davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (GA)

My mortgage from XXXX XXXX was sold to SLS in XXXX XXXX. I paid my XXXX payment ( {$1200.00} ) to XXXX because I 've done this for 10 years. I started receiving notifications from SLS in XXXX that they now have my mortgage and need to begin making payments, but the payments have increased by {$400.00}. I 've asked since XXXX, for an escrow review of my mortgage to no avail. As of date, I have not received anything from SLS pertaining to why my mortgage has increased. I 've spoken to them 3 times, and still no reason, explanation, or letter. I made my XXXX, and XXXX payments because their customer service representatives told me to continue to make payments of my original mortgage {$1200.00} and it will be placed in holding as " good faith effort. '' On XXXX XXXX, XXXX I received an Intent to Foreclosure letter indicating I have n't made any payments. I have my XXXX XXXX statements that indicate I 've made payments. 
I 'm really disappointed with SLS, their representatives, and their policy and procedures regarding retaining records, collecting payments and not applying them to my loan. They are threatening foreclosure and I 've made payments. They want me to pay {$400.00} more without reason or explanation informing me why.
Consumer complaint received 2017-03-24
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: Check Security Associates, LLC (NM)

Warner Asset Location Services called me on XX/XX/2017 for the first time. They told me the amount I owed for a past payday loan, and demanded I pay in full amount right then. They threatened that I have one hour to pay, or she 's going home and at that point they are faxing my employer a letter of employment verification and starting the process to garnish my wages. Their communication got worse from there. I asked for time to talk to my husband and she warned again that I only had one hour to call her back and make my payment. My husband advised that I ask for a letter in the mail to verify my debt. When I asked for this they said they do not have that because they are not the actual debt collectors, but an asset location agency. They refused to tell me who owned my debt and refused to mail me documents for my debt. They did e-mail me a " Letter of demand '' stating how much I owe their company. When we asked again for a letter in the mail the manager I was speaking to stated " We already sent you the email with the amount owed, we will not be sending you anything other than that. '' They continued to tell me that I must make a payment that night or they will be starting the process to take me to court in the morning. They gave me two options after we told them we did n't have the money. Our options were a settlement of the original loan paid in full at that moment, or payments of $ XXXX monthly until we reached the amount that we owed them. They refused to take anything less than {$200.00} a month. Finally, in tears from stress and intimidation I made the payment of {$200.00}, with an agreement to make another payment in full of the remaining amount because that 's the only option they 'd actually give me. They refused every payment method other than Visa or MasterCard. They told me if I was unable to make the full payment at the end of XX/XX/XXXX to call them back and talk to them and they would work with me. When I called them back toward the end of XX/XX/XXXX, unable to make the full payment, asking if I could make another payment of {$200.00} the woman refused to accept this, telling me it was not in our original deal. I told her if she will not accept it, to remove the payment arrangement from my account and to NOT take out from my account for that following Friday. I was in distress from their harassment when I made the agreement of paying the remaining amount, and now that I told them not to make the payment they are harassing me, calling 4 times in an hour and a half. After I was of sound mind, I realized this is not a legit collection practice, even if the business is, which, I 'm unsure of, because they refused to give me any information, and I could not find any information on their company on any business, collections, or XXXX site. Only other complaints.
Consumer complaint received 2017-03-24
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Riverwalk Financial Corporation (OH)

My husband and I ( We are elderly, both XXXX, and often the victim of scams ) keep getting letters from Deville Asset Management LTD that they owe XXXX that does not explain what it 's for, but demanding payment. We have no idea what it is but are very concerned.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Servis One, Inc., Titusville, PA Branch (NY)

I am so frustrated. I am also very desperate. I am loosing my home. I am a single parent after loosing my husband to XXXX. He left me with XXXX kids. I had to get jobs, not a job but jobs to sustained my children. I struggle on a daily basis to put food on the table. All I am asking is for Bsi to please consider my request .I need a roof over our heads. This is the only thing both of my kids have to connect to their father. Bsi has refused to review my file and consider my request .Now my home is also worth a lot less than when we bought it. I would not be able to live with myself if I did not fight to keep our home. Please response as soon as possible.
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (MA)

My Citi Dividend credit card APR was raised from 9.99 % to 12.99 % after Citi had given me written notice to opt out of this increase. The increase was due to financial problems in the country. The notice stated since I accepted the increase by not opting out my APR would go to 12.99 % for only future balances. However it also stated that previous balances before opt out would continue at 9.99 % but Citi charged me 12.99 % APR for my whole entire balance, including the previous balance which was supposed to stay at 9.99 % as stated on notice. Basically over the years I paid 3 points more for past balances even though it should have stayed at 9.99 %. How do I go about addressing this discrepancy? Thank you very much for your time. XXXX email : XXXX
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: Onity Group Inc. (NY)

This is an attempt to resolve matter of a false Security Deed that was recorded, executed and not Certified by XXXX XXXX XXXX on XXXX XXXX, 1999 by XXXX XXXX, XXXX XXXX XXXX. The Endorsement page states a title number " XXXX ''. XXXX XXXX can not locate that title number in there system. Ocwen does not have any enforceable interest in the Note/Security Deed and the loan was paid and not assigned as stated in the Satisfaction of Mortgage. The Security Deed and title are defective. This action came about when the Department of Justice entered into a Consent Order with XXXX XXXX XXXX for discrimination practices in XXXX and XXXX New York targeting XXXX females homeowners in low income areas. They were ordered to cancel all loans that were affected therefore there was no contractual agreement. I was a party in the civil action. I 'm attaching the Order from the Department of Justice. 
I sent a e-mail, fax and certified letter to XXXX XXXX XXXX to omit the Security Deed from the Real Estate Division of XXXX XXXX, New York .They have not responded. In Addition, I 've requested the Title Insurance Binder {$150.00}, Mortgage Insurance {$920.00}, Survey Endorsement {$93.00} and Endorsement XXXX and Waiver {$50.00} that was written specifically for the property. You can also request the information from the company as well to verify the information. Please forward information to me once you are in receipt of it. 
I need to obtain a copy the title certificate from XXXX 1999 thru present. My records indicate from the Satisfaction of Mortgage that the loan was not assigned, paid in full and discharged. I want all payments returned to me as quickly as possible Again, All payments ( Principal and Interest only ) totaling {$230000.00} and the surplus of our escrow need to be returned to us. Ocwen acted as a debt collector without verifying the validity of the loan from XXXX XXXX XXXX. The statute of limitations has expired. 
We also need to obtain a mortgage release from you 'll and have a title company to correct the error in the Real Estate Division Recorders XXXX County Office in New York. 
All documents supporting my position are attached for your review.
Consumer complaint received 2017-03-25
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Inadequate help over the phone
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

All the major credit reporting agencies, Transunion, XXXX and XXXX XXXX, " rate shopping does n't always affect your credit score in the case of rate shopping for an auto loan, if shopping was done within a 14-45 day period of time ''. Then turn right around and use that rate shopping as a " credit factor '' on your report. Example : with Transunion they show my shopping with ( 3 ) different companies, all on the same date, as a " credit factor '' on my report, XXXX shows ( 2 ) of those same ( 3 ) as a " credit factor '' while XXXX shows again all ( 3 ). They then " lower '' your credit score and even show this as a factor calling ALL the above a " credit factor '' because they are " hard inquiries ''! I believe the reason for their having done this is because they ALL want you to apply with ONLY their preferred lending companies which they list within their sites. They even " direct '' your search to those companies as a " way '' for you lower the impact on your report by consolidation of debt with THEIR chosen companies. I would suggest that personally you try it yourself, using your own credit information by going to XXXX as an example, because they use reports from both XXXX and Transunion. I called, and complained to a Transunion representative who told me, " that 's just the way its done ''! The public who works hard, and relies on having fair credit reporting is being punished for having rate shopping, which should be the privilege of all of us!
Consumer complaint received 2017-01-27
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: Navient Solutions, LLC. (NY)

When I graduated from school in XX/XX/2008 I was told by XXXX that I was not eligible for XXXX deferment ( XXXX ) and that I would have to go into forbearance if I was unable to make the full payments. This despite the fact that my other loans with other companies were eligible for deferral and multiple of my classmates were able to defer. Because of this I accrued XXXX of dollars in interest during my XXXX. I have subsequently been told by colleagues and a lawyer that this was a lie and I WAS eligible for a XXXX deferment. Given XXXX actions with other groups including service members, this appears to be a clear case of purposeful obfuscation for profit.
Consumer complaint received 2017-01-27
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Atlanticus Services Corporation (TN)

At the end of XXXX, 2016 I purchased a XXXX and signed up for the promotional financing of 12 months same as cash through Fortiva XXXX XXXX. I was looking at my statement today and it stated " Deferred Interest Charge Calculation '' and showed a timeframe of 6 months. I called customer service and they indicated I had signed up for the 6 months same as cash. I told them that the promotion XXXX was running at that time and still today was 12 months same as cash. The customer service rep stated she was sorry but that was not what I signed up for. She indicated someone would contact me within 10 days. 
I looked on the website again today XXXX XXXX and all over it states 12 months same as cash in nice big letters. The only thing I found referencing 6 months was in small print at the bottom ( copied below ). If the offer is either 6 months or 12 months same as cash, it should be stated somewhere besides the small print at the bottom of the page and really, this does n't say the offer is for 6 months, it just states " within XXXX or 12 months as applicable. '' I would assume 6 months is not applicable for this offer since nowhere else does it state 6 months same as cash. 

*subject to credit approval. Deferred interest means that if you fail to pay your purchase in full within the promotional period, then the interest accrued on such purchases From the date of purchase through the end of the promotional period will be added to your account. To avoid paying the deferred interest charges, you must ( a ) pay the Promotional purchase in full within XXXX or 12 months, as applicable and ( b ) make all required minimum monthly payments on time. Making only required minimum monthly payments will not Pay off your promotional purchase before the end of the XXXX or 12 months, as applicable promotional period. See credit agreement for full terms and conditions. Fortiva XXXX Credit lines of credit are issued by XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, MO, Member FDIC. 

If you do not pay off your purchase within the allotted timeframe, you must pay back the entire purchase plus interest from the beginning. I understood this but felt 12 months was a reasonable timeframe and calculated that if I made a {$250.00} payment each month I would have it paid out. {$500.00} a month however, it is not reasonable for me and had I understood this was only for 6 months I would have utilize a card I already had with a lower interest rate, as this XXXX is 26.9 % if applied to the balance. It seems to me this is a bait and switch tactic ; advertise for 12 months and then only provide for 6 months. If the consumer does not notice, they will have to pay the interest on the entire balance and will probably give up fighting so as not to mess up their credit report. Again, NO WHERE does the XXXX site indicate the possibility of XXXX promotions ( 6 months or 12 months ).
Consumer complaint received 2017-03-24
Product: Credit card — 
Issue: Billing statement — 
Company: AMERICAN EXPRESS COMPANY (AK)

My wife pays our bills via computer and yet credit card company 's refuse to mail paper statements so we can pay promptly. She tried the online systems and they do not work for her, hence paper statement is needed to prepare checks for mailing to assure payments are made. American Express refuses to provide United States representatives to discuss our financial matters and we do not have to use foreign personnel placing our right to financial privacy at risk as an Alaska resident. My wife spoke with XXXX, American Express Executive Customer Care, ( attached ) who reassurred statments were to be sent to our home address in XXXX AK. She received a notice on XX/XX/2017 noting payment was due on XX/XX/XXXX, and yet no statement since her conversation on XX/XX/2017 and still no statement. She can not log onto American express due to faulty programing that will not allow her to retain password and use her adaptive technology. I/we are tired of being charged late fees, having past due notices placed in XXXX, XXXX and XXXX because they refuse to send us statements. Can you assist with this matter. 
we do not dispute owing our accounts we dispute being charged late fees and maximum interest and having negative marks on our credit files because they refuse to mail statements. This will have to be discussed with my wife via email XXXX as I am away at work during normal business hours M-F. No more phone conversations only email will suffice or written documents.
Consumer complaint received 2017-01-27
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Red Cedar Associates LLC (CA)

I recieved a restricted number phone call ( voicemail ) from a XXXX XXXX stating he had some legal documents that are to be served to me and for me to sign. He stated he had my name and social security number and he was reaching out to me to inform me he will be serving me papers on Monday, XXXX XXXX. I called the number he provided and submitted the ref number that was left in the message. The lady that answered said the business was Red Cedar Associates and asked my name. I asked who they were looking for and when they said the incorrect name I hung up, in suspicion of a scam. I then looked up Red Cedar Associates and found the are a debt consolidation company.
Consumer complaint received 2016-05-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (DE)

all current bills have been paid on time for a least a year. XXXX XXXX car loan paid off in full, some of my old accounts I am working on but there has been no significant change in my report, this is like watching paint dry
Consumer complaint received 2016-11-21
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: WELLS FARGO & COMPANY (OR)

In 2007 I opened a bank account at the age of XXXX with wells fargo. I was constantly badgered about opening a credit card account by bank tellers but always declined. Later that year I accidently overdrew my account with a purchase but quickly added money to my account. Without my knowledge a credit card account had been opened in my name with wells fargo and an automatic overdraft protection transfer was made from this line of credit without my knowledge. I never received a credit card in the mail, I never heard mention of it, and I never saw a tab from a credit account on my online banking. YEARS went by and my delinquent credit amount of maybe XXXX dollars remained. I received no notices about by email or physical mail. I eventually met with a banker to check my credit score and he saw the strikes on my credit and the now XXXX $ that had accrued in interest and I quickly paid the fees to stop the bad credit and closed the account. I was unsure of how this could have happened and they said I opened a credit card. When I asked to see a where and when I could have possibly signed up for a credit card that I know I 've never wanted because of my hatred for the badgering I constantly received I found that in 2007, if an account holder was under XXXX the banker could sign a user up solely with a verbal confirmation and without a signature. So no proof exists of me wanting to sign up for a credit account except that some teller said I wanted the account. I never had and never will want a credit card account with wells fargo. At the time I was unsure of what to make of all this until I learned of the huge scandal that wells fargo was involved in. Now I realize I was taken advantage of and want my money back along with any interest. I went into a branch office and they said it was too long ago to have records of proof of the money being taken out of my account. I do n't believe I paid the balance until only a few years ago though so I think it should still be in my account. I do n't trust them and am afraid they will just try to delete any proof that exists. I know my case is a small XXXX but any help would be greatly appreciated! thank you -XXXX
Consumer complaint received 2016-05-17
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: EQUIFAX, INC. (VA)

I have XXXX judgments listed on my CR with Equifax. I was involved in a lawsuit that involved Equifax reporting judgments from Virginia XXXX inaccurately/ The judge ordered that Equifax completely REMOVE these items completely. My first dispute they updated them all to Satisfied. Then I sent the court order and settlement documents from court in and they still refused to removed these items all which were paid and vacated. So I disputed them again and they changed the satisfied to Pending UNpaid. I tried calling and the lady was rude and unhelpful. Furthermore Equifax lowered my score cause I kept disputing. I have a court order for these XXXX judgments to be removed and they wo n't do it. I had no problem with XXXX and they deleted them within 3 days. Equifax is not following judges order for deletion which is why they were sued to begin with due to improper reporting. These judgments have greatly affected my scores and caused me to be denied on a mortgage I would have been approved for if those judgments were gone. I faxed them over XXXX pages of documents and they now reported it negative again. What can I do? My disputes as follows XXXX XXXX XXXX XXXX This is ridiculous and their stupidity caused me to lose my home buying power.
Consumer complaint received 2017-03-24
Product: Consumer Loan — Vehicle lease
Issue: Managing the loan or lease — 
Company: AMERICAN HONDA FINANCE CORP (CA)

We traded in our Leased Car. XXXX Honda said they will pay our Mileage fee, they said bring them the bill once I receive it and they will cover it. My wife brought them the bill and they said they will take care of it. The bill was for {$190.00}. A few days ago I started receiving several calls from Honda saying we owe {$190.00}. We called the dealership they claimed they handled it. Today my credit was hit with a late payment for the {$190.00}. Being a former debt collector, their collection team practices abusive collection practices. I was call 5 times in 10 minutes by their company. I have attached a copy of the missed calls from there collection department. I am demanding that they delete the negative mark on my credit as we never missed a payment and paid the lease off 2 months early. XXXX Honda was responsible for paying the {$190.00} mileage fee as per our contract when we purchased a new vehicle from them.
Consumer complaint received 2016-04-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Transunion did not do a proper investigation as they said they did. XXXX has confirmed they have been reporting incorrect information and the accounts should be deleted for incorrect reporting. non compliance with investigating when I asked them for months to do so. they did not insure all information was correct and complete as per FCRA