davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-18
Product: Mortgage — Reverse mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (OR)

My reverse mortgage was transferred to Champion mortgage .  I received a letter from  Champion mortgage requesting payment as they are a  debt collector. I called  Champion  and they stated don't pay any  attention to the request.  If I don't answer the request within a short time frame I will lose any right to a rebuttal. I requested a E-mail stating  The wording in this case did not apply to me and I was told that would not be possible. I called XXXX more times talking to different people and as soon as they received my loan number I  was disconnected.  I have no one to talk to or a proper address.
Consumer complaint received 2019-07-24
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (MO)

On XX/XX/2019 I received an alert from Equifax that credit card from XXXX was inquired an or opened under my name and SS number. I did not try to open one.
Consumer complaint received 2020-05-26
Product: Checking or savings account — Checking account
Issue: Closing an account — Company closed your account
Company: TRUIST FINANCIAL CORPORATION (FL)

On XX/XX/19 my domestic partner and I opened a joint account for the amount of {$1000.00} at Suntrust Bank branch in Florida located at XXXX XXXX XXXX XXXX XXXX Fl XXXX. 

My partner already moved to XXXX and I am in the process of relocating. On XX/XX/19 the account was closed by the bank and decided to withhold the XXXX after the check was cashed by XXXX. 

The officer at Suntrust refused to tell us the reason why the account was closed and refused to return our money. We spoke with Officer XXXX XXXX XXXX XXXX ) XXXX at Suntrust Executive Services in XXXX. 
She referred us to their legal department telling us the money was locked in the bank 's safety box. She also told us to contact and inquire about my credit report with the credit bureaus. We did and found nothing wrong with my credit which the officer al the local Suntrust bank suggested, was the issue. 

I contacted the legal office of the XXXX XXXX XXXX of which I am a member. They wrote several letters to the bank. As of now the letters have been unanswered.
Consumer complaint received 2015-08-27
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

I had a mortgage with XXXX XXXX/Select Portfolio Servicing and never did receive a proper loan modification. I suffered a XXXX XXXX among other things in XXXX. It forced me to get behind on my payments. XXXX XXXX filed suit foreclosure on me in XXXX. I was making payments up until XXXX. The home has always been in my name. My daughter lived with me and paid rent and utilities ( documented ) because I was older and than she had some problems of being XXXX becoming a victim of XXXX forced her to move out for safety reasons. I felt behind and became sicker. XXXX XXXX along with Select Portfolio and their attorneys XXXX XXXX XXXX sued me and what they did is highly illegal. I started receiving court papers. They named my daughter as a co-borrower and my daughter was NEVER listed on the mortgage as it is clearly stipulated. They added her name in court lawsuit and the lawyers back dated a Mortgage Summons to XXXX and the case was not filed until XXXX. I was paying my mortgage but felt extremely behind because of severe illness and XXXX on my daughter. XXXX XXXX, Select Portfolio Servicing and XXXX and XXXX started sending my daughter lawsuit threats adding her to a foreclosure that she had nothing to do with. I recently called Select Portfolio Servicing and their Sr Rep told me that my daughter was no where on the mortgage or as a borrower of any sort, so XXXX XXXX, Select Portfolio Servicing and XXXX XXXX XXXX lied! They forged my daughter 's initials on papers and committed fraud and deception on my daughter and me by backdating court documents that are untrue. They purposely omitted the fact that my daughter only paid rent and they omitted all rent receipts. We have recently relocated due to health reasons and safety reasons but a family member is at the house until sold. I am working with XXXX for a Short Sale and when I have tried to talk to Select Portfolio Servicing because XXXX wo n't talk to me, they do n't want to hear about a Short Sale. They have my house scheduled for aution on XXXX XXXX, XXXX. I have filed in court Appearance and Answer to Complaint on Foreclosure Mortgage and indicated my daughter 's name is illegally on these court papers and she is not the borrower and that I am trying to do the best I can in selling this house in a Short Sale. Please help me because they are commiting fraud, deception, forging my daughter 's initials/signatures back dating documents, to XXXX and XXXX illegally and ignoring any communication I try to do. I want to press charges as my rights and my daughter 's rights under the FDCPA and FCRA are clearly violated.
Consumer complaint received 2015-04-28
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BB&T CORPORATION (FL)

BB & T BANK SUBMITTED A XXXX AND I DID NOT USE THE BANK ACCOUNT. I WANTED TO OPEN A BUSINESS ACCOUNT AND THEY WOULD NOT LET ME. THIS NEEDS TO BE REMOVED FROM MY HISTORY.
Consumer complaint received 2019-08-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: EQUIFAX, INC. (PA)

Equifax reporting 2 mortgage inquires made a day apart as separate hard inquires. When I called they repeatedly said they do NOT follow CFPB policy/regs/law and instead count every inquiry by a different company as a separate inquiry for the purposes of calculating scores regardless of when and why made.
Consumer complaint received 2020-05-26
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Shellpoint Partners, LLC (FL)

We applied for a forbearance with our mortgage lender due to the Covid pandemic and the complete shutdown of our business from XX/XX/2020 onward. The company ignored our request for many weeks until we filed a complaint with your office after which they finally granted us a forbearance. Here is the catch. They now say at the end of the forbearance we owe them all four payments at once or we are in default. That is insane. It is not a forbearance at all and it does absolutely nothing to help the situation. They are basically postponing 3 payments for the period then making them due immediately following at risk of foreclosure. 

A forbearance is supposed to mean a postponement in payments which are then due at the end of the loan so the three month grace period allows the borrower the time to recover from the massive losses we have incurred. This is unethical and probably illegal. We need you to help us end this ridiculous attempt to get us out of our house please. 

The forbearance period began in XXXX and covers the XXXX, XXXX and XXXX payments - which we are now told are all due along with the XXXX payment on XXXX XXXX. 

thank you
Consumer complaint received 2015-12-27
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: BB&T CORPORATION (MD)

CLAIM AGAINST BB & T, WHICH THE CFPB REGULATES, FOR VIOLATION OF CONSUMER PROTECTION LAWS In XXXX 2014 ( my dispute with BB & T has gone on for months ), I called the Fraud Division of BB & T and reported criminal activity on my account. XXXX Sunday, I found myself locked out. I called the office of a company which purported to be in the locksmith business. I told the dispatcher that I needed to have my front door opened and a mailbox key made. He told me that the price for the work would be {$120.00}, which I agreed to pay. However, when the locksmith finished the job, he presented me an invoice for {$440.00} and threatened me physically if I did not sign the invoice. Under those frightening circumstances, I signed. I may have gotten a few facts wrong when I reported this incident in my initial letter to the bank, but I was so traumatized by these events that I had to process them with the help of a psychiatrist, and I shook each time I discussed them. 

A few days after the incident, I filed a report with the XXXX XXXX XXXX Police Department. XXXX XXXX took the report. During our discussion, he mentioned that the Department had received complaints from XXXX other individuals regarding a swarthy looking man who had done some locksmith work on their property and had threatened them physically into signing an invoice several times greater than the amount that they had agreed to pay.. 
Four or five months into this debate, BB & T insisted that I provide the bank with a copy of the police report. I went to the Police Department and requested a copy, but they could not find it in their files. The Department 's failure to produce the report was not terribly surprising to me since I had filed a prior complaint with the Department on a totally different issue and they could not find that report in their files either. 

I have exchanged several letter with BB & T 's Assistant General Counsel XXXX XXXX on this issue. She insists that I produce a copy of the police report before she would refund the {$310.00} that BB & T had deducted from my account. I have explained to her numerous times that I did not sign the invoice voluntarily but only because my life was threatened. I also told her that I refused to be penalized for the carelessness of the Police Department in maintaining its records. 

This is a case where a bank is oppressing a customer -- simply because they have the power, and the customer has no power. 

I hope that the CFPB can help me get my money back. Many thanks for your assistance. 

Sincerely XXXX XXXX XXXX XXXXXXXXXXXX Landline : XXXX Cell : XXXX
Consumer complaint received 2016-02-03
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (MD)

Fees charged are excessive are fraudulent. BB & T sent an email showing an item was unpaid, it was a CC payment. Looking at the statement it showed that another bank had removed funds and it failed by a few cents. I immediately put in another CC payment for a lesser amount so that the bill was paid on time. That transaction also failed so once again I put in another payment, that XXXX failed also. Come to find out the original email was wrong, the XXXX item was paid. This caused fees to rack up and for me to suspend any future deposits to the account. When I sent BB & t a message regarding these failures on I did n't receive a reply until weeks later and it was a typical canned response. I do not understand why you ca n't do the right thing for your customer and work with me. Also please communicate via email or if you must via postal mail. I do not have time to do the run around on the phone as I have a XXXX month old daughter that I am taking care of. I attempted to resolve this with them but they are n't budging and have reported the account to XXXX. All that was needed was a reversal of the fees charged, this is n't money they earned its ridiculous fees they made up. Had the original message been correct then the other fees would n't have occured in the first place.
Consumer complaint received 2015-11-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have been approved for a loan modification by the Servicer SPS andthey continue to foreclose on my family even after I have reached out tothem several times for help. They are clearly ignoring our cries for helpalthough we have qualified and have been approved for a loan mod. 
I have spoke to several different reps ( XXXX in all- XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX XXXX XXXX - XXXX XXXX @ XXXX XXXX XXXX @ XXXX and XXXX @ XXXX XXXX ) All of them gave me the run aroundevery time I called and they said that the foreclosure would be stoppedand that I would not lose I home because we qualified and they weresending the approval by mail which has not arrived yet. However theTrustee sale is set for Monday XXXX XXXX, 2015 by XXXX XXXX who I also called to request help and all they saidwas to file bankruptcy which is the only option they claimed I hadto save my home. I am very frustrated and scare about the foreclosuresale date and have not been able to get anyone to confirm the stoppageso I still face losing my home on Monday. I need help to stop theServicer from foreclosing on my home. They have negligent and abusivetowards us and now they want to steal our home and kick us out onto thestreet and be homeless.
Consumer complaint received 2016-04-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Borrower suffers from XXXX and has been through a grueling process to try and keep his home. Now, he is in a short sale and we were able to obtain an all cash non-contingent offer at a price we believe is more than what the banks own BPO came in at. Nationstar has been made aware of the borrowers medical condition and how the stress of the process continues to affect him yet they have not responded to the offer stating the borrower has to list his home on their auction site and go through an auction process to " validate '' the sale to make sure they are receiving an offer that is in line with fair market values. We have asked the bank to provide us with a copy of their own BPO or to tell us what the BPO came in at and they will not. In addition, strangers came to the property today and knocked on the door stating the property was listed online as going to auction today. When I called the bank, the bank said they have not scheduled the online auction and did not provide a time frame. I have checked with foreclosure advocates and attorneys and a few of them had said that Nationstar has not made this a requirement for ALL borrowers and the fact that the borrower informed them in writing of his medical situation and his disagreement with having to be placed in an online auction should have been enough for Nationstar to provide him with an exception to the online auction like they have done for other borrowers.
Consumer complaint received 2019-08-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (CA)

According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify -through the physical verification of the original signed consumer contract -any and all accounts you post on a credit report. Otherwise, anyone paying for your reporting services could fax, mail or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the accounts listed below. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: Experian Information Solutions Inc. (WA)

Due to recent data breaches at XXXX I froze all my credit accounts with the four major credit reporting companies. I did not want to do this. I did not agree to allow my PII to be stored on servers that do not meet industry standards in security. Yet, I still have to pay {$10.00} plus tax in my state to add a layer of protection to my data due to the negligence in the safe keeping of my personal data. I do not think this is fair and would like to be reimbursed for the freeze/thaw requests that are now being advised in order to protect my identity and credit that is being stored at a company that I have no consumer choice in selecting. 

I would like a refund in the amount of {$11.00} from Experian and {$10.00} from XXXX. I would also like to have all future freeze/thaw fees waived since they are being recommended as essential data security protection by industry experts and CFPB in light of the latest data breach. Lastly, I would like to request that credit reporting companies handling sensitive consumer data follow industry standards regarding its encryption and protection and that the chosen practices are audited regularly for compliance.
Consumer complaint received 2015-07-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

A request for a Loan Modification was filed by borrower in XX/XX/2015, Servicer Bank of America denied the loan mod on XXXX/XXXX/2015, a Short sale was submitted on XX/XX/2015, bank of America denied the short sale by stating occupancy of the property was misrepresented. 
Borrower 's homestead is the property in distress XXXX XXXX XXXX XXXX XXXX, because of work reasons her employer has given her temporary work assignment is different States, the last being XXXX, where it was just terminated and she is back home. 
The property has been occupied by her parents and her only child, they have always live in the property. 
We files an escalation with XXXX the investor of the loan and they instructed the negotiator negotiating the short sale, to submit a request though the home path ( XXXX System ), but we also needed to re start the process with BOA as well, we did and it was declined for the same reasons. 
We received a letter allowing us to the Short Sale and the same date we received a letter denying the Short Sale. 
The borrower is entitled to a short Mitigation Option and there is a purchase agreement, meeting the bank 's value. Against CFPB regulations to stop the foreclosure sale until we finished the process, ON XXXX, the bank through its counsel filed a Motion to set foreclosure sale date to XXXX. 
The borrower has a child and XXXX elderly parents who live with her in the property. 
We believe the servicer is not reading the rebuttal sent to them and is ignoring all explanations. 
Bank of America wishes to continue with foreclosure in order to later transfer tittle to institutions such as XXXX or XXXX so the properties can be sold as bulk to investor all over the Nation.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MA)

Due to the XXXX security breach in XXXX XXXX, I have no other option to protect my credit and my identity than to place a credit freeze with XXXX, XXXX, and TransUnion. Theses bureaus charge a fee for the freeze despite the fact that they are profiting off of my personal information and fail to protect it. These agencies should not be allowed to profit from their own failings and inability to protect consumer data.
Consumer complaint received 2015-04-24
Product: Money transfers — Domestic (US) money transfer
Issue: Other transaction issues — 
Company: Paypal Holdings, Inc (NY)

On XXXX XXXX, 2015 I transacted with an organization known as XXXX XXXX. I chose the Paypal payment option, having held an account with them previously. After the transaction, I experienced significant difficulty navigating a third party website XXXX which was unknowingly required to use the vendor 's software. Based on this difficulty, within 15 minutes I intended to cancel the transaction and pursue it through other payment methods via the XXXX website. Paypal informed me this was not possible and something I needed to coordinate with the vendor. I instructed Paypal in XXXX directions : 1 ) cancel the transaction, 2 ) cancel my account. They informed me only option XXXX was available and that by doing so, I would be unable to dispute future charges. I informed them that that was practice was not appropriate and proceeded to close my account.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with fraud alerts or security freezes — 
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I was part of the XXXX credit information hack. I find it unacceptable that I have to PAY to freeze my credit when I did n't consent to my information being stored by XXXX, XXXX or TransUnion in the first place. Congress should make credit freezes and unfreezes free federally. Credit reporting agencies already make money off of my information and I should not be required to pay them additional money to protect my information, especially when they are doing a poor job in the first place. Thank you for taking time to read my complaint.
Consumer complaint received 2024-10-27
Product: Vehicle loan or lease — Lease
Issue: Managing the loan or lease — Problem with additional products or services purchased with the loan
Company: Bridgecrest Acceptance Corporation (CA)

I am filing a complaint regarding Bridgecrest 's potentially predatory auto loan practices. My payment records from XX/XX/year> show a concerning breakdown where out of my {$580.00} monthly payment, {$520.00} ( 90.1 % ) goes to interest while only {$57.00} ( 9.9 % ) is applied to principal. This extreme interest-to-principal ratio makes it mathematically impossible to pay off the loan. Additionally, research indicates Bridgecrest only holds a debt collection license in California, not a sales finance license, raising questions about their legal authority to originate and service auto loans in the state. The payment is processed as a " One Time ACH Payment '' through their system, demonstrating active loan servicing despite potentially lacking proper licensing. This structure appears designed to trap consumers in perpetual debt through excessive interest charges. I request investigation into their lending practices, licensing status, and compliance with consumer protection laws. The payment documentation clearly shows what appears to be predatory lending practices that may violate both California usury laws and federal consumer protection regulations.