davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-03-24
Product: Debt collection — Non-federal student loan
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: SLM CORPORATION (NC)

I have a student loan with Sallie Mae. I have paid this student loan off in XXXX payments in XXXX XXXX and XXXX XXXX. I have submitted proof several times that I have made the payments. The proof I have submitted is the receipts and bank statements. I have been called a liar by Sallie Mae and have been told that I have altered the bank statements which is n't true. I have even offered a bank statement that shows the amounts being withdrawn from my account and the statement has been stamped and signed by the banks branch manager, Sallie mae has refused to look at this. Sallie Mae has defaulted my loan and has now threatened me to pay {$2600.00} by XXXX/XXXX/XXXX which I do n't have not should I have to pay because I have paid this loan off or they will turn this over to a collection department and this will be detrimental to my credit. I really need help with this so it does n't impact my credit. Sallie Mae has been the worse creditor to have to deal with.
Consumer complaint received 2021-04-21
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: SYNCHRONY FINANCIAL (NC)

On XX/XX/XXXX XXXX XXXX EDT, I called in and spoke with an agent ID XXXX. 

I made a payment in the amount of {$1000.00} and requested to allocate the funds as follows : 1. {$40.00} - monthly payment towards XXXX XXXX. {$200.00} - to close cash advance 3. {$0.00} - towards standard ( non-promotional charges ) 4. the rest of the money should go to the oldest ( by date ) promotional charges as the expiration date is approaching. 
Then I called in on XX/XX/XXXX and spoke with the account manager, agent XXXX and ask to correct the allocation as requested which I was told that the " correction usually takes 2 to 4 billing cycles ''. This is a deceptive practice as my statements show the opposite. PayPal credit is ignoring its own policies and continues trapping its consumers to pay unnecessary fees.
Consumer complaint received 2016-07-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Clarity Services (TX)

I writing you because I have no success with the credit bureaus or creditors. I check my credit everyday. I keep getting inquires on my report. Clarity Services Inc pulled a hard inquiry on my report. I have no ideal who this is. I called and no one knows anything. The reported on my XXXX. Notifying XXXX they never do anything. Hopefully you can get this company to remove this from my report
Consumer complaint received 2020-04-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: LoanCare, LLC (MA)

Hi, I noticed a drop of my credit score by XX/XX/11 due to a report from ( loan care service ) that I'm late 30 days on my mortgage payment, I tried contacting them during early XXXX XXXX XXXX payment ) but due to the high call volume I could not get through, decided to send a request on there web site which I did ( twice ) during XXXX, I did not get any response and still no one contacted me, finally i got through by calling and did all arrangement for mortgage deferment, but they could not help to correct my credit score. 
so I'm writing asking your help in such tough time, I'm not working as many in the middle of that pandemic and I did contact them using there web site as it was the only option, I need my score to be corrected so i could get through that time applying for SBA OR LINE of credit to get my business and employee back. 
really appreciate your help, XXXX XXXX XXXX ra
Consumer complaint received 2015-04-15
Product: Credit card — 
Issue: Balance transfer — 
Company: BARCLAYS BANK DELAWARE (AZ)

On XXXX XXXX, 2015 a balance transfer check was sent to Barclays U.S. Airways Dividend Miles Master Card ( Barclays ) account from U.S. Bank XXXX XXXX ( Visa ) account in the amount of {$4500.00} ( my entire balance ). XXXX has proof that Barclay 's cashed the check ; however, the balance transfer is not reflecting in my account. The balance on my Barclays card should be zero dollars. It is still incurring interest and I am being charged late fees, plus, the full balance is showing up on my Visa card and my Barclay card. This means that I am carrying double the debt and required to pay XXXX the interest rate charges. I submitted a formal complaint with Barclays on XXXX/XXXX/2015. My case number is XXXX. I faxed a typed complaint letter and a photocopy of the check to Barclays on XXXX XXXX, 2015. I have proof of that of fax confirmation.
Consumer complaint received 2016-06-15
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Having problems with customer service
Company: AES/PHEAA (VA)

I received a call from XXXX XXXX XXXX XXXX ( XXXX ) and agreed over the phone to have them consolidate and service my student loans. 
The next day I decided that it was a bad choice and overnighted a termination ( within 72 hours ) of the contract which I had signed the previous evening. 
The letter was un-deliverable to the address on their letterhead ( I have XXXX log of delivery and call attempts ) nor does anyone answer the phone that is also on the letter head. I have a copy of the letter as well as the un-opened package that XXXX was unable to deliver. 
Soon after they started to bill me for their services. I sent the log of the delivery attempts to the service ( XXXX XXXX XXXX XXXX ) they were using to collect payment. They agreed that I had done everything correctly and I received no more bills. 
At some point my student loans that were being services by XXXX XXXX were paid off. 
A couple of weeks ago I received a notification that I had late payments on my student loans. From the credit report I found where the loans went to but I had no access to the accounts. 
XXXX ( XXXX ) transferred my loans and created a new promissory note in my name. The note had their address and their telephone number. They sent me a XXXX for student loan interest which was also delivered to their address. 
They created a new loan with a promissory note in my name, affected my credit report which directly affects my work as a contractor with the Federal Government. 
In addition the address ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ca. XXXX ) that they are using and that also appears on my credit report is associated with multiple counts of fraud which are now related to me when running criminal reports.
Consumer complaint received 2017-03-08
Product: Mortgage — Home equity loan or line of credit
Issue: Settlement process and costs — 
Company: REGIONS FINANCIAL CORPORATION (FL)

We obtained an equity line from Regions Bank in XXXX, 2016. We were n't given the loan documents prior to signing them and still have not been provided with executed copies. We were told on more than XXXX occasion by the loan officer prior to signing the loan documents that we would not have to pay a {$1500.00} prepayment penalty if we closed the equity line within two years, if the reason for closing the equity line was due to the sale of our home. We recently sold our home. When we ordered the payoff, Regions included the {$1500.00} prepayment penalty in the payoff. We then spoke to the loan officer who confirmed that he told us we would not be responsible for the prepayment penalty if we were closing the equity line due to the sale of our home. He said we should n't be responsible for the fee and would work to get it waived. When we did n't hear back from him, we spoke to the area Vice President. Despite confirming the representations made to us, the area Vice President said Regions refused to waive the fee.
Consumer complaint received 2016-04-07
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: REGIONS FINANCIAL CORPORATION (LA)

Regions Bank is reporting a fraudulent credit card account on all three of my credit reports. XXXX, XXXX, and XXXX. I have disputed this account with all three credit bureaus and Regions Bank several times, and requested investigations. All XXXX credit bureaus informed me that Regions Bank verified and confirmed that the account belongs to me. I have not received any proof or documentation from Regions Bank that confirms this account belongs to me. I also submitted copies of the police report indicating that my personal information such as Social Security Card, Driver 's License, Birth Certificate, and briefcase that held all my credit cards, debit cards, and check book was stolen.
Consumer complaint received 2016-04-13
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: AFNI INC. (IN)

AFNI CALLED VARIOUS CELL PHONES AFTER CEASE AND DESIST IN VIOLATION OF YCPA, AND PULLED XXXX XXXX XXXX AND XXXX XXXX IN VIOLATION OF FCRA. FINALLY CALLED ALL MEMEBERS AT WORK WHERE THEY KEPT ASKING ME PERSONAL QUESTIONS IN VIOLATION OF DODD-FRANK ACT.
Consumer complaint received 2015-10-23
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: BANK OF THE WEST (IA)

We closed a checking bank account with Bank of the West after explicitly asking whether bank fees would artificially keep the account open. We were assured that the monthly fee charged or any other bank fee charged would not keep the account open, only outside charges. We also received the final amount in the account at that time. Since then, we have received an account statement showing that the account was still open and the monthly bank fee had indeed been charged so the account is now in a negative balance. Exactly the very thing we were told would NOT happen when we went in to close the account by an employee working at a branch of this bank.
Consumer complaint received 2016-05-22
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: BWW Law Group, LLC (MD)

1. 15 USC 1692c ( b ) - without my expressed prior consent ran an ad in the XXXX XXXX XXXX for 3 weeks 2. 15 USC 1692d ( 4 ) - harassed consumer ran ad in the XXXX XXXX XXXX for 3 weeks 3. 15 USC 1692c ( b ) without my expressed prior consent published information on the XXXX website for 21 days 4. 15 USC 1692d ( 4 ) harassed consumer by publishing information on the XXXX website for 21 days 5. 15 USC 1692e ( 2 ) ( A ) conducted illegal sale of consumer goods with false representation of the character, and legal status of the alleged debt 6. 15 USC 1692f ( 6 ) ( A ) conducted illegal sale of consumer goods with no enforceable security interest after receiving notice of rescission 7. 15 USC 1692g ( b ) failed or refused to provide validation and did not cease collection action 8. 15 USC 1692i ( a ) ( 1 ) failed to bring action in the judicial district 9. 15 USC 1692j ( a ) creditor not participating in action of debt-collector 10. 15 USC 1692k ( a ) ( 1 ) actual damages sustained by consumer for debt collector violating FDCPA
Consumer complaint received 2015-06-11
Product: Payday loan — 
Issue: Payment to acct not credited — 
Company: CASHCALL, INC. (CA)

Cashcall reported inaccurate derogatory information on my credit file. They have now changed their name to Loan Me with no working phone numbers to Cash Call. I called XXXX to get assistance since they are the same company with a different name and they refuse to assist. They state that I have to call Cash Call for help. I explained several times there are no working phone numbers and to please provide me one, however, they are unable to provide me any working numbers either - even though it 's the same company. They state that I have to go to XXXX and find a phone number. I explained again all the numbers on XXXX are non working numbers, and they still refuse to assist.
Consumer complaint received 2015-11-03
Product: Bank account or service — Savings account
Issue: Account opening, closing, or management — 
Company: HUNTINGTON NATIONAL BANK, THE - FIRSTMERIT BANK, N.A. BRANCH (OH)

After First Merit Bank branch manger XXXX XXXX learned that I and my wife had filed complaints against the bank, and after he ignored my attempts to contact him about the Bank 's FRAUD & PHYSICAL THREAT, XXXX called me to say that the bank decided to close out my checking and savings accounts. This is RETALIATION. This will now cause me great harm, as I have several bills automatically due and scheduled. This will cause me late fees and damage my credit score. Also, the bank is causing checks to bounce. Such RETALIATION by the bank is totally against the public interest. In light of this, I requested that the bank keep my accounts open for 30 days to allow me to rearrange my bill payments. XXXX ARROGANTLY refused.
Consumer complaint received 2015-10-31
Product: Bank account or service — (CD) Certificate of deposit
Issue: Account opening, closing, or management — 
Company: SCOTTRADE BANK (CA)

Scottrade, CFPB, and Others, I am the mother and joint account holder of a custodial Scottrade account. I recently wrote a letter to Scottrade asking questions about the custodial account. It appears as though Scottrade did not even read the letter because rather than addressing a response to me, XXXX XXXX XXXX XXXX, Scottrade wrote the the letter and instead addressed my son XXXX XXXX XXXX XXXX and did not address the issues that I raised in my letter. 

I would appreciate if Scottrade could read and address my concerns brought by both myself and my son.
Consumer complaint received 2019-02-16
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Can't stop withdrawals from your account
Company: PNC Bank N.A. (PA)

There were a few international charges that were flagged by my bank. I immediately called and had the card shut down and a new card was issued. I was told I was not responsible and the money was put back into the account. Several days later the charges reappeared. When I called the bank I was then told that I was given mis information by the analyst. Charges are still occurring days after the card was shut down. Now there telling me that I have to file an investigation when this card was allegedly shut down and the charges were removed from my account.
Consumer complaint received 2016-10-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: GREAT LAKES (TN)

I just sent this letter to mygreatlakes.com, it 's the second time excess payments have n't been made correctly. 

Please apply 100 % of my excess payments to the account with the higher interest rates immediately. 

XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$20.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$85.00} XXXX/XXXX/2016 - {$40.00} According to your repayment rules, there is zero reason for the monthly payment for loan token XXXX to be going up each month. My payments being made in excess should be going towards token XXXX, as outlined in my overall account, and as each payment is made. I choose for 100 % of the excess payment to go towards token XXXX with the higher interest rate, and it NEVER happens correctly. 

Please contact me as soon as you can. This is the second time I 'm contacting you about this problem after I was told it had been resolved over the phone. I will be contacting the CFPB as well with this exact letter for the second time.
Consumer complaint received 2016-09-13
Product: Consumer Loan — Installment loan
Issue: Taking out the loan or lease — 
Company: Risecredit, LLC (TX)

I attempted to secure a loan using Rise Credit. After waiting several days for a response, I called and they informed me that they were not able to continue to process my application because there is a fraud alert on my credit report and I must contact to credit bureaus in order to update the phone number or have the alert removed. I informed them that the alert was removed several months ago and there is no phone number to update. They then told me that they are getting an alert when they attempt to view my credit file. I did a conference wall with a representative from Rise Credit and the credit reporting company they said they used, XXXX. During the conference call, the representative from XXXX stated that there is no fraud alert or consumer statement on my file, and this was heard by the representative from Rise Credit. They informed me that the application would have to expire and then I could resubmit an application. The application expired on XXXX XXXX, XXXX and I resubmitted an application on XXXX XXXX, XXXX. I called the following day, XXXX/XXXX/XXXX and the representative told me the exact same thing, that an alert was on my file and I would need to update the phone number so they can call to verify, or have the alert removed. I then spoke with a gentleman named XXXX, who works in their verification department. I did a conference call with him to the credit reporting agency again. During the call, he heard the representative say that there is no fraud alert or consumer statement on my file. They have not attempted to access my credit report, or they would know there is no alert. The last time they accessed my credit file was XXXX XXXX, XXXX, and at that time there was a fraud alert on file, but it has since been removed. 
There lack of proper handling of my application has caused undo XXXX and time.
Consumer complaint received 2016-05-04
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (OH)

We were in Bankruptcy and home loan with green tree! As, of XXXX XXXX United States bankruptcy court XXXX district Ohio XXXX division Judge XXXX XXXX XXXX sent copy of " Order granting trustees motion to determine final cure and payment of mortgage ( Doc. XXXX ) Served via regular mail : Green Tree Servicing LLC. XXXX XXXX XXXX XXXX XXXX, SD XXXX. 
On XXXX XXXX 2015 I was now to pay mortgage payment to Green tree since bankruptcy was over in the amount of {$1100.00}. I paid {$1100.00} on XXXX/XXXX/2015 n {$5.00} on XXXX/XXXX/2015. Payments received.XX/XX/XXXX I receive monthly billing statement for amount of {$5800.00} stating account severely delinquent stating no payments made for XXXX/XXXX/2015, XXXX/XXXX/2015, XXXX and XXXX/XXXX/2015. The bankruptcy courts paid thru XXXX 2015 payment. The final cure shows paid in full. I paid XX/XX/XXXX payment they even thanked me on XX/XX/XXXX bill for amounts paid and I was holding XX/XX/XXXX bill in my hand and they printed it was not paid. Really seriously makes no since. We hired an Attorney to clear up this matter in XXXX 2015 he sent letter to Ditech whom took over Green tree with no response. On XXXX XXXX, 2015 and XXXX XXXX our Attorney sent more letters still no response. I have called written letters pleaded for someone to help us but to no avail has anyone been helpful. Our credit report shows we are delinquent 90 days or more to Ditech. XX/XX/XXXX monthly statement now shows no amount for current payment amount due. ' This is not a bill. This statement is for informational purposes only. Please pay bankruptcy trustee or Ditech. Omg!! Our billing statements now are being sent to our Attorney address which they wrote incorrect but he still receives them. What is going on with Ditech please help us resolve this matter.
Consumer complaint received 2015-11-09
Product: Debt collection — Credit card
Issue: Communication tactics — Called after sent written cease of comm
Company: GMA Investments, LLC (NY)

This agency has been calling my home every other day leaving messages and threatening to look up my job info if they donot hear back from me and other threatening tactics. I have send a cease communication letter in writing XXXX/XXXX/15 asking to only be contacted by mail, they have since called again on XXXX/XXXX/15 & XXXX/XXXX/15 leaving messages.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (TX)

I had a water claim in my home. My mortgage company ( Ditech ) has been extremely difficult to work with. They have held onto checks I received from my insurance company to the point where I have contractors very angry with me because I have not paid them. I can not pay them what they need without the checks from my mortgage company. Not only are they taking weeks to endorse the check and return it to me, they are also keeping a good portion of the checks even after the work has been completed by contractors.
Consumer complaint received 2015-07-29
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

Both of our mortgages were sold to Green Tree Servicing , LLC by XXXX XXXX XXXX. XXXX were the original mortgage lenders. Both mortgages # XXXX and XXXX, are in foreclosures status. We are trying to work out an amicable and achievable modifications for both. On XX/XX/XXXX, I received a call from Green Tree, rep, XXXX regarding account # XXXX. He proceeded to inform me that I was missing some documents and missing info on XXXX form. He was very rude, derogatory and belittling. His tone was offensive. I finally requested that he does not call me anymore. My husband and I already feel bad about being in this position. We are not criminals, which was how XXXX was conducting our conversation. When I told him that he lacks customer service skills, he proceeded to inform me that he 's a debt collector, he implied that he operates under a different set of rules. Are debt collectors allowed to demean and 'bully ' their clients??? 
I would like both of our mortgages to be sold to another mortgage lender before re-modifying.
Consumer complaint received 2016-08-11
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (FL)

We were offered XX/XX/2016 a recast offer from ditech with instructions to sign form if interested and pay the reduced payment of XXXX for XX/XX/XXXX ... XX/XX/XXXX and XX/XX/2016..after researching if to our benefit we signed and sent in payment was instructed. By XX/XX/XXXX we received phone calls looking for our payment..we explained and after searching were told the funds were in a different account waiting approval of recast..This went on each month including literally dozens of phone calls sometimes two and three daily and numerous correspondence. in the mail..Letters telling us we could no longer afford our home and steps we could take to avoid foreclosure ... Each representative we spoke some for hours trying to straighten out the confusion told us a different story and that the problem would be rectified ..only to have a repeat performance within days. 
We are XXXX and XXXX years old respectively and neither of us in the best of health..We rely solely on our SS payments which we receive the fourth Wednesday of each Month. our Bills are payed immediately upon receipt of funds in our bank account..our mortgage payments are always made ahead of time yet since the recast debacle they keep telling us our payments are late and charging {$26.00} late fees each month ... which naturally facilitates more phone calls..one which occurred minutes before sitting down to write this missive. The rep. proceeded to tell me there were no late fees ..but my payment was XXXX dollars short but could n't tell me what the shortage was for..yet the new statement received days ago clearly shows late fees listed. 
At this point our nerves are completely shot and we are at our wits end. 
We inherited Ditech this past year from our former mortgage holder of a year that was greentree.finace another inherited mortgage company..Please any help you can offer would be greatly appreciated.. sincerely, XXXX XXXX XXXX