davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-18
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (OH)

I had my mortgage through XXXX XXXX XXXX and was sold to Specialized Loan company. I have been unemployed since XXXX and have been going through the XXXX process since then. I have explained this to this company on multiple occassions. I was in a government program to help with my payments in hopes that my XXXX claim would be approved and I could maintain my payments on my own. After the program ended I filed for 2 modifications to help me keep my home. The first one was denied due to the fact they increased my payment to see if I could pay the new amount before the final modification was approved. The second was denied because my income was lowered and they said there was not a program I qualified for and that if I did n't make my account current they would start foreclosure proceedings. In XXXX XXXX I borrowed from everyone I could and came up with over {$4000.00} to save my home. I made the payment through my bank to them which was sent back. I called and questioned them and they said that since I was behind they could not do an automatic payment and said I had to do XXXX XXXX or a check over the phone for which they wanted to charge a fee. After I threw a fit they waived the fee. I then applied for a forebarence so that I could have some time to get a little breather to come up with money to stay current. I just found out today that they mailed the decison on XXXX/XXXX/XXXX and that they denied me because I did n't have a qualifying hardship. I do n't understand what that even means. I asked to talk to someone else that could explain to me why it was denied and was told that there was no one I could talk to and that the decison was final. But in the next breath the rep tells me that I could re-apply again if I chose to do so. What is the point? What is the point of degrading yourself to ask for help and they are not trying to help you keep your home? I absolutely can not stand this company. I do n't even know what else to do at this point.
Consumer complaint received 2015-11-10
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: Messerli & Kramer P.A. (MN)

I am in chapter XXXX bankruptcy in MN - bky XXXX. The office of Messerli & Kramer and XXXX XXXX received a judgement in their favor and are now attempting to garnish my wages, which is n't allowed under the automatic stay rules of chapter XXXX. The case is XXXX
Consumer complaint received 2016-03-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NJ)

Because of the retrieval constraints for my credit report, and then unauthorized " Security Freeze placed on my report by TransUnion, I am again electing to place this dispute through this channel - to eliminate the XXXX steps Trans Union, has placed in my path. 

XXXX, XXXX XXXX has been CLOSED since about XX/XX/2015. The account is not reporting as closed - rather it is simply flagged as PAID. 

Please update the DISPOSITION to Reflect its PAID and CLOSED state Please verify the Last Payment Date and the CLOSED Date Please ensure the PAY HISTORY is ACCURATE, Complete and not in conflict with the account OPEN DATE and the CLOSURE DATE OR, if it is not possible to verify - document and share the same, and please DELETE THE TRADE LINE
Consumer complaint received 2015-07-15
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

Bank of America closed my accounts without reason or explanation I 've been a customer in good standing since 1990 and am willing to give any information that will help to get to the root of this unfortunate error. I treat my relationship with the bank with great respect and also am a XXXX for many branches in XXXX XXXX. This situation is very important for me to resolve.. Thank you, a XXXX XXXX
Consumer complaint received 2016-01-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (CA)

It started at XXXX Putting an application in for the principal reduction program. They transferred my account to SLS .I had Hud and KYHC trying to help but I had 3 years of taxes to file before they could complete the app.I could not do that in time so they had to close the case. I searched and found American Foreclosure Prevention ( AFP ) .First we did my tax returns, then completed the app to submit to SLS. I was approved for the HAMP TIER 2 Program.. Then I had to make 3 trial payments of {$2000.00} on time starting with XXXX/XXXX/XXXX XXXX/XXXX/XXXX and XXXX/XXXX/XXXX before SLS would send permanent documents to sign. I kept in close contact by calling 2 times a week for status updates. my single point of contact kept telling me its still in underwriting but it should be by the end of the weekEven on the day before I was denied he said I should have the documents to complete this approved loan. Before XX/XX/XXXX I get an email from SLS stating I was denied.I replied instantly with a letter denying what they said I did.They blamed me for withdrawing my application.I was on fire! That was their only excuse for the denial listed.Then I called them and XXXX, my contact, was not available so i was hooked up with agent XXXX who told me it had to be a mistake, put me on hold.She came back trying to explain that there was a mistake by the underwriters for approving the loan. I was furious because I thought I had already proved I could make the payments and had secured a fixed at 3.625 % loan with a principal reduction set to the current market value of {$380000.00}, their written appraised amount. So, I had my 3rd party XXXX XXXX from XXXX get back in this mixed up loan denial of approved loan extended mistaken discussion. All SLS did was made several delayed pass the buck around to put me closer to the deadline of a foreclosure sale date. They only gave XXXX choice. Start over by reapplying and updating the documents puting in a new intention form to keep my house and so on. I thought that was not going to help. They already have proven to me what they are capable of doing by putting me as the blame. I did not withdraw my application and should not have to start over. XXXX insisted I start faxing him updated bank statements and all the documents that are required. Meanwhile I start receiving letters from SLS that include me already applied but are missing documents. Another notice saying they received the other needed docs and evaluated me for several loan that were all denied. Again I am told I applied the XXXX time and getting denied for the HAMP loans but approved for Their StandardTrial to Modification loan. That has terms of a step XXXX arm which basically is mostly @ {$2700.00} with a balloon in XX/XX/XXXX of {$250000.00} ... Also the unpaid principal jumps to {$730000.00} from {$570000.00}. Does this sound more affordable? SLS wants my decision by XXXX/XXXX/XXXX
Consumer complaint received 2015-12-25
Product: Debt collection — Medical
Issue: False statements or representation — Attempted to collect wrong amount
Company: CMRE Financial Services, Inc. (CA)

When I went to XXXX they told me I would not be charge anything else for my procedures they charge my insurance more than XXXX dollars and then I got this bill for the XXXX the I kept calling the office of the XXXX please for more than 2to 3 years every time I would get a bill and the women I charge of the billing would always tell me do n't worry Isabel it 's all handle we will take care of it i have gone back to that office this year and they told me that the women does not work there any more so I called the person in charge for the XXXX and she was the meanest and rudest women ever she told me that she did not care if what I had to say and that it was my problem to just pay the bill so I went back to brand sergical and told them of what had happen and they told me that yes she was bad and mean and difficult to deal with but that if I would get anything else done with them they would lay this off for me I have been trying to fix this for a long time please help me thank you
Consumer complaint received 2015-12-21
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Management Corporation (SC)

They called me and left a voicemail saying I should call them back for personal reasons that they did not disclose. They never said who they were or what they do. When I called they refused to disclose any information before I could verify my full name, address, social, and date of birth. They said they did n't have a physical address to give me when I asked for it. 

To me this sounds like someone who makes a living out of identity fraud.
Consumer complaint received 2016-02-12
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: SYNCHRONY FINANCIAL (FL)

I have made XXXX payments on this account and they have only posted 1 to my account. i have sent them bank statements showing payments coming from account and they still continue to harrass me for payment and say i am 3 months behind. I am 3 months AHEAD but they post to wrong customer & I get harrassed and threatened with collections. Their CSR response and assistance is horrble. They do not follow up, do not acknowledge bank statements faxed to them and do n't work on resolution.
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

I had my loan with Citimortgage for many years and never missed a payment of was late. We have a XXXX XXXX loan 30 year fixed 5 % and when the rates went down I applied through Citimortgage for a refi. We were told no income varification or appraisal would be required and it was to have no fees charged. It would have saved us quite alot of money in monthly payments and over the life of the loan. As the refi was being processed Citimortgage sold our mortgage to XXXX now XXXX and which I learned only as the Citmortgage refi broker was looking at our account and watched it disappear off the screen. He filed a complaint with his supervisor that we were in the middle of the refi process and his complaint was denied. Now we are with XXXX, have not had the opportunity to refi as they say they can not honor the Citimortgage deal, and the services is atrocious. We do not want to do business with them and have had no choice. How is this possible that the consumer can not chose who they do business with on the most major purchase of their entire life, the mortgage of their home!!??? Outrageous.
Consumer complaint received 2015-06-01
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: HYUNDAI CAPITAL AMERICA (FL)

I Have always paid my Hyundai Motor Finance payment as agreed. Due to a combination of bank errors, Hyundai Motor Finance not updating my account info as requested and failing to have a system in place to collect payments after items were incorrectly returned NSF due to bank error, Hyundai Motor Finance is now falsely reporting my account as past due from XX/XX/2013-XX/XX/2013. On XXXX XXXX, 2013 I paid my account with good and collected funds in my bank account but my bank mistakenly returned the payment NSF ( as evidenced by the attachment ). I was n't made aware of that at any time by XXXX until XXXX of 2013, at which time I immediately paid the amount owed in full. There was also a bank error in the summer of 2013 when a wire that was sent to my account was returned due to an extra number being added to the account number. It happened on the exact day I made a payment to XXXX ( as evidenced by the attachment ). Again, I was n't made aware of this at any time by XXXX until XXXX of 2013 as XXXX had failed to update my contact info. I have written to XXXX on more than XXXX occasion. ( sent certified mail yet they claim they did n't receive ) asking them to correct my info on my credit report. XXXX has refused to correct my account info and has given me incorrect and false information regarding my account. Other than this approximate 6 month stretch when the bank returned a check I had sufficient funds on, I have had no late payments of any kind in the past 6 years. XXXX is also profiting from a flaw in their system by charging me late fees on payments that could n't be accepted by them after my boyfriend discovered the banking error XX/XX/2013 while I was in XXXX and he tried to make payments over the phone. Their system would n't allow the customer service representative to over ride the system because of the past NSF 's. Although XXXX 's customer service representative had indicated to him that he DID over ride the system and that the payment had been made when in fact it did n't. This exasperated the problem and has caused my credit report to show additional late payments to XXXX. XXXX profited financially by charging me late fees they did n't deserve.
Consumer complaint received 2016-02-16
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CITIBANK, N.A. (OH)

I ordered XXXX dresses from Macy 's and charged the purchase on my Citibank credit card. I returned all XXXX of them in XXXX package. Macy 's says that the package contained only XXXX dresses and would not give me credit for the XXXX. I have spent hours and hours on the phone with Macy 's and Citibank but to no avail. My attorney sent a certified letter to Macy 's XXXX/XXXX/15 asking that they not contact me, credit my account in full and remove any negative credit rating reports they may have made. Macy 's continues to call me and send me monthly statements with added fees.
Consumer complaint received 2016-02-12
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MI)

We were denied a loan modification from Bank of America after a game of deceit on their part. They were given all the information that was requested yet they kept saying you did n't send in page XXXX or you forgot to send your income statement. All items that had been sent over and over again. Then they said you were denied because you did n't get the paper work in to us on time so you do n't qualify. Their is so much to this case as it has gone on for years now but they just scam the people not just us. They have broken the law on several levels and should be held accountable.
Consumer complaint received 2015-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (IL)

I received a letter from Ocwen that I can cancel my escrow account because mortgage reached beelow 65 %. Ocwen is claiming to increase my escrow payments, even thought my taxes have been reduced. I submitted a request to cancel my escrow. I received a letter stating that my request was denied. 
My loan is not in default with the exceptions of fees that I am fighting with Ocwen ( see complaint XXXX ).
Consumer complaint received 2015-12-26
Product: Debt collection — Non-federal student loan
Issue: False statements or representation — Attempted to collect wrong amount
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (CA)

XXXX hired Financial Asset Management Systems to collect on student loans. Financial Asset Management Systems is alleging that I have only paid {$1000.00} in total for the last 13 payments that I have made on my account. This is false. Financial Asset Management Systems is flagrantly violating the Fair Debt Collections Practices Act by not accounting all my payments properly. Financial Asset Management Systems is asking me to provide proof of payment when they should be the ones that should be correctly totaling my accounts. Each monthly payment on my account has been for at least {$250.00}, however Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00}, which is patently false. XXXX and Financial Asset Management Systems are engaging in deceptive debt collection practices. Under CFPB complaint number XXXX, Financial Asset Management Systems is incorrectly claiming that I have only paid {$1000.00} on my account. Financial Asset Management Systems is engaging in deceptive debt collections practices because I have paid way more than that amount of my account and it shouldnt be up to me to proprerly credit my account, it should be up to the debt collector. Financial Asset Management Systems is misrepresenting the payments I have made on my account and not properly accounting all the payments that I have made.
Consumer complaint received 2015-12-21
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (NC)

I have the credit bureaus to remove the citizens bank students loan off of my credit report and they refused I stated to them that I do not owe any money 's to citizens bank for a student loan which.have been verified by XXXX that I do not owe them any Money and they still have it on my credit report as well as money they alleging say I received from the bank on account I do not have
Consumer complaint received 2015-07-17
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (NV)

Today I was at work when I was interrupted by my Supervisor around XXXX and was notified that Security needed to see me. My supervisor escorted me to Security and I was handed some paperwork. The man appeared to have a badge on his blue shirt that read " Constable ''. I was told by the man who had the badge that I was being served for a credit card but that it was n't a big deal and that I had 20 days to respond. He was explaining to me that I was being sued for a credit card but he did n't ask me to sign anything and I did n't end up sign anything at all which I thought was odd. After taking a look at my credit report, I noticed that this debt was from XXXX and the last time I had made a payment was XXXX. According to Nevada law I know that they only have 4 years to sue me which would have been XXXX and I know that they can not come to my place of employment. They have violated my consumer rights by trying to sue me now in XXXX and coming to my place of employment. I am also not sure if the person was really a law enforcement official or not I 'm still trying to figure that out.
Consumer complaint received 2015-11-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Bureau Services Association (TX)

On XXXX XXXX 2010, I gave XXXX XXXX a 30 day notice to vacte the property. I was cleared from the property with no fees for damages or repairs. I had lived there for 3yrs, it was considered normal wear a tear. According to Texas law you have 30 days to charge a tentant for damages. After I moved out the owner changed property managers to XXXX XXXX XXXX. At some point and time the owner and XXXX XXXX did another inspection in XXXX. And is trying to charge me for the repairs they made. It was way passed the 30 days to charge. The collection was done by XXXX XXXX not XXXX XXXX, the property manager that cleared me from the residence. So how can 2 months go by and they decide to charge me. I beleive the residence was vacant until that time. The repairs are petty in my opion. I do n't understand how can there be so much damage. I was XXXX for XXXX months out of the 3yrs I was renting the residence and I lived alone.
Consumer complaint received 2015-11-06
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: HW Holding, Inc (TX)

On around year XX/XX/XXXX l rented a apartment in XXXXCalifornia and l was the only applicant and Renter.at XXXX apartment. 
I stayed for six months or less.There was no lease only month to month. 
I always payed my rent on timely matters and kepted my apartment cleaned and l did n't have no pets. 
I payed my deposit of around {$1000.00} in which l did n't received when l moved out of the apartment. 
I file Retaliation and Discrimination complaints with. Federal. Trade Commission and XXXX apartments and Hunter Warfield collections stopped harrassing and collection calls. 
Now XXXX Hunter Warfield collections are harrassing me in collections and sending me to collections and ruined my credit XXXX 
This collection companies and XXXX apartment are trying to collect {$990.00}. 
Also the charge of {$990.00} is for them in cleaning the apartment in which l hired a housekeeper to clean the apartment and apartment was left very cleaned and there was no pictures hinged on the walls.
Consumer complaint received 2015-07-15
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (MN)

XX/XX/XXXX, in a good-faith effort to repay a private loan at XXXX XXXX, I scheduled XXXX individual payments of the minimum ( {$87.00} ) to coincide with my pay-days so I knew I would be able to cover them when they came out of my bank account. Around the same time that XXXX XXXX switched private loans over to the newly-branded " Navient, '' they started reporting my loan " past-due '' to the credit bureaus. My scheduled payments were set up to pay my minimum balance through XX/XX/XXXX. 

XX/XX/XXXX, I received notice from Navient claiming that I missed XXXX payments and my loan would be defaulted upon if I did not pay {$1500.00}. I have called Navient and been bullied and abused by a supervisor their collections department. He would not offer me any forbearance or repayment programs, and insisted the only way for me to avoid default was to pay the full balance due immediately. I did not and do not have {$1500.00} to pay Navient ( or anyone else for that matter ). I explained to him that I never should have been reported delinquent in the first place because I had automatic payments set up to withdraw the minimum due on my account for XXXX months when Navient started reporting me delinquent. He continued the abuse and refused to help me. 

I called back and spoke to the agent assigned to my case ( XXXX XXXX ) and he was more helpful, listening to me when I explained that I should never have been reported delinquent in the first place. He agreed that Navient made mistakes and should not have reported me delinquent while I was in the fifteen-month program but claimed he could not rectify that himself. He offered me the option of paying {$32.00} to " roll-back '' my account to " avoid default '' or to pay {$120.00} minimum ( a " 1 % interest rate reduction '' ) on a XXXX month payment plan to bring the account back to good standing after XXXX months of on-time payments. 

Navient refuses to accept a payment from me that I can afford. I made a good-faith effort to make my payments and set up recurring monthly payments with them for fifteen months and still they reported me delinquent before that program ran out. I want to set up payments I can afford. I have {$160000.00} of student loan debt and I can not afford the minimum monthly payment of {$120.00} they offered me and they refuse to offer me anything I can afford.
Consumer complaint received 2016-01-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

Have contacted Capital One Bank about getting a letter stating the account under XXXX appearing on my XXXX report. Those not appear in there record under my name and social. they also refusing to go on XXXX way with XXXX to clear this off my report.