davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-30
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (CO)

My mortgage is currently with Stearns Lending. Over a month ago we sent them a check for {$25000.00} ( insurance claim check that must be cosigned by them to repair hail damage to our home ) and submitted all of the required paperwork to include a signed contract with a local painter to begin our repairs. XXXX is fast approaching in Colorado making outdoor labor very difficult and yet still no check from them???? It appears they have a sub-contractor that handles insurance claims in the name of XXXX in XXXX S.C. Our money is NOT in our regular escrow account so we suspect that all of the " stall and delay '' actions taken by XXXX are intentional and they are profiting off OUR insurance money?? Pretty sure what they are doing is illegal on several fronts but I should leave that up to you to decide. Regardless we need our insurance money so that we can pay for the repairs to our home. Every time we call there is a new reason ( not on the checklist ) for our money not being sent??? I XXXX this company and it appears that I am not the first person to be jerked around continually by these criminals.
Consumer complaint received 2015-08-27
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NJ)

When I was XXXX I set up a student XXXX PNC Checking and Savings Account. I was told I would never be charged a fee for this service since I am a student. Last XXXX PNC upgraded my account and changed the terms and conditions of my account without telling me or having me sign anything. I called and they said they sent me something in the mail and that 's all the notification I needed for my account upgrade. They never did anything besides sending this letter, which I never received because I 'm at school, I was never asked to sign anything to agree to the new charges and terms and conditions to my account. I was charged {$15.00} a month for an account that I never signed up for. PNC admitted it was a mistake for my account to be upgraded and said they would only reimburse me for XXXX of the XXXX+ months I was charged for having below a {$1500.00} minimum. I have never had more than {$2000.00} in my account at a time. PNC admitted it was a mistake and refuses to reimburse me for this fraud. They lied to me and waived my account terms and conditions as a student without my direct knowledge.
Consumer complaint received 2019-05-11
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: JPMORGAN CHASE & CO. (OH)

Hello, On XX/XX/2019 I applied for a united mileage card that had a promotional to receive XXXX bonus miles after purchases of XXXX and XXXX credit off first airline purchase. I had enrolled in the United airline mileage program, off the airlines website and the promotional populated with the promotional that I previously mentioned, then I applied. The website approved me for the United explorer mileage plus card. So, I purchased my airline ticket believing I will get the XXXX credit off my first statement purchase. Calling Chase, they told me I did not qualified due to the promotional was not for this card. So, there website approved me for something other than I was applying for. I feel like this is a bate and switch. The supervisor refuse to honor the promotional and I closed all my accounts with them. I have up loaded a picture of the promotional XX/XX/19. Please look into this. Thank you for your time and help.
Consumer complaint received 2016-09-13
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: 360 MORTGAGE GROUP LLC (NM)

Timeline of events regarding complaint against 360 Mortgage Group and the enormous {$540.00} increase in mortgage payment due to 360 Mortgage Group negligent error in projecting escrow funds. 
XXXX/XXXX/XXXX loan was re-financed/originated with 360 Mortgage Group by consumers. 
XXXX County taxes were paid in the amount of {$1600.00}. At that time the balance was already paid by the title company involved in the re-finance, this resulted in a negative balance. 
XXXX County taxes were paid in the amount of {$60.00}, as this was the difference due following the XXXX over payment and change in XXXX XXXX rate. 
XXXX/XXXX/XXXX 360 Mortgage Group conducted an escrow analysis and determined that the Consumers ' taxes would only be {$120.00} for XXXX, subsequently they issued an escrow refund to consumers for {$1800.00}. 
o Please notes : tax history going back to XXXX is average at {$3000.00}. This should have raised a red flag to 360 Mortgage Group. 
XXXX/XXXX/XXXX an annual escrow account disclosure statement was sent to consumers indicating that the escrow account was severely deficient at a shortage of {$3200.00} which was to be prorated over 12 months at {$270.00} and would raise the payment of {$1400.00} by {$540.00} to {$1900.00}. 
XXXX/XXXX/XXXX Consumer contacted 360 Mortgage Group and spoke with XXXX who advised her that the taxes were only {$120.00} last year and now they were {$3300.00}. He advised that taxes are calculated based on the previous tax year, which does not make sense as the XXXX tax year had a tax bill of {$3300.00}, nowhere near {$120.00}. XXXX assured consumer that a supervisor, XXXX would call her back by 2 business days or Tuesday XXXX XXXX, XXXX. Consumer asked that this matter be resolved and based on 360 Mortgage Group serious error that they make financial amends for this mistake. 
XXXX/XXXX/XXXX No call received from the supervisor XXXX. I called and spoke with XXXX who passed me to the supervisor XXXX. XXXX advised that they will spread the escrow payment over 36 months and this will result in a payment of {$1700.00} as of XXXX XXXX, XXXX, and increase of {$360.00}. I requested a call back from a manager several times and she refused and stated that she was all I was going to get and " managers do n't take calls. '' I advised her that I would accept the 36 months but am still asking 360 Mortgage Group to resolve this financially based on their mistake. This puts a huge financial burden on the home owner of a payment increase of {$360.00}. I again repeated my request for a call back and appropriate resolution to XXXX, but as the call was going in circle with her, I had no choice but to end the call. 
XXXX/XXXX/XXXX XXXX statement received showing payment due XXXX/XXXX/XXXX {$1900.00}. This was never resolved and now the consumers ' payment is increasing by {$540.00}, which is an impossible burden.
Consumer complaint received 2017-01-15
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Big Picture Loans, LLC (CA)

I made the mistake of taking out a {$1000.00} loan with this company under the impression that I would only incur {$350.00} in finance charges. That my first payment would essentially be my finance charge and that all subsequent payments following would be towards the principle. I thought the government regulated the limits a company can impose finance charges to protect U.S. citizen consumers from foreign financial scams. After my most recent payment is when I was alerted to this. I have made payments totaling {$1400.00} already and have n't even touched the principle according to there information. This is unlawful and illegal for this company while on U.S. soil to operate and defraud U.S. citizens out of money. I will continue to pursue making this practice illegal by contacting my districts congressional office and senate until this matter is resolved. Its unfair that BigPictureLoans is allowed to word and market there product in a way that preys on people desperate for a quick loan. As the great grandson of a XXXX XXXX member, I am more than sympathetic regarding the mistreatment and unethical treatment of our XXXX through the history of the United States and I stood in spirit along with those at 'XXXX '. However, this is where I draw the line on the legal things XXXX can do via XXXX that cant be done elsewhere in the continental United States. If its illegal for foreign countries to prey on our consumers financially, then that should stretch domestically.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ERC (TX)

I recently pulled all three of my credit reports sometime in XXXX. I noticed a collection account for Enhanced Recovery Corporation. I sent a debt validation letter on XXXX/XXXX/2015 and as of today I have received nothing to validate the debt. I disputed with all of the credit bureaus but they say its been validated. How is this possible if I ca n't get basic information such as a last billing statement or contracts signed by me for this account. I have had my bank account compromised twice in the last two years and need to know if this is legit or not.
Consumer complaint received 2020-04-18
Product: Student loan — Federal student loan servicing
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (CA)

XXXX XXXX student with federal Loans are to be forgiven mine werent they wont tell me anything they told to consolidate so I can apply for loan forgiveness I have so much interest that more my loan XXXX XXXX students will get all federal loans forgiven they have closed filed for bankruptcy the school did but navient has not complied with loan forgiveness even on my consolidation listed a different school
Consumer complaint received 2016-12-14
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (OH)

I have a a unverified account from ERC # XXXX. I had previously disputed this account. I have never done business with ERC. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) XXXX XXXX, I dispute the validity of the debt purport I owe. I request that ERC Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date XXXX XXXX XXXX the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ERC Cease and Desist all further communications and collection actives and provide the verification of the purported debt.
Consumer complaint received 2017-02-02
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: TCF NATIONAL BANK (IL)

I had my credit report ran from my preferred lender for my first time home purchase. There is an account with TCF National Bank that is showing up on my credit report. Due to this error on TCF National Bank 's wrong doing, I was denied the loan. I have been going through the process of getting them to remove this other consumers mortgage account off of my credit report, but have been unsuccessful. I keep getting the " run around '' from them. I signed a power of attorney to have a mortgage professional help me with this but they are getting the " run around '' as well. I have called, faxed, emailed my social security card, my drivers license, copies of utility bills and even my credit report showing proof of their error ( s ). I do not know what else to do because i am going to lose my earnest funds and ca n't get TCF National Bank to write a letter explaining that this is their error, with an XXXX confirmation number/code to help underwriting understand that his is not my fault, and to ultimately get this account that is not mine, off of my credit reprot.
Consumer complaint received 2017-02-17
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: KEYCORP (NY)

After 3+ years of walking into key bank every month to make my payment & waiting 10- 20 minutes EVERY single time to make my payment which by the way includes extra principal. The wait is because key team members at every level teller, mgr, executive office can not locate their own loan. I was told by the branch mgr at the XXXX office that the wait is my fault & I 'm doing it incorrectly the payment is intended to be mailed. This occurred in XXXX. In XXXX 2017 I sent my payment via billpay to keybank the check was rec 'd & deposited on the XXXX it was sent on the XXXX. but never credited to my acct. I phoned the number on my invoice 3 times once to est. where to send XXXX ck & twice to verify receipt of my cancelled ck & deposit to an acct at Key, but not MY acct. After no resolve, I contacted the exec. offices at key spoke with & emailed XXXX XXXX & he refused on XXXX to acknowledge receipt of my info. Again he refused because he could n't find my loan or info JUST LIKE EVERY OTHER TELLER I 've ever worked with. I am VERY CONCERNED about the security, & integrity at key bank. The obvious inefficiencies of their system not to be able to locate their own loan & cause so much XXXX to a customer regarding very simple info ; " Did you receive the payment? '' I really hope others do not have to go through this terrible experience which at this point involves over 2 hours on the phones with key team members, contacting my own bank for verification, & STILL has not even been acknowledged with a simple yes, we 've rec 'd, no we have n't. It 's beyond ironic that key claims to assist woman XXXX & in my 30+ years of business this is clearly the worst experience to date.
Consumer complaint received 2023-02-24
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Fees or interest — Charged too much interest
Company: BARCLAYS BANK DELAWARE (MA)

XXXX recently reviewed my Barclays credit account and found that I was being charged 29 % interest. I called the company to see if they could help me get ahead of the debt by lowering the interest rate or did they have a program that would help consumers get out of debt temporarily. The representatives did not have any knowledge about how to help a customer. 
I did email the company and they said I was eligible for a payment plan, but when I clicked on the link it did not work and when I called them the representative again did not know how to get this resolved.
Consumer complaint received 2016-01-18
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: PNC Bank N.A. (AL)

I believe that I was misled by PNC bank regarding the automatic payments for a car loan ( paid in full in XXXX 2015 ). I discovered it when the loan payment was auto-drafted for the second time after the loan was paid off. PNC advised that " I '' had set up our payments to be made through a 3rd party service ( mycheckfree.com ). I did n't realize that when I originally set up the auto-draft through their website that I had been redirected to a 3rd party not affiliated with pnc. PNC now tells me that that I should have cancelled the auto-draft though the other company ( and that I would n't receive a refund for 10 days. ) Their auto-draft set-up was misleading - I thought all along that I had set up payments with PNC. The bank statement even showed " ACH withdrawal PNC Bank. ''
Consumer complaint received 2016-10-04
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (CA)

We have had nothing but trouble for a number of years trying to qualify for a loan modification. We make enough money to sustain a mortgage payment and had put over XXXX down on this property now only worth XXXX when we bought it for over XXXX XXXX. We were forced into a bankruptcy after multiple attempts to resolve the disputed mortgage delinquency and modification process threatened us with foreclosure. We have also attempted to resolve this issue through and attorney ( XXXX XXXX XXXX XXXX XXXX XXXX ) who ultimately cost me over ten thousand dollars to still have the threat of foreclosure and stall tactics with no real resolution during the entire process. Ultimately denying us saying they could not verify our income, which we have provided bank statements and tax returns for. I am now attempting to short sale the property as a last resort although we should qualify to stay in the home. We were told we had to drop litigation in order for them to review us for a modification after over a year of going no where, then when we did, they blocked us from speaking to them to get status of the modification review and to confirm that they received the documents we sent. Instead they only lift the block 2 days ( they refuse to help saying its now to late ) before a sale date forcing us to file a bankruptcy to prevent the home from going to sale.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (AZ)

On XXXX XXXX, 2015 - I opened a PNC bank XXXX account in their XXXX XXXX IL branch. This account is very complex to understand - two underlying checking accounts and XXXX savings account all associated with each other but not very well or at least customer is not fully aware how they works. I had a {$200.00} cash back promotion code that was also applied. As per the terms and conditions - i need to have {$2000.00} as direct deposit and one Bill pay from this account within XXXX days. I did fulfilled it - XXXX bill pays and two direct deposits worth more than {$2000.00} also. But it seems PNC bank has some other plans - not to honor their words and give me {$200.00} promotional bonus. Now branch folks are telling me that i should have used my other checking account to do the bill pays and they are claiming that they made it clear on the email also ... which i have been telling from day one ... it 's one account for me and somewhat complex to understand. Moreover it 's very difficult to understand the online website and even navigate thru it-i am using my quicken to understand all the complexities of this PNC account. Did enough follow ups on this matter with XXXX and XXXX but i am not seeing light at the end of the tunnel. I need the promotional cash back as i have fulfilled their conditions. Moreover once PNC bank tricked me and charged me overdraft fees of {$35.00} also even when all these XXXX accounts were connected/associated with each other and there was enough balance in the overall account. Later when i reached out to them-they remove the overdraft fees. As and when i go to that branch-they are trying to sell more and more stuff to me rather than helping me understand this complex " PNC XXXX '' account.
Consumer complaint received 2016-06-03
Product: Credit card — 
Issue: Payoff process — 
Company: PNC Bank N.A. (IL)

PNC Bank, in my opinion, has failed to provide an adequate method of setting up automatic bill payment for its credit cards. At this time, you can not set-up auto bill pay through online avenues, and must mail in a form to apply for automatic bill payment. Further, enrollees are not informed whether they are signed up or not by PNC. An application I filed XXXX3 years ago appears to have been approved recently, which I only learned about because they double-paid my last statement balance, XXXX of which I had to conduct manually. 

After contacting a representative of PNC, I was told the only way to modify my existing auto-payment regime is to call a representative directly. Again, I have no present way of individually understanding what the auto-bill pay policy is for my account. 

The result of XXXX of the above policies is that customers are materially more likely to carry balances between statements, accruing high rates of interest on larger balances than they would otherwise. Without a feedback mechanism in place, customers are also unable to determine whether automatic payment has been set up until a billing date passes, at which point a customer may already receive a black mark on their credit report, imparting unfair economic consequences on people trying to improve their financial wellness.
Consumer complaint received 2019-02-16
Product: Debt collection — Other debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: M.A.R.S., Inc. (AR)

Me and my roommate XXXX XXXX moved into the apartment which at that point was called XXXX XXXX XXXX. On or about XX/XX/2014. It is now called XXXX XXXX. So I check my credit a couple of years ago and it is on my report {$1300.00}. I have disputed this matter a couple of times. I filed a complaint through y'all just two or three days ago. Yesterday I called Mars Inc which is the collection agency. The representatives name was XXXX. She told me I was the leaseholder and XXXX XXXX was the occupant. This is a complete and total lie due to the fact my credit was not up to par to be able to sign the lease. I still live with XXXX XXXX and yesterday he got on the phone with XXXX and told her he was the one who signed the lease and I was occupant. She then says " okay so you want to take care of this dedt for her ''.? She was very rude and when he asked can she produce the lease she says once again so you want to pay the debt for her. Never gave him a yes or no answer that she can produce lease. This is the worst un professional agency I have ever dealt with in my entire life. It would be one thing if I was the sole lease holder responsible but I am not in this case and my credit as I said before was not good enough to be a leaseholder. Please please help me with this lying manipulative fraudulent company Mars Inc sincerely XXXX XXXX
Consumer complaint received 2016-04-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Paypal Holdings, Inc (IL)

Paypal decided in the favor of the buyer in dispute case # XXXX. The buyers complaint alleged that they never received items purchased. 

I provided paypal with correspondance that showed the buyer confirming with me via email that they did receive the items purchased. That document is attached. 

Paypal refunded the buyer {$1400.00} after I proved that they buyer not only attended the event they purchased tickets for, but also lied in their dispute.