davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (TX)

I RECENTLY MOVED TO XXXX TEXAS IN XXXX OF XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN CALIFORNIA AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM EXPERIAN AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/XXXX XXXX
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TX)

I RECENTLY MOVED TO XXXX TEXAS IN XX/XX/XXXX. BEFORE NOW I HAVE ONLY EVER LIVED IN CALIFORNIA AND XXXX, A SMALL COUNTRY IN XXXX WHERE I AM FROM. I OBTAINED A COPY OF MY CREDIT REPORT TODAY FROM XXXX  AND I SAW ADDRESSES APPEARING IN MY REPORT FROM PLACES I HAVE NEVER LIVED. THEN, I SAW A BUNCH OF CLOSED ACCOUNTS AND A COLLECTION ACCOUNT. I HAVE NEVER HAD AN ACCOUNT SENT TO COLLECTIONS BEFORE BECAUSE I ALWAYS PAY MY BILLS ON TIME. I HAVE ALSO NOT USED A LOT OF CREDIT IN THE PAST BECAUSE I DON'T LIKE DEBT. I HAVE ONLY EVER HAD 2 CREDIT CARDS ; A XXXX XXXX CARD AND AN XXXX CARD WHICH I CLOSED WHEN I PAID THEM OFF. ANY OTHER ACCOUNTS IN MY CREDIT REPORT ARE FRAUDULENT. I DON'T KNOW WHAT I HAVE DONE TO ANYONE FOR THEM TO DO THIS TO ME AND I AM SCARED THAT MY INFORMATION IS IN THE WRONG HANDS. THIS IS THE FRAUDULENT INFORMATION APPEARING IN MY CREDIT REPORT ; ACCOUNTS : XXXX XXXX XXXX XXXX, XXXX NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX COLLECTIONS : XXXX XXXX XXXX, ACC NUMBER : XXXX, DATE OPENED : XX/XX/XXXX INQUIRY : XXXX - CARD SERVICE, INQUIRY DATE : XX/XX/XXXX XXXX
Consumer complaint received 2020-01-19
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers — Didn't receive advertised or promotional terms
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (NC)

Dear CFPB Mediator, I filed a complaint # XXXX on Bank of America credit card with regard to being tricked out of my card opening bonus of {$300.00} on XXXX. 
I received an email on XXXX from Regulatory Complaints Dept. of Bank of America, which says, Our Regulatory Complaints team has received correspondence on your behalf from the CFPB. I am your dedicated point of contact until this matter is resolved. Before I complete a review of your concerns, I need to confirm that you are the party who engaged the CFPB by speaking with you directly by telephone. Please contact me by XX/XX/XXXXto confirm that information. 
Please note that the Bank of America email address this is being sent from is not monitored for incoming messages ; therefore, please contact me directly at the number listed below at your earliest convenience. My days and hours of operation are Monday through Friday, XXXX XXXX XXXX XXXX XXXX. Pacific. 
I called the number in the email 5 times during Monday through Friday, XXXX XXXX XXXX XXXX XXXX Pacific. Each and every single time, I was directed to a voicemail, and there is a warning message, saying the number belongs to a collector. 
This seems further trick on me. Im very sorry that Bank of America credit card uses a collector to deal with clients who file CFPB complaints against it.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (OK)

I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( XXXX, EQUIFAX XXXX XXXX. THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXXXXXX XXXX XX/XX/XXXX XXXXXXXX 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 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (OK)

I HAVE BEEN A VICTIM OF IDENTITY THEFT BEFORE. I REMEMBER REQUESTING AWHILE AGO THAT A FRAUD ALERT BE PLACE ON MY CREDIT REPORT. BUT AFTER EXAMINING MY REPORT TODAY, I STILL SEE THAT THERE IS A BUNCH OF FRAUDULENT INFORMATION STILL APPEARING IN MY CREDIT REPORTS FROM ALL 3 MAJOR CREDIT BUREAUS ( XXXX, XXXX   TRANSUNION ). THIS FRAUDULENT INFORMATION INCLUDES CLOSED ACCOUNTS, COLLECTIONS ACCOUNTS, WRONG NAME, S WRONG EMPLOYERS, WRONG ADDRESSES AND INQUIRIES. I WILL LIKE ALL THE CREDIT BUREAUS TO REMOVE AND BLOCK THIS INFORMATION FROM APPEARING ON MY CREDIT REPORT AGAIN. IF NOT ALREADY ON MY REPORT I WILL LIKE AN EXTENDED FRAUD ALERT TO BE ADDED ON MY REPORT. I HAVE NO IDEA WHO THESE ACCOUNTS BELONG TO AND I HAVE NEVER RECEIVED ANY TYPE OF GOODS OR SERVICES FROM ANY OF THE COMPANIES LISTED IN THIS REPORT AND IN MY FTC AFFIDAVIT REPORT. I AM A VICTIM OF IDENTITY THEFT AND I HAVE NO IDEA WHO USED MY INFORMATION OR HOW MY INFORMATION BECAME COMPROMISED. 

XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX   XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX UNKNOWN XXXX XX/XX/XXXX XXXX XXXX XXXX   XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX # XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX I XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XX/XX/XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX XXXX, WA XXXX XXXX XX/XX/XXXX XXXX XXXX # XXXX XXXX XXXX, WA XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, OK XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX, OK XXXX
Consumer complaint received 2020-01-07
Product: Credit card or prepaid card — Store credit card
Issue: Problem with a credit reporting company's investigation into an existing problem — Was not notified of investigation status or results
Company: CITIBANK, N.A. (MA)

I was shocked when I reviewed my credit report and found late payment on XX/XX/2017 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me, or the payment was not applied as fast as expected. I checked my bank account and noticed that you deducted the money out of my checking account that on the month that you marked me late on my credit report.
Consumer complaint received 2020-01-07
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: FACTUAL DATA CORP. (WA)

There is old information that is not correct anymore. I want factual data to be correct with the credit bureaus and send me an updated report there are some old tax liens that are no longer apart Of my credit reports anymore
Consumer complaint received 2020-01-19
Product: Money transfer, virtual currency, or money service — Foreign currency exchange
Issue: Fraud or scam — 
Company: JPMORGAN CHASE & CO. (NC)

Appeal appeal appeal Chase manhatten bank REFUSAL Since chase manhatten continues to refuse to send me MY Legally entitled to documents in my names # 1 non authorized lines of creditXX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX Signed off by the Vice President chase manhatten XXXX XXXX California XXXX XXXX as recorded and attached at city of XXXX  XXXX va Deputy XXXX XXXX. 
ALL GRANTED AS SOLELY IN MY NAME XXXX XXXX BY XXXX XXXX XXXX UNAUTHORIZED TRANSACTIONS # XXXX XXXX RECORDED MERS LOAN against my sole residence XXXX XXXX XXXX XXXX va. A CD certificate # to XXXX XXXX  XXXX  XXXX va showing 100 % ownership. 
WHERE ARE THE DOCUMENTS FOR THIS CERTIFICATE ATTACHED TO THIS CFPB APPEAL # 3unauthorized MERS # XXXX CHASE MANHATTEN LOAN IN MY NAME XXXX XXXX XXXX Not authorized by me # 4 I was sole qualified owner and I paid XXXX XXXX dollars for down payment of a LOAN THAT CAN NOT BE FOUND .As per deed attached from city of XXXX Virginia in the name XXXX XXXX XXXX XXXX  XXXX . 
ET AL entity unauthorized. 
# 4 CHASE ACCOUNT OF XXXX AND XXXX ( attached on 1 XXXX  credit report that has numerous fraud activity on and still is not corrected but I am working on that ) THAT WILL PROBABLY SHOW WHERE my XXXX XXXX dollar proceed check of XX/XX/XXXX from my sole residence XXXX XXXX XXXX XXXX  XXXX va As per XXXX XXXX and XXXX XXXX review of all my documents trying to locate my accounts in bank of XXXX XXXX va.their findings found that my monies must have been transferred to a Chase Bank ALONG WITH MY LIFE SAVINGS XXXX XXXX DOLLARS AND THE CERTIFICATE MONIES AND XXXX XXXX DOLLARS FROM THE SALE OF THE RECORDED MERS LOAN OR THE MISSING LOAN. 
CHASE BANK I NEED ONE OF YOUR FINANCIAL CRIMES DETECTIVE INVESTIGATORS of your fraud department TO INVESTIGATE THESE transactions that took place in my names and issue me copies of these transactions. Your executive representatives that chase has been referring me to do not possess the skills as a fraud specialist of your organization would to locate these transactions.
Consumer complaint received 2020-01-19
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: Experian Information Solutions Inc. (CA)

My complaint is simple. I have a credit card account that is closed due to a hardship and we settled on a 60 month payment plan. However, Experian is still showing I have a credit limit even though the account is closed and thereby causing my credit report to show I am using 100 % of my credit which is false. On XXXX it is correct. XXXX is showing the true credit utilization rate but Experian is not. So when try to apply for financial services of any kind I am unable to get approved. This is causing me additional hardship due to not being able to come out ahead in my financial situation. I already filed a dispute but was not successful. I talked to an Experian representative but no luck. Sent a second dispute but no luck. Called credit card company but nothing they can do because it is already closed. So I need help with showing my true and correct credit utilization rate.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

To : Whom It May concern : I am writing to dispute a fraudulent charge on my account in the amount of {$1000.00}, {$22000.00}, {$42000.00}, {$10000.00}. 
I am a victim of Identity theft, and I did not make or authorize this charge. I am requesting that the charge be removed, that any finance other charges related to the fraudulent amount be credited, as well and that I receive an accurate statement. This request is made pursuant to the Fair Credit Billing Acts amendments to the Truth in Lending Act, 15 U.S.C. 1666-1666b, 12 C.F.R 226.13. See Also 12 C.F.R 226.12 ( b ) -- CLOSED ACCOUNTS 1. XXXX  XXXX  with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$1000.00} -This is not my account. 

2. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$22000.00} -This is not my account. 

3. XXXX CARD with ACCT # XXXX opened on XXXX XXXX, XXXX with a credit limit of {$42000.00} -This is not my account. 

4. XXXX CARD with ACCT # XXXX opened on XX/XX/XXXX with a credit limit of {$10000.00} -This is not my account.
Consumer complaint received 2020-01-07
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Don't agree with the fees charged
Company: Navient Solutions, LLC. (NM)

I set up an Income Driven repayment plan in XX/XX/2019 and have made two payments with the adjusted amounts. When I went to pay my bill in XXXX, the Navient website no longer shows my adjusted amount, but the full amount I would be paying without the IDR plan. When I called, I was told this is a new thing they are doing and the larger amount reflects fees, even though I am not supposed to be paying late fees. This is not noted at all on my account and now there is no evidence of my income driven repayment plan on my account. 

I was told to go ahead and make the payments I had been and there would be no penalties, however, the website is going to say I am late on my payment. 

Why isn't Navient required to show me my income driven repayment information on my online billing?? This makes it more difficult to accurately and timely pay my bill. 

My adjusted amount is {$190.00} and now I am being told my bill is {$510.00}.
Consumer complaint received 2020-01-19
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (MN)

The following accounts listed on my Experian, XXXX and XXXX XXXX credit report are fraudulent, unauthorized and not my accounts : XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX and XXXX XXXX. I sent Experian, XXXX and XXXX XXXX a police report regarding The fraudulent accounts. The XXXX Police Department police report case number is : XXXX
Consumer complaint received 2020-01-19
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Paramount Recovery Systems, L.P. (TX)

There is a medical debt in my credit report. I received a phone call from a collector ( paramount ) several months ago. I asked what the debt was in reference told. I was told it was in reference to a XXXX center in XXXX, Tx and was given a date a couple of years prior in the month of XX/XX/XXXX. I was told it was an anesthesia debt. 
I did not have any procedure at that office that would involve anesthesia. I immediately called the XXXX XXXX in XXXX Tx ( XXXX XXXX, who is my XXXX ) to check for any outstanding debts. I spoke with a billing clerk who located the last date I visited. It was confirmed that no outstanding balance that was owed. 
Paramount called back a few days later and I informed them of the information above. I did not hear anything further from them. I noticed my credit score drop, checked and found that this debt was on my report. 
It is not a valid debt, it is not a procedure that I had, furthermore, the office confirmed I did not owe, nor had they submitted any debt owed to them.
Consumer complaint received 2019-09-11
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Struggling to pay your loan — 
Company: Westcreek Financial (TN)

I received a furniture loan on XX/XX/2019. I financed around {$3000.00}. The same as cash loan was for 100 days. If you don't pay the loan off in 100 days, the fee is 105 % of the original loan. This is one of the worst finance companies I have ever seen as far as usury. 

They KNOW that most people can not pay {$3000.00} or whatever they're financing in 100 days then the lease fee kicks in. So I financed the {$3000.00} and I'm paying well over {$6400.00} to pay it off. This is more than TWICE what I financed.

I have been paying this loyally every two weeks and I'm pretty sure I've paid the original amount back and now in the process of paying the high lease fee payments.
Consumer complaint received 2020-01-19
Product: Debt collection — Mortgage debt
Issue: Took or threatened to take negative or legal action — Seized or attempted to seize your property
Company: Mr. Cooper Group Inc. (HI)

On XX/XX/XXXX I received a letter from XXXX XXXX. In the letter they stated they took over the servicing rights from XXXX loan servicing. This stated in their letter that XXXX XXXX as trustee of XXXX pass through trust XXXX Is the creditor to whom the debt is owed. 
I disputed the debt and validation was requested With a certified return receipt letter dated XX/XX/XXXX. 
I sent them two letters on XX/XX/XXXX. 
XXXX See attached XXXX They did not reply. 

I asked Mr. XXXX  many times for a recorded assignment of mortgage showing XXXX as creditor. 
They never provided assignments and records in land Court Hawaii never showed XXXX on record. 

On XX/XX/XXXX I received a letter from XXXX XXXX XXXX XXXX dated XX/XX/XXXX. 

I disputed XXXX XXXX XXXX Notice via Certified return receipt mail on XX/XX/XXXX. National creditors connection received it on XX/XX/XXXX ( see attached letter XXXX Their letter to me was sent on behalf of Mr. XXXX regarding an account with a debt of XXXX. 

30 days later XX/XX/XXXX I received another letter from XXXX Hawaii XXXX hired by Mr XXXX ) stating XXXX XXXX XXXX XXXX not in its individual capacity but solely as trustee XXXX pass through XXXX XXXX claiming a debt of {$420000.00}. 

XXXX See other complaint # XXXX XXXX They were advised by Mr. XXXX  about the amount of the debt and they were advised that the name of the creditor to whom the debt is owed is XXXX. 

XXXX owns XXXX/Mr. XXXX. 

I personally called XXXX XXXX XXXX and recorded the call on XX/XX/XXXX to verify the letter I received from them on behalf of Mr. Cooper. 

They verified that the information in their letter was 100 % true and correct regarding the stated debt that was owed to XXXX. ( I have a recording of the call with XXXX XXXX XXXX ) On XX/XX/XXXX I called Mr. XXXX XXXX 
They stated to me that on XX/XX/XXXX they see in their records that FORTRESS was the creditor. 

On XX/XX/XXXX I spoke to XXXX XXXX of national creditors connection. 
She verified the notice I received from XXXX XXXX XXXX was accurate and they were hired on behalf of Mr. XXXX. 
She verified with me that national creditors on behalf of Mr. XXXX  sent someone to my home on XX/XX/XXXX at 12 noon. 

XXXX XXXX XXXX XXXX address is : XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, California XXXX Phone number XXXX XXXX XXXX XXXX XXXX XXXX nor Mr. XXXX ever responded to my dispute letter to XXXX XXXX XXXX. 


Law firms representing the trust attempting to collect amount due from default in homeowners or properties in the trust the debt collection activities violates the federal fair debt collection practices act because the trustee had no right to pursue collections or foreclosure where it lacked a valid assignment.
Consumer complaint received 2020-01-19
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: SELECT PORTFOLIO SERVICING, INC. (NJ)

I filed a complaint already last year on XX/XX/XXXX with complaint # XXXX. Then I received a letter on my email on XX/XX/XXXX saying my complaint was closed because you couldnt contact me because you need more information. Im sorry but I just came back from vacation and couldnt reply to you. 

I would like you to please open that complaints again because its very important to me. Imagine XXXX  XXXX foreclosed on my house even though I filed for a bankruptcy protection agency in XXXX, NJ. I paid about {$77.00} first installment fee for a {$300.00} plus fee. The bank immediately informed the tenants to move away immediately because XXXX XXXX   foreclosed the house. They even changed the lock right away so one of my tenants who was on vacation couldnt go inside his apartment when he came back. His belongings were stuck in his apartment. The tenants were calling me to open up the apartment so they could get some clothings and other stuffs but I couldnt do anything because I didnt know who to call then. They locked the front door of the building so nobody couldnt go inside. What a terrible bank is it! 
I hope you could do something to help me get back my house. If you would go back to your file previously, I did asked for your help three times to help me ask the bank to give me a lower rate or do a modification on my mortgage. 
But the bank just ignored me until the sad part happened. Is there any chance to file a lawsuit against this horrible bank? Please let me know because right now Im poorer than a rat. 

Waiting for your reply. 

Thank you! 

PS One of your representatives I talk to last week when I received an email on XX/XX/XXXX regarding my complaint was closed said to file again this complaint separately. Because I filed four companies together in my last complaint # XXXX. 

One bank and three credit bureaus. 
So Ill file again 3 complaints regarding the credit bureaus. 

Thank you.