davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (VA)

My mortgage is serviced by LoanCare. My house initially had PMI, but I sent a request on XXXX XXXX, XXXX requesting PMI termination. My house was then appraised by an appraiser they sent and found to be below 80 % LTV so the appraiser recommended to LoanCare that PMI be removed. I received no confirmation, but assumed it had been done. I noticed looking at my yearly mortgage statement in XXXX XXXX, that I was still paying PMI. I sent a letter again asking why it had not been removed. I received a response saying my PMI would be cancelled. When I looked at my yearly mortgage statement for XXXX, I found out I was STILL paying PMI. LoanCare has not done anything about its removal after several requests.
Consumer complaint received 2016-09-06
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (NC)

My home located at XXXX XXXX XXXX, XXXX XXXX, PA XXXX is being auctioned on XXXX XXXX of this month for the 2014 taxes not being paid. I reached out to Loancare Servcing to resolve the issue, as my taxes were escrowed through them. My XXXX 2014 mortgage statement shows the taxes were paid, but they were never received by the local tax collector. The tax collector said the taxes either have to be paid or I can give them a copy of the cancelled check to stop the auction. I reached out to Loancare, and they have been non-responsive to my request, despite the urgency of the matter. I emailed them on XXXX XXXX, as per their request, and they said they would get back to me in 5-7 business days, and they never did. I call every day and try to speak to the manager ( XXXX XXXX ) at Loancare Servicing, but she never calls me back and no one else can help me. I was told I can not reach the tax department by phone, so I have to just wait. I did fax them all the information in addition to emails and calls I have sent. I need your assistance to try to resolve this matter before the tax sale on XXXX XXXX since Loancare Servicing is not doing their part. Thank you! 

XXXX XXXX XXXX, also XXXXXXXXXXXX
Consumer complaint received 2016-09-27
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: LoanCare, LLC (CA)

Mortgage servicer Loancare has repeatedly failed to credit our account after cashing payments. Just months ago fought through their system to get our payments credited to account but now its happened again and they are negatively impacting our credit rating and in essence creating a XXXX job for us to have our payments credited.
Consumer complaint received 2015-03-25
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Focus Holding Company (TN)

Repeated " Robo-calls '' with no information other than asking for you to call their XXXX number to collect a debt. They call 1-2 times a day. Caller ID says " Focus RCV MGMT '' Online Search calls the company " Focus Receivables Management '' and this is a common issue.
Consumer complaint received 2016-10-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Focus Holding Company (NJ)

Focus Receivables claimed to be my electric company and threatened to shut off my electric if I did not provide my credit card or a check over the phone in the amount of {$1400.00}. XXXX bill is paid up and I believe they are actually working for XXXX. Debt is only XXXX.
Consumer complaint received 2022-10-02
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (TX)

On ( XX/XX/2022 ) sent a letter regarding inaccurate and unknown things on my credit report to this day over XXXX days later I have not received a response yet. feel like i'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that failure to investigate these items within XXXX days gives a reason to immediately remove those items from my credit report. It has been over XXXX days so they should be deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to the stress you caused me. My information was also impacted by the Equifax data breach and XXXX have got into the hands of the wrong person.
Consumer complaint received 2015-10-01
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: North Shore Agency, LLC (VA)

XXXX asks you to buy items to promote their sweepstakes. Although you pay them they do n't apply the correct payment, always leaving a balance you have to pay. I know I paid them in full. They call me XXXX or XXXX times a day, do n't leave a message and no identification of their telephone number which happens to be XXXX, and XXXX
Consumer complaint received 2016-05-27
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: Credit Adjustments Inc (OH)

This collection account appeared on my credit report fraudulently. I have never been billed by any medical provider or received any correspondence from Credit Adjustments Inc. about owing any debt. This item has been placed on my file without giving me the option to dispute the account, because the debt is not mine. I have filed disputes with XXXX and the company continues to auto-update the account without any proof of it belonging to me. I would like this item removed immediately.
Consumer complaint received 2016-09-15
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Capital Accounts, LLC (TN)

I just found out that my credit card with Capital Accounts was put on collections without my knowledge. I request this account to be removed and the harassment calls to stop immediately. I never received any notice or last bill from the medical institution and know this bill is under collection.
Consumer complaint received 2017-03-10
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (TX)

The XXXX Homedepot collected a payment of {$520.00} via the phone for a recent flooring project and it is not reflected on my card statement. This payment was made after Homedepot charged my account for {$4000.00} plus dollars. The Rep said it was an additional charge that the installer quoted during the job and I had to pay it. In order for the job to be completed, I promptly paid it. They placed me in a very bad situation by not even allowing me a day to sort things out. Although I had paid upfront for the job based on the quote, they suddenly came up with this overage out of the blue. Now, the money has not been applied to my credit card account. I contacted XXXX XXXX, manager at Homedepot, and he indicated that the accounting dept would contact me. I have not been contacted. I will attach my documentation so that you can clearly see that my payment is not reflected. This concerns me and I think someone at Homedepot has mis-applied it to another account or even worse, my have placed the funds in their account.
Consumer complaint received 2016-11-14
Product: Student loan — Non-federal student loan
Issue: Can't repay my loan — Can't temporarily postpone payments
Company: SLM CORPORATION (GA)

I am involved in a court case involving child custody, and based upon the court hearing, there is some indication that Sallie Mae may have released my confidential loan information to parties that are not listed on the loan. I have read their confidentiality policy, and what information they release and which parties they are authorized to release it to and I know for a fact that I did not authorize a release of the information to any of the parties that were in the hearing and I know that none of them are the listed parties that Sallie Mae can release my loan information to. 

Additionally, there is some indication that the parties involved in the law suit ( which are not involved in the loan ) made a fraud allegation in regards to my loan that are unsupported so now the loan is in default.
Consumer complaint received 2015-05-04
Product: Bank account or service — Checking account
Issue: Account opening, closing, or management — 
Company: EAST WEST BANK (TX)

I would like to report a dishonest business practice of XXXX. The bank has charged service fees on my accounts without my consent. I had a checking and saving account with XXXX before and now they merged into East West Bank. XXXX of my accounts have been charged service fees every month after they merged into East West Bank without any notices. On XXXX XXXX, 2015, I talked to the branch manager ( XXXX XXXX XXXX ) in person and explained the situation to him and hoping he could give me some help. However, he was not helpful at all. He refused to credit me back the service fees and tried to put the blame on me instead. I was shocked by the dishonest business practice and the lack of professionalism of the branch manager.
Consumer complaint received 2017-01-23
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: SLM CORPORATION (PA)

I have recently graduated and surpassed the six month-post-graduation deferment status. I intend on continuing my education, but until then I planned on paying on my student loans. When I had initially called Sallie Mae, and XXXX, and Sallie Mae, and XXXX again ( due to their incredibly confusing split of my loans after I had taken them out ) they had given me one specific payment of which was reasonable. When the bills actually arrived in the mail they were quadruple what I was told on the phone a few months prior. Without having been employed in my field yet, I was able to pay the original stated payment but can not afford what they are claiming I must pay monthly now. Every time I call I reach a different person who is insistent on handling my call rather than trying to transfer my call to whom I had spoken to the last time, this leads to ever changing advice and totals. Every time I call they give me a different amount, date, and information. I am so overwhelmed because I feel as though Sallie Mae and XXXX have successfully made this process way more confusing and difficult by splitting companies and loans without any prior notice.
Consumer complaint received 2015-09-15
Product: Mortgage — Conventional fixed mortgage
Issue: Settlement process and costs — 
Company: LoanStar Home Lending (CA)

the lender raised the interest few days before closing the deal of buying a house at this point I had no choice but to accept otherwise I will lose the house. 
few months before I was approved for 4 % from other lenders before. upon finding the right house I signed a contract with the suggested lender from my agent XXXX to make the deal as fast as we can ) with interest no more than 4.25 % and he promised to try to get it around 4 % and they gave us an approval letter after I gave him all necessary documents. 
and few days before closing the lender amend the contract upon his request to change the interest to 4.625 % and I had to accept in order not to loose the house. 
more over the lender sold the loan to another company ( XXXX ) within 1 month only ( it looks increasing the rate makes it very easy to sell the loan to other company with good profit ) I asked to get copy of the original contract but the lender did not responseI will submit attached the amendment to change the rate from 4.25 % to 4.625 % on page XXXX from the file.
Consumer complaint received 2016-11-18
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Fay Servicing, LLC (TN)

This is additional information not a duplicate. My servicer has me documented as having a second mortgage on the papers he submitted to CFPB in response to my complaint. However, I have " NO '' second mortgage and " that '' is the money that is being disputed. If you look at the documents that I have already submitted you will see that my servicer has that same money documented as " deferred fees ''. However, I did n't notice this until after my response had already been submitted. My case number is XXXX
Consumer complaint received 2016-02-08
Product: Debt collection — Auto
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Optio Solutions, LLC (AZ)

I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission I called today at XXXX to try to get some inofrmation on some ACH checks that were runned in my checking account 3 times, without my permission, I spoke first to XXXX and with XXXX or 2 mins of the call interrupted me and told me pretty much she did not want to listen to my story and to tell her why I was calling, I told her about the ACH check and she said they are not responsible for them and hung up on me. I called back and spoke to XXXX who claimed he was a supervisor and I expressed to him the issues that I am having with ACH ran on my account several times and mind you they have already been paid. He started making fun of me because I accidentally said I did collections for 30 years in reality XXXX and said so you started doing collections at XXXX and laughed at me and embarrassed me to others. He refused to give me any information or their fax number to send them the proof of my checks that I now have {$320.00}. negative balance because they ran it so much. XXXX also hung up on me. I called back and spoke to another lady who I do not remember her name who claimed she was a supervisor and was actually a pleasure to talk to
Consumer complaint received 2016-09-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: SUNTRUST BANKS, INC. (VA)

SunTrust Mortgage , Inc is refusing to endorse and release funds from a insurance claim to me in order to have the repairs completed on my home. There is not heat or A/C in my home and the risk of damage increases each day they delay this process
Consumer complaint received 2016-08-15
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: SUNTRUST BANKS, INC. (VA)

My car note is due to SunTrust on the XXXX of each month. As a condition of getting a preferred interest rate, SunTrust required the payment for the auto loan be made from a SunTrust checking account. Each month, several days before the XXXX, I submit a request to XXXX XXXX XXXX to send a deposit to the SunTrust Account. I do n't use the Suntrust account for any other purpose. On XXXX XXXX, I entered a " billpay '' for {$850.00} into the XXXX XXXX XXXX system, to be sent to Suntrust. According to XXXX XXXX XXXX records, the payment was delivered to SunTrust on XXXX XXXX. Despite that, SunTrust did not credit the checking account with the funds transferred from XXXX XXXX XXXX until the XXXX of XXXX, XXXX day after the payment was due. The automatic debit from the SunTrust account was declined as insufficient ; SunTrust also charged me late fees on the loan. There is also a {$10.00} service charge on the checking account every month. The fees totaled {$100.00}. I paid well in advance of the due date. I have proof that SunTrust received the funds. I would like a refund of the {$100.00} and a different payment method from SunTrust. Similar transactions have occurred three times during the life of this loan, which is not quite three years ago. I have also complained to XXXX XXXX XXXX, because I do n't know whether the transfer from XXXX XXXX XXXX actually reached SunTrust by the XXXX as the XXXX XXXX XXXX records indicate. 
Thanks for anything you can do to prevent this from recurring.
Consumer complaint received 2016-06-06
Product: Debt collection — Mortgage
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: SUNTRUST BANKS, INC. (DC)

I have a VA loan with Suntrust and have made continual efforts to set up automatic payments. Every time I do it does n't work and I am late on a payment. They report that to my credit report immediately then start calling at all hours of the day even on Sundays. This month it happened again and though I was only a month behind they sent me a letter stating that they were going to foreclose on me in a month if I did n't have it paid by then. I of course immediately paid it, but I do n't feel as if these tactics are ethical or lawful. I am trying to refinance with a company who does n't pull such shady tactics but my credit has been affected by the " missed payments ''. I also feel like they purposefully and continually have " problems '' setting up autopay just to encourage a default on my property, especially as it is now worth double what I owe on it.
Consumer complaint received 2016-07-07
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: MIDFIRST BANK (IL)

We had a house fire in XXXX 2015 and have been making repairs to the home in order to move back in. Over the course of the repairs all money from the insurance company was required to be submitted to Midland Mortgage then dispersed to us as repairs were made. Along the process they required arbitrary inspections to determine the amount of our insurance money we were entitled to. At one point they declared us at XXXX % complete, then shortly after decided we were actually at XXXX %. Now we are towards the end and need the final funds to complete our repairs and get back into our home. The most recent inspection stated the house was XXXX % complete. At this point, we have used all of our available cash and maxed out XXXX credit cards to purchase building materials because of delays caused by Midland. In addition, we are paying {$1000.00} per month rent as well as utilities on XXXX houses. Midland refuses to release us from the requirement of the insurance money going to them first even though XXXX XXXX of Midland stated once it got to XXXX % complete they would release us. They are now stating the house needs interior doors, landscaping and carpet in XXXX bedrooms. They claim this is XXXX % of a $ XXXX claim. We have approximately XXXX due to us from the insurance company that would allow us to complete the house and move in this month yet they refuse to release us. It is my belief they are attempting to force my mortgage into default and seize my home. As of now we owe approximately XXXX on the home and once complete it should appraise for approximately XXXX, incomplete it should be worth considerably more than my mortgage balance, meaning their collateral is secure and they should be working with me to get me back into my home and my home completed.
Consumer complaint received 2015-06-09
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: IQOR US INC (UT)

I continue to get calls from an number and nobody would answer when i called back. XXXX. Turns out it belongs to Allied Interstate, a debt collection company. Their phone number does not identify them as a debt collector or a company at all when you call them. Additionally, when the gentleman answered the phone he refused to tell me 1 ) the phone call was being recorded ( I found that out on their website ) and 2 ) that he was in fact a debt collector. He simply demanded to talk to someone by name at my phone number. I asked him if he was a debt collector and he refused to acknowledge it. I told him I could neither confirm or deny knowing the person he was trying to reach until he identified himself completely. Which he did not. I then terminated the call and told him he may not contact my telephone again.
Consumer complaint received 2016-08-26
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: CarMax, Inc. (GA)

I have a car loan through CarMax Auto Finance and submitted 'Principle Payment Only ' payments to them in XX/XX/XXXX and XX/XX/XXXX. The first payment was in the amount of {$2100.00} and the second one was in the amount of {$1200.00}. Each time the finance company deducted interest from the payment instead of applying the complete amount to the principle. Multiple calls had to be made to have them correct the issue. The customer service agents seemed unconcerned and unaware of the gravity of the error. CarMax Auto Finance had stated several times that I needed to contact them after the payments were made to let them know that the payment was on the principle, so they could apply the amount correctly. Each check had 'Principle Payment Only ' clearly written on it.
Consumer complaint received 2021-04-21
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 — Was not notified of investigation status or results
Company: EQUIFAX, INC. (IL)

I FILED A DISPUTE WITH THE CREDIT REPORTING AGENCIES LAST XX/XX/2021 IN REGARDS TO INACCURATE INFORMATION REPORTING ON MY CREDIT REPORTS. I NEVER RECEIVED ANY NOTIFICATION IN REGARDS TO THE INVESTIGATION RESULTS. IT HAS NOW BEEN OVER 52 DAYS. I FILLED A 30-DAY DEMAND TO COMPLY WITH THE CREDIT BUREAUS AND STILL HAVE YET TO RECEIVE ANY RESPONSE.
Consumer complaint received 2017-01-19
Product: Student loan — Federal student loan servicing
Issue: Dealing with my lender or servicer — Trouble with how payments are handled
Company: Navient Solutions, LLC. (OR)

While using Navient our payments show as being split across multiple loans. The split appeared to be mostly even ( $ XXXX {$35.00} to each loan ) however upon digging we found that for the smaller loans they would only apply {$1.00} to it. This effectively makes a {$100.00} loan go from 4 or 5 payment cycles to XXXX. We have also found that we were never notified of a deadline to resubmit our financial status by to ensure low payments but would receive a notice about how they reevaluated and what our new payment would be.