BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-26
Company: Specialized Loan Servicing Holdings LLC
State: WI
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX XXXX transferred my loan to Specialized Loan Servicing on approximately XXXX/XXXX/XXXX. At the time my mortgage payment with XXXX XXXX was XXXX. It was broken down as follows : P & I {$1000.00} and Escrow of {$450.00}. The escrow amount amount transferred to SLS was {$4200.00}. Specialized loan services did not send me any statements so I contacted them to start paying my mortgage. They insist that the amount of my mortgage payment is {$1900.00}. {$1000.00} in P & I and {$870.00} in escrow. This would calculate out to over XXXX a year in taxes. As my property tax is only XXXX and my insurance premium is {$670.00}, the amount that they are trying to escrow is twice what it should be. I mailed a payment for {$1400.00} in XXXX which was cashed by SLS in late XXXX. In XXXX I made a payment of XXXX to make sure that there was enough funds in escrow to cover my taxes. I also made two payments in XXXX XXXX in the amount of XXXX. I have finally gained access to my online account in XXXX to find out that SLS is keeping all payments of XXXX in an unapplied account and calling my account delinquent. I have made numerous calls and have spent hours on the phone with various SLS staff and have been disconnected, put on indefinite hold, and told that a ticket has been opened only to call back to find that there is no ticket for the problem. In XXXX alone I spoke with XXXX in executive services Empl # XXXX on XXXX ; he was going to call and update me the following week. He did not. I spoke with XXXX in executive services Empl # XXXX on XXXX/XXXX/XXXX and was told they are still looking into it. I spoke with XXXX in Executive Services Empl # XXXX and was told to write an e-mail to XXXXXXXXXXXX I did write that e-mail and have not had any response. She also told me that SLS would not accept any payment less than XXXX. I honestly do not know how to move forward with this to get this resolved. I received a new escrow analysis showing my monthly mortgage payment beginning XXXX XXXX will be XXXX. However this does not resolve the fact that SLS is not applying my current payments to my mortgage. In closing I received a letter from SLS today stating that my mortgage is seriously delinquent due to the fact that they are holding all of my payments in an unapplied fund account. This is negatively affecting my credit rating and by not applying my payments correctly, the interest I paid in XXXX is incorrect as well as the fact that I am accruing additional interest on my mortgage. Additionally they are holding a cushion of {$840.00} in addition to the {$840.00} which is XXXX of the estimated payments for my anticipated escrow. Any assistance that you can give me would be greatly appreciated. It has been a nightmare dealing with SLS.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
A/C # XXXX SLS ( Specialized Loan Servicing Company ) Names on Loan : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX Tel ( XXXX ) XXXXDear Sir/MadamSLS services a XXXX loan on my property at XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX. 
The payment is due on XX/XX/XXXX, with 15 days grace period. I make my payments on a timely basis via US mail. I use their stationary snf envelope for address. I attach payment stub.They do not credit my account and call me and say that I have not made the payment. It is either of few things : 1 ) they lie and post the money after the grace period is expired intentionally to earn late charge. 2 ) their bookkeeping department is losy and organize or 3 ) they have deal with XXXX XXXX and want me to pay alomost {$10.00} to XXXX XXXX if I go pay-by phone, 4 ) some one in SLS bookkeeping steals checksor 5 ) some one in post office with zip code of XXXX steals mail, the chance of which is really minimal. I have to pay for fake late charges to the benefit of SLS.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: AES/PHEAA
State: MA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was under the impression that my student loan was forgiven. I borrowed {$25000.00} in XXXX. After many years, moving from XXXX to XXXX to XXXX I went through many hardships and finally I saw the light at the end of the tunnel when I applied through a document in my work to American Education Services. They then connected me with XXXX XXXX XXXX XXXX for student loan forgiveness and XXXX XXXX in XXXX consolidated my loan she works for XXXX XXXX XXXX, paying {$50.00} a month and stated that in XXXX XXXX my loan will be forgiven. But, in XXXX XXXX XXXX XXXX did not honor it and stated that I have to go back to paying {$340.00} a month. I have contacted XXXX XXXX and after investigating they suggested that I should contact you. Please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-19
Company: SUNTRUST BANKS, INC.
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have reached out to the company. However, they never responded. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " Sun Trust '' on XX/XX/2014 via XXXX certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-29
Company: National Enterprise Systems, Inc.
State: IL
Product: Credit card
Issue: Other

Complaint:
There was a voice mail on my phone ( ending in XXXX ). The message stated the call was from a debt collector. I asked my wife to return the call and advise them I was out of town. My wife called XXXX XXXX at NES of Ohio and advised I was out of town. XXXX XXXX said she would note the account as such. The next day there were messages on my parents voice mail stating " This is a call from NES of Ohio this is a debt collector please return the call to XXXX XXXX at XXXX Ext XXXX '' she did not mention my name at all on the message. My Dad called her back and got one of the other agents who immediately started grilling him as to my whereabouts. He advised them to not call his home any more and they continue to call twice per day every day for a week now. Then XXXX XXXX started calling my kids phone ending in XXXX and leaving messages that this is a debt collector. She then started calling my Aunt and Uncle and again leaving messages stating the call is from a debt collector. There is never a mention of any name on the messages so of course people will call them back to see what it 's about and at that time she will state my name ( so now ALL these people know the call is from a debt collector plus my name is mentioned so my privacy is now violated ). Then they start being aggressive to find me. My wife called NES again and an agent said " I 'm sorry you must be mistaken the only number we have on file is XXXX ''. So obviously XXXX XXXX is using some sort of cross reference to find everyone with my last name in the area that I live. Now I got a call from my previous employer stating that a debt collector is looking for me and gave me XXXX XXXX number. I do n't think this is legal to be discussing my personal situation with people other than myself. And when my wife tried to get information they told her " we ca n't talk to you '' BUT YOU TALK TO ALL OF MY RELATIVES??? Each and every one of these people XXXX XXXX called has asked her not to call again and yet she repeatedly calls them several times a day. It is XXXX XXXX herself that makes the calls its not a computerized call.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-21
Company: Convergent Resources, Inc.
State: WI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Convergent/XXXX calls me on my cell and at my work number. They wo n't give me any information about " the personal issue '' until I verify my last XXXX Social Security numbers, address and birth date, which I will not do unless they tell me why they are calling. They then tell me they will report that I refuse to cooperate, and hang up. There has to be something that can be done to stop this kind of harassment and bullying.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have been communicating with CSC for about four months now. The debt is from the hospital that my XXXX child was born at, it started as a {$5000.00} debt and we paid about {$2300.00} of it before a change of jobs made it hard for us to finish the payments. There was also a {$200.00} debt that I was never notified about going to collections. A few months back we negotiated a payoff amount of {$1900.00} for the XXXX Hospital debt and we submitted a request for negotiation to the other {$200.00} debt. I sent CSC a check for the {$1900.00} and believed I would hear from them within a week or XXXX about the other debt. My check was never deposited and I did n't hear from them for two months. I finally called them and they said they would n't deposit that check because we were waiting to hear from the {$200.00} debt. Another few weeks passed before I heard from them again, I spoke with XXXX on XX/XX/XXXX at XXXX and she stated that my payoff amount for XXXX Hospital was now {$1000.00} and the other amount was {$220.00}. 

At this time I provided a credit card number and authorization for a charge of {$1200.00}, it was processed immediately and taken out of my checking account. XXXX verified two different times on a recorded phone call that our account was now paid in full and our balance was {$0.00}. Later that evening I checked my bank account and found that the {$1000.00} amount of the charge was being put back onto my card and they were only charging the {$220.00} amount. This morning I woke up to find they had deposited that old check for the {$1900.00} amount. I believe they have violated the FDCPA by misrepresenting the amount I owed on the debt and I would like to know what recourse I can take, if any? Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Credit Card Receivables Fund Incorporated
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This debt is a result of identity theft. I need it removed from my XXXX report immediately. It has been eight years since this debt and it has to be removed. The company is Unifund CCR LLC. They have put a lein on my property located at XXXX XXXX XXXX XXXX. I need it removed because I am selling the house. I will settle with them at a low price, too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX XXXX I was no longer able to pay for my mortgages on my vacant house in XXXX, New Mexico. This house had two mortgages : the first with XXXX, the second with USAA. I attempted a short sale on the house and was unable to sell it. I filed for a Deed In Lieu of Foreclosure, which XXXX granted, provided I clear the lien with USAA. 

After negotiations, on XXXX XXXX XXXX USAA issued a Settlement Agreement to me, stating that USAA would accept {$14000.00} for full settlement of the loan, with me paying {$8000.00} and XXXX paying the remaining {$6000.00}. On XXXX XXXX XXXX I paid to USAA {$8000.00} and USAA issued a new Settlement Agreement for {$6000.00}, which must be received by XXXX XXXX XXXX. I signed this agreement and USAA acknowledged that it received the signed copy. 

On XXXX XXXX XXXX USAA exercised a right to offset against one of my accounts in the amount of {$1700.00} to pay toward the subject loan. This transaction is contrary to the Settlement Agreement that USAA and I have in place and is not only contrary to my wishes to maintain good and honorable relations with USAA, but is also fraudulent. 

I contacted USAA 's banking, fraud, loan, and identity theft departments on XXXX XXXX XXXX. Of all the people I spoke with, nobody was able to tell me why the {$1700.00} was withdrawn from my account or where it had gone. I was promised a call the next day, but nobody called. I then contacted USAA 's Member Assistance Team ( that arranged for the Settlement Agreement ) on XXXX XXXX XXXX. They said only the debt collection department could have exercised the right to offset and transferred me there. The debt collection department said they could n't have done it, because my loan was held by the Member Assistance Team. I was told that an email was sent to the executives of the Member Assistance Team and that I would be contacted.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-06
Company: HANCOCK WHITNEY BANK
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XX/XX/2016 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! We decided to just go ahead with it. When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. We thanked them for their time, and were about to walk out when they had to adjust the selling price to get us approved by the bank at the lower interest rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX bank and hit my credit once

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Global Credit & Collection Corporation
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Received calls trying to contact me regarding debt that I have been paying with XXXX XXXX. They called my work and harassed our operators. That 's not against the law. what is against the law is that they found my ex husband, called him on his cell phone and talked to him about my debt. I have been divorced for almost 5 years, and my ex husband had nothing to do with my debt. This is a clear violation of the law. Not only do they have the wrong amount listed for the debt, they are contacting and discussing my debt with third parties. Please send me a letter to validate the debt so that I may dispute it and send all copies of cancelled checks for the original credit collection agency I have been working with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-09
Company: Reverse Mortgage Solutions, Inc.
State: CA
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have gone through the probate court and have Letters of Administration for my fathers estate. His home is currently in escrow, as of XXXX and the reverse mortgage company filed a default letter and formal estate sale proceedings in XXXX despite their knowledge that escrow was in place. I am the title company have had multiple contacts with RMS to keep them apprised of the process.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-03
Company: STONELEIGH RECOVERY ASSOCIATES, LLC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have moved to another country in 2009, and confirmed XXXX 2009 is the last time I used the credit card, which is free of annual fee. I have confirmation that I settled the payment and I have not received any new statement/balance throughout the years. My old landlord has informed me that a debt collection company has mailed me with a debt of {$610.00} which I am certain is not mine. I do n't know if it was identity theft or not, I tried to contact them but could n't. they do n't have any of my numbers as I cancelled all my old phones already.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-16
Company: ASTORIA BANK
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
On certain potions of my mortgage someone changed numbers such as the interest rate and then forged my initials to make it look as though I saw it, aporoved it and signed off on the changes. I now have my original closing documents in hand showing that at closing those documents are conpletely different than those records filed with the clerk, XXXX XXXX in Va XXXX XXXX, and different from the records Astoria Bank provided to me via my request in response to their claim, which I disputed and they continue to ignore via their incomplete response to same and their insistance on foreclosing and sweeping facts under the rug.. I have retained an expert in this field, XXXX XXXX, who testified in federal, state and XXXX courts all over the country regarding the sane issues as mine and was lauded for her efforts in that her review and reports enabled lawyers all over the country to prove XXXX XXXX, known robosignature in that debacle was signed by XXXX different XXXX employees sitting in a room signing off on XXXX documents rendering them void after XXXX XXXX testimony and amicus brief. She also assisted in the take down of signature XXXX " Docx. '' My foreclosure sale is XXXX/XXXX/15. I have proven that the filing of the above mentioned closing documents, deed, and note was fraudulent at best and it will be perilous to anyone that proceeds to take my home as it will be a fraud on the court, the records clerk and to any potential buyer as their illegal acts in forging my initials, robosigning my documents and other acts of fraud place a huge cloud on the title, at the very least, as well as nullifying the recording of the note and the deed through fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-21
Company: CITIBANK, N.A.
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: JH Portfolio Debt Equities, LLC
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
Debt collector calls almost daily indicating they are going to sue and this your " last '' chance to resolve. Debt collector indicates suit paperwork is in the mail. Debt collector calls relatives and neighbors. Debt collector continues to call after being asked repeatedly to stop communication. Debt collector is attempting to collect ( and threatening to sue ) on a debt that is over 10 years old.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
There are numerous inconsistencies and discrepancies with Nissan Motor Acceptance Corporation 's reporting to the XXXX major credit bureaus. I have never made a late payment and have spoken with customer service on numerous occasions to correct this matter. I have been assured numerous times that it will be corrected and updated but it has been months with no results. I request the following corrections be made : 1. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX 2. XXXX - there is no account being reported and the account needs to be updated, reflecting ALL PAYMENTS CURRENT. 
3. XXXX - update payment information to CURRENT, NOT LATE for the months of XXXX XXXX, XXXX XXXX, and XXXX XXXX.

Company response to consumer: Closed with explanation