davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-16
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: ASTORIA BANK (VA)

My husband and I have mortgage with Astoria Savings. In XXXX, we received a notice from Astoria stating that our mortgage would be increasing due to our 10 ARM. This doubled our mortgage form {$2500.00} to about {$4800.00}. Needless to say, we are unable to make our payments, so we asked for assistance. We were instructed to complete a loan modification application, and submit all of the appropriate documents ( hardship letter, financial information, paystubs, checking and saving acct statements, XXXX statements, etc ). The initial case was being handled by one person, and then we started dealing with another lady ( who requested the same information ). Meanwhile collections is calling us because they want to know when will be making a payment -- oh, did i forget to tell you that because we are now more than 120 days behind, they have accelerated our mortgage, which means they want at least XXXX payments ( that 's about $ XXXX ). It is now XXXX 2016, and they are still requesting information and at no point in time has our file been reviewed to see if and what kind of assistance we would be eligible for. We have reached out to HUD, but they said all they will do is provide the documents ( that Astoria already has ) to the mortgage servicer. We are concerned because we do n't have family that will be able to give us money, and if Astoria does n't grant our loan modification, we will have to file bankruptcy because they will want at least $ XXXX to stop foreclosure proceedings. I think their business practices are deceptive and that they do this to every customer that seeks assistance with no intention of ever helping out the customer. Any assistance that you could provide and if you could share this information with others to they are not subject to the same deceptive practices as we have been dealing with.
Consumer complaint received 2017-01-10
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Shellpoint Partners, LLC (NY)

I am in default on a mortgage made originally to XXXX then purchased by XXXX. I was working with XXXX on a Short Sale on the subject property due to financial difficulties. During the Short Sale process the loan was sold to Shellpoint Mortgage. I understood the need to begin the Short Sale process over again and did so. Completed paperwork XXXX times as each time due to Shellpoints delay the paperwork had to be updated. Was approved for the Short Sale then Shellpoint held up the process. Buyer walked a way in frustration. Then agreed to do a Deed in Lieu. This last action was agreed to over XXXX months ago. Shellpoint provided a list of items they required for the Deed in Lieu. We met each condition. One condition was to remove all tenants from the property so that they could take over the property with their own management team. We vacated the property which meant no income coming in. This was over XXXX months ago and Shellpoint has yet to move on the Deed in Lieu. Only stating to us that paperwork is in process. Shellpoint is adding interest and property management fees to the total owed each month. They refuse to communicate via email or in person. They do not answer their phone and require you to leave messages which they do not return. If they call they do not leave a message. They only send a monthly statement with fees added to the amount owed. We are willing to do the Deed in Lieu or Foreclosure but they refuse to move with regard to completing the process. We are at a loss on what to do. This is very frustrating to say the least. Do n't know where to turn or how to move on.
Consumer complaint received 2016-04-27
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Orions Management Group, LLC (CA)

My wife was contacted and notified that a XXXX was going to be filed against me in regards to an account that was not paid. She asked about the statue of limitations and was informed that the statue of limitations for this would not expire until XXXX XXXX because the last payment was made in XXXX of XXXX.
Consumer complaint received 2015-09-15
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Collection Bureau of America Ltd. (AZ)

I recently began to check my credit reports when I discovered a charged off account from Collection Bureau OF America alleging that I owe {$260.00}. On XXXX XXXX, 2015 I submitted a validation request in accordance to all applicable federal and state laws. Collection Bureau of America responded to my validation request with an invoice alleging i owe a debt. They can not be allowed to simply invoice me an alleged I owe a debt. There is no agreement or anything produced as requested within my validation letter. Collection Bureau of America has not removed this trade line from my credit as requested. My request was submitted via certified mail with proof of delivery. This company continues to add damages with their violations of collection and credit reporting laws. I notified XXXX credit bureau of the dispute. Upon investigation the account was deleted. However, as of XXXX/XXXX/2015 the Collection Bureau of America is now reporting to XXXX credit bureau. They are also reporting a different amount stating that there is a debt of {$340.00}, and causing further damages.
Consumer complaint received 2016-05-16
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (OK)

I have a fixed rate conventional mortgage signed on XXXX XXXX, XXXX. This loan had a monthly PMI and with this I have my 'NOTICE CONCERNING PRIVATE MORTGAGE INSURANCE - INITIAL DISCLOSURE - FIXED RATE MORTGAGES '. There is an 'AUTOMATIC TERMINATION OF PMI ' clause on this disclosure. The automatic termination date was XXXX XXXX. Roundpoint Mortgage has refused to acknowledge this and will not terminate the monthly MIP nor will they refund all the unearned PMI premiums that I have paid since then. I have made EVERY PAYMENT ON TIME. I have been in the mortgage loan business since XXXX and I know the guidelines and when a Lender/Servicer is being less than honest. I have called and requested to speak to someone about this I was told I have to submit a request in writing. I did that and also sent a copy of my disclosure and request for a refund for the months I have paid sine XXXX XXXX, XXXX. I have since been told by RoundPoint that I need to get an appraisal first to verify that my loan is indeed at 80 %. I have been told by them that I do not need an appraisal because my PMI will terminate in XXXX XXXX, XXXX. I have been told by them that It will terminate in XXXX XXXX and XXXX. I have asked several times to speak with a supervisor and have never been given one. I have been places on hold for HOURS after asking for a supervisor and of course no one ever picked up the phone. This is frustrating to say the least. I have never been treated do poorly by a company that I felt the need to file an official complaint.
Consumer complaint received 2024-10-16
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: EQUIFAX, INC. (CA)

this account has been on my report for more than 8 years and should be removed as soon as possible. XXXX XXXX this account has been on my credit report XX/XX/XXXX statute of limitation for this account that was never mines is harming me
Consumer complaint received 2016-08-09
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TX)

I had a hail claim in which I had to mail the check to get a signature from Roundpoint Morgage, I sent by priority mail on XXXX/XXXX/16. After a week I called Roundpoint and they told me that they needed more information. They did not call me, I had to call them to find out that they needed more information endorse the check. I gave Roundpoint authorization to speak to both XXXX XXXX and XXXX. On XXXX XXXX, they told me again that they neede/d more information. However I have been told by XXXX and XXXX that Roundpoin/t refused to speak with either company. I got Roundpoint on the phone with XXXX on XXXX/XXXX/16 and information was sent to Roundpoint. They said they would mail the check for {$10000.00}. I asked them to overnight the check and the representative said he spoke with his supervisor and said they would. On XXXX/XXXX/16 I called because no check came in. Roundpoint had no record of the conversation we had the day before! I have asked them by what authority do they have to even hold such a check up and they have refused to provide me with any documentation to such an agreement. At this point I have an upset roofer who is threatening me with late charges and a mortgage company who does who refuses to speak with the XXXX or XXXX, even though I have given them the phone number of my agent at XXXX, then can not even find the record where I had XXXX on the phone, all Information they requested was sent to them and they promised to overnight the check! In short, Roundpoint is incompetent. Mortgage property address is XXXX XXXX not my mailing address.
Consumer complaint received 2016-04-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (TN)

Our mortgage company, Roundpoint Mortgage, is a disaster. In XXXX we received notice that we had overpaid our escrow and received a refund. In late XXXX we were told that we were underpaid into escrow and our monthly payment was increased by $ XXXX per month. This was a 50 % increase without warning. After working with lender they agreed to spread repayment out over 24 months. Just this month we received yet another notice of increase ( only a few months after our agreement ) that a new analysis showed we needed another increase. The inconsistency in this has caused stress to our family and monthly mortgage budgeting. We 've been unable to speak with anyone who can speak to us and talk us through this issue with clarity. The only explanation we were given was " we should have requested an analysis sooner to ensure we were on track. '' They went on to say " we have several XXXX loans and are n't able to keep up with all that have or may have shortages. '' This has been the most difficult mortgage company i 've ever dealt with, and their communication could use much improvement.
Consumer complaint received 2016-11-08
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: RoundPoint Mortgage Servicing LLC (WV)

XXXX originally handled the loan for my home and property. This loan was then bought by RoundPoint Mortgage Servicing Company, before the first payment was even processed. RoundPoint Mortgage Servicing Corporation failed to use my escrow payments to pay my property taxes, which were due six months ago. I have contacted them six times in the last month ( since the day I received notice from the XXXX that my property will be auctioned due to delinquent taxes ) to rectify this situation. They are clearly in the wrong and have admitted as much. Every time I ask for a status I 'm reassured that all is well. I follow up with a call back, and nothing has been done. The property goes up for auction after tomorrow, and they will not agree to provide me with any confirmation that the taxes have been paid ( after they finally do pay them ), so I can not know that my real estate will not be auctioned. I do not have the funds to pay the taxes myself, though I could use a credit card, but I would have to pay interest on the charge and get caught in another battle with RoundPoint to get them to do the right thing. I ca n't believe this is happening!
Consumer complaint received 2023-10-29
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — Payment process
Company: NAVY FEDERAL CREDIT UNION (VA)

I provided XXXX XXXX XXXX Chief Financial Officer at Navy Federal Credit Union Registered Notice of Intent to Tender Payment ( Notice of Accord ) sent XX/XX/XXXX via registered mail XXXX XXXXXXXX and received XXXX to invoke my right to suretyship and guaranty due to lack of informed consent on being considered an Enemy of the State according to the Trading with the Enemy Act of XXXX and under the War Powers Act of XXXX as well as Emergency Banking Act of XXXX. 
No response was received regarding Intent to Tender. 

I followed with Registered Notice of Tender with Special Deposit/Tender , Postal Money Order XXXX XXXXXXXX ( Trust Deed ) which was sent XX/XX/XXXX and received XX/XX/XXXX. Tender was returned regular mail with " Conditions not Accepted '' as the reason. 

I re-sent Registered Notice of Tender with Special Deposit/Tender , Postal Money Order # XXXX on XX/XX/XXXX and received XX/XX/XXXX requesting written correspondence on tender process guidance. Again Tender was returned regular mail with " Conditions not Accepted '' as the reason. 

According to Code of Virginia 8.3A-603a [ UCC 3-603b ], if Tender of Payment is Refused, there is Discharge. 
My notices have been ignored. I am seeking help in equitable resolution to this matter regarding Banks Liability for Wrongful Dishonor, Code of Virginia 8.4-402.

Finally, I sent Registered Statement of Discharge outlining all attempts to resolve this claim, Notice of Debt Assignment and Notice of Equitable Interest was sent via Registered Mail # XXXX on XX/XX/XXXX and received XX/XX/XXXX and to XXXX XXXX XXXX XXXX Attorney at XXXX and XXXX XXXX.
Consumer complaint received 2016-09-29
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: CITIZENS FINANCIAL GROUP, INC. (OH)

My problem with CITIZENS BANK Over the past week I have been assessed XXXX overdraft fees/service charges totaling {$230.00} This brought my account down to - {$250.00} Simple math shows that my account is ACTUALLY only - {$19.00} This means that I have been charged more than XXXX times what I actually am negative in the account. 
This seems a little excessive. 
When I contacted my customer service number, the first man ( who was very nice personally ) said that he could n't do anything. I asked him to escalate me to a supervisor, and he obliged. 
The supervisor at first said that there was nothing she could do, then when I kept pleading my case, she said she could remove XXXX of the fees, ( which was actually XXXX fees assessed in 1 day ). She took {$100.00} off, which still leaves me - {$140.00}, or 7 times what I am actually negative! 
I fully understand that if I go into the negative, I will be assessed a fee of {$35.00}, but {$230.00} is insane, especially after the taxpayer based bail out.
Consumer complaint received 2016-11-04
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Blakely-Witt and Associates, Inc. (TX)

I have made numerous attempts requesting the validation of the debt. I have requested in writing to the collection company and to the credit bureaus to provide me with a detailed breakdown of what I allegedly owed.
Consumer complaint received 2016-11-25
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (CA)

The name of the company is ERC and they keep calling me after I have asked them several times to stop calling me.They are calling about a relative of mine who does not live with me and is not at my address or my phone number.But they keep calling.The lastest calls all all automated with a message to call them and a reference number thens hangups.
Consumer complaint received 2015-12-28
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (CA)

Wells Fargo Bank has reset my loan to allow for more interest to be paid up front. Changing the loan number as I enter the last remaing years of my mortgage. I have a negative amortization loan that was converted from a fixed to a arm in 2006. I requested several modifications and have been denied for every reason. I have now discoveved as I enter the fully amortized payment they have changed my loan extended my term for a additional 22 years and have changed the payments which now allows the majority of the payments being applied toward the interest. They have changed my loan number to XXXX and have reset the payments to collect more interest up front as oppose to having the majority of the payments being applied toward the principal as it should now. You can review the amortization scheduke for both loan numbers and see the descrpency,
Consumer complaint received 2015-11-10
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: WELLS FARGO & COMPANY (CT)

Wells Fargo says my statements are available online for seven ( 7 ) years but, when I closed out a money market savings account my access to the statements ended and they want to charge me {$5.00} per statement. I did n't download any statements for my closed MM savings accounts planning on being able to see them online. I feel misled and potentially gouged.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CA)

Our homeowner has been actively pursuing a sale of their home over the last 7 months. While he is behind in his payments to Nationstar Mortgage, he is doing everything in his power to sell his home and payoff the loan in its entirety. To this point, we had failed in finding a successful buyer but now we have a full price offer that more than covers their payoff. I have been in contact with nationstar for payoffs and this week I was in touch with them on XXXX XXXX asking them to delay a foreclosure sale date for this upcoming XXXX, XXXX XXXX, 2015. To this point, they have failed to process the documents timely and are denying a postponement of the sale. They are delaying getting their own internal payoff numbers and this is causing potentially devastating harm to our owner. At this point we need Nationstar to extend their auction date in order to allow us to close our sale and allow the payoff of the loan. Our homeowner will not lose his home, he will file bankruptcy as a last ditch effort to save the home he has lived in for nearly 20 years. Nationstar refuses to listen to our plea and repeatedly cuts us off during conversation. The problems they claim to see on the documents, are not real problems, and they will listen to our explanations for them. We need someone to step in and handle this.
Consumer complaint received 2017-01-13
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: NATIONSTAR MORTGAGE LLC (CT)

I had been having problems paying my mortgage due to a job loss a few years back, then was going through a divorce. My mortgage was with XXXX until late XXXX, then was sold to Nationstar Mortgage whom i had never heard of. Applied for several modifications, I was denied every time. My wife and I reconciled, but I was too far behind to save the home. Eventually the foreclosure process started, which was fine, decided to short sale the home as it was better than a foreclosure on my credit also, was told would be able to get relocation fees to help me move my family to another residence. Well we started the short sale process in XX/XX/XXXX, had to go to court numerous times, due to Nationstar not communicating about anything with their own attorneys missing days of work, without pay, due to the fact that the equator system and it 's reviewers were always months and months behind. In late XX/XX/XXXX the furnace gave out and we did not have the funds to replace it as it was approx. $ XXXX {$4000.00} to replace. We found an apartment, and borrowed from friends and family to be able to move in in XX/XX/XXXX. Had several buyers on several different occasions for the property however, because of the " backlog '' with equator and XXXX, none of them wanted to wait it out. Finally had a buyer that was willing to wait it out, and it is now time to submit the HUD, XXXX will not give any sort of relocation fee whatsoever. All paperwork received regarding foreclosure alternatives from XXXX states an advantage to their short sale program is relocation fees, my realtor has been submitting over and over, per Nationstar Mortgage 's advice to keep the relocation fee on the final closing paperwork. Fast forward to today XX/XX/XXXX, still no closing date, and its a year and a half later. XXXX is nothing but bullies, they do whatever they want regardless of what they have printed in black and white, there is an excuse for everything, I am most definitely having every piece of paper I have from Nationstar as well as XXXX looked over by an attorney, I am not going to be bullied by them like a lot of other people are, it 's time the gov't does something to protect the people!!!! HAD I KNOWN THEY WERE SUCH BULLIES AND HYPOCRITES I WOULDVE FILED BANKRUPTCY AND LEFT THEM WITH NOTHNING!!!!!!!
Consumer complaint received 2015-10-16
Product: Bank account or service — Checking account
Issue: Problems caused by my funds being low — 
Company: BB&T CORPORATION (MD)

I have not opted-in to overdraft protection wherein my bank ( BB & T ) will advance funds on my behalf, should my account balance fall below zero. For years, my savings account has been linked to my checking account for an alternative to overdraft protection, however. Recently, I noticed that I was being charged a {$12.00} " Miscellaneous Debit '' for BB & T to transfer my own money from my savings account to my checking account upon a low balance. This " Miscellaneous Debit '' is charged per transfer, very similarly to an Overdraft Fee XXXX just not {$35.00} XXXX.
Consumer complaint received 2015-06-01
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (NY)

My mortgage of {$1000.00} ( monthly ) was sold to Nationstar Mortgage by XXXX XXXX XXXX. Since the inception, It has always been my practice to pay {$1200.00} monthly instead of the amount due, in hopes that I can complete my payment earlier. Once Nationstar received my mortagage, they began charging me a monthly inspection fee of {$10.00} even though no inspection was being done. Upon questioning this in writing, the practice of taking the fee was stopped. Just this month, Nationstar sent me a notice that my regular monthly payment is now {$1300.00} and not the {$1000.00} which was based upon an agreed fixed-rate XXXX-year mortgage. On calling their Customer Service on XXXX, the representative told me that this was an Escrow increase, despite my contract. It is my belief that Nationstar have been conducting fraudulent and dubious business and I am further convinced of this after I took a look at their reviews on XXXX. I need your help.