davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Communication tactics — Threatened to take legal action
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MO)

XXXX XXXX credit card Compromised : fraudster : XXXX XXXX XXXX XXXX XXXX location XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX made deposits to the account from a Bank of America account. XXXX XXXX said that they suspect fraud the money was transferred by phone. and than returned because they could not collect debt of $ XXXX.paymentsDate Method Account Name Payment Account Confirmation Code Amount StatusPending PaymentsPayment HistoryXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$12000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX XXXX SavingsBANK OF AMERICA, NA ... XXXX XXXX {$11000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8900.00} XX/XX/2015 Phone Platinum XXXX ... XXXX Personal CheckingBANK OF XXXX, NA ... XXXX XXXX {$5000.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal CheckingBANK OF AMERICA, NA ... XXXX XXXX {$8800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4800.00} PaidXX/XX/2015 Phone Platinum MasterCard ... XXXX Personal SavingsBANK OF AMERICA, NA ... XXXX XXXX {$4200.00} Paid
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (IL)

I XXXX XXXX primary residence at XXXX XXXX XXXX XXXX XXXX, Illinois XXXX have lived her for 47 years. I inherited my property from my mom. The house went in your name in XXXX and had modification done in XXXX or XXXX. My mortgage payment including taxes and insurance was {$1200.00}. I was attacked by a XXXX student were I was working as a XXXX for XXXX XXXX XXXX. I had to go out on long term XXXX because of the attack and being diagnosed with XXXX, You notified my mortgage company for the loss of income. In XXXX I was diagnosed with XXXX. In XXXX taxes were due and the mortgage company fail to pay my real estate taxes and insurance. My taxes went up for sale and was purchased for {$10000.00} and the tax buyer now wants me to pay {$90000.00} for my home that is acquiring possession on XXXX XXXX. The mortgage company said they did not get any notice. However, my mortgage company had a responsibility to pay my taxes and fail to do so. I have a court date tomorrow and the mortgage company to be present to defend themselves of no notice to pay the outstanding taxes back to the tax buyer of {$10000.00} to avoid me loosing my home and paying {$90000.00} to buy my home back. 
I am trying to get a mortgage to purchase my home but need time. However, I could apply for another modification and avoid credit issue and start back paying my mortgage again now that I am now gainfully employed again and have been for a year now as a XXXX for a XXXX XXXX. I feel I am a target of mortgage fraud of loosing my home and have not being treated fairly. I have tried to work with the mortgage company and have not got any assistance. I got a letter from for tax buyer representing their title Mortgage Broker and Auctioneer. The company name is XXXX XXXX XXXX. Its very strange to me the lender did not pay my taxes when they was suppose to have paid them from my escrow account regardless of me being behind in my mortgage payments and my mortgage is still of record and has not been released and the foreclosure was dropped. I was denied a new modification program to reduce my payments when I became ill. Please assist
Consumer complaint received 2015-12-17
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: FIRST CITIZENS BANCSHARES, INC. (NC)

I am approved for a new 1st mortgage and the 2nd mortgage home equity bank First Citizens of North Carolina was asked to subordinate their loan. I was declined verbally for the subordination and given the reason : I am cashing out combined with a XXXX score, however, approved if no cash out, which concerns me for Fair Lending. I also explained that the score does not reflect the recent XXXX mortgages paid in full and as agreed on XXXX/XXXX/2015 for {$500000.00}. The refinancing company also sent the XXXX to show those mortgages are paid and closed as proof and verification.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Northwest Collectors Inc. (IL)

Northwest collectors reported a collection account to my credit report without notifying meof the debt. This is a violation of the FCRA. They did not perform any due diligence to findcorrect address information for me. As such, I never received any written notification of thisdebt and I did not have a chance to make a payment to it. This is stemming from anelectronic speeding ticket in XXXX. I never was aware of this ticket andhad no idea that I was issued a citation. No notifications were ever received from the XXXX XXXX or Northwest Collectors. 
When it was brought to my attention, I immediately paid the account. I was also assuredthat this will not do any damage to my credit score once it has been paid. This is completelyinaccurate and I was misled into thinking that this was a nonissuewith respect to mypersonal credit score. I have just recently discovered this and I am paying a very hefty priceas a result of this. 
How is it possible that I can not get my credit destroyed without any written notification of adebt and then once I do XXXX it, I pay the bill and am assured that my credit score is notgoing to be damaged. This turned out to be a blatant lie and a material misrepresentation of the facts.
Consumer complaint received 2015-05-19
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (FL)

ComplaintDescription of the complaintMy name is XXXX XXXX. Suntrust took XXXX dollars from me and then refunded it saying that it was a bank era for overdraft protection. Two days later they took XXXX dollars from me although I had XXXX in savings. They refused to refund my money! This is not the first time I have had a problem with suntrust for the same reason. They told me that my savings account was. Loses due to federal regulations and then turned right around and said that all of my money was in savings. What savings account? I went into a branch soon after and withdrew all of my money and had to close my savings account even though they told me it was already closed. This bank is a scam. The only way they make money is by charging you unnecessary fees. This bank has taken my money several times for overdraft and every time I have been refunded I have requested that I be signed up for protection and no notes In there system for it. This bank is draining me and they offer no assistance! Can you please help me?
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Unsolicited issuance of credit card — 
Company: Paypal Holdings, Inc (CT)

PayPal. I purchased a music CD and paid with PayPal, which I have a cash balance with. Somehow I got enrolled in PayPal credit which I did not want. I got a notice that my purchase was due with penalties. I tried to email PayPal that I never wanted their credit and to just pay for the purchase with my balance. I got a letter/bill last week. I called their customer service and said that I was very unhappy about this, I would ( and did XXXX pay the purchase plus the {$7.00} fee via check and specifically told them to close the account ( credit ). It was n't until I read the XXXX XXXX XXXX article about the lawsuit that I realized what had happened.
Consumer complaint received 2015-05-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

yes my name is XXXX XXXX and my complaint is with USAA. I fell victim to fraud I filled out an ad online through XXXX thinking it was a build your own business kit and it turned out to be a scam. First they want to hold me responsible for paying the overdrawn balance I feel as though that is not right for me the customer having to pay for the wrong doing to me by someone who committed fraud on behalf of my checking account. Now they are reporting to the credit bureau about this incident. I 'm a XXXX and me getting treated like I 'm the criminal is very unacceptable I feel as though that the balance should have been written all I was able to continue to use my account because my military pay for XXXX my tax return the month of XXXX in the month of me my military pay has been garnished because they said that I had to pay back the overdrawn balance and it was over {$5000.00} of my money that I work hard to make has been garnished trying to please USAA not knowing that my money was being garnished for me being victimized of fraud or my account being compromised. I would greatly appreciate it if I can receive a phone call and or an email about this situation and I can fill you in with more details about what took place because I would like to have the money that I put it in the account by me being the XXXX back. that 's all that I want from USAA is my money the money that I made on a monthly basis with the XXXX in my tax return I want my money back if they ca n't compensate me for what has been taken from me due to being victimized a fraud then I want to take them to court behind this matter I think is very unprofessional and very degrading and very disrespectful to treat a customer like he or she is the criminal that was done to them.
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: PORTFOLIO RECOVERY ASSOCIATES INC (IL)

They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.
Consumer complaint received 2015-05-19
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (OK)

I received a call on XXXX XXXX, 2015 at XXXX from a " process server '' working for XXXX on case number XXXX who said she has suit papers for me. She said that I needed to call XXXX with the case number. The representative stated I am being sued on a debt that 's over XXXX years old. When told the debt is " time barred, '' he stated the debt was re-aged and I could be sued for the debt. He also said I must pay up or take my chances in court. In fact, the debt is so old, it 's not even on my credit anymore, which they assure me will change.
Consumer complaint received 2015-05-19
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: U.S. BANCORP (LA)

Loan modification/loss mitigation options are denied because lender states they have not received the requested documents. The requested documents were repeatedly submitted. The last date consumer submitted the documents to lender was XXXX XXXX, 2015. Additionally, lender repeatedly asked for letter from former employer stating consumer is no longer employed despite having a letter from the consumer stating she is no longer an employee of the company and a Notice of Separation from Consumer 's state 's XXXX.
Consumer complaint received 2015-05-19
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: EQUIFAX, INC. (IL)

Wrong credit information on credit report debt should have been released and is still showing as liable as I have files bankruptcy. below is what is appearing on credit reportCIVIL JUDGEMENT IN BANKRUPTCY XXXX XXXX XXXX $ 0XXXX XXXX XXXX XXXX $ XXXXXXXXable after filling
Consumer complaint received 2015-05-19
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (PA)

Wells Fargo send me a letter, the reason I could not refinance my loan supposedly not enough assets. I do have enough money into my account to pay for settlement. I have try to reach out to XXXX XXXX XXXX XXXX what other options I have for refinancing my loan, no returned calls have been made. I have XXXX skip payment for this month, and the money that is in the bank is for settlement cost if they decide to settle with me.
Consumer complaint received 2015-05-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Viking Client Services (CA)

On XXXX/XXXX/15, Viking Client Services contacted me by mail about a " debt '' of {$670.00} from XXXX Car Rental. I know of no such debt. I contacted XXXX who had never told me about anything like this, and XXXX had no information about it. I wrote on XXXX/XXXX/15 to Viking telling them there was no such debt and asking that they drop it or " obtain a verification of the debt or obtain a copy of a judgment and mail to me a copy of such judgment or verification '' as they had indicated they would do so in their XXXX/XXXX/15 letter. They have not done so or responded in any way. On XXXX/XXXX/15, I received a letter dated XXXX/XXXX/15 again referring to this " debt '' and " offering '' me an initial payment plan of {$50.00} per month for XXXX months. 

This entire approach seems fraudulent, predatory and abusive. They have not provided any information on this " debt '' ( as they indicated they would do XXXX. I worry not so much about me, as about other poor individuals whom they must be approaching with similar tactics : official-looking letters, names of big corporations XXXX like XXXX XXXX, and no back-up or information. Just demands for cash payment for so-called " debts. " I am willing to cooperate with the CFPB or any other agency to help stop these predatory, abusive practices. If there is an attempt to collect a " debt, '' the debt collector should at a minimum be required to describe the so-called " debt '' to the debtor.
Consumer complaint received 2015-05-19
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (PA)

I have an original certificate of deposit from XXXX XXXX and Loans. It was lost in my fathers safe for 30 years. The bank has since closed and the accounts are now being held by Wells Fargo. I went to my local Wells Fargo branch and received little help. I got the feeling that I was not acknowledged due to the potential pay out of a CD for {$6600.00} at 8.95 % after 30 years. Wells Fargo said that they researched it and could n't find anything on it. I told them it was not paid out as I still have the original certificate. I would like to be paid out for the certificate. The account number is XXXX XXXX and it was issued on XXXX. It is issued to XXXX XXXX in trust for XXXX XXXX.
Consumer complaint received 2015-05-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (VA)

We had our mortgage modified in XX/XX/XXXX. But due to an XXXX we missed our XXXX payment and received notice from our mortgage company we needed to send in XXXX payments by a specific due date. When we saw a problem we contacted via phone and email our dedicated loan specialist and informed her of this problem. When we tried to send the payment in XX/XX/XXXX it could not be sent XXXX XXXX which is the way we always made most of our payments online. We called the mortgage company due to this was the message we received, and where told by a customer service person they would only take just over four thousand dollars. We explained to them that we where awaiting tax return and they mainly told us we had to have this in asap. We received an collection agency letter and contacted them about our situation by fax but they never responded. We continued to reach out to our mortgage company but as of today XX/XX/XXXX they have only sent us notice as to how much we owe. We where seeking a forbearance mainly due to the medical situation, but they have not attempted to assist us in anyway. Our past due just gets higher and higher and they are aware of this and still just seem to not care.
Consumer complaint received 2024-09-19
Product: Credit card — General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement — Card was charged for something you did not purchase with the card
Company: GOLDMAN SACHS BANK USA (NY)

I attached the photos before. I disputed XXXX transactions with Goldman and Sachs Apple Card. XXXX of these disputes so far were won in my favor with the amounts being {$57.00}, {$62.00}, and {$88.00}. These amounts were never returned to me when I won the dispute. The company closed my credit card account without any reason or explanation and after a month have not provided me with XXXX as per their policy. During the period that my account has since been closed I received emails from Apple that I won these disputes and the disputes were resolved in my favor. The money was never returned to me. The credit card company is just taking the money they owe me to keep for themselves.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (VA)

I am currently working part time and is struggling to repay my XXXX private loans. XXXX XXXX XXXX recently sold my loan to American Education Success. XXXX prior to selling my loan to AES sent me a letter. In that letter, XXXX wrote that all the terms would remain the same. However XXXX had my loan in deferment until XXXX 2015. AES has informed me that payment is now due on XXXX XXXX, 2015. The AES Agent said that their are not going to honor the letter..
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Credit decision / Underwriting — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (ID)

I filled bankruptcy, including my mortgage with Rushmore Loan Management in XXXX and it was discharged XXXX XXXX, XXXX Creditors are supposed to cease reporting negative items after the notice of bankruptcy being filed and creditors discharging items. I am protected through the bankruptcy against any further consequences for this loan. After several credit disputes, Rushmore continues to report derogatory information on my credit reports. They will not remove the comments " settled for less than the amount owed ''. This comment along is not allowing me to get a mortgage to purchase a new home. ( FYIXXXX was the lender at the time of the Bankruptcy )
Consumer complaint received 2015-05-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (TX)

I was recently notified that I was denied for a HAMP loan modification. I was denied by ocwen XXXX per FHA guidelines. Per the Treasury guidelines for HAMP I have the right to have an explanation of what factors used to make the decision and I hereby request the values used in making the calculations along with the date the process was completed within 30 days of the notice of denial. and dates, per that same guideline. In addition I would like a line by line explanation of what gross income was used, what expense figures were used as well as where the value you obtained came from, because you stated you reviewed for all workout assistance and I received a denial way before thirty days. It seems to me you rushed your decision because not once did you reach out to me for copies of rental income and lease. The renters in my home are not seasonal they are very consistent in paying rent and have never missed. I can not you sleep at night, after this denial, my husband was diagnosed with XXXX and he is now XXXX. After working for 18 years at XXXX he was fired. I had to care for him during his year of XXXX. We were denied due to renters are seasonal. I would like to be able to show you that my renters are not seasonal. I would like to fax bank statements of rental income and a current lease. Unbelievable we showed you my husband XXXX award letter for the time he started getting his XXXX check after a year and half. Ocwen make FHA sound like so sorry for your bad luck. But after all of we do n't care. I believe this underwriter did not follow the occs guideline, please research this for me. I can be reached at XXXX.
Consumer complaint received 2015-05-19
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't get flexible payment options
Company: Navient Solutions, LLC. (TX)

XXXX University, XXXX NY XXXX XXXX, XXXX, XXXX have been repaying my student loans for 10years. Between my federal and private loan payments the payments have been in excess of XXXX, ( private being XXXX ). Recently, I extended the terms of my private loans to lower the payments ( now XXXX in addition to {$280.00} federal payment ). I also took a significant pay cut and am living on my credit cards in order to pay for this and my healthcare plan. I have diligently paid the entire principal + {$20000.00} and they want an additional {$50000.00}. That is 170 % return on the borrowed funds. I do not understand why this is fair or unregulated. A mortgage with these terms would not happen unless I had the worst credit, and I have well above XXXX credit score. It is unsecured debt and I have done my duty. I do not think that NavientXXXX should be able to continue to hold this account in debt. I offered a settlement that was VERY REASONABLE ( 40 % of remaining balance ) and they declined the offer because my account is in good standing. They told me they will only consider settling my account if I stop paying, ruin my credit, become deliquent client for an extended length of time. Of course this makes even less sense to me. Please help me to get a fair settlement attained for this debt.
Consumer complaint received 2015-05-19
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Selene Finance LP (GA)

I had a mortgage counselor to send Selene Finance a modification package about four months ago. When I contacted an attorney with XXXX to see if she could assist me with getting a QWR from Selene Finance stating why I was charged advertisement fees, title fees and other fees. When the attorney reached out to Selene regarding the QWR, they responded with a denial of my request for a modification. In the denial letter it states that I do not qualify for the mortgage program requirements which I know is not true. I do qualify and I do make enough money to afford my house. Selene took an extremely long time to respond to my modification request. They do not have rightful reasons to deny me and I feel they only did so to avoid giving me the QWR. I want to get my modification that I have been trying to get for almost three years now. From being transferred from XXXX XXXX XXXX XXXX to XXXX XXXX XXXX and now to Selene Finance. I have been jumping whatever hoops my mortgage company tells me to but then they still deny me a modification.