davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-10-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I have a lawsuit against SPS Inc. ( Select Portfolio Servicing ) for predatory lending, I have been trying to get a fair loan modification and have been unsuccessful. In XX/XX/XXXX I submitted XXXX requests for loan modification TO SPS and was turned down each time. Then I hired an attorney who found fraudulent conduct on the part of XXXX ( original lender ), XXXX and SPS ( who now services the loan. When my lawyer filed the lawsuit, I suddenly received a trial loan modification from SPS, but it was very vague and was not a good deal. And I refused it. I had already suffered at the hands of XXXX with many lies and fraudulent behavior. In XX/XX/XXXX I was in foreclosure and XXXX told me if I could start making payments each month plus extra to catch up my past due payments, I would be okay. In a 5 month period I paid XXXX {$17000.00}. On the 6th month when I went in to make my payment, I was told they could not accept my payment because I was in foreclosure. I was in total shock! From that point on I did not trust anything they told me. Then my loan was " sold '' to SPS. When I called they said they were servicing the loan for XXXX. I did not accept the SPS modification as I did not trust them. There was nothing guaranteeing they would adjust my interest or principal. There were all kinds of late fees, etc added onto my loan balance. SPS. I was paying a lawyer every month to work this out for me ... but to no avail. My house is now scheduled for Trustee Sale on XX/XX/XXXX. I DO NOT want to lose my home. I am at a loss and do n't know what to do. PLEASE HELP ME!
Consumer complaint received 2016-10-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Receivables Performance Management, LLC (TX)

this creditor refused to validate this account .This account have been sold to diffrent collection agencies witch I am trying to make sure the information is validate with the proper documentation and also get original contract showing this is my account because I am not aware of this account. This is a collection agencies that I never had a contact with.
Consumer complaint received 2016-05-27
Product: Mortgage — Other mortgage
Issue: Credit decision / Underwriting — 
Company: Academy Mortgage Corporation (TX)

We submitted a refi application to Academy Mortgage in XXXX, Texas the beginning of XXXX 2016. To date, the company STILL CAN NOT give us a closing date and said the appraisal company is not being responsive. It has been almost 90 days ... .90 DAYS! As of this writing no one at the mortgage company will give us any information on when. They have had our information all this time, and each month we keep submitting updated statements, payroll stubs and the same paperwork as the original. It 's like they lose it and start all over again each month. All the assistant there is saying now is it is held up in appraisal department. Two appraisals have been done, one wrong and the second right but they have had the last one for nearly a month. The first one was done completely wrong and it took over nearly a month from the time it was ordered to get one done and back to the mortgage company. So they had to order another one. And the second one took two weeks to get to the mortgage company and as of this writing they are still asking the appraiser for more information. Something is wrong because now we can not now get any answers from the mortgage company as to what is really going on or a closing date ... .NOTHING! We were told by the mortgage company a month ago it was already conditionally approved and it was in underwriting. But again no closing date is being given and the story is changing. This is bad. Please Help!
Consumer complaint received 2016-06-05
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (TX)

The account XXXX for XXXX Address : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX GA XXXX : phone ( XXXX ) XXXX is reporting as a re aged account. The original creditor account was closed in XXXX of 2008. It 's over XXXX yes old
Consumer complaint received 2016-09-01
Product: Debt collection — Federal student loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: United Student Aid (USA) Funds (GA)

I received a presentment from the US Dept of Education stating that the debt was not paid. I have never paid US Dept of Education directly except for the last 2 years of income that they took without notice. The previous load servicer had garnished my wages for 5+ years until I asked them to verify the debt. They were not able to verify the debt and they sold the debt to the US Dept of Education. These tactics are in violation of the FDCPA.
Consumer complaint received 2016-07-05
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Specialized Loan Servicing Holdings LLC (NY)

Hello, My name is XXXX and XXXX XXXX. This is most likely the 4-5th complaint against my mortgage company SLS. I just recently placed a case against them last week and here is another. I was in another short sale offer for the sale of my home for the past XXXX months. Recently-XXXXdays ago SLS called me aking for the FUNDING PROOF OF THE BUYER to be sent to them for review. I stated that it was my lawyer that they should be calling but I would contact them to request that inwhich I did that day. My lawyer in turn replyed and said she got that sent that day also to SLS and even asked them if anything else was needed. They said that was all they needed to proceed. 

Today I received an e-mail from SLS stating that my short sale was denied because of buyer funding proof and untimely grounds!!!! I e-mailed lawyer to explain. She stated she sent it XXXX days ago as requested and they received it. 

SLS is full of XXXX what gives them the right to even stay in business!!! They have really really really done a job on us!!! 

Why am I stuck with them and how do I press charges against them for neglect on our XXXXx in a YEAR SHORT SALE DENIAL!!! How do I get JUSTICE? Who do I call? I need to take serious action!!!!!!!!!!!!!!! XXXX
Consumer complaint received 2016-05-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Check Security Associates, LLC (CA)

XXXX @ Phone : XXXX Fax : XXXX Email : XXXX is trying to collect on a debt that i owe. I sent them a message that im willing to pay at the end of this month but 3 times requested that they do not contact me at work. Just this morning i was contacted and threatened that they would come to my work.I do not like that harrasment they are causing me by calling my work, especially after i repeatedly have asked them not to.
Consumer complaint received 2016-12-06
Product: Debt collection — Payday loan
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Ad Astra Recovery Services Inc (TX)

Company continues to refuse to send me information which validates that this is my debt that I signed for. They continue to mail me XXXX documents ' stating that there is a account, but no other information is provided. When I pointed this out and pushed for validation of debt, they ignored me blatantly and tried to get me to file a police report citing fraud and identity theft, ignoring my request for validation. They are ignoring my right to validate my debt.
Consumer complaint received 2016-11-02
Product: Credit reporting — 
Issue: Credit reporting company's investigation — Investigation took too long
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MD)

I did a dispute on XXXX XXXX and I was told that it would take 30 days. 
I did another dispute on a totally different item on XXXX/XXXX/2016. I am now being told that the XXXX XXXX dispute will not be completed until XXXX/XXXX/2016 because they received another dispute during that time. This is unacceptable. The FCRA says that the CRA have 30 days to complete an investigation. If they can not complete this by XXXX/XXXX/2016, they should delete it. Enclose is the statement where they said it would be completed on XXXX/XXXX/2016.
Consumer complaint received 2016-03-08
Product: Debt collection — I do not know
Issue: False statements or representation — Impersonated an attorney or official
Company: Curtwright & Klein, LLC (NY)

The continuously call me at work, which connects you to an IVR that states, " I 'm calling in regards to an issue very recently filed within our office involving your name and social security number ''. Either hit " XXXX '' or call XXXX to speak to a representative. I hit " XXXX '' and a rep came stating he was an attorney and needs to verify my name and social security number. I refuse and ask what it 's all about. The gentleman at the other ends becomes belligerent and threatens to sue if I do n't clear up the matter at hand. Yet he does n't state what it 's about unless I give my name and ss #. The caller ID shows either XXXX or XXXX, which is a spoofed phone number. XXXX the XXXX number shows it 's a collection agency.
Consumer complaint received 2017-02-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (NE)

My name is XXXX XXXX XXXX, Today I pulled my credit while applying for a new home loan, and found that XXXX was reporting me with an account in collections. I live and have lived at XXXX XXXX XXXX XXXX XXXX XXXX XXXX for the past 15 years. I was told that this account was set up at an address of XXXX XXXX XXXX XXXX XXXX. This account was set up under the phone number XXXX. That is not my address nor my phone number, I called the collections company and dealt with XXXX different people that all told me that I should just pay it. On the 6th attempt I talked to a lady who said she would get it added to the fraud list, but I am not confident that happened. I then called XXXX, the first person I talked to said to pay it and then he could transfer the service to my new address of the home I am trying to purchase. I called back a second time and talked to XXXX in financial services who said there was nothing he could do to help me, but told me that I could just pay it and get new services started at my new address. I have never had a property in XXXX nor am I going to pay a bill for services that I never had. The third time I called back I talked to a lady that said she would be able to put the account in fraud status but was n't confident that it would go through because I did n't know some account code number that I would 've received when starting the account, which of course I did n't so I would n't have the number. I feel like I am getting the runaround from XXXX and stellar recoveries and no one will help me, and now my credit is affected and I am not able to close on my house per the original agreement. My closing is now in limbo till this problem gets resolved. Fraudulant account address : XXXX XXXX Acct/Phone number XXXX
Consumer complaint received 2016-11-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (GA)

I filed a dispute with Chexsystems over a month and a half ago. I have been expecting to hear from them or receive a letter regarding my dispute. I have n't received anything from them. I just got off the phone with them and they said that there is no record of my disputes at all, which is a lie. I sent them the disputes via certified mail. They have information on my report that does n't belong to me at all. I want the information removed due to the fact that they have blatantly disregarded my dispute and ignored it like it was going to go away. I have attached the final letter that I mailed to them today. They have 30 days to remove the items off of my report or I will take them to court.
Consumer complaint received 2015-11-30
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: COMMUNITY CHOICE FINANCIAL, INC. (TX)

Lenders charge caused bank charges and overdraft ... after I ran into difficulty making my full payment due to my Daughter being ill..Every two weeks when I got payed I called and made arrangements to pay down balance on loan..which I have been doing since XXXX ... but at the middle of the week before my pay day..an unauthorized draft was sent to my bank ...
Consumer complaint received 2016-07-27
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Financial Management Solutions, LLC (MD)

The item is FMS ( Premiere Property ), it should never have been listed for the following reason : A ) It is illegal in the state of Maryland for judgments to be placed on credit reports unless the money judgement box is checked, B ) The amount on my credit report is {$9000.00} but the judgement amount was {$4100.00} C ) I filed an appeal to vacate it and it was granted and D ) By law credit bureaus are supposed to delete inaccurate information and by no means should those accounts still be listed after I provided substantial proof. My next step will to file a lawsuit against XXXX if they keep refusing to delete the items and intentionally disobeying the mandated laws that are suppose to protect consumers. There is no way the credit bureau nor collection agency validated this because if so it would of been removed due to the erroneous errors. How could it been validated as correct if the amount itself is wrong and every error that was pointed out with proof to substantiate my claim?
Consumer complaint received 2016-04-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ascension Recovery Management (CA)

I had a car impounded that was not in my possession on XXXX/XXXX/XXXX by XXXX and towed by XXXX XXXX and was not notified of the impound by XXXX XXXX. Everyday the car is held there is {$33.00} in storage fees assessed. The first notice received was from the DMV for a lien sale 84 days later with incorrect fee information at {$230.00} and no tow date to verify the fee was correct. At that point had racked up almost $ XXXX in fees. Since then the car has been sold and the balance that was left after applying what the car sold for was sent to collections in the amount of {$2100.00}. 

I sent Ascension Recovery Management a letter via fax on XXXX/XXXX/XXXX disputing the debt on the grounds that I was never notified by the original creditor XXXX XXXX that they had the car impounded and was only notified by the DMV almost 3 months later. 

I received a call back within the hour from someone that worked for Ascension who quickly escalated the call to XXXX, a supervisor. XXXX stated that she could validate the debt by what was required by law by CRA Debt Validation form but would not do anything more beyond that. I asked for a copy of the original letter of notification from XXXX XXXX letting me know that they had my car impounded. She said that she does not have a copy of that and believes XXXX XXXX does not have a copy of it either. I spoke to XXXX XXXX in the previous month and they did state that they in fact do not have a copy of the letter I am requesting. The reason I am asking for a copy of this letter is because I am suspecting that it was sent incorrectly to the address the car was previously registered to. When I spoke to XXXX, she confirmed the number on file was the phone number attached to the old address, not what I had updated the DMV with on XXXX/XXXX/XXXX. 
I tried to reason with XXXX letting her know that what I wanted was a copy of the original letter notifying me that the car was impounded with XXXX XXXX near the date of impound as required by law. With that letter we can validate the debt to being mine and correct. If I received this letter I would not dispute the collection. XXXX stated that they would not send me a copy of this letter nor would they remove this collection from my credit report. She said I had to wait for the collection to go away on its own ( which it will in a few months ) She got frustrated going in circles with me so she said " had a good day '' a few times and hung on me. I come from a customer service background and hanging up on a customer is not an appropriate response to conflict. I could understand a hang up if I was being rude or disrespectful. I felt like she was treating me like I was making a frivolous request, especially after she hung up on me.
Consumer complaint received 2015-06-16
Product: Credit card — 
Issue: Transaction issue — 
Company: SYNCHRONY FINANCIAL (MI)

On XXXX XXXX 2015, I made XXXX payments of {$100.00} each from XXXX separate accounts. XXXX of the transaction was withdrawn from XXXX of my bank accounts. I have statements proving the {$100.00} withdrawn that I had faxed to them But my statement from synchrony bank shows that XXXX transactions were reversed. At this point synchrony bank is not willing to give me the credit despite me making the payment. I have called them several times trying to resolve this issue but have gotten nowhere with them.
Consumer complaint received 2016-11-24
Product: Credit card — 
Issue: Payoff process — 
Company: SYNCHRONY FINANCIAL (CA)

My XXXX suggested I use Credit Care/Synchrony Financial for a couple of root canals since I could not afford it on my own. CC gave me a whole year to pay monthly at 0 % APR yet, then after that year the APR would increase to 26.99 % APR. Within that first year ( XX/XX/XXXX ) I paid {$1600.00}. But, when the year was over ( XX/XX/XXXX ) CC added back the amount I had paid along with the 26.99 % APR. I have never had that happen to me before with any other credit card, that when the promotional rate is over, your hard earned payments during that time are added back to the card! I talked to several customer service reps saying that this is how they handle all accounts if they have not paid in full during the promo time. I find this abusive to the consumer and unjust. I now have to not only pay the {$1600.00} all over again but with an additional 26.99 % APR. This is just downright consumer abuse.
Consumer complaint received 2015-10-05
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (GA)

Inaccurate information report to FHA on an account that is not mine. I 'm contacting you in reference to XXXX XXXX XXXX XXXX, XXXX, Georgia XXXX. My exhusband was awarded this property in our divorce. He did not refinance the house out of my name so I was filed for a Chapter XXXX in XXXX, quitclaimed the property to him and divested all interests in the property. Apparently in XXXX my ex let the proper go via foreclosure and a deed in lieu was signed by him and recorded in XXXX XXXX. I purchased a new home in XXXX and last month I attempted to refinance my home and was told by the lender that an alert was placed in the FHA XXXX system stating that I had a property foreclosed on and that it made me unavailable to refinance under FHA for 3 years. This property belonged to my ex and I should in no way be harmed behind it. I was told I 'm held liable too but that its impossible as I did not sign off on the deed in lieu of foreclosure therefore invalidating the deed. I was told I did n't have to sign papers since the property was given to my ex in the divorce. It can be XXXX statues to adhere to. Either its mine too or its not. If my signature was needed and was never obtained then the deed in lieu is not valid. I ca n't be penalized with him along with his property as it is not mine. I want Bayview to send information to FHA XXXX and have the erroneous information deleted from my profile.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP (CA)

I have been approved by Sebonic financial to purchase a home as my primary residential and based on the lender 's requirements I started searching and made an offer on a home, the offer got accepted and we have inspection contingency removed now after 19 days they first asked me for {$470.00} for appraisal fee, after paying the appraisal fee they came up with a new requirement to provide 6 months of reserves of payment while they were aware of all my bank accounts and assets from the very beginning of pre approval process and they knew I can not provide 6 months of reserves. Now they disapproved my loan causing me to lose other opportunities on other homes, and spending {$1000.00} on inspection and appraisal. 
I can say they were underestimating every piece of information at the beginning to just make us proceed the work with them. Fortunately I have all the emails and documents they have sent me which show they were not providing the correct information.
Consumer complaint received 2016-10-14
Product: Bank account or service — Other bank product/service
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (AZ)

Yesterday I started receiving emails from Wells Fargo Online stating I needed to sign into my online account to receive updated disclosure information. I received over XXXX emails but the link and last XXXX digits of the account number on the emails were not mine. I called and talked to their technical support and was told they could n't do anything last night as everyone had gone home. Meanwhile emails continue to come in maxing out my primary email address and then filtering into my back up one. The agent said they would look into it and get back to me. After numerous calls today, I was told it was an error and they could n't stop the emails and I would need to delete them all or filter them out. Since they were all received emails there was no way for me to filter them. I called my internet service provider but no luck, Meanwhile Wells Fargo did nothing to reassure me this was not a security breach and no one had my email addresses and information. They offered no compensation for my time and time spent removing these thousands of emails XXXX at a time. I also stated I was concerned as the customers who did not get these notifications but it did n't seem to be a worry for them.