davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued w/o proper notification of suit
Company: HSBC NORTH AMERICA HOLDINGS INC. (FL)

I was a XXXX many years ago. I applied for a corporate credit card. I was told over the phone ; while completing the application that the company would have to use its tax ID to apply for credit. Since it 's a corporation I can not be a personal guarantor. The organization went down under and was not able to pay its bill. The business was dissolved and has since been defunct for about 10 years. Since 2011 I 've notice that XXXX judgment was placed against me totaling XXXX. I have no idea why this company is going after me, knowing it is the company that is responsible for the debt and not me. Last year my mother got a letter from a law firm requesting for me to be present. I went and was asked questions without legal representation. I was afraid of what the attorney was asking so I inform the attorney I have legal representation and would not answer any questions. I move a lot because of my mother inability to pay her rent so I usually do n't get follow up mail. HSBC is the company that issued me the credit card for the organization. Their collection agency has went to court in New York and put a judgment against me. I was never served or was informed about anything. Not once I was given the opportunity to give my side.
Consumer complaint received 2015-03-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was approved for a trial modification with Select Portfolio Servicing under the Tier XXXX modification program and was told this would be based off a 2 % rate for first 5 years and it would step up to the XXXX XXXX rate after that. When I received the final modification documentation I was offered a 5 % interest rate instead with a large balloon payment as a deferred balance. In the most recent verion of the XXXX handbook under XXXX XXXX it clearly states that in order to acheive the 31 % of the monthly gross income as a monthly payment, the lender is to first reduce the interest rate down to 2 %. 

" XXXX Step XXXX -- Interest Rate Reduction In the second step, the servicer reduces the starting interest rate in increments of XXXX percent to get as close as possible to the target monthly mortgage payment ratio. The interest rate floor is XXXX percent. If a borrower has an ARM or interest-only mortgage, the existing interest rate will convert to a fixed interest rate, fully amortizing loan. 
If the loan is a fixed rate mortgage or an adjustable-rate mortgage, the starting interest rate is the current interest rate. If the loan is a Reset ARM, the starting interest rate is the Reset Interest Rate if it is within 120 days of reset. 
If the current mortgage rate ( or the ARM reset rate, if applicable ) is not at a XXXX percentage point increment, servicers should not round the interest rate first. Begin with the un-rounded rate and reduce it in XXXX percentage-point increments until the target monthly mortgage payment ratio is achieved. Upon reaching the point where a further XXXX percentage-point increment will reduce the rate below XXXX percent, set the rate to exactly XXXX percent with no term extension and determine if the target monthly mortgage payment ratio is achieved. If it is not, move to the next step of the waterfall ( term extension ). The interest rate must be fully reduced to XXXX percent prior to any term extension. 
For example, test for the target monthly mortgage payment ratio at XXXX percent ; if it is not achieved, reduce the rate to XXXX percent and test again ; if it is not achieved, reduce the rate to XXXX percent and test again ; if it is not achieved, fix the rate at XXXX percent and move to the term extension step of the waterfall. 
If the resulting rate is below the Interest Rate Cap ( as defined in XXXX XXXX ), this reduced rate will be in effect for the first five years. This is followed by annual increases of XXXX percent per year ( or such lesser amount as may be needed ) until the interest rate reaches the Interest Rate Cap, at which time the rate will be fixed for the remaining loan term. 
If the resulting rate exceeds the Interest Rate Cap, then that rate is the permanent rate. '' It is clearly defined that the rate is to be reduced down to 2 % before moving on to any type of deferral of principal or any other steps in the waterfall process. PLEASE HELP!!!
Consumer complaint received 2024-10-07
Product: Checking or savings account — Checking account
Issue: Managing an account — Problem accessing account
Company: RANDOLPH-BROOKS FEDERAL CREDIT UNION (TX)

I am a XXXX XXXX veteran. I am an unemployed, XXXX XXXX Veteran receiving Veterans benefits for XXXX ( i.e., but not limited to XXXX XXXX XXXX XXXX ) and Federal Retirement compensatory benefits. I do not own household items worth {$30000.00} or over. I have one vehicle, and my son has one vehicle. I only own one home, which I owe to a mortgage company. 

I formally submit this complaint against Randolph Brooks Federal Credit Union ( a Texas Credit Union ), which can be contacted at XXXX XXXX XXXX, XXXX XXXX, TX XXXX, or Randolph Brooks FCU Collections Support Department XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 

I had contracted XXXX on a previous date and became ill, and much confusion transpired, affecting my memory. I could not repay my bills due to my memory and illness. Within a very short period, I contacted RBCU about being locked out of my online bill pay account and could not pay them. I had no banks in my location. 

The bank stated I WAS LOCK OUT BECAUSE I WAS PAST DUE. They charged me additional money to reinstate my current. It happened again. I had pseudo conversations with them to allow me to regain my access. Since I am XXXX, I advised them to send me all the recordings of our discussions and payment history to validate their claims. They did neither and eventually locked me out of my account several times. They closed my account multiple times without notice, causing me excessive fees. They reported be to credit agencies, and provided them false and misleading letters leading that I intentional became past due, when they breeched their service to me, and shut down my online banking crippling my ability to pay as they are no banks in my location. 

Accounts are ( XXXX ) Randolph Brooks Federal Credit Union Credit Card Debt ( last for Acct # XXXX ), Amount Owed : {$4800.00}, Origination Date : XX/XX/XXXX. ( XXXX ) Randolph Brooks Federal Credit Union Unsecured Loan ( last for Acct # XXXX ), Amount Owed : {$4200.00}, Origination Date : XX/XX/XXXX. 

This bank has numerous complaints by other account holders that go back to the time of my unfair treatment ; XXXX XXXX XXXX XXXX
Consumer complaint received 2015-06-19
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (MA)

XXXX XXXX approached her mortgage servicer, PNC, in regards to a short sale on XXXX XXXX. Although XXXX is XXXX years old and does not live in the subject property any longer ( now lives with her son ), PNC forced her to go through a review for a loan modification. A borrower who does not live in the property and does not have rental income is typically not forced to go through the loan modification review. Our first offer on the property was dated XXXX XXXX, 2015 in the amount of XXXX. Once it was determined that XXXX clearly did not qualify for the loan modification, PNC agreed to review her for short sale as she originally requested. 

Months went by and we finally got to the point where an appraisal was completed for our short sale review. The appraisal from PNC came in at XXXX. Once we were advised of the appraised value, we immediately countered the buyer at full value. They would not reduce their offer ; however, we had multiple back-up offers in place. We advised PNC immediately that we had many other interested buyers who were willing to pay the amount that PNC was looking for. PNC, instead of working with us to review the other offers on the property, closed the file and advised me that I had 15 days to submit a new offer. This message came from XXXX XXXX on XX/XX/XXXX. On XX/XX/XXXX, I faxed and emailed a new, higher offer from one of our back-ups to PNC. This offer is for XXXX which is above appraised value. Upon speaking with XXXX XXXX again at PNC, she informed me that as of XX/XX/XXXX, we would need to wait 14 days before the file was assigned to someone else to begin review. Another email from her to myself stated that the " file will start at beginning all over again. '' Clearly, that message was contradicting and utterly confusing based off of prior conversations we have had. It does not make sense that PNC would wait 14 days then start the process from the beginning. We have an offer that is above PNC 's appraised value, a seller who quite clearly qualifies for a short sale and now we are going to be faced with extreme delays. There is no way that this buyer is going to wait x amount of months for PNC to pull their act together and review his offer. By the time they re-open the file, their appraisal will expire! Their review is inefficient, lazy and not a single person that I speak to at PNC will take any accountability and work to find a solution. 

PNC is clearly forgetting that the short sale is in their best interest as well. A foreclosure certainly is n't. We are lucky to see an offer as high as we have and PNC 's games are unprofessional and do not do their borrower any service.
Consumer complaint received 2024-10-05
Product: Checking or savings account — Checking account
Issue: Opening an account — Unable to open an account
Company: PENTAGON FEDERAL CREDIT UNION (CA)

On or about XX/XX/year>, I attempted to open a savings account with Pen Fed Credit Union, after depositing funds from my savings account for the account opening process, my account was then frozen. Pen Fed requested me to provide a copy of my State DL/ID, SSN, and recent utility bill in order to verify my identity. I provided all of the requested information through their secure portal as instructed on multiple occasions, and after following up I was advised that my information couldn't be verified which was quite disturbing to me to say the least. After demanding to speak to someone in the department/person stating my identity wasn't verifiable, as told that isn't possible as they dont take phone calls, emails, or mail from consumers, yet can essentially indirectly state that the State of XXXX  issued me a fake ID, and my SSN wasn't issued by the SSA, which is absurd. I even offered to submit a SSA-89 form for them to request information regarding my SSN from the SSA to which they declined. I feel that many consumer protection laws were violated during this process. Not only did they freeze my account, but they never returned my initial deposit back to the account they withdrew it from, basically robbing me. Their representative were condescending in tone, and treated me poorly due to their assumption regarding my identity, and refused to provide any information for reasons today I still am unaware. I feel I should have sued them but didn't not have the financial means to do so, or even know where to start for that matter, even thought they were in clear violation for numerous federal and state laws in place to protect consumers.
Consumer complaint received 2024-10-05
Product: Payday loan, title loan, personal loan, or advance loan — Installment loan
Issue: Problem with the payoff process at the end of the loan — 
Company: SYNCHRONY FINANCIAL (FL)

Subject : Paid Off Notice for Synchrony Bank Installment Account No. XXXX XXXX XXXX XXXX Dear Consumer Financial Protection Bureau, I am writing to formally notify you about an issue with my installment account ( Account No. XXXX XXXX XXXX XXXX XXXX with Synchrony Bank, which I paid in full one week ago for the amount of {$15000.00}. Despite this payment, Synchrony Bank has not updated my file to reflect the full payment and appears to be attempting to collect an additional {$15000.00}, which has already been paid in full. 

The {$15000.00} was paid from my trust, with XXXX XXXX acting as the agent. Synchrony Bank has permission from XXXX XXXX XXXX to handle the account, and I am concerned that they may attempt to double-charge me, which would negatively impact my credit. 

To clarify, I, XXXX XXXX XXXX, have fully paid off the loan as of XX/XX/year>, at XXXXXXXX XXXX. Synchrony Bank and XXXX XXXX are aware of this. Any attempt to charge additional interest or fees will not be honored, as the loan has been satisfied in full. Should they pursue any legal action against me, I will counter-sue for any made-up charges and damages caused by this needless stress and financial strain. 

I am submitting this notice in good faith and request that Synchrony Bank promptly updates my account to show that the loan of {$15000.00} has been paid in full. Any failure to do so will be met with legal action to seek compensation for pain and suffering caused by their mishandling of this matter. 

If you need any further information, please feel free to contact me directly
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (MA)

In XXXX XXXXXXXX, as student loan payments were to resume, I created an account with EdFinancial - my newly designated student loan servicer. I enrolled in AutoPay through the EdFinancial login providing my checking account information. In my checking account, I see withdrawals for the designated amount in XXXX, XXXX, and XXXX of XXXX. However, logging into my EdFinancial account I do not see these payments being attributed to my loan account. On XX/XX/XXXX I contacted EdFinancial customer support via chat to hopefully resolve this issue. After confirming my identifying information and identifying the issue, the agent 's response was to submit a request to have this issue researched. The agent also requested I submit proof of the transactions in the " Inbox '' of my EdFinancial account. The agent was unable to provide a reference or ID number for this request. The agent was unable to provide a copy of the chat transcript or reference/ID number. The agent was unable to provide identifying name or title for an escalation point. The agent did confirm that delinquency would be reported to the major credit bureaus when the account became 90 days delinquent, and that the account was 16 days from the 90 day point. 

In questioning how my XX/XX/XXXX loan payment should be handled, the agent suggested I enroll in XXXX for a XXXX rate reduction ( I am already enrolled ). This makes me question if the rate being charged to my loan reflects the rate of being enrolled. 

I am beyond frustrated. If I wasn't paying, they would be bothering me to no end to get their money. They have my money and it is all fine and dandy to just not credit the account, not apply the correct interest rate, and not accurately report to the credit bureaus. This should NOT be acceptable and there should be recourse.
Consumer complaint received 2024-01-08
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Trouble with how payments are being handled
Company: EdFinancial Services (CO)

I am writing to file a formal complaint against EdFinancial, the servicer of my student loans, regarding an issue with the terms of the Student Aid and Fiscal Responsibility Act ( SAVE ) plan, under which my loans are currently enrolled. 

According to the terms of the SAVE plan, enrolled loans are supposed to benefit from a low monthly payment, and importantly, interest does not accrue during the repayment period. However, despite these clear terms, my loan statements from EdFinancial continue to show interest accruing each month. This is in direct violation of the XXXX plan 's stipulations and is impacting my financial situation unfairly. 

I have attempted to resolve this issue directly with EdFinancial but have not received a satisfactory response. Therefore, I am seeking the assistance of the Consumer Financial Protection Bureau in this matter. I was told on XX/XX/XXXX that interest would be waived 'periodically ' but they could not provide any exact time frame. On XX/XX/XXXX, I was told that interest would be waived when my loans are forgiven in 20-25 years- which is not correct based on the SAVE plan. I have been enrolled in the SAVE plan since before payments and interest resumed. 

Please find attached copies of my loan statements and any relevant correspondence with the loan servicer. I would appreciate your prompt attention to this matter and any assistance you can provide in rectifying this situation. 

The screenshots from my conversation on XX/XX/XXXX are labeled 1:3 1 and 1:3 2 and the conversation on XX/XX/XXXX is labeled 1:8 1, 1:8 2, 1:8 3. 

Thank you for your time and consideration. 

Sincerely, XXXX XXXX
Consumer complaint received 2015-08-06
Product: Debt collection — I do not know
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Citi Management Group, LLC (MD)

Both my family and I had been receiving threatening phone calls and voicemail to provide my information so that they may contact me about a debt i supposedly owed. After calling them back the man proceeded to tell me i was being sued by XXXX XXXX for a debt i owed them and the only way to differ that was by making a payment. At the time i agreed and made a payment of {$110.00} and set up an arrangement for monthly payments. This month ( XXXX ) the day before they were due to withdraw the money my XXXX year old son got ill and had XXXX. I had to take him to the doctor and as a result had a list of medication i needed to purchase for him. I call the company right after his doctors appointment and they said the payment had already been submitted and there was nothing they could do. Today the payment was declined and a woman called me back in a rage. Asking if I was on probation because they would be suing me and pressing charges and the police were going to show up at my job and arrest me, unless somehow i cam up with {$60.00}. At that moment it made me think. I did some research and I found quite a few people had been through the same thing and that it was a scam. I proceeded to call XXXX XXXX ( the company they said i owed money to ) and was told that they do not use a collection agency by that name nor do i have an active account with them. I immediately called my bank and had them cancel my card and block them from making any other withdraws from my account. The woman from the " collection agency '' called me again to see if I was going to make the {$60.00} payment and i told her i knew it was fraud to never call me again because im filing a claim with the FBI. She again go infuriated and started using fowl language so i hung up and have n't heard back from her since. The telephone numbers they have contacted me from or have had me use to contact them are XXXX and ( XXXX ) XXXX. I was told the company name is Citi Management.
Consumer complaint received 2015-10-15
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Credence Resource Management, LLC (FL)

Credence Resource Management LLC ( XXXX ) continues to call our home on a regular basis. They have phoned here on XX/XX/XXXX, XX/XX/XXXX, XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/2015. They are searching for a XXXX XXXX according to the last caller. I have explained we do not know a XXXX XXXX, No XXXX XXXX resides here and never has and this is a newly issued phone number by XXXX XXXX which has been in our name for only 4 months. I have explained that we are on the National and Florida DNC registry and have requested they stop calling us and to remove us from their call, skip tracing, debt collection list. Regardless of what we say to them, they continue to call and persistently harass us daily at all hours of the day and night. The debt they are attempting to collect is not ours, never has been nor do we have any association with this company or the individual they are searching for. This is nothing short of pure harassment and they have continually bothered and pestered us with this issue.
Consumer complaint received 2015-05-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Comerica (OH)

I called and requested that my paper statements be stopped in XX/XX/XXXX. I was closing my account so no longer needed them. I have been getting them still to this day XX/XX/XXXX and am still being charged for them. The company person ive been dealing with is XXXX XXXX. He refuses to put the right amount back on my account. I have statements proving my correct amount owed to me from XX/XX/XXXX to XX/XX/XXXX. He states they cant figure out how to stop the statements they are working on it but here we are 7 months later and still being charged for these and on a closed account. He also refused to give me any different contacts or phone numbers to someone higher then him.
Consumer complaint received 2015-08-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (TX)

Loancare sold my mortgage loan from there company to XXXX. While my service with Loancare, I made several additional payments to my principal to get my interest lower on my monthly mortgage payment. After several payments, it reduced my interest on my first principal payments by XXXX..increasing my principal by {$29.00}. When my loan was transferred, Loancare transferred the loan as if I never made any additional payments towards my principal. They even changed the first mortgage payment of my loan as a payment calculated off no additional payments. I have record of an official statement they sent before they reversed everything. They later transferred another lump sum of all additional payments I made. The lump sum was sent to the new mortagage lender stating I made the payments later.
Consumer complaint received 2015-10-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: TCF NATIONAL BANK (MN)

We went to the TCF branch in XXXX MN. XX/XX/XXXX 2015. We wanted a fixed rate mortgage, so TCF set us up. We went through all of paper work and the time..and at the very last minute they told us we did n't qualify for the fixed rate but they could set us up with a variable rate mortgage. So because TCF 's appraisers lack of timeliness and TCF 's lack of follow through with the appraiser had already posponed our closing date from XXXX XXXX, 2015 to XXXX XXXX, 2015. We took the variable rate so we could close on the property. We handed off the variable rate mortgage to XXXX. XXXX and with the same information that TCF had, and was able to secure the fixed rate mortgage that we wanted. With XXXX institutions using XXXX XXXX. We submitted XXXX letters of complaint to TCF and as of this date there has been no response to either. We did request that because of the sub standard customer service we received from TCF we did n't expect to pay any costs to them including appraisal fees. They acknowledged the request but when we requested an transfer of appraisal to XXXX. XXXX the cost to us was {$250.00}. It was the worst customer service the we have ever experienced anywhere. We really felt like TCF did a bait and switch with us.