davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (AZ)

XXXX acting on behalf of one of my investors, Citigroup Mortgage Loan Trust, has violated the Fair Review Process requiring servicers to review and respond to a request for modification within 30 days. Originally I submitted a compliant because XXXX XXXX XXXX moved forward with foreclosure procedures after receiving a full file submission XX/XX/XXXX. The day after filing their response to the CFPB compliant I was decline a modification on or about XX/XX/XXXX. XX/XX/XXXX XXXX XXXX XXXX decided to review my case again for possible modification and requested updated documentation, which was sent on XXXX XXXX via email, which they never responded to confirm receipt of documents, which is required. At that time I was told that now I qualified to be reviewed for HAMP and that 's why they were requesting additional documentation. On or about XX/XX/XXXX I called and confirmed the documents were received and submitted to underwriting for review. On XX/XX/XXXX, I called to check the status of the review and if my foreclosure sale scheduled for XX/XX/XXXX was postponed. I was told that they would not make that decision until XX/XX/XXXX. I then called on XX/XX/XXXX and the sale was still not postponed. When I followed up on XX/XX/XXXX I was told that the sale had been postponed to XX/XX/XXXX. On XX/XX/XXXX I called to follow up on the status of my review and was told my request for modification was declined on XX/XX/XXXX and a decline letter was sent out on that day. It took XXXX XXXX XXXX 40 days for them to review my request and I had to contact them to find out I was declined. Since I filed my first CFPB compliant the phone calls from my relationship manager ceased. 
For the XX/XX/XXXX decline I was told it was because I did n't meet the NPV guidelines. For the second decline I was told because I declined a HAMP modification in XX/XX/XXXX. However, upon review of the HAMP guidelines, I still meet eligibility to be reviewed again for HAMP. I did not default on the HAMP Trail by completing all three required payments and HAMP mod was not completed. There is not rule against declining the modification, which would have raised my monthly payment and set my interest rate higher than my current rate after 5 years. 
XXXX XXXX XXXX has continued to lie to me, provide false and conflicting information and violated CFPB rules in regards to borrowers who are facing foreclosure. Due to this I am looking at filing a Chapter XXXX bankruptcy to save my house.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

We would like to reopen CFPB complaint case XXXX because the representative for mortgage holder XXXX XXXX XXXX : Bayview Loan Service 's response of XXXX XXXX, XXXX XXXX see attachment ) to the original complaint was a lie : ( 1 ) Their representative, XXXX XXXX XXXX XXXX informed us in XXXX of XXXX our title was clear, and that there would be no further issues regarding our permanent modification. 
( 2 ) He wrote in his response to you, which we received a copy of : " Once XXXX XXXX completes the final trial period payment [ which he did XXXX, XXXX XXXX will be mailed a loan modification agreement containing the loan modification terms detailed in the TPP notice as mailed on XXXX XXXX. '' ( see attachment ) ( 3 ) However, we just received an outstanding lien notification from Bayview dated XXXX XXXX ( see attachment ), stating there are XXXX liens in " Exhibit A '' ( see attachment ), and if not satisfied, the loan will be submitted to " modification denial review '' or foreclosure. This was sent after the time period in which our case with the Consumer Financial Protection Bureau was closed, on purpose no doubt. While we have fulfilled all terms of the trial agreement in a timely fashion, Bayview has not fulfilled theirs. No modification paperwork has ever been received. 
XXXX 4 ) Of the XXXX liens submitted to us as " Exhibit A '', XXXX are obviously bogus ( see attachment ) : & gt ; XXXX are from the State XXXX which date to a time when we resided in XXXX State and did not own this property. XXXX dates to XXXX while the other to XXXX. We purchased this property in XXXX. 
& gt ; XXXX are liens on a XXXX XXXX XXXX and a XXXX XXXX XXXX. My name is XXXX XXXX XXXX. Additionally, we do not recognize these XXXX so-called liens as being legitimate in any shape or form. 
XXXX XXXX XXXX XXXX of Bayview lied about our title being clear in the first place, and further, piled bogus liens onto our title. They have a history of playing tricks like this, and apparently are doing the same to us. This link leads to XXXX, XXXXstar reviews of Bayview Loan Services on Consumer Affairs XXXX Those reviews indicate a history of trick-playing stunts like the XXXX Bayview is currently trying to play with us. 
As supporting documentation, I have attached the following : ( 1 ) Bayview Loan Servicing , LLC 's original response to our original complaint, dated XXXX XXXX, XXXX. 
( 2 XXXX Bayview Loan Servicing , LLC 's original proposed modification terms, dated XXXX XXXX, XXXX. 
( 3 XXXX Receipts indicating I fulfilled the modification term requirements, dated, XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX, respectively. 
( 4 ) The most recent communication from Bayview Loan Servicing , LLC, which now states there are liens on the property, XXXX of which are definitely fraudulent.
Consumer complaint received 2015-09-23
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

Select Portfolio Servicing ( SPS ) has now contact family member in attempt to harass me for a mortgage loan that was dismissed by a judge. I have made prior complaints on SPS for leaving notes and taking pictures of my property every month on Saturdays, but now they are calling my relative in attempt to humiliate me more. I want SPS to stop with harassing tactics and leave my family and relatives alone. Please advise,
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (TX)

I began an application for a mortgage with XXXX XXXX Bank. They utilized XXXX XXXX - XXXX OR ( XXXX ) for credit analysis. XXXX sent me their analysis which showed that Experian, on XXXX/XXXX/2015, reported adverse information about my credit, including : Ratio of Balance to limit on Bank Revolving or other Rev Accts too highToo many accounts with balancesToo Many accounts recently openedWhen I attempt to call Experian, or access their identified website, there is absolutely no means to inquire about the info or file a dispute. 
How should I proceed?
Consumer complaint received 2015-12-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: ERC (NC)

I received an attempt to collect a " debt '' in the mail from Enhanced Recovery Company , LLC ( ERC ). The letter stated " Dear CURRENT RESIDENT : Your recently disconnected XXXX XXXX XXXX account has been forwarded to us to assist you in the resolution of your balance due. Enclosed is a summary of your remaining charges. Please contact us today at the number provided below to pay your balance by phone. Thank you. '' I spoke with a representative at XXXX XXXX XXXX and they informed me that I currently have a XXXX balance and no outstanding balance from my account has been sent to collections. The representative forwarded the issue to XXXX XXXX XXXX 's fraud department. 

I then called ERC and the representative was unable to give me the specifics of the debt and they did not know my name, the representative knew me only as the " Current Resident ''.
Consumer complaint received 2015-09-23
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (CO)

I used Care Credit credit card to pay a vet hospital when my dog was dying. Needless to say it was a very difficult time for our family. I used Care Credit for many months. My dog passed away on XXXX XXXX, 2015. I have been making payments to Care Credit since then. Suddenly my monthly amount due increased with no explanation. After many hours on phone with vet hosp manager and then Synchrony bank, the bank said it was the vet office 's fault. The vet office said they submitted all paperwork by end of XXXX. Synchrony bank is can not suddenly say, " oh by the way, you owe us XXXX more dollars 6 months after dog died? Interestingly, there is a 6, month window of time bank is allowed to post amounts due to the card and XX/XX/XXXX was 6 months. I have spoken in depth to the vet hospital and they have said Care Credit / Synchrony Bank is difficult to work with and there are problems with them. Care Credit / Synchrony Bank is suspect in their very poor handling of this account. They should not suddenly, 6 months after a death, decided the customer owes more money, it is irresponsible and causing great hardship on our family.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NC)

I have NEVER been XXXX XXXX XXXX, XXXX XXXX and have never lived at XXXX, ( NEVER and apartment number, this is a house ) orXXXX XXXX ( House no Apt number ) orXXXX XXXX XXXX ( This belonged to my EX husband ) orXXXX XXXX ( This belonged to my EX husband ) I never worked for XXXX or XXXX ( My EX worked there )
Consumer complaint received 2015-11-14
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (NH)

This number is from USAA. They call me between 3 to 5 times each day and i have recieved around 200 calls from them in the last 2 and a half months. I get calls from them first thing in the morning and get calls throughout the day all the way up to about XXXX. I have told them to stop calling me numerous times but they keep at it. Its rediculous how many calls i get from them just in one day. They need to stop.
Consumer complaint received 2016-03-22
Product: Consumer Loan — Vehicle lease
Issue: Taking out the loan or lease — 
Company: ALLY FINANCIAL INC. (FL)

Hello XXXX XXXX complaint Ally inspected my Blue XXXX car and wants {$180.00} dollars for a scratch that is definitly under 2 ''. See Pic. Me and the dealer walked all around the car and did not see anything. I even bought the touch up paint the day before and fixed a larger scratch that they did not even make thier wear list. I would have fixed this if I saw it. I did check. 
The dealer did not mark up a inspection sheet like the rental agreement I found in the new car. This should be standard procedure for leesee turn in. It is for rentals. This is a big hole in the system I can send pictures. 


2nd complaint Ally agreed on XXXX to accept {$580.00} dollars by a XXXX on XXXX. XXXX ( another Ally rep recognized this note on XXXX. 
A third rep XXXX on XXXX recognized a note but blew it off as meaningless. 

The letter is asking for {$640.00}, when XXXX was agreed on. 

Are verbal agreements with leasing companies meaningless Thanks for any help XXXX XXXX
Consumer complaint received 2015-07-09
Product: Credit reporting — 
Issue: Credit monitoring or identity protection — Problem cancelling or closing account
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (VT)

I contacted XXXX XXXX on a closed acct closed on XXXX, XXXX, 2011, that i was a co signer on and i asked that the negative be removed from my credit because it was causing a hardship. They said they were keeping it for XXXX years. I would like this removed the loan was paid off and it is causing my family a hardship.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Sued where didn't live/sign for debt
Company: CAPITAL ONE FINANCIAL CORPORATION (TX)

I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.
Consumer complaint received 2015-07-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: CL Holdings LLC (GA)

I have reviewed my credit file and have been turn down for credit due to Jefferson Capital listing me as still having active revolving line of credit with them. This item does show as XXXX balance however it does show as an active line of credit which is incorrect. I was told by XXXX Representative at the company on XX/XX/XXXX that a request to delete my information was placed to all XXXX credit reports. I still see this item listed and have been turned down for credit due to this situation. I spoke with XXXX from consumer relations department at Jefferson Capital who researched and stated that this item should have been deleted XX/XX/XXXX and stated that it was deleted however it still showed listed on my credit report. I would like full resolution on this matter I am a single mother working very hard to clean up my credit. I have paid XXXX of dollars to do so by filing chapter XXXX and have been discharged and I am very confused as to why this is still showing on my credit file and has prevented me from obtaining certain credit needed for my family. I have learned that this credit stared from XXXX credit card and was given to Jefferson Capital to act as their collection agency. When XXXX gave my information over to Jefferson Capital I was in an active chapter XXXX case. So this was incorrect reporting from the start. Because I lacked maturity and did not have the education and tools I have now I was not able to confront this situation. I would like your assistance with resolving this matter please.
Consumer complaint received 2015-07-09
Product: Mortgage — FHA mortgage
Issue: Loan modification,collection,foreclosure — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (AL)

Bank of America is purposely saying i 'm not sending in the required documentation for a home loan modification. I have sent XXXX by XXXX and i made copies of what they requested. I am not going to keep wasting money and gas mailing them the same things over and over again. They are doing this on purpose so they can continue to add the late payments. Bank of america did this to me last time where i took 2 years to get them to lower my payment. They are giving me the run around they keep mailing me saying they do n't have the required documentation. This is causing me real undue distress.
Consumer complaint received 2015-07-11
Product: Mortgage — Home equity loan or line of credit
Issue: Application, originator, mortgage broker — 
Company: U.S. BANCORP (CA)

USB contacted me because their records on me indicated I should qualify for refinancing my mortgage and equity line ( they 'd tried a year ago ). I wanted to have them all be XXXX loan ; I got told had to be separate and with a 20 yr. on primary. I never signed an authorization to proceed. I got several things in the mail including what to submit -- I began sending but had not done all the required documents yet and then saw that the amount of my primary mortgage was in as equity line instead of reverse ( a XXXX-fold difference ). I emailed ( the way we 'd been communicating ) asking for the mistake to be fixed saying I was not going to proceed until they did -- silence and today 's mail brought the expected rejection letter due to their mistake. I want it fixed and removed from my credit records since I am proceeding with my credit union given USB 's ghastly mistake and handling of the application process. 
Also, I was told there would be free appraisal and no fees which was not how the documents I received showed it.
Consumer complaint received 2015-09-13
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: Experian Information Solutions Inc. (FL)

Experian refuses to acknowledge that my wife and I have a mortgage with XXXX. We talked to both Experian and XXXX and both said the would correct the problem back around XXXX 2015. I looked at my Experian report today and the information was still missing.
Consumer complaint received 2015-09-23
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Credit Protection Association, L.P. (MI)

CREDIT PROTECTION IS A COLLECTION AGENCY ATTEPTING TO COLLECT A DEBT FROM A SERVICE I DID NOT RECIEVE. I AM ASKING FOR THE TO EITHER PROVIDE ME WITH THE ORIGINAL COPY OF A CONTRACT OR AGREEMENT SIGNED BY ME FOR AUTHORIZATION OF SERVICE OR REMOVE SAID COLLECTION ACCOUNT FROM MY CREDIT BUREAU
Consumer complaint received 2015-09-23
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (TN)

I had a personal Loan of {$500.00} with XXXX XXXX XXXX. It have been paidand closed since XXXX/XXXX/2015 and it is still being showed on my Transunion rreport till this day. Have provided receipts to them showing it has beenpaid but ca n't get it updated for some reason.
Consumer complaint received 2015-11-12
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (MS)

On XX/XX/XXXX, I filed my third complaint with all three credit reporting agencies about my account with XXXX XXXX XXXX. XXXX XXXX XXXX will not give me proof why they are showing that I was late for the last three months on the account for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX for XXXX agencies and XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX for XXXX of the reporting agencies. XXXX XXXX XXXX also failed to show proof to the credit agencies about the late payments. XXXX removed the payment history, however, the other XXXX agencies have not. I disputed because it is negatively affecting me and I want the 30, 60 and 90 day late payment status removed. XXXX was contacted prior to me filing this complaint and they removed the previous complaint from off line and started a new complaint. I could not access the my dispute report for Experian because they asked for an investigation ID #, but there is no investigation ID # on the mailed report. It asked me to call the number on the report, but no phone number for Experian is listed in the report that was sent to me, and no phone number is listed on the website. I tried to request online, but did not get any help.
Consumer complaint received 2015-09-23
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: FCI Lender Services Inc. (GA)

This has been an ongoing issue as I have been trying to obtain a loan modification from the company FCI Lender Servicers , Inc. since being transferred to the company for almost a year now. I originally completed a loan modification application through a XXXX Counselor XX/XX/XXXX before my loan was transferred from XXXX XXXX XXXX XXXX XXXX. However, XXXX violated federal servicing laws by not transferring my loan modification information. Fast forward to now, I already have a complaint on file, and now forced to file an additional complaint as the company continues to deny my request for loan modification. I understand a company may choose not to work with a customer, but in choosing not to work with the customer, they should never create and document false information in order to justify that cause. 
During the month XX/XX/XXXX I made another request for loan modification. In all this was the third attempt to receive a fair loan modification from FCI, the listed servicer, as well as its apparent managing company, whose name is actually listed on the assignment : XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Trust as trustee of the Residential Credit Opportunities Trust. As they quickly denied my request for loan modification application, they sent me a letter stating that they received my " complete Loss Mitigation Package '' and some figures they worked up. I sent only a request to proceed with my updated documents and income information. I never sent a complete " Loss Mitigation Package '' because I would need to know exactly what documents they wanted. As well they would need my updated bank information etc ... Per FCI 's appeal process I responded with this letter in part : This letter is to appeal the decision that has been presented on the letter dated XX/XX/XXXX regarding the request for loan modification. 
The request was made on the perspective dates as stated, but I never sent to your office a " complete Loss Mitigation Package '' as stated in the letter dated XX/XX/2015. It appears that your department did not forward the necessary response to my request and subsequently stated that the department received documents from me that I never sent. As a result it appears that the Loss Mitigation Department re-pulled old information and did not allow me to send updated documents clarifying information in order to properly conduct a review of my updated income and present a true determination. 
I am submitting this second complaint to CFPR because I simply can not sit back and let this company or companies continue this process of violating my rights and the Fair Debt Collection Practices Act, Section 2605 of Title 12 of the United States Code and the XX/XX/XXXX Federal Law requiring mortgage servicers to follow through with loan modifications before pursuing foreclosure action. As well I was never given a chance to submit documents XXXX Loss Mitigation Package ) nor complete a loan modification application before being denied.
Consumer complaint received 2015-09-23
Product: Payday loan — 
Issue: Charged bank acct wrong day or amt — 
Company: High Point Asset Inc (KY)

THE CURRENT CALLER IS HIGH POINT ASSET MANAGEMENT THE NUMBER IS XXXX. THEY CONTINUALLY CALL ME HARASSING ME ABOUT A PAYDAY LOAN FROM 2011 THAT HAS BEEN PAID BUT THEY ARE CLAIMING IT HAS N'T AND ARE USING ROBOTIC CALLS TO TRY AND GET ME UPSET OR SCARED SO I WOULD PAY. NO REAL INFORMATION ON WHO I OWE AND WHEN I ASKED THEM FOR INFO THEY SAID THEY COULD NOT GIVE IT AND WOULD WRITE DOWN THAT i REFUSED TO PAY.
Consumer complaint received 2015-09-23
Product: Debt collection — Medical
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: PDQ Services, Inc. (GA)

PDQ Services , Inc is in violation of HIPAA on an account you have reported on my credit file. The company is XXXX XXXX XXXX, XXXX XXXX. ( A XXXX search of " XXXX XXXX XXXX XXXX '' returns the medical office # XXXX in the search results. ) '' Under a new FACTA provision, consumer reporting agencies may not report the name, address, and telephone number of any medical creditor unless the information is provided in codes that do not identify or infer the provider of care or the individual 's medical condition. This does not apply to insurance companies selling other than property and casualty insurance. ( FCRA 605 ( a ) ( 6 ) ). " I am requesting that you delete any reference to this account from my credit files contained on all XXXX credit bureaus..