davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-07-08
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Keep getting calls about my loan
Company: Navient Solutions, LLC. (CT)

Navient has permission to contact me through the number I provided them on file which is a personal number XXXX XXXX XXXX XXXX. I have not and never will provide them with my business number. However ; they have started to call my place of employment without consent ( XXXX XXXX XXXX. I work in a XXXX XXXX and XXXX XXXX XXXX and need access to my phone for crisis and by them using my phone to take up message space puts the clients I serve at risk. This may also lead to defamation of character. Student Loans are a private matter as companies may not look them up without a social security number, therefore my company should not be aware of my student loan status. This is in regards to student loans from XXXX XXXX XXXX in XXXX XXXX, MA.
Consumer complaint received 2016-10-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (IL)

I am writing this email in pure frustration with Carrington Mortgage Services. Although from my previous experience it will probably do no good. 
I applied for a modification on the above referenced loan XXXX/XXXX/XXXX. I made my payment for XXXX on XXXX/XXXX/XXXX as I make my payment every month late on the last day of the month. To my dismay as of XXXX/XXXX/XXXX Carrington had not posted my payment so I called to find out why. I was told it was not posted because I had applied for a modification and they hold payments when your account is being reviewed for modification. I asked will this be reported to my credit bureau as 30 days past due and I was assured it would not. I was even asked by a representative named XXXX if I am not 30days past due why am I applying for a modification anyway. Well surprise, surprise Carrington did in fact report me as being 30 days past due for XXXX XXXX as I had feared they would. I was told to fax a copy of my credit report showing this to XXXX. I faxed this on the XXXX and XXXX of XXXX and I was told this process can take up to 30 days. 
Since I opened this loan in XXXX XXXX it has been nothing but XXXX. First I was told if I refinance with Carrington my mortgage payments would be reduced to $ XXXX/monthly. Then 3 months later they increased my payments to {$2300.00} stating they miscalculated my real estate taxes. So of course this has caused me continuous financial difficulty. Every month I struggle to pay this exorbitant mortgage payment and barely make it each month by the end of the month. Then in XXXX XXXX I made my payment through Carrington 's online payment system on Friday XXXX/XXXX/XXXX but dated it for the XXXX/XXXX/XXXX and they posted it XXXX XXXX which made my account 30 days late. I contested and begged for them to remove it but they refused. My credit is very important to me and sometime we go without a lot of things to make this mortgage payment every month. 
I enlisted the help of a realtor to attempt to sale the property but sadly it is not worth what I owe. Everytime I call Carrington Mortgage it is a terrible degrading experience. Your customer service representatives are terrible and your policies are not customer oriented. 
I absolutely hate Carrington Mortgage and everything they stand for. 
I would appreciate it greatly if Carrington would remove the 30 day late they have reported on my credit report for XXXX. 

Disgusted XXXX XXXX
Consumer complaint received 2016-10-17
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Prospect Mortgage, LLC (IN)

I obtained a loan thru XXXX XXXX of Prospect Mortgage XX/XX/XXXX. I was referred to XXXX XXXX from a loan officer at Prospect Mortgage in XXXX that I was preapproved with. The loan officer in XXXX was helping me to obtain Down payment assistance and other assistance with the government. I was referred to XXXX XXXX because I switched from XXXX to XXXX and she was supposed to be a loan officer that could help me to obtain all the assistance that the government had to help with the loan. When speaking to XXXX XXXX on the initial call she told me that she was able to offer help thru XXXX Housing and also forwarded me information to help with this. Throughout the loan process she told me multiple times that everything was in place with Indiana housing and the MCC. I was informed 2 weeks prior to closing and assured that everything was in place to get the MCC credit and my loan wa being delayed because of the process for the MCC. I called XXXX Housing to verify that what XXXX told me was true. When speaking to XXXX Housing they informed me that nothing was submittted. I informed XXXX via email. I was informed 1 week prior to closing that the MCC with XXXX Housing that I was told that was setup was not able to be obtained thru Prospect Mortgage because of the company not being approved for this. Because of this XXXX XXXX gave me XXXX options only a couple of days before closing. The first option was to pull out of the loan and not move forward with the house. The second option was to move forward with the loan without the MCC ( Mortgage Credit Certificate ). I chose the second option because Because there were multiple people involved but because I was n't informed until the end that they were n't approved to do t I lost out on a {$2000.00} credit for 30 years which totals {$60000.00}. If I had been informed by XXXX in a timely fashion that Prospect was n't approved for it, I would have went with a company that was.
Consumer complaint received 2016-10-15
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (FL)

Hello! I am a single mother struggling to make a better life and I had my score up to XXXX and higher to get a mortgage then XXXX on XXXX seperate occassions accused me of owing money which both times their company admitted fault and removed it HOWEVER my creidt score reflects as if i owed this for the almost year it was on y report and i didnt know : ( Now i a renting at high amounts and my score is XXXX!!!! HELP!! Please!! This is the problem in america we have become just like 3rd world counbtries where the rich and large companies are allowedd to hold down the common man /woman
Consumer complaint received 2017-03-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MN)

Several inquiries deleted and reinserted, customer service would not help take care of the negative inquiries reporting to my Trans Union credit report. 


XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2016-11-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

State of GA placed a tax lien of for {$650.00} with a filing date of XXXX XXXX, XXXX stemming back to XXXX tax year Lien shows as paid in XXXX XXXX, XXXX I made several payments before and after this, my payments were applied to the wrong year Reference # XXXX was listed on my credit report
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: JPMORGAN CHASE & CO. (IL)

Chase promised us outstanding customer service and XXXX loan issues as Private Clients. We went through the application process and had everything set for closing. Our loan officer was a nice guy who tried his best to help us but our closing was awful. It was a 7.5 hr closing with our final CD only issued about 2-3 hours into closing instead of 3 business days before. We ended up wiring a substantial amount of money to an escrow account prior to closing based on the verbal instructions from our loan officer. We were not provided with the final CD as required by Fed law. The sellers attorney left after a few hours for another closing. Chase XXXX up the titling on our mortgage which affected our deed. Chase had our closing date wrong which would have meant a dry close on Monday instead of Friday. The title company officially closed at XXXX. The closer stayed until XXXX to try to get the loan done. Chase 's closer and loan department stopped picking up our calls or responding to emails and voicemails. Our IL closing was handled in XXXX. We ended up having to reschedule our move, we had to hire a dog walker since we couldnt leave the title company. We ended up having to take the entire day off work instead of the 2 hours allocated for the close. Chase didnt bother to send a representative to the closing. We ended up dialing everyone we could think of at Chase. I had a Chase branch manager try to get hold of someone to help us figure out how to get the correct info submitted. We had to sign the mortgage docs without very much time to review because of the time deadline and the pressure from the title company closing. The sellers were irate. We submitted a formal complaint the Monday after closing and didnt hear back from the Customer resolutions team until today. She hadnt bothered to review the file. I submitted phone records, copies of emails and a narrative statement to our branch manager who forwarded it to the loan officer and his superior. I would be happy to share those with your department. I could not paste that here due to the character limit.
Consumer complaint received 2016-06-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (WA)

I started the application for a mortgage with Bank of America since XXXX XXXX of this year. I was promised a closing date of XXXX/XXXX/16. The date got delayed to XXXX then now XXXX. They have tactically requested repeated financial information from me to justify the delay and as of this morning ( 2 days before the third closing date ), they want me to call a third party agency to do a credit supplement check on credit cards that I have already supplied statements and written letters for. If the loan does not come through, I loose my earnest money and other costs associated with buying this house. I have filed several complaints with the bank but was ignored. My loan officer said he is sick and never called back. I can not get anyone to respond. This is just a night mare and no one should have this experience. I have all of the email history to prove their incompetence.
Consumer complaint received 2016-10-17
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

The Complaint that I have is with Bank of America over the last 5 months I have requested validation on multiple occasions for debt that is listed on my credit report. I have asked for evidence that bears my signature that shows that I have a contractual obligation with Bank Of America I have not received anything that I requested and it still listed on my credit report from all three of the Credit Reporting Agencies. They also to not show on my report the I dispute this account and this is all in volition of Fair Debt Collection Practices Act. They keep sending me a letter asking me to provide them more information. I do not have more information. I am asking them what they are reporting and why. they can not tell me.
Consumer complaint received 2016-10-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I paid XXXX XXXX ( XXXX XXXX ) the balance of the account in the amount of {$880.00} on XXXX/XXXX/16. I showed proof with the receipt and the debt is still showing on all my credit reports. I called the office and was informed that the debt would be deleted but it is still showing charged off in the amount of {$1900.00} on my credit report. The debt was paid in full. The person who took my payment name is XXXX. Receipt number XXXX.
Consumer complaint received 2016-11-14
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Specialized Loan Servicing Holdings LLC (NM)

I received a modified second mortgage from XXXX in XX/XX/XXXX for a 15 year, {$15000.00} balloon originating in XX/XX/XXXX, but was not informed that the modified second mortgage was negatively amortized, raising the balloon payment to {$55000.00}. I learned of the toxic loan from a third party when trying to restructure loans.
Consumer complaint received 2016-07-08
Product: Mortgage — Other mortgage
Issue: Settlement process and costs — 
Company: Neighborhood Housing Services of Toledo, Inc. (OH)

I have had an ongoing problem with XXXX. Below you will find the latest form of discrimination to which they have subjected me : I took out a loan from XXXX for a home improvement Loan. Their address is XXXX XXXX XXXX, XXXX Ohio XXXX, phone Number is XXXX. They assigned XXXX XXXX to be my project manager for the duration of my project. However, He decided that he did not like me personally and is therefore, refusing to provide me with any assistance. He did not even have the courtesy to notify me to that effect. It was XXXX XXXX, XXXX Director for that location that finally decided to tell me this. Only to make matters worse, he did not, and still will not provide me with any information as to how to go about completing my project, such as how to order materials and pay for them, since they hold the purse strings. 

XXXX XXXX has also instructed any and all parties he has dealt with not to provide mw with any information. For instance, he contracted XXXX XXXX XXXX , XXXX at XXXX XXXX XXXX XXXX, XXXX, OH XXXX, to do an inspection for me, and he paid them {$110.00} out of my money. But, neither he nor XXXX XXXX XXXX will give me the results of the inspection. XXXX XXXX XXXX wants another {$680.00} for the work to contain my pest problem, and yet neither party will give me any explanation. 

Given the situation that both of these parties have placed me in, I feel that the both of the should be disciplined, and my money refunded since it is not fair to charge me for something which I never received.
Consumer complaint received 2016-09-01
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

I just found out today my Bank of America XXXX XXXX credit card was closed by someone with the same name in XXXX. Why if they have been sending my statements to an address in AL they would start sending something to KY? How do a person with the same name except for middle initial close an account without providing security info? I am the primary and my husband was seconary, they said my husband closed the account, my husband was in the hospital in XXXX and still not able to use the phone. Where is the security, get this they ca n't reopen it for me or send me a copy of the letter they sent to the other guy telling him the account has been closed. It upsets me that anyone is allowed to manage your accounts.
Consumer complaint received 2017-03-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midstate Collection Solutions, Inc. (IL)

I registered, couple years ago, to take some classes at XXXX College in XXXX ( Illinois ) and I should mysellf pay my tuitions of $ XXXX.Unfortunately, I did not take those classes. 

Later, I received a bill from the college and went to dispute with the college direction. I was told that I have to pay it accordingly to their policy. I asked to see the policy there was nothing backing their reason. 
On XX/XX/2016, a mail came from a collection agency in XXXX about this matter and wrote a dispute letter in between 30 days. I did ask again the policy backing the reason I have to pay the tuition for those classes. 
About 40 days after my letter disputing the debt, I received a mail from the agency said that they are still investing on it and they 'll be soon in touch with me. 
As of today, I have n't received the results of their investigations, the agency has already sent the report to XXXX and to XXXX.
Consumer complaint received 2016-06-16
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (IL)

Experian is reporting a Department of Education school loan that the Estimated date that this item will be removed is false, and does not correlate with the date placed for collection. Per the FCRA, incorrectly reported information must be removed. I have disputed it and sent documents to prove it but they refuse to delete the account
Consumer complaint received 2016-07-08
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Stellar Recovery, Inc. (OH)

CFBP, I have never received any debt notice from this collection agency. I have paid XXXX directly in full and never authorized XXXX to share my information to any third party. The only reason I became aware of this collection being reported to the credit bureaus is because I had started monitoring my credit report. I have never received any notification of debt from Stellar Recovery. This is causing a financial hardship and needs to be deleted from all of my credit reports promptly. I will not consider this complaint closed until it is removed and I receive notification of this action.
Consumer complaint received 2016-10-16
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: Neon Newco Corporation (UT)

This is regarding Netspend which offers XXXX dollar bonus to XXXX the referrer and referee when the referee orders a new card and loads it with XXXX dollars. I have been refered by my friend and I have ordered new card and loaded that card as well with XXXX dollars and satisfied all the requirements for the XXXX dollars bonus which never got credited. I have been calling customer care representatives multiple times and every time i get an assurance that my card will be loaded with the bonus. However, it never happens. I have contacted at least 10 times to customer services of Netspend and every time they assure me that I will get the bonus by next day but it never happens. I have met all the requirements for the bonus but we have not received the bonus.
Consumer complaint received 2016-05-19
Product: Money transfers — International money transfer
Issue: Other transaction issues — 
Company: WESTERN UNION COMPANY, THE (OH)

On XXXX XXXX, 2016 I initiated a money transfer from my XXXX XXXX XXXX checking account through Western Union 's instructions using Bill Pay in the amount of {$200.00} ( {$190.00} to my receiver and {$5.00} Transaction Fee ). On XXXX XXXX, 2016 I called Western Union and was stated that the transfer was cleared for the receiver ( my cousin ) in XXXX, XXXX. I was told on XXXX XXXX through email from my cousin that Western Union has put a hold on the transaction due to my cousin 's name being similar to a sanctions list used by Western Union. I have complying with Western Union 's request on information regarding the receiver, however, Western Union has locked up the transaction and is unwilling to cancel the transaction. I have spent endless hours on the phone trying to resolve this issue, however, I keep getting channeled to different call centers and departments that span the XXXX, XXXX XXXX, and XXXX. I have requested many times to be transferred to a US based call center or receive a call from a Western Union representative but have yet to receive any call and/or phone number. I am quite frustrated and need assistance to resolve.
Consumer complaint received 2016-05-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: CITIZENS FINANCIAL GROUP, INC. (NH)

I am buying a house in XXXX, NH. The transaction is being facilitated by the attorney XXXX XXXX, XXXX who has an escrow IOLTA account at Citizens Bank with a branch convenient to his office in XXXX, NH. Paper checks payable to the IOLTA account in the amounts of {$50000.00} and $ XXXX+ from a XXXX XXXX XXXX branch in XXXX , CA , were generated on-line and physically deposited by XXXX XXXX XXXX Citizens Bank at XXXX on Friday, XXXX XXXX, 2016, with the expectation that they would clear any hold within 3 business days ( e.g. by close of business yesterday, Wednesday, XXXX XXXX, 2016 ). 

When an on-line review on XXXX XXXX revealed that the checks had not cleared, XXXX XXXX made a call to the bank to inquire when the checks would clear and was told by bank staff ( XXXX, sp? ) that the checks would not clear until XXXX XXXX. XXXX XXXX called the XXXX XXXX XXXX, CA Branch Manager and was told that the funds had been released and were not being held by XXXX XXXX, although he would look into the situation that was already beyond his control. I then called Citizens Bank ( before close-of-business on Wednesday, XXXX XXXX, 2016 ) and told XXXX to convey to the powers-that-be that I would be taking legal action if a certified check were not issued this morning ( Thursday, XXXX XXXX, 2016 ) from my funds, in the amount of $ XXXX+ payable to the seller, so that I can close on the purchase of my home. 

At about XXXX ( XXXX XXXX ), I called Citizens Bank ( because no one had called XXXX XXXX, whom I designated should be called with their response to my complaint/demand ) and requested to speak with XXXX, but was connected to Branch Manager XXXX, who informed me that she could only speak with XXXX XXXX about the particular circumstances of his account, but when pressed with the evidence that no contact had been made after my call AND she told me that she HAD told XXXX XXXX what steps to take to have the funds released ( but he had told me he had no means to get the funds released before XXXX XXXX ), it became clear to me that a complaint is necessary.
Consumer complaint received 2016-11-14
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I have been trying to modify my mortgage sine XX/XX/2016 with Select Portfolio. 
Its now XX/XX/2016 and still nothing has been done. I followed there instructions of going on to there website and checking on my status loan and the website does not work If I do NOT call them I have NO idea if they need additional information.I have cooperated by sending them any documents that are missing by uploading them because its quicker and they receive it in 24 hours. I call them faithfully every week and they tell me the same thing that every thing is fine your in review and it takes time. Yesterday I was served with foreclosure complaint for the FIRST time and its not even the intent they went right to the complaint and when you call SPS they have no idea whats going on. 
Im upset because I want to save my house and I have followed there direction followed there rules and they never wanted to help me at all. They lead me to believe that they were going to help me and they had NO intentions ever to help me.When I called SPS and questioned the foreclosure complaint they told me to call a certain number and extension and when I called it turned out it was there attorneys office that represents them. The attorney was rude and basically spoke down to me and he proceeded to say that they were n't going to HELP me and that they were ACCELERATING my foreclosure and with in a few weeks I would have a sheriff sale so I should start looking for a new home. 
Why would SPS do all that and lie to me this whole time. I trusted and believed that SPS wanted to truly help me.