davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-11-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (FL)

Please note that I have tried every possible way to resolve this matter amicable over the past 5 years. I have used attorneys and attempted to resolve the matter with the courts. At this moment I have faced XXXX foreclosure sales both of which i was able to stop and the XXXX is now scheduled for XXXX XXXX, XXXX. In an effort to stop this one my attorney asked me to file this complaint and if that did not work I was going to file another montion and or a lawsuit against the bank and the lawfirm for illegally attempting to foreclose on my property all teh while I have been in negotiations with both the attorney representing the bank as well as in negotiations and discussions wiht the loan servicing company. As of date i have submitted an offer letter to settle the loan in liuie of forelosure, i have submitted to the Attorney a offer letter in writting and in email format and to teh servicing company Financial information for my current fiscal year XXXX and tax information for XXXX, XXXX and XXXX fiscal years including a letter of representation from my accountant. I have email and faxed the document multiple times. As such the representative from the servicing company assured me that the foreclosure would be stopped and to this date it is still pending. I am writting to you to assist me with stopping this foreclosure procedding and investigating as I am compelled to clain that they are violating my right and potetntially ignoring my efforts to settle this matter amicable. 
As I have stated I have spent money on attorney to assist me and yet still they do not work in any minigful way to resolve the loan default status. I continue to waste money and time fighting this. I have made an offer of XXXX to settle a loan amoutn of XXXX but to now I can not get a response from any one including the attorney of record and the bank or its servicing company. 

Please not if I can not get assistance in stopping this foreclosure, i ahve instructed my lawyer to suit the attorney and the bank for violating my right under the protections granted me under teh Consumer Financial protection act. 

Best regards, XXXX XXXX XXXX
Consumer complaint received 2015-11-02
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade and their affiliates can not be trusted. XXXX states that to resolve a dispute ( my account was hacked ) I am required to file arbitration. However, XXXX will not provide me with an arbitration agreement. Because of this and many other issues, I am refiling this complaint against Scottrade for the fifth time with the CFPB. 

Consumers beware, I have filed more than XXXX complaints against XXXX trying to get a copy of the arbitration agreement and each time XXXX responds with a boilerplate letter saying " we consider this issue closed and will no longer be responding ''. 

I would like to file arbitration against XXXX. XXXX has refused to provide me with a copy of the arbitration agreement. Can you please provide a copy of the arbitration contract.
Consumer complaint received 2015-04-08
Product: Mortgage — VA mortgage
Issue: Application, originator, mortgage broker — 
Company: NAVY FEDERAL CREDIT UNION (VA)

I called Navy FCU to get a quote on interest rates for a 30 year fixed VA loan. 
They told me they could only give me their published rate off their website 3.125 % with XXXX point and XXXX origination. 
I told them I would like to look a less expensive option. 
They told me unless I was a member they would not give me rates They told me to go to XXXX and buy a XXXX day membership then they would talk to me. 
As a Veteran and a borrower I should not have to buy a membership to get a quote. I had already told them I was eligible for membership but did not want to open an account till I knew if I wanted them to do my loan. XXXX was very XXXX and by his tone was clearly telling me " O WELL '' I had called the week before and had gotten the Quotes I had requested. 
Needless to say I was very irritated.
Consumer complaint received 2015-09-11
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

Specialized Loan Servicing acting as the Servicer has failed to meet all of its requirements under HBOR and is attempting to illegally foreclose on my personal home by selling it at auction on XXXX XXXX, 2015. The direct violation of HBOR law is based on Specializing Loan Servicing improperly and unfairly reviewing my loan modification request for relief. i have submitted a complete loan modification direct via fax and have been forced to resubmit the same package several times. in addition, Specializing Loan Servcier has repeatedly denied me help several times and i never get a single person to answer my questions honestly or directly. They always have XXXX of people pass of my file amongst each other just to create motion and delays. i intend to keep my home and i meet all eligibility criteria. They have never offered any help or relief and continue to threaten to take my home. Specializing Mortgage illegally commenced and is conducting a foreclosure while reviewing or without attempting to find workout relief options for myself. they have mishandled my documents and file several times and failed to properly communicate with me throughout the process. they simply wish to foreclose and kick me out on the streets. they have clearly violated HBOR specifically under the dual tracking clause. Specializing Loan Servicing instructed and allowed foreclosure trustee named XXXX to illegally start foreclosure on my property. The Specializing Loan Servicer and know your options website gave the result that i am eligible for a loan modification with a lower payment to save my property. so there is no reason why Specialized Loan Servicer should have denied my request or started foreclosure on my home.
Consumer complaint received 2015-04-08
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (NY)

On XXXX/XXXX/15 I contacted quickenloans ( QL 'S ) for a HARP Refi and was told I was approved but needed to pay $ 400- {$500.00} for an app fee. I advised that I wanted to discuss my options with spouse before proceeding. After discussing and contacting my mortgage Lender I decided not to proceed with QuickenLoans. I called QL 's, the representative was very persistent and matched the GFE of my lender. Since my lender offered no costs upfront, application or appraisal fees as did QuickenLoans I called back to cancel. The representative ( XXXX XXXX ) tried to match the offer by reducing closing fees to compensate so I asked for GFE ( this was now the XXXX business day ). I was informed that I needed to pay the above referenced fee to proceed ( this fee was requested on the original conversation ). I contacted CFPB to learn my rights and promptly contacted the XXXX 's rep, he informed me that I misunderstood what he said ( this was the XXXX thing I questioned and got that response ) I stated that I no longer wanted to proceed because I was disappointed with the way they conduct business and could no longer trusted them. XXXX still continued to push as to why I will not let them same me money and at no time offered to send the GFE although it has now been 4 business days since the original conversation. He even stated that all he did was take my info which I disagree with because for our conversation I believe an application was taken because be ran our credit reports and spoke to my spouse to confirm application information. Further no disclosures were sent to me my way of mail or e-mail. For comparison my discussion with my Lender XXXX and QL 's have been the same and I have received countless e-mails and mailings with disclosures from XXXX and none from QL 's. XXXX further comparison, when I informed XXXX that I needed to discuss with my spouse before moving forward I was informed that they understood that I needed to make an informed decision and to get back to them as soon as possible if I wished to proceed ( P.S. I received a GFS within XXXX mins of the call with XXXX XXXX
Consumer complaint received 2015-09-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: PORTFOLIO RECOVERY ASSOCIATES INC (MD)

i got a bill from a debt collector co today XXXX/XXXX/2015 saying that they are working for XXXX XXXX the phone co XXXX i call XXXX and asked about this bill and the co trying to collect this bill for them.. XXXX bill was 5 years old ) AND PAYED..i was told by XXXX that they never gave the right to this in thair and the bill was very old and payed..that bill collector is portfolio recovery associates llc of XXXX va using a XXXX XXXX XXXX XXXX..this bill is NOT DUE them or XXXX it was payed it looks to me that this co is just looking to get money not due them, and now it showes up on my credit report too..what can a person do to stop this type of thing ..they are useing my credit report to get money out of pople how they dod this on bills not due ...
Consumer complaint received 2015-10-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: M&T BANK CORPORATION (NJ)

We requested a reduction in our mortgage payment to our mortgage company in XXXX due to our fixed income. Our mortgage company put us in a trial period in XXXX and established an escrow account. We never agreed to the trial period or the escrow account. Once the trial period was over, they started foreclosure and began returning our payments. They sold our mortgage to another company end of XXXX. They removed the escrow account in XXXX but because of the late fees, returned payments, legal fees, missapplied payments, etc., they began returning payments also. Countless efforts of resolving this have forced us to be delinquent through no fault of our own. This new mortgage company has now started foreclosure. We always have and continue to pay the required payment every month and have been sending them certified return receipt. We are elderly and have been trying to resolve this. It is very taxing on our health and need some resolution.
Consumer complaint received 2015-10-31
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

I would like Scottrade and Scottrade Bank to review their security policies and provide clarification on the following issues:1. ) Scottrade and Scottrade Bank claims in their Online Security Guarantee that Scottrade and Scottrade Bank have the right to review a computer in the event of an account takeover event, in what cirumstances will Scottrade and Scottrade Bank utilize this and how long does Scottrade and Scottrade Bank typically hold the compute for. 
2. ) Has Scottrade and Scottrade Bank fully vetted and confirmed the fidelity of information and services provided by XXXX. I would assume since XXXX is being investigated for a criminal matter that Scottrade and Scottrade Bank at least reviewed their use of XXXX as a third party service provider. 
3. ) How often and on what dates have Scottrade and Scottrade Bank updated their online Security Guarantee. 
4. ) Does Scottrade have any plans to implement two factor authentication? 
5. ) Review attached.
Consumer complaint received 2015-04-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (FL)

I made my XXXX mortgage payment early in XXXX 2014 to XXXX XXXX XXXX. I then received notification that as of XXXX XXXX, my loan servicing was being transferred to PennyMac. My XXXX payment was never transferred to the new servicer, and now I am getting notices that I am in pre-foreclosure, I have had 30 day lates reported to my credit report, and I have been assessed late fees monthly. I have called and spoke to PennyMac multiple times, along with the numerous phone calls and letters they contact me with accusing me on being behind on my payments. This has been going on for months, and they seem either unable or unwilling to resolve this.
Consumer complaint received 2015-10-30
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SCOTTRADE BANK (CA)

Their system seizes up several times a day making a quick trade near impossible. The entire money balance, even if you are sitting on all cash, fluctuates wildly right in front of your eyes. Limit orders do not kick in and then they blame a " fast moving market '' even if the market is slow and records show that it crossed higher than your limit sell price ( if you were trying to limit sell for a profit ). Anything that goes against you in the system, they blame you - nothing they do is ever wrong according to them. 

On XXXX XXXX, 2010, they blamed fast moving markets for the now acknowledged technical glitch and refuse to reverse any erroneous trades. Each transaction has to be baby-sat because their system is weak and potentially very dangerously flawed or worse, intentionally corrupt. When first setting up the account, they shredded valuable documents that had to be all redone. That should have been a huge red flag. This caused financial losses.
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

After XXXX attempts to consummate a short sale for this property, for XXXX reason or another Bank of America was unable to proceed. After finally figuring out that BofA did not want a short sale, I quickly applied for the deed-in-lieu program. The investor, XXXX, has approved the deed -in-lieu but BofA has declined the process. The sale date is scheduled for XXXX/XXXX/2015. I have called as many agencies as I could to stop the foreclosure so we could consummate the XXXX. I have also filed a pro se motion with the court to postpone the sale date to give ample time to finish the XXXX. All paperwork is in and XXXX is willing but the servicer is unwilling to co-operate. What is my next step?.
Consumer complaint received 2015-10-31
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

I contacted Capital One, applied for and was approved for a securedMaster Card. I submitted a payment of {$500.00} and received my card laterin the mail. upon receiving my card, I began using it for purchases untilclosely reaching my max limit, at which point I contacted them andsubmitted a payment for the full balance of the card as well asadding an additional password for security. Shortly thereafter, I madean attempt to use the card without success. I contacted CapitalOne and was transferred to the fraud department for further identityverification. After answering all identity questions, I was told it was not enough, and I would need to submit proof of my identity through a secured link and it would take 1-2 business days to clear up. Information was sent in this sequence, all per requestof a Capital one fraud specialist : First I sent a photo copy of my drivers license. Was told two days later that it was too small and needs to be bigger because the address wasnot legible. I then sent another, bigger, copy of my drivers license. Wastold two days later that I need to send a copy of my license and socialsecurity card. After submitting a copy of both, I was told I also needed tosubmit a copy of a utility bill for proof of residency. I informed them that I moved in with my sister, and the utility bills were in her name. Atthis point, I inquired as to why my address on my account matchingthe address on my drivers license would not be sufficient. I was then transferred to an account manager who informed me that the addresson the drivers license would be sufficient as proof of residency, andI just needed to wait 1-2 business days for it to be verified. Uponcontacting them again two days later, I was told that I needed tosubmit a scanable copy of the front and back of my drivers license, or go to a bank and have them verify my identity over the phone. 
I attempted this with XXXX different banks, without success, as thebanks say that it is against their policy, and they have never evenheard of banks doing this. At this point, I submitted many large, legiblecopies of the front and back of my drivers license, as well as a copy ofmy social security card, and a " notarized '' copy of my banking form, ona bank letterhead, verifying my account at the bank, as well as mycurrent address. It has been 3 days since I have submitted all this information, and now when I contact them, I either get hung up on, placed on hold with no one returning to the line, told they did n't receivethe information, which had already been confirmed received, just waitingfor review, or told the management department which does the verifyingwas unable to take the call. I have even attempted to cancel the cardand have them fund the money back to the bank account it came from, also with no type of success. The last attempt I made to contact them inregards to this matter, I was told that they, themselves, could n't evenaccess my account until all the information was verified.
Consumer complaint received 2015-04-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: MarkOne Holdings, LLC (TX)

In XXXX 2015 I sent {$1500.00} along with my regular car payment of {$300.00} for XXXX, 2015 to my car loan company ( Mark One Financial ). Along with the {$1500.00} check, I wrote a letter stating that the {$1500.00} was to go toward my principle. I had also written that in the memo of the check. Today I get a statement stating that my next payment is due XXXX 2015 and my payment only {$31.00}. I called Mark One Financial and spoke with XXXX, who would not give a last name. I asked her why my {$1500.00} had not gone to my principle. She stated that all payments would pay the interest XXXX. I told her it was not a regular payment and that I had sent a letter with that check stating that it was to go toward my principle. She then stated that their system did not work like that. I became upset so she put me through to her manager XXXX XXXX, who has no XXXX name, she stated the same thing. She brought up the contract, so I asked her where in my contract does it state that. She said she did n't know she would have to look at it. She then asked me if I was going to get upset over {$17.00}? Now I 'm furious, no where in my contract does it state that any principle or prepayment would go to pay interest XXXX I then told her that I would be filing a complaint, to which she stated she would be contacting her attorney. I told her good and hung up.
Consumer complaint received 2015-10-30
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MD)

On XXXX XXXX 2015, A Navient representative called me on my cell, stating that he would finally be able to grant an affordable loan agreement for me. He identified himself as a supervisor, and told me we would be able to resolve my issue that day. To my surprise, this was the start of a financial scam I am certain was geared to diminish credit, confine me to a loan delinquent status, and secretly place me in a corrupt program that is designed to keep people in the dark about their loan status until it 's too late. Please see attached documents for my full case.
Consumer complaint received 2015-09-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (SC)

XXXX XXXX has a loan with Green Tree. XXXX XXXX had got behind due to some financial difficulties. XXXX XXXX called Green Tree and spoke to the lady over his account, # XXXX, XXXX XXXX XXXX XXXX had to call me on the phone XXXX way, meaning XXXX XXXX, XXXX and myself were all on the line at the same time but at different places, to verify him using my debit card. I told her that I did verify the transaction of {$3400.00}. XXXX XXXX XXXX ran the transaction and she said the it would not go through because my bank probably had a limit set. I asked XXXX XXXX if I could just give her my account information and do it as an ACH, XXXX XXXX then put XXXX XXXX and I on hold to ask her boss if she could do that. XXXX XXXX returned and said that her boss AGREED and I gave XXXX XXXX my information and she processed it. Green Tree took the {$3400.00} out of my checking account on XXXX/XXXX/2015. XXXX XXXX told us that all legal and late fees would be added to the end of the account and it was up to date. Next payment was due XXXX/XXXX/15. 
On XXXX/XXXX/15 XXXX XXXX called XXXX XXXX to get his account set up online so that XXXX XXXX could make payments online, and was told by XXXX XXXX that XXXX had bought out Green Tree and they was not excepting the agreement that was made and that the money would be put back into the account that it was taking out of, XXXX XXXX stated that it was start Tuesday XXXX/XXXX/15?!?! XXXX XXXX also stated that she was no longer over the account and could not help XXXX XXXX. As of today XXXX/XXXX/15 my money still has not been put back into my account. Not only was an agreement made and money already accepted, when XXXX XXXX and I call about the account and money, XXXX XXXX and I are put on hold and transferred to others representatives that can not tell us where the money is. I, myself, called today XXXX/XXXX/15 to XXXX Ext. XXXX and spoke to a XXXX. XXXX XXXX verified account number, phone number and asked who he was speaking with and I told him that I was not on the account but I had XXXX XXXX hear beside me. First thing he said is the account is {$3400.00} behind how would you like to handle this. My response was that I had already paid that and it was being returned. Then after I tell XXXX XXXX what is going on he then tells me oh I see and yes now with XXXX they do require legal and late fees up front. Why was that not told in the total then? XXXX XXXX was told that {$4500.00} is due by XXXX/XXXX/15 or they are taking his home back. I want my money put back in my account ASAP and not every will I ever do business with XXXX.
Consumer complaint received 2015-09-10
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Universal Recovery Corporation (CA)

I am trying to make good on my payment with Universal Recovery XXXX, and I called them to pay the debt but I requested that I would like to make good on my debt IF, they would take my debt off, and clear my account so that it does not show up on my credit report anymore. Universal XXXX told me that they would not be willing to guarantee that. I asked them " why would anyone want to may the debt if it is not going to positively or accurately be displayed on their credit. Here I am trying to pay my debt. I also tried asking them if they would be able to mail me a letter stating that upon receipt of payment, we will take off the debt collection. They would not do that. What do I do?????
Consumer complaint received 2015-11-02
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: EQUIFAX, INC. (OH)

My name is XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX, I noticed that somebody most likely my Brother, XXXX has been trying or it may be possible that he has used my name!! Whom ever is using the XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX. I have never been there in my life, my brother XXXX lives there, I was told that he also used my nephew XXXX 's name to make fraudulent charges in the past!! Whom ever has also been using the name, XXXX XXXX, my phone number is XXXX, cellphone, home XXXX XXXX, Thank you!! Please prosecute!!! XXXX XXXX XXXX.