davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-01-12
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (OH)

On XX/XX/XXXX I logged online and checked my balance. I had electronic items pending as well as debit card transaction. I knew I had gas purchases so I made a deposit of XXXX which then made my balance positive by XXXX ( I have a receipt ) after the system updated that night I woke up to see my account was overdrawn by XXXX. The only thing that I can see possible is that PNC released my hold on a XXXX debit card purchase that I had did on Fri XXXX/XXXX/15 because my acct ended up being overdrawn by almost that pymnt. I called PNC and explained I know I overdraft in the past somewhat often but I truly attempted to not overdraft by checking my balance and then making that deposit. I asked for a courtesy reversal. I was told that he could n't extend one because I had a courtesy reversal on XX/XX/2015. I did n't recall having one because I do n't call for one since I know I overdraft at times. I released the call with him checked and it was n't a courtesy reversal. PNC does n't charge fees if your acct is overdrawn under XXXX. I had wrote a check and was off by XXXX cents and PNC charged me an overdraft fee and then reversed it with the phrase Reversal threshold. Im thinking since it was under XXXX and should n't have been charged. I called back the next day and spoke to a polite young lady who agreed that was a bank error in XX/XX/XXXX and that I did qualify for a courtesy reversal so she was going to escalate it further for me and I would get a call back from their escalations group. A week later I receive a call from someone who left a message with a number to the department. I called and spoke to a XXXX XXXX. XXXX was quite condescending and told me that its a myth that banks waive fees. I explained that it cant be a myth when XXXX prior cust service reps told me that fees could be waive. XXXX stated I had already had courtesy reversal which I did n't and the other stated I was right and she would escalate it. I even stated the calls could be reviewed. She continued to not listen to what I was stating and was n't even going over the transaction period that I was referring to ( XX/XX/XXXX-XX/XX/XXXX ) by the time I spoke to her since I thought I had everything covered I ended up over drafting my acct again and she kept speaking on those transactions. It was obvious she no longer was listening to me so I asked for the president name of PNC to write a complaint. She would n't give it to me. I asked for her manager and received XXXX XXXX who had to look up the name and spelling of the president of PNC but she did give it to me. She also stated that its a myth that banks waive overdraft fees as courtesy. By speaking to the prior to reps before this " escalation department '' I know its not a myth and I feel I have been lied to by XXXX and XXXX.
Consumer complaint received 2015-06-09
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (RI)

I am a XXXX in XXXX, SC. Primarily I work with borrowers who have had prior chapter XXXX bankruptcy 's to get their mortgage payments lowered after discharge. 

Time and time again I have the borrowers current servicers taking over XXXX weeks, sometimes months to get a payoff over to the borrower and this is with the borrower actually requesting it. Specifically, the company that is taking this lengthy time to get the borrower what they ask for is PNC Mortgage. The other company 's comply with the immediately upon request but no more than XXXX days from the date of request law, but not PNC. I have a client now who has waited over XXXX months with repeated attempts to have this resolved and PNC has told them " XXXX '' literally every XXXX days for XXXX months. 

Considering this is a violation of the law and not an isolated incident I believe they should be reprimanded for this blatant disregard of their customers needs. In the financial industry, especially the mortgage industry these people are in charge of, in many cases the largest and most important investment in a person 's life. PNC is giving a bad name to banking as they seem to think that the law does not apply to them and that the loans that they service have no real person behind them.
Consumer complaint received 2016-01-14
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: PNC Bank N.A. (PA)

I recently financed a vehicle through PNC, I purchased the car on XXXX XXXX. When I had not received any information in the mail regarding my account number, when my first payment is due, and how to make a payment, I called today XXXX/XXXX/16 as I slightly remember the dealership saying that my first payment was due XXXX. The representative on the phone told me the coupon book was mailed on XXXX XXXX and that I should be receiving it soon. I had called to schedule online banking since I wanted to make sure my payment was not late, only to find out that I could not schedule online banking with PNC to pay this loan unless I had a PNC checking account, I do not have a PNC checking account. I then tried to schedule autopay through my bank where I have a checking account XXXX XXXX XXXX and needed the address for XXXX to automatically send a check each month. I had to call back PNC for this information, I expressed concern to them that since I was through this method, the payment could end up being a few days late since the payment was due XXXX/XXXX/16. They offered to transfer my concern to escalations, with a 24-48 hour XXXX to get back to me. I advised them that since the payment is due XXXX/XXXX/16, that would not benefit the situation. My concern is how could they expect a customer to make a timely payment if the coupon book containing their account number and how to make a payment was n't mailed until XXXX/XXXX/2016. Furthermore, I have yet to receive my loan agreement - which is a further concern of mine.
Consumer complaint received 2015-11-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LENDER LIVE (VA)

We made a payment in XXXX for the XXXX payment to LenderLive via our bank draft. An automated payment was already scheduled so they received XXXX checks. Both were cashed. We realized this and called in XXXX to confirm the XXXX payment went toward XXXX due date. It was confirmed the XXXX payment was taken care of, the next payment due would be XXXX XXXX and we would receive a statement reflecting this. 
We did receive a statement and she was correct. So we set up our XXXX payment. 
On XXXX & XXXX, we began getting calls to ask why our XXXX payment was late. I reviewed the above with the representative and they indicated our payment was " reversed. '' I told them no one informed us of any " reversal '' and this went against the previous info we had received both verbally and in writing. Then I asked where our money was. They could not tell me why it was reversed or where our money was. 
They had to open a ticket to research, with resolution in 24-48 hours. We have received several more mailings, including a new statement showing XXXX payments due, and Past due notices including late fees and urgency. 
The other representatives calling do not even check the notes as we 've received several calls in that same time period to collect this balance " due '' AFTER the Dispute ticket was opened. 
We need to know where our money is and how to get it reapplied to the XXXX payment as they had done originally and confirmed with us. If this can not be done, we will pay the XXXX payment again ONLY once we receive these funds back to our originating account. Further, we need any late notices, or fees to be removed from this account. I have all documentation and summaries of phone calls. 
Our XXXX payment is already scheduled regardless of above outcome. 
Lenderlive representatives have been very polite once they realize their company has contradicted information provided to us the borrowers, but this company 's record keeping and practices is not acceptable. 
Our originating mortgage broker sold this mortgage within a month. LenderLive should not be included in the pool of mortgage companies to transfer accounts too.
Consumer complaint received 2017-01-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (NJ)

A vendor erroneously accessed my bank business account, which caused my account to overdraft. Bank charged me with an initial overdraft fee of {$36.00} and subsequently charged an {$8.00} overdraft fee every day, which continues to this date. Called bank and was advised that once funds were returned they would address issue. Went in person to bank and was told I would still be liable for overdraft fees - How could this be so I did n't cause it to overdraft My XXXX questions are how could I be liable for any over draft fee if someone overdrafts my account, admits they should n't have and rerurns funds that caused the overdraft, and secondly - can a bank charge an overdraft fee EVERY SINGLE DAY your account is overdrawn??? that is preposterous
Consumer complaint received 2015-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

We are in the unfortunate position of having had our mortgage sold to Nationstar for servicing. Each month we pay the amount due ( principal and interest ) plus an additional {$750.00} toward the principal. We use Nationstar 's online form which allocates the payment accordingly. For whatever reason, Nationstar can not seem to understand that the additional {$750.00} is a payment against the principal. Some months it has been stuck in an escrow account. More recently, after several phone calls and hours spent talking to a representative and being assured that our account has been corrected and that the problem will not recur, the new approach ( last 2 months ) is to allocate to the next month 's payment, reducing the monthly amount due rather than reducing the principal owed. The following is an example of the communication we have been having with Nationstar : Subject : Payment PostingLoan : XXXX XXXX XXXX XXXX. XXXX XXXX CA XXXXDate : XXXX XXXX, 2015 XXXXOnce again we are writing to correct your posting of our most recent payment. We paid our XXXX payment on XXXX/XXXX/15. As we do every month we paid the amount due plus an additional XXXX in principal. Once again you have failed to post this payment correctly. Why is this so difficult? Compounding your error, your site indicates that you did not accept this payment toward the XXXX payment due and that we still owe an XXXX payment. Correct this as well. We are becoming tired of having to constantly correct your accounting of our payments. This is not hard, all you need to do is look at the allocation of the payment that is made with transaction and apply the funds accordingly. The incompetent handling of our account is very frustrating and stressful. We make our payments on time, even early, and expect reasonable service of our account. If you are unable to provide this minimal competent level of service please transfer our loan to some one who will. I would welcome someone calling me and explaining the steps you will take to remedy this situation. I can be reached at XXXX. XXXX XXXXThe only response to this email was to make the corrections requested. However, each month since has continued to be problematic with Nationstar mishandling our additional principal payment requiring calls to the service department. Its delay in applying my additional principal payments obviously impacts the amount of interest I am paying to my detriment but to Nationstar 's benefit. I suspect that my loan is not the only loan being handled this way, and if it is Nationstar is benefiting from its own seeming incompetence.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Dear CFPB, I have applied for a loan modification ( loan # XXXX Nation star mortgage after pre approved by XXXX - Document Services- XXXX. But nation star mortgage continue to reject my loan modification even with an increase of income. They continue to use old income from 3 years ago instead of my current income info. After I have complain about this a few times, they asked me to resubmitted my loan package again and again but they continue to use the old income info from years ago. 
I strongly feel that Nation star mortgage is refusing to give me a loan modification because of my XXXX marriage or my religion or race. Because according to XXXX, i am qualified to get a loan modification but nation star mortgage continue to use old incorrect income info to disqualified me and continue to send me letters in the mail asking me to sign my property over to them as my only option. 
Please forward my complaint to the right department so that this matter can be investigated properly. 
Very frustrated by their ill treatment. 
SincerelyXXXX XXXX
Consumer complaint received 2016-04-27
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (NY)

Someone paid for their Regional Acceptance Telpayment bill ( autofinance ) by making a fraudulent authorized withdrawal from my checking account at New York Community Bank. This was done on XXXX XXXX, 2015 in the amount of {$330.00}. There were other payments paid the same way by a different person for XXXX bills. The bank could only reimburse me for the past two months. I contacted the Fraud Department at XXXX and succeeded in being reimbursed for the past year only, of the 15 months of fraud. I tried to call the Fraud Dept. at Regional Acceptance Telpayment ( phone - XXXX ) and was told I could not talk to them because I do n't have an account with Regional. They said I have to go through my bank. My bank said they only have a name and no other information. They can not help me. I want to be reimbursed by Regional for {$330.00}.
Consumer complaint received 2016-12-16
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BB&T CORPORATION (MN)

I received a loan for the purchase of my vehicle from XXXX XXXX Bank. I setup an autopay account with that bank. XXXX XXXX sold its auto loan portfolio to BB & T. XXXX mailed me a letter indicating that that it sold my loan to BB & T, which in turn, would be serviced by " XXXX XXXX XXXX XXXX / XXXX. XXXX XXXX / XXXX, Texas XXXX / Phone : XXXX '' XXXX 's letter indicated that BB & T and/or XXXX XXXX would be mailing me a " Welcome Package '' indicating how I could setup autopay. I do not know my account number and can not pay the loan. XXXX XXXX continues to call everyday. I 've asked that they either mail or email me instructions for setting up electronic payments, as I do not feel comfortable handing over this information to someone whose identity I have not been able to verify over the phone. I have not yet received this information, yet BB & T / XXXX XXXX continues to call daily.
Consumer complaint received 2016-02-01
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: PNC Bank N.A. (PA)

Hi my name is XXXX, Iam writing because I have medical issues that interfere with me constantly checking my account. I signed up with email and text notifications to alert me of any, including overdrafts I may incur due to the banks inaccurate online statements of available balances. Well Friday I was highly upset due to not knowing I had insufficient funds in my account. Yes I am now aware that merchants do n't necessarily take funds out according to the order in which they were made. So at the time, I thought I had a balance in my account. The problem is the transaction happened Wednesday and I did n't receive an overdraft notification until Friday at XXXX in the morning. If the notification was sent at a more accurate time to allow me time to cover the funds, I would have done so before XXXX the prior day which is what a bank representative told me, would prevent the overdraft, but clearly if my balance is showing overdrawn not to my knowledge, the reason for signing up for notifications is pointless. Please help in this matter as I am never able to make resolve with my bank. I was charged an iverdraft fee and would like a refund due to the lack if the bank not notifying me or allowing me enough time to cover the fee like their policies state. Thank you
Consumer complaint received 2017-02-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (MI)

So I have sent several letters to the credit bureau regarding XXXX accounts that are reflecting negatively on my credit report, XXXX of the accounts is XXXX, I have disputed stating that the account is inaccurate and I would like for it to be deleted, However the credit bureau sent me a letter stating the verified the information, I then asked for their verification method along with any documentation that they recieved to match it against my records, they did not provide that information, I then asked for information from them to find out who they spoke with and how did they speak with them, They still in return did not send me any information and continued to say that they verified the information but has yet to tell me how. Another account would be XXXX, I sent a letter along with a check to XXXX asking them consider the account closed and paid by cashing the check that they received, They cashed the check which mean they agreed to remove the account and consider it paid, I sent the same method and information to the credit bureau requesting the account to be removed and they have not removed it and stated that they verified the information, of course, I asked for proof and any documentation along with the representative that they spoke with and they were not able to provide that information to me. I sent check # XXXX in the amount of {$45.00} and it was shown that it was cashed by XXXX on XX/XX/2017. 
Another account would be a bankruptcy listed on my credit report, the credit bureau sent me a letter stating they verified it through XXXX, I then spoke with XXXX on XX/XX/2017 at XXXX and the Representative XXXX told me that no one has called or sent in any documentation to verify anything with XXXX on behalf of me, So I am not understanding how they claim to verify a bankruptcy.
Consumer complaint received 2016-08-24
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (IA)

I was lied to by quicken loans about a credit inquiry. I asked for information regarding loan rates and general information before even applying for a loan or having my credit pulled. I was told that a hard credit pull would not happen but they needed to collect some general information to run scenarios. I was just simply trying to explore possible solutions to my wants. This company explicitly lied to me and when i contacted them they said that i consented to a credit pull so they did nothing wrong. I spent an hour yesterday with them and another hour on the phone with XXXX and quicken loans and both companies tell me they ca n't remove it. I did n't even get a rate or discuss anything that i was looking into doing with my mortgage.
Consumer complaint received 2015-10-26
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Machol & Johannes, LLC (CO)

I am so sorry to have to contact you again, but I am having an issue again with the debt collector MACHOL & JOHANNES, XXXX XXXX XXXX, XXXX XXXX, XXXX CO XXXX. XX/XX/2015, you assisted me in reaching settlement with this debt collector. 

At that time, I informed XXXX XXXX XXXX, that I could give them {$4000.00} to clear this debt and remove the lien from my home. XXXX XXXX spoke with his supervisor and was told they would only accept {$7000.00} to clear this debt and remove the lien. I did n't have that amount so I settled for payments of {$100.00} a month, beginning XXXX XXXX, 2015, with no interest being charged. I have never missed a payment. 

On Friday, XXXX XXXX, 2015, I called XXXX XXXX XXXX at ( XXXX ) XXXX, and informed him that I now had {$6000.00} to be used to clear this debt and release the lien on my home. I told XXXX XXXX that his supervisor wanted {$7000.00}, but I asked XXXX XXXX to ask his supervisor if he would accept the {$6000.00}. XXXX XXXX said he would speak to his supervisor and would call me back, and could he leave a message if I did n't answer. 

I did not hear anything from XXXX XXXX, so on Tuesday, XXXX XXXX, 2015, I called XXXX XXXX and left a detailed message for him to call me back with an answer regarding the {$6000.00}. 

I got no response, so on Thursday, XXXX XXXX, 2015, I again called XXXX XXXX and left another message for him to call me back regarding the {$6000.00} to clear the debt and release the lien from my home. 

As of today, XXXX XXXX, 2015, I have not had a response from XXXX XXXX by with a phone call, message, or by any written communication. All I want, is to know whether or not they will accept the {$6000.00} to clear my debt and release the lien on my home. How hard is it to answer that question? 

Thank you in advance for any assistance that you can give me in this matter as I ca n't seem to get any type of response from this debt collector. /XXXX XXXX
Consumer complaint received 2016-08-27
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: Big Picture Loans, LLC (FL)

I applied for a loan, the truth in lending disclosure was never displayed to me. The company told me on a {$400.00} loan I would have to pay a total of {$540.00}, which includes a {$140.00} service fee what I accepted. Today I check my account and they are charging almost 1000 % interest ( not a typo )! This was NEVER told to me or I would have never accepted the loan! This is a scam!
Consumer complaint received 2017-03-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ERC (IL)

On my credit report I saw a debt that I do not owe. I wrote and sent a certified letter to them ( XXXX ) XX/XX/XXXX. They did not respond within the 30 day time frame. I disputed the debt to the 3 credit bureau 's XX/XX/XXXX. The company ( XXXX ) and debt was removed from my credit report. Then I received a bill from the debt collector ( XXXX ). A date stamped envelope with the date of XX/XX/XXXX with a bill ( XXXX ) of an account that I have never had. XX/XX/XXXX I noticed the same debt collection, this time from another company ( Enhanced Recovery ). I sent them ( Enhanced Recovery ) a certified letter XX/XX/XXXX, only to learn that I should have written to you when I saw that the debt collector transferred the debt to another collector. I have have my mobile services with the same company for 12 years ( XXXX ) with the same telephone number and have never switched companies at any time. Please find all supporting documents to this complaint. I an disputing this bill that I do not owe. I am reporting this company ( Enhanced Recovery ) that is attempting to collect a debt that was previously removed from the 3 credit bureau 's, I am proving that I am with the same carrier and do not have a past due balance with them from XX/XX/XXXX and have never had another account with the same phone number. Moreover, this debt was erased from my credit report and should have never been transferred to another company. I thank you in advance for looking into this matter. XXXX