davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (AR)

My husband and I both lost our jobs in 2008. We immediately called our mortgage company - XXXX XXXX XXXX. We were told that we would not be eligible for any assistance with the issue until we were 90 days delinquent on our mortgage. We used all of our savings to keep the payments current as long as we could. Once we became 90 days delinquent we called them again to seek assistance. We were then told that we DID'NT MAKE ENOUGH money to for a mortgage help. After missing a few more payments - we XXXX found new jobs! So with our first pay checks we sent in a full payment- It was accepted. At that same time we asked XXXX for some kind of help or modification to help us get caught up. We were then told that we made TOO MUCH money to receive any mortgage assistance. In desperate effort to get caught up we sent in a second full payment 2 weeks later ( we decided to not buy food or other essentials to scrape it together XXXX. The actual check was returned to us uncashed stapled top a letter saying that we were too far behind now and were in foreclosure. After many months and with the help of XXXX XXXX and XXXX XXXX XXXX - on the day before or home was to be auctioned we received a mortgage modification packet fro XXXX. Desperate to keep our home - we signed it. Basically, all it did was tack the back payments and fees onto our loan. So we began making payments. We lost our jobs for the second time a few months later. With no more savings from our first job loss I assumed our home was surely lost. We are still here but after many, many submissions of requests for mortgage modifications - we are now in foreclosure again. I do n't why it has taken so long. Also, during the past few years I looked into a short sale and learned that due to the previous mortgage modification and decline in home values the appraised value of our home is about {$80000.00} under what we owe on our mortgage. So, I have also requested a mortgage modification that includes principal reduction to no avail. My goal is to get a mortgage modification that includes principal reduction to a fair market value on my home. WE are now able to make payments and would like some help with the matter. I would alos like an investigation into my many attempts at requesting mortgage assistance because I suspect that at some point in all of this we must have been eligible for assistance but our paper work was either purged or not even actually considered. If this is true then we would not be in this situation in the first place.
Consumer complaint received 2015-10-05
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: ONEMAIN FINANCIAL HOLDINGS, LLC. (TN)

On XX/XX/XXXX, My wife and I took out a 2nd mortgage loan with XXXX Bank. After a few years, the loan was transferred to American General Finance, which was purchased by Springleaf Financial Services. Springleaf is where my problem started. 
I XXXX was delinquent with my 2nd mortgage. Springleaf 's local office transferred my loan to the main office in XXXX, Indiana, but only AFTER they paid off my first mortgage, which was with XXXX Mortgage, without any communication with me at all. I only found out when I received an amended declaration from my homeowners insurance company dated effective XX/XX/XXXX. I do n't think the way this was done, by " stealth '', was legal, so consider this part one of my complaint. 
Then, I applied for modification of my loan with Springleaf three times, and was turned down each time, until I spoke with the man who was in charge of modifications, and told him that since my modification was declined, that I intended to explore legal action about the way my first mortgage was paid off. Magically, I received a call from the same man the next day informing me that aftyer reconsideration, my modification was approved. 
My modification was done XX/XX/XXXX. 
When it was done, I received NOTHING regarding the funds used to pay off XXXX Mortgage ... no Settlement Statement ... nothing at all. In fact, I have NEVER received ANYTHING regarding this payoff. 
My contention is that since funds were advanced to reimburse Springleaf for the payoff of XXXX Mortgage, the modification was actually a cash out refinance loan, and I received no RESPA documents ( settlement statement, etc ) and should have been given a 3 day right of recision, which I was not. 
My loan was transferred to XXXX XXXX XXXX, against whom I have already filed a complaint with you XXXX XXXX # XXXX XXXX, and XXXX is denying any culpability, since they are the servicer and did not actually do the loan. I sent XXXX notice that I wanted to rescind the loan well before the 3 year time limit, and their first response was that the loan was from XX/XX/XXXX and therefore not eligible to rescind, even though the modification was done XX/XX/XXXX 
At any rate, the 2nd part of my complaint is the lack of RESPA and right of recision from Springleaf.
Consumer complaint received 2015-08-28
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (PA)

We are finishing up putting XXXX of our children through college- all with multiple loans which we cosigned for and some have now released us as cosigners. It is an impossible task to not get financial aid and to do this without loans! Our children have been good about paying them and when fallen behind- we help if possible, Since I had a XXXX last year, I ca n't keep helping and our son XXXX has had some work decreases this year due to Obama 's ridiculous energy rules and he got behind on two payments that we cosigned for. We have been on these loans for 7 years- now our credit score dropped XXXX points yesterday due to Navient refusing to remove us from this loan and our son is so discouraged because he can never get ahead between the late fees and interest payments he then has to catch up on. This is a brutal process and leads one to just walk away from responsibility when they ca n't and wo n't cut any slack! HELP!!!!! None of us can do this anymore and we should be removed from these loans NOW- we ca n't keep getting upset - we paid these loans for a long enough time when he needed it but since this stroke- it is the cause of constant upset and turmoil which is only adding to my XXXX health. Please get them to help our son see the light of day and get our name removed from these Navient loans so my credit score stops dropping due to these ridiculous people.
Consumer complaint received 2015-06-05
Product: Credit card — 
Issue: Delinquent account — 
Company: Army and Air Force Exchange Service (LA)

I AM EMAILING YOU IN HOPE OF BEING ABLE TO RESOLVE AN ISSUE I AM HAVING ON MY CREDIT REOPORT. I AM IN THE PROCESS OF TRYING TO BUY A HOUSE AFTER MY XXXX FROM THE XXXX. I AM XXXX AND HAVE BEEN LIVING WITH MY INLAWS FOR THE PAST 6 MONTHS WITH MY FAMILY SO THAT I CAN REPAIR MY CREDIT AND PAY OFF AND GET CURRENT ON ALL OUR BILLS AND CREDIT ISSUES. I WAS ALMOST DONE WITH THE CLOSING OF A HOUSE WE REALLY WANTED TO SPEND THE REST OF OUR LIVES IN AND THE V.A. APPROVED OUR LOAN EARLY ON IN THE PROCESS. WHEN AT THE BEGINING OF THIS WEEK THE UNDERWRITER PULLED MY CREDIT A 90 DAY LATE PAYMENT SHOWED UP ON OUR CREDIT REPORT THAT HAD FELL OF THE REPORT AND THE UNDERWRITER DENIED US FROM GETTING THE HOUSE. DUE TO THIS WE ARE LOOKING AT LOOSING THE HOUSE WE ALL FELL IN LOVE WITH. I UNDERSTAND THAT I DID HAVE A ISSUE WITH THE PAYMENTS DURING THE TIME I WAS IN TRANSITION FROM THE XXXX LIFE WAITING TO GET THE XXXX PAYMENTS STARTED FROM THE V.A. AND XXXX. I WISH THAT WOULD NOT HAVE HAPPENED AND I DO UNDERSTAND IT WAS MY FAULT FOR THE LATE PAYMENTS I AM IN NO WAY TRYING TO DISPUTE THAT. I AM WRITING YOU TO SEE IF YOU WOULD PLEASE REMOVE THE 90 DAY LATE ON MY CREDIT REPORT THAT HAS POSTED AGAIN ON MY CREDIT REPORT. IF YOU WOULD PLEASE LOOK AT MY WIFES ACCOUNT AND MINE YOU WILL SEE THAT MY WIFES ACCOUNT IS COMPLETLY PAID OF HER NAME IS XXXX XXXX XXXX. I PAID {$1400.00} AS A LUMP SUM PAYMENT TO GET MY ACCOOUNT DOWN TO {$110.00} AS ADVISED BY MY FINANCE COMPANY. HE WAS TELLING ME THAT THE CREDITOR CAN TAKE THE 90 DAY LATE PAYMENT OFF OR ADJUST WHAT IS POSTED ON MY CREDIT REPORT. APARENTLY WHEN MY FINANCE AGENT PULLED MY CREDIT THIS 90 DAY LATE WAS NOT ON MY REPORT AND NOW WHEN THE UNDERWRITER PULLED MY CREDIT IT WAS ON THERE AND STOPPED MY FAMILY AND I FROM BUYING THE HOUSE. I HAVE BEEN WORKING REALLY HARD AND PAYING A LOT OF MONEY TO BE ABLE TO MAKE OUR DREAMS COME TRUE BY BUYING A HOUSE OF OUR OWN AND FINALLY SETTELING DOWN AND RAISING OUR XXXX YEAR OLD DAUGHTER. PLEASE I KNOW YOU DO NOT HAVE TO HELP ME AND FIX THE ISSUE WITH THE 90 DAY LATE PAYMENT BUT I AM PRAYING THAT YOU WILL PLEASE SHOW ME SOME COMPATION AND FIX THIS ISSUE WITH MY CREDIT REPORT SO THAT MY FAMILY AND I CAN FINISH THE CLOSING ON THIS HOUSE OR IF WE MISSED THIS HOUSE BE ABLE TO GET THE NEXT XXXX SO WE CAN MOVE OUT ON OUR OWN. THANK YOU FOR ANYTHING AND EVERYTHING YOU CAN DO TO HELP RESOLVE THIS MATTER AND I THANK YOU FOR YOUR TIME AND SERVICE XXXX. CAN YOU PLEASE ALSO GIVE ME THE TIME OF MONTH YOU POST ON CREDIT REPORTS? XXXX BLESS AND THANK YOU.
Consumer complaint received 2015-08-30
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (CA)

A Credit Card with XXXXCitibank showed up on my credit, I do not remember ever having this credit card. They have charged it off on my credit report and I recently disputed it. They have now turned it over to XXXX XXXX XXXX and is now showing up on my credit report as both XXXXCitibank and XXXX XXXX XXXX. The credit report is showing the last payment made to XXXXCitibank was back in XXXX of 2010.
Consumer complaint received 2015-08-31
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BB&T CORPORATION (SC)

I sent in information for a loan modification. The person who was handling my loan modification left the company. Now my calls are not being returned. My check was returned and my loan is now in default. Also, while I was waiting for an answer to my loan modification, a second signature was requested for the tax form. I have requested a loan modification in the past, ( I cancelled the loan modification because I did n't agree to the terms ) and I did not have to have a XXXX signature. It clearly states on the form that a XXXX signature is not required. I have called the company several times, and they have refused to return my calls. I have no idea why they are refusing to talk to me. I do n't understand it. I ca n't be that bad of a customer. I am not mean or rude to anyone.
Consumer complaint received 2015-05-02
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SYNCHRONY FINANCIAL (TN)

I have a debt that belonged to my Ex Wife that she was able to acquire while I was XXXX. She used my information to acquire a Care Credit acct with a General Power of Attorney and got XXXX. Shorty after returning from combat she divorced me. In our divorce decree she is entitled to pay the Debt. However, After years of it being on my credit report I decided to settle the account with XXXX XXXX. I was promised that they would send me proof that the debt is paid and it has been more than 3 months and I have called XXXX times and they still will not do what they promised. They told my I would receive an email I did n't receive it. I was told I would get a fax, I did n't receive it. It was supposed to have been sent out on XXXX separate occasions, which I never received. They ruthlessly called me at my job and also called my cell phone after asking them not to. I am extremely emotional right now and need help. Please help me get this straight that no one else has to be put through this. All I want is to not have to think about the fact that I had to pay a debt for my ex wife to be able to feel better about her self. My life however has been torn apart for 6 years. I want my life back. I want this to stop. XXXX had no issue taking the XXXX dollars out of my account but refuse to report the proper information to the credit agencies. Please help me. 

XXXX XXXX XXXX XXXX XXXX ) XXXXXXXXXXXX
Consumer complaint received 2015-10-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Need information about my balance/terms
Company: WELLS FARGO & COMPANY (NY)

I attended XXXX University between XX/XX/XXXX and XX/XX/XXXX to earn my XXXX and a XXXX. To finance my education, I paid with a mix of federal and private loans, as well as my personal finances. My private loans were issued through Wells Fargo Bank ( although I had come to Wells Fargo through XXXX ). After applying for my loans, I never received any correspondence from Wells Fargo. I was given no account information to view my loans online, and even when I tried to track this information down online by entering other personal information, like Social Security number, birthdate, first and last name, their online system could not link me to any account ( which I find odd considering almost every other banking institution can retrieve your account information from your personal information filled out in your account applications ). 

Having never taken out student loans previously, I was not completely understanding of how the process worked. Since my loans were then issued and distributed through XXXX University 's financial aid office, I did n't suspect any issues or negligence on the part of the bank. 

My loans will soon fall out of their grace period next month, and after having still not been contacted by Wells Fargo, I called to find out any information. In speaking with several loan service officers, I learned I DO in fact have an account number, which had never been given to me through any correspondence. I learned my mailing address had been incorrectly recorded in their system, and so I had never received any snail-mail correspondence that would have provided information to access my online account. 

I was never emailed nor mailed ANY statements notifying me of quarterly interest payments, which I could have been making ( and DID make on my federal loans ) during school. 

I have now accrued nearly {$10000.00} in interest that I was never notified of, and the bank accepts culpability for mailing loan disclosure agreements to the wrong address and for also failing to EVER correspond with me through email so that I could access my online account. 

I understand from the XXXX XXXX XXXX 's XX/XX/XXXX article ( XXXX ) that Wells Fargo has been under investigation by the CFPB, so I am submitting my case to help further this investigation. 

If the bank will not allow me the opportunity to make retroactive payments on the interest that I was given no written ( or otherwise ) notice of, I do plan to take legal action.
Consumer complaint received 2015-10-06
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (CA)

I DISPUTED THE XXXX ACCT XXXX as inaccurate/incomplete : that there isno date closed, no last pymt date or amount, no chargeoff date or amt, no date of last activity. 
without those dates I can not proceed against the creditor for usurious charges beyonddefault rates from the date account was closed to further purchases and the subsequent chareoff.the charges are more than double the credit limit " as if it were a payday loan '' but it was just a standard credit card.the investigation results say these were all updated, yet they are blank.
Consumer complaint received 2015-07-29
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Terrill Outsourcing Group (DC)

Some lady from " Superlative RM '' called my parents in NC trying to find out where I can be located. However, I spoke to a representative of SM a week ago regarding some payday loan debt that I do not owe and asked them to send me a letter in the mail. I did receive a letter, but why are they contacting a third party when they have talked to me directly over a XXXX ago.
Consumer complaint received 2015-10-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (MD)

During the month of XXXX 2015, I made multiple payments XXXX using electronic bill pay XXXX on my existing mortgage with Wells Fargo Bank in the amount of {$880.00} and {$1700.00} for a total of {$2600.00}. The total monthly amount due for the XXXX mortgage was {$1600.00}. Once I noticed the over payment, I called Wells Fargo on XXXX XXXX and spoke with a supervisor ( XXXX XXXX ) to inform him that I overpaid on my account and that I wanted the credit in the amount of {$950.00} returned to me. I gave XXXX XXXX my XXXX XXXX XXXX account number and routing number. He assured me that he was going to open a work order to have the funds returned to my account. I waited 5 business days and called Wells Fargo on XXXX XXXX and spoke with another supervisor in customer service ( XXXX ), and she informed me that Wells Fargo could not return the {$950.00} ( that they fully admit is a credit ) to me because their accounting system would only allow them to return the full amount ( {$1700.00} ) that was paid on XXXX XXXX. Upon hearing the explanation from the supervisor, I told her that I was not a person of enormous means and that I would accept a paper refund check in the mail from Wells Fargo instead of an electronic deposit to my account. XXXX told me that Wells Fargo would not send a paper refund check due to their accounting system. I ended the conversation by informing the supervisor that I would file a complaint with CFPB.
Consumer complaint received 2015-10-08
Product: Debt collection — Federal student loan
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Navient Solutions, LLC. (NY)

Navient is calling my cell and my work phone multiple times a day. I have asked them to stop calling my work phone because it is interfering with my job. They call me everyday and usually XXXX times a day, even if I talk to them they will call again a few hours later. I have asked them to stop contacting me many times and i will call them to make arrangements because I am unable to negotiate terms with them because they want too much money. I have told them they are harassing me.
Consumer complaint received 2015-03-28
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: U.S. BANCORP (MS)

UPDATED COMPLAINT XXXX/XXXX/2015 I have been following my checking account for several days and was led to believe that there was more money in my checking account than was actually there. On Friday, XXXX/XXXX/2015 my account showed that XXXX outstanding checks in the amount of {$50.00} each had been paid and that I had a balance of {$24.00} approximately. I had XXXX ( XXXX ) outstanding check in the amount of {$25.00} and when I deposited {$13.00} electronically yesterday XXXX/XXXX/15 my account was overdrawn by the last {$50.00} check that my bank said was paid. I was charged {$12.00} and {$50.00} was withdrawn from my savings account to cover the over-drawn check. Now my account shows a balance of {$12.00}. I have been a loyal customer for years and I have never had any problems with my bank. Lately, I have been having problems with businesses that I had no problems with before such as my student loan lenders, XXXX. I had to file a complaint on them because they kept claiming to lose my applications for forbearance. I have been harassed by XXXX XXXX XXXX and have asked that they leave me alone. Despite my efforts to get them to leave me alone, they continue to harass/threaten me. It has gotten really out of hand. I even posted posts online asking them to leave me alone to no regard. This week my XXXX credit and XXXX accounts were hacked and I could not close out my checking, credit, or debit cards.. I had to call XXXX so they could close my account. 
How complaint can be satisfactorily addressedI am requesting that U.S. bank stop payment on check XXXX a lost check at their expense.
Consumer complaint received 2015-08-29
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: WELLS FARGO & COMPANY (CA)

On Tuesday XXXX XXXX {$18000.00} was electronically withdrawn from my business checking account, such was completely unauthorized and to a company whom I have no officiating with. It was n't until late night the XXXX XXXX, when I ram dimly logged into my account that I was aware of this. There was no fraud detection alert, and I was no notified of any unusual activity. When I called to report this I was helped and given a phone number to contact fraud detection so I could ask why I was not notified. I called this morning and was transferred from person to person for 2 hours, one transfer brought me back to the main menu of the call center, which means all of my transferring meant nothing, that was about an hour in. I finally got to talk to an apethetic banker. I asked why I was n't notified of unusual activity and his answer was " something 's are n't detected '' which totally negates any perpose for having fraud detection. I then tried to explain that I will be out of town before to 10 business days, in which they will investigate, are up and would be out of service. My concern is that if I had to answer any questions that I would be unavailable.he then out in a request to have my case be expedited, but I really do n't know if that has any validity. I am worried, frustrated, and feel unsafe working with Wells Fargo. Being a small business owner I have XXXX other things do to and worry about.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: U.S. BANCORP (CA)

I had a US bank account a couple years ago that was hit by fraudulent activity. I called customer service as was told my account would be closed and not to worry about it, a few months later I started receiving bills from them stating I owed over {$1000.00} in overdraft fees and that my account had not been closed. I called the customer service again and was told that the other guy did n't do his job and that if I did n't pay them right away they were going to report my account as being abused and fraud on me. I refused to pay as I had already been advised that I would n't have to worry about it. I have since had a XXXX XXXX 2nd chance bank account for over 2 years now and feel that I am forcing myself to suffer by not having a real account all because US bank feels it 's ok to rob people.
Consumer complaint received 2015-10-06
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

On XXXX/XXXX/2015 I opened a BofA checking account and made an opening deposit of {$5900.00}. I left later that day for my assigned XXXX XXXX XXXX for an upcoming deployment. I was XXXX, XXXX until XXXX/XXXX/2015. At which point I realized my account was drained. I filed a fraud claim and even after a Department of Defense memorandum from my XXXX, I was still denied numerous times.