davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (WA)

My mortgage servicer, PNC Mortgage, sent me a series of letters notifying me that my flood insurance coverage was inadequate. Dating back to XX/XX/2015, I have called PNC XXXX times to straighten this issue out. I have had my agent, XXXX, arrange to send flood declaration pages at least XXXX times, ( dating back to XXXX XXXX, 2015 ) showing adequate coverage, which must be at least as much as my home owner 's coverage ( see attached documentation ). During the XXXX phone call ( XX/XX/2015 ), I was assured the problem would be taken care of and, I was promised a return call to let me know that the issue was resolved. I did n't receive a phone call, and instead on XXXX XXXX, PNC charged me {$140.00} for gap insurance that I do n't need. The only notification I received was a copy of the force-place policy in the mail.
Consumer complaint received 2017-03-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: U.S. BANCORP (CA)

Today, XX/XX/2017 I received a missed call from an ( XXXX ) telephone number. There was no voicemail left so I returned the call. Once on the line, the collector verified my name and proceeded to inform me of a " debt. '' Throughout the call we went back and forth regarding Paying of said debt where I informed him that I did not have any money to do so. Nor did I plan to pay off the debt at all. He then threatened to escalate the matter to the companies legal team. I began to back pedal and explain to him that I never put right said that I will not pay but that I am considering why I should pay. He then started to speak to me in a condescending manner. At which point I asked if this call is being recorded, and he replied yes. I then asked why he did n't tell me at the beginning of the call nor did he tell me this communication is an attempt to collect a debt and any information obtained will be used for that purpose. He began to explain to me that his company has a different way of addressing the mini Miranda and that it does not have to be stated exactly that way. Yet, it was never stated. I only knew we were discussing an alleged debt. I got angry and hung up.
Consumer complaint received 2015-05-07
Product: Debt collection — Mortgage
Issue: False statements or representation — Attempted to collect wrong amount
Company: U.S. BANCORP (GA)

I have been a customer of US Bank for over 15 years, My mortgage is due on the XXXX of each month, but not past due until the XXXX of each month. I refinanced my home with them a few months ago, now I get collection calls starting on the XXXX of the month and multiple statements showing a past due amount, when in fact, nothing is past due. I have gotten over XXXX calls from their collections people in the past 2 days, even after I called them and told them that there is nothing past due.
Consumer complaint received 2015-08-03
Product: Credit card — 
Issue: Delinquent account — 
Company: U.S. BANCORP (PA)

I 've had the US Bank XXXX business card for several months. For several months ( despite me spending hours on the phone trying to fix it each month ) when I log into my online account my balance appears as XXXX and there is no way for me make a payment if I wanted to. Each month I log in and see no balance due, then a couple weeks later I receive a letter in the mail tha my account is delinquent. I call, I get a run around on why I ca n't see my account online, and no on has been able to fix it. I 'm transferred between customer service and web support between personal reps and business reps, etc. This is clearly a deceptive practice as they are showing me my account is on time and paid in full, but then they tell me it 's not.
Consumer complaint received 2017-02-27
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (WA)

Over 12 years ago I got married and went to my local US Bank branch to change all my accounts from my maiden name to my new married last name, so I thought? 
Apparently they never updated all my accounts I was told because when I recently had a credit check run to purchase a new home. I was told that I had a debt that was being sent to collection against My US Bank Premier Card for over draft protection on my checking account. I called US Bank to find out what was going on and why had they not sent me a bill for my overdraft protection services. After speaking with multiple bankers and spending hours on the phone trying to figure out why I was never sent a bill, we discovered they still had my maiden name on the account. I had not used the overdraft protection for years and yet the Overdraft Protection account was stated on my monthly banking statements that were sent to me my married name every month. I was told by US Bank customer service that they must not have got my address updated 12 years ago to reflect my new married name. So i asked if I could get my name changed so I could get the statements for that Overdraft protection accounts corrected so I would receive the statements. I was told I could not change my last name with the customer service representative, that they had to send me a form out in the mail to do just that. 
Problem being that all my mail is being forwarded to my winter location so that would mean that the form would not get to me because of the name being My maiden name on the mail and not my married name of which all my mail is being forwarded to me by. So I asked can you send the form direct to my winter forwarded address so it will get to me because mail with the incorrect name will not be forwarded to me. They said they could not send me the form so basically they could not correct my name so I could get my statements sent to me with the correct name so I would have been able to get the mail that had been being returned back to them due to incorrect name. I paid the amount I owed them and asked them to close my overdraft protection account because they could not correct my name for future billing statements. I can not believe with all the information on my statement that they could not help me to fix this issue due to US Bank not getting my name changed like I requested 12 years earlier. 


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Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (NJ)

I have dealt with Navient Since 2015 when I got current with my student loans I started paying them. I got a different payment play every month I refused to put my account on auto draft. They put me on a placed me on a income based plan paying {$56.00} the next month my acct was autodrafted over {$100.00} when I called back the agent told me they took me off my income based plan because I did not qualify then they had me pay {$72.00} then it went up again to {$150.00} I went up to a supervisor who told me I made too much last year even though I got married and supported my spouse who was unemployed. I went then on deferment for 6 months and now I am in school. I do not want to deal with Navient and their trickery because they do not have my best interest as a borrower in mind they just want money.
Consumer complaint received 2023-01-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: WELLS FARGO & COMPANY (OK)

We paid our account in full with Wells Fargo and closed the account. We were assured the account was closed. They lied and fraudulently left the account open. They proceeded to charge us a fee, not alert us a fee was due, and then charge off the account when we failed to pay the fee. This fraudulent activity has been negatively impacting our credit since XXXX. In XXXX of XXXX Wells Fargo sent us a check and a letter stating that " During a recent review of your account, we identified that an overdraft protection transfer from a linked account may have processed in an unintended manner. Fees, interest, or both related to this transfer are being refunded. As a result, we are enclosing a check in the amount of ( the full amount they claimed we owed ). We apologize for any inconvenience this caused. '' In XXXX of XXXX we filed our third dispute with the credit bureaus to get this taken off our history and Wells Fargo is still refusing to remove this admittedly fraudulent information from our credit report.
Consumer complaint received 2015-07-09
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (IL)

I am submitting a complaint in regards to my personal checking account with US Bank. My account was overdrawn twice between the dates of XX/XX/XXXX. I made a deposit on XXXX XXXX and the balance in my checking did not appear as more XXXX on that date and nor did the daily text alert on my phone registered as my account being overdrawn more than XXXX. The following Monday on XXXX XXXX I check my account it seen it was overdrawn by XXXX and I check the transaction and notice the discrepancy. I contact to US Bank and spoke to a representative I which he refuse to waive the overdraft fees stating it was valid. When I explain to him I was not given the correct balance information from the ATM machine and daily text alert. He informed the text alert is not real time information but up until that date every representative assure me it was. I encounter this same problem back in XXXX of this same year, and when I went into a branch a banker waive the fee once I show him the information I have received as far as account balance. The representative informed me to go into branch for farther assistance. I went into a branch located in the downtown area of XXXX, Il. I spoke with a Branch Manager after XXXX minutes of digging through my account and asking me various questions that did have not anything to do with the issue I present to her refuse the waive the fees due to the discrepancy and through to admit it was a valid discrepancy. She proceed to tried to sell me a line of credit and than a secure credit card, which I found to be distasteful at the least. I think it was unfair not to waive the XXXX overdraft fees and especially after the branch manager herself stated it was a valid discrepancy but stated if they refuse to do it over the phone I am not doing it neither because you had XXXX in overdraft fees waive within a year which I know to be untrue. I had to file a fraudulent claim in XX/XX/XXXX and still have the documentation to support it.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (IL)

My husband passed away 18 months ago. I applied for hardship on the mortgage due to a drop in income ( it was approved by PNC ). My payment is due on the XXXX. I pay it on the XXXX, in person because that 's when Social Security comes in. I get call from their collectors on the XXXX, XXXX or XXXX saying I 'm late and that they will foreclose on me. It 's always paid by the XXXX and never in a default stage. I 'm XXXX and I think this is harassment. 
They even call on the XXXX after I made the payment on the XXXX. They do n't check!!
Consumer complaint received 2017-03-13
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (TX)

I have tried 3 times to get someone to assist me with my questions and concerns with my escrow account. Stearns Lending LLC has failed with my email request as well as my phone conversation that I 've attempted twice. Customer service gives me the run around and states that the information about my escrow account can be found on their website. I want to have my escrow account reanalyzed for the current year, as i feel there is a significant overage. Ive attempted this request three times with no response or resolution.
Consumer complaint received 2015-10-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FMA Alliance, Ltd. (TN)

Company keeps hounding me for info about my son. He is XXXX yr. old and has been gone from home over XXXX yr. He lives more than XXXX miles from me. I am not giving info about him to some rude dude over the phone. Told them SEVERAL times, I am on the DO NOT CALL registry. Please help The callers are from FM Alliance.out of Texas.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (NJ)

I took out federal student loans such as direct unsubsized, direct sub stafford loan, federal plus loan, direct unsubsized consolation loan to attend the XXXX online. I also cosigned a direct parent plus loan for my daughter to attend the art institute and institute of audio research. I consolidated the loans with the intention, of attaining lower affordable payments. My loan is with Fedloan Services with the U.S. Department of Education. Fedloan informed I am only eligible for the income-contingent repayment with monthly payments of {$1700.00} per month. I explained to them the payments are too high and my husband was not working at the time. When I asked them to recalculate my monthly payments they reduced to only {$700.00} which is my whole paycheck. I explained to them that I have other bills to pay. Again I tried to negotiate a lower payment, but the servicer wo n't negotiate. I have been paying what I can, but I still can not reduce any of the principal on the loan due to the interest compiling everyday. Currently, I am in forbearance because the payment amount is unbearable. I appreciate you assistance in this matter.
Consumer complaint received 2017-02-21
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: FMA Alliance, Ltd. (AL)

I 'M SICK AND TRIED OF XXXX SHARE MY INFORMATION WITH FMA ALLIANCE ABOUT MY DEBTXXXX DID NOT WANT TO DO WHAT I ASK THEM TO DO FOR ME.AND THEY MISSED UP MY XXXX. FMA ALLIANCE IN XXXX TX NEED TO LEAVE ME AND MY FAMILY ALONE.I DO N'T HAVE XXXX. JUST HAVE XXXX AND XXXX.I WANT TO QUIT CALLING US PLEASE AND THANK YOUR HELP.
Consumer complaint received 2016-04-05
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: PNC Bank N.A. (IL)

I had a car loan through PNC and after being talked into making them my primary bank, opened an account with them. On two separate occasions, several months apart, they initiated payments from that account as I was behind on my payment ; but the funds were not available on either occasion and they generated overdraft fees. I choose to no longer keep funds in the account and switched my direct deposit back to XXXX. The account was a requirement for payments on my car loan so I maintained, but they started charging monthly charges which I was not going to pay. Rather than reverting the account to the free account I had initially requested, they charged off the account. While all this was going on I entered my final semester in college and had trouble obtaining my financial aide and was again behind on my payments. They contacted me when I was 2-3 months behind on my payments ; I attempted to inform them that I would make a partial ( half-month ) payment, followed by a repeat of the same in 2 weeks, and a full payment on the next due date to reduce my delinquency. I was told that only a full payment would be accepted and that repossession would be attempted. No resolution was reached. When I received my financial aid a month later I attempted to make my account current. The checking account had been closed and I had no path to make my payments. I called the local branches on multiple occasions, was connected to non-local branches on multiple occasions, went into the local branch, called the auto loan branch and there was no one willing to accept my payments, nor to simply reopen the checking account to let me then post my payment. Just short of two months later the car loan was closed in a defaulted standing. When approached by the auto loan/reclaim department of PNC, I was offered a repayment offer that would give me a lower monthly installment ( & lt ; $ XXXX/month ), which was not much of a shift from the original setup ( $ XXXX/month ... I always made payments of $ XXXX/month ). The intent was to " reboot '' my loan, while not removing any of the default reportings on my credit. So go back to the status quo, but have a far less chance of refinancing with another loaner to get away from those that I now had sour business dealings with. I opted to make no payments and not divulge the location of my vehicle and now 2 years later ( with no payments! ). I approached the bank with a settlement option, {$3600.00} on the $ XXXX+ that was the remaining balance, no interest would be accepted on my part as I did not feel it was fair or in my best interest to include them in the base evaluation. My account has now been reported as paid in full on my credit report.
Consumer complaint received 2015-08-17
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

PNC Mortgage sent {$1500.00} to an insurance company in XX/XX/XXXX and then sent another payment to another insurance company in XX/XX/XXXX fro {$1300.00} and then another payment in XX/XX/XXXX for {$1400.00}. 

Some one was XXXX paid and they ca n't / wo n't tell me how to get my money back!
Consumer complaint received 2016-02-17
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: PNC Bank N.A. (OH)

I pay rent every month for my off-campus college house, collecting rent from my XXXX other roommates. At the end of every month, I deposit {$2800.00}, collected from my roommates, into my checking account to pay rent. In XX/XX/XXXX, my roommate was late on his payment so I transferred {$530.00} into my checking account to cover his portion of rent. When he paid me in cash a few days later, I deposited the money into my checking or savings account at a PNC branch location. When I went to pay rent a month later, I noticed that the {$530.00} deposit made in XX/XX/XXXX was missing from my account. I opened a dispute with PNC and their department said they could n't find anything. I asked if they could do anything further and they said without a deposit receipt, there was nothing else that could be done. I proceeded to ask, " If I handed a teller {$530.00} in cash and did n't receive a deposit receipt, then that teller could essentially walk away with {$530.00} and I ca n't do anything about it? '' Their answer was " Yes, that is correct. '' I found this to be very upsetting because, as a college student, {$530.00} is a lot of money. Their only solution was to find the deposit receipt, which I did n't have.
Consumer complaint received 2016-03-22
Product: Mortgage — VA mortgage
Issue: Settlement process and costs — 
Company: ARVEST BANK GROUP, INC. (AR)

On or about XXXX/XXXX/16 and offer and acceptance was asked and granted on real estate in XXXX XXXX XXXX. The loan is a VA and loan application for property was submitted to Arvest Bank in XXXX XXXX, XXXX. The problem begins here ; the VA appraisal request was submitted to the VA Regional Office in XXXX, XXXX on XXXX/XXXX/16 and was due back by XXXX/XXXX/16. As of this date XXXX/XXXX/16 it has not been submitted to the bank or the VA, even though XXXX XXXX, and XXXX XXXX were on the real property, inspected the home and outlying buildings on XXXX/XXXX/16. The bank misspoke when I was told that the request for VA was given on XXXX/XXXX/16 for appraisal. The situation has cost me money, delayed shipping/moving problems with contract carrier, storage costs and extension of money spent in an apartment without hardly any of my household goods, including limited clothing. All of the belongings are in storage. The seller is having the same problems. 
The appraiser, XXXX XXXX and XXXX XXXX need to be dealt with. I have left several messages ( XXXX XXXX XXXX ) XXXX. XXXX XXXX XXXX XXXX XXXX to no avail. They have not returned any calls. I have filed a complaint with the VA in XXXX and assured me that the appraisers have violated the time constraints established by their dept. The bank, Arvest has not been forthcoming in their communications with me and are of partial fault in my thinking, due to a lack of communication and misspoken facts on the loan time and closing date. It was originally to be XXXX XXXX, 2016.
Consumer complaint received 2016-05-26
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (MI)

I applied for a primary mortgage refi w quicken loabs XXXX this tear 2016. They told me on a number of occassions I was approved and even had conditional approval on their website under my application. For weeks I was told to expect someone calling for a closing date and all that would happen us a request for another payment I made or account I paid off. The debts that were clearly paid by my company were rejected by quicken. How can they include the monthly debt but not the income from my company that clearly pays it every month?
Consumer complaint received 2015-11-04
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (OH)

I called Quicken Loans to ask a question about a mortgage- The customer sales person asked me for my name etc. before I received an answer to my question! Unbeknownst to me my credit score was impacted because of a " Hard Inquiry '' - It does not seem right to have your credit score come down, when your just want a question answered about the company in question services! 
Your question " Which part of the mortgage process is your issue related to? '' Does not apply so I put Applying for a loan - which I am not or did not!
Consumer complaint received 2015-05-29
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Focus Holding Company (CA)

I received continuous calls from Focus Receivables at XXXX. I have asked them time and time again to remove me from their automated calling system and 1 year later I still receive calls. They said I am not the one they are looking for and will remove me from the list and then 2 days later another call or XXXX comes in. Now they just hang up on me before I have a chance to talk to a real person, but they wo n't quit calling. They need to stop harassing people.
Consumer complaint received 2015-09-24
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

About two years ago I visit my local US Bank branch in XXXX CA to open an account, while I explained to the banker thatI am here in US few month out of the year, and I only want to open an account that does n't charge me any fee, the banker has assured me that there will be no charges, I was out of the country for a year and had no access to check my bank or statements, they have started charging me dormant fee {$5.00} due to inactivity of the account. Now that I have visited my local branch they have charged {$57.00} fee and they are not returning this money claiming that this money goes to the goverment. I am a senior citizen and on a fixed income. This transaction was illegal and not authorized and they claim that this is a government fee, and not a bank fee, but they fail to provide an address of the government agency that this money went to. I like US. Bank to refund my money. 
This is taking advances of seniors on fixed income.