davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-04-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I recently received a letter from XXXX, XXXX, XX/XX/XXXX, that my home mortgage had been transferred to Select Portfolio Services ( SPS ) and would be effective XX/XX/XXXX. In the letter from XXXX, they stated that all contract agreements about automatic payments would not change with the new service provider ( SPS ). On XX/XX/XXXX I contacted SPS ( I spoke to XXXX ) because my mortgage payment did not come out of my payment account as scheduled. SPS ( XXXX ) stated that my payment would come out on XX/XX/XXXX due to backlog on updating new accounts and another on XX/XX/XXXX to bring us online with the E-Pay contract we had with XXXX. Today ( XX/XX/XXXX//XXXX ) when I called SPS, the recording stated that this company was a " DEBT COLLECTOR ''. I have never been late with my payments to XXXX, so why a " DEBT COLLECTOR ''? I then spoke to two people ( XXXX, and his manager ( XXXX ) who told me that they did not have to honor the XXXX contract ( which was E-Z Pay, consisting of payments every other Tuesday of each month with the 3rd payment on months that have 3 Tuesdays going direct to principal ). I asked why they had not taken out my XX/XX/XXXX payment today as stated that they would and was told by XXXX that because I was ahead on my mortgage payments that they would not take any payments out until I owed. The whole purpose of the E-Z pay with XXXX was to stay ahead on payments. XXXX said SPS would honor those terms, SPS says they do n't have to, that it was not in the contract. It was optional at the time of the XX/XX/XXXX contract with XXXX to make the E-Z pay part of the contract. Once we all agreed on that option of the contract, we were led to believe that it would remain part of the contract, even if the contract was transferred. Now both XXXX and SPS are telling not only us, but other customers ( I was told this by XXXX ( 0n XX/XX/XXXX at XXXX hours ) ) that if it was an option, it is not considered binding by law. I have since in the last few hours learned from looking up customer complaints that SPS appears to be fraudulent in it 's practices. I firmly believe that once the optional agreement of a 3rd payment during the months that have a third Mon/Tue should be considered a part of a binding contract. I also want to know why XXXX was allowed to send my mortgage contract to a " DEBT COLLECTOR '' as stated clearly on SPS phone system when you call when we have not been late on our mortgage payments. That is a slap in the face to those of us who make our payment not only on time, but ahead of schedule. THIS IS FRAUD by both XXXX and SPS.
Consumer complaint received 2024-09-25
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: CBC Companies, Inc. (OK)

The inclusion of these unauthorized accounts and inquiries has caused considerable stress and concern regarding my financial well-being. It is imperative that my credit report accurately reflects my financial history and activities. Therefore, I request an immediate investigation into these inaccuracies and the prompt removal of the following unauthorized accounts and inquiries : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX
Consumer complaint received 2016-07-20
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Problem with statement of dispute
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I filed a complaint with TransUnion because a tax lien that is over 7 years old is still on my credit report. XXXX has removed it, but TU and XXXX have not. They replied with a very unclear confirmation that there was a tax lien. That was not my dispute and they never addressed the underlying dispute reason. The system appears to be very automated and makes no sense. The only option at this point was to fill out a XXXX page form and mail it somewhere. No telephone number was provided either at the initial dispute or to challenge and contact them. Uploaded screenshot shows how poorly the reply addresses my complaint that it 's been 7 years since the lien was filed and paying it and having it released should not re-age the lien. All they offer me is basically the chance to go through their automated nonsense again. https : //onlinedispute.transunion.com/oda/dispute/forms/InvestigationRequest_Chester.pdf
Consumer complaint received 2017-01-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (MN)

We were advised to use forbearance early in our loan and while going to school still. Looking back and now knowing what I know we should have been making what payments we could. Interest accrued during this time has really added up to a large sum.
Consumer complaint received 2016-07-20
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Freedom Mortgage Company (WA)

I contracted with XXXX in XXXX for mortgage for 30 yrs, in XXXX XXXX, they sold my loan to freedom mortgage in SC. freedom contacted me and told me that I need flood insurance. my contract with XXXX included a flood certificate which said I am not in a flood zone. freedom will not accept this document so I have spend weeks trying to get this resolved. 
they will add flood insurance 45 days from first letter if I do n't get flood insurance and I feel totally XXXX. I did not ask for an ; y of this and have a perfectly good document. I want to file claims against XXXX companies.
Consumer complaint received 2016-07-20
Product: Credit card — 
Issue: Billing disputes — 
Company: STERLING JEWELERS, INC. (FL)

XXXX XXXX reported me 30 day late payment for XX/XX/XXXX and 60 day in XX/XX/XXXX stating we only made partial payments when I was set up on a automatic withdraw program. 
I was never notified that the amount being withdraw was not correct amount and was under the impression that since the money was being withdraw from my bank account that payments were being applied correctly. 
I never received any statements nor any type of documentation of changes to payment amount from {$65.00} to {$180.00} and when informing representative of this their answer was simple well since we did not receive any return mail you should have received it. 

Also on XXXX XXXX, 2016 I called in to pay off account since my wife and I are in the process of purchasing a home any needed to boost up our credit and we were offered a settlement payment for the amount of {$870.00} which was paid that same day confirmation number for that payment is XXXX. Which they did apply it to our account until XX/XX/XXXX.Then on XX/XX/2016 an amount of {$65.00} was withdraw from my account again after settlement payment was made. 

When I called in to see why that amount was withdraw and requested a refund I was told since they had not applied the settlement payment to your account yet the {$65.00} is being applied to the remaining balance on the account and can not be refunded but yet they send me a letter dated XX/XX/XXXX that my account has a {$0.00} balance which does not make any sense to me. 

If we can find a way to remove this discrepancy from my credit score it will be greatly appreciated.
Consumer complaint received 2016-11-15
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Statebridge Company (IL)

My mortgage was sold from XXXX XXXX to Statebridge Company earlier this year. This is by far the most unprofessional company I have ever had to deal with. I was charged a late fee of {$45.00} for my XX/XX/XXXX payment as I had paid it electronically from my XXXX account to them directly on XX/XX/XXXX. Because Statebridge does not allow for electronic payments from a financial institution, the very unprofessional customer service person I spoke with informed me they did not receive my payment from XXXX until XX/XX/XXXX. He said they do not refund late fees because customers do not mail them in on time. He also stated that if I did n't like it I was free to refinance my loan with someone else. 
What frustrates me even MORE is that for me to make a payment with extra principal, I have to make that payment via SNAILMAIL or pay it online through Statebridge, but they charge me {$5.00} just to make the payment! If I want to make a payment to the customer service dept it costs {$15.00}! Oh and it wo n't show up on the statement that additional principal is being applied. You have to simply assume they did it. There are no documents or records to look at online either. 
What XXXX kind of archaic world is Statebridge doing business in?? This is XX/XX/XXXX, almost XX/XX/XXXX and they do not allow their account holders to pay directly online?? Snailmail??? Who XXXX uses snailmail anymore? Why in God 's name did XXXX sell my loan to such a circus of a company? Even their website looks like it was set up by some high school students for a project. Completely unprofessional and hodge podge. The employee also informed me that it would take 3-5 days for me to even SPEAK with a Supervisor or Manager! What the kind of outfit does n't even bother to talk with their clients???
Consumer complaint received 2016-05-11
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (WI)

I 've noticed that student loan repayments made on line by myself are immediately deducted from my checking account in real time - yet these monies in real time transferred to the lender often are not processed toward my loan for 3 whole days resulting in the accumulation of additional interest for these 3 days. Will that change as the " End Of Early Paydays '' will on XXXX, XXXX resulting in the immediate processing of my loan payment in real time?
Consumer complaint received 2016-11-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (GA)

I have disputed this account twice with the credit bureau. I have sent information concerning the payment history for the account on file. I sent information showing that my child support payments are not late as they continue to state. The bureau even received information direct from the company showing my payment history, yet they are allowing this information to continue to remain on my account. On my credit file it states that I have not sent a payment in for this account since XX/XX/2016, which has been proven by myself and the reporting company to be a lie. I have sent letters to the reporting agency asking for copies of my payment history and they have yet to respond. However, they sent the information to the credit bureaus.
Consumer complaint received 2017-03-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: Freedom Mortgage Company (IL)

I am upset because Freedom Mortgage is refusing to review my new modification packet. Freedom mortgage approve me for a trial offer back on XXXX. I did not take the trial because Freedom mortgage refused to do an appraisal of my property they use a old appraisal in order to modify my loan. Therefore I was fighting the value of my property, because is severely under water and I believe I can be provided a more affordable trial payment based on the current market value. I have paid for my own CMA however Freedom Mortgage refused to take it into consideration. My intentions are to keep my house with an affordable mortgage payment, I want for Freedom Mortgage to start a new review so I can keep my house and become current once again.
Consumer complaint received 2016-07-21
Product: Credit card — 
Issue: Balance transfer — 
Company: CITIBANK, N.A. (NY)

My Costco XXXX was taken over by Citi Cards. I have a balance on the card of XXXX. When Citi took the card over, they gave me a credit limit of {$3700.00}, which put my account into arrears, and they stated I had to pay {$1400.00} to put the account into good standing. My complaint is if they did not want to extend more credit to me, they had to give me a credit limit of at least my balance, so as not to put my account into arrears and cause me additional undue stress. Seems like an unfair and deceptive practice.
Consumer complaint received 2024-09-16
Product: Prepaid card — General-purpose prepaid card
Issue: Trouble using the card — Trouble using the card to spend money in a store or online
Company: Incomm Holdings Inc. (AR)

I have my gift card and was only able to use it once at a pump for {$5.00}. My card has a {$490.00} balance but the company has blocked me from making transactions.
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

my complaint is against ocwen mortgage. I refinanced my loan XX/XX/XXXX. at the time I did not have my taxes and insurance escrowed. I sent the required documentation to get my taxes and insurance escrowed. this year I receive a late notice from the tax assessor. I call ocwen to find out whats going on since my statements clearly show that money is escrowed for taxes and insurance on my statements. first call states I do not have an escrow account, second call ocwen states I only have insurance taken out. I call my insurance company and sure enough they have not been paid. third call to ocwen I am told the money escrowed was for an advance on the insurance from the previous year. I never asked them to advance anything just collect taxes insurance for an escrow account. they claim they sent me a letter stating my escrow account was originally denied. I never received this letter nor did I ever ask for any type of advance on the previous years insurance. I was under the assumption that my taxes and insurance were being escrowed once the escrow started. in addition when I asked to speak to a supervisor I was told XXXX the supervisor would call me back. when I asked for his extention I was told I cant have it. it takes at least a day or two for ocwen to call me back each time I leave a message. I constantly keep getting different answers from them regarding the escrow account. I am not even allowed to speak directly to the escrow department. I am now in a position of have to pay {$1100.00} in taxes ( plus late fee ) and another {$1400.00} in insurance that all along I thought was being escrowed. I also asked ocwen to pay the taxes and insurance and set up the escrow properly. I received an email from them stating they could not because the taxes and insurance were past due. naturally they are past due because I was under the assumption ocwen was paying them. I would appreciate any help in this matter
Consumer complaint received 2016-11-15
Product: Prepaid card — Payroll card
Issue: Fraud or scam — 
Company: Empowerment Ventures, LLC (LA)

Friday, XX/XX/2016 I cancelled a layaway at XXXX and the {$400.00} was credited back to my prepaid card. Rushcard credited the account in an hour and then blocked the card for potential fraud. i used the card to do the layaway at XXXX that is the reason the money was refunded back to the card. rushcard states i never used the card at XXXX which is a lie. i have {$280.00} that i do n't have access to plus i will receive a direct deposit to the card in 2 days that I will not have access to. They claim the corporate office has to review the matter and release the hold. I have submitted a documents requested such as id, ss card, proof of address and receipt of transaction at least 4 times since Friday still no resolution. this is causing me a financial hardship and i am very disappointed with Rush card. I want to officially file a complaint on Rush card.
Consumer complaint received 2016-04-11
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Alliance One, Inc. (NY)

Fraud on my credit report. Checked my credit report and found that macys has a fraud account on my credit and has a charge off which I never opened nor received a credit card from them and it is negatively affecting my credit score. I have submitted fraud papers, etc to macys itself, and whenever I try to get through to the fraud department, I can not. I contacted the CEO office of XXXX and spoke to numerous executive associates that transferred me to ALLIED ONE ( the debt collector ) because XXXX could no longer help with this issue so they stated. They are saying my account is accurate. I need to know if the next step would be to get an attorney?
Consumer complaint received 2016-11-15
Product: Credit card — 
Issue: APR or interest rate — 
Company: CITIBANK, N.A. (FL)

I paid my balance on my Macys credit card in full. I now see that they have been charging me {$2.00} a month for the past several months. They have also closed my account and I 'm sure this has affected my credit rating as I am showing a past due balance of {$14.00} at this time.
Consumer complaint received 2016-07-21
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SANTANDER BANK, NATIONAL ASSOCIATION (MA)

I overdrafted my checking account at sovereign bank a few years ago on a small charge. Shortly after I overdrafted I had my wallet stolen. I had overdrafted between XXXX and XXXX dollars and now I am being called by collection agencies looking for XXXX dollars. I went in to my local ( whitman ) santander branch to resolve the problem and they were not willing to wipe the charges. I am a college student and I am struggling to open a bank account because of this ludicrous fee that I can not pay off.
Consumer complaint received 2016-04-11
Product: Credit card — 
Issue: APR or interest rate — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

In XXXX 2009 there was a return payment on my Bank of America credit card account. From that point on I have been charged for a cash advance, and my interest rate went from 7 % to 24 % I have made every payment due and also paid the month of the NSF. My account has remained current from the beginning of the loan until now. I recently contact Bank of Amercia about this discrepancy and they stated it was nothing they could do. Please help..
Consumer complaint received 2017-03-21
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (MI)

I recently switched my cell carrier to XXXX. I was told I would have to pay for the phone up front and use autopay because they could not get my credit score from Equifax. I requested and received a copy of my credit report from Equifax which clearly shows a hard inquiry from XXXX. I have written them twice but only received a copy of my credit report ( which I clearly stated I already had ) plus generic form letters which did not address my issue.
Consumer complaint received 2016-11-15
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting report or credit score
Company: EQUIFAX, INC. (NC)

Equifax Credit Reporting Agency denies releasing my credit report to banks when I apply for credit or sends a response back to them stating that my information does not match the records leading to denial of credit multiple times. I have contacted Equifax through physical mail multiple times to understand the issue but I get no response. I have checked my free credit report and there are no errors or issues reflected in that personally retrieved report. The only issue is that since I moved to the US after XX/XX/2011, the legally issued SSN to me is from a randomized pool chosesn by Social Security Administration and Equifax fails to recognize it as a legally issued SSN. Despite having a perfect credit history with never having missed a payment, I get denied for credit with the reason being that either Equifax did not release my credit file to the lender or issued a statement that my responses to a security quiz are false ( which they are not ). I seek CFPB help to ask Equifax to fix the credit reporting system it has and not raise false security alerts leading to multiple denials of credit to me as a consumer.
Consumer complaint received 2017-01-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

I have told this company on multiple occasions that they have my info mixed up with someone else 's file : 1. My name is XXXX XXXX - it 's never been anything else. Please update and remove the alias. 

2. My address has been XXXX XXXX XXXX XXXX XXXX, FL XXXX for the past XXXX yrs - Remove all other addresses because I 've never lived there. 
3. It 's showing several inquiries listed -- Please remove anything for the past 3 yrs as I have not applied for anything, I 'm a college student. 
4. The employment information is incorrect - Remove and I do n't wish to update.
Consumer complaint received 2016-04-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Credit Central Holdings, LLC (SC)

The creditor never states the company or who they are. The message simply gives a name of the person and how they need a phone call back today regarding a very important business matter. They called 3 times within 1 hour, twice on my cell and once to my work.
Consumer complaint received 2016-06-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NC)

For over 2 years I have been filing and re-filing for a RMA ( Request for Mortgage Assistance ) with Select Portfolio Servicing , Inc. having no result. I learned from XXXX XXXX XXXX that Select Portfolio Servicing , Inc was found guilty of wrongful business practices in 2012, and they still refuse to pay any restitutions. For each time a client submits a RMA they receive XXXX dollars from the Federal government as incentive to help citizens suffering from hardships. Today, they have people to submit and resubmit the same documents multiple times. I worked for 20 years at XXXX only for the company to be sold to XXXX. Two months after the final papers were signed lay offs began and I was given XXXX ( XXXX ) month severance pay. Gov. XXXX XXXX changed unemployment time allowance from 2 years to 3 months, which made XXXX unavailable for Federal assistance. He also cut the XXXX program which extended unemployment for people that enrolled in school for retraining after being laid off. It has been arduous trying to return to work. I am the only graduating student from XXXX having received XXXX and still have n't landed a job. Age discrimination? You tell me.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

Someone Used My Social For Apartments I never stayed in, I have several evictions dates on most I was underage .Now as an adult I 'm having trouble finding a place because of the evictions on my credit ... May have been a mistake and you guys placed it on the wrong credit because me and my father have the same name and these were places he stayed not me