davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (FL)

My loan is being serviced by LoanCare ( LoanCare, a XXXX company and indirect subsidiary of XXXX XXXX XXXX ). I received my first payment letter that instructed me to make the payment by check while the ACH auto draft was being set up. I made my payment on XX/XX/XXXX and then on XX/XX/XXXX they auto drafted me for my mortgage payment. I called to request a refund and they refused and said I would be always be a month ahead. They said my only option was to cancel my auto draft for XX/XX/XXXX and reinstate it in XX/XX/XXXX. I then called my mortgage broker who lodge a compliant with them. They said they would send me a check and the next thing I heard was they were wiring me the funds back. The wire never arrived meanwhile the payment was taken off my account. When I called to inquire on the wire they then said they would overnight me a check. That check never arrived. Now it is XX/XX/XXXX and XX/XX/XXXX payment is due. I had enough so I told them just to keep the funds and I would cancel my audit draft. The notice that my auto draft was in place was dated XXXX/XXXX/16 and I did n't receive it until XXXX/XXXX/16. Also I just received my tax forms on XXXX/XXXX/16 which is late. I have already filed my taxes. Based on the hold time I know I am not the only one with issues. When they processed the 2nd payment they applied it to principal and interest not to principal only. It appears their system does n't pick up on duplicate payments.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (GA)

Loan payment for XXXX XXXX, 2015 cleared my checking account on XXXX XXXX. To date, the payment has not been applied to my loan. Contacted Loancare numerous times beginning XXXX XXXX with no resolution.
Consumer complaint received 2023-08-10
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (PR)

I received a private student loan in XXXX. I have continuously paid even while in school. The interest rate has been going up in a manner that benefits the lender. By the time I pay off, I will have paid the loan twice. I believe this is a predatory scheme and I need to know if something can be done. 

I have saved PDF files of the loan and the interest rate if you should need them. 

I spoke to a representative of the company but they tell me I will be out of the loan in XXXX.
Consumer complaint received 2016-09-20
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (GA)

There has been an ongoing issue with misinformation, lying, lack of details, delays of when things would be done, delay tactics of changing relationship managers, personnel not returning phone calls, etc. with my modification on home mortgage with US Bank. Absolute horrendous experience from the start. Was told by US Bank that process to final modification would be 30-45 days. That was XX/XX/XXXX, it is now XX/XX/XXXX and I am still not at the final process. This time they are blaming it on waiting for HUD for a variance.
Consumer complaint received 2015-08-13
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (AR)

Opened an account at u.s. Bank online not even a month after opening the account my card was compromised I freaked out and called as soon as I saw the authorizations pending the guy on the phone told me they were just authorizations and that they would fall off in three days they did n't fall off a few days later they posted to my account so I called again this time livid that I had been lied to but this was only the beginning of the lies the gentleman shut down my card I told him I would not be comfortable depositing anything into the account until the number was completely changed he said that would n't be a problem and so did numerous customer service reps I even have an email where one of these reps acknowledged she saw that in the notes exactly but I 'm getting ahead in the story so back to the second call I told him to turn off my overdraft before he transferred me to the fraud department me and the fraud department went through all the transactions I told him I had a car payment pending out and he assured me that my car payment would not be returned and it was first fee hits I call fraud they said " overdrafts are paid at the banks discression '' but they did promise any fees related to this at all would be refunded XXXX XXXX they apply provisional credit I removed all funds until account number can be changed except a small amount of money on the XXXX my auto financier put through the car payment again and I 'm charged a second fee I call and explain what I was told over and over again only to be told too bad they do n't care that I was n't comfortable putting my money in an account that was compromised or that they told me all fees would be waived if related I would say me not being comfortable putting a cent in an account that I do n't feel like is secure basically we do n't waive overdraft fees we are US BANK so I begin emailing customer service only to be told repeatedly that it 's my fault my issue not a US BANK issue I get conflicting information from every other email they send and then they tell me their entire management team has reviewed it and I have to pay these fees I told them to close my account so I would stop getting charged " extended overdraft fees '' they said they could n't until I paid the balance remember I opted out on the phone when I reported the card stolen initially. So these are n't even fees I agreed to by this point. This bank needs to be broken up you can find so many blogs of similar or worse issues the one constant thing is lying. Integrity is extremely important especially in a financial institution. Taking ownership of issues is another thing you ca n't do you boast 5 star service it 's more like 0 star service your people are rude and hateful you do n't do what you say you 're going to do you definetly should n't be trusted with anyone 's money.
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (AK)

I pay my mortgage in 2 payments every month. The payments are made by the XXXX of the month for the next month 's payment. For example, on XX/XX/XXXX I paid {$950.00} and XX/XX/XXXX I paid {$800.00} for a mortgage of {$1000.00}. I have been communicating back and forth with usbank about fees applied to my account for late fees. Most recently on a call on XX/XX/XXXX I was advised that if I pay in partial payments, even if I pay the full amount before the due date, I am responsible if usbank does not apply the funds correctly from the suspense account. I was quoted, " that is the risk you win into when applying two payments ''. I have reviewed the policies for Usbank and it shows I can make two payments. Is it legal for usbank to hold me responsible for their errors when applying payments from their suspense accounts?
Consumer complaint received 2015-08-19
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (IL)

PNC Bank services my mortgage loan on my house. I live in Illinois, where " dual tracking '' is illegal. I was being processed for workout options .... ie ... my hardship package was " under review '' .... and yet I was still being pursued in XXXX county courthouse for foreclosure complaint, complaint for default judgement ... etc ... .The same day I was offered a forebearance agreement to sign from PNC bank ... they filed the Complaint for Foreclosure!!! 
Please investigate them.. My case number is XXXX. I filed for a hearing on motion to strike their complaint and their motion for default judgement. Thinking of counter sueing them. Any thoughts?
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (WA)

The mortgage loan against my primary residence was purchased by PNC mortgage in XX/XX/XXXX. Payments are consistently made and applied against the outstanding balance within the grace period defined by PNC mortgage. However, on and after the XXXX of each month, if the payment has not been credited against the account, automated phone calls begin. These phone calls occur up to XXXX times per day and continue until the payment is credited. When I answer the calls, there is sometimes an automated message and other times nothing and no human on the other end. The recording says, please wait for a customer service representative and then the call disconnects. I also have received calls after my payment has been processed. When this occurs, I contact PNC mortgage and I am informed that a call should not have been made and they do not know why I was being contacted. Furthermore, in addition to the multiple automated phone calls, the payment collection process performed by PNC mortgage is abusive, unfair, and deceptive, due to the continuous phone calls without information or the inability to connect to a representative at PNC. During the month of XX/XX/XXXX, I forgot to transfer funds to cover the bills and my mortgage check was returned. Upon my identification of the returned payment, I logged online and paid the mortgage charge, a {$7.00} fee to make an online payment, and a late fee. 3 days after making the payment I received a certified mail package for early intervention and possible home ownership counseling opportunities. I was not even 30 days late and never received a notice other than, if I do not contact PNC within 30 days from the date of the notice I could face foreclosure. The notice required under RESPA and WA State law allows the lender up to 45 days to provide the notice for early intervention. The context of PNC Mortgage 's notice is not to bring attention but rather, to scare average consumers with the possibility of losing their home. I am current on my mortgage and have never been 30 days or more past due. I did not select PNC mortgage to originate my loan and feel as though I am required, with no other option, to pay for a loan refinance with another lender to avoid PNC 's abusive and threatening tactics. It is clear that PNC is unable to effectively manage their systems and controls to mitigate risk and harm to their customers, many of whom must deal with this poorly operated company without a choice.
Consumer complaint received 2016-04-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (MD)

StearnsXXXX acquired my mortgage 2 weeks ago, after it was sold twice from a re-finance 2 months ago. Last week I received both the package about this acquisition AND a dunning phone call that my payment was late!! How can any payment be late when only 4 days elapsed on receipt of information on a newly-acquired account? To worsen this situation, I followed the provided instructions to set-up my new account to make online payments BUT the needed field to click and complete this does n't appear anywhere on the web site. Soooo - I 'm unable to make a fast and timely online payment because the company 's web site lacks the fields to do this yet I 'll continue to receive dunning calls that my XXXX payment is late even though this company acquired my mortgage only 2 weeks ago. I ca n't go into their office since it 's several hundred miles away so paying in person is not an option. Is n't this harassment? Is n't this unethical? Is n't this an unfair business practice?
Consumer complaint received 2023-01-31
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Fraud or scam — 
Company: WELLS FARGO & COMPANY (MN)

I was contacted by a fraudulant email ( XXXX ) pretending to be a XXXX  They explained they had changed banks and asked me to change the direct deposit information to their new bank. I didn't realize it was a scam and, on behalf of the company XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX, XXXX in Minnesota ) changed the direct deposit info and deposited {$6200.00} into the account they gave me ( Bank Name : XXXX XXXX, Routing Number : XXXX, Account Number : XXXX ) using Wells Fargo 's " Direct Pay '' payment function. 

I contacted Wells Fargo and they refused to reverse the charge, initiate an inquiry or provide any recourse of any kind. A payment tool managed by Wells Fargo should have some form of recourse or assistance associated with the tools that we pay for.
Consumer complaint received 2023-02-23
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (IL)

XXXX. XXXX & XXXX Original Creditor : XXXX XXXX Account No. XXXX Amount {$150.00} this medical bill is still reporting on my EQUIFAX report even after the new law was places XX/XX/2022 that NO MEDICAL BILL UNDER {$500.00} WILL BE REPORTED. I've dispute this with Equifax numerous of times and it still remains.
Consumer complaint received 2022-08-03
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: SYNCHRONY FINANCIAL (VA)

In accordance with the Fair Credit Reporting Act. The list of accounts below has violated my federal protected consumer right to privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX : Account Name : SYNCB/CCARE1 Account # : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX accounts have violated my rights. 
As well as my personal information to be reporting the updated information. 

15 U.S.C 1681 section 602 A. States that I have the right to privacy.

15 U.S.C. 1681 section 2 : It also states a consumer reporting agency can not furnish an account without written instructions.

15 U.S.C. 1681c ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following times of information. any other adverse items of information, other than records of convictions of crimes which antedates the report by more than seven years.
Consumer complaint received 2015-04-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (MD)

Lender is not willing to issue an approval letter which gives the buyer adequate time to close the transaction. Buyer needs 30 days and lender has stated that it will only give 1 week. It is a ridiculous time constraint to close a transaction.
Consumer complaint received 2017-03-05
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (NY)

Opened an account with PNC for its {$300.00} promotion for Opening a new Virtual Wallet with XXXX and fulfilled the promotion requirements. It 's been XXXX months and have not yet receive the promotion bonus, which is longer than the terms of conditions stated. 
Promotion link : XXXX? WT.mc_id=LP16_PNC_0005 & m=w
Consumer complaint received 2017-01-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: PNC Bank N.A. (SC)

I took out a loan from PNC for school which my parents co-signed for. When I graduated I thought the PNC loan was transferred to XXXX with the rest of my student loans since I had not received a letter about interest or payments since I took out the loan. Sometime shortly before I graduated my parents went into bankruptcy. The other loan they co-signed for still sent letters about interest, explaining why they could no longer ask for payments and informing me that the loan was now in forbearance. No such letter came from PNC. Two years after graduating I got a postcard ad from PNC about having an account with them. This was the first time they had contacted me since I took out the loan. I called the bank to ask about the loan. They told me that there was no loan on file for me so I figured it was closed. XX/XX/XXXX my parents finished with their bankruptcy. Shortly after, PNC sent a letter to my parents that I now owed {$5000.00} more than what I took out since it had been occurring interest. I called the bank and they told me the loan was actually {$8000.00} more than the original amount and that they were not allowed to send letter since my parents were in bankruptcy. I explained I called and asked about the loan, which they said there was no record of, and that they had been sending letters about interest since I took out the loan. The phone number and address on file were both current with my parents so all letters should have been send to them. They are religious about getting my mail to me. I asked for a list of dates the letters were sent and the addresses. I was assured I would get this information but it never came. I even got a lawyer to send a letter but the bank refuses to help. I pay my loans on time and paid the interest on the other loan that was in forbearance. I have even paid off XXXX loans early. I would have paid the interest on this loan to prevent the {$8000.00} increase. I understand I owe the bank for the original amount and I will gladly pay it, but I would not owe {$8000.00} more if the bank had sent proper statements before my parents went into bankruptcy and had not told me the I did not have a loan with them when I called.
Consumer complaint received 2016-04-01
Product: Credit card — 
Issue: Advertising and marketing — 
Company: PNC Bank N.A. (MD)

My Visa credit card had an advertised benefit about extending manufacturers warranty by up to one year. When I called Visa to use their warranty for a {$900.00} dishwasher bought entirely on a card issued by them, they denied my claim. While I believe I satisfied all clauses for the claim, they said as the dishwasher is hardwired for electrical connection, the item was excluded.
Consumer complaint received 2017-01-24
Product: Payday loan — 
Issue: Charged fees or interest I didn't expect — 
Company: PNC Bank N.A. (OH)

PNC assessed a {$40.00} late fee despite being technically paid early. I was paid a day earlier than normal XX/XX/XXXX, and scheduled a payment on that same day, XX/XX/XXXX. This payment ended up being credited on the previous ( XX/XX/XXXX Statement ) instead of the XX/XX/XXXX Statement, even though PNC lists XX/XX/XXXX as the Statement Date ( which is Deceptive, I would assume that XX/XX/XXXX would be the first day, not the last day. ) As a result of this double payment accident I was assessed a late fee. I contacted PNC, and spoke with someone that did n't seem to be able to understand the problem, despite repeated attempts to explain that the problem was that I ended up paying a day early, and that what I wanted was for the payment to be moved up a day to fall in the correct billing cycle and the late fee to be waived. 

I feel that PNC, and by extension all Credit Card Issuers and Revolving Line of Credit Issuers are defrauding the public.
Consumer complaint received 2015-08-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NC)

I have XXXX mortgages with PNC which I have always paid on time for 9 years. 
XXXX within the past three months my payments have been mis-applied tothe XXXX mortgage along with added " late fees '' from PNC. The most recentmisapplication of funds have taken me through XXXX separate Customer Service & collections representatives to correct. I still send in my payment due on time & it gets applied to the wrong month, again bringing up a " late fee. '' I am having troublewith the issues being resolved in a timely manner & I feel like there is no follow-thru in the company. Otherwise I would not be having to deal with the same mistake ontwo occasions within such a small time frame. I usually send in XXXX check withXXXX payment coupons along with BOTH account numbers on my check. Now Ihave had to resort to sending XXXX separate checks with accounts written on themalong with XXXX payment coupons. Hoping to have this resolved soon, definitelyready to take my mortgage elsewhere & happy to share with others the VERYpoor service I receive from PNC, I am very disappointed.
Consumer complaint received 2017-02-16
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: GUARANTEED RATE INC. (FL)

My wife and I have applied for a mortgage and were approved in XX/XX/XXXX with the company " Guaranteed Rate '' to purchase a new construction home. The house is completely built and finished - I have verbal and written confirmation from the builders, inspectors and realtor that the house is finished and ready for closing. We have earnest money ( {$25000.00} ) already given to the title company. However, XXXX XXXX from " Guaranteed Rate '' who has been working on our loan for almost one year is still repeatedly requesting for the same documentation that has been submitted multiple times to her since XXXX XXXX. XXXX XXXX also advised us to sell our house ASAP and our old house was sold in XXXX XXXX. Our living arrangements have been complicated for the last 3 months and very challenging since I also just had a baby last XXXX. We will be out of a place to live by the end of XXXX. We were promised a closing date of XXXX XXXX, XXXX ( 1st time ), XXXX XXXX, XXXX ( 2nd time ), XXXX XXXX, XXXX ( 3rd time ) and now XXXX XXXX can not give us a closing date - SHE is the last link we are waiting for to close and move into our new house. We respectfully request assistance with this urgent matter. 
XXXX XXXX from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Loan Coordinator ) from Guaranteed Rate - tel : ( XXXX ) XXXX, email : XXXXXXXXXXXX XXXX XXXX ( Corporate CEO ) for Guaranteed Rate - tel : ( XXXX ) XXXX Sincerely, XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX XXXX XXXX ( XXXX ) XXXX
Consumer complaint received 2017-09-26
Product: Money transfer, virtual currency, or money service — International money transfer
Issue: Wrong amount charged or received — 
Company: JPMORGAN CHASE & CO. ()

Good morning, on XXXX XXXX, 2017, I made an international transfer in the amount of US {$21000.00}, from my savings account in the XXXX XXXX to my savings account of CHASE Bank, the International Transfer department of CHASE registered the amount of US {$20000.00}, lowering US {$25.00}, amount not authorized to deduct from the transfer, since they only have to charge a commission of US {$15.00} and after crediting the amount sent. This is an illegal practice of this Bank.
Consumer complaint received 2017-01-14
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CA)

I Inquired about a refinance of my home with Quicken loans. I was told my interest rate would be 3.5 % and my closing costs would be {$2500.00}. I received in the US mail documents for me to sign showing that my loan costs were over {$4900.00}. I was asked to give a {$500.00} Depost for the apprasial. I have had no apprasial done as of yet and I have cancelled my loan with Quicken. I want my deposit back as I was mislead about the amount of closing costs. I originally spoke with XXXX XXXX # XXXX. I feel he lied to me to get a {$500.00} deposit. He also told me the {$500.00} would be deducted fromy closing costs. The paperwork does not reflect my deposit. I feel scammed. Now that I want out of this loan, nobody is communicating with me regarding this matter. Quicken Loans operates a scam to get people to pay {$500.00}.