davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-03-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (CA)

XXXX we bought the house and the loan was from XXXX. We were paying XXXXa month. The loan was going on interest only for 5 years. In 4 in a half years later we submitted a loan modification. The loan amount stayed the same with taxes included. The insurance was paid separate this was in XXXX. In XXXX I called b of a asking them if they can help me with modification because I knew the rate was going up and I 'm on XXXX and social security. They told me yes, they can help and to fill out the modification forms. After, I received the modification that the loan has been sold to sls mortgage. So, I had no help from XXXX like they mentioned to me. I continued sending my payments on time every month. I asked in XXXX XXXX respectful in my interest and payment for XXXX. The mortgage sls told me they were going to send me a letter within 45 days before about the information how much my payment is along with my interest. I never received this letter. 
Approx. on XXXX XXXX I just received the letter. The letter of the new payment to start on XXXX XXXX, XXXX the amount of XXXX a month. this is the complaint that I 'm doing. That XXXX and knew they were going to help me and complicated to make this payment. bottom line is that XXXX mentioned they were going to help me and they decided to sell it to sls. In XXXX XXXX I submitted a package of modification to the mortgage sls. They denied it because of my income. They said that its better to sell the house and they can not help me at all. In XXXX XXXX XXXX I submitted a new form of modification with a little more income included. I 'm not sure if they will deny it or accept it to help me with a lower mortgage. If they do n't accept it I would have to leave the house because the fault of XXXX telling me they will help. Without me knowing from XXXX was going to go up XXXX. I became on XXXX permanent with social security. My wife is retired. The only thing I want is to find out how they did this to me this contract.
Consumer complaint received 2015-10-06
Product: Mortgage — Other mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (CA)

I did file complaint XXXX and I am not happy with illegal action from Welles Fargo Bank and their lack of response. the facts about the case as follow:1- I had owned a home located at XXXX XXXX XXXX XXXX XXXX CA XXXX which I had sold on XX/XX/XXXX. the loan on the property was with XXXX. 
2- The line of credit balance at that home at the time of sale was XXXX3- In XX/XX/XXXX Welles Fargo Bank reported me that I still own the home and Foreclosure started due to the Line of credit was not paid. This all False informations4- I did sent the Settlement statement to Welles fargo which indicated that I sold the home in XX/XX/XXXX and Pay off proof from the Title company but they still insist that I own the property and what they reported to the credit Bureau is correct. 
5- I asked Welles Fargo Bank to show me any evidence indicate that I still own the Property and if they have any evidence that the line of credit balance at the time of sale. they are not showing any evidence and they do n't wants to admit the mistake. What Welles Fargo bank is doing with lack of communications and not providing any documented evidence is Illegal.I had called them and left multiple voice mail followed by multiple faxes with no response. 
6- It is a public recored which show that I sold the property in XX/XX/XXXX. and there is no evidence from XXXX XXXX /Welles fargo that the line of credit at the time of sale has any unpaid balance.
Consumer complaint received 2015-08-30
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: U.S. BANCORP (CA)

I deposited a check for {$500.00} into my account on a Friday afternoon into my US Bank checking account. US Bank made {$200.00} of that deposit available to me immediately. I purchased something from XXXX XXXX for {$9.00}. Then later in the day US Bank decided they did not want to give me {$200.00} advance on deposit and took it back, in so doing my {$9.00} purchase caused my account to be overdrawn by {$4.00}. Seeing this I attempted to deposit cash into the ATM, the ATM would not let me. I e-mailed US Bank since it was the weekend and bank branch was closed. THey said to make a deposit I need to go into a branch to remove a hold that was put on card. Well I work for a living like most Americans and ca n't go in when banks are opened. During the week, so I deposited a check via their mobile deposit, to which I was charged {$0.00} to do so. Which I am fine with. 
On the XXXX, even though I do n't have overdraft protection and an e-mail ( from US Bank ) states I would n't be charged any fees for overdrawing my account using my debit card, I was charged a fee ( {$36.00} ). I purchased something when my account had a positive balance, enough to cover XXXX purchases of the size I made, then it was taken back to draw my account over. 
I have made multiple requests to remove the fee of {$36.00} and each rep declined. I put a stop payment on the deposit I made to US Bank because of the way they were acting and wanting to charge me fees. To which US Bank charged a {$19.00} returned item fee. That I had no problem paying. I am simply asking for the {$36.00} fee returned. 
Additional Note : I attempted to get this resolved, but after XXXX emails with US Bank, they refused to do so.
Consumer complaint received 2015-05-02
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: U.S. BANCORP (IN)

I have made several attempts to resolve my debt with US Bank without success. The phone number that is listed XXXX is not is service and I can not get a good contact # to discuss my charged off account. I would like to discuss settling the debt and would like to have someone from US Bank contact me. 
My social is XXXX
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: EQUIFAX, INC. (CA)

I submitted on line XXXX credit application now i have over XXXX on my credit i did not gave permition, to run my credit alos i am living or has lived at an address in XXXX XXXX which is where my ex wife lives also XXXX never lived there.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (GA)

The complaint is against Wells Fargo Mortgage Dept. 
I filed for a chapter XXXX in XXXX. I sent money to the trustee for 5 years to make payments to debtors. My lawyer told me to continue to make my mortgage payments, which I did. The first couple of years they took my payment and applied it to my loan then all of a sudden they took my payment but did n't apply it to the loan. When it got to over {$3000.00} I called and ask why this was happening and they said they did n't know. They did go ahead and applied it to my loan and said everything was straight. Everything rocked on like it was suppose to then all of a sudden they stopped applying my payments. They have not applied a payment since XXXX XXXX. They are holding about {$12000.00} and will not apply it to my loan. My chapter XXXX was completed XXXX XXXX. I have called several times trying to find out why they have not applied the payments. They tell me it is being looked into. I do n't know why they would apply then not apply then apply and then not apply. I ca n't file my taxes because my statement for interest is not right. My credit report shows I am not making my mortgage payment each month when in fact I am which needs to be corrected because it is making my credit look worse than it is. They have told me they have been waiting on some kind of release. I called my lawyer and he said they were not included in the chapter XXXX therefore there is no kind of release for them. My lawyer did ask what bank it was and when I said it Wells Fargo he said no wonder. He has had proplems with them before.
Consumer complaint received 2015-03-30
Product: Credit card — 
Issue: Billing disputes — 
Company: NAVY FEDERAL CREDIT UNION (SC)

I tried to refinance my truck through XXXX to get lower payments. They denied me because they said I have a delinquent account with Navy Federal Credit Union. I have a credit card with Navy Federal Credit Union I have been trying to pay off, and always make my payments WITHIN 30 days of the due date. Usually my payments are made within 10 days because of the date my military pay check comes in versus the date they have for my payment to be due. I always make my payment on the XXXX of the month and the due date is on the XXXX of the following month ( ie : due date is XXXX XXXX, I make payment on XXXX XXXX when the military pays me. ) The reason I took out the credit card was because last year I hit financial hardship and had to pay for my moms bills because she was in a XXXX and out of work, as well as had to pay for a surgery for my dog who was in an accident as well. I 've spent the past year playing catchup and finally have caught up bht I always made my payments on the credit card within 30 days so it would n't be considered delinquent. However, somehow Navy Federal Credit Union made the account delinquent and reported it, so now it is having a negative impact on my credit that I worked hard to obtain and build. I can not refinance my truck to make my payments lower to save more money because of a report that was made before the 30 day period. I would like to find out why this was put on my credit report and see if I can get it taken off because it is negatively impacting my credit. I have a car payment, a mortgage both of which are always payed on time to the day, as well as have a small loan with another compan that is payed on to the day. No other bills are late either. The only account there is an issue with is the navy federal account that reported delinquent without thirty days and whom charge me double interest rates that make it hard to make any headway on the card. I am XXXX military and am coming on my XXXX year in. Refinancing a truck I make payments on on time should n't be an issue but it is because Navy Federal Credit Union is holding my account delinquent.
Consumer complaint received 2015-10-08
Product: Credit reporting — 
Issue: Improper use of my credit report — Report improperly shared by CRC
Company: Experian Information Solutions Inc. (NM)

my report received- # -XXXX-is violating my constitutional rights for a correct credit report and score. the bureau Experian is smearing me by embedded addresses, inquireies, and refusing to investigate the wrong negatives on my credit report. I have made contact with them numerous times and all they give is a embedded answer and nothing done ...
Consumer complaint received 2015-06-06
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: LENDER LIVE (AE)

Since XXXX XXXX XXXX XXXX ( Under Lender Live XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CO XXXX XXXX ) assumed my mortgage debt from XXXX In XXXX 2015, I have experienced nothing but harassing phone calls and now false reports on my credit report. Each month through multiple harassing calls I have informed and provided documentation that my mortgage has been paid for the month and that the lender has cashed the check. Each month is a different excuse, such as : they misread the account on the check or when I sent it through their web site, I was told it was the wrong account. Now they are sending letters not to my mailing address, but to the house ( which is rental property ). Also, they have began placing late payment information on my credit report. I have documentation of all cancelled checks, verification of payments submitted, and email correspondence where I have identified the issue each month and provided the information for them to correct. I have never been late on a mortgage payment or had any issues until this company assumed the mortgage. I would like this matter corrected and my credit report adjusted immediately. Your assistance is appreciated.
Consumer complaint received 2015-07-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (PA)

I have settled with XXXX XXXX XXXX over 5 years ago to an amount that was less than owed to them. They have received payments up to the total settled. XXXX XXXX XXXX never sent me a letter stating that the account was settled. I do n't know why they keep these figures on my report. 
I have contacted them on many occasions and they are ignoring my requests. As far as I can say, I have fulfilled the terms of the agreement. They say that the person working the arrangements, XXXX, does n't work there anymore. How is that my fault if the employee handling the account is gone. This does n't speak were highly of a XXXX dollars corporation.In the meantime they are messing up my credit.
Consumer complaint received 2015-06-08
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: PNC Bank N.A. (PA)

I am a recent XXXX from a XXXX at XXXX College, in XXXX XXXX, PA. Until last week, I was under deferment for my private education loans. I am now unemployed and struggling to make my loan payments. Of course, I am under IBR for my federal loans but my private educational loan lenders, XXXX XXXX and PNC, they are relentless. I am desperately seeking work and am unable to consolidate due to low credit ( due to my student loan debt ), and I do not have a cosigner, because my parents recently filed bankruptcy. I am running out of options and they will not give me any other options of repayment, deferment or forbearance. I have considered ending my life over the stressors, but my grandmother is the cosigner on my private loans and she would be forced with them. This, of course, is not to be dramatic, just trying to illustrate how hopeless the situation at hand is. I feel as though I need help. I need someone to help me through this situation. Please, anything, any information you can help me with is vital. Again, I 'd like to illustrate that I am not trying to take advantage of any kind of system. I 'm just desperately trying to better my life and my situation. Knowing what I know now, private loans were clearly not a good option for me at the time. It 's too late, though and I need help now..
Consumer complaint received 2015-10-09
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Flagstar Bank, National Association (AZ)

NYCB had an appraisal done on my home by an incompetent appraiser on XX/XX/XXXX, who claimed there are XXXX kitchens in my house. On this basis, they refuse to refund the loan, at a lower rate. On XX/XX/XXXX, I complained to the State of Arizona Board of Appraisal ( ABOA ), who agreed on XXXX/XXXX/2015 that there is only XXXX kitchen. NYCB insists that their flawed and incompetent appraisal report, which states there are XXXX kitchens, and therefore more than XXXX accessory unit, is correct. The State of Arizona, the highest authority in Arizona, disagrees, and claims there is XXXX functional kitchen. With XXXX kitchen, there can not possibly be more than XXXX accessory dwelling. The fair and equitable thing to do at this time is to order a new appraisal, to see who is correct. I know with 100 % certainty that the State of Arizona is correct, as was NYCB 's own appraiser 4 years ago, when they funded the home in question. NYCB also knows that I am correct. This home has not changed at all in 4 years, except that it is a little older. 
They tried to do the same thing XX/XX/XXXX, with another home, and they eventually admitted the appraisal was faulty, ordered a new appraisal, and funded the loan. NYCB just wants to keep me paying a higher interest rate, so that they make more money.
Consumer complaint received 2015-03-30
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (NY)

I have written the credit reporting agenecies XXXX and Equifax numerous times in the past serveral months about a company reporting a debt on my file from XXXX XXXX XXXX that sent me a letter stating and i quote as it states in the letter " To XXXX XXXX the purpose of this letter is to advise you that XXXX XXXX XXXX XXXX has closed the above referenced account and will no longer be collecting on this account including account from original creditor XXXX XXXX XXXX XXXX You have no further financial obligation regarding this account. '' It further states that all credit bureaus have been notified ( XXXX Equifax, and XXXX ) to remove this item and correct this from your credit report. I immediately contacted the credit bureaus and they have refused to remove items as directed by the creditor as of yet. As this has brought down my credit score drastically being it was a collection acct.and caused me to to be unable to get loans for cars, mortgages, ect. I demand that you inform these companies of the fact that this needs to be removed immediately.I have an open litigation against Equifax in Civil Court that is pending as of now, as they have refused to remove another XXXX of the accts. on my file XXXX Bank bank loan that has been placed on my credit file that is not mine, they have been asked to removed numerous times and have refused. These companies have cost me XXXX of dollars from getting loans ect.
Consumer complaint received 2015-03-30
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BBVA FINANCIAL CORPORATION (FL)

XXXX Loan inception. Was assured that twice monly partial payments were permitted. 
XXXX Divorce. He signed quit-claim. Bank would not remove hime from loan unless refinanced ( would not restructure ). Did not qualify for refinance. Tired several times. XXXX was told that the only way they could restrudture was to allow loan to go into foreclosure. 
XXXX Bank neglected to pay homeowners insurance from escrow. I was not notified. Bank forced surplus insurance. 
XXXX to present. On and off calls to bankd re : insuance. Was told I had to wait until renewal to replace surplus with my own insurance. Meanwhile, I moved XXXX times and did not receive any notice. 
Present : Multiple calls and letters to bank. Some respnse that someone would reseaach, but no followup. The latest was XXXX XXXX at XXXX ; fter no word or return calls for XXXX weeks, found that he was no longer with company. Loan was about to be foreclosed. 
XX/XX/XXXX XXXX XXXX XXXX approved foreclosure. She noted tht there were over XXXX file notes that not her concern. Foreclosure due to non-payment for over 108 days. I HAVE NEVER MISSED A PAYMENT. She is responsible for the forecloser if not paid by XX/XX/XXXX. There are no errors on the part of the bank. 
I have bank statements and have also provided over XXXX years of accounting trying to track my payments. I filed an insurance/escrow research request with the bank. The loan is scheduled for foreclosure tomorrow.
Consumer complaint received 2015-03-30
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (IL)

In XXXX of XX/XX/2013 i went to XXXX bank XXXX to re-finance my home at XXXX XXXX XXXX XXXX XXXX. at the time my home loan was through XXXX XXXX XXXX. I was at at the time at water level but, still making my payments on time with an XXXX credit score .i secured the re-fi. From XXXX. That 's when all hell broke loose. XXXX XXXX XXXX tried everything in the book to railroad me. I filed a complaint with attorney General office XXXX XXXX, my senators office XXXX XXXX, XXXX. To no avail. They strung out the closing process until XXXX when i was in contact with the c.e.o 's of XXXX XXXX XXXX. XXXX XXXX XXXX XXXX. After 7 months of run the runaround she emails me and says she set up the closing with a XXXX XXXX. So l called my banker XXXX XXXX of XXXX to ask her if she was aware of the closing. She said she had n't heard from them. 
The next thing i know, XXXX XXXX XXXX claims to have sold the loan to ( ocwen servicing ). I called my land trust and talked to the attorney on staff since i had the home in a trust in my sons name. i inquired as to whom held the collateral? I believe they called it. and the attorney told me XXXX XXXX XXXX 's. so, we contacted the c.e.o of XXXX XXXX XXXX again to inquire what happened to our re-fi?. We spoke to " XXXX ". She said they sold the loan to ocwen. But, XXXX XXXX XXXX still held lein on trust and collateral!. So, we contacted ocwen only to be told by a " XXXX XXXX " that it takes 20 days to get in the system. So, 20 days later we contactact XXXX XXXX and say we have a XXXX dollar check for the re-fi. she says we dont own the loan we just service it. At that point i was hospitalized XXXX. I had enough and stopped paying my mortage. After 2 years i hired a attorney to handle this because it was killing me. End of the story i had XXXX dollars for them and they for what reason refused it. Now, my beautiful home of 10 yrs was stolen fron me by XXXX XXXX XXXX and their offshore XXXX company " ocwen '' Please tell me i have some recourse! My phone # XXXX XXXX XXXX. My name is XXXX XXXX you have my email.
Consumer complaint received 2015-07-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

I just went through a lengthy loss mitigation lawsuit with Green Tree Servicing. We each had attorneys and once the paperwork started moving, we came to an agreement. I made the XXXX XXXX payments as promised, beginning in XXXX of 2015. The next payments XXXX XXXX and XXXX XXXX were for the same amount. I have all payments sent automatically by my bank so there is no problem and there was none -- until I received the statement for XXXX. There are charges on there that were never mentioned in the agreement. One of them is in the amount {$2100.00}, which was supposed to be a forbearance in interest charges. That was outlined in our agreement. The other is for {$5.00}, which was never mentioned in the agreement and they tell me it is for attorneys fees totaling {$53.00}. They are going to charge XXXX payments of the {$5.00} for that, beginning with the XXXX payment. When I asked " XXXX '' why did I see the {$2100.00}, since that was a forbearance amount, he stated that it was for back interest and I would be charged for that later (? ). When I asked again, he said " I ca n't answer anymore questions, do you want the fax # to write your letter directly? '' What I am looking for is that my agreement be honored ( as I have made good faith payments as promised ) and that Green Tree does not add their bogus fees to my mortgage payments. It is not right and will not go away without intervention.