davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (VA)

To Whom It May Concern:
I am writing this letter in the hopes that I can get some sort of resolution of the issues that I
am presenting to you.  Over a period of years, my wife and I have acquired a few properties, namely our XXXX home which we decided to rent out, our primary residence and an investment property (XXXXplex) in XXXX and our home in XXXX.  The mortgage to these properties were financed through XXXX Mortgage.  At some point in time, theses were acquired by PNC Bank.  At the time of the economic downturn, I reached out to the banks to attempt either refinancing or modification of the loans.  My credit rating at the time was XXXX plus.  I was informed that in order to qualify I would have to be delinquent and that refinancing was not an option because I had more than XXXX mortgages.  We began the modification process and after a year of repeatedly sending and resending documents somehow I received a modification agreement on XXXX property.  By the XXXX month of trial period just before the modification would have begun, PNC abruptly closed the account.  They stated we had broken the agreement, which was blatantly false and would not offer an explanation or discussion on the matter.  The property was immediately sold at auction.  Thankfully we kept a paper trail in anticipation of being defrauded in this process.  We hired attorneys to help us navigate through the short sale process on our original primary residence.  PNC  delayed the short sale process for over XXXX months with a qualified buyer waiting.  This home was also foreclosed on, so now we are down to one last trial and tribulation with PNC.  Even with a team of attorneys we have been unable to complete the modification process for over XXXX years.  I attempted the process alone for 18 months without legal representation.  So for close to 4 years we have been in limbo with respect to our primary residence.   Imagine our surprise or lack of surprise when we received a $XXXX settlement from the XXXX for discriminatory practices.  These last XXXX years have been hell on my wife and me.  After reading our situation we hope you can help us get this settled, for you are our last hope.  Thank you for taking the time to read this and I hope to hear from you soon.
Consumer complaint received 2016-11-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (TX)

Part of my home was damaged by a tornado XXXX XXXX, 2015. My insurance company was quick to give me a fair settlement. The money went to PNC Bank for them to hold as the mortgage company. 
PNC Mortgage makes me beg for week after week to be reimbursed for repairs I have sent them cancelled checks for. 

PNC Mortgage refuses to reimburse me on a timely manner, I have to pay for everything out of my pocket, then wait for them to pay me, ,which has caused great financial harm to me, along with the stress of dealing with them.
Consumer complaint received 2015-06-17
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (FL)

Greetings, I 'm writing to ask, What good is the H.A.R.P program, if the banks all turn you down? If the object is to assist people, it sure is a lousy program. I 'm currently paying 7.5 % with payments at {$1100.00} a month, yet every bank I ask will not let me refinance due to not enough income??? I currently make about {$1300.00} a month income, and have not missed a payment since I took over the loan, yet no one will let me refinance to a lower rate, which will reduce my payments. I would love to be able to afford hamburger helper occasionally, instead of raman noodles and what vegetables I can grow in my garden. Time is running out on the program, I would like a refinance before that happens. 
I used Quicken Loans only as an example since its the most recent bank I approached, but this is the case with many places I have tried.
Consumer complaint received 2016-04-16
Product: Consumer Loan — Vehicle loan
Issue: Taking out the loan or lease — 
Company: COOLEY ENTERPRISES INC (TX)

I purchase a car from Clay Cooley on XXXX/XXXX/XXXX. On XXXX/XXXX/XXXX my car broke down. The company made me pay XXXX dollar for a loaner car in addition to my car note. They kept my car until for over a month without fixing it. Once it was finally fixed I ended up taking the car back 2 additional times for the same problem. On XXXX XXXX they traded me to another car. After having the new car only 3 weeks I had problems with it. I took it in they supposed to have fixed it and a week later it is now back in the shop. I have made all my payments on time and have continued to receive bad service. I still am not driving my car and I have requested upper management to get involved and arbitration but no one will help. The company will not remove the other car loan from my credit and I was told that I would get the new car for the same price as the old but they increased the price and made me pay for another warranty.
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: EQUIFAX, INC. (AR)

I have a collections account on my Equifax credit report that is incorrect. I disputed an account back in XXXX of 2016 ; from a company by the name of XXXX XXXX XXXX XXXX XXXX XXXX The account was removed on XXXX XXXX, 2016 because the company failed to verify the account or provide any contracts that I may have signed with them ; because I do not have a contract or agreement with XXXX XXXX XXXX, XXXX The account has since been added back to my Equifax report. According to state and federal laws and my rights as a consumer ; I am supposed to be notified within 5 days of the account being reinserted onto my Equifax report. I was not. I was also never given proof of a " verified '' account or contract that I signed with XXXX XXXX XXXX, XXXX Aside from all of the above, the statue of limitations are up on the account for the state of Arkansas and reporting to credit agencies. To go even farther, they are not authorized in my state. This situation is preventing me from being a productive citizen. It makes me look unstable and it is unfair credit reporting of an account that does not belong to me. I would like this item removed from my credit as soon as possible and all information pertaining to me be deleted between myself and the company.
Consumer complaint received 2017-03-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NM)

On XX/XX/2017 we sent the proceeds from sale of our previous home to LoanCare, " a XXXX company. '' Today, XX/XX/2017, LoanCare 's website states that our outstanding principal balance is {$32000.00}, down from an original loan amount of {$330000.00}. Obviously LoanCare received the priority mail envelope that contained a cashier 's check AND a cover letter requesting cancellation of PMI. [ Please see attachments. ] However, as of today our account information on LoanCare 's website states the next payment due is exactly the same amount as all previous payments. When I finally got through to a representative at LoanCare he said the request had not been processed but he would submit the request today 's date. He also said that the earliest we might see PMI cancellation reflected in the monthly amount due would be XX/XX/2017 but that it is unlikely that LoanCare will complete the process that quickly. Therefore, under the best case scenario we will have paid at least three months -- possibly more -- unearned PMI, which the representative said would not be refunded. 12 USC 4902 ( e ) ( 1 ) ) states that a servicer may not require further PMI payments or premiums more than 30 days after the date on which the written request was received.
Consumer complaint received 2016-07-27
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Armada Corp. (NV)

XXXX in XXXX XXXX, NV sent bill statements to my previous address where I used to live 6 years ago. I was n't aware until few days ago when I found a misplaced envelope which was from a collection agency ( Armada ) stating that they were hired by the XXXX company to collect a debt. The last time I visited the dentist was on XXXX 2015, about 5 years after I moved to my new address and as normal procedure they gave me a form to update all my personal and insurance information, they were provided with the update but apparently they never updated it in their system and there is why they sent bills to the wrong address. Today I asked them for a copy of the bill and it has the wrong address still. I talked to the managers and they told me there is nothing they can do, that I needed to handle it directly with the collection agency, but I do n't think this is fair because I was n't aware, they made the mistake and because of them I am getting wrong information on my credit report. At the time of my treatment I paid XXXX plus I used to have XXXX insurances, so I thought everything was covered and since I never received any bill statements I did n't know I was still owe some money. Please assist me in resolving this matter. I do n't think I have to be published by other 's mistakes. Thanks.
Consumer complaint received 2016-07-18
Product: Credit card — 
Issue: Payoff process — 
Company: DISCOVER BANK (TN)

Discover card allows users several options to make payment automatically on their website. 
1 ) Pay in full each month " 10 days '' before the closing date 2 ) pay the minimum on the statement due date 3 ) pay the minimum plus a fixed amount on the statement due date 4 ) pay an " other '' amount on the due date When i asked why i could n't pay in full " on the due date '', i got the following response on their chat : " So with the " pay in full '' withdrawal option, the withdrawal date for that is systematically set to process 10 days before your closing date, instead of the due date. The reason behind this is we know it 's important if you 're paying in full to have the reported to the credit bureau every month on your cycle. This is set in place so that if something happens with the payment, there is still time to correct the issue before it 's reported. Please keep in mind the withdrawal date can be changed. '' They further indicated that once the payment is set up, after 90 days you can change the date, presumably to the " due date '' of your statement. There does n't seem to be any good reason why these XXXX would be treated differently. 

I think they are just trying to encourage people to only pay the minimum payment or some fixed amount rather than paying their bill in full.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: SLM CORPORATION (OR)

I XXXX from the University XXXX, XXXX in XXXX with a degree in XXXX ( which has among the highest starting salaries for XXXX. degrees ). I was able to find employment about XXXX months after XXXX. I have a family with XXXX young children and have been trying to manage supporting my family and comply with the payments for the debt I incurred during school. I have no financial wiggle room for unforeseen expenses, which believe it or not have come up. I am making every effort to be up front with my lender about my financial situation and appropriately address my inability to make payments at this time. This major lender has provided a single contact number to which I am funneled to deal with this issue, and their representatives are unwilling to work with me and are basically forcing me to default on my loans. This will negatively impact my credit as well as my cosigner 's credit, and will increase the capital amount on my loans through late fees that will be applied. I very much would like to be able to pay my debt, and am trying to manage the situation the best I can. I currently have no recourse with which to resolve this issue, as the lender refuse to provide me with any option other than to default on my payments.
Consumer complaint received 2016-02-20
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: U.S. BANCORP (NY)

NEW FORM OF CREDIT CARD SCAM USING ONLINE XXXX. 
I would like to make a report. The popular websites known as XXXX where people search for jobs is now a medium through which scammers target US resident to work with them. I, m a victim along with others because I 've seen where they post about it. They represent themselves to you as owner of online XXXX XXXX. They go by various name such as XXXX, XXXX XXXX, XXXX and XXXX. They are very good at what they do. I was offered this project on XXXX. First they tell you that they are not tech savy so they would like you to build a website for them and create a new email for business. The salary is XXXX per week. Once all that is done they send you all kind of agreements and policy also they send you pictures of the painting. Once all of that is done you are required to create a merchant account with XXXX. XXXX and XXXX is the only companies these scammers use i dont know why. Once the accounts are created they ask you to process orders. They have a long list of credit cards information for XXXX of individuals who lives in the US. Ive seen in only on webcam because they interview you on hangout. You are then required to process 10 orders per day they provide you with the individuals information. Of the 4/5 orders only 3 successful the money one painting cost XXXX dollars. So thats XXXX per day to be deposited to the square account after that the company would deposit the money to out bank accounts. I found out before it was too late because i started asking question and i realize they did n't want to answer until XXXX of the deposit went to my bank account total of XXXX the next morning the victim of that scam call me i explain to her what happen she told me that she did n't purchase any painting so i sent her screenshot of all the conversation and the information given to me then i notify XXXX XXXX of whats happening. After all that i refunded the money to all the individuals Its getting really popular they only target person living in US i would love for the work to get out below is a link to two other persons it happen to as well. I have email conversation i have phone numbers i have the conversation as evidence please look into it. 
XXXX I made a report to XXXX about it and also made a report to US bank about it. I still have the individuals credit card information as well as evidence.
Consumer complaint received 2015-03-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (CA)

In my report is u.s.bank which I never used and it was reported as account abuse, reported on XXXX/XXXX/XX/XX/2011 the amount of XXXX I never put any type of money in that account or had any checks for it either, so I would like to dispute this file the routing # XXXX and the account # ends in XXXX
Consumer complaint received 2015-07-09
Product: Bank account or service — Savings account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (OH)

My saving account was closed and XXXX opened another checking account. I received a letter XXXX letter sent XXXX ) stating it was closed because of over use. I transfered moneys from saving to checking. I went to the bank and they closed the second checking and opened another saving. I was told I had a small window of time to change my direct deposit to the other account, but my payroll check will still be deposited. Well today XXXX my payroll check was not deposited and I have direct bill pay set up. and no money in my account. I called my company pay roll and was told they wo n't be notified until Tuesday that the money was returned and a paper check will be issued and sent XXXX. I talked to the bank they will credit me the return check charges, but no overdraft protection till I can deposit the check. When I called the bank this time XXXX I was told there were no notes on my account and the bank ca n't open another account with my ok. Well they did!
Consumer complaint received 2016-05-27
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AK)

My complaint is that it required XXXX emails/phone calls to Navient to identify, correct, and prevent suspicious/fraudulent/illegal activity to my account. Below is the detail : On XXXX/XXXX/16, I called Navient to make a payment to my account on past due amounts for XXXX 2016, XXXX 2016 and XXXX 2016. The Navient rep received my payment and stated that this payment had made my account current. At the time, I also asked about options for an IBR plan since I started having financial difficulties in XXXX 2016. The Navient rep informed me of some options, and I asked if I could request a future forbearance to give me time to research. He agreed. After the call, I started researching IBR plans. When I logged into my Navient account a few weeks later, I saw activity on the account that was suspicious and confusing. I called and emailed Navient four times after I discovered the suspicious/confusing activity to request clarification and ask Navient to research their records to confirm whether or not the Navient rep I spoke with on XXXX/XXXX/16 had correctly processed my request. In response to each of these emails and phone calls, Navient provided me with incomplete and inaccurate information about my account. On a fifth attempt, on XXXX/XXXX/16, I spoke with a rep named XXXX who was finally able to ( 1 ) provide me with correct information about my account, ( 2 ) identify the Navient error that created all the suspicious and confusing activity to my account, and ( 3 ) place an internal request to correct the Navient error that incorrectly caused {$780.00} of interest to post-actively capitalize on my account on XXXX/XXXX/16 as a result of the XXXX/XXXX/16 phone call. She also identified and removed other suspicious activity that would cause more interest to incorrectly capitalize on my account on XXXX/XXXX/16. Had it not been for XXXX, I would not have had a resolution and Navient would have gotten away with fraudulently and illegally capitalizing interest to my account.
Consumer complaint received 2022-08-04
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (NY)

This uncertain accounts listed below continued to report on my credit report regardless of the previous written requests, in violation of federal law. I dated the previous letter I sent to the 3 Credit Bureaus XX/XX/2022, but I never received a reply. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these accounts to be verified ( A ). I will take legal action against you if you do not guarantee these accounts. Please follow the law so that this situation can be settled quickly : XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00} ; XXXX XXXX Balance : {$1300.00}
Consumer complaint received 2015-04-13
Product: Debt collection — Auto
Issue: False statements or representation — Attempted to collect wrong amount
Company: BB&T CORPORATION (NY)

XXXX XXXX XXXX XXXX has sued XXXX XXXX for purported damages to a leased vehicle that either do not exist or were inflated. Any condition of the car resulted from normal wear and tear for which XXXX XXXX was not liable. XXXX refuses to supply the only evidence that it claims it has/had to show damage -- but refuses to provide : actual pictures of the damage. It appears that XXXX is seeking to collect money not owed in a deceptive fashion. Scores of other consumers are making similar complaints as reflected in XXXX reviews : ( XXXX ) Simultaneously, XXXX reports delinquencies to XXXX XXXX XXXX credit reports that bear no reasonable connection to the purported debt. XXXX is reporting a balance of {$64.00} on XXXX XXXX 's credit history but has sued her for {$2300.00}. Aside from misrepresenting dollar amounts, XXXX is misrepresenting the identity of the creditor to XXXX XXXX 's credit.
Consumer complaint received 2015-04-14
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (CA)

I obtained a construction loan using XXXX XXXX and XXXX XXXX as my loan officers at US Bank. When I went to signing at XXXX title the initial loan amount was incorrect based on the fees and total contract price of the construction minus the funds I brought to closing. During the signing we called and spoke with XXXX about the discrepancy and he recognized it as well and said go ahead and sign and that he would look into it and get back to me. He did not get back to me. 
Since then I have contacted he and XXXX several times about this issue via phone and email. When I contacted XXXX via the phone he has said he would have XXXX look into it, which he did not do. After I emailed XXXX multiple times, she finally sent an email back saying that was based on 80 % LTV, although her numbers were incorrect, and never offered any explanation as to when or how that number would be adjusted to account for the discrepancy. I replied with what I believed to be more accurate calculations, which she ignored. 
I followed up by attempting to contact XXXX XXXX multiple times in order to get a reasonable explanation and find out what he had found out, since he said he would look into it, but he does not return my calls or answer is phone any longer. 
This whole lending process has been the worst I have experienced. The communication has been worse than sub-par and the lenders knowledge about their own product appears to be extremely lacking. I have had several mortgages from online banks and felt that since a construction loan may be more involved and I may need more explanation I should go with an established bank who has brick and mortar business as well in the hopes they would be more professional and knowledgeable. Unfortunately I was proven wrong by their lack of communication and apathy towards making sure things were done correctly. 
I still need to know how this initial loan amount affects my loan. During the conversation XXXX and I had on the phone during closing, he specified that the Builder, XXXX, would not be able to draw any more than our contract price. He did not, however, specify when or if the extra amount would go away. It may very well be that at the end of construction the amounts are added up and at that time will be correct, however they need to explain this and not assume customers who admittedly have never had a construction loan will figure that out on their own. It also seems unprofessional and suspicious that the number was not adjusted prior to closing even though they had all the information necessary to correct it.
Consumer complaint received 2016-03-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Rocket Mortgage, LLC (CA)

I am in an active loan modification review with my lender Quicken Loans and have a trustee sale scheduled for tomorrow, XXXX XXXX, 2016 at XXXX. I spoke with Quicken Loans and was informed that they will not be postponing my sale. I believe this is a form of dual tracking and completely illegal and are unsure why they are choosing not to assist me in this matter. I am now forced to hire counsel and help protect myself.