davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I was pursuing a mortgage loan modification and was presented a loan modification proposal and the lengthy application process. After reviewing the documents of the proposed modification I did not feel it was a reasonable deal. I took the next five months to look around and see what other options were available. After a five month search I felt I had no option but accept the original proposal from Select Portfolio Services. Upon contacting them they said my application and offer had expired. Two days later when I called them again I was told that I could, in fact, accept that original loan modification agreement. I informed them that i could not fine the original loan mod documents ; And would they they please rewrite them and send them to me for my acceptance and signature. They did, I signed returned and started making regular loan payments. 

I did not catch, that when the modification document was re-written and sent to me the second time, that the dates for the commencement of mortgage payments had not been updated to reflect my signing date, but had been left at the dates five months earlier, when the proposed modification had initially been offered. Original modification was offered XXXX/XXXX/XXXX and I accepted and signed XXXX/XXXX/XXXX. I have been five monthly payments behind ever since. 

I have applied for a second modification with Select Portfolio Services to resolve this issue to no avail. I have asked that they simple move those five payment to the end of the loan and return me to a " current '' status and they have refused. 

I need help to resolve this matter.
Consumer complaint received 2015-04-02
Product: Debt collection — Non-federal student loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: Navient Solutions, LLC. (CA)

I have a student loan consolidation in progress with XXXX. In the meantime General Revenue Corporation who handled my XXXX loan for XXXX, has begun to contact friends and family other than the XXXX references i put on the loan when i borrowed it, and they also call me several times a day. When the carrier adds this loan to my consolidation, it will close out, and I still have XXXX months to do so. I have informed both GRC and XXXX of this. XXXX is not giving me trouble. GRC is. I do not know how they are getting contact information for my friends and family.
Consumer complaint received 2015-10-06
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (TX)

I filed a complaint with Bank of America XXXX/XXXX/2015 - Case number : XXXX and thought that my issue has been resolved. The issue is that my saving account that was converted to a checking account was continue to be assessed fees then charged of. This account was not suppose to be converted to a checking account. It was to remain a savings,. I was advised today by a rep that I was accessed monthly service charges from XX/XX/XXXX - XX/XX/XXXX and the account was forced closded XXXX XXXX. another bad servicing item and after being advised of the error for the 10th time. No one corrected. 
Orginal complaint verbiage : My # 2 complaint is that I had my savings account converted to another Checking Account without my notice or approval and now I am being charged a monthly maintenance fee on that account. I have advised BOFA of all of my concerns and they have not attempted to investigate or make any corrections. These fees have been accessed without me being aware. This is an unfair act or practice. And a violation of UDAAP.The Dodd-Frank Act prohibits conduct that constitutes an unfair act or practice. Anact or practice is unfair when : ( 1 ) It causes or is likely to cause substantial injury to consumers ; ( 2 ) The injury is not reasonably avoidable by consumers ; and ( 3 ) The injury is not outweighed by countervailing benefits to consumersor to competition. 
Confusing marketing strategies and lack of disclosure of terms of checking and savings
Consumer complaint received 2015-07-22
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (MA)

my wallet was stolen back in 2009 .this was during high school. someone put a fake check into my account. 
I told the bank I did n't know anything about this situation until a copy of the check came in the mail. the point of this complaint is to get to the bottom of this situation and to clear my name. my name is XXXX XXXX XXXX and my phone number is XXXX, my ss # is XXXX
Consumer complaint received 2015-04-28
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (PA)

Bank of America provided checks with my Equity Line of Credit. The XXXX check ( # XXXX ) was deposited into the payee 's Bank of America account. The XXXX check ( # XXXX ), made out to the same payee, was rejected by a branch of Bank of America ; the reason, " REASON-S ''. My primary concern was to have my rejected check ( # XXXX ) stopped permanently since the payee refused to return it to me, but according to a number of representatives with whom I spoke, the " stop '' can only be executed for 6 months at a time and then must be renewed. Since my Line of Credit expires in 2019, I will have to reinstitute the " stop '' XXXX more time during the life of my loan. As you will see in the attached letter to an executive officer of Bank of America, the details are quite clearly stated, but this executive elected to pass it on to someone who never read all my documents and was attempting to simply get me out of the way. I 'm sure the bank has it in their power to clear up this problem, especially since it was their organization that submitted to me checks to use, without restrictions. If additional documentation is required, I will be happy to submit all that I have.
Consumer complaint received 2016-01-16
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: FMS Inc. (ID)

I sent FMS a letter ( attached ) asking them to provide proof of debt. ( delivery confirmation attached ) because I had received a letter from FMS saying they are attempting to collect a debt and that I need to respond within 30 days, ( letter attached ) which I did. They sent me a letter stating that they would and that all debt collection would cease until debt verification ( letter attached ). I still have not received proof that this debt belongs to me and they have now started reporting this debt on my credit report. 

They are in violation of fcra.
Consumer complaint received 2016-06-24
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: The CBE Group, Inc. (CA)

CBE has been trying to collect a debt that they have not been able to shows as a valid debt. The debt is from XXXX XXXX XXXX, and I have asked repeatedly for what the debt was for. CBE repeatedly has sent a old statement from XXXX with no detail explaining the charge. I was not living in the property where the charge occurred at the time of the charge, and I truly doubt the charge is valid. CBE has made XXXX previous attempts to collect this amount over the last 3 years has never been able to produce the details of the charge - the charges are considered invalid.
Consumer complaint received 2016-05-20
Product: Prepaid card — General purpose card
Issue: Overdraft, savings or rewards features — 
Company: CITIBANK, N.A. (FL)

I purchased XXXX new tires from XXXX XX/XX/XXXX off of XXXX. There was a promotion where we would get an {$80.00} prepaid XXXX debit card as a result. 

We moved from XXXX to XXXX XX/XX/XXXX and had all of our mail forwarded. I called XXXX about the status of the debit card as we never received it. They had no idea where it was and ordered a new one from XXXX. We did n't get this new debit card until the XX/XX/XXXX. 

We went to use the debit card XX/XX/XXXX and realized that the funds had been removed as of XXXX XXXX, XXXX. I called up XXXX who tried to have the funds re-instituted but were not able to. 
They directed me to call XXXX. 

I ended up going through a few people and ended up with XXXX XXXX from XXXX on XXXX XXXX. I alerted her to this website ; that the funds on these prepaid debit cards do not expire so quickly. XXXX She said she would look into it but never called me back. I finally got through with her today and she alerted me that upper management reviewed the case and nothing could be done about an expired debit card which only expired because it was delayed in being delivered to us and had a ridiculously short expiration date ( 90-120 days from issuance ). I asked if she enjoyed someone reaching into her pocket and stealing {$80.00}. She only responded that this promotional card was NOT a debit card despite it saying DEBIT on the card and issued by XXXX. 

This tactic is deliberately done by these companies to XXXX consumers : put an extremely limited time to use the card and steal the money back with no recourse. I have never seen a promotional card which had to be used so suddenly or we would have to relinquish our funds.
Consumer complaint received 2016-08-04
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (DE)

According to Navient, servicer of my U.S. Department of Education student loan, " You can instruct us to allocate payments differently. Clearly write your instructions on a separate piece of paper included with your check. '' I typed and included with my payment a concise letter instructing Navient to first apply a recent payment to XXXX of XXXX particular loans in order to pay it off and then apply any remaining funds from the payment as normal. Instead, Navient split the entire payment as they normally would amongst the XXXX separate loans. They cited " automated system reasons '' for the error when called. I cite they are lying in their own important disclosures that come with each loan statement. The payment has been reapplied at inconvenience to myself with added worry and confusion of what my student loan statement might look like next month.
Consumer complaint received 2016-10-10
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (CA)

I have both Federal and Private loans serviced through Navient Navient recently changed its website, around the same time I got a new checking account through a new bank. I set up automatic pay using my new bank information. A month later I found out that the auto pay went effective for the private loans but not the federal loans. When I called them in XXXX 2016 they simply gave me a forbearance and reamortized the account and the representative told me that everything was taken care of and that autopayments would begin with my XXXX payments. Now, I got a notice that my account was two months past due. I called and told them I took care of auto pay in XXXX and it still is n't working. They had me do something different this time, going through their old website and set up auto pay. I did that and the representative confirmed that it went through but the application had an auto- matic provision for forbearance of the two months late. In addition, I have been getting emails soliciting forbearance from Navient. I thought it was just spam but it makes me wonder if Navient is not having issues deliberately to reamortize so that consumers are paying more in interest over the long run. this is now the second time that they have reamortized my account. I would like this looked into to make sure that this is not a wide spread practice. No option to pay the outstanding amount was given to me in order to have the auto pay effective and they were quick to just have the account reamortized.
Consumer complaint received 2017-02-04
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (OH)

We have been paying these loans for 9 years and when you look at their information it is still at the amount we started out at 9 years ago. My father paid on these loans while he was still alive even when I was in school. I have paid for 9 years and it 's saying we have n't paid anything besides interest. We are getting hosed. They are never willing to work with us on anything. I have XXXX kids and a wife at home and work my XXXX off and ca n't afford these rates. I want someone to review this case as something shady is going on. I have seen several complaints like us and I believe something is not correctly being applied to my account. PLEASE HELP US! We ca n't afford any of this!
Consumer complaint received 2016-06-22
Product: Mortgage — FHA mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (AL)

I had been working with this mortgage broker for over 6 months with a pre approval letter he told me that I qualified for a loan for XXXX. After looking for a home and submitting all the paperwork ad setting a closing date. I do n't get the home that I want. He kept lying to me about my credit, or my debt to ratio, or have n't been on my job long enough.
Consumer complaint received 2016-11-02
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Don't agree with fees charged
Company: Navient Solutions, LLC. (MO)

I use to have XXXX loans with XXXX and then consolidated them into which then it went to navient. I have been in forebearance or deferment for the last few years do to hardship. I recently received a small settlement and would like to pay off my student loan. Like most people know student loans do n't usually settle. I owe a little over XXXX at the moment when I received these loans I only borrowed a little over XXXX. Anyway my complaint with Navient is how much interest has occurred on these loans in such a short time. From where they were at when Navient took over till now. Is there someone who can look into this and see if I 'm being ripped off or what can I do. I want to pay this loan off now but for the right amount and I think I 'm getting screwed over with the interest rate and how my loan has went up so much with them so fast. Please help me
Consumer complaint received 2017-01-28
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

Greetings, Once a year, the company which holds the mortgage on my home, PHH Mortgage will send me a check for any overage I have on my escrow account. Since XXXX, I have been waiting for a check for more than {$900.00} dollars. To date, i have not received the check. The company claims they will send it to me shortly but those claims have been made to me since XXXX. Every time I call to follow-up, I am advised nothing has been done. I am not sure who else to turn to. Thank you.
Consumer complaint received 2015-09-30
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: FIRST HORIZON BANK - WEST CONGRESS STREET BRANCH (GA)

I have been a customer of XXXX since XX/XX/XXXX ( encouraged to open accounts due to a mortgage refinance solicitation that required " all '' accounts be moved to the bank as a condition of the loan ). XX/XX/XXXX, I noticed on the Bank web site that it was being acquired by Iberia Bank. However, I received very little in the way of substantive information about how the acquisition would affect my accounts or banking relationship. In fact, in advance of and since the acquisition, I have receive NO new terms or conditions relating to my accounts or services, such as my Bill Pay service. Only after the acquisition took place did I learn that I would no longer receive bills from third parties through my Bill Pay service ( after several bills were not delivered and payments were late ). To date, I am still trying to correct delivery issues with the billers due to difficulties with the prior bill delivery requests made by XXXX. I have not received debit cards for my accounts. Apparently my account terms have changed now requiring minimum balances and I am being charged service fees ; however, I did not receive advance notification of these changes to my accounts. I also was informed ( after the fact ) that the bank routing number and account numbers were changing and that I was responsible for notifying billers who drafted payments from my account. I have requested new checks for my account, but the Bank has never delivered them. I have reported all of these issues to the Bank on at least 5 occasions, by telephone and in person. On at least two of these occasions, I requested a return call from the private banker who opened the accounts initially. I never received a return call. I was told on at least two occasions by representatives from the Bank that the transition has been challenging, that other customers have complained, and that other customers did not receive communications about the transition. I also was promised that the service fees removed from my accounts would be replaced. They have not been. Finally, after my last call to the Bank expressly frustration about the Bank 's failure to correct any of the issues that I had complained about, I finally received a call from the private banker, who threatened to unilaterally close my account for " berating '' the bank employees ( in other words, complaining about legitimate service failures ) and thereby causing other business disruptions to my personal finances. Now, I have left two additional messages with the same private banker to address issues with my account and I have received no return call.
Consumer complaint received 2017-02-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (MD)

I assumed a loan from PHH mortgage. The original loan amount was XXXX. I assumed the loan in XXXX, at that time the insurance changed from XXXX to XXXX It was part of closing, the amount of the payment changed also, It was appx. XXXX. I began to pay an even XXXX In XXXX the mortgage company sent out an escrow statement indicating that I had a shortage because the insurance had changed. The insurance did not change in XXXX. The amount of the payment had already changed. They then asserted that the payment would be XXXX. I disagreed and requested they audit the account. The change in the insurance was appx XXXX and had been included in the closing and the payment of the loan so any shortage was a mistake on their end. Also, a XXXX change would not initiate a XXXX, which is indicated if the amount of the monthly payment is changed by XXXX as they assert. Their response was that their analysis was the audit, it was right, and there was no need for an additional audit. They then began calling the previous borrower that the loan was assumed from regarding this issue instead of working with me to resolve it. They sent me a letter of default indicating that the mortgage is behind two payments which it is not. I contacted them again, and they said they will initiate an audit for XXXX but can not halt the change in payment until the audit is done because they are sure that it is right.
Consumer complaint received 2017-01-18
Product: Student loan — Federal student loan servicing
Issue: Can't repay my loan — Can't decrease my monthly payments
Company: Navient Solutions, LLC. (TX)

Navient is always very unreasonable when it comes to ibr. They offer no help or assistance as to get your loan payment lowered while paying monthly and daily expenses. The loan repayment amount requested is too much for household of 1.
Consumer complaint received 2016-06-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Fedloan Help (FL)

On XXXX/XXXX/2016 Fedloanhelp.org had an Ad on XXXX to reduce student loan payments. I clicked on it and spoke to XXXX and XXXX. They both explained their company was a not-for-profit and they would assist in the paperwork needed to work with the Department of Education and my loan service provider, XXXX. They asked for my bank account number to setup the new reduced payment, XXXX XXXX and had me electronically sign an agreement all in one call. They stated I would get a package in the mail to confirm everything but that never happened. 

On XXXX/XXXX/2016 this company started debiting my checking account for {$100.00}. I sent documentation to XXXXXXXXXXXX asking why since XXXX had sent me an email stating XXXX was due for the 12 months. His response was this " Your payments are always made in advance because we never want you to be disqualified from the program for non-payments. That is why we set it up this way for all clients so they do not have to worry about any problems in the future. '' On XXXX/XXXX/2016 this company debited my checking account again for {$100.00}. 

On XXXX/XXXX/2016 I called XXXX and spoke to XXXX. I asked if those 2 payments reflected on their system. The representative advised Fedloanhelp.org was a fraud company and that I needed to file a complaint with the Consumer Affairs. 
On the same day I emailed XXXXXXXXXXXX the following : " The last 2 payments your company has taken out of my bank account do not reflect on XXXX 's website as being applied to my loan. What is going on? " As of XXXX/XXXX/2016 I have not received a reply from them.
Consumer complaint received 2016-09-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: I.C. System, Inc. (TX)

I received a call at XXXX CST XXXX/XXXX/2016 from XXXX, when answered, there was no one on the other end of the line, then the call disconnected from the caller 's end, forcing me to call back. When I finally got in touch with someone, I do n't feel they properly verified my information prior to disclosing what the call was regarding, then proceeded to attempt to collect a debt that is no longer in collections on my credit report. I view my credit report monthly, and can assure that this particular item fell off months ago. I advised the representative that this was no longer listed on my credit report and did n't want to be contacted again. I also filed 2 different change of addresses forwarding all mail from my previous address to the XXXX XXXX that I had, then to my current residence. I did n't receive any mail regarding this account after I moved, even though they should have received notice of the change. I then received a call from XXXX at XXXX CST XXXX/XXXX/2016, when answered, there was no one on the other end and the call disconnected from the caller 's end, again forcing me to call back. Called in, and rather than repeating myself with all of the same information listed above, I told the person that they have the wrong number. I should n't have to lie about who I am to get unwanted calls to stop. I work in a business that has to be up to date on collection laws at all times, and if the customer states that they do n't want to be called, the company is responsible for maintaining that request, not calling from another call center across the continent.