BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-19
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Fedloan servicing falsified my income driven repayment application for XX/XX/2016. I submitted the income driven repayment application on studentloans.gov. My account on studentloans.gov reflects exactly as I remember filling it out and submitting it. I requested to simply update my income and continue the repayment plan I was currently on. I was surprised by a huge standard payment bill in XX/XX/XXXX as I was not expecting an interruption in payments or a change in my payment plan as I requested to stay on my same payment plan. Fedloan insisted I had no choice but to switch plans based on my application, I told them I did not want to switch plans and I did not put that on my application. Fedloan refused to provide me with the application they claimed said they could force me to switch plans until XX/XX/XXXX. upon review of their falsified document, a box was marked manually requesting my lender pick the plan with the lowest monthly payment and place me on it in addition to the conflicting mark I selected in item number one requesting I continue my current plan and simply recalculate my payment. all of the boxes I selected have electronic x 's and this box they claim I checked that allowed them to force me to switch plans does not. I did not check the box requesting fedloan force me into whatever payment plan had the lowest monthly payment. When I confronted Fedloan about this Fedloan threatened me that if I peruse the injustice bestowed on me that they would place me back on standard payment and continue to erroneously capitalize my interest every month I had to defer until I submit and they take as much time as they want to " process '' my application. This is an injustice and I will not allow Fedloan to continue to threaten me into allowing them to falsify my loan document. I am demanding they address this injustice by reversing the activities placed on my account based on the falsification.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: FIRST NATIONAL BANK OF OMAHA
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I.am file this compliant base these three factor : ( 1 ) excellent credit Rating. ( 2. ) execptional. ( ( XXXX. ) exceptional. ( 3 ) trustworthiness, and qualify to obtain I could not believe this is the position that my bank was taking. and me as a value customer. I was denial asamll business credit. my nwife apply for this same card on or XXXX XXXX and apply again XXXX/XXXX/XXXX and was still declined a card. the factor was excessive credit reporting agency inquire. I belief its a rigged system against small XXXX XXXX business who want to build there company with bank. now apply for the card in my name and I only have XXXX inquire on my credit reporting agency. so it appear that I have good credit but still was I belief these or the fact : as follow : I belief and feel here is unfair, treatment to be denial any XXXX credit who is trustworthiness. and have excellent credit rating. let be clear here I have relationship with these bank and I all way pay my bill on time over the amoun of the above payment that schedule. never missed any payment to first national bank. some XXXX need to review my credit history its very strong.my XXXX said that credit usage 23 % and well qualify and trustworthiness. and that is the base for issues credit to custom er I have on XXXX inquire on my file and XXXX is FNB.they pull my credit back on XXXX/XXXX/XXXX and granting the card. now they are denial me credit. it clear something is wrong with this picture because on or XXXX Reference Letter # XXXX XXXX XXXX Thank you for apply for the commercial credit card. we are unable to offer you credit on the terms that you requited because that offer has expired. please contact the financial institution you received your application from to re-apply. the question. would be is why? XXXX XXXX XXXX business have to fight so hard just to get credit and then they to me is although we were unable to fulfill your request at this time we think you for aplply. we are trying to build new south lease company credit with this bank, Reasons why I belief we should be grant credit. XXXX XXXX XXXX no excessive credit report agency inquire. XXXX. XXXX excellent credit. ( XXXX ). XXXX scores ' XXXX XXXX XXXX Never missed any payment all waymy bill on time make payment above credit payment all way pay down balance and for this bank to denial me credit. I am ask the bank to approve my request thank you. is this all because of my age why? make me understand we pay our bill on time

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-13
Company: Specialized Loan Servicing Holdings LLC
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I received, yet again, a letter XXXX/XXXX/XXXX from Specialized Loan Servicing requesting proof of insurance ( which they already had on file ). I went to the expense to fax and send certified mail on XXXX/XXXX/XXXX the discharge of my first mortgage - since they already had both proofs of insurance. I received another letter from SLS on XXXX/XXXX/XXXX requesting proof of insurance ( which they already had on file ). I, again, went to the expense of faxing and sending certified mail on XXXX/XXXX/XXXX. I then received a letter from SLS stating that they purchased insurance on my behalf and were charging my account {$950.00} and another {$140.00} for insurance that they had no right to purchase in the first place as they already had copies of both insurance policies on file since XXXX XXXX. I have been harassed by this company every year for proof of insurance which they 've had on file. XXXX and XXXX always send copies of dec pages to mortgage holders. Every year they try to purchase insurance on my behalf and charge me an outrageous amount. In New Jersey, it is illegal to force a consumer to purchase more insurance than necessary.

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 2017-02-10
Company: Specialized Loan Servicing Holdings LLC
State: KY
Product: Mortgage
Sub-product: Other mortgage
Issue: Application, originator, mortgage broker

Complaint:
The company specialized loan servicer replied that they have obtained my mortgage but they have not -it was charge off ( dismissal ) they may act as loan servicers but they are also junk debt collectors -. The information of even amount is incorrect. They have started taping little notes to my door stating a field inspector came today with the amount of {$110.00}. The document they sent states {$11.00}. They sent me loan papers to get a loan with them but they are trying to obtain my mortgage -that is gone. This company is trying to get money/my home by using every tactic they can -they are trying to foreclose. This company may act as a servicer but they are doing very illegal/fraudulent acts. This is a total unfair/unjust practice. They are not my lender/servicer. Through researching this company should be shut down. There are so complaints of real unjust illegal practices. My resolution is for this company to stop the harassment. 
Please help me with this horiible company. I have been forced to deal w/them due to the harassment. This company is getting by with all they are doing to consumers because no one in authority is stopping them. 
Sincerely XXXX

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 2015-08-20
Company: Helvey & Associates, Inc., Warsaw, IN Branch
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
this account is a fraudulent account and was from identity theft but it is reporting on my credit and this company has this frauudlent account on their records

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: U.S. BANCORP
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am the XXXX for XXXX. We had a property owner who lost their property in foreclosure to U.S. Bank Home Mortgage in XXXX XXXX, XXXX. This property is located at XXXX XXXX XXXX, XXXX NC XXXX. I wrote U.S. Bank Home Mortgage regarding this property on XXXX XXXX, XXXX. I have attached this letter and also a copy of the Deed of Trust and a current statement of what is owed to XXXX XXXX XXXX. The XXXX dues/assessments was prorated and U.S. Bank Home Mortgage was only billed from the date they took the property back. I gave the bank until XXXX XXXX, XXXX to pay the XXXX dues/assessments without a late charge. They have not paid that amount, nor have they paid the XXXX dues/assessments that was due by XXXX XXXX, XXXX.

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 monetary relief
Consumer complaint received 2015-04-22
Company: Specialized Loan Servicing Holdings LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a customer of Specialized Loan Servicing and formerly of XXXX XXXX XXXX vis a vis XXXX. I am the recipient of a {$27000.00} Dept. of Justice write down. Approximately three months after SLS acquired my mortgage, my escrow account was in the negative as a direct result of high taxes- water and property. I reside in XXXX XXXX and we have the dubious distinction of paying the highest property taxes in the state. In addition my water and sewage bills have increased for three consecutive years by a whopping 15 %. Repairs to the infrastructure of an aging city are not cheap. 
Upon inception of the servicing of the mortgage, my note was {$1200.00}. It is now and has been for several months at {$1500.00} with a {$48.00} late fee attached. I was not given 60 days to prepare for the increase, nor was I presented a payment plan to make separate regular payments at a different time of the month to resolve the negative escrow issue. Instead the high escrow payments were placed on top of the mortgage, bundling them together for their convenience and forcing me into default. 
I am always stumbling to the finish line with a payment of no less than {$1600.00}. Only about 14 % of my payment goes toward reducing the amount of the actual mortgage. Furthermore, I am experiencing a 29 % increase in payment. I have been harassed with breach letters, informed that I can enter an in-house modification, and made to feel that if I fail to get my loan caught up, I will lose my home. My experience with XXXX informs me of in-house modifications : they increased before they decreased. 

I am being made to believe that if I do not give SLS a whopping XXXX every month before mid-month or XXXX later in the month that I will lose my home of many years. I am two months and 3 weeks behind.. 
Ironically, the amount applied to the principle remains static at a measly {$220.00}. 
My suspicion is that SLS is a subsidiary of some sort of XXXX, and customers who received a XXXX XXXX. settlement may be unfairly targeted. 
I am proposing a cure that involves allowing me to rebuild the escrow through regular payments separate and apart from maintaining regular payments of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I got this attached letter over the weekend from company by name : Specialized Loan Servicing company, which I do know or heard anything about them until now. Their name has never been mentioned to me in any of the mortgage information received either from XXXX or XXXX XXXX company that claimed that they are part of XXXX XXXX. In the letter from SLS-Colorado, they claimed that their creditor want me to pay them {$190000.00} .... ( See attached doc. )

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 2016-03-15
Company: LAKEVIEW LOAN SERVICING, LLC
State: IN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Lakeview Loan Servicing sent me a letter via XXXX soliciting me to refinance my mortgage. The letter implies that they have taken over the loan from my current mortgage holder XXXX. I do n't believe this is true. The solicitation via XXXX and the implication that they are now my mortgage holder and therefore can offer me special terms for refinance are misleading. In addition, the offer has a deadline of XXXX/XXXX/XXXX. Why the urgency of a XXXX mailing and a stated deadline if the changes to the FHA Streamline Refinance Program were announced XXXX/XXXX/XXXX? The whole thing - the approach, the offer, the terms - is packaged in a way to confuse and mislead.

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 2015-07-28
Company: U.S. BANCORP
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I, XXXX XXXX XXXX, was forced out of my home XXXX, by which US Bank, XXXX XXXX and its affiliates committed fraud, constructive fraud, civil theft, and breach of contract ; along with intentional infliction of emotional distress in order to provide them with leverage to be able to successfully foreclose on my home. 
Only as a result of my official complaint ( XXXX ) through the CFPB against U.S. Bank was I able to get ANY form of a response from their organization. As of XX/XX/XXXX, the Law Office of XXXX XXXX XXXX has instructed me to request U.S. Bank to provide me with the following additional documentation below:1 ) Life of the loan transaction history. 
2 XXXX Letter XXXX XXXX ) stating when payments changed. 
3 XXXX Court summons of eviction notice served by U.S. Bank on XXXX XXXX XXXX during the month of XX/XX/XXXX. 
4 XXXX U.S. Bank 's refinance/modification guidelines that stipulates how an applicant must be behind on their mortgage in order to be eligible for a loan modification. 
5 XXXX All decline letters for both refinancing and loan modification issued by U.S. Bank prior to XXXX XXXX XXXX every became delinquent with his loan payments.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: U.S. BANCORP
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
In my credit report is my x husbands credit card ( us bank revolving line ) which has not been updated since XX/XX/XXXX.My credit was pulled XX/XX/XXXX.This account was included on his bankruptcy as '' unsecured claims receiving disbursements '' I have contacted US Bank several times as it is on my credit report ( over the last two years ) .Last on XX/XX/XXXX via phone and XX/XX/XXXX and they can not find this account by account number, Social security numbers or either of our names, but will not take off credit report.I sent last certified letter to them XX/XX/XXXX they have received on XX/XX/XXXX and have not contacted me.Again I contacted them ( us bank ) XX/XX/XXXX they are still unable to find account but, it still appears on my credit report as negative.They send me from one person to another finally to automated line which gives address to send dispute to.I have done this now twice most recently XX/XX/XXXX and I can not get US Bank to respond.phone numbers called XXXX on XX/XX/XXXX and XX/XX/XXXX

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 non-monetary relief
Consumer complaint received 2016-08-21
Company: Stanislaus Credit Control Service, Inc.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
These people call my employer up to four times everyday, and on occasion leave messages. They falsely claim to have sent a certified letter to my home, and no one signed for it. I have cameras outside my home, and there is someone there at all times.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-01
Company: Fay Servicing, LLC
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am dealing with Fay Servicing. My account manager is XXXX XXXX. 
To go over that facts as were stated to me by XXXX via phone on XXXX XXXX, 2015. XXXX called me to tell me " I have good news for you before the Holiday weekend, you have been approved for a loan modification. '' " It looks like a principal reduction of almost {$100000.00}, a rate of 6 %, the length to remain the same as the original Note. You will need to sign some documents and make XXXX payments in the amount of {$2100.00} '' I would expect XXXX to tell the truth as I am sure he is directed from Fay Servicing. Well, this does n't appear to be true based on the Forbearance Agreement I received. In the Agreement none of the Terms XXXX presented to me on the phone were included. Furthermore, it appears that XXXX along with Fay Servicing are using deceptive practices, which to me appears like consumer fraud. 
This is no joke. I am at risk of losing my home, I would expect any company would act honestly and NOT use deceptive practices. It appears XXXX XXXX and Fay Servicing are doing just that. To tell someone on the phone all those facts, along with terms of the Loan Modification and send a Forbearance Agreement such as the one attached is certainly Consumer Fraud. 
Please help me. All I want is to be treated fair and for them to honor the terms they gave me over the phone. I would pay them the XXXX month trial period upfront if they would just honor their words.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: FIFTH THIRD FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My father purchased XXXX savings accounts for me and my siblings in XXXX and XXXX. He passed away in XXXX and had given the savings certify ficates to my sister to hold for him. 
My sister whom forgot about them, did n't disclose that we had them until this year. 
Their have been XXXX bank mergers since the original opening. 
I have contacted the current bank which is Fifth Third Bank in XXXX, Ohio Ohio. This bank has branches in XXXX, FL where I first began my search. The Original bank was called XXXX XXXX, with branches in XXXX, MI and in XXXX, XXXX XXXX etc when they were first opened. This bank was later merged with the XXXX XXXX XXXX. 
I believe in XXXX XXXX XXXX was merged into another bank named Fifth Third. 
My sister and I whom is a senior citizen also, went into the XXXX XXXX, MI branch to cash them. They said that they would check it out with their main office, as they had no record of our CD 's. 
I then contacted the main branch located in XXXX, Ohio and spoke to a spokes person there for several weeks. I sent into then a death certificate of my father and copies of the CD 's. 
The answer from them was a dead end. They accused me or a family member of cashing them in, which never happened. 
My attempts have been endless either online and going into Fifth Third Branches in XXXX, FL where I now live. 
My sister is XXXX years older than myself and has XXXX. 
I do n't know what do at this stage after endless attempts to cash them. 
The bank has stated to me that the CD 's are worthless, and to rip them up. This a ridiculous statement to make to a citizen of the USA, and to be allowed to get away with this. 
My brother, has XXXX who I 've tried to include in my inquires. 
Hopefully, your department will be able to research my CD 's and retain funds after 33 years of opening them from my father. 
Hopefully, here I will be able to fill out the correct directives required by your department.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: Halsted Financial Services, LLC.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Hello, My name is XXXX XXXX XXXX. For the past few days I have been receiving phone calls from this debt collector. They call and they hang up when I answer. A few days ago I called and the representative told me it was an attempt to collect a debt and they wouldnt let me ask questions. The company is HALSTEAD FINANCIAL SERVICES and they are calling from XXXX They also contacted my home and harassed my XXXX year old grandmother who is sick with XXXX and threatened to show up at my place of employment. I am not certain what his debt is about but they are certainly breaching the law. Please do something about this or I will certainly reach out to an attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: United Consumers Inc
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was the result of a visit to the XXXX and was paid by the insurance copy. However, the collection agency continue to make claims towards this debt.

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