davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-09-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My name is XXXX XXXX. I need to complain about PennyMac because they denied my loan modification request for second time. I got a loan to purchase my home from PennyMac on XX/XX/XXXX. At that time I had no problem to pay my mortgage because my husband was XXXX and had good income to help me to pay my mortgage. But effects of economy crashes hit my husband business too and he lost everything. My husband went through XXXX and as a result left me and our XXXX years old daughter. I spent all of our saving to keep my home but my saving ended on XX/XX/XXXX ; it was when I applied for loan modification with Penny Mac. PennyMac denied my loan mod request and proceed the foreclosure. I borrowed money from friends and family to save my home. I am working 16 hours to pay my bills and mortgage but this does n't let me to spend time to raise my XXXX years daughter properly and the other hand after my XXXX XXXX years ago- and going through XXXX, my XXXX so bad that I can not spend so much time on my feet. PennyMac offered me to sell my home because there is some equity on it. I did n't agree with PennyMac offer because selling my home pushes me to rent a place. The rent would be higher than my mortgage and the other hand I will spend the equity of home toward the rent soon I will be out of home and money. I again appiedy for loan modification this year and PennyMac denied it again and said XXXX XXXX does n't accept the request because I am paying my payment every month. Reality, I am struggling with payment.I am working 16 hours a day and asking help from my family every month and I can not continue any more. Last year when I did re-instead my loan I was charge so much by PennyMac for legal and other fees which added to my debt. I have to be in default again to be able to request loan mod but I afraid because PennyMac will charge me another legal and other fees. I need some one help me to modify my loan and reduce my payment. I can not continue to work 16 hours with having a XXXX years old child and XXXX.
Consumer complaint received 2017-03-14
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (LA)

Borrower XXXX purchased her home at XXXX, LA in XX/XX/XXXX for {$39000.00}. To purchase the home, she took out a FHA Loan at 8 % interest. Her monthly principal and interest payments were {$280.00}. For the duration of the loan, she has paid taxes and insurance out of pocket. 

In XX/XX/XXXX, XXXX lost her job and was placed on a 3 year workout program by HUD. During this time, her monthly payments were reduced to {$79.00}. She continued paying principal and interest out of pocket during this time. She was verbally informed that the {$8000.00} in interest she accrued during this time frame would be forgiven upon the maturity date of her mortgage. 

After she began making payments towards her mortgage once again in XX/XX/XXXX, XXXX remained current on her loan until this date, aside from two months after Hurricane XXXX in XX/XX/XXXX, which she promptly repaid. 

As her loan was approaching its maturity date in XX/XX/XXXX, she was made aware that there was still an outstanding principal balance of {$15000.00}, plus an interest arrearage of {$8100.00}, and additional fees for a total payoff amount of {$23000.00}. 

It is unclear why there is such a large remaining principal balance when the borrower 's loan was fully amortizing, and it appears that the servicer has failed to forgive the interest arrearage as agreed to at the time of the workout option in XX/XX/XXXX-XX/XX/XXXX. 

The outstanding principal balance on the loan does not appear to be accurate.
Consumer complaint received 2017-03-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: National Credit Services, Inc. (WA)

Hi, my problem is when I was XXXX yrs old I went to get a XXXX at the local XXXX college where I grew up. I was automatically enrolled in a quarter ( I was XXXX, mind you, I had no clue what was happening ) so I figured I 'd give it a shot and it was under a PELL grant. I decided that was not for me, as I was going to be a XXXX, which I am now. So ... here we are, decades later. 

I am told I was enrolled in a different XXXX college, rather some distance from where I lived. I did not. I am told there is a consolidated loan on this. I did not do this, either. I have tried explaining this until my face is blue and get nowhere. 

At this time, I do n't even know what this other college is! 

So, I was contacted by NCS and it seemed I could finally get a resolution. I filled out so much paperwork it seemed to me, maybe someone would actually look into this and fix it. Not so much. They took all my info and proceeded to garnish my wages. I can not have this much taken from me, especially since I do n't owe it. 

I called NCS and was told I was put under a financial hardship and they would not take more than XXXX $ per monthly check. Surprise! It was 15 % of my ENTIRE check, garnished. I 'll end up with no power and no apartment within months if they do this. 

My plan was to go ahead and let them take a garnishment ( small, not fun, but managable ) while I contacted a lawyer to see what I could do about this, as all I get is a runaround and they really do not care to even listen to what is going on, or care if I lose everything so they can just do whatever they want. 

I was suppose to get a phone interview, did not happen. 

They say they wo n't take more than XXXX $ but took twice that amount. 

I was XXXX and did n't know what I was doing ( parents were not involved, just me. ) I have tried, many years, to just talk to, and find out what this is even about. No info is given, they just take my money for some school I never went to. 

I never, at any point in my life, spoke with anyone about, or, consolidated any loans. 

I need help, and did contact a lawyer, who directed me here. Mostly because I have no info on what this even is, as nobody will tell me. All they care about is robbing me. And this is robbery. 

They ca n't even get my name right on this. 

I am a professional, and this is BAD for my reputation.
Consumer complaint received 2017-03-01
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Praxis Financial Solutions, Incorporated (PA)

Some guy from Praxis Solutions ( telephone # XXXX ) contacted me about a debt I attempted to pay several years ago for which i have received NO written communication for years. Said I had to make telephone arrangements to pay the debt -- but when I requested a letter -- he refused and then threatened to report me for refusal to pay -- to put it on credit report. I said I was not refusing to pay, but wanted a written communication first. He became non-negotiable and then ended the phone call -- hanging up on me. This was for an old XXXX card I have made several attempts to track down, yet have not received any communication from them. This guy was nasty and abusive.
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

My mortgage was owned by XXXX XXXX in XXXX. The loan was sold and then returned to XXXX. XXXX sold the loan again. This time to an alleged company called XXXX XXXX XXXX XXXX. XXXX never contacted me. I was contacted by a " servicer '' company called Select Portfolio Servicing. From the onset, I was charged late fees and other fees not disclosed at closing. Ive never been late with a payment. Everytime I ask SPS about XXXX, Im told the same statement. XXXX owns the mortgage, SPS is the servicer. I demanded to see a copy of the note, and to have XXXX provide authorization for SPS to communicate about the loan. SPS replied with the same statement, which leads one to believe that XXXX does n't exist. A search found XXXX to be nothing more than a XXXX corporation using a bank address in Delaware. I wrote to XXXX at that address asking for documentation proving they own my mortagage and authorization for SPS to discuss this loan. SPS sends me a letter that they received my letter and will respond. I did n't write to SPS. I get a pamphlet from XXXX XXXX. It describes what a trust is and the servicer makes the decision to foreclose. This all leads to what the heck is happening with my mortgage? You cant get a straight answer out of anyone. SPS raised my mortgage payments to an amount I can not afford. My ARM went down as it has many times, but SPS raised the monthly payments. This is a common complaint made by others whose loan has been sold and is serviced by SPS. I fear Im about to lose my home because SPS continues to say Im in default even though Im never late. Ive disputed the increase in payments and all of the fees they charged which that say is for my benefit. The internet is filled with people who have lost their homes with SPS as the servicer. XXXX does n't look like a viable solution due to complaints made by others who tried only to lose their homes.
Consumer complaint received 2024-11-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Investigation took more than 30 days
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I'm not sure it this was the proper category. but my problem with TransUnion is that my social is now marked for fraud and they have permanently blocked my online access to my credit report. 

I was marked as fraud to due to extreme fraud being done on my credit and I wanted to stop the thief/thieves from accessing my account. As of late, it has become easier for me to monitor my credit online via real-time alerts in order to to stop and fraud done in my name. 

I am able to lock both XXXX and XXXX, but because TransUnion has a permanent block that they won't remove, someone was able to open bank accounts and apply for credit because it is easy for them to thaw my credit and remove statements I have made. 

They have also removed the safeguard of have a numeric code to remove the freeze. That has also made it easier for identity thieves to have their way with victims ' information.
Consumer complaint received 2017-03-15
Product: Debt collection — Auto
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CITIZENS FINANCIAL GROUP, INC. (MS)

I have contacted RBS Citizens on several occasions regarding my title. I am being told that my automobile is listed in repossessions. RBS citizens repossessed my vehicle over a year ago and payment was current. They refused to bring my vehicle back and I had to go pick it up due to their error. I contacted their corporate office today and was informed my vehicle was shown as paid off. When I asked about the title I was transferred again to repossessions. This even shows as a closed account on my credit report. I have found unexceptional mistakes that RBS citizens has made with consumer accounts. They expect consumers to just take it. The last payment was made in XX/XX/2016. I have not received a statement since and have been awaiting my title. Corporate shows it as paid off and my credit report shows this account as closed. RBS Citizens have been trying to avoid me and their mistakes are not my fault.
Consumer complaint received 2017-05-08
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: U.S. BANCORP (MO)

I have an FHA loan with  US Bank Home  Mortgage that was opened  XXXX   XXXX ,   XXXX  . I was told after 5 years/20 % I would no longer have to  pay PMI. I periodically inquired to determine if I had reached that mark. I received a letter from US Bank well over a year ago stating I still had to pay this. I inquired again about a week and a half ago about whether I had reached the mark to not have to pay PMI anymore. I was told I would receive a letter. I received a letter today that stated my loan met requirements under HUD for termination of PHI. I then called US Bank to determine the exact date these requirements were met.   XXXX   told me that I should have stopped with the PMI payments two years ago. I was never informed. I am requesting that I be refund ed any money that I paid toward PMI from the point I met the criteria.
Consumer complaint received 2017-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

Apparently I had a XXXX XXXX XXXX credit card from a decade ago that had an unpaid balance and was charged off. When I applied for a XXXX home equity loan, I was rejected because of this charge off at XXXX XXXX XXXX, of which I was completely unaware. I paid the charge off amount of {$280.00} immediately on XX/XX/XXXX 2017 and have been trying to get the item to reflect a zero balance of my credit report. XXXX said I had to get it removed from my credit report - they could n't call across the bank to confirm ( XXXX credit card, paid from a XXXX checking account ). I faxed to Transunion proof this was paid off on XX/XX/XXXX - they could n't read the fax. I refaxed the information on XX/XX/XXXX Transunion claims they ca n't clear the account without approval for XXXX - XXXX credit card department said they updated my report on XX/XX/XXXX If I do n't have this resolved by XX/XX/XXXX, I look a special introductory interest rate because Transunion wo n't be proactive, and XXXX wo n't look between departments to see the issue is resolved. How is it the organization controlling one of the only XXXX bureaus in this country only allows disputed documents via FAX or MAIL. Is this acceptable way to do business when documents should be scanned and emailed to avoid these type of unnecessary delays. Please help.
Consumer complaint received 2017-05-08
Product: Debt collection — Payday loan debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: National Credit Adjusters, LLC (CA)

Hello This company keeps calling saying My husband owe money and we are being sued.   When asked who the company is they said they cover verity of pay day loan. When asked for there address : they hang up, then they called my in-laws. told us they are going to go after his job, his driver licenses.   Their company 's name is  XXXX  there phone number is  XXXX .     I hope someone can get hold of them. Thank you,  XXXX   XXXX
Consumer complaint received 2017-05-08
Product: Debt collection — Credit card debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: PORTFOLIO RECOVERY ASSOCIATES INC (FL)

Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer Portfolio Recovery Associates, violated chapter ( XXXX ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer. Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. I sent XXXX XXXX a dispute letter dated XXXX XXXX, XXXX attached and XXXX XXXX failed to respond. But Portfolio Recovery LLC sent me a letter dated XXXX XXXX, XXXX where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me. They are civil for damages for their violation 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal act and they willfully violated the federal law.
Consumer complaint received 2017-03-16
Product: Credit card — 
Issue: Billing statement — 
Company: REGIONS FINANCIAL CORPORATION (CT)

Our company has been using XXXX XXXX Mastercard for about a year. 
It was attractive to our company because it allowed us to use the card at select Big Box Stores ( XXXX, XXXX.. ) XXXX there was an internal change, customer service was moved to XXXX and during this change we were unable to view our invoices. Called several time to explain that the invoices were not available. They assured me that during this transition we would not be shut off. They also assured me that we would not be responsible for late fees or interest during this transition. Well we were shut off and were forced to pay the late/interest fees to get it turned back on. I explained that we were unable to make online payments and they said they were working on it. Also explained that all charges from big box store were not broken down, no description was given as to the hundreds of dollars spent. Again they reassured me that the IT department is working on this. We have decided to move our business to another company, as we feel it is unfair that we are promised one thing from customer service and then told another after we have been shut off. 
Informed supervisor XXXX of all the false promises, she said her hands are tied. 
Must make payment including late fees/interest for invoices that are incomplete and unable to make payment online. 
Used to be a good company gas card, now that it moved to XXXX it has been a disaster. 
WOULD NOT RECOMMEND THIS GAS CARD. 

They explained there was trouble with the
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (NC)

I had an account with   XXXX   XXXX   XXXX   that became 30 days delinquent in  XXXX   XXXX . The account was never brought current and reported negatively on my credit report until the account was sold in  XXXX   XXXX . According to the  FCRA 623 ( a ) ( 5 ),  this account should be removed from my credit report. It has been re-aged by the   XXXX   XXXX   XXXX   t  o reflect a different date of default. The account has been aged more than  seven  years from the original date of delinquency and should be removed from my credit report. I have supplied a copy of my credit report from  XXXX   XXXX  showing the original status of the loan, prior to it being paid in full. I have disputed the information with Equi fax Information Services , whom has supplied an updated credit report still showing the account with the illegally re-aged account. The credit report also fails to show the date of first delinquency  (   XXXX   XXXX  ) and the date of first delinquency reported (  XXXX   XXXX  ) as required by the FCRA. I have attached a copy of the updated credit report as well. This account should be removed from my credit report as it has reported negative information for 9 years.
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

To whom it  may  concern : I am disputing a late payment that was reported by  USAA Savings Bank  back in  XXXX -2016, Credit Card number :  XXXX  ( I believe the bill was for  XXXX  2016  ). The reason for the dispute is because I did not receive a bill at the time when my credit card was charged due to moving in  XXXX  2016  from  XXXX   XXXX   XXXX   XXXX , Texas  XXXX  to  XXXX   XXXX   XXXX   XXXX , Texas  XXXX .     Furthermore, when I finally received a bill forwarded from my old address in late  XXXX -2016, I immediately notifi ed USAA of my new address where I then paid bill in full. I then escalated matter with USAAs management team where they updated my new address in their database. While speaking to a USAA manager, I then asked if they contact their credit cardholders when a bill is late and she advised they do not call cardholders for late payments. The manager explained that it was my responsibility to notify USAA when I moved and I advised that I just had moved and was going to notify USAA but was busy  moving. Additionally, I told her that I did n't even know that I had a bill outstanding as the company that charged my card had my account number.     It is also important to note that prior to this late payment being reported by  USAA, my credit score was i n between  XXXX , which is a perfec t credit score rating t hat has taken my entire life to earn for being a responsible person who pays their bills on time. Since then, my score has substantially dropped by over  XXXX   XXXX  points due to USAA not notifying me of the past due bill.     Enclosed, please find a copy of my lease from when my lease was executed in  XX/XX/XXXX 2016. However, I did not move into my new address until late XX/XX/XXXX  Any further questions, please feel free to give me a call.     Yours truly,  XXXX   XXXX   XXXX   XXXX   XXXX  Email :  XXXX  XXXX  XXXX
Consumer complaint received 2017-05-08
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Experian Information Solutions Inc. (CA)

I had a lease with  XXXX   XXXX   XXXX .   My car was in the accident and it was a total loss.     I had full coverage with insurance and they supposed to pay for the car in full.   But they had issues with body shop where I took the car, so they did n't pay in full.     I was suing insurance company and I won in court, but the whole litigation process took over a year. Once I got money from insurance company after winning in court, I paid to  XXXX   XXXX    XXXX    Since insurance company did n't pay in full initially,  XXXX   XXXX   XXXX  put a mark on my credit bureaus profiles that I have a derogatory account. And even after I paid them with the money I got from the insurance company, it still stays on my credit report.     I always pay everything on time and do n't have any missed payments ever, but with this situation with  XXXX  and insurance company now I had a bad account on my credit report which stays there for 7 years and prevents me from buying a house or getting any loans.