davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (FL)

Specialized Loan Servicing LLC ( SLS ) XXXX XXXX XXXX XXXX, CO XXXX or XXXX XXXX XXXX XXXX GA XXXX bought our mortgage loan from XXXX ( XXXX ) on XXXX XXXX, have not been late with payments, now they have increased payment by {$300.00} a month because escrow was short to pay XXXX tax, offered to pay the difference to keep payment at original but said they could not drop monthly amount until 12 month review. I now want to pay tax and homeowner insurance myself I would save by paying quarterly.I have filed Homestead with FL which will reduce XXXX tax by 50 %. SLS after reading reviews appears to be a questionable co. that needs to be investigated. I offered to pay my original monthly payment and pay up front the difference in escrow shortage for XXXX taxes so long as my monthly payment stays the same as it was.SLS will take my money but will not lower my payment to what it was.
Consumer complaint received 2016-04-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (TX)

I paid my student loan on time and regularly. It was with XXXX. Then it was changed to FedLoan. XXXX had taken on payment on the same day every month. FedLoan took XXXX payments about a week apart the first month. The second month it was XXXX spread out over about two weeks.. The XXXX payments were not proportionate to my loans in any way I could figure. When I asked why? The response was " Yes we did take it in XXXX '' debits. Each of them cost me {$35.00} nsf fee. While not an ideal choice, the XXXX way of debiting my account would have cost me only XXXX OD fee. 
I consolidated my loans, hoping they would be assigned to someone else. They were not. I asked that communications be in writing, they responded to " call them. '' When I wanted to catch back up, they demanded that I pay the full amount to bring them current. 
Maybe I would still be in default if they had not treated me this way, I just know that FedLoan tried as hard as they could to make sure I could n't pay them.
Consumer complaint received 2024-10-15
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: NAVY FEDERAL CREDIT UNION (TX)

I received notification from XXXX on XX/XX/XXXX that Navy Federal Credit Union reported me 30 days late in XX/XX/XXXX. However, I have never been late and the attached credit card statement show my XXXX payment was received on XX/XX/XXXX. The payment was due XX/XX/XXXX per statement attached. I personally went to the bank to resolve this issue and the Customer service rep was confused why this was reported. They advised me to dispute this as well.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: AMA Advisors, LLC. (WA)

I contracted with HomeBridge Financial Services in XXXX for 30 year mortgage. 
I was very happy with my loan with them ... in XXXX of XXXX, they sold my loan to XXXX Mortgage. I received a letter from XXXX that stated I need to get flood insurance. I have been fighting this for weeks trying to resolve the issue. my my loan included a flood certificate dated XXXX which was totally valid but XXXX would n't accept it. my loan should NOT have been sold if they would n't accept the document. now I have spent XXXX already to obtain a document from from FEMA ( pending ) and faced with having XXXX automatically add flood insurance to my monthly payment. which I cant afford right now. I am so unhappy that all of this has happened.
Consumer complaint received 2024-09-17
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: SANTANDER HOLDINGS USA, INC. (IN)

I notified XXXX several times that inquiries from XXXX XXXX  and Santander  were not made by me. They did not investigate properly nor have they removed the inquiries from my report. I filed a complaint with you and FTC in XX/XX/XXXX. XXXX XXXX  actually took the time to investigate and they determined that I was NOT responsible for the account created fraudulently. They have deleted the account and inquiry from XXXX twice! However, XXXX insist that they havent received any request from them. 
( I attached the letter from XXXX below ) Santander- they responded to complaint : XXXX. That I applied for credit and I absolutely did not. The letter provided was not proof that I submitted an application with Santander or XXXX. To make matters worse, I received another denial letter dated XX/XX/XXXX as if I applied for credit with them yet again!! The notice will be attached below. At this time, I feel like Im being harassed by Santander. I have not and will not ever apply for credit with them! Directly or indirectly. 
Lastly, the inquiry dated XX/XX/XXXX w/Santander has not been removed. Its been over two years.
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (GA)

On XX/XX/2016, I completed the rehabilitation process of my student loan with XXXX. Rather promptly, XXXX deleted their default tradelines from all of my credit reports as agreed. XX/XX/XXXX, I received correspondence from XXXX ( Sallie Mae ) that my loan was assigned back to them after rehabilitation. This correspondence was dated, XX/XX/2016. I took this as the start of the 30 day clock of notification that my student loan had been rehabilitated and to remove their default status per 34 CFR 682.405 ( b ) ( 3 ) ( ii ). 
On XX/XX/2016, I disputed the Sallie Mae tradelines with XXXX and XXXX. The tradeline was updated on both credit reports ( not sure what was changed ) however the default status persisted. In addition to that, on XXXX a new tradeline was added with the same account number, under the XXXX name with the default status also and tanking my scores! I have since disputed that tradeline which the investigation is ongoing as of today. 
On XXXX, I disputed the Sallie Mae default tradeline on XX/XX/2016. The investigation completed on XX/XX/2016 with an updated status. Like the other XXXX credit reports, the default status remained and is present today. 

The above clearly shows Sallie Mae/XXXX to not only be negligent as the lawsuit filed by the CPFB alleges but also willfully non-compliant.
Consumer complaint received 2016-06-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Pinnacle Credit Services, LLC (FL)

I have asked Pinnacle Credit Service to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-05-11
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: Santander Consumer USA Holdings Inc. (FL)

Roadloans.com put a hard inquiry on my credit without authorization. I called and spoke with XXXX who told me that he did n't know where it came from, but they could n't remove it. There is no possible way I authorized this through them or anyone else for any kind of loan.
Consumer complaint received 2016-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Revenue Recovery Corporation (TN)

These debts are at a XXXX balance and the other medical bills I have on my credit is due to having insurance since XX/XX/2014 that is still on my credit report and I would like these removed I do not owe these Medical bills due to none payment from the insurance company.
Consumer complaint received 2016-07-21
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NE)

Having Problems with Ocwen loan servicing. The way they are servicing my loan I feel that they are forcing me into a default. My payment went up for the XXXX time in 3 months and this time it went up {$200.00} per month and they said it was because my insurance went up. Contacted my insurance company and it did by less than {$50.00} per month, not over {$200.00} per month. Talked to the on the XXXX of XXXX and requested info to be emailed to me for review and as of today no info sent. Talked to a rep and requested same info and all he could say was maybe its in your junk mail and when I mentioned CFPB the phone was disconnected. Please help me this this company. I do n't want to lose my home but the way they are servicing my loan it will have to go in default. Very poor customer service.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (AZ)

In short, MyFedLoans changed their policy regarding applying for Income Based Repayment this year. They began requiring non-borrower information and tax returns. Further, they did n't train their representatives well on how to explain the new policy to customers, and then capitalized THOUSANDS of dollars of interest increasing the total amount that is daily compounding interest on the loan. I know that this is not just my situation, but that of tens of thousands of borrowers. They have also refused to answer correspondence though I have called over 10 times and submitted online complaints 5 times. This will add over 2 years to my repayment and takes me back to square one. It is also in direct violation of the Student Loan Borrower Repayment Rights in several key areas. I have never fallen behind, thankfully, but instead of them processing my paperwork, they also forced me into forbearance for another two months while they figured out my paperwork, resulting in even more interest to be capitalized. Ultimately, my paperwork was accepted and my student loan payment went DOWN, but this is very demoralizing to student borrowers and will keep them in repayment for far, far longer than is reasonably necessary ( for those who have the desire to actually pay off their debt ). And, for those who can not reasonably expect to, it will increase the amount of their tax liability when the remaining debt is discharged. This is unethical, immoral, and simply counter to established loan servicing guidelines.
Consumer complaint received 2017-01-22
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (CA)

I have been forced into filing for forbearance due to the amount of my loans that I need to pay. I did not have a job to support myself to pay the loans of at the time when I was being billed more than {$200.00} a month. The only thing that made sense was to go into forbearance. My interest rates have gone higher, and now I do n't know how to pay it all off. Every time I try to call Navient, all they offer me is to go into forbearance and then to go into an income driven payment plan. To my knowledge, that does n't do anything except that my interest rates are still hiking up.
Consumer complaint received 2017-01-21
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (MO)

I want the CFPB to protect me 1. I DO NOT OWE Select Portfolio Servicing {$260000.00} 2. I did not owe the XXXX XXXX the money I paid them. 
3. I did not owe XXXX the {$53000.00} balance for which they foreclosed on my property 4. They had no right to foreclose on my property for a XXXX bank loan I paid off in a mortgage on my house. 
5. There was no XXXX loan they took MY money to pay off XXXX. Now I 've paid back my credit money with interest paid someone else that did n't give it to me and it was still in the mortgage on my house I paid again. 

I have paid {$540000.00} cash to my first mortgage I have paid XXXX separately to the second mortgage I paid an extra {$45000.00} to a VA loan no one gave me. ( I paid off my buyers loan ) I paid the balance AND {$130000.00} to the XXXX loan before they foreclosed I have paid at least double taxes and insurance on XXXX properties. XXXX of which I did not own. 
I have paid off XXXX thirty year loans in 15 years. 

Amount borrowed XX/XX/XXXX someone gave me {$47000.00} for my duplex XX/XX/XXXX someone loaned me {$210000.00} for my house XX/XX/XXXX someone loaned me {$38000.00} I have paid {$850000.00} in cash, a duplex and a {$270000.00} payoff statement for my {$270000.00} house. 

{$540000.00} to XXXX for {$430000.00} {$100000.00} {$840000.00} to XXXX XXXX XXXX for {$740000.00} {$85000.00} {$580000.00} to XXXX for XXXX XXXX {$69000.00} to XXXX XXXX for XXXX {$48000.00} XXXX total paid. To house XXXX principal XXXX due XXXX owed XXXX paid. 
They owe me {$130000.00} on the first {$45000.00} on the second ( XXXX ) Or XXXX {$180000.00} for my duplex And the {$270000.00} we do n't owe XXXX {$49000.00} field adjustment = XXXX escrow disbursed since XX/XX/XXXX Or XXXX for XXXX properties since XX/XX/XXXX. 
{$32000.00} field adjustment = duplex balance? 
Or XXXX x XXXX + XXXX paid to XXXX Regardless count {$150000.00} paid to house. 
And {$130000.00} to duplex + XXXX overpaid to XXXX {$300000.00} + XXXX not owed XXXX paid to house pays XXXX 15 year loan. 
{$250000.00} - XXXX escrow they owe me {$170000.00} XXXX? 
They owe me another {$130000.00} for my duplex Escrow on duplex? They owe me another {$27000.00} less XXXX escrow disbursed at XXXX {$310000.00} XXXX do n't owe {$580000.00} is how much somebody owes me
Consumer complaint received 2016-09-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Southwest Credit Systems, L.P. (FL)

We sold our house in XXXX Maryland in 2011 and paid our last monthly payment to XXXX by electronic transfer from our bank account. XXXX/XXXX/2011. Proof of payment to XXXX from XXXX XXXX XXXX enclosed. 
On XXXX/XXXX/11, XXXX sent us a REFUND. Enclosed is copy of the letter from XXXX that accompanied the refund. 
XXXX repeatedly sent us bills for the amount that was paid, even though we repeatedly sent them copies of the completed transaction. 
Enclosed is a copy of the bill from XXXX/XXXX/2011. 
Many phone calls were made to them with to no avail. We gave up. 
They then turned the bill over to a debt collection company which in turn as sold the debt many times to other debt collectors. We are being constantly harassed by the latest debt collector, Southwest Credit Systems. 
We are now applying for a mortgage and this old debt on our credit reports is affecting our interest rate. 
Please help us.
Consumer complaint received 2017-01-21
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: TD BANK US HOLDING COMPANY (NY)

TD Bank authorized XXXX payments of {$1400.00}, to a school debt collector. This was done after I called and explained to the bank I do not want it authorized, do not release any funds to them. However the bank let this school debt collector take the funds from my account/debit card twice. Meanwhile that I closed both the account and card days prior, because I was advised to, by a td bank representative. The account that I reported was tampered with serval times before. Also it was explained to me, the compromised account was in no check status and taken care of. Now the bank is saying, that I authorized the payments. I reached out to the debt collector and they explained to me, the bank released the payment. TD Bank had the collector, Account Control Technology, send me a letter, stating I must sign to prove I authorized the payments, when I did not. I did n't sign anything. I brought this form to a TD bank, to attach to these payment disputes I filed. This is the proof that I never authorized any payment to be made. Td Bank suggested that I close the card and account because it was compromised. Now I 'm over drawn. They have me over drawn & now the took money from my other checking account and sent it to the one being disputed. This account that they told me was secure and setup for direct deposit, they took that money and applied it to the negative. Then told me it 's nothing they can do, because the account ca n't go into no check status, that it is in fact not closed now. I 've been dealing with this issue since XXXX XXXX. My dispute is not resolved for these wrongful charges.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (AL)

Navient has n't been very helpful at all. I set it up for them to take my payment straight out of my bank. Well after a couple of months I started getting charged late fees for no reason. I called them to check why and they told me that I did n't have it setup to get my payment taken out of my bank. I checked their website and there it was ... my bank account information was still there but they were n't taking the payments out. I called back to let them know and they continued to tell me I had to set it up on their website. I also tried to get my loans reduced after going through some financial trouble and they told me I did n't qualify. Told me the only thing I qualified for was forbearance or postponement. They have been pushing for me to do forbearance or postponement for over a year now. Well I now have several late fees and am numerous payments behind due to all the misunderstanding on their end. I do n't feel as if I should have to pay any of the late fees due to their mess up.
Consumer complaint received 2017-01-23
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Navient Solutions, LLC. (NC)

My XXXX loans are with navient. For the last 10 years they have never told me anything about school loans and how to pay them back. when they called they would say you owe us XXXX today. How do you want to pay that. can you pay that and I did not have that kind of money and I was very afraid. they would say each time well lets do forbearance and your payments will be caught up until next year. It sounded like a good plan but I was so afraid, and had no idea I would be over XXXX in debt. I paid off my first college loan in full. I received a notice from them that XXXX of my loans had been turned over to collections where they are garnishing my check for XXXX a month. I did not even know about this loan as it was over 10 years old and I called and explained to them it was not mine. I knew nothing of any programs that was offered me to repay my loans or any income based loans. Now they are threatening to take my social security. there have been times where I felt death is my only way out and could not imagine how the government had put me in this situation. they called me and threatened me, laughed at me, hang up on me several times. I am afraid and I have not been explained any way to repay my loan from Navient. They are taking my tax refund, my social security and my part time job and I never knew any way or any other options I had to repay my school loan. The loan that was over 10 years old was sent to XXXX XXXX and I never even knew about the loan or was it explained to me anything options I had. I was never offered any income based program, repayment options or anything they only offered me forbearance or postpone my payments. Please help me!!!
Consumer complaint received 2017-01-23
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (NY)

On XX/XX/XXXX, the banks were closed. Prior to that on XX/XX/XXXX I had a pre-authorized payment to XXXX scheduled. I checked my account on XX/XX/XXXX and the payment had not been taken out. I checked on the next day the bank was open which was Tuesday XX/XX/XXXX to see if the pre-authorized debit had been taken out, and it had. Unsure why the pre-authorized debit had taken an extra business day to post to the account, I called the bank. My account was positive at this time on XX/XX/XXXX. I was looking at the account on my tablet as I spoke to a rep ( there should be a recording on XX/XX/XXXX of this conversation ) who also assured me that the large pre-authorized debit which should have been taken from my account on the scheduled date of XX/XX/XXXX had actually been PAID and POSTED that day, XX/XX/XXXX. We could see there were other PENDING OUTSTANDING debit items on hold ( which do n't incur overdraft fees, you just make sure the money is in the account prior to them being posted ), but my account was NOT NEGATIVE. The next day on XX/XX/XXXX, the items had been re-arranged to show that they were NOT ON HOLD ANY LONGER for XX/XX/XXXX but they actually were showing PAID on XX/XX/XXXX ( even though they were purchases made well AFTER the pre-authorized debit that had showed paid on XX/XX/XXXX ). This resulted in a fee of {$35.00} and a subsequent sustained overdraft fee of {$30.00}. I called the bank and told them that I disagreed with how the transactions were processed and that I wanted a rebate of the fees. I was told that since they had rebated a fee previously for the same issue, ( being told an item was paid but it actually resulted in an overdraft and it should not have ) I would not be able to have the fees reversed. A few years ago, I remember this bank having an issue with the way transactions were posted which resulted in them collecting fees on consumers ' accounts that they should not have which resulted in a class action lawsuit to reimburse their customers. I think something similar is happening again.