davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-02-28
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: PNC Bank N.A. (NC)

In XX/XX/2010, we completed a short-sale on a home we had financed with PNC Mortgage. I am enclosing a copy of the HUD-1 from the mortgage settlement. Despite the fact that this occurred over 7 years ago, PNC Mortgage continues to report this mortgage and a balance owed. This is a violation of the Fair Credit Reporting Act.
Consumer complaint received 2015-09-14
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

We had our house for sale for almost 2 years. Starting at {$500000.00} lowered it many times finally got an offer for {$39000.00} cash. Which our Realtor talked us out of taking. We finally ran out of money and put it up for a short sale. B of A was our lender so we figured we could get {$10000.00} in relocation money. Well into the process they say well we sold your loan to XXXX without your knowledge and they have their own program for {$3000.00} we complained were told nothing we could do about it. The loan was to close on the XXXX of XXXX this month. We looked and looked for a place to rent finally found XXXX and gave XXXX and XXXX months rent for {$3100.00} all the money we have. Contract move in date the XXXX. Now today we are told it may not close on the XXXX and they may need an extension. From what they are saying we would have to stay in the house until the end to receive the money. If that happens we forfeit the money we put down {$3100.00} and have no place to live/Question how can they sell my loan without my knowledge and cost me {$7000.00} which as I understand is n't even their money and have their own little program and how can they make me stay longer to get the {$3000.00} with little or no notice. The world just does n't work that way. We are desperate looking at no money and being homeless. As a note I retired in XX/XX/XXXX with {$XXXX} a house with equity of {$XXXX} inherited {$XXXX} and in XX/XX/XXXX and again in XX/XX/XXXX lost everything I spent my life saving. I am XXXX years old in good health applied to many many jobs and the moment they see my age no call back. Is there any help out there or do we just go homeless.
Consumer complaint received 2016-03-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: CL Holdings LLC (TX)

i sent a debt validation to jefferson capital on XXXX XXXX 2016, its been over 30 days and i have not received any documents about the account, this is violation of fdcpa i want this deleted from my credit file
Consumer complaint received 2016-01-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (AR)

I received an invitation to calculate my mortgage payment via email solicitation. ( See attachment ). I was not informed that my personal information would be sold and sent to other mortgage lenders who in turn checked my credit report. This has resulted in my credit score being impacted significantly. These practices are totally unfair to consumers and I am requesting your assistance in resolution of this situation.
Consumer complaint received 2015-04-22
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: ORG GC GP BUYER, LLC (CO)

Gentleman called and asked for a family member. Would not identify himself or the reason for the call. When I asked who it was and why he was calling, he would not answer. I told him I would not give any information. Other family member report of repeated calls and harassment. Number the call was from is XXXX.
Consumer complaint received 2016-12-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Rocket Mortgage, LLC (CT)

I received a mortgage advertisement from Quicken Loans that is very misleading and factually incorrect. I work in finance so am able to see the errors in their ad quickly, however the mortgage market and economy does not work this way and I would n't expect an average borrower to be able to sort out Quicken 's erroneous representations. I would be happy to forward the email ad to you but I do not see a way to attach. I am sure they are going to get a nice boost of business before Fed Day. 

Here are the false presumptions the ad makes and can mislead a borrower. 

It implies that you can, as a borrower, front run the fed. 

Has the audacity to talk about market expectation STILL imply that even though everyone thinks that the fed will raise you can lock in now before hand and realized the benefit Conflates the fed funds rate with long term mortgage rates. Fed funds has a very loose connection to long term rates. 

Has a total non sequitur between post election vol and Fed.
Consumer complaint received 2015-03-19
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (CA)

This bank of america, gave all my money without letting me know to a some type of collection agency because they said that they receive a letter from a lawyer to take all my money and hold all my assests. Which they cant even tell me whom i owed with? First of all i dont owed anything that is more that {$2000.00} and second how thry can just garnish my money and gave it to the agency without letting me know and last how did they get my bank acct information?
Consumer complaint received 2015-08-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (AZ)

Nationstar Mortgage and Trustees, XXXX, herein, NS and Trustees, have continued to proceed with unlawful foreclosure. Numerous attempts have been made by homeowners, by and through their advocate, with written, telephonic, electronic, communications. All reasonable and lawful efforts have been exhausted and litigation has been initiated as a unfortunate and unwanted, last resort. 
A rescission letter was mailed to alleged interested parties, Pursuant to TILA, 1605 et seq. see attached To date, no response has been forthcoming from NS or Trustees, as required by law and confirmed in U.S. Court decision, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX : " In the case of TILA Rescission the issue is closed, to wit : the unanimous decision of the US Supreme Court in XXXX was that the statute is not ambiguous and thus not subject to interpretation by ANY judge '' and again in, Minnesota Supreme Court in XXXX XXXX XXXX , No. : XXXX : " Here again we have the application of the simple formula proposed by the Supreme Court of Minnesota, to wit : nothing plus nothing equals nothing. " NS and Trustees acting as debt collectors as defined in FDCPA, and in CFPB XXXX XXXX Brief No. : XXXX, have made false and misleading representations in their actions while attempting to collect on alleged debt. Homeowners relentless attempted to validate alleged debt, all of which is well documented. NS and Trustees were non-responsive and act with impunity against Homeowners and more importantly a blatant disregard and respect for the rule of law.
Consumer complaint received 2017-01-19
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (TN)

Navient has been applying payments to my incorrectly and when asked this was calculated they are unable to give me an answer. I asked for documentation six months ago in which they failed to provide. I was up on automatic payments in which Navient started to reverse payments causing late payments when I asked Navient about reversals they blamed it on the bank ; however, I managed to the the bank on the phone with Navient and bank said there was no issue in fact if I manually went to the website and paid the exact same way the payment would n't be reversed. Very odd with Navient giving no explanation. Also, it states on Navient website a consigned can be removed after XXXX consecutive on time payments so I met those requirements as well as I have a job and XXXX which are the requirements and they still will not remove the consigner. Also, if you log into your Navient multiple times in one day then they take it upon themselves to lock you out of the account. My loan origination on one loan was XXXX and now that is XXXX. My loan origination on another loan was XXXX and now it 's XXXX. They ca n't tell you how they calculate or continually due adjustments or provide documentation when requested. At this rate, no one will get loans paid off and for cosigner removal they need to honor there website XXXX on time payments, income, and graduation as explain their way of new math.
Consumer complaint received 2016-02-25
Product: Prepaid card — Gift or merchant card
Issue: Managing, opening, or closing account — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

I purchased a car-wash card from XXXX XXXX XXXX XXXX in XXXX last XXXX 2015, which I used until the fall when the business was sold to another company, which I was not told. When I drove into the car wash, I learned that I could no longer use the remainder of my prepaid washes. My car was inside the car wash so I had to pay again & was told that they will not let me use the rest of my paid washes. I want a full refund. I was a customer for 15 years.
Consumer complaint received 2024-08-28
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Problem with a company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (DE)

I filed a dispute for incorrect information on my credit report. I received an email from the credit bureau stating that they are assuming the disputes are coming from a 3rd party. They in fact did not come from a 3rd party. l even called them to verify it was me and they still refused to process my disputes. I wasted money on mailing my disputes out. I sent personal information to verify my identity through mail, just for them to not thoroughly investigate.
Consumer complaint received 2015-04-02
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (PA)

XX/XX/XXXX while already entered into a payment agreement and making on time auto payments. Navient for some reason decided to cancel our agreement and then harassing us into agreeing to a new agreement at more than double the previous payment. When questioned about why our previous agreement was canceled they stated it was canceled in error and since that happened the could n't re-instate that agreement and we would have to new enter into a new one. They then stated that since we were paying our credits cards on time that we must have money to pay more. They stated that the co-signer must pay the part of the loan that the borrower could not afford to make. They insisted that since we had XXXX cars we could pay more to them. When asked to work out agreement to extend the term and lower the rate Navient refused to even submit an agreement for approval. After being routed around to over XXXX different reps and never getting the same reason or answer and being told that the only thing we could do and not hear from them again was to enter into a agreement with a payment XXXX the amount of the previous one. Now finally XX/XX/XXXX with an agreement in hand they called again to state that that agreement was denied by a supervisor and we would need another new now which could only be the much higher payment which out of frustration and harassment we agreed to. Now XX/XX/XXXX we get an email saying all our loans have been approved for forbearance at a cost of {$50.00} for each loan and interest will accrue. We never requested this and have no clue why we are being told this. We have never received any correspondence informing us of anything discussed on the phone or any changes they seem to be making without our consent or knowledge. We agreed to pay the higher payment with auto pay which they seem to take every month with no problem then call me and tell me Im delinquent on my payments but it comes out every month.
Consumer complaint received 2024-08-22
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. (MS)

Follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates. 
I sent letters asking them to reinvestigate these accounts listed below XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXX XXXX XXXX  ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate XXXX XXXX ( XXXX ) open date is not reporting correctly, date last active, date of last payment, this account is not accurate Can you look into this matter
Consumer complaint received 2016-03-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (FL)

On XX/XX/XXXX I sent in a cashier 's check to Nationstar for my regular monthly payment in the amount of {$1300.00} ; Evidently that check was sent to the corporate address instead of their overnight address. I was informed of that and due to the fact that I did not want to be late on my mortgage payment, when the representative that I spoke to on XX/XX/XXXX ( Name XXXX ; Ext : XXXX ) suggested that I send in another payment I did so on the same day. XXXX also mentioned that there 's a possibility that the check might get returned back to me or that it would just be sent to the correct department for processing, She said that whichever payment is processed first will be applied for XX/XX/XXXX, the other will be applied for XX/XX/XXXX. The second check I sent in XX/XX/XXXX was in the amount of {$1300.00}. The check was sent on XX/XX/XXXX and received on XX/XX/XXXX, It was cashed on XX/XX/XXXX and was posted to the account for the XX/XX/XXXX payment. The first initial check which was sent on XX/XX/XXXX, received on XX/XX/XXXX and cashed on XX/XX/XXXX ( which we later found out when Nationstar asked for proof from our bank ) was never posted to the account. We have contacted Nationstar about this matter about 24 times through email and phone since XX/XX/XXXX, might be more, I lost count after my 20th call ; They have yet to take this matter seriously. I have gone through at least 8 research request that was submitted for them to look into it and apply my missing payment, but none of these requests worked. Every single time I submitted one, I would get just a little bit of hope but to no avail. I have faxed them all of the documents that they have ever asked for on every occasion that a new research request would be submitted and I have also emailed them those documents. I believe that the employees are not taking their time to do their job correctly. They mentioned that everything is correct on the account and that the missing payment was applied toward the mortgage. I have looked at the statements and that first check that Nationstar cashed is nowhere to be found on there. And its also funny that one of their representative told me that I should be happy that I 'm not behind on my payments and to just be happy and let it go and continue to make my payments. I just want Nationstar to post the payment as it should be, and if they refuse to do that, they will have to give me my money back. Just in case Nationstar try to say that one of the payments that are posted on that statement is the payment that I 'm disputing. I need to add that I made 2 payments XX/XX/XXXX in the same amount of the check that I 'm disputing. The account was current at the time that I sent in that payment that I 'm disputing, therefor there is no if and or buts it should be posted.
Consumer complaint received 2015-09-02
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (OR)

My lender Nation Star changed the locks on my house with all my belongings inside before they were legally able to take over my house due to foreclosure. They never followed the eviction process required by the state. Also it is my belief that the house was rightfully mine until XXXX XXXX. Please see attached documents in order to review foreclosure details. After contacting the bank it took over a month to be able to re enter my home. Once I got into my house I found that all my valuables were missing\stolen. When I contacted the bank to report the issue they referred me to XXXX which is their property preservation team. XXXX then instructed me to file a claim through them. In order to file a claim I had to file a police report. Once I filed the police report the officer stated he closed the investigation per XXXX direction as stated in the police report attached. After a long period of calls and emails XXXX finally got back to me stating they questioned their employees and they had not taken anything. There was nothing further they could do and I would not receive any compensation for my valuables or early eviction. I then contacted Nation Star which in turn has also stated there is nothing they can do to rectify the situation. I have lost a total of {$50000.00} in personal property due to this wrongful eviction and theft.
Consumer complaint received 2017-02-20
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (FL)

I was never given IBR option in the beginning i was just put into forbarence and then i tried the ibr plan and i have moved and didnt get information regarding reapplying which caused me to lapse in payments and then i went from XXXX to navient and thats when scams were going around and i wasnt sure navient was real and was scared to give info. I would like my credit fixed regarding the bad remarks
Consumer complaint received 2015-07-24
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (MA)

XXXX was sold from XXXX XXXX XXXX XXXX XXXX to Nationstar on XXXX XXXX. My XX/XX/XXXX payment was already mailed to XXXX before I received the correspondence fron Nationstar that they had bought the loan and payments should be mailed to them after XXXX. I called XXXX and was advised that a check was sent to Nationstar via XXXX ( XXXX ) on XX/XX/XXXX, check # XXXX and arrived on XX/XX/XXXX at XXXX XXXX. The check has since been cashed and cleared by Nationstar. However, Nationstar erroneously credited the XXXX check to Insurance escrow instead of my mortgage payment. I learned of this on XXXX/XXXX/15, since that time I have made 4-5 lengthy phone calls explaining their error and when was my mortgage payment for XX/XX/XXXX going to be credited. On each occasion they told me it would be credited within 48 hours but was never done. After several of what Nationstar calls courtesy calls, I called today to get this straightened out before I make my XX/XX/XXXX payment. I do not want my XX/XX/XXXX payment being applied to the XX/XX/XXXX payment. Nationstar has had my payment in escrow since XX/XX/XXXX but do not seem to be able to get it applied to my mortgage account. I was told today that they would waive my late fee as a coutesy ... .what late fee, as well by federal law no late fees are applied for 60 days from XXXX/XXXX/2015. They are holding my money! In fact I was told by a XXXX today that the payment was applied and I could see it on line by tomorrow only to be told by her supervisor, XXXX, that her statement was untrue that it had not been resolved yet. Finally, I was told by the escrow dept. ( XXXX ) that the transfer had taken place and will be seen on line in 24-48 hours. I asked XXXX since the error was theirs and talk of late fees could jeopardize my credit rating could she please send me a letter hard copy with an explanation of what transpired with their error with specific dates. She flat out said you will not be receiving a letter. When I explained that the consumer protection rights spelled out on the FDIC web site states specifically that when the bank has admitted the error it shall be corrected in XXXX business day and a letter of explanation and resolution be sent to the customer within 3 business days, she once again stated that NO letter will be forthcoming. This letter is important should I need to defend my credit rating after the fact. I also suggested that since my payment was tied up in escrow since XXXX/XXXX/2015 would I be seeing interest that accrued since that date as mandated by federal law and she stated " NO INTEREST ''. Please intercede. Their address is Nationstar Customer Service XXXX XXXX XXXX XXXX, XXXX, TX. XXXX ... XXXX.
Consumer complaint received 2015-05-09
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I would like to notify you of an issue with my private student loan that was dispersed to attend a school previously called the XXXX XXXX XXXX ( XXXX ). I have agreed to have my private student loan payment automatically paid from my bank account each month. The amount that is removed from my account each month ( according to my bank statements ) is approximately {$290.00}. However, when I receive my billing statements, the monthly amount due is approximately {$240.00}. I 've called Navient Solutions, Inc. to determine what the difference is between my billing statements and the amount being removed from my bank account. The customer service representatives at Navient have been unable to clearly explain to me why my amount due is around {$40.00} less than what they are taking from my bank account. This is highly deceptive, as I am not able to find any disclosure that shows me why I am paying about {$40.00} more than what the amount due on my billing statement shows. It is also unfair. Customer service at Navient is not able to explain this to me, and I am unable to avoid this additional fee. I am hoping the CFPB can look into this issue, and I am hoping Navient will refund the additional amount that is being taken from my bank account each month, as they never properly disclosed this to me.
Consumer complaint received 2016-08-15
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (NV)

I am a XXXX in XXXX XXXX Nevada. I was representing the buyer of property at XXXX XXXX XXXX, XXXX XXXX XXXX Nevada XXXX. I was made to suffer an Oppression at the hands of Nationstar Mortgage and their representative. ( 26 U.S. Code 7214 - Offenses by officers and employees of the United States ) On or about XXXX/XXXX/2016 XXXX XXXX XXXX, and NationStar Mortgage, working as an agent of the United States, on behalf of Nationstar, in settlement of a HAFA mortgage adjustment, and under the color and authority of this program, while full well knowing that as a real estate agent, I am compelled both legally and ethically to work in the best interests of my client, demanded that I accept a reduction in compensation to complete the above mentioned sale. Per his position it is assumed that he knew of my obligations to my client. He has by his action cost me a reduction in my compensation of more than {$1100.00}. I pray that you will demand that NationStar display their records of this transaction, compensate the real estate agents to the original contracted amount and find their answer for reducing the seller compensation by {$12000.00}.