davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-09
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: PNC Bank N.A. (NJ)

How are you doing, and hope all i well. I had posted a comment before about PNC bank, and how they have not helped me with my disputes. They actually recently reversed a {$210.00} dispute, and now I am - {$930.00}. This is ridiculous for real, these banks do whatever they want to you and your account. They charged me {$7.00} up to {$92.00} for not having positive funds. Because of their judgements I have defaulted on student loans, late on rent, and just been hard with no funds. I reported that my debit card was compromised by my nephew, and he took all those funds out my account. I reported it to PNC, and cancelled my debit card for a new one. They later said after like 2 weeks that they could n't do anything for me, because my nephew knew my pin somehow. I understand that, but I never gave him my pin and he must of seen me withdrawing money and saw my pin digits. And I never thought in a XXXX years family would do this to me too, and I filled out a police report on the matter and nothing. This is very upsetting, because I live day to day and do n't make a lot of money. Its sad to see a huge bank not help you at all, or just make their own decisions on your matters. I do n't do claims or disputes for fun or a living. I actually think its embarrassing, and upsetting you have to call your bank for this, and when you do they do n't do anything for you, but if you owed them money you ca n't let them wait or make your own judgement on the matter. They sent me latters in the mail saying the transactions were just, and the atm film too. How does that even make sense? They are not just, because I reported them to the bank as fraud. It 's only like {$1000.00} not a {>= $1,000,000}, and that money was for my everyday survival. It 's sad to see a bank like this not help its customers the way they should, and I think these banks get away with anything they want too and that 's not fair to us the people that keep these banks running with our money.
Consumer complaint received 2015-10-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (AZ)

Please refer to the previous case with " Case number : XXXX ''. I finally decided to close the PNC virtual wallet bank account for all the troubles that i have gone thru. But they keep on giving me hard times. 
1 ) First they tried to charge me {$25.00} as early termination fees - telling me that as i am closing the account in less than 180 days - they will do so ... even when it was well beyond 180 days of having this account. Later when i told them ... they did n't charged me anything like that. 
2 ) Since XXXX XXXX 2015 - i am communicating to them to close the bank account. But they are arguing and wasting time and not doing what is needed. I told them that i have already moved my funds out and I want to close the account. Did repetitive follow ups but no +ve steps from their side to close the account. Further they once again charged me lower balance fees ( around {$15.00} ) even when i told them long time back that this account needs to be closed.
Consumer complaint received 2016-10-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

I have gone through a divorce and my income has been severely reduced. I reached out to PNC Bank to inquire about getting some type of relief via a forbearance and was not offered any assistance. I have not been able to make my payment for six months and PNC refuses to negotiate with me and worse yet is charging me late fees every month. I have listed my home for sale and informed them of this as well. I am hoping you can help me to get some type of relief with PNC. I would like all fees waived and credited and for them to see if any type of relief is available.
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IL)

Mortgage representative, XXXX XXXX, with Quicken Loans specifically told me that my refinance loan would be locked in at 3.5 % with no points or closing costs. When I got the paperwork it showed 3.75 %. I have the emails and message board showing his promises.
Consumer complaint received 2017-04-28
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PA)

First, I will start with  XXXX   XXXX . I applied for and was approved through this company for student loans,  whichI thought w as great since I was on my own - but did not realize how negatively the rates I was approved for would hurt me in the future. When I would call to lower payments, I was absolutely convinced that forbearance was the way to go, I was n't making nearly enough money to afford these loan payments. Again, I was trying to do this all on my own as a young adult and did not feel as though all options were presented in an order that would be most beneficial to my future. Gradually, my payments keep increasing, and all this time I thought I was just stuck with this . Navient then too k over my private student loans from  XXXX   XXXX . I recently logged in to the website and noticed that the interest rate I am being charged is higher than was  XXXX   XXXX  was charging, and still my monthly payments keep increasing. If they were just taking over my previous loans, how can the interest rate be higher??
Consumer complaint received 2016-01-28
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (FL)

STRAP : XXXX BB & T violated many Federal Regulations Including TILA, Regulation Z, Dual Tracking ( as they were informed I was working on a Loss Mitigation Package with Neighborhood Home Solutions well within foreclosure deadlines, failed to send me their Loss Mitigation package within a timely fashion, exploited my lack of knowledge of the law and claimed they would " work out a solution during my first trial when my complaints should have been raised, and gave me a predatory loan as I was below the poverty line with XXXX dependents. The Civil Court could not adjudicate these claims and BB & T continued with their foreclosure auction well before any and all court motions / appearances were allowed to transpire. They also had many mistakes in documentation and transferred the property to XXXX XXXX XXXX after my last court appearance when opposing counsel told me personally, among a credible witness, that he would email me later that day with a resolution. The Plaintiff also provided the court with misleading ( bordering on fraudulent ) comments which could not be adjudicated at that time and my supporting documentation was unable to be reviewed within the 5 minute time frame the court allotted us. 
XXXX XXXX XXXX XXXX XXXX FL XXXX I have all documentation supporting my claims and am prepared to take this to a Federal Level.
Consumer complaint received 2015-04-26
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Rocket Mortgage, LLC (MI)

On XXXX XXXX I received A call from the company Lending Tree they transferd my to the bank here in XXXX Michigan Quicken Loans. I spoke to a XXXX XXXX who phone number is XXXX which the area code does not match the area code here in XXXX. ( XXXX ) I am a Veteren of the United States XXXX in which i asked XXXX XXXX about their Veteran home loan products. At no time i asked him to give me a quote, all i wanted was details about the products they offer. XXXX ask for my social security number so he can view my credit history i explained i am waiting for the XXXX reporting agencies to update my report. XXXX also explained that if my score was too low his team members at Quicken Loans can assist me by speeding up the credit issue process and if i give him my social security number to view his team members would call me immediately if my score was to low. The team members never called creating an hard inquiry on my credit report. I feel this is a bias company preying on the poor I am a Veteran of the United States XXXX and i need help.
Consumer complaint received 2015-07-07
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (TX)

BB & T claims that I am months behind on a loan, however, they have not provided me with loan documents, proof that this account is even mine. Only generic statements which have been e-mail directly from a processor ... 

When I attempted to add this loan account to my BB & T online profile the system claims that the account does not exist and although they claim to be mailing " demand letters '' and statements to me directly, I have not received a single piece of paper mail from BB & T AT ALL since the purchase of my accounts from XXXX ... 

I have closed all other accounts and was told by the loan officer that my ENTIRE balance due was deducted from my withdrawals and that should have been an end to it ; however, they still claim to have an additional line of credit that I do not have any knowledge of, is claimed to have been opened at a branch during a time I lived in another part of the state and they can not produce a single shred of evidence that it is mine. 

If I have a line of credit, I would like to have access to it, I 'd like to have it linked to an account or profile where I can manage it and monitor it and take advantage of the product as opposed to simply send money in the mail to voices on the other end of the phone who are demanding I do so ...
Consumer complaint received 2016-06-15
Product: Credit card — 
Issue: Billing disputes — 
Company: BB&T CORPORATION (NC)

Several years ago I applied for and received a credit card from BB & T for emergencies and personal purchases. In XXXX after reviewing a statement I noticed that a charge called " special purchases '' was being billed for approximately {$400.00} monthly. I am unsure how long this charge has been part of my billing cycles but after several attempts to gain answers from BB & T I have received no answer concerning what this charge consist of. I have spoken several times with branch representatives but each continue to say that there is no longer any record to give an indication of what the charge is. They expressed that they do not keep records past seven years. I requested statements for the last seven years and still have not received them. While paying the balance no payment was allocated to the " special purchase '' and it continued to accrue interest like the main balance was doing. In XXXX the charge was dropped but BB & T continued to request payment for the the previous years. I have continued to attempt to get answers concerning the issue from BB & T but they continue to have no answers for me. I believe that by the charge being left on the bill I have continued to overpay for my real purchases.
Consumer complaint received 2016-10-12
Product: Mortgage — VA mortgage
Issue: Credit decision / Underwriting — 
Company: AMERIPRO FUNDING, INC. (FL)

In late XXXX of XXXX, my wife and I decided to purchase our first home together. After careful consideration, we decided to build our dream home and use my VA loan for the first time ( 11 year and XXXX XXXX veteran ). We decided to use AmeriPro as our mortgage lender after being referred from a friend and seeing a positive record of being Veteran friendly. In XXXX XXXX, AmeriPro gave us a conditional approval and the builder decided to build our dream home. During the next few months, I personally worked hard to make sure we hit every single condition. Over those months, we were occasionally assured by AmeriPro that everything was on track to close on XXXX XXXX, XXXX. On XXXX XXXX, XXXX, AmeriPro contacted us and stated my wife had to be on the job for six months before we could close ... Although this was very frustrating in the last minute notification, we understood the oversight and decided to wait out the remaining month until she hit her six month mark at her current employer ( XXXX XXXX, XXXX was the six month mark ). We contacted our rental agency and placed our 30 day notice, being assured there was no reason why we should n't be able to close in XXXX. We were told now that XXXX XXXX would be our closing and nothing should prevent us from closing on that date. Ten days before closing ( XXXX XXXX ) we were confirmed to still close on XXXX XXXX, XXXX. A week before closing, the bottom fell out from underneath us, AmeriPro called and said there was no way to close on the XXXX of XXXX, XXXX because the VA required my wife to be on the job for a year. We pleaded that this was NEVER part of the conditions list and that we were now at risk of losing everything ... our {$10000.00} deposit, our current home ( rental ), the rental deposit, additional moving expenses and .... our dream home. AmeriPro apologized, but said there was nothing they could do and it was an oversight on their part. The piece that made this so frustrating is AmeriPro did n't care that a US Veteran was going to be homeless with his family and took ZERO accountability for their mistake or lack of professionalism and communication. On XXXX XXXX, my family and I were forced to move in with relatives, rush to get our furniture placed into storage and take on additional expenses. The lack of accountability and communication from AmeriPro is totally unacceptable. At a minimum, AmeriPro should have offered to come up with another solution, pay for the additional moving expenses and temporary housing ( at least 2-3 months ). I would hate to see anyone go through something like this as I 'm sure the mortgage industry is not set up to see people frustrated and homeless.
Consumer complaint received 2016-04-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (PA)

In XXXX a false tax return was filed as a joint return in my name and someone elses i followed all procedures for reporting identity theft with all federal and local authorities. There is numerous false delinquent debts listed on all three of my credit reports i did previously contact XXXX of the credit agencies nothing was fixed. In XXXX i received another attempt of id theft allegedly the IRS stopped it the thief was found and convicted yet nothing has been fixed on my credit reports preventing me from loans a house and several jobs. All documents supporting my case are available as public information from the federal case against the convicted individual who stole my identity
Consumer complaint received 2015-09-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Experian Credit Bureau has a collection account listed on my credit report that was sold or transferred from the original creditor, XXXX XXXX XXXX, to the collection agency, XXXX. There is no date listed on the account of when the original contract with XXXX began. That date is XXXX XXXX, 2008. I have writtenExperian on numerous occasions to have them put this date on the account, and theyhave not done so. Please have them list this date as soon as you receive my complaint.
Consumer complaint received 2015-09-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (GA)

U.S Postal Certified Mail No : XXXX, FL XXXXCc : ExperianXXXX XXXX. TX XXXX. GA XXXX. P A XXXXXXXX, 2015RE : XXXXREQUEST FOR PROOF OF CLAIMAccount # XXXX*You are hereby ordered to CEASE AND DESIST to include, all phone calls and creditbureaus reporting actions! 
You are hereby in RECEIPT OF NOTICE of violations committed under these State and Federalstatues, Fair Debt Collections Practices Act, Florida Debt Collections Practices Act, FairCredit Reporting Act, RCW 62A.3, RCW 19.16 and 19.86 UCC 3-501 ( b ) 2, USC 15-6802, Title 18 USC 241 and Dodd-Frank Act, regarding your above referenced file number andpresented with a CONDITIONAL ACCEPTANCE OFFER. 
In an effort to settle this matter in the most efficient possible manner, I herebyCONDITIONALLY ACCEPT YOUR OFFER UPON YOUR PROOF OF CLAIM your demandfor payment in the above named matter upon your complete and total fulfillment of the followingconditions:
Consumer complaint received 2015-08-03
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: Experian Information Solutions Inc. (CA)

XXXX sold my account to XXXX XXXX in XXXX at that time the balance was {$15000.00}. We were negiotaing a the loan be re written as a home equity loan. Coincidence or not that decided to not return our phone call when the market crashed in XXXX. We short sold our home XXXX XXXX. XXXX HAS BEEN HARASSING US FOR 6 YEARS NOW. The most recent amount they claim we owe is {$54000.00}!? They continue to report this every year. Is this legal? It will be 7 years XXXX XXXX. They claim they will keep reporting this until the debt is paid in full. Please assist me on how we can assure this happens. We already lost our home and now have to rent until this gets removed. We are not even being considered due to their reporting.
Consumer complaint received 2016-09-12
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: FORD MOTOR CREDIT CO. (CA)

account number XXXX was reported as opened on my credit report as of XXXX this i before i even applied for credit or gave my credit information to the dealer i disputed the error thru the credit bureaus and ford came back with a reporting improvement in previously reported derogatory credit.the auto loan never was opened until XXXX and it was opened with out a siganture for the buyer on the retail installment contaract without a date but no one had any athorization to run or report anything on my credit until XXXX the reporting even list a payment made in the month of XXXX and has a dollar amount different from what the contract list when i asked ford for a letter showing i never made payment on such account they somehow sent me a letter listing a payment was made in XXXX this is false and account is fraudulent i want it removed or honestly correct
Consumer complaint received 2016-10-06
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (VA)

on XXXX XXXX, 2013 consumer open BB & T Bank checking, thebb & t bank issue debit card AND have been injured and harm by BB & T Branch banking & trust illegal insufficent fees when in facts have the funds to recovered each and every check, deceive consumer alleged discovered her XXXX account have been paid to XXXX, TN for HOME MORTGAGE With XXXX, without consent or authorized as result consumer have been harm injured and her check No # XXXX for XXXX, {$350.00} Unpaid, including significant XXXX unathorized were XXXX, and Paid US postal in debit card, were mislead that did not go through, iduced to make check for U.S. Postal serice, finding XXXX transaction with draw, See Case # XXXX misleading statment consumer purchased XXXX whole sale membership paid by cash, and have been probibited from honoer her membership to purchased food, BB & bank and significant charges insufficient fees in violation of federal banking, Consumer finding the BB & T bank were XXXX account, without disclouser or consent, unabel to worked this account without undoe burdien significant harm caused consumer to defamed & injury suffered significant
Consumer complaint received 2017-03-11
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: ZIONS BANCORPORATION (NV)

Over a year ago I closed acct for XXXX with Nevada State Bank. For over a year I have received account summary statements from the Bankcard center, XXXX, XXXX UT XXXX showing I have a {$67.00} credit. I have called the card holder service to receive pymt and have gone to the XXXX branch in XXXX, NV. to no avail. In XX/XX/2017 I spoke to a branch mgr who told me, after a hour on the phone, they were looking into it. Three weeks ago I went and spoke to a teller that made several calls and was on the phone for about 1/2 hour while I stood and waited. He told me they would contact me. It never happened. Last week my husband went in, as a VP of XXXX, and after speaking to XXXX, a branch mgr, he was told the check was " in the mail '' and should arrive this past Tuesday. It did n't. On Wednesday my husband went back to XXXX who made more phone calls, and was told if there were any " upgrades '' they would tell the branch manager, who would then contact us. We have n't heard a word since. 
I realize this is only {$67.00}, but if it was reversed we would be in collections. They have kept our {$67.00} for over a year and we want a solution. What are upgrades? Where is the check that was promised?
Consumer complaint received 2017-01-02
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Twin City Motors Inc (TN)

I purchased a vehicle from XXXX using their in-house financing, XXXX XXXX XXXX in XXXX, TN. I paid {$1000.00} cash down, and then they asked for additional XXXX deferred down payment, making a total payment of {$2000.00} down. I was told the warranty was included with the vehicle, but from the contract, I was in fact charged for this. Moving beyond this issue, there were several issues with the car, including the engine needing replaced after only XXXX miles. At this point, we came to an agreement to return the car to the dealership, return {$750.00} of what I had paid so far ( they kept {$750.00}, which they called a restocking fee, even though XXXX stated the restock fee was {$250.00} ). I went to the dealership where my original salesperson, XXXX, gave me a check for the {$750.00}. I brought my copy of the contract so they could stamp it VOID and I would have proof of the contract being cancelled. I was referred to XXXX, in the Mountain Acceptance arm of the business, where at that point I was advised by her that the cashed check was proof enough and refused to void the copy of the contract I had. At this point, I cashed the check against their own bank XXXX, so obviously a cashed check would not provide any proof for me since they have access to that, not me. Now today, XXXX/XXXX/17 I am attempting to get a new auto loan. I was advised by the new creditor that I need something in written, a voided contract or a notice of cancellation on letterheard, showing the loan was closed/cancelled, in positive standing. I called Mountain Acceptance, where I spoke to XXXX and she advised they do not do that, I need to speak to the sales dept. I was transferred to the manager of the lot, XXXX, who advised he does not have to provide anything in writing to me. He then backtracked, and said I need to send him a written request for proof the loan is closed/cancelled, and he then has 30 days to complete the request. I called back to Mountain Acceptance to try there again, but each time I was transferred to the " Manager '' who consistently hung up the call every time I was transferred. At this point, I am not sure where to turn. I do not have the car, they kept half of the money I paid for a voided contract, and now I can not even get a letter or notice to show the car was returned, the contact closed, and no negative reporting. Please help!!!