davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-10-11
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Stearns Ventures, LLC (CA)

To whom it may concern, I am writing regarding my current mortgage lending company : Stearns Lending who is currently subcontracting through an agency XXXX to handle some loan issues. 
I had water damage to my den and back bathroom on XXXX XXXX, 2016. My home insurance company XXXX XXXX sent me a check to repairs these areas. The check for reimbursement {$13000.00} was sent to the attention of the lender and myself. I signed the check and sent it to XXXX XXXX XXXX on XXXX, XXXX, 2016 and they were suppose to sign it and issue a new check. I have been waiting 4 months to receive the reimbursement and fix my den and bathroom. In the meantime I have been reduced to using only XXXX bathroom in my house. I have a son that has a XXXX and is seen at XXXX. He XXXX and it is difficult for XXXX people to use XXXX XXXX when someone has a XXXX such as this. Also due to my previous bathroom being gutted it has let mice, ants, roaches and other rodents into my home. This has cause significant stress to me and other members of my household. They recently told me they would send me a disbursement to start the work. I ended up receiving a check for {$93.00} in the mail. I 'm not sure how they think this will get me started but I did not cash it. I do n't understand why they are holding on to the funds to fix my home. I have provided all the necessary documentation and permits. I need help. I have spoke to various managers and no one is doing anything. Also I am also the one that payed the insurance to cover my home. I spoke with XXXX XXXX and they also do n't understand what is taking so long and why the home has not been repaired.
Consumer complaint received 2016-12-01
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

I am the executrix of my mother 's estate. She died almost 3 years ago.. She has XXXX accounts at XXXX XXXX Bank XXXX I have corresponded with them on several occasions and had to redo my request twice because of wrong dates, etc. About 3 weeks ago I sent all the completed paperwork. This week I decided to call to see how things are going. Over 2 days I spent 6 hours and 36 minutes trying to speak to someone at PNC. Most of the time I could not even manage to get through to a person. The automatic answer system did not allow me to request to speak to someone. Twice I got through and asked for the number of the department that handles estate issues. Both times I was given an incorrect number. The last time I reached someone, I simply explained my situation and asked for the phone number. In order to get a phone number from this gentleman ( he gave me an incorrect number ) I had to give him, my name, my address, my social security number and birth date. Out of the 6 hours and 36 minutes I had contact with XXXX people and total conversation with each was about 5 minutes. The rest of the time I spent trying to get through the automated system. I still have not been able to speak to anyone about my mother 's money. The frustration of their automated system is horrible. I do think I should be able to speak to someone. 
Eventually I called a local branch and asked someone there to help me. The kind woman said she would get a message to the escalation department. The following day I received a voicemail from PNC leaving me a phone number and asking me to call back. When I called the number left on the voicemail it was to the PNC directory assistance center and she did not know anything nor could she help me. Eventually I managed to speak to the man that left me the message. He said he had no knowledge of why I called, did n't know anything and said he was n't given any information. 
It is impossible for me to get help with this. I have tried and tried. I have heard nothing back from the first complaint I filed.
Consumer complaint received 2017-01-19
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (FL)

On Saturday XX/XX/2017 I went into my bank branch to sign papers to be able to transfer funds between my business and personal accounts and to cash a check. The teller refused to sign me in and let me wait in line for a banker and she then refused to cash my check ( MY business account check written to ME for cash ) and she refused to allow me to close my accounts as I requested several times. She said she was teaching me a lesson. There were no holds on my account, no reason for the check not to be cashed. She was mad at me because I said I was taking my money to another bank and she then absolutely refused to let me do anything at all on my account. I have filed formal complaints with the bank and have spoken to the branch manager. No one has called me back, when I call them no one will talk to me now. There have been many other problems as well, but this one has by far been the worst.
Consumer complaint received 2016-06-16
Product: Payday loan — 
Issue: Can't stop charges to bank account — 
Company: Green Trust Cash, LLC (GA)

XXXX XXXX XXXX is the bank I use. I had to get XXXX loans to help a my spouse during a crisis and the amount for each has been paid in full but each company still expects me to pay additional money which will triple the original debts. Green Trust Cash will not acknowledge my request to end the account despite not being federally licensed in Georgia where I live, the reason is that they operate under an XXXX Federation Reservation laws. The other, Loan at last is no better but they at least do n't harass me as much.
Consumer complaint received 2017-01-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: EQUIFAX, INC. (CA)

Willful non-compliance as per FDCPA 807. False or misleading representations 15 USC 1962e On ( XXXX/XXXX/XXXX ) I wrote to ( Equifax ) to request verification of a BankruptcyXXXX regarding CA FED BK-XXXX Ca. XXXX, which they have been reporting to the credit file. I formally disputed this claim. I not only disputed this claim for verification and validation this Bankruptcy within 30 days of receiving my certified letter ( receipt number XXXX XXXX XXXX XXXX XXXX XXXX ) received on XXXX/XXXX/XXXX. Equifax not only failed to provide me with verification, they did n't respond to me at all and continue as of today XXXX/XXXX/XXXX to still report to the credit bureau, which has been detrimental to my credit score for a Bankruptcy they were not able to verify. Let me explain. 

I am including all documents to show that Equifax is making false statements and representation. First off Equifax did not respond to me since XXXX XXXX, XXXX i included my receipt to my certified letter. Before I sent another dispute to them prior I had put security freezes on XXXX, XXXX, XXXX, XXXX XXXX have documents to show proof if needed. ( see dates ). 

I have also included the letter from the XXXX Court stating that they do not report to any Credit Bureaus. I have also included the letter I received from Equifax stating they verified it with XXXX XXXX after the time the security free was started " How is this possible which has been detrimental my livelihood and my credit score
Consumer complaint received 2016-12-06
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: BB&T CORPORATION (SC)

I requested a credit limit increase from my bank ( BB & T ) for my credit card over the phone but the agent did not know whether a hard or soft pull was need so I explicitly stated the stipulation to note on the request that if they need a hard inquiry on my credit report do not proceed with the credit limit increase. A week later, I noticed an increased credit limit and once I checked my credit report noticed XXXX hard inquiries on my credit report. 
I contacted BB & T and explained the situation. The agent ( XXXX ) I was speaking to had her Supervisor ( XXXX ) listen to my original phone call and she confirmed that I made the request NOT to perform a hard inquiry on my credit report. XXXX send a dispute request to the XXXX to remove these inquiries from my credit report. She told me it could take up to 10 days to file with the credit bureaus and 30 days to see the update to my credit report. I asked for an email confirmation of the discussion we had and I figured everything was solved at this point. I never received the email confirmation. 
A few days later, I received a letter in the mail from the BB & T Bankcard Services stating they concluded that the information was reported to the credit bureaus accurately and closed the dispute. Keep in mind a few days earlier the supervisor ( XXXX ) listened to my phone call in which I specifically said not to perform a hard inquiry and admitted fault. I was confused in their finding so I called BB & T again and they informed me I could not directly contact the BB & T XXXX department and they could not tell me what information they provided that department for their investigation. The agent said the only thing I could do at this point is contact the XXXX credit reporting agencies. 
I first contacted XXXX and they said that they could not do anything about removing the inquiries on my account made by the bank. All I could do is file a police report and file a complaint with the CFPB. 
That is where I am at right now. BB & T has a recording of the original phone conversion in which I specifically asked for them NOT to perform a hard inquiry on my account but their internal XXXX department found they were not at fault for the XXXX unauthorized hard inquiries on my credit report.
Consumer complaint received 2017-01-27
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (SC)

I have had damage from Hurricane XXXX, from XXXX foot storm surge in my downstairs. The adjuster came, I received a check, but the check was written to me and my ex 's mortgage company BB & T. XXXX will not change the check for me. From my divorce decree, it is very clear that I am the only homeowner, and because my ex did n't have the cash to pay me off in the divorce, I allowed him to change the mortgage to his own name. BB & T purchased his mortgage apparently. I have made about 20 phone calls to their Property Damage Claim Department XXXX, and have sent in personal documents they have requested despite the fact that I have no relationship with them, contractually or otherwise. I asked them to allow me to get a local branch endorsement so that I could proceed with the hurricane damage repairs, but today they turned me down and expect me to endorse the check over to them and turn my life and house over to their control. The check is for flood insurance that I paid voluntarily due to my property being in flood plain XXXX, which does not require flood insurance to be escrowed or even kept on the property ; I did this for my own safety, and if I did not have any flood insurance, would have taken a financial beating with this hurricane, and BB & T would not lose a dime regardless. I am tired of their meddling in my business, and refused to submit to their demands that I endorse the check over to them, file all manner of paperwork with them and inconvenience my subcontractors. Once again, I have no relationship with BB & T at all, and the mortgage on this property is a very small percentage of the value of the home, yet I would lose a tremendous amount of money if I were forced to sell it with the damage.
Consumer complaint received 2015-04-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (PA)

My husband and I applied for a mortgage refinance with Quicken Loans in order to remove the private mortgage insurance from our current mortgage. I was upfront with them from the beginning regarding the change in our tax rates and that a county/city tax bill was due to be paid from the escrow very soon, possibly before the day of closing. I asked them to be sure they had the most recent tax values prior to closing and they assured me the settlement company would research that for me. I found the bills posted on the county and city websites so assumed the settlement company would have no problem getting the information from the treasurer 's office directly. The day Quicken called to schedule the closing I noticed they had included the city taxes that had been paid by our current mortgage company a month earlier. I supplied a receipt and they rescheduled they called back a day later to reschedule the closing claiming they had verified the payment. My husband and I reviewed the tax numbers and saw they were in fact higher than the year before as expected so we felt Quicken had done their due diligence and gotten the updated tax bills so we signed the closing documents. Two days later Quicken called and said a special assessment had posted to our account and the taxes were going to be higher and in order to finish the closing Quicken needed an additional {$1100.00}. They claimed the documents had just posted to the county/city tax website, when in fact the documents had been there since XXXX 2014. We still were within the window to cancel the loan under the right to cancel clause, but Quicken said we forfeited our {$500.00} good faith deposit. I would like our {$500.00} return and an investigation into their practices.
Consumer complaint received 2015-06-15
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Paypal Holdings, Inc (FL)

On XXXX XXXX, a PayPal Credit account was open without my consent. A credit inquiry was made by PayPal credit with XXXX. Once I found out I immediately notified PayPal credit of the fraud and closed the account. I was told to fax in a letter explaining the situation and PayPal Credit would contact XXXX directly and have the inquiry removed. I faxed the letter and received a letter from PayPal that I need to contact XXXX myself. So I did so and XXXX informed me that PayPal must contact them directly, I can not resolve the issue alone. So I informed PayPal of this and again they told me to fax a letter explaining everything and they would handle it. I sent my XXXX fax to them and received the same letter as before saying that I must contact XXXX directly. I called PayPal again and spoke with a manager named XXXX XXXX she basically told me its my problem and they refuse to do anything for me.
Consumer complaint received 2015-04-24
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Flagstar Bank, N.A. (TX)

As a XXXX employee, I was subject to unpaid XXXX in XXXX and XXXX XXXX and was looking at having to choose between mortgage payments and feeding the kids. Up to that time, every payment since XXXX had been on time. I contacted the holder of my VA mortgage, Flagstar Bank, and was told to submit hardship paperwork and they would look at a loan modification or other solution. I submitted - and heard nothing back. Calls to my 'single point of contact ' - no one else could discuss the situation - went to voice mail and were never returned. Submitted again in XXXX XXXX ; no response. Called by a VA rep in XXXX XXXX and submitted a XXXX time, with copies to VA - again, no response. In XXXX XXXX, notified of intent to foreclose. Hired an attorney and on XXXX XXXX, XXXX, received a TRO stopping the foreclosure. Flagstar attorneys moved the case to federal court and created a situation where my attorney fees would escalate dramatically. My attorney got an agreement to dismiss the case without prejudice and a promise the Flagstar would actually look at my modification request. Never heard back from Flagstar until recently, when I again received a foreclosure auction notice for XXXX XXXX. After repeated calls to Flagstar, I finally got a live person on XXXX XXXX and they sent a modification package - received XXXX XXXX - which states they can not stop foreclosure unless received more than 37 days out. Throughout this process, Flagstar has engaged in many of the same actions that were the subject of XXXX XXXX consent order.
Consumer complaint received 2016-09-28
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (NC)

I have paid my bills on time and have a good relationship with my creditors. However, my new Dicks Sporting Goods Credit Card issued by Synchrony Bank lowered my available credit by XXXX % in less than 30 days with little or no warning until a letter was mailed explaining the reduction after the fact. A reduction of my available credit has caused an increase in my overall credit utilization. Such constructive activity by the credit issuer adversely affects my credit rating where my credit utilization will remain high based on the extreme low credit limits placed by Synchrony Bank. If Synchrony Bank would have left my initial credit limit, then my credit utilization would not be affected, and my credit score would remain steady, secure and much higher than it is today. I could understand if I was in default or habitually behind in payments, which I was not. Constructive credit practices by lenders that affect credit reporting without recourse or corrective measures should be unlawful or illegal especially when there is nothing wrong with the credit account.
Consumer complaint received 2016-10-24
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Student Assist Plus LLC (PA)

In XXXX of XXXX I received correspondence offering assistance from Student Assist Plus, a student loan forgiveness program. I received a welcome letter, a client agreement, XXXX form, form authorizing automatic debit from my bank account, as well as a Student Discount Plan Enrollment Agreement. Student Assist retrieved $ XXXX month up until cancellation on XXXX of XXXX. Student Assist was asked two months prior to stop ACH debit and continued to take money until current stating they had no knowledge of my request. They also stated that XXXX, whom I pay my loan to, was under investigation and that I could not maintain my current payment status without their assistance. It is unfortunate that we attend school and make barely enough to live an repay the high loan costs only to be additionally duped by an agency that alleges to help.
Consumer complaint received 2020-01-20
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Closing your account — Company closed your account
Company: BARCLAYS BANK DELAWARE (IN)

Wyndham time share charged my Wyndham rewards credit card twice after being told to stop ( XX/XX/19, XX/XX/19 ). One charge was immediatedly reversed. The other took 5 months to reverse ( XX/XX/19 ). The credit card company eventually removed my late fees/interest, which put me at a {$0.00} balance as of XX/XX/19. I am being told that the credit card company is now having my late payments being removed from my credit as of XXXX XXXX. During this time period my card was closed due to non-payment of this unauthorized charge, which was in dispute with the creditor and credit card company. I have made numerous calls to have my card re-opened. 1st 2 calls, Credit card company said they were submitting request to try to get re-opened. These request were undocumented by card company. 3rd call said they don't have the authority to reopen a closed card. My card was at a {$0.00} balance before/during this dispute process. My payments were on time and my card was open.
Consumer complaint received 2017-01-19
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (RI)

XXXX/LenderLive wrongfully charged me a late fee for a payment that arrived to their facility prior to the XXXX of the month. When I contacted the company, I received different answers from different people and was left on hold for long periods of time when I asked to speak with a manager. Additionally I had to call several times to get the issue resolved. This issue has occurred more than once and is starting to become a monthly chore.
Consumer complaint received 2016-11-26
Product: Credit card — 
Issue: Advertising and marketing — 
Company: SYNCHRONY FINANCIAL (NH)

Synchrony Bank Financial keeps emailing me constantly ; telling me to apply for Wal-Mart 's card. They know I am on a fixed income for XXXX They keep sending me these applications to apply and repeatedly deny me. They only check my XXXX score and have run it this year about twenty times inquiries. This really is harassment because they know full well they have no intention of approving me. You can tell what kind of company they are by reading the reviews I included.
Consumer complaint received 2016-04-06
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (FL)

In XXXX 2015 I opened a credit card account through XXXX XXXX with Synchrony Financial. I immediately charged {$3000.00}. XXXX XXXX has continued to place charges on my account without my knowledge and Synchrony Bank is accepting these charges that put my account OVER and above the credit limit I was approved for. This has happened more than 2 times and the last was for a charge of {$2200.00} of which I had no idea about until I got the credit card statement in the mail. Separately I have contacted XXXX XXXX regarding the validity of this charge ( and replacement for a defective furniture received ). I can not understand why Synchrony would approve these charges that are over and above my approved credit limit ( which is {$9700.00} ). When I called Synchrony to report the unauthorized / fraudulent charge of {$2200.00} I asked to speak to a Supervisor. She was extremely rude and said " we can not control fraudulent charges made on a credit card ''. She refused to acknowledge that they could say NO when a charge is over and above the approved credit limit. I immediately requested my account be closed to further charges. They have since transferred that outstanding balance to a new account # and provided me with a new card ( for the new account of which I have no intention of activating ). My concern is that this amount that exceeds my credit limit is reported to the credit bureaus and will bring my credit scores down significantly since XXXX % of your sores is the ratio between your balance versus the limit. I do n't feel they are taking this issue seriously and while I have filed a fraudulent complaint regarding the {$2200.00} I am very concerned with their practices which allows XXXX XXXX to charge anything they want to a consumer credit card with no protection or consideration to consumers best interest.
Consumer complaint received 2017-02-28
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NC)

On XXXX/XXXX/2017 I was erroneously billed {$4000.00} for granite countertops. On the same day I was billed the correct amount for the countertops we had installed {$3400.00}. I filed a dispute with Synchony bank, but it was closed without me or the store ( LOWE 'S XXXX NC - Store # XXXX ). They sent me a letter stating that they trust the dispute had been resolved to my satisfaction. Nothing was done to resolve the matter. The charge still remains active on my account. I tried to contact them again today, but they could only offer to re-file my dispute. At that time I asked them how I could escalate the matter, and they did n't provide me with an acceptable response. I then asked them what government agency I could escalate the matter to. I was told the only way to submit a complaint was to them, which I know is wrong. I then found you guys through XXXX. I 'm hoping you can help, because at this point. I do n't think they are going to remove the erroneous charge.