davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Stearns Ventures, LLC (MD)

My wife and I purchased a home in XXXX, MD on XXXX XXXX of this year. The original lender, XXXX XXXX, XXXX XXXX Lending, subsequently sold the mortgage to Stearns Lending, LLC. To ensure that our mortgage payment was made on time, we set up an automatic bank deduction with the loan servicer, XXXX. That arrangement was corroborated by a letter from XXXX on XXXX XXXX confirming that the initial draft against our specified bank account would be drawn on XXXX XXXX. However, for unknown reasons that did not occur. We assumed that at some point the deduction would be made as per our instructions and waited for the debit to appear. When it became clear that the transaction due in XX/XX/XXXX did n't occur I contacted a Stearns agent in an effort to resolve the confusion. She informed me that we had authorized making a double payment instead of paying in XXXX separate installments, which we preferred to do. The Stearns agent accepted our request indicating it was okay void one of the payments. That would have kept the mortgage current. However on or about XXXX XXXX we received notice from Stearns that our loan was in default. When I subsequently contacted Stearns, I was told by a collection agent that no payments were made and that the original information provided by Stearns was incorrect. It turns out that all the attempted payments were inadvertently cancelled. Sensing that our credit was in jeopardy I immediately brought the mortgage up to date by making two payments. However, checking our credit score this week I noticed that it had dropped XXXX points in the last month to a " not good '' rating. Looking at the actual credit report I see that Stearns reported that we were 30 days delinquent in making our XX/XX/XXXX mortgage payment, even though we tried in good faith to do so. This unfortunate situation could easily have been avoided had I received adequate notice from Stearns that a technical default was imminent. Our credit report shows no previous mortgage delinquencies in our history and that we have always been up to date with these payments. A low credit score has consequences in terms of obtaining additional credit and possible employment. We believe Stearns ' action has tarnished our reputation and that as a remedy the company must correct the delinquency report to the appropriate credit reporting agencies. Premature delinquency reporting is an unacceptable tactic that amounts to harassment causing considerable emotional stress. Incidentally, no late fees were imposed during this entire period indicating that no delinquency actually occurred. We have also filed a complaint with a credit bureau which is investigating the matter. Thank you in advance for your consideration.
Consumer complaint received 2016-10-31
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: AES/PHEAA (MA)

I started working at a XXXX XX/XX/XXXX, and have been attempting to work toward Public Service Loan Forgiveness since then. After receiving incorrect advice for my first two years, I finally consolidated my loans through Federal Direct Loan Servicing, and started working toward making my 120 payments. In XX/XX/XXXX, I was trying to get ahead and actually make extra payments toward the principal. Users seem to be punished by trying to actually pay off debt through this program, as once I got ahead of my minimum monthly income-based repayment, they stopped counting my payments. The payments only register in their system if you pay the minimum and only the minimum. 

I have been submitting regular applications to PSLF each year to show that I am still working at a nonprofit. Even after doing this year after year, my statements only indicate that I have made 3 qualifying payments toward my largest loans. I have called numerous times asking them to correct this, and though they tell me they can, my statements still only reflect these XXXX payments. Most recently I called today, and was told that even though my most recent application was received XX/XX/XXXX, they still have n't gotten around to reviewing it and tracking my qualifying payments. 

Since the time I officially started with FedLoan Servicing, I have without fail made my monthly payments or more. By now I should have at least XXXX qualifying payments made toward my biggest consolidated loan. I 'm tired of calling and talking to various people ( who have different levels of knowledge ), and still not seeing any results. I have for a while felt like I have lost faith in this program, and wonder if I should be trying harder to simply pay back my loans. I fear getting to the end of a ten-year period and finding out that I will never qualify for loan forgiveness, and that in the end I will owe much more than if I were to have been paying it off little by little over that same period of time. 

I know CFPB is working very hard to try to make this system consistent and reliable, but I just do n't see the loan servicing industry coming through. Thank you for your hard work.
Consumer complaint received 2015-08-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (DC)

Hi my name is XXXX XXXX XXXX I am with.Sps serviceing loan I have been dealing with them for months sending in paper work trying to get into the modifiction and home save program. TO Save my home they have strong me along.. now they telling me and my daughter that they ca n't put us in the modification programs or the harp my husband is decease he was a veteran of the XXXX can any XXXX help me to save my home we do n't have a lots of money we are just the average working person we got into that supreme loan scam I have been fighting since 2006 to keep my home all my retirement money is in this home please help me. Thank you why send in. All the information and then they not help me why? My husband is a decease veteran I am his spouse.. 
Please help me and my daughter. Keep our home. Please I was at the XXXX counseling office one day a woman who has the same as me they modified hers mortgage to {$800.00} dollars a month what joy I was hoping to get the same help not so why they held me on and had me thinking they was going to help me? I 've sent in all the information that was required for the the modifiction or the harp program why? Now they say that they wo n't give me the modifiction or put me in a program that will help me save my home please help thanks.
Consumer complaint received 2015-10-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (GA)

My name is XXXX XXXX. I have been a victim of Identity Theft. I have been trying to work with the Credit Reporting Agency but they are refusing to honor my valid identity theft case thus these incorrect/fraudulent items are still on my credit report and they must be removed immediately but they are do not belong to me. I have provided all of the proof to show that I was a victim of Identity Theft and that to the best of my knowledge these fraudulent accounts do not belong to me. Please take immediate action on my behalf so I can have these items removed, deleted and permanently blocked from my credit report, so that I can get back on track to a normal life. 

RegardsXXXX
Consumer complaint received 2017-11-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (TX)

I have made several attempts to have the account closed and removed for a child support case that was closed over 4 years ago and is still being reported on my credit. I called said agency and was told the account would continue to stay open until I pay a XXXX $ application fee this account was opened in 2012. And was closed the follwing year yet has been reported incorrectly on my credit report for almost 5 years.the child was in my custody from the time of the account opening until its closure the account was opened incorrectly on my behalf.
Consumer complaint received 2016-07-05
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

We filed the background on this issue previously [ Case number : XXXX ]. 
No one at Citi admits fault ; however, they finally ( after more than 6 months ) have authorized a " modification '' to our loan. 

The remaining issue is that the people and processes inside Citi appear to be incompetent. No one shares information. Records are not updated properly. 

Although we continue to make on-time payments, we are charged " late fees ''. We continue to get " Important '' telephone calls from Citi. We have a " specialist '' assigned who no longer communicates with us or responds to email. A recent message through the internal messaging system received a reply alleging " I spoke to our collections unit and they state there is? no? modification on file for this loan. '' And yet, there is a modification on file _somewhere_.
Consumer complaint received 2017-01-24
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker — 
Company: Shellpoint Partners, LLC (CA)

My name is XXXX XXXX and my property was foreclosed by ShellPoint Mortgage while I was in review for loan modification, I property is now owned by a 3rd party as of XX/XX/2017. I believe ShellPoint did not follow the proper Home Owner Bill Of Rights procedures as I feel I was a victim of dual tracking.
Consumer complaint received 2016-10-31
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: ALLY FINANCIAL INC. (CT)

I would like for the Department to look into the payment of my auto loan with Ally Bank. Since the inception of the loan, I have paid little more than what is due monthly XXXX - XXXX % of the time. The extra monthly payment made was to be applied to additional principal, but I have not seen this clearly computed. I have not missed one payment for the duration of the loan. I have spoken to their Customer Service Representatives several times but no satisfactorily answer has resulted. I have asked completely payment history of the loan many times but that has not been provided. However, the partial payment history proved on line will support my complaint. 
The account number in question is XXXX Thank you for your intervention. 
XXXX XXXX and XXXX XXXX Here is our contact information : Mailing address XXXX XXXX XXXX, XXXX XXXX, CT XXXX Cell phone : XXXX XXXX Email : XXXXXXXXXXXX
Consumer complaint received 2017-03-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (OH)

I have XXXX complaints to file with my XXXX loans which are serviced by Shell Point Mortgage. 
The constant misapplication of payments has caused me great suffering and great confusion. I am the managing memeber of XXXX. I also have been originating mortgage loans for 25 years. I have had loans with almost every servicer in existence over the last 25 years.
Consumer complaint received 2015-05-14
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: HSBC NORTH AMERICA HOLDINGS INC. (MN)

Company by the name of " XXXX XXXX '' contacted me several times in an attempt to collect a debt that is n't mine. They were nasty, rude and refused to provide me with pertinent information if this would have been a legitimate claim ... .which it is not. I called back the number they gave me a XXXX time and they gave me different information as to why they were calling me. This is a huge scam and they need to be stopped. No company by their name is listed with the XXXX, and complaints are all over the internet. They have XXXX locations apparently, from XXXX to XXXX. DO NOT GIVE THEM ANY PERSONAL INFO, they need to be shut down.
Consumer complaint received 2016-10-08
Product: Bank account or service — Checking account
Issue: Making/receiving payments, sending money — 
Company: U.S. BANK NATIONAL ASSOCIATION - SAN FRANCISCO MAIN BRANCH (CA)

I received a money order for a piece of art. I took it to my bank and they told me the check was good and I would have access the next day. 5 days later they withdrew the money from my account and said the money order was a forgery. I expected my bank in this day and age to know a forgery and let me know before they made the money available to me. The last thing I expected was 5 days later to be told it was a forgery. I had been with this bank for 12 years. It was their responsibility.
Consumer complaint received 2017-01-24
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: National Enterprise Systems, Inc. (TX)

I have been receiving calls from XXXX XXXX XXXX XXXX which belongs to National Enterprise Systems. A gentleman with the first name XXXX ( sp? ) and a female with the last name XXXX ( sp? ) were the last two I spoke to in reference to receiving calls for someone else. XXXX told misrepresented his business when confronted with my question " You are a debt collection agency, right? ", his response " we deal with business copyrights and legalities associated with those copyrights. '' This company is clearly a debt collector as their website suggests : XXXX and they operate out of XXXX XXXX XXXX XXXX XXXX Ohio XXXX ( XXXX ) The calls have been very aggressive impeding my sleep ( calls at XXXX in the morning to XXXX - XXXX to my phone while at work interrupting my work flow. My employers are questioning my integrity and it severely takes from my over all productivity. 

When threatening to take legal action against the harassment, it did n't even seem to phase them. Poor business and ethical practices. I feel for those that have to deal with them because of debt ...
Consumer complaint received 2015-04-21
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: JPMORGAN CHASE & CO. (TN)

i called JP morgan Chase to apply for the HARP program to reduce my home mortgage loan interest and to qualify and without going to details he said I did not qualify and I ashed why? he said you do n't qualify he said my loan was n't a fannie mae loan? I said yes it is a XXXX Loan he said no your loan is sold to another lender I said another lender and I was notify? I asked so who is my new lender now? he said I do n't know? I said well who will tell me then he transferred me back to customer service I gave them my loan number XXXX my name XXXX XXXX XXXX and this time a lady she said my loan is a XXXX Loan, so this man did not tell me the true why he did tell the time to ask me the questions he needed before saying if I qualify yes or no? I told him that I have being working on my credit score they- chase told me to work on my credit and call back in XXXX months and that is what I am doing, my interest are too high right now being a XXXX after a difficult XXXX, lost my job and had more medical bills, paying more medical bills and I need to apply for this HARP program
Consumer complaint received 2015-07-10
Product: Debt collection — Mortgage
Issue: Cont'd attempts collect debt not owed — Debt was discharged in bankruptcy
Company: Partners for Payment Relief (CO)

I was notified that Partners for Payment Relief ( PPR ) had obtained a copy of my credit report. I have not authorized PPR to request and obtain a copy of my credit report. I have provided PPR formal notice to cease unauthorized inquiries ( made XXXX/XXXX/XXXX, XXXX/XXXX/XXXX, XXXX/XXXX/XXXX ) into my credit report. They failed to respond to my demand to remove the improper inquiries or provide any document that authorized them to make inquiries into my credit report. 
I contacted PPR on XXXX XXXX, XXXX and notified them the debt was discharged in Federal Bankruptcy Court ( XXXX ) and any attempts at collection ; including credit report inquiries is a violation of Fair Debt Collection Practices and Fair Credit Reporting Act ( s ). They assured me in our conversation on XXXX XXXX they would not request my credit report in the future. on XXXX XXXX, XXXX they pulled my credit report again. 
I have no legal ownership interest in the property which they are attempting to collect. 
The mortgage holders ; XXXX XXXX and XXXX Mortgage affirm they are NOT pursuing any claims against the property or discharged mortgage. In addition they avowed they have not retained or authorized PPR to obtain my credit report or act on their behalf in any attempt to collect on a debt. 
I have provided PPR documentation of the mortgage discharge in federal bankruptcy court as well as the recorded deed showing I have no ownership rights in the property. 
PPR is prohibited by federal bankruptcy law to attempt to collect on the discharged debt, is not an agent of the mortgage holders, is only permitted action against the property in which I have no ownership right and I have not authorized them to obtain my credit report. As a result they have no legal right to request and obtain a copy of my credit report and refuse to cease and request the credit bureaus where they obtained the reports remove record of the inquiries.
Consumer complaint received 2016-11-09
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Torres Credit Services, Inc. (IL)

after checking my credit reports i noticed that torres was reporting incorrectly on multiple reports. I have not done business with this company, have no signed contract with them nor do i owe them any money.
Consumer complaint received 2016-01-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NJ)

Our mortgage was sold to Suntrust Mortgage. WE have had nothing but trouble with this company since the sale of the mortgage. First the company did not pay our home owners insurance and we had to call to get that fixed, then they did not pay our property tax, that required another call and being transferred from department to department to get that problem fixed. These problems are not even what my complaint is about. When I called to see what was going on with the nonpayment of my home owners and taxes, I told the person I spoke to that I was on XXXX and would only be able to make my payments around the third week of the month when I get a check. I tried to get them to waive the late fees because of this situation but they could not accommodate me. Sorry for being so long but this is my real complaint, from the first of the month to the time I make my payment I get harassing phone calls, from early am XXXX or so to evening close to XXXX. I spoke to a person from the bank about this but nothing was done. This has been going on for months. Is there anything that can be done about these calls. 
Thank You
Consumer complaint received 2017-01-13
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SELECT PORTFOLIO SERVICING, INC. (GA)

Recommendation : Governance and Loss Mitigation Review. Confidential Settlement Response : XXXX XXXX XX/XX/XXXX Letter Basically, I find XXXX XXXX offensive. We all understand that mortgage are securitized and the ownership of the mortgage can been transferred. I have decided to attach my resume in order that I am not insulted again. You will find it hard press to find someone more knowledgeable. I am requesting to communicate to some one more senior to XXXX XXXX in order to resolve this matter. 

XXXX XXXX implies that SPS is s " blind agent '' and simply collects for the mortgage payments for owners. It sounds like statements at the XXXX XXXX. 

First I would like for XXXX XXXX to provide support that she is in contact with the mortgage owner. 

I would like for her to explain why SPS did not direct my concerns about the property over payments to the mortgage owner. Please provide the owner of my mortgages contact information. 

A professional would have questioned why the XXXX XXXX XXXX property was being taxed on for XXXX in XX/XX/XXXX when it was purchased for {>= $1,000,000} in XX/XX/XXXX. 
Mortgage foreclosures in XX/XX/XXXX were down XXXX % from the Great Recession of XX/XX/XXXX. 
Home prices have not corrected to the peak of XX/XX/XXXX. However, SPS has increased escrow taxes each year. I am being foreclosed on due to excess taxes. 

XX/XX/XXXX I received a letter from SPS in the middle of this exchange on property taxes. The letter increases the tax escrow for XX/XX/XXXX from approximately {$25000.00} and year to {$30000.00} for XX/XX/XXXX. Why? 

This increase was executed despite the current grievance and history of questions about the excess escrow. 

SPS is requested to provide the State of Georgia Attorney General and CFPB The rationale for increasing the tax escrow when SPS appraisal consultants have reduced the property valuation. 

There is a strong implication that this problem may warrant Class Action Litigation.
Consumer complaint received 2016-08-18
Product: Bank account or service — (CD) Certificate of deposit
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (GA)

My mom bought a certificate of deposit for {$800.00} on XXXX XXXX XXXX in her name and my name. She asked me to keep it safe. My mom passed away. I was looking through her papers and saw this certificate of deposit. The name of the Bank is Trust company Bank XXXX XXXX XXXX. This bank merged with Sun Trust Bank. So I approached them and showed the certificate of deposit and asked them how I can cash it. They checked with the records department and said they do not have any records prior to the year XXXX and that they can not help me. So I am filing a complaint against Sun Trust Bank. I would greatly appreciate your help in securing this money. Thank you very much. 
XXXX XXXX.
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CITIBANK, N.A. (CA)

Although my refinance should have been a 'slam dunk ', unnecessary delays due to both loan processor incompetence and physical paper handling ( vs. electronic workflow/e-documents ) made my experience a stressful nightmare. After closing, I continue to have questions regarding calculations used when paying-out my escrow account. I believe certain values appearing on my [ new ] HUD are inaccurate, and my numerous requests to get clarity from the " Escrow Department '' go ignored. I 'm opening this complaint after several rounds of " phone tag '' and ignored emails.
Consumer complaint received 2016-10-05
Product: Debt collection — Auto
Issue: Communication tactics — Called after sent written cease of comm
Company: ALLY FINANCIAL INC. (MD)

I 've Verbally requested that the Auto Loan company Ally Financial send All correspondence and communication in writing to my home address. Since I 've received at least XXXX harassing calls at my place of work which they have obtained thru public records. I 'm afraid if this continues I will be at risk of losing my job.