davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: AFNI INC. (ND)

An account with the company XXXX was opened in my name in XXXX of 2014 according to the debt collection company AFNI. The origin of this account was based in XXXX, however I lived in XXXX, so this could not have been me. I have contacted XXXX and gotten a letter verifying that they looked into this, and determined it was fraud, and therefor I owe nothing nd the account needs to be closed. AFNI continues to send me letters and ignore the information I have given them several times. hey REFUSE to contact XXXX and close out this false debt against me.
Consumer complaint received 2016-03-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: A.R.M. Solutions, Inc. (CA)

A company ( XXXX ) whom we had over a 10 year relationship, has charged us with a {$1100.00} early termination fee on claiming we had a one year contract, which we do not. They had sent us to collection and threatening to ruin our credit record. They have refused to produce the said contract ( since it does not exist. 
XXXX XXXX XXXX XXXX XXXX, IL XXXX XXXX
Consumer complaint received 2016-10-31
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: BOK FINANCIAL CORP (OK)

1. XXXX received a dividend check in the amount of XXXX from XXXX XXXX XXXX through XXXX and their affiliate bank XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, PA ) dated XXXX/XXXX/2016. 
2. This was deposited to The Bank of OKlahoma ( BOK ) on XXXX XXXX 3. This deposit was returned XXXX/XXXX/2016 bcs according to BOK bcs the check had already been cashed. 
4. I called XXXX XXXX and who sent a letter that the check was cashed XXXX/XXXX/2016. ( 1 day after deposited to BOK ; I assume then that BOK was paid ) 5. Talked to BOK branch employee and submitted check again. This check was returned. BOK says the problem is with XXXX XXXX. XXXX XXXX says check is cashed. 
6. So, our XXXX is out the {$200.00} in dividends. Possible tax on the dividends. And unresolvable issue. 
7. I called XXXX XXXX to give me a letter stating who cashed the check. And they said it would be a {$35.00} fee.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NJ)

I am writing as I received a response from XXXX .but they have not up load -ed the letter. at the time of the transferred of my loan XXXX responded that at the time of transfer and I quote.the short year history escrow statement reflected an actual bal XXXX at time of transfer end quote .this is where the problem lies with bsi financial .I received from bsi the final escrow statement showing XXXX XXXX had closed out the loan .prior to that the escrow acct was corrected add XXXX for shortage .I received a letter stating that there was no money from the transfer transfer from XXXX to bsi and was then charged a I believe either XXXX or XXXX to start the escrow accout. I would like to know where the XXXX esc -row amount went at time of transfer.i believe this is where the problem lies
Consumer complaint received 2017-01-12
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: GOLDMAN SACHS BANK USA (IN)

I received a credit denial letter from Goldman Sachs Bank USA on XXXX/XXXX/2017 for which I did not apply. I have no knowledge of who this institution is or what they do. This bogus denial letter does not state the type of loan I supposedly applied for. Again, I never applied for any type of loan from this institution at any point past or present. Additionally, this institution is located in Utah. Near the same location to XXXX XXXX XXXX Bank of whom I complained on last year. Also near the headquarters of XXXX XXXX whom sent XXXX soft pulls of my credit over a 8 month period last year for which I also did not apply for credit to.
Consumer complaint received 2017-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (LA)

Ditech switched over their computer system in XXXX 2016, which caused account numbers to change and Ditech actually delayed cashing of checks used for mortgage payments. It took close to 5 months for Ditech to straighten this out. Ditech had my account ending in XXXX ( I have XXXX accounts ) as being paid more than 30 days late in XXXX 2016, despite the fact that I actually send my payment on time every month. I have proof of this. In XXXX 2016, Ditech was still trying to correct their error when they retroactively backed out my payment that was made 3 weeks earlier and put it in escrow, therefore throwing the account in default and in the collections department. I am now in the process of refinancing several mortgages and am having difficulty with this late payment showing up on my credit report. I actually disputed with the credit bureaus, but Ditech has so far refused to correct the erroneous late payment listed. This will cost me tens of thousands of dollars more due to high interest rates because of this error by Ditech. I filed several complaints with the Consumer Financial Bureau, so this situation is well documented.
Consumer complaint received 2015-04-11
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (OH)

I am buying a home with the closing scheduled for XX/XX/XXXX. When my loan officer recently tried to access my credit report info with XXXX and XXXX, he found that I was classified as DECEASED on XXXX agencies ' records. This apparently happened when PNC Bank reported my husband 's death in mid XX/XX/XXXX to the credit bureaus. ( He and I held a joint home equity account. ) It is imperative that the deceased designation for my name be removed at once so we can continue to prepare for the house closing. Both XXXX and XXXX indicated that PNC made this report but PNC denies having submitted info that I was deceased. I just need to have this issue expedited and resolved ASAP. XXXX agencies indicate that the issue can be resolved but it will take up to 30 days. As of today it is only 22 days until my home purchase closing, so I am panicking.
Consumer complaint received 2016-11-10
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (CA)

PNC bank has assigned account management fees to the Virtual Wallet account products, but does not list these fees in either of the specific products Virtual Wallet account provides so that consumers can track their expenditures, interests, and fees from the bank. Notice of fees are absent from the products that are specifically supposed to provide this information including : 1 ) Calendar 2 ) Account Detail 3 ) Account Activity 4 ) Searches of Transactions. These services are the reason I opened a Virtual Wallet account, because you are able to monitor all transactions, including all deposits, transactions, and interest payments from the bank on that account. They purposefully exclude any fees from the bank on these monitoring services. Any notice fees are limited to the last page of the monthly e-statement and absent from all other products that allow one to monitor their account. After speaking with customer service, it is clear that the bank is able to see the record of fees on their side, but they do not share that information with their customers with virtual wallet accounts. Additionally if you manually search the transaction history for the fee amount they do not show up. 

This practice is concerning PNC has created, marketed, and built several tools for a specific account that is set to help people monitor their account and they expressly do n't include fees from the bank in these tools, even though they purport to include all information. The inclusion of all transactions and interest accrued and the name of the monitoring tools ( Monthly Calendar with all of the transactions listed ; Account Detail with all of the transactions listed ; Account Activity with a list of all activity including interest payments from the bank to the consumer ; and Search Transactions ) make it seem like any fees would be included and recorded in these areas. They are not, all are omitted. A reasonable consumer would not know about these fees using the tools that PNC put in place so consumers can " monitor '' their accounts, as PNC is omitting these institutional fees from these tools.
Consumer complaint received 2015-09-04
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (CO)

I needed to change the bank account I used to timely pay my mortgage for the last XXXX years. In attempting to switch that account, I had to make a change to the bi-weekly payment plan that I had initially signed-up for. In attempting to update the bank account information in the third party system PNC Mortgage uses, this third party vendor made it nearly impossible to update my new bank account information because of all the " security information '' they needed and it left me discouraged. Because of this, I cancelled my bi-weekly payment plan with the third party vendor and decided to sign-up for automatic withdrawals or electronic funds transfer from my new bank account. I was unaware of the tedious process it takes to sign-up for the eft service that resulted in a late payment on my account. Because I do not bank with PNC - they make you download a form to sign-up for eft service that you have to print out and mail-in. It then takes 30 days to process this form. Because my payment was late, they charged me a {$30.00} late fee, and a {$7.00} " speedpay '' fee to make a payment to keep my account current.
Consumer complaint received 2016-12-22
Product: Bank account or service — Other bank product/service
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (IL)

I submitted a request online to transfer a XXXX wire transfer from my XXXX account to my PNC account. It appears as though PNC allowed the transfer to go through even though I did n't have sufficient funds in the account. Now I am out XXXX for my rent. The bank allowed the transaction because they want to charge me significant fees and place me in debt with them.
Consumer complaint received 2016-06-23
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: PNC Bank N.A. (GA)

My wife and I applied for a car loan from our local bank and were denied because the underwriter rejected my wife 's expired XXXX card ( XXXX ) with an attached XXXX Notice of Action from XXXX. We were told she would need an unexpired green card for approval. Her green card expired on XXXX XXXX, 2016 and the XXXX language extended her green card for a period of one year while her removal of condition was pending. XXXX memoranda and the XXXX website XXXX state that an expired XXXX with an accompanying XXXX " indicates that the card is valid for an additional year ''. 
We requested the bank produce their guidelines or regulations that allows them to ignore valid government documents and provided the bank with both a XXXX memorandum and link to the memorandum indicating the XXXX extended her green card for a period of one year. 
The Bank responded to inquiry by merely stating : " Unfortunately, PNC can not contact 3rd party vendors to verify documents. '' They ignored the fact this is the same XXXX party vendor they relied on to verify my wife 's Social Security Card. Further, they flat ignored my request for the specific guideline that directed them to treat the memorandum as not applicable. 
Also, we applied and successfully closed on a house on XXXX XXXX, 2016. The mortgage lender, following housing underwriting guidelines, did accept the expired XXXX with the XXXX as valid documentation. We requested from the bank a reason for the disparity of treatment. Again, they ignored our request.
Consumer complaint received 2017-02-24
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (GA)

I am a Macy 's consumer store card holder and was recently reported to the credit bureau as XXXX days past due. The initial late payment dated back to XXXX however I continued to make payments before 30 day time periods to avoid the late reporting until I could get to financially stable to pay what was owed. I called Macy 's and asked for some sort of resolution and was advised the only option was to close the account, not other hardship arrangement could be made. I then emailed XXXX explain my situation and requested a one time courtesy to have the negative credit reporting removed. I then received a phone call from XXXX, I emailed her after numerous times trying to reach her by telphone but to no avail. Then, I received an email from XXXX stating they would not do anything differently than what has already been done and to contact her if I had any other concerns so I did. I have been trying to pay my recent " Special Event '' financing purchase off as well as catch up the past due balance and I can not get anyone on the phone that speaks reasonably clear XXXX. The individuals I am able to reach simply transfers the call as " protocol '' without offering any assistance for something as simple as making a payment. I have several questions that have gone unanswered and everyone seems to provide a generic email response, or I am speaking with " customer service/collections specialists '' that are telling me conflicting information. I was told yesterday that I needed to just make the payment totalling the past due amount plus the balance of the special event purchase then call back in 24-48 hours and tell them how to apply the funds. She also stated my monthly balance continues to increase because of the one missed payment, but they are not late fees. Late fees are added to the entire amount owed. How then is my balance {$280.00} now instead of the {$180.00} I was paying prior to missing XXXX payment? I emailed XXXX, XXXX, and XXXX in the executive office explaining my issue of communication with reps within their company and no one has contacted me to resolve the issue. Today I spoke with someone by the name ( s ) of XXXX, XXXX, and XXXX. XXXX advised me that if I pay the special event purchase off then that will take care of the past due balance also. My specific question was " How will that take care of a past due balance that is treated separately from this purchase? '' He could not answer me then claimed my phone was breaking up, yet I had no issue speaking and explaining the situation to two reps prior to being transferred to him. How can a company report someone late, and not offer a valid explanation of why the time frame of the late was reported the way it was and also the amount being reported? They have reversed late credit reportings, so why does my situation not qualify for that option?
Consumer complaint received 2016-07-25
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (CA)

Hello, My husband and I opened accounts with Citibank pursuant to a promotional offer to receive XXXX miles. When I first applied, I was assured via a written communication that I qualified for the promotion and needed only to meet certain requirements. After meeting those requirements I was assured that I would receive the miles - again by a written communication. 

Later, however, I received a third communication that informed me that I would not be receiving the promotion they had already promised me twice, but instead that I no longer qualified. I asked Citibank to look into this, and a month later received the same communication that I did not qualify. 

This is all despite the fact that I received written assurances that the promotion applied to my account and that it would be honored. Citibank lured me into opening an account with them only to have them take back their promotional offer without warning and only AFTER promising me miles. Completely unacceptable. There is another word for it as well ... Fraud.
Consumer complaint received 2016-10-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: WINNPOINTE CORPORATION (CA)

I refinanced my home and was told there will be no closing costs, and now I found on the closing documents that they charged me about {$1500.00} dollars. I 'm trying to call this company and they do n't answer my phone calls, I had leave several messages to call me back and they do n't call me.
Consumer complaint received 2016-03-02
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (VA)

I received a bill, in the mail, from PayPal Credit for {$1900.00}. I attempted to contact PayPal, with whom I have an account, directly but they never answered my call. I submitted a copy of the fraudulent bill but have not gotten a response. I called the company, Pay Pall Credit 's number listed on the bill and they wanted personal information to file a fraud complaint. I do n't know what to do. I never opened an account with Paypalcredit.com. What do I do?
Consumer complaint received 2016-11-21
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: KEYCORP (CT)

I am trying to close a line of credit with Key Bank ( formerly First Niagara ). The process has dragged on for more than 30 days. I can not open another line of credit at my new bank because the lien on my Key Bank account is still on file with the State of Connecticut ( where I live ). Agreed upon account termination timelines have gone unmet despite promises from well-meaning staff at my local branch.
Consumer complaint received 2021-03-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: EQUIFAX, INC. (CO)

I received letters and a new debit card, in my name, from XXXX XXXX - stating that I had applied for Unemployment benefits in Colorado. Upon getting these letters - I reported the fraud to the State of CO on their Unemployment website Upon receiving the Debit Card from XXXX - I went to their website to report this fraud and have them close the Account. At the end of the reporting - they listed 3 telephone numbers on their website that I could call to reach Equifax, XXXX, and XXXX - so that I could report fraud / an Account Alert. 

The first number, which I called, was : XXXX. ( I looked up this number on XXXX, and found it again on Equifax 's site - listed as a number to call them about fraud ). 

The problem is this : I called, someone answered, they asked for and captured my Name, Address, SSN, Birthday, Phone, etc ... Then they hung up abruptly and sent me to a survey recording. This is highly suspect to me, and it made me think that the call was somehow transferred to an unauthorized line, where someone grabbed my info. 

I have since placed a freeze on my credit at all three bureaus, but I am very concerned about my identity, and that it may have been stolen, and that I was treated so poorly to suspect that I was speaking with an unauthorized person at one of these companies.
Consumer complaint received 2017-03-07
Product: Mortgage — Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure — 
Company: KEYCORP (TX)

On XX/XX/2017, I called KeyBank and made a XXXX payment. ( payment cleared XX/XX/2017 ) I was told by the KeyBank representative when taking my bank information this payment would bring my account current and I would be due for the XX/XX/2017 payment. ( Recorded phone call will confirm this ) I then made arrangement with KeyBank for the XX/XX/2017 payment. 
On XX/XX/2017 I receive a certified " Notice of Default and Intention to Accelerate '' dated XX/XX/2017 from KeyBank 's attorney XXXX. The reinstatment amount in the letter was XXXX as of XX/XX/2017. ( Recall that Keybank accepted my XXXX payment on XX/XX/2017 and told me I was current. ) I also noticed my login with KeyBank has been " locked '' due for Security reasons. 
On XX/XX/2017 I called KeyBank and spoke with XXXX in the Real Estate / Collections department. I explained to him that I was current and confused on why I received a certified threatening letter from XXXX XXXX. I also told XXXX I was calling to make the XX/XX/2017 as pre-arranged. He told me the XX/XX/2017 payment ( XXXX ) has not been applied to my account ( just sitting there ). XXXX then stated, the KeyBank Representative that I spoke with on XX/XX/XXXX who also took my XXXX payment to bring my account current told me everything wrong. She lied he indicated. XXXX now told me I had to call attorney office of XXXX and request a reinstatment letter. XXXX futher went on to say that I had to pay with certified funds only. This is really unsettling considering the Notice of Default that I just received makes no indication of this " certified funds '' request or has any KeyBank employee ever told me I had to pay with " certified funds. '' I went on to explain to XXXX that my funds cleared my bank on XX/XX/2017 and the XXXX payment was good and thus, " certified ''. Again, I explained to XXXX I was not delinquent. XXXX then went on to say KeyBank will be mailing my XXXX back in the mail. XXXX appeared to have no clue on the status of the payment and a check being mailed. 
I am not sure why Key Bank is treating me like this. I paid the account current, Keybank took and accepted the payment on XX/XX/2017. I never heard from XXXX after the XX/XX/2017 payment was accepted until I unexpectedly received the " Notice of Default '' dated XX/XX/2017. I have always told Keybank I am keeping the house, I live in the house and I want to work with them. I also mailed a Modification packet to Keybank at the end of last year and now Key Bank has told me they have no proof of receipt. Also, during my phone call with XXXX XXXX he started to get an upset, loud and then he hung up on me during the conversation. ( recorded conversation will confirm ) I called right back.