XXXX XXXX Mohela acknowledged receipt of the letter. On XXXX XXXX, XXXX I noticed that payments I intended to go towards principal were going towards interest. I called and the customer service representative told me that the cancellation of 'pay ahead status ' had only applied to one month. He informed me that I needed to write a new letter and request that pay ahead status be, " permanently '' cancelled. When I called in XXXX, the customer service representative said nothing about about needing to use the word, 'permanently ''. 
I have loans from my XXXX degree at XXXX College in XXXX, Massachusetts, and from my XXXX XXXX at University of Massachusetts in XXXX, Massachusetts.
Consumer complaint received 2017-05-18
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (IL)

Navient .... do I need to say more!   They have harassed our EX-in-laws to death!  XXXX  &  XXXX   XXXX .    XXXX . The  XXXX  are now threatening legal action against  US!    YES! My daughter  XXXX   XXXX  -  XXXX  owes this company LOTS of student loan money. She is an UN-employed  XXXX  living  XXXX  knows where!   When she was employed she made her payment timely. When she was n  't, Navient would n't work with her for a repayment plan - without her co signers last 6 mos. of bank statement and paycheck stubs!!!!! WHY would they need MY financial history when SHE is willing to re-pay?? I am in bankruptcy and my house is in foreclosure. I am on a medical leave and have n't received a paycheck in 5 months.
You cant get blood from a turnip! If Navient practiced   the same repayment plan as ANY federal loan  - Meaning Federal  loans in repayment are so easily negotiated.   Instead Navient hounds, humiliated and harasses!
Consumer complaint received 2022-12-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Trouble using your card — Can't use card to make purchases
Company: WELLS FARGO & COMPANY (SC)

Approval email from the Wells Fargo Autograph card said it would arrive in 5-7 business days. After 7 business days, I called and inquired about where the card is in the process. However, the customer service representative said it might take another 2-3 weeks, and the supervisor said it might take another 1-2 weeks. Then, they said they are backlogged for over a month for some customers. Then the supervisor said " oh wow, it just changed to in process just now. '' When I called again, the customer representative said " in process just means when you were approved. '' This is a huge lie from the supervisor to get me off their back by saying it's in process/moving forward when in reality there is NO movement. This is directly contradictory to the " 5-7 business day '' email they sent, and they declined to expedite the card when asked multiple times. However, there is still no definitive date as to when I will get my new credit card as it has not even been made/shipped yet. A colleague of mine I recently found out took over 1 month to get his new credit card.
Consumer complaint received 2016-02-02
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: ENCORE CAPITAL GROUP INC. (MI)

I have been traveling out of town for the last two weeks for work and returned home last Friday to find a POSTCARD in my mail that had been collected for me by my neighbor with information about a class action lawsuit for Midland Credit Management. I was absolutely mortified! I do n't even owe Midland any money ( debt was paid last year ) and they do this? This is absolutely horrible.How embarrassing that my neighbor saw this! 

I know that the FDCPA prohibits debt collectors from using unfair or unconscionable means to collect or attempt to collect any debt. 15 U.S.C. 1692f. Further, Section 1692f ( 8 ) specifically limits the language that debt collectors may place on envelopes sent to consumers : Using any language or symbol, other than the debt collectors address, on any envelope when communicating with a consumer by use of the mails or by telegram, except that a debt collector may use his business name if such name does not indicate that he is in the debt collection business. This postcard I received identified me as part of a class action settlement against a debt collection agency. Specifically MIDLAND CREDIT MANAGEMENT! How did this happen? 

I can not even tell you how much this has distressed me being publicly humiliated like this. I am certain this will probably lead to ANOTHER lawsuit if it has n't already.
Consumer complaint received 2015-04-12
Product: Prepaid card — ID prepaid card
Issue: Unauthorized transactions/trans. issues — 
Company: AMERICAN EXPRESS COMPANY (NC)

I would like to document a complaint against the American Express Serve XXXX. On XXXX XXXX, 2015, I used the new bill pay service to pay my car note via their website at americanexpressserve.com. I then contacted the Customer Service just prior to completed the bill pay. After I clicked the submit the Representative XXXX ( name unknown ) then told me the payment would not be mailed out as a check. 
The reason this is an issue for me is I was previously told by Representative XXXX ( name unknown ) the payments sent through the American Express Serve bill pay process would be sent out as a check. 
My lien holder for my automobile does not accept American Express. However, my lien holder does accept checks. I need to have this processed in a way which will be received by my lien holder, or I need to know what happens to my money. I have the receipt which I can send to whomever needs it.