davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-05-28
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: NATIONSTAR MORTGAGE LLC (NY)

Nationstar Mortgage does n't respond to my requests to have an agent present at the sale of my mortgage. Also, I 've called customer service several times asking for the original stock certificate and proprietary lease. They do n't seem to understand that I need the documents and a rep present at the closing ; otherwise I ca n't finalize the transaction. Please assist. Thank you.
Consumer complaint received 2016-07-22
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Rocket Mortgage, LLC (TX)

XXXX XXXX, 2016 Quicken Loans, NMLS # XXXX XXXX XXXX XXXX XXXX, MI XXXX Re : XXXX 2016 payment Please note that we are requesting that you remove your late fees that were applied to our account effective XXXX XXXX, 2016. The attached check copies ( XXXX - XXXX 2016 ) notes the dates our checks have been mailed to your processing and accounts receivable department well within the given grace periods allowed. 

Your average timeline of 10-15 days to receive and process our checks to be presented to our financial institution is at minimum concerning, thus need to be investigated by the U.S. Federal Trade Commission. There are no other creditors we are in relationship with present this business practice concern. We prefer to use checks when paying our creditors and for the exception of Quicken Loans , Inc. this method has been successful. 

The U.S. Postal Service branch offices have assured us on more than one occasion that once we place our mail with U.S. first class postage stamps in their receptacles ; whether at my local branch or within my subdivision, it should reach it assigned address and zip code within less than 10-15 days. Why is your organization the exception? When receiving mail delivered by the U.S. Postal Service from Quicken Loans, Inc. dates noted on the documents have never shown the 10-15 day time span. No, online or auto-pay are not options we would like to put in place, there have been several instances of fraud through these methods and has not proven worthy to us. 

Please review the attachments as consideration for removing your fees and processing your check payments in a timely manner in order to honor your noted grave period. 

Best regards, Cc : U.S. Federal Trade Commission Bureau of Consumer Protection XXXX XXXX, XXXX XXXX
Consumer complaint received 2015-10-10
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: NATIONSTAR MORTGAGE LLC (TX)

The use of XXXX affidavit by myself and Attorney XXXX XXXX in an effort to show the existence of a material fact issues for trial were essential to the judicial process itself and the standards for affiant-submitted evidence that XXXX violated must be examined in this case. Due to the magnitude and importance XXXX XXXX Expert Opinion could have to safeguard Texas home owners TODAY, it was imperative that XXXX XXXX 's sworn submission be sufficient in execution and substance to ensure the integrity of his statement. XXXX XXXX demonstrates he does not understand the legal significance of his statements and opinions and should be advised that this behavior brings question to his integrity, ethics, and his lack of professional standards contribute to additional erosion in confidence that Texas residents rely upon from the industry he represents. 
The affidavit submitted by XXXX XXXX demonstrates his indifference to the potential for punishment and adds additional questions of moral value for all appraisal professionals in the state of Texas. The affidavit that was submitted by XXXX XXXX was utilized to protect the integrity of the truth seeking process and to support the integrity of my claims before the courts. At the interest of all future Texas appraisers, the affidavit XXXX XXXX submitted should be utilized as an object lesson for other appraisers offering Expert Opinions in the state of Texas on what NOT to do when supplying a sworn affidavit to the courts.
Consumer complaint received 2016-08-10
Product: Mortgage — FHA mortgage
Issue: Settlement process and costs — 
Company: Rocket Mortgage, LLC (IL)

I came to XXXX to see my options for getting my mortgage payment decreased. They recommended Quicken Loans. I submitted my info through XXXX XXXX for Quicken Loans. After a few phone calls of no QL ca n't help you and then 1 yes, QL can help, I decided to listen to my options. I was told if I refinance my mortgage my mortgage insurance would not be included, my rate would go up, but the monthly payment would decrease ( because of the MIP ). I was told this several times by this same associate. At closing he assured me within a 6month time frame the mortgage insurance premium would fall off and I would see even more drop in my monthly payment. A year later I 'm fighting with QL because of what I was told. They are not holding up to what I was told. The calls are being recorded for " quality and training purposes '', however when I wrote a formal letter to their corporate office, I was told none of the calls could be found. They told me what I signed for ( saying my FHA loan has to have MIP for 30 yrs or until I refinance ), and told me I could refinance to have the MIP removed. I advised QL this is exactly what I was told when I switched from my previous lender to quicken loans. I DO NOT recommend quicken loans, their employees get paid to say whatever they need, to meet some kinda quota. QL are not XXXX or XXXX XXXX so no gov't agencies will assist with complaints or anything. I now have a higher interest rate and pay the same amount I paid with past lender. I lost my job, needed help with smaller payment and QL is doing nothing. I have n't missed a payment, I just wish I could find another lender.
Consumer complaint received 2016-10-18
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: BB&T CORPORATION (NC)

On XXXX XXXX, 2016 I enlisted the help of XXXX XXXX XXXX to help me get out of debt. I have a loan with BB & T that was at the time {$2300.00}. The proposal was that BB & T drop my interest rate to 5 % and my payments to be {$50.00} a month. Since XX/XX/XXXX, BB & T has taken my payments claimed numerous times that they have never gotten the proposal. I 've also been charged late fees and finance charges even though they 've been paid in full and on time. I 've been trying for months now to get BB & T to work with me, but all they will tell my third party company is that they are n't receiving any notification from either party which is absurd. According to my third party company, my loan amount should reflect {$2200.00}. It does not. With all the charges the loan is {$2200.00}. I rather BB & T reject my offer than play dumb and claim no one has heard anything about the issue. Since XX/XX/XXXX I 've been charge a {$10.00} late fee 3 times and a finance charge of {$32.00}, {$37.00}, {$32.00}, {$34.00}, and {$36.00}. How can they expect me to pay off my loan if I keep being wrongfully charged and ignored? I 'm paying them and yet they want to send me to collections, wo n't stop calling me daily to the point I 've had to block the number. Meanwhile my credit score is plummeting.
Consumer complaint received 2015-07-20
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: Grant & Weber (CA)

I received a medical debt in the mail that was not mine. I wrote the collection agency Grant & Weber, to inform them the debt was n't mine and I was a victim of identity theft. They never responded to my request or even replied " and again I disputed the debt because it was n't mine and was a result of ID Theft. 

This debt is fraudulent and has never been validated. It was been past the 30 days as law provides to validate this debt nor did they reply to my dispute as law directs them to do so. 

I applied for a credit loan and was denied due to their frauudlent reporting. 

I then check my credit and found the collection agency reported this fraudulent account on my credit file causing a major credit diminish to my exceptional credit. 
This collection agency never validated this debt within 30 days and then knowingly and purposely reported this fraudulent account that is not mine on my credit report. 
This a defamation of my character, malicious intent and a violation of my FDCPA, CA Rosenthal Act and California Identity Theft Act
Consumer complaint received 2017-02-17
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (AZ)

Approxamately 5 years and 6 months ago I rented an apartment at XXXX XXXX XXXX for a 1 year lease. From the day I had moved in, there were issues ( No initial cleaning was done prior to my move in to which the manager responded, " Well, You wanted to move in today '' ). Additionally, The several items I listed on my move-in inspection that were in need of repair and/or replaced were not attended to throughout the entire 7 months of me living there ( w/o incident on my part ). Finally, After having paid the 6 previous months rent with money orders, I was turned away and told they were no longer accepting them ( w/o any notice ). I attempted to return the money order to XXXX where I had purchased it, with no success, and after returning to XXXX to advise them that if they would n't accept my form of payment ( the same form as I have made for the prior 6 months without any issues ), I would not have access to retrieve the funds. They again, declined which resulted in my moving out and leaving the apartment considerably cleaner than it was upon my arrival. When we went to court, Their lawyer asked me to explain the situation, and when I did so, He advised the Judge that they wished to settle the matter as it currently stood with me owing nothing and no longer residing there. I have submitted the court documents to them several times with no cooperation or attempt on their part to even respond to me in any form.
Consumer complaint received 2015-12-19
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: Seterus, Inc. (OH)

I was making regular payments on my mortgage to the XXXX XXXX XXXX since XX/XX/XXXX. On XX/XX/XXXX the XXXX XXXX XXXX contacted me by written letter stating they were transferring me to Seterus, Inc. to service the mortgage. XXXX XXXX XXXX refused to accept my XX/XX/XXXX payment. I called Seterus six ( 6 ) times before they sent me a " Welcome Packet. '' received on XX/XX/XXXX. By this time I was two ( 2 ) payments behind because XXXX XXXX XXXX refused to accept payment and Seterus , Inc . had not sent me a coupon book or contact address or the new account number. Along with the Welcome packet came a letter in a separate envelope threatening foreclosure, and demanding payment for XX/XX/XXXX also. I was not late in any payment to XXXX XXXX XXXX but they refused to accept my checks! I could not pay Seterus, Inc because I did not have the new account number, or their physical address! I did pay the $ {$950.00} for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX. I have received no statement or payment coupon. I intend to pay ; but this whole effort was to put me in default so that they could foreclose on my house
Consumer complaint received 2016-07-03
Product: Mortgage — VA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (LA)

I lost my job in XXXX XXXX, was granted deferment until XXXX with BB & T mortgage. Started a new job in XXXX XXXX. Resumed my mortgage payments. Sent {$1700.00} on XXXX XXXX, XXXX, they refunded it on XXXX XXXX. Paid them {$14000.00} on XXXX XXXX, they refunded it on XXXX XXXX, XXXX. All I 'm trying to do is keep my house. I will not allow them to take it. I do n't know what they 're problem is but I need help.
Consumer complaint received 2015-11-12
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: Rocket Mortgage, LLC (GA)

I want to complain about Quicken Loans who holds my second mortgage. I was trying to refinance my first mortgage under the XXXX program to lower my monthly mortgage payment. 
Quicken refused to subordinate their loan although I have 75 % loan to value on the first and a combined loan of 95 %. I ca n't imagine why they are doing this. I declared bankruptcy about 6 years ago and could have included the second. I wanted to do the right thing and have continued to send my payment XXXX which became Quicken, over the years.
Consumer complaint received 2015-06-05
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (NC)

BB & T called in XX/XX/XXXX and stated that my wife ( ex-wife now ) had XXXX unsecured lines of credit that were in default and that since we were married and that I had accounts there as well, it was my responsibility to repay them or they would damage my credit. 

At that point I agreed to pay them a minimal amount each month to keep this from happening. I paid on those accounts until XX/XX/XXXX when my attorney advised me that I did n't have pay anything that I did n't sign for especially, under duress. 

These accounts were called into question when they were reported to the credit bureaus and I started phoning BB & T since there is n't anyone in the branches that really assist you anymore. XXXX XXXX sent me copies of the signature cards for those accounts and I immediately became alarmed because the signatures were n't mine or my ex-wife 's. 

First of all I removed her from my account in XX/XX/XXXX and had no other financial dealings with her from that point. She tried to get me to let her get her pay check direct deposited into my account in XX/XX/XXXX and I refused. She asked what she should do and I told her to go and open her own account, so she did, but I did n't sign for it or even know where she went until I saw a statement come in the mail. 

When I got the call in XX/XX/XXXX from BB & T, that was the first time that I knew anything about the XXXX account that was opened in XX/XX/XXXX. Since she did n't have much money and she did n't have her own business, I do n't know why she needed XXXX accounts. 

After getting nothing corrected with XXXX XXXX, I started going to the branches and had XXXX separate branch managers tell me that those were n't even the correct signature cards for those types of accounts and they did n't even have the correct account numbers on them. These were forged and created to attempt to force me into paying these debts that I do not owe. 

Attached to this complaint I will send a copy of the police report, the forged signature cards, the affidavit, a copy of my past and current signatures and the same for my ex-wife, a copy of the fraud response from BB & T. 

You can plainly see that these are not the same signatures.
Consumer complaint received 2015-07-17
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: NATIONSTAR MORTGAGE LLC (CA)

On XXXX XXXX, 2015, Nationstar Mortgage notifed me indicating that I owe hazard insurance for tthe property located in XXXX, TN. I pay my hazard insurance and taxes independent of an escrow account. I have attempted, several time, to contact NationStar Mortgage to resolve the issue ; however there has been no resolution and Nationstar has placed an additional insurance on the loan account charging me extra for the insurance and indicating I have a negative balance since I was not paying for the insurance. Please see all the attached documentation submitted to NationStar Mortgage. I have sumitted my certificate of insurance several times to NationStar Mortgage. I want Nationstar to remove the addtional insurance from my loan account and refund me any monies due.
Consumer complaint received 2016-11-09
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (OH)

PNC advertised a feature for its checking account which stated no fees would be charged to re-order checks. This was one of the reasons that I opened the account. However, after I had the account opened for a few years, the company decided they would charge fees to re-order checks that particular feature of my account would be eliminated. I believe this is a " bait and switch '' type scenario. It is not fair to change the fee structure/ terms of my account because the bank wishes to reduce its expenses. I understand that new account openings would be subject to pay this fee because the terms of the product offerings have changed and they no longer offer the product that I signed up for. I was " notified '' on an online statement ( which I admit I do not check ) that this would be occurring ; however, I do not feel it is acceptable to change account terms when the consumer has not violated any terms of their account agreement. In short, any fees assessed to an account need to be provided when the account is opened. This way the consumer can choose the best product for them. If the fee structure can be increased whenever the bank chooses, then there technically is not any way a consumer can know the actual terms of their product and make a correct selection. I chose a product based on the features it offered, and then that feature was taken away? This is not acceptable and in my humble opinion violates the very spirit of the UDAAP law. While this does not represent a significant monetary damage to my family, it does show that the banking industry is using deceptive marketing tactics to obtain customers and then unfairly removing features from accounts. I feel that I am justified to simply have the product I signed up for. If I bought a car with a navigation system and then the car company stopped putting them into their new cars, would the be justified to remove the navigation system from my car? In no other industry would this type of rationale be considered reasonable. Please consider my complaint and help me to simply have the product I signed up for.
Consumer complaint received 2015-10-06
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: PNC Bank N.A. (DE)

I get XXXX and get a monthly stipend around XXXX and I have the Prepaid card that is only a direct deposit way of funding my account. I tried to get another account privately and because I live in DE they would not open an savings account. There is a PNC Bank right down the street from me, XXXX I can walk to it to save bus fare and I tried too open a savings account and because of what XXXX said on it 's report PNC would n't open account. There are other banks but not that close, I like to do everything online and use less stamps to mail something when we have email. It has been three months since I asked for an appeal from XXXX or show me where they made the decision. I feel I will be embarrassed at every financial institution and because of that I have not tried other banks but when I hear a response from you guys I will do nothing. Please talk to PNC or XXXX and tell me why they said no. Thank you for your time.
Consumer complaint received 2016-03-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account — 
Company: PNC Bank N.A. (WA)

My mortgage provider is refusing to cancel my PMI and has required me to use an appraiser that they own ( thus their own bias ) to have my home appraised. What 's more the fee for this appraisal, {$500.00}, is far higher than any third party appraiser for a small, XXXX square foot residence. I would like to use an appraiser lacks the biased interest for the lender and allows me to reuse such appraisal if I choose another lender.
Consumer complaint received 2016-11-18
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: PNC Bank N.A. (PA)

PNC Mortgage and PNC Bank held the 1st and 2nd mortgage on my previous home. We settled on a short sale with both entities in XX/XX/2013. PNC Bank is still reporting our balance due on mine and my husband 's credit reports preventing us from obtaining a new mortgage so that we can move on after the hardship.
Consumer complaint received 2015-11-29
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

XXXX recently ( XXXX XXXX 2015 ) re-opened ( once again ) a previously closed account on my credit report which dropped my score by XXXX points. I am in the process of being a first time home owner and this has almost killed that possibility. This account was not only closed but should have been updated as settled. I have been going back and forth with this company ... to include a 30 day late that they added to a CLOSED account. Please review the previous cases with them as well as my supporting documentation of payment. Thank you
Consumer complaint received 2023-04-12
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: EQUIFAX, INC. (IL)

I ordered a copy of my report and I found out that credit reporting agencies still indicate my dispute of items in my credit report. As of todays date, the Credit Bureaus have not responded to my dispute. According to the Fair Credit Reporting Act, the Credit Bureau must complete their investigation within 30 days. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX