davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Alabama Housing Finance Authority (NC)

A company called servi solutions contacted me via mail and claimed my loan had been transferred to them. I then received a bill from my original lender and this new lender raising my concern. I called both companies. My original lender had no record of it being sold and warned me not to send anyone else money unless I received a letter from my current company stating they transferred my loan. I called servi solutions and a woman told me dates it was bought and transferred and seemingly sounded very trustworthy. I called my dad for advice, he said it could be a scam, and looked up servi solutions on bbb and they had an F rating. I decided not to servi solutions money because it seems like a scam. I 'm worried they will start harassing me for payments and something bad could happen. The next payment is due in XXXX 2017.
Consumer complaint received 2017-11-09
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: BARCLAYS BANK DELAWARE (TN)

{$600.00} online bill payment was made from bank to creditor on XXXX/XXXX/XXXX. Online bill payment check cleared bank on XXXX/XXXX/XXXX. Numerous phone calls were made to creditor to resolve matter, which included providing specific information regarding online bill payment details, including check #, date check cleared & bank info for which cleared check was deposited by creditor. These phone calls consumed hours of my time. Provisional credit was issued by creditor on XXXX/XXXX/XXXX, leading me to think matter was resolved. Provisional credit was reversed on XXXX/XXXX/XXXX ( reapplied to account ). Print-out of online bill payment & copy of cleared check XXXX front & back ) was faxed to creditor on XXXX/XXXX/XXXX
Consumer complaint received 2016-04-29
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (CT)

My mortgage servicing was transferred to Ditech from XXXX XX/XX/XXXX. I was due a 6th year Hamp incentive in XXXX XXXX of {$5000.00} plus a reamoritzation as part of a law passed last year. I 'm getting nowhere. Ditech has never responded to my numerous requests for this incentive to be applied. I lodged a complaint with XXXX XXXX and now the servicer told them that I was 90 days late XX/XX/XXXX and the treasury denied the incentive. It 's not true. I was given the {$1000.00} all 5 years. I have records to prove I was never 90 days late since my Hamp incentive was finalized in XX/XX/XXXX.
Consumer complaint received 2017-01-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: KINGS CREDIT SERVICES (CA)

i was renting spot from a man to open a XXXX i pay him first month and a deposit i start open my place on the first month from the first day to the XXXX of the month my place was stolen five times they make me going out stock less in a month i have to move out and lost the place because i cant keep up now the landloard report me to the agency XXXX dollar dont know why kindly asking for help with this man please
Consumer complaint received 2015-03-26
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: PNC Bank N.A. (NJ)

Hello, I 'm in the process of purchasing a home in NJ and reached out to PNC Mortgage to secure financing. The seller of the property had very strict requirements for our contract ( e.g. I had to deposit a {$10000.00} non-refundable deposit ) and so we were still in the process of negotiating. Before finalizing the purchase contract, I explained the situation to XXXX XXXX at PNC Mortgage and told him my only concern from a PNC perspective is whether or not the property would appraise at the purchase price. I understand he could not tell me definitively if it would or would not appraise at the time of the mortgage application but when I explained my concerns to him, I was told " based on my experience financing units in your building, I 'm XXXX certain it will appraise. '' I explained to XXXX that I could barely afford this property and that I could not afford to pay even {$1.00} out of pocket more at closing if the property did not appraise. But, having this statement reiterated and assured to me multiple times, made me finalize the contract under the terms of the seller. Soon after the contract was finalized, the PNC appraisal came in and it was {$50000.00} less than the purchase price. I am very upset by this outcome as I felt XXXX deceived me into believing it was " XXXX certain '' that the property would appraise at the purchase price. That said, b/c of the significant difference in appraised value, I was unable to pursue the home purchase and lost my {$10000.00} deposit which I would have never agreed to if it was n't for the " XXXX certain '' statement. PNC Mortgage persuaded me into believing something that was not true and b/c it was such a significant deviation from the expected appraisal, I believe they should take accountability for this negative outcome. Again, I lost {$10000.00} and it was due to a mortgage salesman trying to sell me a mortgage.
Consumer complaint received 2023-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: Experian Information Solutions Inc. (NV)

I am writing to draw your attention to the fraudulent personal information associated with my identity. Certain accounts and transactions have been falsely attributed to me without my knowledge or consent, causing significant distress and concern. I have become a victim of identity theft and have taken immediate action by reporting the incident. It is crucial to address this matter promptly, as it has had a detrimental impact on both my financial well-being and personal reputation. I kindly request your cooperation in expeditiously removing all fraudulent information from my credit report and conducting a thorough investigation into this matter. I am fully prepared to provide any necessary evidence and, if required, take legal action to protect my rights and seek appropriate compensation. Your prompt attention to this urgent matter is sincerely appreciated.
Consumer complaint received 2016-04-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Nelnet, Inc. (LA)

After receiving a copy of my credit report in XXXX of this year, I noticed my student loans were reflecting late payments for the months of XXXX 2015 and XXXX 2015. This did n't seem right so I logged into the national student loan database where all records are held for my federally backed student loans and printed out evidence that in fact my student loans were in forbearance during these months which began XXXX XXXX, 2015 and did n't go back into repayment status until XXXX XXXX, 2015 and where then put back into Forbearance in XXXX of 2015. With the evidence I found, I sent certified mail to all XXXX credit bureaus as well as the XXXX/Nelnet and specifically stated my reason for dispute along with all documentation I had gathered to support my claim. When I received their response, I was in total shock. They specifically stated that they were unable to update any information because I was not specific enough with my dispute and I needed to to provide the following information : -account being disputed -reason for dispute and -specific items I was disputing. I do n't understand how I did n't provide that because I specifically filled in -the account numbers I was disputing - my reason for dispute was that they were in forbearance during the time they were reporting my account late - and specifically gave them the dates my account was in forbearance and the dates they were reporting me as late. I ca n't get much more specific than that. I will include copies of all these items I sent to them as well with this claim so it is known exactly what was sent and I will also include my certified receitps etc. that my claim was received and not addressed accordingly.
Consumer complaint received 2016-05-26
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (TX)

BB & T has been charging me excessive overdraft fees since I opened my account. Recently, I had XXXX item overdraft from XXXX for {$75.00}, and I was charged XXXX consecutive overdraft fees the day of and XXXX additional overdraft fee they next day. When I called to ask why and for the extra fees removed, they gave me some ambiguous explanation and banking jargon as to why they charged it. I had money for all my other pending transactions, but they structured it in a way to charge me maximum overdrafts. I am very upset, and this is not the first time they have done this to me.
Consumer complaint received 2016-09-07
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

XXXX XXXX, 2016 Director XXXX XXXX Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX XXXX, IA XXXX Headquarters address Consumer Financial Protection Bureau XXXX XXXX XXXX XXXX DC XXXX Dear XXXX XXXX ; RE : SPS ACCOUNT : XXXX XXXXXXXXXXXX XXXXXXXXXXXX XXXXXXXXXXXX Fax : ( XXXX ) XXXX XXXX : ADDITIONAL CLARITY XXXX I contacted SPS today and requested to speak to XXXX XXXX XXXX. 
Another employee intercepted the call and would not put my request forward. 
She informed me that my XXXX application was incomplete. I informed that that was impossible since I was approved for a short sell months ago. In fact, I was calling in order to up date SPS on the short sell activity. 

After waiting 19 minutes XXXX XXXX XXXX came on the phone. She as well spoke in a disjointed manner is haste before viewing and assessing the situation. She stated the previous employee is correct you need to provide more information. Information for what I said, I completed the XXXX application months go. She relied you need to provide more information on the short sale. 

The previous contact said nothing about the short sale nor did XXXX until I brought it into the conversation.. The continuity of picking up from the previous communication and rude arrogance of the phone contacts is deplorable. 

Please intervene and help. 


Sincerely, XXXX XXXX
Consumer complaint received 2017-01-13
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (PA)

I spoke to on the phone to the representative and was told that my payment could get an override, i.e. changed from the incorrect amount they charged me of {$5000.00} to less than {$400.00} ( date of phone call XXXX/XXXX/16 ; representative name XXXX ). This did not happen. Instead I was charged {$5000.00}. The company 's response was to do a forbearance, but this is not a reasonable solution, since on my repayment plan I will just have to make a similar payment at the end of the repayment period.
Consumer complaint received 2017-11-08
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Billing problem
Company: Motolease, LLC (SC)

On XX/XX/2017 I leased from XXXX in Indiana, paid the down payment, in additional the shipping fee, with an understanding of delivery for the specific purpose of the leased motorcycle. As of XX/XX/2017, I haven't seen or been delivered the motorcycle, in other words I haven't taken delivery of the product. On XX/XX/2017 at XXXX XXXX. XXXX related a threat of action against me for cancellation of shipment not received, and cancellation of contractual obligation having not be consummated by mutual consideration, by threatening repossession, in order to have repossession, you first have to have possession. XXXX stated in email that the threat was by motolease, a motorcycle leasing company, and that motolease would repossess the motorcycle from the shipper, and thereby require that I pay for it, even though I have never taken possession. That's a threat they can't offer, because again, you can't repossess what hasn't been in ones possession. Additionally within the contract, XXXX as required didn't collect South Carolina taxation , title, and registration fees, in such the bike isn't even registered in my name.
Consumer complaint received 2016-02-15
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

In 2006 my husband and I got scam in the sub prime loan scam the mortgage then was held by XXXX XXXX at the time I have been in this fight since 2006 trying to save my home, my husband was a veteran who bought this home as a fixer upper with his Gi loan he is now decease. They say that my home is up side down I have cased in all of my retirement fund trying to save my home the mortgage was at one point {$3000.00} dollars a month. I have been in this fight since 2006 Iam now with Sps servicing since last year it 's seems like they are not trying to help me get a modification me and my daughter and son have sent in every documents that has been required to be sent to them they come back to say that they do n't have all the information I have faxed I have sent it overnight that cost me money that I do n't always have Iam XXXX years old all the money that I ever had in my life is in my home. Iam now living on XXXX income I have worked XXXX jobs all my life me and my husband. All Iam asking for help and to be in the modification programs the mortgage is to. High. to keep and save my home. Thank any help would be appreciated
Consumer complaint received 2016-06-28
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: AES/PHEAA (FL)

I borrowed a little over {$25000.00} in student loans about 20 years ago. I was in deferment until last year. I understood that the interest was going to continue to accumulate during the deferment. My interest rate is 8.25 % and over 20 years that calculates out to {$52000.00}. The Department of Education is telling me that I owe {$110000.00}!!!! They are trying to collect {$93000.00} in interest alone! How can a single mother of XXXX survive when the government is trying to squeeze out my very last dollar so they can pay off their own debt?!
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (LA)

I had a Loan modification XX/XX/2010. I filed Chapter XXXX XX/XX/2010. At the time of filing Chapter XXXX I was only XXXX months behind. My lawyer fail to do there job and listen to me when I kept telling them I had a loan modification a few months pirio. Once we got to the the last fews months in my chapter XXXX I told then again that I had a loan modification. So they finally looked into it. MY lawyer and SPS lawyer looked into this and see that I did have a loan modification the same year. The money that was paid into the chapter XXXX to was not the amount I was behind at the time. I paid them a total of XXXX. My mortgage company have not credit the amount to my loan so I can pay the reminder and get my loan current. I This have been a problem that has been going on for a few months. 
This my XXXX time submitting a complaint.
Consumer complaint received 2017-11-08
Product: Debt collection — Auto debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Knight Adjustment Bureau (UT)

XXXX XXXX is the original creditor for my auto loan. I had a life event and unfortunately could n't pay. They have since sold the debt to XXXX XXXX XXXX and now they BOTH are reporting the same debt and attempting to collect on the debt. 
By law XXXX creditors can not collect on the same debt at the same time. -- -Also the debt is past the statute of limitations!! When I call either of them, nobody knows what they are doing and they do n't try to help. I have contacted my attorney as well as filed a complaint with the attorney general. They need to fix this. The next correspondence will be from my attorney ....
Consumer complaint received 2015-09-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Van Ru Credit Corporation (MD)

I am getting harassing calls on my cell phone and in my office from the phone number XXXX. I did not answer the phone because I did not recognize the number and have had to file for this type of incident before. When I XXXX the number. a listing for Van Ru Credit came up with listing of harassing complaints. They do not leave a message, so I am unaware as to why I am receiving a phone call from them. 

Van Ru Credit CorporationXXXXXXXX XXXX XXXX XXXX, Illinois XXXXhttp : //www.vanru.com/Contact.htm
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (IL)

I 've contacted Nationstar Mortgage on a number of occassions regarding my escrow account. Specifically, I am concerned that I am being charged mortgage insurance due to Nationstar 's negligence. The negligence is based on the appraisal that they ordered at the time I re-financed my mortgage. I understand that they contract an appraiser that is independent from the underwriting process, however, they should have qualified individuals on staff to determine if the appraisal they are considering is appropriate. First, Nationstar has a lien on XXXX separate properties with separte property index numbers. The appraiser combined XXXX properties and valued it as XXXX. By combining XXXX properties, the comps used to determine a value were not similar to my property. An additional issue was that they used foreclosed properties as comps. This type of property was not an indication of market value but distressed value. I 've researched this issue and it is in contravention to prudent appraisal guidelines. 
What is especially troubling is that the customer service departments ( general customer service, escrow department, etc. ) are not helpful and do not have the knowledge to handle my inquiry. After an over-extended period of holding, being transferred from department to another, and not knowing what " mortgage '' insurance is -- I somehow get disconnected. Regarding mortgage insurance, they continue to think that I am referring to property insurance. 
I understand that mortgage insurance is required on loans with an LTV higher than XXXX %. At the time I purchased my property this was, in fact, the case. However, the values are not being properly reflected. I have asked for another appraisal - one that values each property seperately and uses like-kind properties as an approriate comp. 
In my last contact with Nationstar, they informed me that I would be contacted by some representative from the appraisal department. I asked if this individual was an employee of Nationstar or an independent appraiser -- they were unable to discern the difference.
Consumer complaint received 2024-10-16
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: United Revenue Corporation (TX)

Apparently someone had medical services provided XXXX XXXX  through Texas XXXX in XXXX TX. 
I personally called them to see who used my name or personal information. They couldn't find any information on me. 
I checked there reviews and Apparently they been doing this scam to alot of people. 
I need help stopping this company hurting my credit. 
The third party company United Revenue doesn't have any information on me either. So I don't understand why I'm getting charged for medical services
Consumer complaint received 2016-09-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NY)

My name is XXXX XXXX and I have been attempting to get a loan modification from my current lender SPS, I was approved a modification with my previews mortgage company XXXX XXXX XXXX and unfortunately my loan was then sold to SPS who did not honer the agreement in place. Now I am facing foreclosure and are unable to re finance the loan nor bring the account current.
Consumer complaint received 2016-07-20
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (MA)

Here is the records from XXXX XXXX Note Date:XX/XX/XXXX2006 XXXX XXXX XXXX, XXXX. 
XXXX XXXX, CA XXXX Note Date:XX/XX/XXXX2006 Select Portfolio Servicing , Inc . 
XXXX XXXX XXXX, UT Apparently Select Portfolio Servicing , Inc. transferred a monetary instrument belonging to me to another institution on XXXX/XXXX/2006. However, after this date Select Portfolio Servicing, Inc. continued to demand payments from XXXX XXXX. This sure sounds and looks like fraud. 

How is this possible? What can Select Portfolio Servicing XXXX Inc. say to explain this fraud?
Consumer complaint received 2015-09-22
Product: Credit reporting — 
Issue: Credit reporting company's investigation — No notice of investigation status/result
Company: EQUIFAX, INC. (AZ)

Equifax has not provided me, to date, their reinvestigation procedures, & additional documentation provided to them, in the matter of my dispute with XXXX. This is clearly a violation of the FCRA, which enforces fair credit reporting by the credit bureaus. To date, Equifax continues to falsely report XXXX Account # XXXX as a contractual debt under my name, without conducting a proper reinvestigation of my dispute. They have not provided me any further information which supports their verification of the item, and have not weighed impartially the documentation that I provided to them. 
In support of my complaint against Equifax, I am attaching the results of XXXX investigation of my complaint with XXXX. XXXX conducted a proper, impartial reinvestigation of my dispute, and deleted the false information from my credit file. Equifax has failed to conduct a proper investigation of my dispute, or provide to me their verification procedures and additional documentation provided to them, in making their decision. Based upon their actions, Equifax has violated the FCRA regulations, and should be penalized accordingly.
Consumer complaint received 2015-05-03
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PENNYMAC LOAN SERVICES, LLC. (CA)

My mortgage banker was PennyMac Mortgage in XXXX XXXX, XXXX XXXX XXXX and XXXX ( current mortgage ) paid Penny Mac {$150000.00} to a principal balance of {$150000.00}. Penny Mac insisted that a refund check was issued on XXXX XXXX, I got XXXX for {$60.00}, that is all. Other than this I have made extra payments in XX/XX/2014 for XXXX and XXXX payments of {$250.00} in XX/XX/2014 which were never applied to the principal. I have requested several times for a summary of all payments made by me from XX/XX/2013 to XX/XX/2014 and never received this. What kind of a mortgage company is Penny Mac hoarding the money of a poor homeowner who was never late in making payments, biweekly drawn by Penny Mac from my checking account. This was simple mortgage no insurance or taxes included, I pay for these out of pocket.