davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-29
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (GA)

For two years creditors nor myself have been able to access my credit report which has cause multiple issues with obtaining credit, these were not because of what is in the report but a lack of access. I have tried numerous times to get this resolved with Equifax to no avail. As a recently XXXX person this is affecting my life in negative manner and I need help as Equifax just does n't seem to care. also I have no issues with XXXX or XXXX
Consumer complaint received 2016-03-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: AES/PHEAA (MI)

a few years ago I had went to college and had gotten through with student loans. I had moved a few times as student loans came due and had missed ONE payment. Once I had realized the payments were due I started paying them faithfully every single month after that one was late I have never been late since. I pay one payment a month for my student loans, the one I was late on they reported NINE times and has ruined my credit. Its not fair to report a one time payment nine separate times. I have spoken to both fed loans and the ombudsman group and have gotten no where. I would understand one late payment on my report but not nine. I would recommend them to no one it truly will wreck someone 's life as it has mine. This is holding me back from buying my family a home.
Consumer complaint received 2018-07-19
Product: Credit card or prepaid card — Payroll card
Issue: Problem with a purchase or transfer — Card company isn't resolving a dispute about a purchase or transfer
Company: First Data Corporation (TX)

XXXX XXXX is a prepaid card I received from my employer and since the day funds were placed on card I have had problems with card. Verified address and company had it misspelled although employer submitted correct address. Tried to do online order and it was declined because of address not matching. Called XXXX XXXX and was put on hold 21 minutes waiting for a supervisor. Their telephone disconnected when supervisor finally answered.Called backand was told it takes 3 business days for a pending transaction to drop off.4 business days pass and I call them and they tell me to call back tomorrow and check likemy life revolves around monitoring them to ensure they release it. If I was told 3 business days thats what it should be.The transactions on hold are one thats been submitted several times to receive an approval.So they have been holding {$200.00} since it was deposited.
Consumer complaint received 2016-08-12
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: EMBRACE HOME LOANS (GA)

I was refinancing with the same company I started my original loan was with, which is Embrace Home Loans. during my refinancing process the loan officer assured me with a signed contract that as long as my appraisal came back with at least {$100000.00} I can get up to {$13000.00} cash back and about {$3500.00} debt paid. needless to say, after paying {$500.00} for an appraisal that came back at {$110000.00} the refinance is not going through. per my current loan officer ( XXXX XXXX ), the {$5000.00} that I received for down payment assistance through XXXX has to be paid back. this was n't informed at the sign of my original loan nor did my current loan officer know this either. he said to me, " all the loans he has seen in the past those loans have been forgiven after 5 years ''. therefore, he told me to call and check on it. of course, XXXX states i owe the money. Now, there 's a {$2000.00} modification lien i did in 2014 that according to my loan officer denies me from refinancing for 3 years and 1 day ( it 's a hud modification ). I 'm not sure, I 'm in the process of getting those papers. my complaint at this time is the fact that i was told to pay {$500.00} for an appraisal without the loan officer looking though my paperwork thorough because he wanted to close early over efficiently. what i want is a refund of my {$500.00}. i was trying to refinance to get out of debt, now I 'm {$500.00} more in debt. i ca n't afford my current mortgage and all the extra bills that come with. I 'm tired and i need help! please!
Consumer complaint received 2015-11-27
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Focus Holding Company (IL)

My business receives calls from this company multiple times a day. If I decide to pick and actually reach a human ( rather than dead air like 90 % of the time ), I am offered no information, but am informed that the number will be " removed from their list. '' Yet the continue to call.
Consumer complaint received 2016-01-06
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: SUNTRUST BANKS, INC. (DC)

cfpb compliant # XXXX Sometime in 2015 a so call, friend, XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX , Maryland XXXX, ( XXXX ) XXXX illegally and without my authorization apparently withdrew over {$40000.00} from my SunTrust checking account. SunTrust bank allowed this to happen and refused to investigate after my repeated request to do so. Another friend and neighbor, XXXX XXXX on my behalf went to SunTrust Bank several times and requested that they investigate the theft of my funds. I requested SunTrust to forward my checking account statement including copies of all withdrawals. They refused to do so. At no time knowingly did I give XXXX XXXX a financial power of attorney to make withdrawals from my bank account.
Consumer complaint received 2015-04-30
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: United Group Inc. (NV)

From. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Cell : XXXX : The Consumer Financial Protection XXXX XXXX DCXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX service connected post XXXX and XXXX XXXX veteran of the XXXX XXXX and XXXX XXXX XXXX XXXX a XXXX Mersades Benz e320 XXXX door coupe XXXX of XXXX from XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Nevada for {$6000.00} and the vehicle was financed through United Finance located at XXXX XXXX XXXX XXXX XXXX XXXX Nevada XXXX Their telephone number is : XXXX. The car broke down because the fan belt came off and the hose ruptured while I was on the freeway and at the time I was not a XXXX service connected veteran, so I had to miss a payment or XXXX to get this car fixed which I had to pay {$720.00} out of my own pocket. When I tried to explain this to the United Finance Company they acted like they did n't care and started charging me as I discovered today {$4.00} per day in intrest or 35 % intrest and when I started writing them post dated checks via XXXX XXXX bank for {$310.00} per month and I found out today XXXX from United Finance when I called them that I have only been paying on the daily intrest and very little has been going toward the principal of my loan. No wonder I still owe {$5100.00} after I have had this car over 11 months and the car broke down again on me XXXX more times and I had to spend another {$790.00} plus another {$2700.00} to keep it running. I am just being screwed all the way around. I am a XXXX veteran on a fixed income and it is wrong by them especially all I was trying to do was re establish my credit so I could get me a new 2015 Chevy Impala from a respectable XXXX Dealer at a veterans discount. I cant even get out of this car or contract with the interst of a loan shark. I need your help in this. Thank you for your time. 
XXXX XXXX
Consumer complaint received 2016-08-12
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: U.S. BANCORP (TX)

Our mortgage is with US Bank. A bank that has no local branches in our area. they encourage paperless billing to reduce waste and have a more protected transaction. Our payment is due on the XXXX of the month and late after the XXXX. Initially if you set up an online payment that was processed between the XXXX of the month and the XXXX they charged a {$3.00} bank service fee. Now they are charging {$5.00} for any online payment after the XXXX of the month. As far as I know, these fees were not made aware to us when we received our mortgage and is it proper for them to charge a fee to pay your bill online, when it actually saves them money to have me pay online?
Consumer complaint received 2015-12-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: SUNTRUST BANKS, INC. (TN)

My bank account was charged XXXX overdraft fees when only one should have been charged. XXXX payments posted to the account on XXXX/XXXX/15. These were for {$94.00}, {$17.00}, and {$10.00}. However, Suntrust posted the largest payment first causing the account to go to - {$1.00}, and then proceeded to post the other XXXX payments. Because of this, XXXX overdraft fees were changed. If the smaller payments would have been posted first, only XXXX overdraft fee would have been charged. When contacted on XXXX and XXXX, the XXXX of the XXXX stated that it was there policy to post the largest payment first, even though it may cause extra overdraft fees to be charged. Additionally, they said it was their policy to only refund XXXX overdraft fee, which they did. This is an abusive policy that is only in place to inflect the maximum number of overdraft fees. They said it was so the most important thing will be paid, but if that was the case, the other items should not have been paid because the account was overdrawn. Suntrust should not be allowed to have a policy that is only in place to cause a significant number of overdraft fees when an account goes into the negative.
Consumer complaint received 2015-08-26
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Residential Credit Solutions, Inc. (CA)

XXXX XXXX XXXX was my former lender account # XXXX illegally transferred my loan toRCS who has done nothing but give us the run around for months requesting the same documents over and over again. On XXXX/XXXX/2015 we submitted a complete loan modification package to RCS and trailing documents on XXXX/XXXX/2015. The submissions were acknowledge by RCS in a letter dated XXXX XXXX, 2015. We continue to submit documentsverbally requested by RCS throughout XXXX 2015, we received a letter dated XXXX XXXX 2015, Notice of Default and Intent to Accelerate, please keep in mind there has been no decision on our pending application prior to the XXXX/XXXX/XXXX letter. We continued sending documents to RCS throughout XXXX 2015, which RCS acknowledge again in a letter dated XXXX/XXXX/2015. In a ambiguous letter dated XXXX/XXXX/2015 from RCS denying our loan modification without providing a reason or cause which is required under California Homeowners Bill of Rights, RCS is in violation. We strongly believe that XXXX XXXX XXXX purposely dumped our loan on to RCS is known for foreclosing and not loan modifications. The letters we have received from RCS are dubious at best, misleading and not providing a clear path to obtaining the mortgage we have sought so hard for.
Consumer complaint received 2015-10-24
Product: Prepaid card — General purpose card
Issue: Adding money — 
Company: Empowerment Ventures, LLC (AZ)

I have not recieved my deposit from XXXX, i was supposed to get it last Friday and as if today no deposiit. I have XXXX. I can not get my medication to XXXX. I am running out of electricity, no food. And all I get from Rushcard is we are working on it. What am i going to do. I am hoping i do not end up in the hospital.
Consumer complaint received 2016-02-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Residential Credit Solutions, Inc. (CA)

Complaint : Mortgage Servicers I find it necessary to file this dispute with your agency to protect my home mortgage from further abusive financial practices. 

My Chapter XXXX Bankruptcy Case was discharged, effective XXXX XXXX. In XXXX XXXX, under the plan, I made my final payment to the Bankruptcy Trustee, to pay the mortgage and after that paid the creditors mortgage service company. 

I paid the Creditor {$3100.00} ( Without Notice of Mortgage Change ) in XXXX. I paid {$1600.00} in XXXX upon recognizing a notice of mortgage change was not filed and that the service mortgage company was backdating payments. According to their records, I owed {$26.00}, XXXX to the Creditor. 

A review of my loan account showed that effective XXXX XXXX, the service mortgage company adjusted the monthly mortgage payment from {$1600.00} to {$3100.00}. I was nine months past due on payments of {$3100.00}. The service mortgage company applied my XXXX XXXX payment retroactively to XXXX XXXX. From what I could determine, the service mortgage company collected {$9300.00}, or roughly {$4400.00} over the mortgage payment of {$4900.00} authorized by the Bankruptcy plans. 

When I initially complained, the service mortgage company refused to listen and insisted on collecting the full amount, {$26000.00} in past due claims including {$2000.00} in miscellaneous fees. While demanding payment from me, the service mortgage company filed a Response to The Notice of Final Cure in Bankruptcy Court certifying that my loan account was current. 

When presented with filing, the service mortgage company removed a substantial portion of the claim and filed a Notice of Mortgage Change, effective XXXX XXXX, XXXX, of {$3100.00}. The service mortgage company 's transaction history indicates receipt of {$3100.00} payment on XXXX XXXX, XXXX. Additionally, service mortgage company transferred the loan to a new mortgage servicer with instruction to me to make all future payments to the new servicers effective XXXX XXXX. 

I paid the new servicer {$3100.00} on XXXX XXXX, XXXX, for the mortgage payment due XXXX XXXX. After that, I received notice from new servicer about an outstanding claim from the old service mortgage company for the XXXX XXXX payment. I filed a dispute with new service mortgage company in response. The new servicer applied my payment to the old servicer 's claim and demanded XXXX and XXXX XXXX payments. The new servicer advised me that the answer to my dispute could take up to 45 days. 

When making the XXXX payment, I spoke to new servicer 's agent, who acknowledged receipt of my dispute, confirmed mailing address and indicated that a late payment fee did not apply to this payment
Consumer complaint received 2015-07-08
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (FL)

In XXXX XXXX, I stopped paying my mortgage because I could no longer afford to pay the monthly mortgage payments. I attempted to negotiate the terms of my loan, but the bank refused to lower my monthly payments and the principal balance of the loan. I hired an attorney in which he was not able to lower my monthly payments nor the principle balance with XXXX XXXX. According to Nationstar the current loan servicer, XXXX XXXX did not participate in loan reductions for struggling homeowners and as a result I had to reluctantly agree to a loan modification or risk losing my home to forclosure. I was a victim of a predatory loan when I purchased a was approved for a second mortgage to remodel my home in XX/XX/XXXX which caused me to fall behind on my monthly mortgage payments. The loan was originated by XXXX, sold to XXXX XXXX XXXX and then sold to XXXX XXXX. In addition, the loan was serviced by XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, and the loan is currently being serviced by Nationstar Loan Servicing. As of XXXX/XXXX/XXXX, my principle balance has nearly XXXX from XXXX dollars to XXXX and my monthly mortgage payments have remained relatively the same despite the loan modification. My home is currently valued at approx. XXXX dollars and unfortunately I will be forced to leave my home due to the bank 's refusal to negotiate in good faith. 

Note ; The copies and documents regarding this matter will be submitted via fax or US mail upon your request.
Consumer complaint received 2016-07-26
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: GULF COAST COLLECTION BUREAU, INC. (FL)

I have asked Gulf Coast Collection to validate a collection they are reporting on my credit reports on XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. Nor have they supplied anything other than a statement on XXXX of the collections. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.
Consumer complaint received 2016-04-18
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PENNYMAC LOAN SERVICES, LLC. (AR)

I have disputed with Penny Mac loan services on a mortgage note that was in mine and my ex husband name. We divorced in XXXX and I have legal documents per my divorce decree that my ex husband was awarded the house and I would be held harmless from all the debt. My ex husband was in the process of selling the house at the end of XXXX and he did not make the last XXXX pmts making him 60 days late. Now it is showing on my credit. That was not my dept and I should not be liable. I was paying my own rent on time. I have no missed payments on my credit. I would like for PennyMac to remove this issue. I have made a dispute with them and they have denied my dispute. I can not get a loan from any XXXX because it looks like that this is my debt and clearly is not. 
Please help.
Consumer complaint received 2015-06-10
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (NJ)

In XXXX, I took a job at a XXXX in the XXXX, and we started renting our house in XXXX, TN. After the XXXX and XXXX mortgages reset from interest only to conventional loans in XXXX of XXXX, We started struggling to make payments on both our XXXX and XXXX mortgages with SunTrust Bank because the rent did n't cover the payments. We attempted a loan modification on XXXX separate occasions, but were denied each and every time. Each month, we sent as much as we could towards the mortgages, but continued to fall behind. Finally, we got caught up and current on the XXXX mortgage, and called today to pay over {$2000.00} in order to get current on the XXXX mortgage. Much to my shock, I was told that the XXXX mortgage was charged off on Monday ( XXXX/XXXX/XXXX )! I asked how this was possible because SunTrust has been accepting my automatic payments each month and, in fact, accepted a {$500.00} automatic payment just yesterday?! I asked how they could charge off a mortgage with no formal notification whatsoever?! The SunTrust representative told me that letters were mailed out in XXXX and XXXX of XXXX notifying me that a charge-off was possible, and I explained that I never received anything. I asked if the letters were sent certified mail. She said they had not. Then, I asked her where the letters were sent, and she gave my address for a residence that is 2 years old!! I asked her how it is possible that SunTrust has been sending statements to my correct address, but not the letters threatening to charge-off my XXXX mortgage?! She told me the home retention department did not have my current address, despite the fact that I provided SunTrust Bank with my current mailing address in XXXX of XXXX when I agreed to the terms of the mortgage resetting from an interest only to a conventional loan and despite the fact that I made XXXX separate applications for loan modification using my current address since XXXX of XXXX. So, SunTrust Bank has charged-off my XXXX mortgage without properly notifying me, and the bank refuses to accept the amount past due to bring the mortgage current because I am tried to bring the loan current 2 business days past a deadline that I did n't even know existed because non-certified letters were being sent to an address where I have not lived for 2 years! All I am asking is that SunTrust acknowledge their inadequate communication, and treat this matter like it was XXXX/XXXX/XXXX by accepting my past due amount on the XXXX mortgage to bring it current and reinstating the loan so that I can continue to make regular monthly payments ( because the rent now covers both the XXXX and XXXX mortgages ). I hope you can bring some common sense into this situation. Thank you.
Consumer complaint received 2015-06-17
Product: Debt collection — Payday loan
Issue: Communication tactics — Frequent or repeated calls
Company: Essential Retrieval Group (MI)

I spoke with the rep XXXX and informed him this was my work # he was calling and indicated I recorded the conversation asking him not to call the work #. He said that wont happen and hung up on me. I also forwarded a text message to the # he called from which is the same # calling my job now everday. I have those calls and message saved even though it is an automated call. It has been over XXXX times now.
Consumer complaint received 2015-06-08
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: U.S. BANCORP (CA)

On XXXX XXXX XXXX, 2015 I tried to initiate a payoff of my Auto Loan on US Bank website. I entered the amount in the box on the bottom that said " other amount ''. I entered the entire payoff of my vehicle along with my banking information and clicked " submit ''. I was met with a screen that said " unable to process your request online, Please call ''. I called the XXXX number to speak with a representative. They advised me that such a large payment ( approx. {$25000.00} ) could not be paid online and that I would have to mail them a check. She provided me with the address and I sent them a check. Well Monday XXXX XXXX, 2015 comes around and I check my banking statement. Low and behold that payment that I attempted to make online XXXX/XXXX/2015 was processed and taken from my bank account. US Bank online banking webpage never gave me a confirmation number or indication that a payment was accepted. That fact that the only thing the US Bank website told me was " unable to process your request online, please call '' tells me that the payment was not made. US Bank website does not offer a way to view pending payments made online, no email notifications are sent, and their is no way to cancel a payment you have made online even before it is processed. Since I sent a check through my XXXX XXXX account online bill pay that was delivered XXXX XXXX, 2015 my account was overdrawn due to the lack of information on US Bank website advising me a payment was processed when the fact is that its website clearly told me it was unable to process my payment. I have encountered fees for payments that could not clear due to the incompetent website US Bank provides its customers.