davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SN SERVICING CORPORATION (WY)

SN Servicing Corporation provides mortgage servicing on a loan I took out in XX/XX/XXXX. The loan was to be interest only for the first 120 payments and then fully amortized after that. The amortized payments were to begin with the XX/XX/XXXX payment. However, SN Servicing failed to determine the new payment amount and showed a interest only payment due in XX/XX/XXXX. On XX/XX/XXXX, I called SN Servicing to see why they had not adjusted the billing amount for the fully amortized payment. XXXX XXXX, the service representative, stated that she would have applicable department determine the payment amount and she 'd call me back that day. After receiving no phone calls, I again called on XX/XX/XXXX, this time XXXX said she just got the information required and the new payment amount would be forthcoming. I finally received an email from XXXX on XX/XX/XXXX with the new monthly payment amount of {$420.00}. She also included the amount due of {$260.00} for XX/XX/XXXX since I had already paid the {$150.00} that was shown on the billing statement SN Servicing had provided previously. The next day I logged into my account with SN Servicing and made an ACH payment of the {$260.00} that was due. The payment posted that day along with a late charge of {$21.00}. It 's unbelievable that this company can fail to accomplish their contractual obligations, fail to provide information in a timely manner as they had promised, and then charge me a late fee.
Consumer complaint received 2017-06-22
Product: Mortgage — Home equity loan or line of credit (HELOC)
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

We are selling our home with a short sale due to us being unable to make the payments any longer. We have two loans, primary through XXXX XXXX  and HELOC through an investor being services by SLS ( Specialized Loan Services LLC ). Both XXXX and secondary lien holder have approved the short sale. XXXX has given us a deadline of XX/XX/XXXX to close the sale or they will begin foreclosure. However, SLS ( who do not own the loan but simply service it and get paid for it by the investor ) hs made everything possible to jeopardize the closing before the deadline. They have been very slow to provide documents needed for the closing, they have sent the wrong documents and despite daily calls from us and our realtor they refuse to meet the deadline for the closing. we feel they have been doing this intentionally because they get paid service fees for the loan and once the loan is closed they will no longer be paid. Their inaction is leading us to foreclosure and we feel we have done everything within our power to complete this short sale and avoid foreclosure. SLS is jeopardising this short sale, despite prior approval by all parties and we need your help.
Consumer complaint received 2017-06-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: TENET HEALTHCARE CORPORATION (TX)

I was contacted by a debt owed. I paid the amount they stated after written notice was recieve in the mail. The representative stated it would not be reported tot he credit bureaus if I made immediate payment, so I made payment as soon as I received an official notice in the mail. After checking my credit statement, I have found they did in face report to all three credit bureaus and even left the mark " Settle from less than owed ''. The original debt is marked as XX/XX/XXXX and I was contacted by them in XXX of XX/XX/XXXX
Consumer complaint received 2017-06-22
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Overdrafts and overdraft fees
Company: WELLS FARGO & COMPANY (NJ)

I was with wellsfargo for years.I was going to the ATM to get money that I thought I had. They always gave me the money and kept charging the overdraft fees. I have a XXXX XXXX and I was n't always keeping track of my account. I feel they took advantage of this.
Consumer complaint received 2017-06-22
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: SELECT PORTFOLIO SERVICING, INC. (VA)

Greetings! I am filing an official complaint against Select Portfolio Servicing , Inc., XXXX. XXXX XXXX, XXXX XXXX XXXX, UT XXXX for continuing lies and unprofessional attitude. I have an existing loan with SPS - XXXX and I have set up an automatic bill pay with my banking institution. In XXXX I made an accidental double payment in the amount of {$3500.00}. Once I discovered my error, I promptly contacted them and requested that they wire me back the money to my bank account on record, and have faxed them numerous times all the pertinent information - XXXX routing number, account number and the contact information of my banking institution. The last week has been, mildly speaking - XXXX on earth. Different reps telling me different stories, tossing me around from extension to extension, putting me indefinitely on hold and just dropping the connection at will. So, finally, they promised that today, XXXX I will have the check overnighted. To me, such an attitude where you tell your paying customer a whole bunch of lies and just never bothering to do the right things is just unacceptable!
Consumer complaint received 2017-01-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Used obscene/profane/abusive language
Company: FIRST HERITAGE CREDIT LLC (LA)

Some time prior to the initial incident, XXXX contacted me after I had already made a promise to pay. She contacted me the day prior, then again the day of my pay promise. I asked her not to repeatedly contact me unless I miss my pay promise. Once a pay promise is made and they make contact with me, I do n't believe I should be repeatedly harassed for the payment. XXXX, possibly the XXXX or XXXX, got on the phone with me and proceeded to DEMAND a post dated check. I informed her that I do n't have checks then she said that 's what they have to do. However, I had never been demanded a post dated check at this office. She basically attacked me and spoke to me like I was a child. I felt very attacked. I was then accused of using obscene language with others in the past, which I have never done. She claimed that XXXX expressed to her that I had cursed her out before. I informed her that was a lie. She then retracted and said that XXXX expressed I was rude, not that I cursed her out. During the course of the conversation, I was told by XXXX, " I can go at this all day. You ai n't gon na win, '' then " You just mad cuz I called you out on your mess, '' and " I do n't care because imma be ok after this arbitration, honey. '' She then accused me of speaking to her in such a manner because " she 's XXXX ''. She expressed that I spoke to her colleagues differently because she 's the only XXXX girl in the office. It is my understanding that she is new to the office, therefore, I 've never met her and only conversed with her via telephone. This was actually the first conversation I ever had with her. I had no way of knowing the XXXX of her skin and that is absolutely irrelevant and absurd. Never in my years working with First Heritage Credit have I been harassed, disrespected or spoken to in such a vulgar and obscene manner. Prior to this incident, First Heritage Credit has always been professional, sympathetic with my shortcomings, and willing to work with me to find solutions. It baffles me that they would employ such a negative representation with their company. I am absolutely ashamed of this company at this point and never want to do business with them again.
Consumer complaint received 2017-06-22
Product: Debt collection — I do not know
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Weinberg Mediation Group LLC (OH)

Beginning on XXXX XXXX, I started receiving robocalls from the debt collection company. I received at least XXXX calls on different days. The machines left messages on my line with the following text : [ we are calling from Weinberg Mediation Group ] and are trying to reach XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX [ different voice from the rest of the message ]. We have sent you correspondence and attempted to contact you on a matter involving your name and Social Security number but have received no response from either yourself or your attorney regarding this matter. We have decided to reach out to you one last time to give you the opportunity to be compliant and give your statement of intent to our office. Please be advised that if we do not hear back from you today I will no longer be able to assist you in a voluntary resolution. Contact the office immediately at XXXX. Good day! ( Note : The first part of the quote above is in brackets because the messages were cut off from the beginning of the voice mail and may not be an exact quote. In fact, I had to put in considerable effort to learn the name of the company because it was cut off in the voice mail. ) I received nothing in writing from the company and had no reason to believe they had a valid reason to call me. Because of that I decided to file a complaint with the Better Business Bureau XXXX XXXX New York instead of calling the phone number in the messages. The company 's response to that complaint confirmed that they were calling about a debt owed by another person with the same name as mine. I pointed that out in a reply, but the company ignored it. The company did consent not to call me again, but admitted no wrongdoing and maintained that the debt was mine. The company also submitted to the BBB a copy of a dunning notice they had sent to a different address. That was the only way I obtained a copy of the notice, which is attached.
Consumer complaint received 2017-06-22
Product: Debt collection — Credit card debt
Issue: Communication tactics — Used obscene, profane, or other abusive language
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

XXXX XXXX/XXXX/XXXX I contacted Weinburg & Reid Co. LPA in an attempt to set up payment arrangements. The representative said she was unable to work a paymnt plan out with me that I could afford.said if they garnished my wages they would get more. I ask to speak to a supervisor. I told them several times i could only commit to {$25.00} a month without losing my house. The supervisor was extremely rude and kept over talking me. I actually had to tell her she did n't have to be so rude. At that point I agreed to {$75.00} a month that i am going to struggle to pay starting XXXX/XXXX/XXXX. She stated she would have the paperwork sent to me and I needed to fill it out and send it back so they could file it with the courts. As of XXXX I had not received the paperwork. I call them back and the representative apologized stated she sees where I spoke to the supervisor, but the notes are very viege. Stated no paperwork was ever mailed out and the agreement was not noted. This representative was very polite and said she would get that out to me and I should have it by next week. If I would not have called my wages would have been garnished due to the supervisor not submitting the payment arrangement she agreed to with me.
Consumer complaint received 2024-10-14
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: MOHELA (WA)

FORGIVENESS TIMELINE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Everything before the year XXXX was forgiven XX/XX/XXXX Consolidation application by MOHELA MOHELA Consolidated all loans XX/XX/XXXX {$30000.00} XXXX XXXX, XXXX MOHELA receives my payment of {$23000.00} XX/XX/XXXX Letter from MOHELA saying XXXX loans are forgiven, apologies for the delay in reporting XX/XX/XXXX MOHELA emails, a new loan appeared and is already accruing interest. MOHELA emailed me saying that I now owe {$7300.00} plus {$20.00} in interest. 

XX/XX/XXXX I called Studentaid.gov and the XXXX says there is no debt remaining. 
I begin the complaint process through Studentaid.gov and my state ombudsman. 

XX/XX/XXXX The remaining debt appears on Studentaid.gov. There is no information presented to me on the websites showing where this student debt came from. 
Called STUDENTAID and spoke with XXXX. {$7300.00} is XXXX loan. Doesnt know why MOHELA didnt list the amount. 
She advised me to contact MOHELA and ask for money back in the hope that the loans will be forgiven in XXXX  years. 

Begin the process of trying to communicate with MOHELA. XXXX to XXXX hour waiting times on the phone, can't manage it. Try several times without success in reaching a XXXX. 

XX/XX/XXXX Submit the SAVE application for the second time ( the original SAVE plan application was submitted on XX/XX/XXXX ). 

Discover that MOHELA will not accept applications via online portal or fax, only by mail. No communication saying my application was not accepted via the studentaid.gov portal. XXXX communication from MOHELA. 

On XX/XX/XXXX, {$60.00} taken from my bank account. No warning by email, text, or mail by MOHELA, even though they have all these XXXX forms of contact information for me. Recived an email XXXX days later saying a scheduled payment is due soon! They already took my money. 

MOHELA has made several well-planned mistakes to prevent me from receiving XXXX 's forgiveness of my loans, paying {$23000.00} on my loans to have them dissolved completely ( this was my entire life savings ), and then 'finding ' {$7000.00} more and not communicating with me where these loans came from. I spoke to XXXX different MOHELA CSRs by phone, asking each if my loans were gone after making that large deposit. Each said congratulations, your loans have been paid in full! MOHELA is purposefully preventing me form honestly paying my loans off and receiving the loan forgiveness I was promised by the XXXX administration. 

Signed, XXXX XXXX XXXXXXXX
Consumer complaint received 2016-05-18
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: ORG GC GP BUYER, LLC (NY)

my student loans have been in default for a couple years. In 2014, I contacted the debt collectors for the loans and set up consistent payment plans. I turned in all the paperwork several times and even sat down with the consultants over a dozen times to fill out the paper work the exact way they needed it. They keep losing my paper work and kept telling me I needed more and more stuff to send in. Finally I talked with the manager and he gave me everything I needed to turn in and I completed it all. He told me that my student loans would take 6-8 weeks to be out of default. After not hearing from them for 3 months ( and still making my monthly payments which now was over 14 months of paying consistently ) someone finally called me and said I needed even more paperwork. I would like to start college again but I cant because these people will not get it together.
Consumer complaint received 2016-12-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: Santander Consumer USA Holdings Inc. (IN)

XX/XX/2016 XXXX XXXX XXXX XXXX SANTANDER CONSUMER USA XXXX, XXXX XXXX Re : Acct # XXXX X To Whom It May Concern : This letter is regarding account # XXXX X, which you claim MY ACCOUNT WAS CHARGED OFF {$13000.00}. This is a formal notice that your claim is disputed. 
I am requesting validation, made pursuant to the Fair Debt Collection Practices Act. Please note that I am requesting " validation '' ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. 
Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fair Debt Collection Practices Act FDCPA 807 [ 15 USC 1962e ] ; therefore, if you can not validate the debt, you must request that all credit reporting agencies delete the entry. 
Pending the outcome of my investigation of any evidence that you submit, you are instructed to take no action that could be detrimental to any of my credit reports. 
Failure to respond within 30 days of receipt of this certified letter will result in small claims legal action against your company at my local venue. I will be seeking up to {$5000.00} in damages for : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
For the purposes of 15 USC 1692 et seq., this Notice has the same effect as a dispute to the validity of the alleged debt and a dispute to the validity of your claims. 
Please Note : This notice is an attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter i sent to santander. they have not responded. They failed to send the document requested according to the above letter. i am hereby requesting they delete any negative report from all XXXX credit bureaus immediately.
Consumer complaint received 2016-10-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (TX)

I recently contacted Carrington Morgage Services Located at XXXX. XXXX XXXX XXXX, AZ XXXX and they are refusing to remove my PMI insurance from my account. Our Property appriasals from the XXXX XXXX show our home has increased dramtically in value to {$140000.00}. Our loan amount at this time with Carrington Mortgage is {$100000.00}. Loan to Value is enough for us to have this removed. I have already faxed them a formal request to remove this and they are refusing. They refuse to ackknowledge that my home is worth what XXXX XXXX is showing. I even faxed them proof of appriasal
Consumer complaint received 2016-12-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: States Recovery Systems, Inc. (VA)

I helped my parents move into a rented home and stayed with them a few months to help them settle in. XXXX years later, a check on my credit report revealed that the city reported me as a cosigner on the {$1300.00} electric utility bill debt they accumulated over the XXXX years after I left. Since I had never signed anything, I called up the city to ask why I was being held responsible for their debt. The city officials I spoke to, who refused to provide their names or positions, informed me that upon opening the utility account, the city had asked for the names and SSNs of all occupants at the time. I asked both officials if my parents had been informed that all occupants would be held financially responsible as cosigners. Both officials informed me that it was not policy to do so. This puts me at a loss for relief options as my personal information was provided without my knowledge or consent, yet the party providing it believed themselves to be under obligation to provide it and were not informed of the ramifications. 

Additionally, the debt collection agency has not provided me with any sort of debt validation, and is not willing to provide any consideration of the special circumstances surrounding this debt. The original creditor refuses to remove me as a cosigner unless I can prove I was not a resident at the time the account was opened.
Consumer complaint received 2017-01-29
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (NC)

I already submitted a complains 6 months ago, but the company, SunTrust, refused to acknowledge my dispute, so it 's just sitting there. They sold my auto loan without advanced notice to a sub prime lender with a horrible customer service track record. I was made aware of the sale, AFTER, it had occurred and my online access to the account with SunTrust cut off. Since then, EVERY MOMTH, without fail, I get an e-mail reminder of my previously setup automatic bank draft not going through. I have called and e-mailed to stop these, which could have been resolved in the first place if they had allowed me access to the account to un-enroll in automatic payments ( but again, they cut me off in the first place ). 7 months after having the loan no longer serviced by SunTrust, I consider these e-mails to be harassment and DEMAND THAT THEY STOP IMMEDIATELY. This ongoing issue is why I submitted a complain in the first place asking SunTrust and the CFPB to review their policy on selling loans without advanced notice. Their only response was a letter that sounded like I was a child and rather condescending, wholly unaware that loans are sold. I know loans are sold, but I 've never had it done without advanced notice and with my access to the loan cutoff.
Consumer complaint received 2016-04-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Convergent Resources, Inc. (AL)

CONVERGENT OUTSOURCING , INC must have bought out another company with intention to add an account that was closed and removed off my XXXX credit report for fraudulent reasons in 2013. Then updated the information and put it on my XXXX credit report this year. This is not the first time it happen. It keeps popping up and removed ever time I file a complaint.
Consumer complaint received 2016-05-18
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: CITIBANK, N.A. (IL)

I opened a Citigold checking account on XXXX/XXXX/15 with an offer stating I would receive XXXX XXXX XXXX AAdvantage miles after meeting certain criteria. I then met those criteria, confirmed with a Citi representative that I had met the criteria, and was told to expect the XXXX AAdvantage miles to be deposited into my account by XX/XX/XXXX. During this time I was charged XXXX monthly service fee of {$30.00}. Now, after opening the account with the promotion, confirming that I had met the requirements, and confirming that the points would be deposited XX/XX/XXXX, Citi has pulled a bait and switch. They have suddenly decided I do n't qualify for the offer. Now I have {$30.00} of fees and I will not be receiving the airline miles. I 'm not alone. XXXX of people are in the same situation as me. I 've done google searches and found forums full of people having this problem. It 's not right. I 've been lied to, and my money has been taken. Apparently I have to uphold my end of the terms and conditions by paying a monthly service fee, but Citi does n't have to uphold theirs. Something needs to be done. I hope enough pressure can be put on Citibank to make them honor the promotion they already told me I qualified for.