davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (WA)

This may or may not be the right place for this complaint, but let 's give it a go. 
I placed my home up for sale. A buyer financing through Quicken Loans was interested, we agreed at a price and the process was on. Inspection went fine, XXXX appraisals were required due to selling price. The first appraisal came in at selling price. The second appraisal was " cancelled '' after it was made ( we believe that it matched the previous assessment ) and a XXXX appraisal was requested by Quicken Loans, less than 2 weeks to closing date. The XXXX appraisal came less then the selling price, and that 's just what Quicken Loans wanted. To me, it seems like Quicken Loans is forcing the seller 's price down as to minimize their " risk ''. The buyer is a physician, with real estate assets out of state, and a solid financial background. 
Both seller and buyer were packed, had made financial commitments, and then this. 
The net was a loss of {$50000.00} to the seller from the agreed price, and additional funds added to the down payment by the seller. Quicken Loans tactics are unethical, in my humble opinion. As a result of this transaction, I personally warned every person I know, whether a seller or a real estate sales person, to decline any offer that will be financed by Quicken Loans. Needless to say, the real estate agents involved, are doing the same. Maybe the the Feds can look into Quicken Loans 's practices.
Consumer complaint received 2016-12-22
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (FL)

BB & T 's response to a previous complaint raised other issues that we have heard for the first time - that they are not an authorized servicer. Throughout the course of this loan there has been lack of notice on many things including who is the authorized servicer. The last of notice being currently that we have not received notice that BB & T is not the authorized servicer along with the pertinent details that should be in such a notice. We have not been informed of who is the new servicer is and the pertinent details that should be included in such a notice as well. We discovered the fact that BB & T claims that they are no longer the authorized servicer as one sentence that was casually mentioned in the middle of a response letter received from BB & T to a complaint we filed with the CFPB regarding lack of notice on mortgage loan ownership dated XX/XX/2016. See attached letters, one dated XX/XX/2016 where BB & T claims that they are the authorized servicer and then on XX/XX/2016 where they casually mention the alleged change. We have received no other correspondence from them regarding this alleged change in who is the servicer of our loan and all the pertinent details that should accompany such notices. 
BB & T also knows that we are submitting a mortgage modification package and knowingly put us in a position where we have nowhere to send it as we have not received notice of transfer or notice from the new servicer. We feel that this is another deliberate attempt to thwart our efforts to execute options for us to retain our home that we have lived in for the last 18 years. 
We would like BB & T to answer each of the following questions directly, completely and not be evasive : - 1. Was or is BB & T ever allegedly an authorized servicer for XXXX who they allegedly claim owns the note, if so during what dates was BB & T allegedly the authorized servicer? 

2. If now you are revealing that BB & T is allegedly not an authorized servicer for XXXX then who allegedly is the new servicer and since what dates. 

3. When will we receive a notice of transfer of servicing from BB & T? 

4. When will we receive a notice of new servicer from the new alleged authorized servicer?
Consumer complaint received 2015-12-03
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (KS)

I paid an auto loan off through PNC Bank on XXXX XXXX, 2015 and put a stop payment on the auto pay through XXXX on XXXX XXXX, 2015 but something went wrong and XXXX paid a XXXX payment to the acct that PNC says was closed on XXXX XXXX. PNC says they never received it, that it was automatically rejected and XXXX says they have no record of this rejection and do n't have the money. PNC says they have no escalation process because it was never received and XXXX says they ca n't escalate until they have something from PNC. I know every time money electronically transfers it goes through the Fed Reserve and has a Fed number to track but all parties refuse to look into it. {$720.00} is n't a huge amount of money for some people but it 's XXXX and I do n't have any money!
Consumer complaint received 2015-04-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (WA)

PNC Mortgage Servicer, hired XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ), including but not limited to XXXX attorneys, any to act, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, and XXXX XXXX and notary XXXX XXXX XXXX, to stole my home in XX/XX/XXXX I had filed complaints with many agencies, including CFPB, FTC, Texas Attorney General, the trustee for my property, XXXX XXXX XXXX, the law firm, XXXX, XXXX, XXXX, AND XXXX, XXXX. ( XXXX ) that PNC hired to steal my home. My image was slandered in the public with a notice of acceleration posted XX/XX/XXXX by attorneys for XXXX, stating they were substitute trustee ; yet it was 7 days later, XX/XX/XXXX, that XXXX XXXX by self appointment, recorded an APPOINTMENT OF SUBSTITUTE TRUSTEE document into the public record. XXXX XXXX is the Trustee on the Deed of Trust. There is no beneficiary. 

XXXX can not perform an act they have no authority to perform. This was the beginning of my nightmare into theft of property by court process and with people pretending to hold a public office but have no oath of office to the public. 

I and my youth were dispossessed, we fled in fear, XX/XX/XXXX, because Judge XXXX XXXX, no public servant of mine, in XXXX County, completed a Writ of Possession and in that writ were instructions for a man with a XXXX to have XXXX XXXX permission to " XXXX and my possessions '' to remove us from the property. 
Where XXXX XXXX had the authority to give a man permission to harm XXXX and my property, I do not know and never consented to her purported authority to steal from me using the business of her court room. 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -I dispute the PNC Mortgage entry on my credit report of a debt for {$130000.00}. 
When the home was stolen, the claim in the notice of acceleration was {$120000.00} -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- PNC Mortgage responds the account closed paid in full, never late, date of status is XX/XX/2007 
-- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- -- I have the note marked Paid in Full, that I received from National City XXXX ; I was forced to leave it to leave my property due to the deceptive practices of PNC employees and the employees of law firm, XXXX, including the fraud foreclosure action, all unconscionable actions of PNC employees and the employees of law firm XXXX 
The law firm employees are recorded with the public in the XXXX County court, the law firm employees, have the names of the PNC employees that initiated the theft of property by constructive fraud.
Consumer complaint received 2017-01-13
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (DC)

I have a line of credit with PHC Bank and on XXXX XXXX, i went on line and submitted a {$300.00} payment from my checking account to my XXXX line of credit. I made a mistake and submitted to an account ending in XXXX. I called the bank on XXXX XXXX and was told that yes they received the payment and it was posted to loan account XXXX and it would take XXXX working days to make the correction and redirect the payment to my visa line of credit. I have called several times and was told they could not find an account ending in XXXX. I called again today and after speaking to the credit department loan department and someone in customer service I was told that it would take 10 days for them to research, find the payment and credit to my lline of credit. I told them this would probably cause them to charge me additional late fee and interest on the payment. They indicated that since it was my fault by posting to the wrong account that if extra fees were charged that was my problem. I then stated that I sent the payment XXXX XXXX and the payment was not due until XXXX XXXX that even though it was posted to the wrong account why would it take so long to correct to the proper account which is the line of credit. I asked was it because they can not locate the XXXX account where they said it was posted. I feel that I am getting the run-around and they can not locate the {$300.00} payment now even though I was told that it was posted to XXXX and now they say they can not find an account ending in XXXX Need your help in resolving this issue. Thanks XXXX XXXX My desired resolution is for PNC to locate {$300.00} payment, post to my account and not charge additional interest or late fee as I did get the payment to them on time and they should be more careful in looking at account numbers they should have realized that loan number XXXX had been closed for years so why post a payment to this account.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (OR)

I received an Escrow Account History correspondence dated XXXX/XXXX/XXXX with an itemized accounting for my XXXX escrow payments with US Bank Mortgage account # XXXX. The escrow correspondence has incorrect accounting on it and when I called US Bank Mortgage, today XXXX/XXXX/XXXX at about XXXX PST to XXXX, the phone rep ( XXXX? ) told me the itemized accounting on this escrow correspondence is not correct. On the escrow correspondence it says XXXX/XXXX/XXXX had {$0.00} actual payments to escrow. However, I made the full payment in XXXX XXXX which included money that was supposed to be deposited to escrow. The phone rep had no explanation for why this letter is wrong. He instead told me he would send me a detailed payment history for XXXX which " shows '' I did in fact pay XXXX, and he also said that the detailed payment history will say that the bank did put the money into escrow. I told the rep that I need an updated/corrected annual Escrow Account History correspondence with the accurate records for all of XXXX, which matches the detailed payment history he described -to show, in fact, US Bank did apply the escrow money correctly. The rep said he can not resend me the yearly Escrow Account History with the correction, nor could the rep send me something in writing acknowledging their error and clearly reflecting the correct accounting record. WHAT I NEED : Essentially, I want proof that US Bank applied the correct " actual '' escrow for all of my monthly payments in XXXX ; basically a corrected version of the Escrow Account History correspondence for XXXX. DOCUMENTS : I am attaching a picture of the itemized lines from the Escrow Account History correspondence which shows the " Actual '' " Payments to Escrow '' was {$0.00} for XXXX/XXXX/XXXX. Also, attaching the monthly statements for my mortgage for XXXX and XXXX XXXX, to show that I made the payments and that their payment records reflect indeed an " actual '' payment to escrow should have taken place.
Consumer complaint received 2016-05-19
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: BlueChip Financial (GA)

Spotloan refused to change the date that they debited my account even after I advised that they were creating overdrafts on my bank account. A XXXX XXXX left a message on my cell phone at XXXX advising that he intended to serve me with paperwork at my place of employment and/or at my residence by the end of business on Friday. XXXX XXXX also contacted the central office for my employer and left the exact same message. Once I had a break, I called the number that the call to my cell phone came from ( XXXX ) XXXX and was advised that they were a locating service and that I needed to call XXXX, the number that was given to my employer to get back in touch with XXXX XXXX. When I contacted the XXXX, I asked to speak to XXXX XXXX and was put on hold for several minutes and the same man that answered the phone told me that I had returned checks to Spotloan and began to become belligerent with me. When I tried to speak, he hung up the phone on me. I called back and he told me not to call him any more. I called back again and advised him that there was a witness to the phone conversation. He wanted the name of the witness but refused to give me his name or the name of his company. He then threatened to call my principal and tell them that my witness and I were calling him during the time that we were supposed to be XXXX, which was not what I was doing. After I got home, I called back and spoke to yet another man who failed to identify himself or the company who tried to get me to give him a debit or credit card that he was willing to postdate for the remaining payment. I told him that I would need to speak to my husband first. The person that I spoke to advised that I had 24 hours to get back to him and that he would call me back at XXXX to discuss my plans. After speaking to him, I called Spotloan and learned that they sold my account to XXXX XXXX on XXXX XXXX, 2016 and that they no longer had anything to do with the account. After called the XXXX number again after XXXX, I got a recording that identified the company as either XXXX or XXXX. I am not comfortable with giving out my debit or credit card information to this company without paperwork regarding this situation or for a postdated transaction.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Vehicle lease
Issue: Problems when you are unable to pay — 
Company: DriveTime (NC)

I leased a car from drive time in XXXX of 2014, and I never missed a payment. I have it automatically taken out of my checking acct. We 'll on XXXX XXXX they only taken XXXX dollars out when they should have taken XXXX ... They stated that since my acct was old that they system kicks the acct number out ... I then called them backed and gave them my cc number and my debit card number when I spoke to an rep he stated that it did n't go through, but that 's a lie because money was on XXXX. They repo my car and now I 'm paying over XXXX dollars extra which to me not right they should make for the towing as it was there mistake.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Other — 
Company: JPMORGAN CHASE & CO. (NC)

I contacted Chase back in XXXX 2016 to have my payment due date changed to XXXX XXXX each month to have the same due date as my other account. The failed to do so and my account. Again, my payment due date should be XX/XX/XXXX instead of XX/XX/XXXX. 
Chase is reporting my loan 30 days delinquent for XXXX 2016 and XXXX 2016. In called in twice to remit telephone payment on XXXX XXXX, 2016 because they lost my mailed payment and assessed me a fees. However their systems did not report in the systems Finally, I logged on XXXX XXXX, 2016, and made the past due payment of {$180.00} to avoid negative credit reporting. My payment due date is on the XXXX of each month ; as such, XXXX 2016 should not be reported late. I called the representative today and she said that the minimum payment was not satisfied because a new billing statement was issued ; however, the phone and internet information was inaccurate and I paid what was reflected online. In XXXX 2016, I mailed in my payment and again it was lost my chase. Researched my bank records and show that the payment was not received. I was out of the country and called the payment in on XXXX/XXXX/2016. Chase took two days to reflect that the payment and my online inaccurately reflect that payment was made on XXXX/XXXX/16. This is due to bank error because I made the payment on XXXX/XXXX/2016. As such, my credit is being adversely impacted due to bank error committed in XXXX 2016 and XXXX 2016. This is ridiculous and predatory practices in violation of FCRA. The supervisor I spoke with today was very rude and unwilling to hear me out. Specifically, he did not understand or hear that I made my payment before the 30 day cut off date. As such, I am filing a formal complaint against that person as the call. I am unable to refinance my house due to negative credit reporting. This is ridiculous!!
Consumer complaint received 2015-03-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: JPMORGAN CHASE & CO. (FL)

i was told by my bank that my foreclosure process was put on hold a number of times in XXXX 2015. I recently get a letter in the mail from the banks attorney and i call the number on the letter and they say my foreclosure process is moving forward and requesting a court date. i tell them what the bank told me and they say they have not spoke to the bank in reference tomy foreclosure this year at all. i call the the bank and they spoke to my customer assistant specialist and he sad " yes, i did tell you that your foreclosure has been recently put on hold :. I told him what the attorney said and he said well we do not put them on hold int the state of florida. then is said but you did tell me my foreclosure was put on hold more than once? he said yes id did and i will go over my informaition and get back with you. I have not heard from him in reference to my foreclosure hold.
Consumer complaint received 2016-02-22
Product: Bank account or service — Savings account
Issue: Using a debit or ATM card — 
Company: JPMORGAN CHASE & CO. (FL)

I have been a victim of a fraud and identity theft. The transactions were unauthorized and JP Morgan refuses to refund my own money. 

My Chase Atm card was used it in my name for the amount {$9300.00} without my authorization or consent. When I realized I called Chase immediately and open a claim with the Fraud Department. In the letter they sent me they said I authorized the transactions. I never authorized the transactions, gave the pin or join the account with the suspect or individual that did this federal crime. I went to the XXXX police department and filed a police report and when the report was ready I sent a certified mail to Chase with a return receipt and on all my communication with them, they refused to refund my stolen funds. 

I explained I was a victim of fraud and I asked the bank to open the claim, investigate and prosecute the individual who stole my funds. I want to solve this with the bank before I take further action. I 'm already in communication with any organization that can help me, again I have been victimized by this theft. The funds were taking from my account generating high fees when I thought my money was secure with Chase that did n't act in my best interest protecting my money or sending any message about suspicious activity in my account and they did n't flag my account for suspicious activity once the cash withdrawal commenced. I informed the bank immediately within the XXXX business notification window. 

I have two police reports. The police already know the name of the suspect. This is a federal crime in which I have been a victim of Identity Theft and Fraud and should be prosecuted by the law and my money should be refunded immediately before I go to media. 

I informed the FBI, the State Attorney and all the organizations that can help me to get my money back. I want justice and the person who did it to be in jail. 

Chase is giving all the excuses not to refund my stolen and unauthorized transactions and the fees. This money was transferred by Chase without my authorization to my checking account and put it to the disposition of the scammer. Chase did n't flag my account even when these transactions were unusual. 

This is a federal crime that should be prosecuted it and I do n't have to pay for this criminal action against me.
Consumer complaint received 2017-01-28
Product: Consumer Loan — Installment loan
Issue: Shopping for a loan or lease — 
Company: Rocket Mortgage, LLC (MS)

XX/XX/2015 I had applied for a loan with several lenders, one being Quicken Loans for money to build a house using land that I currently own and live on. In the course of the conversation I was treated fairly and basically told I had the loan but towards the end of the conversation I mentioned we own some XXXX not really thinking it had any reference. I was then told that the loan is denied as they ( quicken ) do not make loans to XXXX? I explained that we do not make a living from XXXX, we just have more or less a hobby..some XXXX and XXXX. 
Is this a legitimate reason for determination : I later received a written letter stating reason was unacceptable property type. My credit is excellent by the way.
Consumer complaint received 2016-06-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (NC)

I unfortunately had to enter into bankruptcy and was advised by my attorney to close my checking accounts and open new ones. I had a checking account that was supposed to allow no OD/NSFs on the account and left approx.. {$2.00} in the account. I opened new accounts at a new XXXX. I had XXXX car insurance payments on auto draft that still attempted to draft on the old checking account, but were not paid and I paid online directly. The old XXXX charged me OD fees on a checking account that was not supposed to assess fees per my agreement. I tried to close the checking out prior with a positive balance, but was told I could not because I had a balance in the account. I tried to close the account out but again was then refused because I had a negative balance due to NSFs. I refused to pay the NSFs, due to having an account that was not supposed to assess NSFs. The bank refused to remove the NSFs and has now reported me to a collection agency.
Consumer complaint received 2016-01-12
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: NE PROCESSING LLC (OH)

Called and left a VM asking if this was a good number to contact XXXX XXXX ( my wife ), said she had a case file in XXXX County, left number as well as a " case reference '' number. Refused to give me their address after 6 repeated attempts.
Consumer complaint received 2016-09-02
Product: Consumer Loan — Title loan
Issue: Lender repossessed or sold the vehicle — 
Company: TMX Finance LLC ()

Title Max of Texas, Inc. d/b/a Title Max, XXXX XXXX, Texas I have paid over XXXX dollars for XXXX loan to there company because XXXX a month was a lot for me just for interest. They have towed my car twice and vandalized and stolen the contents. The contents were all of my Identification to legally enter the XXXX XXXX XXXX XXXX