davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (OH)

There is a class action suit going on at this time - but my situation is after the time period that the lawsuit is for. XXXX v. PNC Bank, N.A., well this settlement settled nothing. PNC is still continuing their practice! I ca n't file in the suit since this is happening to me NOW. I have been dealing with PNC for 2 months now. Our area just got mapped as a flood zone ( XXXX XXXX ). I was notified that I had to purchase flood ins for the VALUE of house. I contacted the XXXX county tax area - my home structure is worth {$160000.00}. My balance is {$210000.00}. I purchased insurance for $ XXXX-more than the value ( there first letter stated that I needed to purchase flood insurance for the value of the structure ). I notified PNC - have copies of letters, faxes, contact people names. I was told they would look into value and notify me by mail on XXXX XXXX, per XXXX XXXX, Loan Support Analyst, XXXX XXXX - Flood Servicing, XXXX XXXX XXXX XXXX, PNC XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX ( p ) XXXX | ( f ) XXXX. I received a letter today, XXXX XXXX, 2016 - acting like I have totally ignored them -and they purchased additional insurance of {$23000.00}, which is more than the value of the home OR MY balance! Charging me {$140.00} - I have already paid out {$450.00} additional monies over my homeowners insurance for this special flood insurance. PNC is TERRIBLE to work with - I just keep getting transferred to one dept to another dept - the rep telling me - they do n't handle my issue. I have spent so much time on the phone and on letters and emails. I am totally frustrated. Is there anything I can do?
Consumer complaint received 2016-02-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NY)

I was able to find a buyer for my home and my XXXX mortgage with XXXX was kindly enough to approved me for a short sale, so I do not have to lose my home in a foreclosure and still be liable for a deficiency. Now PNC the holder of my XXXX mortgage is acting in bad faith, by asking and asking for more documents. XXXX is willing to give them {$5000.00} to settle at the closing of my home. Which is something very common for a XXXX mortgage to settle for a lesser amount. Because if my home goes to foreclosure more likely they will not be able to collect anything. I have been very patient and I have provided them numerous amounts of documentation even more then for my XXXX mortgage. They are holding the closing of my home by not accepting the {$5000.00} XXXX is willing to give them. PNC is making my buyer walk away from buying my home. I am requesting your help, because PNC is not acting in good faith, they are making this process unbearable. Please help me. I am an XXXX person and I already have enough problems and I will like this headache to go away.
Consumer complaint received 2015-12-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (NY)

pnc bank bought the original lone from XXXX XXXX my loan is going back to 2002 payments were made correctly every month all of a sudden I get a letter the loan is due in full I made numerous phone calls to a man by the name XXXX XXXX to whom the bank said I can only talk to him and demand to show me why the loan is due as of today I still did not get it at the end on XXXX XXXX I paid of the loan in full to add insole on injury pnc bank goes & reports on XXXX XXXX as a 60 day loan
Consumer complaint received 2017-01-18
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MONEY SOURCE, INC., THE (CA)

A copy of the email I sent to Money Source and as of this writing, I have not received a response. 
Is it legal to add more $ $ $ to the property tax for escrow when the property tax did not go up and the amount was correct on the final docs? When prior to refinance all the amounts were correct but after refinance the amount is not correct. My property taxes are {$4500.00} for the year. 

Spoke to a representative on the XXXX XXXX, 2016 who said the amount will be adjusted to reflect the correct amount of property taxes being for escrow. When called today the representative stated someone overrode it. 
I refinance in XXXX 2016 with the same company, TheMoneySource. 
Below reflects prior to XXXX 2016 and now : 3.875 %. 3.25 % Principal {$580.00}. {$570.00} Interest. {$1100.00} {$950.00} Escrow. {$660.00}. {$890.00} Total. {$2300.00}. {$2400.00} Final docs : See attached few pictures There are XXXX pages with different figures for the estimate which I asked the notary and since the correct amounts were on other forms of the documents she figure it was a mistake Ridiculous. Instead of more money going to principal someone added it towards my escrow ( taxes and insurance ) and my taxes did not go up. I 'm paying more
Consumer complaint received 2020-04-17
Product: Payday loan, title loan, or personal loan — Title loan
Issue: Struggling to pay your loan — 
Company: 3rd Generation, Inc. (TX)

They call everyday with harassing threats and are very combative after making an agreement with them to make a payment on a certain day, due to hardships the payments are late. But I make agreements with them on a Monday to make the payment on Friday and get calls everyday till the day arrives. They are rude and hang up if you tell them about the agreement that was made. Then make threats of repossession. This is the worst customer service ever.
Consumer complaint received 2015-11-07
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LD Holdings Group, LLC (GA)

Mortgage service " Loan Depot '' has not applied timely partial payments we have made to them under the terms of the loan contract or follow FTC rules concerning how payments are applied. This scam is to delay the payment application to well past the late due date and then charge a {$81.00} late fee, which is detailed in the " Loan Statement '' under " Transaction Activity '' and the activity is outlined in item XXXX on the back of the " Loan Statement '' in section " Payment Information ''.
Consumer complaint received 2015-06-22
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: GUARANTEED RATE INC. (GA)

I have bill pay set up to pay my mortgage monthly to Guaranteed Rate. I have made XXXX payments, and both have been posted and mailed from my account according to my bank XXXX. Guaranteed Rate claims to have not received the XXXX payment, while XXXX has verified that the payment has been sent. Guaranteed rate now has listed my account as delinquent, and charged me a fee of XXXX {$.00}
Consumer complaint received 2016-09-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: COMMERCE BANK (MO)

On XXXX XXXX 2016 I closed out my checking account Commerce Bank on XXXX and XXXX downtown XXXX MO with the manager XXXX XXXX bringing my account to a XXXX balance this concluded my business with the bank of 7 years on good terms. XXXX the XXXX Commerce Bank took it upon themselves to reopen my account and honor several auto payments with merchants without my permission. Now the bank is trying to come after me with overdraft fees and what is now in negative balance of over {$200.00}. I did not intend to pay the merchants which was my reason for closing my account. By reopening my account without my permission is fraud on a very high level. Upon trying to speak to them about the situation I was met with a rude condescending and gangster like mentality please help. Clearly the bank made a mistake and how they closed out the account causing it to be able to be reopened and funds taken out that did not exist. Now they expect me to pay for their mistakes. Please help thank you.
Consumer complaint received 2015-11-21
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Ditech Financial LLC (CA)

Since 1999, my condominium mortgage loan has been re-sold several different times, to several different companies. Right now, it is with DiTech. DiTech does not just send me my monthly billing statements, however. They also send me " sweepstakes offers, '' " refinance offers, '' etc. I have told DiTech ( & before them, GreenTree ) numerous times that I do not wish to refinance. I have told them this by mail, & by phone. I am also on the " OptOut List. " DiTech sends me their " offers '' in a white, blue & red envelope that looks just like the U.S. Postal Service " Priority Mail '' or " Express Mail '' envelopes. On the outside of the DiTech sweepstakes envelope, it states : " Time-Sensitive Information, '' " Urgent, '' " Tracking Code, '' & " Confirmation of Receipt Requested. " I feel that DiTech is trying to scam seniors, or those who may be confused, with their " DiTech Home Loan Sweepstakes '' envelopes & mailings. I am filing a complaint with your office, as I want other people to be aware. Thank you for your time.
Consumer complaint received 2015-12-24
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (CA)

On XXXX XXXX 2015, JP Morgan Bank deducted without authorization from my personal checking account {$300.00} listed as an ACH payment to XXXX XXXX. I have never authorized any ACH payments from my account. I have never used the Debit card to make a debit purchase in the years I have had the account with Chase Bank. On XXXX XXXX, 2015, another {$500.00} was deducted from my account without authorization as a new ACH payment. On XXXX XXXX, 2015, while depositing checks, I ran a statement of my last XXXX transactions from the ATM and received a print out. I went into the branch and alerted the bank to the fraud. The fraud division at Chase did not answer the phone for 28 minutes even though the call was from the branch. After several calls on the morning of XXXX XXXX 2015, I received the information that anyone with my checking account number and routing number ( which is on the face of every check ) can withdraw money from a person 's checking account in any amount! No written authorization from me, no notice to me of the withdrawal from my account. Nothing. Robbing people 's money at Chase Bank is as simple as taking the account number and routing number and submitting an ACH request to the bank. Is there no surety bond for a party taking an ACH. 
Is there any background check on the party requesting an ACH? I wonder if my XXXX year old mother would recognize an ACH debit from an organization that appears to be a utility bill ( in my case XXXX XXXX ) or an insurance bill ( XXXX XXXX XXXX ). 
This is the easiest method to rob the elderly and the majority of Americans who do not pay attention to their accounts. 

What has government done to stop this looting of accounts? It appears very little has been done. What is the purpose of CFPB if it can not protect the basic checking accounts of citizens. What is XXXX XXXX doing about this looting of accounts by simply submitting ACH requests? Does XXXX XXXX have the personal fortitude to correct this problem? Senator XXXX XXXX fought for XXXX XXXX to be head of CFPB - I am hoping that XXXX XXXX has the personal fortitude to make a difference in this matter and make his parents proud of his actions -- not just of his title as head of CFPB and his salary and benefits.
Consumer complaint received 2016-07-31
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (WA)

The current servicer of my mortgage loan ditect finicial has refused to provide the mortgage servicers number and office or person of contact in the state of hawaii in accordiance with hawaii state law for mortgage servicing companies. Has failed to address issues with mortgage documents. XXXX different sets provided by them to me XXXX with a stamp of XXXX XXXX without. Have failed to provide orginial ink signed documents that would show that the XXXX page arm note isnt forged. They where and have been rude on the phone threatened to hang up. Said that my credit will be damaged and they intend to do so. They have failed to address any concerns I have as borrower. They continue to send bills even though it is in foreclosuer and no acceleration letter was sent in the first place. They have failed to provided me contact information of the lender to this loan. They have failed to provided if there is even a lender. That they should contact XXXX and address that a trustee foreclosing on the property is not proper as a trustee is not a lender and cant provided or attempt an alternative remmeedy to foreclosurer. Have failed to discuss by phone or in person what alternative solutions there moght be and what those entale as to credit score, pay back, pentalties, ect. That sending paper work to fill out after XXXX doing the same. That they have the ability if the loan is paid off to give me free and clear title not just someone saying that o yeah we can but actuall proof. They never have provided notice of interest rate increase and reason or proof to why it has increased but they have just raised it. Continued slander and deffermation to my character, credit score and worthiness, and abolity to aquire normall living standards due to the impact of this forecloser and credit reporting of deliquency.
Consumer complaint received 2017-04-30
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: Experian Information Solutions Inc. (MI)

On  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TX  XXXX   XXXX  inputted a credit inquiry on my credit report without my authorization.
Consumer complaint received 2015-09-26
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (TX)

Greentree/Ditek have been loosing paper work not uploading it and saying they can not do HARP mods but can do in house. I am XXXX a XXXX vet XXXX my wife passed two years ago cutting my income in half. They say they are trying to help but there actions show othrreise. They continur to charge late fees and when I pay they apply to late fees generating more fees. I am at 8.75 % and they want to keep me there. I have had an on time payment history for 10 yrs till my wife died I spent down my savings know the would rather foreclose brcause its better fit thrm so put a ,XXXX year old vet in thr strret
Consumer complaint received 2016-06-24
Product: Credit card — 
Issue: Other — 
Company: DISCOVER BANK (LA)

Discover is reporting information on my credit file that is not only inaccurate but illegal. First of all they are reporting information different information between XXXX and XXXX. Secondly, I 've requested records for the history they are reporting and sent the request via certified mail, and they 've yet to reply. Thirdly, I 've disputed the information on 3 different occasions and they continue to verify and/or even add more illegal inaccurate information to the reporting rather than fixing the issue. I have complained to the CFPB on XXXX and XXXX for allowing the information to be reported and XXXX has stated that their job is to report whatever the furnisher tells them to report whether the information is inaccurate or not they ca n't change it unless Discover changes it. This has been ongoing now for years and has only come to my attention the last few months. This means that this information has cost me tons of money in interest on other accounts that have been opened since this reporting and is currently costing me credit denial. On XXXX XXXX, XXXX I sent a request to Discover via certified mail requesting billing statements because they were n't fixing the fixing the issue. I 've yet to hear from them to this day. They have been given ample opportunity to fix their reporting and instead have chosen to update with even more inaccurate information and plug more late payments in when they are not supposed to. You will see in the information provided as evidence the updating they 've done over the course of me disputing the information and how they 've changed and added information that is completely inaccurate. To me it looks as though they are doing this on purpose with intent to harm my scores and they 've cost me enough money and enough of my time. Discover charged the account off XX/XX/2011 and they continue to report the account as a charge off until XXXX XXXX where they then decide to plug in 180 day late payments for the next several months then report the account as a charge off again in XXXX XXXX with XXXX but with XXXX they report the account late in XX/XX/XXXX and XX/XX/XXXX the report the account as a charge off for a month, then go back to reporting the account as 180 days late then go back to reporting the account as a charge. Discover actually updated that information to XXXX when I disputed the account because originally they were only reporting the charge off in XX/XX/XXXX, then the 180 day late payments beginning XX/XX/XXXX and ending in XXXX XXXX then charged off again. BUT the most recent dispute, the updated the account to reflect 180 days late a second time after the they had already charged it off on two other occasions. All of this is Ludacris.
Consumer complaint received 2016-11-21
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (CA)

I paid off the first mortgage loan on XXXX/XXXX/16 to US Bank Home Mortgage. I am owed escrow actual funds in the amount of {$1500.00}. I have contacted the bank on several occasions without any success. The staff states that a check was sent to us and it was returned to them as undeliverable. We did not received a check. Then the staff states that they need approval from XXXX to reissue another check. To date, he has not responded to his staff emails.
Consumer complaint received 2017-01-21
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (TX)

I have been paying on my student loan for 7 years now. About a year ago I had spent 2 hours on the phone with a employee to get my payment down. He came up with a plan which I could afford. The next month I got an email saying that my payment was not paid. I was on auto payments. So I called and was told that the information that was given to me about how much I would be paying was incorrect and the gentleman I had talked to " did not know what he was doing '' I then talked with a supervisor that was so completly rude. He told me that he could not get my payments that low and I was crazy thinking that he could. He then told me that I better accept his offer or he was going to hang up on me and not help me at all. I was in tears as to how he was treating me. He was so incredibly rude and unprofessional. I was XXXX at the time and was about to be a full time XXXX. Which is what I am now. I do still continue to pay my loan at {$270.00} a month. I just needed to share this terrible experience and I wish I could remember his name to this day or wish I would have called and complained at the time, but unfortunately I was tired of spending so much time on the phone with this company. I hope that things will improve with Navient and they will have supervisiors that are more professional. Thank you for your time.
Consumer complaint received 2016-01-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (TX)

My loan servicer was transferred effective XXXX XXXX from XXXX ( Sterns Lending ) to XXXX. I never received notice of this transfer ; I therefore logged on to the original servicers website on XXXX XXXX and made a payment. I received an e-mail confirmation of acceptance for that payment. On XXXX XXXX, 2016 when the money had not been debited from my checking account I called to follow-up. It was at this point that I was made aware that my loan servicing was transferred as I never received the paperwork in the mail. There was NOTHING on the website notifying me of the loan transfer and I was allowed to submit a payment on XXXX XXXX, 2016, the date of the transfer. The individual I spoke to said that they would transfer my payment to the new servicer within 10 days. At this point I call the new loan servicer, XXXX, and via automated message on XXXX XXXX am notified that they do not have my loan information. I waited for more than 10 days and still no payment debited from my checking account. Additionally, the new loan service had called twice asking me why I had not made my payment for XXXX. On XXXX XXXX I again call the original mortgage servicer. On this call I am told that no, they will not be debiting my checking account for the payment even though I received a payment confirmation. Per the CFPB, the servicer should either transfer the payment to the transferee servicer for application to a borrower 's mortgage loan account, or return the payment to the person that made the payment and notify such person of the proper recipient of the payment. In my opinion neither of these actions occurred as the original servicer never once notified me that my payment was in fact not accepted ( although I received an electronic confirmation of acceptance ) and thus due to the non-acceptance needed to make my payment to the new company. Only though my own continued calling was the correct information eventually provided.
Consumer complaint received 2015-09-03
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

Last year, I was experiencing some financial difficulties paying my mortgage with PNC due to job layoff. An attorney contact me from California stating he could assist me in getting my home refinanced at a lower mortgage rate under the HAMP program which did not occur. Instead, I was given an extension on my loan to pay it out for a longer duration under HAMP. Up until this time, I had NEVER been late on my mortgage. Since then, I have been harassed by the PNC collection department, every month that roles around about paying my loan which is not late. I pay my loan every month and it is not late. Last year, I was harassed daily 7-8 times each day by their collections department and it affected my health. I do not know how to get this stopped, but there must be some law in effect that would be helpful to me. I know I am not the only person experiencing this treatment, as I have spoken to others who are also PNC mortgage holders contacted by the same lawyer who called me about the HAMP program. If I am not LATE on my mortgage with PNC, then I should not get calls. It is just unnecessary harassment and stress that I do not want or need in my life and want it stopped!!! Hands down PNC BANK is the WORST mortgage company I have ever dealt with and I have owned several homes in my life. No one should be subjected to this kind of treatment! It is in human and they need to be held accountable!
Consumer complaint received 2022-07-05
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. (TX)

In accordance with the Fair Credit Reporting act XXXX  THE FOLLOWING ACCOUNTS ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  have violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.