davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-04-20
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (CA)

My husband and I have the following complaints against Specialized Loan Servicing ( SLS ). 
They hold a second mortgage against our property and have done so since XX/XX/XXXX. Recently, my husband and I have been trying to obtain information regarding our loan from SLS to avail. We have been advised that our account is past due, but unable to get information on when the account became past due and how the amount stated was determined. I would like to receive confirmation on when our checks were received and when they were credited to our account. I am concerned checks are being held until our payment is due, therefore incurring late fees. For example, our XXXX XXXX payment was written on XXXX XXXX, then our XX/XX/XXXX payment was written on XXXX XXXX, but both checks were deposited on XXXX XXXX ( see bank statement attached ). 

We are also concerned that SLS has advised us in writing that our monthly payment is going to increase effective XXXX XXXX, XXXX, but have been unable to tell us what that new amount is going to be. We have called several times to obtain the information. Once I was told by the customer service representatives that our payment was not going up ( XXXX ) ; then I was told they did n't have that information available ; then I was told that could not give me that information. I believe they are withholding the information in an attempt to deliberately make our account delinquent, therefore securing more money from us. 

We also do n't understand how SLS is not responsible for sending us monthly statements for our account. We have requested statements, but have been told they do not provide them but I could go online for the latest information. When I did that yesterday, it showed our last payment received was on XXXX XXXX, XXXX and that our next payment due is on XXXX XXXX, XXXX and the amount due is XXXX. But we received a letter stating our account is in default and a possible foreclosure action is pending. 

We do n't know if this is a new policy or what, but all of our other creditors provide statements indicating the amount of payment due, the balance of the account and a payoff amount. Again, I believe SLS does this on purpose in hopes of customer 's falling behind and incurring additional fees or a worst case scenario of someone losing their property. 

We would like a letter written to SLS with our complaints and requesting documentation of every payment made, every late fee and any other fees charge and when they were applied and how long it takes them to process payments. We would also like in writing, the new payment amount due and a payoff amount.
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (NV)

During the process of selling a property XX/XX/XXXX, I was told by the title company that they were unable to get a clear title because a day before the scheduled closing XXXX claimed there was a mortgage default and would not clear the title. As a result {$60000.00} is being held in escrow from the sales proceeds. The mortgage on the property was paid in full in 2003. I have proof in the form of cancelled checks, bank statements, XXXX forms from the mortgage company which correspond to my tax returns, a payoff balance letter form the mortgage company, and a congratulatory letter from the mortgage company when I sent final payment. The original mortgage was with GMAC Mortgage the final mortgage payment was made to them. Due to the banking meltdown, this issue has ended up with XXXX. Lawyers at the title company I 'm working with have contacted attorneys at XXXX and XXXX XXXX, a vice-president at XXXX. They been unsuccessful in obtaining from XXXX what they are claiming the actual default is or any proof that there even is a default. I have called XXXX XXXX VP at XXXX numerous times to only receive voice mail. I have sent numerous emails with the same result. I also went to XXXX in person and attempted to speak personally with XXXX XXXX and deliver supporting documents as listed above. I was n't even able to gain access beyond the lobby of the building. In addition, no one would accept the packet of documentation I had prepared for XXXX XXXX. 
It is now being suggested to me, by the title company, that in order to release the escrow funds I may need to buy a bond for an additional {$900.00}. This mortgage was paid in full thirteen years ago and I have the proof. To pay more now seems ridiculous.
Consumer complaint received 2016-10-20
Product: Credit card — 
Issue: Credit card protection / Debt protection — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MD)

Bank of America has not recognized any of the fraud claims I have sent to them in the past 5 months and thus right now they owe me XXXX dollars including the current fraud claim on my credit card. If they fail to recredit my credit card and pay me the total XXXX, I will take this case to small claims court.
Consumer complaint received 2016-10-28
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

The servicer is asking for canceled Social Security checks from the Borrower because he cashes his checks instead of depositing. The award letter was provided for both him and his wife. THe servicer will not move forward with the modification until they get canceled checks from the social security office which will take some time. The borrower and co borrower are a XXXX XXXX. It is very difficult to get back and forth to the bank and other places when the servicer keeps asking for docs. So it takes time to get the docs and send to them. The home is in danger of foreclosure.
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (IL)

I have been working on this short sale for awhile now. I had XXXX approval letters on hand XXXX for XXXX and XXXX for XXXX. The reason for lower offers is this house has a lot of repairs. Also, the furnace is not working. When the loan was transferred from nationstar to rushmore they said we would be able to pick up where we left off but they ordered a new BPO and the value came back at XXXX. It is hard for me to believe that in 3 months the property value can go up XXXX. There are houses listed for this amount in the neighborhood but they are regular deals and in prestige brand new conditions. Why is someone going to offer XXXX on a house with a bunch of repairs and that you wo n't even have heat in the winter when you can offer it on a brand new home. 


The appraiser did not know how to read instructions and he got mad that he went to the property and could n't open the lock box. I think he got mad at the realtor and took this appraisal personal by jacking up the price. I work in real estate and never in my life have a seen market value jump up XXXX. There was XXXX BPO done by the previous lender and both came in at XXXX and XXXX range. My client is being treated unfairly in this situation and being denied the chance of getting a short sale.
Consumer complaint received 2017-01-10
Product: Debt collection — Medical
Issue: Communication tactics — Frequent or repeated calls
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch (MD)

I keep receiving calls from a company called American Medical Collection Agency several times a day. The number they are contacting is my business line. Every time I pick up the phone, no one responds and then they hang up. In addition, if I am unavailable to answer, my voicemail will pick up. However, they will not leave a message. I am not sure who they are trying to contact and I do not believe the call is for me. My number was registered to another person, but I am unable to verify who they are calling for.
Consumer complaint received 2024-10-10
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

Im sure Ive been paying on time, yet there are some months where Ive been reported as late, which shouldnt happen. USC 1666b states that any billing errors must be corrected and the account updated to show it was paid as agreed.
Consumer complaint received 2016-12-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

As of XXXX XXXX, 2016 " PORTFOLIO RECOVERY ASSOCIATES '' has resubmitted a debt that is not mine. New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debt Collector Original Creditor Balance Owed Reported By PORTFOLIO RECOVERY ASSOCIATES XXXX {$5200.00} XXXX This debt was removed then reactivated. Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections accounts have been removed from your credit report. 
Account Type Removed Status Reported By XXXX. Collections Removed XXXX PORTFOLIO RECOVERY ASSOCIATES Collections Removed XXXX The original amount owed according to XXXX was {$2500.00}. This should be illegal.
Consumer complaint received 2016-04-19
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIZENS FINANCIAL GROUP, INC. (CA)

Hi I sent {$3700.00} to my son by using the pay bill online service of the Citizens Bank. The money was cashed by somebody else. The Bank refuses to refund my money and claims that the check that was sent to my son was altered by somebody who scanned and cashed it in XXXX What recourse I have?
Consumer complaint received 2016-07-18
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Freedom Mortgage Company (ID)

Freedom Mortgage purchased my loan. They do not abide by the terms originally set in my loan nor do they acknowledge that this is a federal requirement, to include the payment due date. 

When converting to Freedom Mortgage from New Day USA I did not receive federally mandated written notification on where to pay Freedom Mortgage. Their conversion to allow me online access took eight weeks. I called them prior to deploying as the conversion was taking place as I was stepping on the plane overseas and expressed my concern that I was not able to log in, nor did I have documentation on where my mortgage payment was to be sent. 

Eight weeks into the XXXX my neighbor emailed me stating that I had a foreclosure notice on my door - with literally no way to pay my mortgage as it was lost in cyberspace of converting it over to a Freedom Mortgage loan. Freedom Mortgage charged me {$15.00} for placing the foreclosure notice and doing a " home inspection '' to see the status of the property. I advised them that not only was I attempting to be proactive in paying my mortgage, they were in violation of Service members Civil Relief Act by attempting to foreclose on me while XXXX. 

This is, hands down, the worst mortgage servicing company I have ever dealt with. They are in violation of several federal mandates and SCRA protections with ZERO accountability.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Adjustment Service, Inc. (TX)

I had a strange issue going with XXXX XXXX that created a need to change services. I was happy with XXXX, and would still be with them, but when clients were calling my phone they would get a NOT A WORKING NUMBER message. After several months of their attempt to find the problem a senior engineer acknowledged the issue but was not able to correct it. I had to file with the FCC to get released from the contract and credited for phones we had purchased as potential solutions. FCC Ticket number XXXX. We were released from the contract, paid the outstanding bills and returned the phones. 

I was denied a loan for my business because of the negative hit placed on my credit by Diversifed Adjustment XXXX XXXX XXXX XXXX XXXX, XXXX XXXX MN XXXX. I called and attempted to get it resolved with them but the CSR claimed they intended to collect to remove it from my credit report. 

I would like to hold them responsible for the damage done and the lost revenue to my company due to this false claim. 

XXXX is a great company with some issues that they could not repair. They also have a bad return acceptance department as this is the second time they claim not received phones when they have been returned. 

As a note we purchased XXXX or XXXX phones within months in an attempt to correct the false call message to no avail We were left with no alternative but to switch services. 

Diversified is a collection company that is not willing to listen and the rep became stubborn and insistent that the bill was owed and nothing said or presented was going to change that.
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

XXXX incorrect information. 
Previous balance of {$410.00} was the original purchase in XX/XX/2016, I was never late since the interest was 0 % for 1 year or 19.5 % if not paid in full. Original purchase was paid in full back in XX/XX/2016, no more additional purchases were done, and will never do!!! 
Payment : # XXXX Monthly???? I did pay monthly as shown on the attached XXXX statement .... 
Thank you in advance for your great support!!! CFPB
Consumer complaint received 2017-01-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (VA)

I was a XXXX XXXX customer between XXXX XXXX and XXXX XXXX. In XXXX XXXX, I discontinued my XXXX. XXXX charged me a {$130.00} " early termination fee '' ( ETF ), alleging that I had agreed to such a fee previously. However, I had never entered into any contract with or agreed to any " early termination '' clause with respect to my XXXX. I asked my bank, XXXX Bank XXXX XXXX, to mediate the dispute. After contacting both sides, XXXX issued me a refund for the {$130.00} that had been erroneously and illegally charged to my account. I naively assumed that the XXXX Bank decision would settle the matter. 

However, XXXX continued to pursue me for this money, even after XXXX Bank resolved the mediation in my favor. XXXX referred this debt to a collection agency, XXXX XXXX, so I filed a complaint with the CFPB ( XXXX ) against XXXX and XXXX XXXX. XXXX responded to the CFPB to state that XXXX had, " closed and recalled this account, '' and, " XXXX XXXX will make no further efforts to contact you. '' However, this adverse item continues to appear on my Equifax credit report. I disputed the adverse item with Equifax and they refused to remove the item from my credit report, even though XXXX XXXX has provided XXXX evidence that this is a legitimate debt. 

I am contacting the CFPB for their assistance in mediating this issue with Equifax, and to help remove this black mark from my credit report.
Consumer complaint received 2017-01-11
Product: Credit card — 
Issue: Other — 
Company: AMERICAN EXPRESS COMPANY (FL)

I am submitting a letter I prepared for my XXXX counsel plan, but then professionally put to letterhead by them and forwarded in my behalf ... ... ..It is presented as I fully expressed to the lawyers ..They sent an initial letter XX/XX/XXXX ; and then after no response, the same letter subsequently was resent by Certiied mail on XX/XX/2016. Both attempts have resulted in no responses or acknowledgement. 
The address for American Express Company, New York, was given to me by a representative of my Delta American Express Credit Card company when I originally sought information on how to register my complaint of its unfair consumer presentation and dellivery. Hopefully, an outreach effort by your organization will assist me in receiving what is fair and due me by virture of good and honest business ethics.
Consumer complaint received 2016-07-18
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (GA)

I have multiple complaints. 
1. My husband and I became unemployed in XXXX and applied for a Special Forbearance we were approved and was told we had to make payments of XXXX my question is if we were unemployed how do we pay XXXX a month? I maxed out my student loans just to make the payments up until XXXX because school ended in XXXX I could not get any more funds. I thought when I got my taxes I would pay past due and then continue to make payments. However, my taxes were delayed 3 months due to marketplace insurance. In XXXX we received a letter denying the Special Forbearance and was told we did not qualify for any other programs. I was told by the XXXX Georgia rep this month that if we were unemployed we should not have been required to pay anything. Now I am in default with my student loans. 
2. I received advertisement that my house has a foreclosure sale date of XXXX XXXX, XXXX. I did not receive any default paperwork nor did I receive notification of any kind pertaining to the sale. I received a letter from an attorney that my house was in foreclosure dated XXXX XXXX. At which time I contacted Bank of America to start the process for a loan modification at which time the representative should have disclosed the sale date to me. I tried applying sooner but was told that we did not qualify for any programs. I tried applying when my job started working in XXXX and was told that I had to have 30 days of paystubs in order to apply. I called Bank of America after getting flooded with advertisements. to inquire why I did n't receive any notice regarding the sale date the rep said that a notice dated XXXX XXXX, XXXX was mailed indication default and foreclosure status. The issue that I have is that my loan was modified and bought current in XXXX at what point is the foreclosure status removed? I should have not been blindsided new notification should have been sent to me. 
3. Bank of America will not release {$3000.00} of funds paid by my Homeowners Insurance Policy for my roof a year ago. They are requiring a roof company to fix the roof and we can not afford the deductible and the roof companies will not do it for less. I have someone that will repair the roof but BOA will not release the funds
Consumer complaint received 2016-07-18
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: NAVY FEDERAL CREDIT UNION (DC)

In 2010 I was involved in a fraud case with navy federal I was contacted by an investigator XXXX. He told me to come out XXXX this was something they were aware of they had XXXX suspects. Make a long story short they have locked and arrested the inviduals up which I have later found. I been calling Navy federal to find out how do I handle this and they have not provide with any type of assistance only to pay my debt but this is completely a fraud case the guy from XXXX took my money and never giving me any car he have my social securitt number and much and many more.
Consumer complaint received 2017-01-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WELLS FARGO & COMPANY (GA)

I was granted a judgement in the XXXX of GA, XXXX court to garnish a company 's account. Wells Fargo was provided with the court 's subpoena XXXX times. Wells Fargo knowingly provided false information regarding the existence of an account at their institution the first and second time. Their third answer to the garnishment was a notice that the party 's account was finally closed. This action is illegal under federal law.
Consumer complaint received 2016-07-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Kross, Lieberman & Stone, Inc. (TX)

I sent Kross Lieberman & Stone on XXXX XXXX, 2016 to request validation under the Texas Financial Code. On XXXX XXXX, 2016 i received improper validation from the Kross Lieberman & Stone. On XXXX XXXX, 2016 I sent Kross Lieberman & Stone another letter informing them that they did not properly verify the debit under the Texas Financial Code and that they either need to verify or delete the debit. Kross Lieberman & Stone received that letter on XXXX XXXX, 2016 and i did n't get a response back from them. I sent them one final letter on XXXX XXXX, 2016 letting them that they never responded to my request and that since they are refusing to acknowledge the debit validation or send me what i am requesting under the Texas Financial Code and i ask that they delete the tradeline since they are properly giving me the validation i request in my first correspondence. Once they received that letter on XXXX XXXX, 2016 and I never recvied anything thing else from them and they are still showing on my credit report.
Consumer complaint received 2016-12-27
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: MacDowell & Associates, Ltd. (GA)

On XXXX XXXX, 2016, I attempted to call MacDowell & Associates LTD to discuss a possible settlement with regards to a lien against my property. We are in the process of selling this property. When I first called, the women ( who refused to give me her name ) I spoke with on the phone was initially cordial on the phone and provided me with the information I requested. When I call back a second time, she was noticeably more aggressive and agitated on the phone. The purpose of me calling back a second time was to initiate a discussion about a settlement amount. The woman on the phone became irate and began yelling at me on the phone, saying that I " better pay dat debt '' over and over again. I stated that she was yelling at me and she said that was her normal tone of voice, then she hung up the phone. I call back to try to get some conclusion to my intent for calling and she called me a " racist '' over the phone, then hung up again. I have attempted to call back many times and now there is no answer. I felt threatened and severely offended by her calling me a racist, especially since I said nothing racial over the phone. And now a high level of emotional distress for me and my wife. 

This type of language is unnecessary, unprofessional and was used in a way to attempt to threaten me and my family.
Consumer complaint received 2016-07-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

We have been trying to sell a property since XX/XX/XXXX. We have a motivated buyer willing to pay in cash. We have submitted all the documents to Ocwen and have received a conditional letter of approval. Meanwhile it is now XX/XX/XXXX and Ocwen has n't given us the approval for sale yet they have everything asked for. They have made no effort to contact us regarding the sale but call to harass four to five times a day to collect the debt. No one at Ocwen knows anything but have started foreclosure proceedings on the property that 's waiting to close on by them stalling.