davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NV)

Nationstar mortgage has disrupted my credit because they state that in XX/XX/2015 I missed a payment. I never missed a payment. Between XX/XX/2015 and XX/XX/2015, my payment changed because Nationstar states that my loan went from an interest only loan to a principle and interest loan. I made my usual payment of {$3200.00} in XX/XX/2015. What I did not know is that Nationstar put that money into suspense and did not apply it to the loan because they do not accept partial payments. When I received my statement in XX/XX/2015, I noted the increase in required payment adjusted my payment accordingly. At the time, I was remodeling the home and I assumed that the increase in payment was to cover additional escrow because the taxes and insurance went up. I never thought any more of it and continued to make the new payment ; actually paying more than the required payment. ( This is a practice that I have always done with all of my loans ) Nationstar never notified me in writing, email, or by phone prior to XX/XX/2015 that my payment would be changing in XX/XX/2015. They state that they tried to contact me in the month of XXXX, but that my phone was disconnected. That would not seem plausible since, as a surgeon, I would never not have a working number. Even if they had tried to contact me, it would have made no difference because I already had corrected the payment. At the time, there was more than sufficient funds in escrow to cover the {$600.00} difference that they said that I owed, but they did not apply those funds. Instead they put the {$3200.00} into suspense and did not apply it to the loan. I never discovered any of this until I started the process of refinancing my home. Now, Nationstar says that they can not amend the report. This is disrupting my credit and making it difficult for me to refinance the home. At XXXX years old, I have never declared banckrupcy, short sold a home, or missed a payment in my life!! This is a mistake on Nationstar 's part that is affecting me. I find it hard to believe that they can not amend their report based upon all the evidence available. I think that this is fraudulent and shameful. Moreover, I believe that legally, Nationstar should have notified of the payment change. Had they done so, I would have adjusted my payment accordingly and this never would have happened.
Consumer complaint received 2015-11-10
Product: Debt collection — Credit card
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Nationwide Debt Management Solutions, LLC (VA)

On Monday XXXX XXXX 2015 at XXXX EST I returned a phone call from a debt collection company called Nationwide Debt Management Solutions . An employee from the company answered the phone who identified himself as XXXX. XXXX began to give me information regarding my debt and the reason for the phone call. XXXX asked me to provide him my personal financial information and where I worked. I declined to provide this information as I felt unsafe to do so without receiving written notice. 

Abruptly another male employee jumped on the phone identifying himself as XXXX XXXX, Collections Manager, and demanded I provide the information XXXX requested or they would n't be able " help me '' with making payments. He threatened me that he would tell his staff not to provide me payments if I did n't give him my personal information. XXXX went on to use abusive and aggressive language by demeaning me by in a hostile tone, " you know your financial situation. '' " If you do n't tell us the information we need to know then we wo n't be able to setup payments. '' The harassment continued on with his bullying tactics and trying to scare me while the other employee XXXX did nothing. 

This company has XXXX complaints filed with the XXXX. Someone needs to take serious corrective action against this man and his company. It is not the Wild West and if I am held accountable to a low credit score due to my personal financial situation then unprofessional and harassing collections agents need to be held accountable for their unprofessionalism and abuse.
Consumer complaint received 2024-09-04
Product: Debt collection — Other debt
Issue: Communication tactics — Frequent or repeated calls
Company: CCS Financial Services, Inc. (TX)

Today I called and they couldn't provide me with the original consumer agreement. I am writing to request a correction of the following information that appears on my [ XXXX, XXXX, XXXX ] consumer report : Dispute : U.S.C. 1692c ( c ) If a consumer notifies a debt collector in writing that the consumer refuses to pay the debt or that the consumer wishes the debt collector to cease further communications with the consumer. 
Will you please verify that the information reported is 100 % accurate and that you can fully verify it. Otherwise, will you please remove from my credit. I have attached a copy of my report with the accounts in question circled. 
Thank you for your assistance.
Consumer complaint received 2015-06-16
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: First National Collection Bureau, Inc. (WV)

I received a call for my mother on my cell phone from First National. I was asked to pass a message along to her and when asked if they were a debt collection agency, the account representative disclosed to me, a XXXX party, that he was. I work in debt collection for a very reputable company and know that his disclosure of his intent to me was a violation of FDCPA law.
Consumer complaint received 2019-08-14
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Specialized Loan Servicing Holdings LLC (TN)

XX/XX/19I set up auto pay online with my mortgage company to start XXXX and received an email confirmation and an on screen confirmation of the start date. I made an online payment XXXX for {$1200.00} to be current for XX/XX/XXXX's payment. 
XX/XX/19I received notice from my bank that an auto draft came out from my mortgage for {$1200.00} which was a duplicate payment as they were not authorized to start until XXXX. 
I contacted the company and made them aware of the situation of the draft in their error and asked for a refund as it put me in hardship as I am paycheck to paycheck. The customer support line said they would put in a request for refund and should occur within 7 days. 
I called for status updates and spoke with several supervisors who were of no assistance on when someone would look at my case. I requested the escalation team of which over a dozen phones calls nobody is able to give me with confidance anything is being done. The entire company is based off of email and all I keep getting is we emailed them with no updates. 
XX/XX/XXXXI finally was told that they would auto credit my account as that was how they took the funds. I didn't receive refund after 3 days and called back with it was mailed as paper check and now once I get it would be held by my bank for 10 day ensuring me that 7 days I would get the check. After 10 days with no funds I called the escalation team and they said we don't even know if it was mailed we will email someone ... .I was then told that they would request to stop payment and have someone overnight me a check again they would have to email someone nobody can call anyone or transfer all done by email to the dept XX/XX/XXXXcalled for updates daily and now I was told today that they re-issued a check and that dept didn't respond to the email the escalation dept sent and regular mailed my check ... ..still waiting and no assurance of my money they took without my permission. The customer support was unacceptable with no assurance that it would be handled. Everyone passed the buck to an email response. I used to be with XXXX XXXX and they sold us to Specialized Loan Services ... has been a horrible experience
Consumer complaint received 2024-08-30
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (FL)

These can be combined On my credit report, you have shown incorrect accounts that should not be there at all. This is not only unjust to me, but it's also concerning, because I've never done or made any of the things you accuse me of. If you don't look into these accounts, I'll take legal action against you.
Consumer complaint received 2016-03-30
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.
Consumer complaint received 2015-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RUSHMORE LOAN MANAGEMENT SERVICES LLC (MI)

My wife and I experienced financial difficulties in XXXX. We requested a loan modification from the servicer of our mortgage. Initially we were told that we had not submitted sufficient financial information. This was rectified within two days. Then the servicer lost the new information. Within a few weeks we were informed that the information had been found and that our request was being processed. Five months elapsed with regular contacts from us but no response to our modification request from the servicer. Then the loan was sold to another holder and the servicer was changed. The new servicer told us we would likely qualify for a modification, but that we would have to submit all new financial information, which we did. In response, we received a short sale offer. We protested that we were requesting a loan modification. Many months passed and then the servicer requested all new financial information, which we provided. Again many months passed and again we were offered a short sale. When we refused the short sale, the lender began a judicial foreclosure. After a few years in court, the judicial foreclosure was settled with a loan modification. XXXX parties waived any claims arising out of events prior to the settlement except as to the obligations identified in the Settlement Agreement. This took place in XX/XX/XXXX Since then we have made all required payments on time. Nonetheless XX/XX/XXXX, our mortgage statements began including the statement that we owed {$3300.00} as " recoverable advances ''. Neither this sum, nor the concept of " recoverable advances '' was mentioned in the Settlement Agreement. We have written to the servicer asking for an explanation of this charge. Our most recent request was on XXXX XXXX, XXXX. On XXXX XXXX, the servicer sent a reply stating that it would require additional time to review our inquiry but that a response would be forthcoming within 15 days. None has been received, and our most recent statement, dated XXXX/XXXX/XXXX still shows " recoverable advances '' of {$3300.00}.
Consumer complaint received 2016-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Since our income have increased considerably, we submited an Assistance Review Application request to XXXX ( XXXX ), the Mortgage Servicer of our loan with XXXX XXXX XXXX. While XXXX was in the midst of reviewing our Application, on XXXX XXXX, 2016, U.S. Bank National Association ( US Bank ) entered a Foreclosure Action against my wife and I and is pursuing it aggressively in Court, while we are proceeding in good faith with our request for relief and submitting additional documents that XXXX continues to request for their evaluation process. 
US Bank actions entering and actively pursuing this Foreclosure Action in Court against us to take possesion and sell our home of 17 years while our Request for Relief is being reviewed and considered goes against the policy of Loss Mitigation and Home Retention promoted by the USA Department of the Treasury, Controller of the Currency ( COC ). 
Thus, US Bank is in violation of the COC policy of Foreclosure Prevention that states that : " Well structured loss mitigation actions should focus on foreclusure prevention, which should tipically result in benefitting the borrower. ... .preference should be given to activities designed to keep the borrower in the home. '' US Bank entered this Foreclosure Action actively and agressively while we are procesing a foreclosure prevention action. US Bank policy is deceiving the banking practices it agreed to with the OCC, and must DISMISS its Foreclosure Action immediately to preserve the OCC Foreclosure Prevention policy.
Consumer complaint received 2016-02-08
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Experian Information Solutions Inc. (SC)

I was a student at XXXX XXXX XXXX from XX/XX/XXXX to XX/XX/XXXX. A school official applied for a XXXX Student Loan ( Private ) in my name providing an e signed loan application for {$21000.00}. The loan was obtained for the school period of XXXX XXXX to XXXX XXXX, a period for which I was not enrolled ( documentation provide by the school registrar ). I had no knowledge of the loan until learning that I had been turned over to a collection agency about a year ago. When I requested debt validation, the debt collection agency ( XXXX XXXX XXXX ) was only able to provide a copy of the loan application with no transcripts or master promissory note. All attempts to resolve have proven unsuccessful. With fraud report ( police ) and verification none of the partied involved will accept responsibility or liability for the actions of whomever applied for this loan. I have spoken to XXXX XXXX the loan servicer, XXXX XXXX XXXX ( the current collections ), and a representative of XXXX XXXX XXXX XXXX SC . XXXX XXXX XXXX reported to me after submitting the requested documents ( certified ) via phone conversation that my case was " special '' and had been referred back to XXXX XXXX. The representative from XXXX further advised me that XXXX XXXX was not bound by any regulations to respond in a timely manner " they could take as long as they want '' but they " XXXX XXXX XXXX '' would continue to report to bureaus. All have parties have been provided with documentation as well as XXXX, XXXX, and Experian. Despite the preponderance of evidence of fraud, they continue to report, refuse to update/remove, and will not offer resolution to matter.
Consumer complaint received 2015-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (PA)

I recently received an unsolicited letter from Quicken Loans notifying me that I was " prequalified '' for a {$99000.00} 15-year loan to refinance my current mortgage ( actually a HELOC ) at a rate of 3.125 %. I called Quicken and asked how it was determined that I was prequalified, and the representative I spoke to said she did not know. When I gave her preliminary financial information, she said I was not eligible for that " product '' but was a good candidate for a 30-year loan at a rate over 4 %. I agreed to apply and authorized a {$100.00} charge on my credit card for a deposit on an appraisal. As I hacked my way through the insanely detailed application process, Quicken updated me, demanding ever-increasing documentation and telling me that I would have to close out my credit card accounts in order to bring my debt-to-income ratio to acceptable levels. Declining to cancel my XXXX credit cards, on XXXX XXXX I withdrew the mortgage application. When a local appraiser engaged by Quicken called me to schedule an appraisal, I informed him that I had withdrawn the application. However, Quicken charged my credit card {$390.00} for the appraisal. A " customer relations '' person at Quicken told me, after I withdrew the application, that he would look into the appraisal charge. But I have not received a credit. It seems that, after doing a bait-and-switch marketing ploy, QL hounds people to apply for loans on less generous terms. It does not inform applicants that they must close out current debts to meet XXXX and XXXX standards, since that would defeat the whole purpose of refinancing. ( This may be beside the point, but my credit card debt is not large or suspicious. XXXX of the cards is at zero percent interest, so I have no incentive to pay it off ; the other I pay in full every month, as I have for 20 years. My quarrel here is probably not with Quicken but with XXXX and XXXX. ) Most important -- and this is a separate problem that 's flat-out illegal -- QL levies unauthorized charges for appraisals not performed.
Consumer complaint received 2019-08-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: BBVA FINANCIAL CORPORATION (TX)

I been banking with BBVA for a few months and they wonderful for the most part. I have tried to take out personal loan, refinance my car as well as signature loan and have been refused in all areas. Im also going thru hardship especially mentally the VA has diagnosed my person having XXXX and XXXX. Im with a law firm that has ensured that the 20 plus years the military and VA have intentionally under diagnosed and not treated many of my health issues till this day but justice and fairness will prevail. I am plagued by years of medical bills and my ability to manage my finances tend to suffer. I have lots XXXX in thinking there alwsys better options and not trusting others are acting in my best interest after the fact which then makes me question them and myself and then seek better options. I feel when this banking offer for overdraft which I originally denied due being in a better mental state but now my XXXX was intense due to VA has delayed in providing my medical records to my law firm and it seems my finances were spinning out of control! I struggled but took my chances that everything will work out. This fees that accumulated during this 1st episode totaled to about {$970.00}. Now the 1st my deposit of XXXX was less than {$2000.00} and I paid what I could plus the automatic payments occurred then I was looking at deficit since I had other bills that couldnt be met. I went to taking chances to increase my funds since my bank wouldnt extend a loan but great at removing the funds from my account. The overdraft would cover a certain amount but each transaction would cost {$38.00} and if the amount is still in the negative after 7 days the bank will charge another {$28.00}. So an overdraft withdrawal of {$100.00} XXXX XXXX. Now if that amount isnt paid in full by 7 days later another XXXX is then added. In my state Im thinking next day the VA and my law firm will come up with a resolution and these fees will be no issue but unfortunately that not the case. I now feel I am being preyed on for their financial gain. The VA is already holding my meds and stopped my travel pay plus this ....
Consumer complaint received 2019-08-15
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: Mr. Cooper Group Inc. (TN)

Received trial modification agreement from Mr. Cooper made 2 trial payments to Mr. Cooper, last payment was made on line per their written instructions. The payment posted to my account on Mr. Cooper website but the funds were not withdrawn from my account. Mr. Cooper sent me a letter canceling the modification trial period stating I defaulted on my payments. I was instructed to resubmit the modification request to stop the foreclosure sale of my home. The mortgage modification request has been submitted per Mr. Cooper. Mr. Cooper has collected funds for the trial but you are trying to foreclose on my home. XX/XX/XXXX, XXXXSpoke with XXXX, Ext # : XXXX with Mr. Cooper, I advised that I was calling to inquire about trial payments because payments were still in my account. He stated that Mr. Copper system show I paid for XXXX, XXXX and they were waiting on XXXX,. He's not sure what Mrs. XXXX was looking at but they have received her trial payments Please Help
Consumer complaint received 2017-02-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: General Motors Financial Company, Inc. (GA)

I purchased a new vehicle in XXXX XXXX and financed the vehicle thru GM Financial The term of the loan was 72 months ending in XXXX XXXX. 
Twice during the contract period I was slow in making the monthly payment due on the XXXX of the month originally. But was paid not more than 10 days from the monthly due date of the XXXX. 
GM Financial Informed me that I could skip that month 's payment by just paying $ XXXX for that affected month and a additional month would be added to the original 72 months. I agreed to this proposal and for that month I only paid $ XXXX instead of the contracted amount. GM Financial changed my due date from the XXXX to the XXXX of each month. Later I was slow in making the monthly payment on the XXXX, but the amount due was was paid within 10 days of the monthly due date. GM Financial again advised me that by paying $ XXXX for the affected month, I could defer the full monthly payment to the end of the 72 month period. However GM Financial added XXXX additional months to the 72 month contract for XXXX instances of making the monthly payment XXXX or less days from the scheduled monthly due date. GM Financial is requesting a final ballon payment in excess of the monthly due amount. Thus 72 months became XXXX 78 months despite no payment was ever late or more than 9 days from the due date.