davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (WA)

We have been trying to do a short sale for about XXXX years now. The first bank was taking forever and would not help us at all. Then our loan was transferred to Shellpoint Mortgage Servicing on XX/XX/XXXX. Shellpoint got the loan about XXXX days after that and was unable to have my real estate agent or short sale negotiator get any information about it. They called XXXX times a week to find out what was going on and Shellpoint only said EVERY SINGLE phone call that they 're waiting for my file to be in their system. It was n't until XX/XX/XXXX that they were finally told the file is in their system and to send in the short sale application. However, they said the auction date was XXXX/XXXX/XXXX. This was unacceptable. We 'd been jerked around by Shellpoint so many times with so many phone calls to them. My short sale negotiator submitted my short sale application on XX/XX/XXXX because that was the deadline to submit for the short sale to get started. They then said they 'd know on XX/XX/XXXX if my auction would be postponed. On XX/XX/XXXX, my short sale negotiator confirmed Shellpoint received my short sale application. On XX/XX/XXXX, my short sale negotiator asked if the auction date was postponed. Shellpoint said they wo n't know until XX/XX/XXXX My frustration went beyond maximum frustration when they told us that. Basically, they really are trying to make us fail. What sounds fishy is that they 'd asked my short sale negotiator to submit my application to another short sale group at the bank. This is not right. It 's as if they 're intentionally trying to have my short sale fail or they 've never done a short sale before.
Consumer complaint received 2016-04-18
Product: Credit card — 
Issue: Other fee — 
Company: CAPITAL ONE FINANCIAL CORPORATION (CA)

Capital One Credit Card has been charging continuous regular interest rate plus cash advance interest rate, even the loan was fully paid. I used it again the following month after it was fully paid, and the usual interest kicks in including the cash advance that i took for {$200.00}, XX/XX/XXXX, and had been charging me interest since then till XX/XX/XXXX for almost $ XXXX/per month for the past 3years on top of the 25 % interest every month. Even I almost paid it off XX/XX/XXXX, but they are continuing to charge cash adv interest, thy offered me {$20.00} credit this month, but i told them that i will report them and the {$20.00}, is not enough credit for the interest they keep on billing me. They told me to call again next month to check and see if I was billed again for the cash adv int. but i just want to let you know for the credit card companies bad practice killing the small people, trying to keep afloat in this difficult times.
Consumer complaint received 2016-05-17
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

I 've recently put a stop on a business check, and just to double check it 's in effect I called the bank to confirm and the representative told me not to worry, the check is stopped and funds will not be disbursed. XXXX days later, while checking recent transactions I saw that check amount being disbursed! I called and submitted a claim to the bank and was told I 'd hear back in a few days. A week goes by no one contacted me back, so I had to call the main hotline and spending over an hour on the line explaining my situation to numerous reps because I had been transferred so many times. Finally I was told it was an ACH wire transfer, and that the check was actually stopped. I was even more shocked and furious because I did not sign any wire transfer papers and this is 100 % fraud! I was told again to wait to hear back. Another week later, this is now 3 weeks nearly a month from the date that I called to stop the check, I still have n't heard back so I called again. After being transferred around again, I was told actually it was NOT an ACH wire transfer but that the check was cleared. My complaint is, why did n't anyone tell me that the check I put a stop to was cleared, and secondly, why is the bank telling me different answers? Is it an ACH fraud or is it a check that was cleared even though I stopped it? And if I stopped it, why was it cleared? I think it 's very neglectful of the bank and their reps are not trustworthy since they ca n't give the same answers back to their customers. I need the bank to admit they actually overlooked and cleared a check that was already stopped, and refund that amount back to my account.
Consumer complaint received 2016-04-18
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: Ability Recovery Services, LLC (MI)

Ability Recovery Services agent XXXX XXXX was rude when spoke to me regarding a debt. I was not aware of the debt and asked her to indicate that as my response. She told me she would write " I refused to pay ''. I then asked her to speak to a supervisor and she told me she would not transfer me to a supervisor to tell them the same thing I told her. I attempted to call the company back in hopes of getting someone else but I kept getting her. Each time she would hang up on me. I have filed a complaint with the XXXX hoping to have them cease communication with me but they continue.
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: ERC (GA)

Creditor : XXXX XXXX Account closed and XXXX loaned signal boosters returned to them on THEIR prepaid XXXX shipping labels. Several calls to XXXX with the " XXXX Proof of Delivery '' acknowledged. 

A month later, started receiving letters from a collection agency. I replied to letter requesting that they send me proof that they are the " creditor in due course. '' I did provide them with the " XXXX Proof of Delivery '' info. As of XX/XX/2017, no reply. 

Called XXXX again, provided the return " XXXX Proof of Delivery. '' I was told my case would be turned over to their Executive Response Team and I would hear back from them in a few days. 

What I got back was a letter masked to look like a collection agency attempting to collect a debt but is really from, I believe, XXXX Executive Response Team. 

I would like from XXXX XXXX : 1. A letter admitting their error. 
2. No further contact from any outside collection agencies or XXXX XXXX internal collection department " attempting to collect a debt! '' 3. In the event this appears on my credit report they ( XXXX XXXX ) will immediately remove it. 

Thank you for your assistance.
Consumer complaint received 2016-08-10
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (FL)

I recently signed a Modification Agreement with my lender in XXXX 2016 ( see attached ). I then paid the three month modication term for XXXX, XXXX and XXXX, 2016. They stated if after I made all trial period payments, they would review my status to see if I was accepted for the Final Agreement modification. I did indeed complete the trial period and they sent me the Final Agreement stating I was approved. When I did received the Final Agreement for signature, I was then and only then informed that there would be a $ XXXX balloon payment. This was a shock to me as I was not informed of this before I signed the Modication Trial paperwork. I have not yet signed the Agreement as I am worried that this may not be in my best interest and am unsure of where to go from here. I have not made any payments on my house since XXXX as I am also unsure if this money will get applied correctly because I have not yet submitted my Final Agreement. Also, I have asked my lender for a breakdown of how they came up with the $ XXXX balloon amount and have not yet received anything in writing.
Consumer complaint received 2016-11-22
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: KEYCORP (NY)

First Niagara Bank was sold to Key Bank. On XX/XX/XXXX, the date of the transition, it took over 4 hours to gain access to my accounts online. On XX/XX/XXXX, Key Bank deducted my mortgage payment ( they call it 'auto deduct ' ) which I did not authorize. This caused an shortage in my acccount. Key then deducted funds from my savings account to partially cover the shortage. When I discovered the error, Key told me it would take 10-30 days to correct. I left work ( losing pay ) and went to a branch and demanded the error be corrected immediately. It was corrected the next day. The following week, Key again overdrew my account by making duplication payments to XXXX other accounts. Unfortunately, they did not reverse their unauthorized deduction from the savings account so I had no funds to rely upon while Key figured out how to correct the error. They then accused me of setting up something they call " Auto Deduct '' which I never used with either Key Bank or First Niagara. On XXXX/XXXX/16, I set up a bill payment for my mortgage with Key Bank and the funds were deducted. 
As of XXXX/XXXX/16, the payment has not been posted and Key Bank departments - Mortgage Servicing, Online Banking or the branch - can figure out why the payment is not posted. All departments acknowledge the withdrawal of the funds from my account, however, I receive daily calls about a late payment, and daily mailed notices with threats that my credit rating may be in jeopardy. This is not fair or right. I did not ask to be transferred to Key Bank and since being assigned to them, I have to check my account online at least 3 times per day to insure that the bank has not tampered with the account without my knowledge. Their lack of internal controls, their obvious inability to handle the transition of accounts from First Niagara and they accusatory behavior towards their customers should be dealt with. I am trying to go to another bank but refinancing my mortgage will cost me even more money. But I am at the point that I have no other choice. Can you help me get through to Key Bank and have them fix their errors?
Consumer complaint received 2017-01-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ideal Collection Services, Inc. (FL)

I was renting an apartment at XXXX of XXXX in XXXX, FL XXXX. Upon leaving I verified that the account was paid in full. Now, 5 years later, a collection agency is posting gative information. 
Ideal Collection Agency XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX ( XXXX ) XXXX I disputed but the information was not removed. I called Ideal and they gave me the run around and are not immediately forthcoming with any information. I called XXXX at XXXX and it was sold thus they have no information. 

This collection is false. I paid on time every month and was fully paid upon leaving. The Ideal agency is not forthcoming with information. 

I want this information off my record. 

Being as it was 5 years ago I no longer have receipts or any such thing. 

My XXXX and I are XXXX and this is very stressful.
Consumer complaint received 2016-04-17
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Dream Center Education Holdings (FL)

I attended South University XXXX Campus in XXXX where I was approved for XXXX XXXX and sub and unsub loans for South University ; as well as out of pocket expense for tuition. I was set up for a payment plan for my out of pocket expense that would be debited out of my checking account which i had to pay monthly. I tried to get the payments as low as possible being that I am a single mother with a child and i did not have a good paying job to make such big payments, the lowest that they could make my payments were XXXX which was still a bit much for me being that i was only making XXXX/hr working less than XXXX hours a week. In the year of XXXX my child was diagnosed with a XXXX and was deemed XXXX and that was a life changing event in my life that was very challenging to make sure i could find all the resources to help my child with his XXXX. i tried my bbest to make sure i was able to attend school but it was hard with all that was going on with my child which cause me to miss out on my education and had to withdraw from my classes. In the XX/XX/XXXX my father had a XXXX and i had to fly to XXXX to take care of him being I am the only child that my father has. I noticed the school of this matter being that it was the week of exams and that i needed to drop out of my classes. After my father was getting back to good health I tried to registered back to South University with all these life changing events, The Dean of South University stated that I would need to submit documentation in regards to this matter because South University was going to dismiss me from the school. I put in an appeal and provided all the required documentation that was asked from me and The Dean of South University denied my reentry back into the school and stated that I could put in another appeal in a year to see if the school to accept me back in. I was left with a balance of XXXX and the school was paid with my loans and XXXX the whole time i attended the school. I am unable to attend any school without being able to provide my official transcripts and it has been hard for my to further my education. I 'm unable to further my success with being in school or to get a better job without a degree. I feel that the whole situation is unfair because i provided what i needed to get back in school and I had valid documentation but still was denied my success to further my education plus left with a balance that i should not have to pay being that I was dismissed from the school and the school was paid by The Department of Education. Can you please assist me with this concern to help me further my education to get back in school?
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (UT)

XXXX XXXX, 2016 Formal Complaint To : Ditech XXXX XXXX XXXX XXXX XXXX, SD XXXX CC : Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, XXXX In regards to Ditech Loan number : XXXX Property address XXXX XXXX XXXX XXXX XXXX, UT XXXX To Whom It May Concern ; On XXXX XXXX, 2016 my automatic mortgage payment to Ditech was scheduled for the XXXX of each month had not been pulled from my bank account, because of this I called Ditech and was told due to a change in Ditech 's autopay system that my original autopay was cancelled and I would need to pay my bill on line and later set up a new autopay. With that in mind I made a one time payment online, however my autopay which was set for the XXXX of the prior month was not cancelled and instead ran on the first of XXXX along with the one time payment I made online. On XXXX XXXX both my husband and I received phone calls from Ditech explaining the mistake and stating they would be wiring funds back to my bank. I have not received those funds yet. On follow up phone calls to Ditech I have been told both that the funds were wired on the XXXX and they were n't able to give me any form of Federal Reference number and that their seems to be some conflicting information causing them to think the funds have not been wired to my bank. Each time the representative or supervisor states they need to send an email to the back office who processes those transactions and will get back to me. I began calls to track this down with my bank on XXXX XXXX, 2016 and began escalating to supervisors at Ditech on XXXX XXXX. I have still not received any calls regarding the location of these funds. 

As a separate complaint, on Tuesday XXXX XXXX, 2016 I was speaking to a supervisor by the name of XXXX, who I believe intentionally disconnected the phone call. I 'm highly disappointed in the service we are receiving regarding this matter, the inconsistency in the answers I receive and the fact that we still have not received these funds back. 

Today is the XXXX of XXXX, if you had not received my monthly mortgage payment by now you would have charged me {$55.00}. Will Ditech be sending me an additional {$55.00} as a late fee for holding my money? 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX, UT XXXX ( XXXX ) XXXX ( XXXX ) XXXX XXXXXXXXXXXX XXXXXXXXXXXX
Consumer complaint received 2017-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (WI)

I filed a chapter XXXX, XX/XX/2016, I applied for a Deed in lieu with Select Portfolio Servicing and was approved by them gather all my information and submit it via Fax, and Email, received confirmations that all information was received, 4months go by I heard nothing then out of blue the last two weeks of XX/XX/XXXX they stated that they do n't have copy of my satisfaction of mortgage, I submitted the information via email, email confirmation stated that received, then 30 days later I called back for up date, they stated that it was not recorded correct, I then called my county courthouse and spoke to the records department and they stated that it was recorded right and there is no lean on the property!! After I called SPS back the same day, now it 's a mistake and they need a copy of my divorce decree, I was mad because that was sent in the beginning, I purchased the home in XX/XX/2006, and got divorce in XX/XX/2008, it states on the decree that I am the owner of the property and other findings, as well. They keep giving me the run around and the sad part is I was the one calling and follow up!! I called the ombudsmen department and XXXX, from the department stated that the underwriting department has n't touched my account since XX/XX/2016. I called my relationship manager XXXX and asked her why she lied and told me that the underwriting department was still looking at it and that the ombudsmen department said it was not looked at since XX/XX/XXXX. She had no explanation for thRee and that it would be submitted urgent need!! I am so tired of this process and prolonged the process they are unprofessional and liars they deceive their customers!!! Can you help me!!
Consumer complaint received 2017-01-27
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: SLM CORPORATION (MS)

I have had issues with XXXX/Sallie Mae assisting me with trying to repay my loans. When I was not enrolled in school, my loans went into repayment. I told the representative that I could not afford that monthly payment and was there a way to lower my payment. I was told that I did n't have any options other than the monthly payment given or to file a forbearance which is only allowed for a few times during the life of the loan so I did n't want to actually use my forbearance time. Then I was told it would affect my credit if I did not. So it was as if I was forced to use the forbearance time. So I reluctantly agreed to do it because my profression is XXXX so I having negative items on my credit is not an option and could cause me to lose my license. After telling the representative, yes, then she tells me there is a fee to process it and hold it so it does n't delinquent report to the credit report until they get the Forbearance complete. The fee was {$170.00} based on the number of loans I had at that time. Since I did n't want to continue to use my forbearance time because if that 's the only option I have, I need to use it when I really have no option. So I enrolled in a part time in an online problem. Then I get a call from them saying I was due again for {$700.00} and something on my account. I had n't received a notice saying I was back in repayment. I called them once more and told them I was now enrolled in school. They directed me to a form to have my school to complete saying I 'm enrolled in school. My school completed it and faxed the form back to number stated on the the form. I continued to get calls and finally got a representative on the phone. I told the representative that I had my school to fax them the in school form as directed. The representative then tells me, " it 's not our responsibility to check the fax for your forms. Hold on while I go look. '' She comes back on the phone and says, ok we have it and will get the forms processed. I told her thanks and asked her " do you all have any income based repayment plans now? '' She tells me, " umm, that depends. Since you 're in school do n't worry about it. After you get out of school we can discuss what your options are. ''. I feel that I should have more options than forbearance or harming my credit if I can not afford my monthly payments. Why should I fear a program that was intended to help me?
Consumer complaint received 2016-04-18
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

BANK OF AMERICA WITHOUT CONSCIOUS FILED A WRONGFUL FORECLOSURE SUIT FOR A MORTGAGE LOAN XXXX THAT WAS PLACED IN A XXXX XXXX XXXX XXXX TO WHICH XXXX XXXX SIGNED THE CUSTODIAN AGREEMENT AND XXXX XXXX & XXXX WAS SERVICER OF THEIR LOAN NUMBERS. THIS LOAN IS A MULTI-PLEDGED LOAN AND NOT MY MORTGAGE LOAN. XXXX GOT XXXX FOR THIS POOL AND OTHERS LIKE IT. BANK OF AMERICA IS TRYING TO MAKE ME PAY FOR THE FRAUD OF OTHERS. I DID NOT SIGN ANY LOAN DOCUMENTS FOR THIS LOAN NUMBER XXXX AND BANK OF AMERICA HAS PRODUCED NONE. THOUGH THIS LOAN NUMBER SHARED THE SAME FHA CASE NO AS MY LOAN IT WAS A SEPERATE LOAN AND PLACED IN THAT POOL PRIOR TO MY XXXX PAYMENT XXXX 2008 AND ACCORDING TO BANK OF AMERICA MY LOAN XXXX WAS ALSO PLACED IN THAT SAME POOL. BOTH LOANS TAKEN OUT OF THAT POOL AT XXXX DIFFERENT TIMES AND BOTH XXXX SEPERATE LOANS. THIS COMPLAINT GOES WITH COMPLAINTS XXXX & XXXX. FOR SOME REASON I CAN NOT ACCESS MY ACCOUNT TO REVIEW, COMMENT, ETC.
Consumer complaint received 2016-05-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (GA)

SunTrust Mortgage placed hazard insurance on a residential investment property that I owned. I complied with the instructions for the class action law suit, XXXX v. SunTrust Mortgage Inc. et al., Case No. XXXX ( XXXX. Florida ) but my claim was rejected because it allegedly remained incomplete, even though the documents were submitted in full compliance with the instructions. They ultimately foreclosed on my property, claiming that the loan modification documents provided for the request were incomplete, again, even though they were in full compliance with their instructions.