davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-07-07
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Specialized Loan Servicing Holdings LLC (NV)

I was approved for a Trial period plan under the Home Affordable Modification Program with my servicer SLS on XX/XX/XXXX. My first trial payment was scheduled to start XX/XX/XXXX and end on XX/XX/XXXX. I have had an attorney helping me submit my paperwork to SLS during this entire process. Upon receiving the trial paperwork showing a trial payment of {$2300.00} per month my attorney contacted SLS and advised them they used an inaccurate income to determine my qualification and trial payment. SLS advised my attorney to submit our dispute in writing. My attorney did this on XX/XX/XXXX and confirmed it was received by SLS. SLS also advised my attorney that I should make the trial payments and if there was an error in the income calculation and trial payment amount that it would be corrected once I received my final modification and reflect on that paperwork. The error SLS made when calculation my income is simple. They based it on an amount of {$7600.00} per month which includes my base salary and tips. However, SLS counted my tips XXXX. My actual income was only {$6400.00}. My attorney advised me that normally SLS will just ignore our letter advising them they made an error and just finalize it with the same INCORRECT payment. The final modification paperwork arrived dated XX/XX/XXXX. The new payment is NOT 31 % of my real/actual/correct income. It 's 31 % of the income that we advised SLS was incorrect. I am on a tip compliance and the tips that show on my pay stubs are only for calculating my taxes withheld. I sent a profit and loss ( Per the request of SLS ) for ALL of my tips. Inclusive of the tips that show on my pay stub. Not in addition to the tips that show on my pay stub. Upon contacting SLS they state they have reviewed my attorney 's letter advising them there was an error in the calculation of the income and that they determined it was correct. However, this is IMPOSSIBLE. There is no way to calculate that high of an income for me without counting my tips XXXX. I again faxed another request to correct my income on XX/XX/XXXX. The error made while calculating my income is not complicated. The letter explains what happened ( See attached copy to this complaint ). Unfortunately SLS simply gives lip service when they reply to these types of disputes. This is not only unfair to myself, but it basically defrauds the government because they are participating in the HAMP program and the HAMP program requires the lender ( SLS ) to offer a new payment which is 31 % of my income. The offered final mod dated XX/XX/XXXX IS NOT 31 % of my income. It is 37 % of my gross monthly income. I am asking CFPB to please demand SLS comply with an actual review and correction to the error in my income calculation. So far when my attorney talks with SLS they only push for me to just accept this final modification. This final modification is fraud and uses the HAMP 1 program without lowering my payment to 31 % of my actual income.
Consumer complaint received 2017-01-27
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Metro Collection Service Inc. (AR)

Metro Collection Service, XXXX XXXX has called my landlord and her husband about my debt. I am unsure of what information XXXX XXXX of Metro Collection Service has gave to my landlord and her husband. Metro Collection Service has not contacted me directly via email, US Mail, phone or mobile. This is an offensive behavior and I am looking into laws that will demand that they stop harassing me in this manner.
Consumer complaint received 2016-07-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Media Collections, Inc (IN)

XXXX XXXX IS COLLECTING A DEBT THAT WAS SOLD TO ANOTHER COLLECTION AGENCY : JOSEPH MANN & CREED, XXXX ACCOUNT XXXX, XXXX # XXXX IN THE AMOUNT OF {$1100.00}. DATED XXXX/XXXX/2016 SEE ATTACHED. 

ALSO, REQUESTING FRAUDULENT COMPLIANT/CLAIM/DISPUTE FORM FROM XXXX.
Consumer complaint received 2016-12-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

My home flooded. I received a check from my insurance company endorsed it sent to Roundpoint Mortgage. I have been sending them information from myself and my contractor for 2 months and still have not received a check to pay my contractor for the work they have already performed. They tell me what info they need. I send the requested documents time passed while they work on it then they need more or different documents. Told that all documents are in order check will go out the next day. Wait a week for the check and then call and no still not approved need some more documents. The will not give me my insurance money. Every time I call it is someone with a different story and I can not talk to anyone who can make a decision.
Consumer complaint received 2016-12-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Northstar Location Services, LLC (WA)

I received a collection letter for a debt that I do not owe on a private student loan. After calling the collection agency, I was told that the debt was from XXXX XXXX when I attended XXXX XXXX College in Washington State. I was not aware of any private student loan from my time at XXXX XXXX College so I called the school to inquire and they informed you that the school did not accept any private student loans so it could not have been for anything related to that education. I sent them a validation letter on XXXX XXXX, XXXX but I have not received any information back from them. Then today I went to see an attorney and she called and got additional information. They told us that the student loan was originated by XXXX XXXX XXXX who filed a bankruptcy in XXXX XXXX. However, they say the loan was sold to XXXX XXXX XXXX XXXX who is now the owner and that it is serviced by XXXX XXXX. We were told the telephone number is XXXX. During the conversation we were also told that the loan in question has been in forbearance for 9 years and that there has never been a payment on it and that repayment was not scheduled until XXXX. I have no knowledge of this loan and do not believe it is my debt and I finished an XXXX degree from XXXX XXXX College in XXXX. I only took out federal loans for that education so nothing about this loan makes sense. I am concerned because this debt is presented to me in a collection letter as legitimate and I can not figure out what it is or why it is collectible. Please Help!
Consumer complaint received 2016-02-21
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: CITIBANK, N.A. (GA)

During XXXX XXXX my wife experienced several XXXX and I spent more tie in the hospital than home. Also, please keep in mind I pay my bills on time every month using my bill pay program through the XXXX XXXX XXXX. During this time apparently Best Buy transferred all financial dealings to Cti Financial/Citibank XXXX. When they did the account transfer I found out it only included my address, no email information or telephone number. Without being advised when I purchased the stove from Best Buiy the financing was for 18 months only and if the loan was not paid the financing was redone including all the interest not collected and increased my monthly payment from {$33.00} to {$45.00} monthly. 
I received a mailed notice from CTI that I amd late with my payments. I call in and told my account was fine and I never missed a payment so forget about The next month I receive another notice saying that I owe {$270.00} in late charges because I did n't make the complete payment. It is at this time I found out about the refinancing. My argument is that you NEVER notified me so please eliminate the late charges. It is then I am told things like I am stupid and delinquent on my payments. I asked for a supervisor and am told that they can not hear me and to all back never to get the same person etc. 
I was told that I am on email billing and that I signed to do such which I would never do because of confsion such as this. 
I then receive a letter from Citibank/USA dated XXXX XXXX, XXXX. They are willing to save up to XXXX and let me pay off the financing for {$1000.00}. Quite pleased with the offer as it me back to square XXXX and eliminate the XXXX in late charges and the refinancing scheme that they applied. I called and told the agent we wanted to pay the refinanced amount they offered, The agent said " just how will you pay this off? I told the that I felt it was none of their business but the money will be sent immediately. I was then told that the ofer is off as I can not tell them where I am going to get the money. Once again I asked to speak a supervisor and told that one will call back within 24 hours and it has never happened.
Consumer complaint received 2016-12-06
Product: Mortgage — VA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: RoundPoint Mortgage Servicing LLC (VA)

We are attempting to do a loan modification but the lender keeps telling us we need to submit information and we do and then they tell us we are still missing info. This has been ongoing since XXXX of this year. We hired a consulting firm and they submitted our mod documents but the lender is dual tracking on us for the modification.
Consumer complaint received 2015-05-19
Product: Credit card — 
Issue: Billing disputes — 
Company: CITIBANK, N.A. (OH)

I opened a credit card at Home Depot to purchase a XXXX on their XXXX months same as cash plan. I started making payments without reviewing my statement and after approximately XXXX months I noticed I was getting charged interest. I called Citibank who is the issuer of the credit card and the representative their informed me I had to go to the store where the purchase was made to get the interest reversed and setup on XXXX months SAC. It took me another couple months or so to make it to the Home Depot store where I ended up speaking with the store manager who informed me they ca n't correct it without speaking to Citibank and no one was available that day. I provide my information and they were to call me in a couple days with an update. I received a call that they were correcting the issue by refunding the original purchase and sending the purchase back thru on the XXXX months same as cash. This was nice since they restarted the XXXX months. However they refused to refund the interested that had already accrued and the discount I was provided for purchasing at Home Depot rather than going to XXXX. I want my discount and the accrued interest credited back to the account. Your help is greatly appreciated. Thanks, XXXX XXXX
Consumer complaint received 2016-01-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IN)

They have me living in XXXX XXXX XXXX, Il and I have n't lived there since I was XXXX years of age. My last XXXX years have been in XXXX and XXXX. I have been a registered voter in those states for those years.
Consumer complaint received 2016-05-16
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: IQOR US INC (CO)

For several years now I have been getting collection calls for XXXX XXXX. I have repeatedly told the collection firms that I am not XXXX XXXX and to stop calling. The calls stop for awhile and then start up again. I have had calls for XXXX XXXX as well. 

The current firm has called me and now sent me a letter which I have attached. I am tired of playing this game with these folks.
Consumer complaint received 2016-05-12
Product: Credit card — 
Issue: Late fee — 
Company: CITIBANK, N.A. (TX)

Charged XXXX late fee on multiple credit card accounts after setting up all payments online. They say payments were never setup I know they were setup as they are every month when they are received. They are paid in full and rarely is a balance kept on any of our cards. Here is the problem, you go in pay all your bills and then never get your email confirmation. You think they must be having a slow server or software problems. If they are they will not admit it and blame you for the late payment. You do receive an email saying your account is past due and your payment never posted. This is a scam and they know it. The electronic banking system is flawed and they know how to take advantage of online bill paying. So no email confirmation means they are collecting late fees from people who are actually making their payments on time and all they have to say is no email confirmation was sent. So they made their XXXX but lost us as Citibank customers ( XXXX of credit line ) for life. So beware of this practice. Which, if you charge a XXXX people with a XXXX illegal late fee you just made XXXX XXXX illegally and got away with it. Most people wo n't persue it but with a family of lawyers we may file a class action suit. XXXX is not the issue it is an issue to not take responsibility for your poor banking practices.
Consumer complaint received 2015-05-04
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VA)

My XXXX Credit Card A/C ( XXXX ) information does not appear on my TransUnion Credit Report. 
1 ) I contacted XXXX - They said XXXX is reporting the A/C information properly to TransUnion. 
2 ) I contacted TransUnion - They said the A/C information is not there. 
3 ) Both XXXX & TransUnion will talk to me independently but not with each other. 
I do not know how to resolve this issue - so I am contacting you
Consumer complaint received 2016-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Reinserted previously deleted info
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CA)

Have put att on even after power and utilities commission told them to take off Then put att back on and refuse to take off even thou its thru another company that is not original debiter they have refused for 4 years to take of lates of XXXX/XXXX/XXXX / XXXX and XXXX late payments even thu i have sent them all documents proof many times over they show my student loan twice and that it is not paid off XXXX owed they show half of credit limits and have XXXX limits and XXXX balance they XXXX limit and up to XXXX balance that they need to send all companies over the last 4 years new credit reports with an apology to me and company for not complying to federal and state regulations. 
That they have had information and letters rom fed and state agencies sent to them many times over and they take off then put right back on when they no better and have cost me XXXX in time copies certified mail and countless complaints over and over for the same thing for years
Consumer complaint received 2015-10-13
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: CITIBANK, N.A. (WA)

On XXXX XXXX, 2015 I received an email from my Citi XXXX preferred credit card provider. My account had been closed due to inactivity. Not having been previously notified of the pending closure I contacted Citi for verification of the closure and tried to reinstate my account. I was not aware that I was required to use their card and provide a timely use of the card in order for Citi to generate the revenue that credit card companies enjoy. I asked why I was not notified previously to this upcoming closure. I also expressed that closing my account would negatively affect my credit report. Citi advised me that the actions of credit reporting companies was not their concern. I was told that I could apply for a new account and would be subject to approval according to the processes of a new customer. This requires a credit report inquiry and other personal information. Excessive inquiries of my credit report affect my credit worthiness same as the closing of my account. I requested my account be reinstated but my request was denied. I had not been using my credit card due to a previous action which reduced my credit limit to the balance owed. I questioned Citi for the decrease. I was informed that my credit report had been negatively affected due to a recent entry by another credit provider. I requested copies of my credit report. Instantly, I determined the negative entry. It obviously was not a reportable entry. The date of the reported entry was very old and had been entered in error. It was an obvious error which was immediately corrected. I contacted Citi with the information of the correction. As the entry was blatantly obvious as an invalid entry, I did not understand why Citi did not review my credit report for accuracy. An obvious error of date. Citi reduced my credit limit due to their lack of responsibility in the handling of my account. I quit using my Citi card due to the careless practices of their business procedures and lack of providing a business relationship conducive to ethics and fair practices. I did not want an account with Citi but new the negative result of closing a credit account. I sent an email to customer service. I received an email in return stating I could read their response by logging into my internet account which I could not access as my account had been closed. I then contacted Citi and was referred to a manager. XXXX. She could not repair the damage already created. She suggested that I apply for a new account. Unsure of how to proceed I agreed. I still have Citi reporting a closed account and added inquiry to my credit report. While reviewing my credit report, the only negative entry would most likely be reported by Citi. My credit may not be granted due to the actions of Citi.
Consumer complaint received 2015-11-11
Product: Prepaid card — General purpose card
Issue: Unauthorized transactions/trans. issues — 
Company: U.S. BANCORP (NY)

I received a {$75.00} Master Card gift card XX/XX/XXXX. XX/XX/XXXX I proceeded to use the gift card at a restaurant where I was advised by the waitress that the card did not have sufficient funds. I immediately went onto the web site listed on the card and I come to find out that the card was registered to XXXX XXXX where this person made XXXX online purchases, one with XXXX XXXX and the second with XXXX. The remaining balance was {$15.00}. I called the customer service number on the card to advise that the charges were fraudulent. The customer service rep XXXX told me that before they can reissue me a new gift card I would have to send proof that I was the owner of the card. I was told to send a copy of my drivers license and a copy of the front and back of the gift card - proving I was the owner of the card. I faxed all of these requirements within 24 hours. Once month later I received a letter stating that they would not reissue a new card because the charges were over 120 days old. This company not only would not reissue a new card they also blocked the usage of the remaining {$15.00} on the card. I was advised that I would have to dispute these fraudulent charges with the vendors. These charges were made XX/XX/XXXX and XX/XX/XXXX, I reported the issue well with 120 days yet this company will not follow through and reissue a new card. I need your help to obtain a replacement gift card.
Consumer complaint received 2017-01-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Onity Group Inc. (CO)

A speed fast mortgage payment was made on XXXX XXXX, 2016 at XXXX XXXX. by phone, confirmation number XXXX, but the payment was not posted until XXXX XXXX, 2016 because the cut off time was XXXX XXXX. Since there was a 49 minute difference I requested by fax and I mailed a letter to Ocwen to adjust the payment postdate to the correct date of XXXX XXXX, 2016 and remove the delinquency from my credit report, but Ocwen is denying my request. I talked to XXXX agents at Ocwen who both confirmed the payments are shown to be made on XXXX XXXX, 2016. The first agent was XXXX agent number XXXX and the second was XXXX XXXX agent number XXXX.
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Grant & Weber (GA)

Pulled credit report on creditkarma.com prior to filing bankruptcy. Grant & Weber not on report. Filed bankruptcy at the end of XXXX. Went to court in XXXX. Started getting emails about a new item on my credit report. Found Grant & Weber updated my credit report twice for the same XXXX XXXX account that was included in the XXXX bankruptcy, XXXX update was for {$200.00} and second update was for {$200.00}. This account shows active since XXXX but only appeared on my credit report after I filed bankruptcy. I contacted my lawyer who was unable to have the collection activity stopped. I recently filed a dispute with XXXX, the item was completely removed from my credit report but I feel it was never supposed to be there to begin with. The collection account is also from a hospital which I 've never seen a hospital bill appear on my credit report. I also find it strange that almost immediately after filing Chapter XXXX a fresh item of debt was added to my credit. I begin to get phone calls threatening to take me to jail, I ultimately had to change my phone number.
Consumer complaint received 2016-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: U.S. BANCORP (OH)

After issuing us an initial Closing Disclosure on XXXX/XXXX/2016, US Bank Home Mortgage increased our Cash to Close amount from {$13000.00} to {$14000.00} by issuing XXXX additional closing disclosures which increased the costs and fees that we needed to pay on the loan at close. It is importantly to note that NONE of these subsequent closing disclosures honored the required three business day review period before our closing date of XXXX XXXX. 

Their blatant disregard for the new Dodd-Frank regulations was apparent when I complained to our loan officer on the afternoon of the XXXX and then talked to his manager on the morning of the XXXX after an additional {$500.00} fee had been added the morning of the XXXX. During my call with his manager on the XXXX, I requested that they honor their original cash to close amount due to the three business day review period in the Dodd-Frank Act and they responded that if I did not provide the full cash to close amount from the second XXXX XXXX disclosure that they would not process our loan ( and thus my wife and I would be in breach of contract with the selling party ). Their deliberate coercion and bad faith in lending through the last-minute fees was obvious when I found that the final version of our closing disclosure decreased our total amount to close by {$53.00} because they had EXCEEDED the legal limit they could charge us in the previous closing disclosure. 

Also, this loan was begun long outside of their required 45-day processing period, had originally had a closing date in XXXX and the loan had left underwriting on the XXXX of XXXX. Thus, there is no defense or excuse possible for violating the three day review period requirement. Instead, it appears to have been done entirely based out of either gross negligence on the part of US Bank Home Mortgage or a calculated approach to take more money from their customers. 

Through the attached e-mails and closing disclosures, it is CLEAR that the regulations were NOT followed and left my wife and I in a situation where we had to either pay the increased amount or be in breach of contract and risk a lawsuit of close to XXXX dollars. This caused us great distress and anxiety and thus we are filing this compliant to ensure not only justice for ourselves but more importantly for all of the other people who have also fallen victim to US Bank Home Mortgage 's gross negligence and belligerence.