davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (FL)

My house was placed into foreclosure status with a sale date of XXXX XXXX, XXXX. I have been working closely with DiTech to modify the mortgage and avoid losing my home. I submitted ALL required documents via fax in XXXX XXXX. DiTech agents went back and forth with me for weeks requesting duplicate information. On XXXX XXXX, XXXX a DiTech agent advised me that all documents were in and would be forwarded to loss mitigation and the sale date would be postponed. To date I have been unsuccessful reaching anyone to confirm the status of my application ; no one answers or returns my calls. I contacted XXXX in XXXX for assistance ; today XXXX XXXX, XXXX, the representative and I learned today that DiTech needs XXXX additional documents to consider moving forward with the modification.Further, the representative was concerned that precious time passed and at this point I have not received any significant feedback. DiTech has not communicated with me effectively, I have been misinformed, not given the correct information or asked for duplicate information. I had adequate time to settle this matter with DiTech, because of their lack of concern I am not days away from foreclosure and no one to help me right the wrong DiTech has caused. I am in a desperate situation and I simply request that someone intervene in the process to allow time for the modification to be reviewed. I am running out of time, and simply can not afford to leave another unanswered call.
Consumer complaint received 2016-04-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

Ditech Mortgage illegally and unlawfully withdrew {$390.00} from my checking account. I have autopay set up with Ditech and Ditech took advantage of my autopay by removing monies not authorized. My current mortgage payment is {$740.00} and I wished to pay another {$100.00} towards the principal. When I called to report this after much wrangling, Ditech agreed they were wrong. The Ditech Autopay system " had just been upgraded '' which I suppose gave Ditech a license to take my money. I want the CFPB to do a full investigation of Ditech 's payment processes online including a careful review of autopay. I was unable to cancel my autopay even though the system made me believe I had cancelled autopay after I discovered the unlawful withdrawal. Ditech had to remove the autopay in a phone call.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

I requested my mortgage servicing company to cancel my escrow account be my mortgage payments continue to escalate over several years until now we can not afford the payments on the loan for the current year of XXXX. We submitted a request in XXXX XXXX. I was told since we have a conventional loan a written request must be faxed or mailed. I sent the request through a fax letter with the loan number. This company police holds {$700.00} in reserve fund above the total amount it disbursed for property taxes and insurance. We are now finding it hard to make new loan balance payment each month for year XXXX.
Consumer complaint received 2015-04-16
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: PDQ Services, Inc. (GA)

This account was added to my credit bureau on XXXX XXXX XXXX after being notified this was included in chapter XXXX bankruptcy XXXX XX/XX/2013. I 've had a representative call me after the fact.
Consumer complaint received 2016-09-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (GA)

For the 2nd time in a year, Ditech has issued me a notice of non-payment on my mortgage. They have added a {$40.00} late charge and threatened to report the non-payment to credit reporting agencies. Because of the TERRIBLE on-line reputation of this company, I have been sending my monthly mortgage via USPS Certified Mail. 

Once again I am being told the funds have not been taken from my account so I am late. I have provided the USPS tracking number and the Ditech representative verified the USPS delivery. They still say it is not their problem and I am responsible for their inept handling of financial documents. 

I told Ditech I was willing to re-send the payment provided they credited my account the {$40.00} late charge and a {$39.00} stop payment fee. They refused and maintain the check has not cleared the bank so I never made the payment and consequently, I owe them the money and my tardiness will be reported to credit agencies. 

Ditech has independent confirmation of delivery via the USPS Certified Mail tracking system that my payment was delivered to their post office box in a timely manner. Courts of competent jurisdiction have ruled this independent confirmation is valid. The check got to them. They lost it. They need to cover any costs of replacement and not to report any deficiency. 

These folks have a TERRIBLE online reputation for financial shenanigans like this. The last time they pulled this on me, I objected and they ended up finding the check, crediting my account, and removing the late fee. I hope there will be some type of class action against them in the future to provide an impetus to straighten out their shoddy business practices.
Consumer complaint received 2015-07-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MD)

I was on a trial period for a loan modification through PNC Mortgage. I made the first trial payment, but unfortunately the XXXX payment was applied mistakenly to a different account through XXXX XXXX. The mortgage company is telling me that they want to sell my home in 40 days. Please help, we just got back from out of town.
Consumer complaint received 2022-10-01
Product: Credit card or prepaid card — Store credit card
Issue: Getting a credit card — Card opened as result of identity theft or fraud
Company: SYNCHRONY FINANCIAL (NC)

XXXX where I used to work would force me to conduct illegal credit card transactions by forcing elderly customers to reapply for a XXXXXXXX XXXX XXXX  though they already had one. XXXX XXXX is the store manager who attempted to force me to do it. This person rewarded such behavior.
Consumer complaint received 2015-05-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

Regarding PNC Mortgage. We all know PNC Bank has been having problems remaining financially stable & are penalizing consumers. This is my XXXX complaint filed relative to unethical practices at PNC Mortgage. For the past 14 years, XXXX to date, I 've rented the home located at XXXX XXXX XXXX, XXXX, XXXX, WV XXXX and the mortgage has run from {$470.00} - current $ XXXX. The highest mortgage rate was a short period of time from XXXX XXXX into XXXX at {$610.00}. Each time, PNC Mortgage has completed a new Escrow Analysis to determine upcoming payments. By letter dated XXXX/XXXX/XXXX, PNC voluntarily notified me that " Under the XXXX of XXXX '' I was eligible for removal of PMI. XXXX deleted PMI on another rental property of mine years ago. In a letter dated XXXX/XXXX/XXXX, PNC recanted that the property is eligble for PMI removal. In XXXX XXXX, I contacted PNC as follow-up to their XXXX/XXXX/XXXX letter. In response, by letter dated XXXX/XXXX/XXXX, PNC stated " The HOPA of XXXX does not allow automatic termination of PMI for a second home or an investment property. ' 'Therefore, we are required to follow the deletion requirements of the loan vestor. '' In the letter PNC Mortgage is also requesting an appraisal at my expense. I also received separate correspondence of the same date, XXXX/XXXX/XXXX, with another Escrow Account Disclosure Statement. In this ( adjustment ) statement, PNC Mortgage indicates an escrow shortage of {$760.00} and an increase in monthly mortgage payment from {$560.00} to {$680.00} XXXX XXXX ). I have NEVER made any money on this property while renting ; have always had to supplement the monthly payment. It is my opinion that PNC Mortgage is being quite absurd about their inconsistent business practices. In the past, they have also overcharged for Flood Insurance on the property ( as has XXXX XXXX ) and also placed flood insurance on the property at the same time XXXX XXXX had provided coverage. * I am not able to scan to upload my supporting documentation, will need permission to fax or mailing instructions. My request is that PNC Mortgage be required to reimburse me for the duplicate and excessive flood premiums charged and also they further explain why their Escrow Analysis have been inconsistent over the past 14 years.
Consumer complaint received 2017-01-05
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Stearns Ventures, LLC (MN)

We want to state for the record we are a Business : XXXX filing the compliant on the consumers behalf ( our borrower ). We first started working with our borrower back in XXXX. It was an FHA loan that required a case number to be transferred to us as it was assigned to the property that was in the process of being purchased. that fell though due to financial difficulties. We were able to find a new property in XXXX for our client. This is the start of our complaint. After performing our query search we discovered that the case number that was attached to our borrower had been transferred to another Lender Stearns Lending. It then took 3 days to finally get in touch with someone who could assist with cancelling the case number ( it needed to be cancelled as our borrower was now interested in another property ) after another 3 days went by until were told by 2 parties from the lender that their records indicated the loan was closed. When looking up the information on our end we did notice that a closing date was entered for ( XX/XX/XXXX ) and MI was already collected for the old property our borrower was interested in-our borrower never closed on that property. We have documentation that proves cancellation of that property as well as the earnest money being returned It has now been over 2 weeks with no follow up from Stearns Lending. No documentation that our borrower closed on the property on their end. At this point there is closed a loan done by them using our borrowers SSN and date of birth on a property they never purchased. The lender is now " holding our borrower hostage '' as we can not proceed with our file nor will the borrower be able to close or purchase on any loan until the matter is addressed.
Consumer complaint received 2015-07-10
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (OH)

I obtained a mortgage through PNC bank. There are XXXX things that happened during the course of the mortgage process, XXXX is questionable, and the other is my specific complaint. The first packet of contract documentation had my interest rate set at 4.875 % instead of the 4.5 % that we agreed upon. They told me that it was a computer error where the .375 % was automatically added onto the original 4.5 %. My loan officer told me that he sent me an email stating there was an error, but I never received any communication to that effect. Had I not read the contract before signing, the 4.875 % would have stayed ( I am a XXXX home buyer ). The week prior to my closing date PNC 's appraiser said made a note about a front step of my house being a potential stepping hazard. The underwriter then delayed the closing by requiring the seller to remedy the issue. This pushed the closing date back a week. The original closing date was XXXX XXXX. A contractor fixed the problem on XXXX XXXX and the house was reappraised and approved on XX/XX/XXXX. The new closing date was XXXX XXXX. After XXXX on Thursday XXXX XXXX, I received a call from my loan officer stating that he had just sent me the final breakdown of costs for the closing via email and that he wanted to review it with me. Upon reviewing the documentation, he tells me that the bank charged me {$1500.00} for an extension of the interest rate that allegedly expired XXXX XXXX. I asked the bank how long the rate was locked in and they said XXXX days. I did not sign a contract with them until XXXX XXXX, which would have locked it in until XXXX XXXX. My main contention is that I was not told of the interest rate expiration or disclosed of the substantial fee until the call the night before the closing. I was moving into town from XXXX hours away and felt coerced into accepting the fee.
Consumer complaint received 2016-12-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

My mother passed away in her sleep, in her apartment in XXXX, IL, XXXX XXXX on XXXX XXXX, 2016. Her soon to be ex husband, who is on XXXX in Florida, is on XXXX filed for legal and financial separation after she left him about a year earlier. The decree was to be finalized towards the XX/XX/XXXX. He has no money and could not have done anything concerning the arrangements. She has a sister there ( XXXX XXXX ) who was trying to deal with everything although she has no money either. There remains only my sister and I. I being the eldest I stepped in for my Aunt 's sake. I paid for everything, the cremation, memorial, etc. I paid for my flight there and my stay there to try to take care of things. I also had to pick up the car, pay it off and drive it back to XXXX from Illinois. What remains to be resolved is the small checking account at PNC bank. In there is {$2700.00}. Social Security removed about {$XXXX} which they had just sent her so now there is the {$2700.00} left. Social Security removed this after I let them know that she passed away. I informed everyone, having the death certificates and providing them, that my mother passed away. I was originally told by PNC while I was there that I could hand write and notarize a document declaring that I will be handling her affairs as she left nothing, no instructions, will, POA ( except for what to do with her remains ). Someone else was supposed to have taken care of her remains ( POA ) but they did not, so it was left to me. My sister does not want to be involved although I have included her anyway. So PNC has told me that they need documents stating that they can send me a check for the balance of her account. They also told me the death certificate and the hand written notarize letter which they told me to produce would not resolve this. I spoke with many people at PNC to try to resolve this. So after several phone calls to the State of Illinois and OCC, I have been referred to you folks. I am hoping that you can help. They ( PNC ) told me they will hold on to the money for 4 or 5 years before releasing it to the state. It is not their money and it is easy to prove that I and my sister are her remaining, living children. Obtaining a lawyer would take much of the money so it would only add to the frustration. Filing a Small Estate Claim requires that I be responsible for her outstanding Credit Card debt. Not an attractive idea. I have not contacted any of the CC companies. There are no PNC branches out here in XXXX.
Consumer complaint received 2016-11-21
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (FL)

PNC Bank never gave me the promised sign up bonus. They bait and switched me into an account. Then, I deposited a check and forgot to authorize it. It 's a new knid of check I did n't realize I had to pre-authorize. So, I went back and put in another check and the bank kept it and told me my account was closed. I contacted the bank ASAP telling them I put a stop pay on the check and they reported me to XXXX for fraud. 
I also contacted them and asked to be opted out every way possible via their privacy policy and they claimed they could n't do it because my account is closed, which is illegal.
Consumer complaint received 2016-08-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

I have a collection account on my credit record with Experian that I have disputed multiple times and they still will not remove it. It should not be in my credit report because I am not responsible for paying the debt since I was not the insured party that incurred the debt and not on the policy or received the service. I disputed the same account with XXXX and XXXX and they removed it from my credit record - Experian will not remove it.
Consumer complaint received 2015-11-24
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (FL)

I am trying to close on my parents estate. I paid off the mortgage when my step father passed away, while my mother was still alive. Now the bank PNC is telling me I have to pay off a line of credit that was open back in XXXX. This loan was through National City Bank in Ohio. The debt was wrote off as bad credit by this bank in XXXX. PNC purchased this bank in XXXX and now is trying to get fund already wrote off " as bad debt ''. I have no documentation that this money was ever spent by my parents, nor do I have anything from any of the banks that they ever tried to come after the funds. The bank also can not supply me with any documents stating they tried to get these funds and or any statements.
Consumer complaint received 2016-01-22
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Paypal Holdings, Inc (TX)

My debt was paid by XXXX banks/XXXX and XXXX. PayPal continues to lock my account and it is restricted in order to collect this debt again. I was told by XXXX bank that they communicated with PayPal regarding this transaction. PayPal refuses to acknowledge any payments or communication from XXXX bank. Now both are refusing to give me any paper work to backup their accusations. I have disputed information from PayPal that is incorrect into records. PayPal refuses to correct anything other than change my old phone to my new number. This item was paid to PayPal twice.
Consumer complaint received 2015-12-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NC)

We are filing a complaint against SunTrust Mortgage Inc. which relates to our current Construction Loan. SunTrust is currently holding {$29000.00} of construction loan funds and is not responding to our numerous requests to move our loan to a permanent loan vehicle. The deadline for loan conversion was XXXX/XXXX/XXXX. Due to the persistent unresponsiveness of SunTrust representatives, we have been forced into a default situation, which has now been referred to counsel. Despite repeated attempts to contact SunTrust representatives, our attorney has been unable to even schedule a telephone meeting with anyone from SunTrust. At this point, we are likely incurring extra fees and interest charges. We would move our business elsewhere, but, due to a lien claim filed by our General Contractor, another institution can not process a new mortgage, which would convert the construction loan to permanent. 

Background : On XXXX/XXXX/XXXX, my husband and I signed a contract to build a custom home with XXXX XXXX XXXX XXXX. 

On XXXX/XXXX/XXXX, we closed on a Construction Loan with SunTrust. 

We raised some significant design issues with the builder in XXXX XXXX. After repeated denials to resolve or discuss the issues, we engaged legal counsel for guidance. The Builder became irritated and began taking confrontational actions from this point. 

The builder informed us in writing that he would not allow us to move into our home until we fired our counsel, despite the fact that the Builder dealt with us through counsel. 
Our scheduled move in date was XXXX/XXXX/XXXX. 
Per our contract, we are required to resolve disputes via XXXX. 

After unexplained and possibly intentional delays caused by the builder, the Certificate of Occupancy for the home was finally received on XXXX/XXXX/XXXX. 

The Builder requested a final inspection by SunTrust for the final draw. 
The SunTrust Inspector found that there was no vanity/sink installed in the powder room and could not mark the home at 100 % complete in order to authorize release of the final payment. 

On XXXX/XXXX/XXXX, a Loan Originator from SunTrust, XXXX XXXX, who had not previously been involved on this matter, called the Builder to advise him that we were intentionally withholding funds, which was a false statement. 
The Builder sent us an email and promptly filed a lien on the property. 
We received a filed Claim of Lien via certified mail on XXXX/XXXX/XXXX. 

Due to the pending lien claim, SunTrust issued a " cease funding notice '' on XXXX/XXXX/XXXX.
Consumer complaint received 2015-05-21
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Paypal Holdings, Inc (OR)

Ebay floods inboxes with offers to " sell for free '' " list for free '' after the consumer falls for the deception and sell an item they are hit with a bill for the seller fees. When contacting ebay they explain that " It does n't matter what the email title says, if you read the small print you 'll discover that they are only waving the {$0.00} listing fee. 

Ebay also floods inboxes with email that state " sell a ____ ( in my case a smart phone ) by a certain date and get a {$25.00} ebay gift card. in the small print you 'll find that the card will be issued at ebays leisure usually within XXXX weeks, and the card must be used by the date on the card. what they do n't disclose is the date on the card will be XXXX days from when the email is sent. 

I fell for both of these deceptions, while selling my iphone. I would never have used ebay if it was not for the email that said " sell for free '' and the " sell a smartphone by ___ and get a {$25.00} gift card '' was a bonus. 

After the sale I went fishing for a week upon returning home I found I was hit with full seller fees and the gift card was expired by the time I even knew I had it. 

In disputing this with ebay they were unwilling to see the error of deceptive marketing. how ever they did offer to settle for 50 % which was {$17.00} and change, I told them to use the gift card that I never got to use, and was told I cant use promotional gift cards to pay this debt.
Consumer complaint received 2016-01-19
Product: Debt collection — Credit card
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Paypal Holdings, Inc (CA)

XXXX collections has apparently continued to call me over and over again, the problem is they have been calling my parents house to reach me. My parents are really annoyed since they call everyday and multiple times throughout the day. I am positive they have my cell phone number but have not called me once. They keep calling my parents house looking for me, and it is truly harassing my parents. They have also failed to communicate with me by mail to see where I owe and how much I owe so I can pay it.