davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-01-22
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: Peoples Home Equity, Inc. (GA)

We are in the process of selling our condo in XXXX and purchasing another condo in a different state. The purchaser of our XXXX condo was working with XXXX of the loan officers at Peoples Home Equity and was told that her loan was a " slam dunk ''. Along the way there were a few issues that came up but she was assured that the loan process was moving forward and that she would receive approval for her loan. With this information we moved forward with the purchase of a condo in another state. XXXX days after we were scheduled to close on the sale of the XXXX condo we received an email stating that the loan for the purchaser had been denied. The reason for the loan being denied was her debt to income ratio was too high. This is an issue that should have been addressed in the first week of the loan approval process and not at the last minute. Because of the last minute denial of the loan the purchase of our new condo is now in jeopardy.
Consumer complaint received 2016-04-17
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: GOLD KEY CREDIT, INC. (FL)

As I was checking my credit score. I saw the debt collectors ( GOLD KEY INC ) send a medical debt of {$710.00} I was not aware of.The debt agency did not contact me to dispute the matter in order to see if there can be any arrangement made to have the debt paid off. I received no phone calls and there was no form of contact made to informed me of the debt. I'am filling a complain due to not receiving notice of right to dispute and also for not receiving any letter via mail concerning the debt. I'am willing to work with them in compliance, if they are willing to work with me to have the debt remove from my credit report profile. Thus affecting my credit score. I 'm seeking help because I feel like it was unfair to me due to the fact that I receive no form of letter informing me of the debt or trying to reach me via phone to discuss the matter. 
Thank you!.
Consumer complaint received 2016-05-20
Product: Debt collection — I do not know
Issue: Improper contact or sharing of info — Contacted me after I asked not to
Company: Resurgent Capital Services L.P. (IL)

LVNV Funding LLC, has resold the same debt that I 've issued complaints to CFPB previously regarding. LVNV is not being represented by XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. ( XXXX ) XXXX. XXXX has NEVER provided a verification of Debt for this attempted, and repeated collection of alleged debt. LVNV funding, nor XXXX has ever provided verification of originating debt. No signature cards have been provided and XXXX, LVNV funding have now submitted this erroneous collection to the Credit Reporting Agencies. I 'm asking CFPB to investigate LVNV Funding and XXXX for false collection practices. XXXX has been attempting to collect this debt since 2002 and has NEVER provided a Verification of Debt pertaining to their alleged debt collection. LVNV funding is committing fraud by reporting fraudulent debt to my credit reporting agencies and has caused me to be denied for credit because of this adverse and erroneous collection attempt. LVNV needs to provide the ORIGINAL VERIFICATION OF DEBT from whatever organization they received this alleged debt.
Consumer complaint received 2016-11-07
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Midwest Recovery Systems (TX)

I received a new account notification from a credit monitoring service I use on XX/XX/2016 and upon looking into this, Midwest Recovery Solutions has an open collections account for me for what I 'm assuming is a payday loan through XXXX for {$800.00}. There are several problems with this : I have never taken out a payday loan, have never heard of XXXX nor received any correspondence whatsoever from that " company '' in regards to the account in question, and have never heard of Midwest Recovery Solutions nor received any correspondence by certified mail, phone, or email in regards to the account in question. I attempted to reach Midwest Recovery Solutions via phone, but was unable to. This account needs to be deleted immediately from my credit reports.
Consumer complaint received 2016-09-08
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Ditech Financial LLC (MS)

I paid mortgage for the month of XXXX and XXXX 2016 with XXXX separate checks of {$600.00}. I continued to receive statements claiming I was late. So I called and was told I left off XXXX per check. So I made payment and was told system will automatically know correct payments has been made and will apply payments accordingly. I was told will take 5 business days. After 3 weeks later they are still holding my mortgage payments in unapplied funds and charging me late fees. I have called several times to get this issue resolved to no avail. Please help
Consumer complaint received 2016-11-01
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not disclosed as an attempt to collect
Company: Revenue Assistance Corporation dba Revenue Group (GA)

I was contacted on my personal cell phone by a XXXX XXXX from Revenue Group. I had to ask multiple times who was contacting me. She rudely advised and then stated tried to ask about someone else - XXXX - who may have had the same address as me. I advised that I do not know the person and then she continued to ask for my address. She then rudely said " ok, bye, bye, bye and hung up '' after what she needed my information for. I would like to seek legal council. I am sure my cell phone carrier can pull a record of this call. Very rude and the debt does not belong to me additionally, the individual that they are inquiring about information has also been compromised.
Consumer complaint received 2016-05-22
Product: Debt collection — Medical
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Commonwealth Financial Systems, Inc. (OH)

I have a a unverified account from. I had previously disputed this account. I have never done business with COMMONWEALTH FINANCE # XXXX Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.169g, I dispute the validity of the debt COMMONWEALTH FINANCE purport I owe. I request that COMMONWEALTH FINANCE Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that COMMONWEALTH FINANCE Cease and Desist all further communications and collection actives and provide the verification of the purported debt.The account Number # XXXX
Consumer complaint received 2016-08-07
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Ability Recovery Services, LLC (TN)

I have made reasonable attempts in writing to contact this debt collection agency after finding their contact information on my credit reports. I have requested valid documentation to show that this is indeed my debt and I should pay it. I have received nothing except a billing notice with no pertinent information to show what services were provided. I have made an attempt to contact the original service provider and they did not respond to me. I am unwilling to pay a debt I do not owe. Ability Recovery Services are reporting unsubstantiated claims on my credit file. I have given them ample opportunity to resolve this issue with me directly and they have not done so. I am of the opinion that this is a fraudulent attempt to collect monies that are not owed.
Consumer complaint received 2017-03-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (TX)

We requested mortgage assistance that would decrease our monthly payments and remove our delinquency ( such as a modification ), instead we were offered a repayment plan that doubled our monthly payment of {$1300.00} to {$2700.00} and had a balloon payment of {$13000.00} at the end of twelve months. We are having financial hardships and have had since XX/XX/XXXX when my husband lost his job because of the global financial crisis of XX/XX/XXXX. We have been going back and forth with Select Portfolio Servicing since to receive an affordable house payment. They did lower our payment from over {$2200.00} ( more than our income ) to {$1300.00}. Even though they lowered our payment, the new payment had a debt-to-income ratio of 70 %, leaving us without enough money to our bills. For over eight years we had built up debt to friends, family and neighbors that loaned us money and have struggled to repay the loans. Our mortgage servicer SPS has continually told us that there are investor restrictions preventing them from giving us an adequate loss mitigation program. We have read the pool servicing agreement and do not see this restriction. They also had claimed to participate in HAMP but treated all our HAMP applications as a non-government request and have not acknowledged that our request were HAMP. They also claim that there are investor restrictions against a HAMP loan as well. We submitted XXXX HAMP applications at the end of XXXX and were turned down on both. We are very tired of this ten year run around and wish to resolve our problems without losing our home.
Consumer complaint received 2017-08-18
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (FL)

Navient, steered me toward multiple forbearances ( hardship, Unemployment ) instead of income-driven repayment plans, and provided unclear information. I was also informed that all would count towards status of my loans counted towards the PSFl.
Consumer complaint received 2016-03-07
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (KY)

I was intentionally lied to about payoff amount for my mortgage. I had records from the new bank showing payment. BBT said the check was returned thus making payoff not include a {$910.00} payment. The next day ( 7 days after posted as paid by the bank written from ) they post as received. We switched XXXX-XXXX busn and personal acts away from BBT for this and many more reasons. They are scamming for fees. Now they only refers me to " loan officer '' to try and get my {$910.00} returned. Of course He will not answer my calls. Additionally the limited information I can get printed at my local branch shows my last payment ( payoff ) as {$120000.00} vs the actual check written for {$130000.00} and posted at my new bank XXXX of ky. This bank is the worst at consumer fraud.
Consumer complaint received 2016-08-05
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Select Portfolio Servicing negligently misrepresented a short payoff transaction that resulted negatively on my credit and caused damages to me. In 2016, I contacted SPS as they sent me a letter informing me that my mortgage would significantly increase due to a rate increase. Therefore, I asked them what are my options to avoid a rate increase as I had just completed the HAMP program and was on a good track which I wanted to maintain. The rep stated that I had the option to submit an offer to the investor and if accepted would be accepted as payment in full. I had asked the representative if this option would negatively affect my credit and the agent stated no, it would reported as paid in full as this is not a short sale. Also, the representative stated that they would send me a letter stating that my loan would be paid in full, which they did and I have a copy of the letter. I was concerned about my credit as I spent the last 5 years working hard to repair it due to late payments from the mortgage crisis, which I had explained to the representative. Again, the representative assured me that it would be shown as paid in full and I would receive a letter stating that I could use as proof. Therefore, I proceeded with the negotiation and sourced the funds to payoff my loan. After the transaction was complete, I receive my letter stating that the loan was paid in full. 

Thereafter, I applied for credit and was denied due to a short sale. I had advise the creditor that I have never sold my property and I only paid off the loan. They stated that the creditor is not showing the loan was paid in full but settled and it is negative on my credit. My score had dropped significantly as a result, and I am having a hard time sourcing the approvals needed to take care of my family and lifestyle. 

In conclusion, had SPS been transparent, informal, and truthful about the transaction, I would not have accepted to move forward in order to protect my credit that I just spent the last 5 years rebuilding.
Consumer complaint received 2016-04-20
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (FL)

FHA Loan-short sale, FHA requires that I am late on my mortgage payment to be considered for a short sale. 
Due to medical issues, job change and increase in expenses ( due to medical issues ) our family experienced a hardship and was forced into a short sale and in order to be considered for a short sale FHA requires us to be late on mortgage payment please see attached FHA bulletin stating it is a requirement to be late on my mortgage payment. I am unable to secure a loan now when my family is more financially viable. I am being discriminated against due to a government requirement to be late on my payments. It is imperative we are able to secure a new loan to move forward with our lives and maintain a standard of living after going through a hardship.
Consumer complaint received 2017-08-18
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. (MI)

Pursuant to FRCA 623 ( a ) ( 6 ) ( B ), if a consumer notifies you that a debt has resulted from identity theft, the creditor may not furnish information to a credit reporting agency regarding the fraudulent account. I sent a copy of the identity theft report ( attached ) to XXXX XXXX. XXXX XXXX is still reporting this account that was a result of identity theft to Equifax. In addition, I received a letter from XXXX XXXX which I forwarded to Equifax which indicates that XXXX was unable to locate any active or previous loan under my name ( attached ). Neither XXXX nor XXXX were able to verify this debt and deleted this account from my record. It is the responsibility of the creditor reporting the information to update the change with every credit reporting agency to which it reported the information.
Consumer complaint received 2022-05-05
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account status incorrect
Company: Selene Holdings LLC (LA)

Selene Finance has been reporting fraudulent mortgage information to XXXX, XXXX, and XXXX. I have contacted them several times to correct the information but they continue to lower my credit score with false and fraudulent information. Listed below are some of the actions they have done. 

1. They are reporting that the account was opened on XX/XX/XXXX, which it was incorrectly transferred to them on XX/XX/XXXX by XXXX XXXX. 

2. They have reported to XXXX and XXXX that the Last Payment Made was on XX/XX/XXXX, and they reported to XXXX that the Last Payment Made was XX/XX/XXXX. No payments have ever been made to them. This debt was included in Bankruptcy Case filed under XXXX XXXX XXXX the United States Bankruptcy Code, entered on XX/XX/XXXX at XXXXXXXX XXXX and filed on XX/XX/XXXX. The court requested a validation of debt from XXXX XXXX XXXX c/o Selene Finance LP and it was ordered that XXXX XXXX XXXX c/o Selene Finance LP claim XXXX XXXX XXXX It was further ordered that the property was not subject to the bankruptcy estate and debtor XXXX XXXX is not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX 

3. They have reported a balance of {$180000.00} with {$73000.00} being past due, and there is no past due balance because the loan was paid off thru XXXX XXXX. XXXX XXXX incorrectly transferred a closed mortgage account. 

4. They have labeled the accounts as a Account Included in Bankruptcy, and Loan Modified. This is incorrect because the judge dismissed their claim and stated that I was not required to pay any amounts to creditor XXXX XXXX XXXX c/o Selene Finance LP XXXX 

5. They also continue to show this account as open and currently delinquent.
Consumer complaint received 2016-11-23
Product: Debt collection — Payday loan
Issue: Communication tactics — Threatened to take legal action
Company: AmeriCash Holding LLC (IL)

I fell behind on a payday loan due to I.D . theft and having to close my bank account. I setup a payment arrangement to settle the debt in full on XX/XX/XXXX and since that time I have received constant letters from Americash increasing the balance and threatening legal action. Even after setting up the agreed arrangement. I called Americash several times about the issue. they advised once the first payment was drafted all activity would stop. But it did not, it seem to escalate. I continued to call and even advised my representative as in every other call ; I did not ant to continue to receive these communications. They were confusing especially as, I was currently making payments. My representative XXXX was very dismissive of my concerns and very uneducated about debt collections practices. My last phone contact on XX/XX/XXXX I advised the company I would submit a complaint as they seem to not care about continuing to abuse their role in collecting debt.
Consumer complaint received 2016-12-19
Product: Bank account or service — Checking account
Issue: Using a debit or ATM card — 
Company: M&T BANK CORPORATION (GA)

My name is XXXX XXXX earlier this year I filed a complaint against M & T Bank CFPB Case No. XXXX, my request was denied because the Bank said I never sent documentation supporting my refund request, in email I will prove I submitted proof not once but " twice '' to XXXX XXXX email address XXXXXXXXXXXX. Attached is copies of XXXX emails sent to XXXX XXXX employee of M & T Bank in XXXX XXXX Maryland email address XXXXXXXXXXXX on XXXX XXXX, XXXX @ XXXX and again at XXXX on the same day. Based on the fact that I did send in proof of me informing XXXX XXXX over and over again that I was being over charged and also asking them over and over again for my refund in writing, meets the requirements that you asked me to submit to you in your letter dated to me XXXX XXXX, XXXX. Therefore, I would like a full refund of my previous request to all fees put back into my account effective immediately. 
Thank you!
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Shellpoint Partners, LLC (FL)

This is my XXXX complaint against this company since they took over my loan servicing from XXXX which was modified after a Predatory Loan Settlement was reached and the new company Shellpoint added an ilegal P.M.I coverage that was never agreed upon by me and hidden from me until I discovered they had taken money out of my property tax escrow account to add their own insurance at my expense. This company stopped sending me my monthly statements ( Emailed, or Hard Copy ) and their website only show statements from 2015 for just XXXX months nothing further. They stopped being sent to me when I filled my complaint in 2015 most likely to keep me from discovering further discrepancies on their part. I am requesting your assistance as I called Shellpoint and spoke to a customer service rep there named XXXX or XXXX as well as her supervisor XXXX XXXX who refused to send me my monthly due statements. I am asking you please get involved as I have never heard of any company refusing to send their customers statements nor allowing them to be seen on the website as well. They as well tried to tell me they do n't provide statements which is a total lie as they did before my last complaint to the XXXX.
Consumer complaint received 2016-04-11
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: Fidelity National Information Services, Inc. (FNIS) (NJ)

I am disputing the inaccurate information the Chex-Systems has on my credit report. I initially submitted a police report on XXXX/XXXX/16 and Chex Systems only deleted the items that I mentioned in the letter and not all the items that were actually listed on the police report. In other words they wanted me to say word for word to them what items were fraudulent. The total disregard of the police report and what accounts that it states that are fraudulent. If they just had paid a little closer attention to the police report I would not been in this position now and they would n't have to research once again. I would like the reported information to be removed : XXXX XXXX XXXX
Consumer complaint received 2016-04-13
Product: Money transfers — Domestic (US) money transfer
Issue: Other service issues — 
Company: Paypal Holdings, Inc (MO)

This is a complaint against PayPal Credit for an unauthorized hard credit inquiry. It is not a complaint about sending money. 

I recently applied for a home mortgage and was surprised when my lender questioned an inquiry on XXXX/XXXX/XXXX from XXXX/PPC which I later determined to be XXXX/PayPal Credit. While I do maintain an account with PayPal Credit there had been no activity on my PPC account around the time of this *unauthorized* " hard '' credit inquiry. Additionally, my balance with them at the time was {$0.00}. 
This hard credit pull caused a delay in my securing a mortgage and I had to sign paperwork at closing attesting that I was unsure of the nature of the inquiry. Companies ca n't just randomly pull " hard '' credit inquiries, can they? 
Around late XXXX XXXX or XXXX XXXX I logged into my PayPal account and sent a message via their secure message center demanding an explanation of the inquiry. I never received a response. Additionally, messages older than 90 days are not displayed on the message center.
Consumer complaint received 2016-07-09
Product: Credit card — 
Issue: Identity theft / Fraud / Embezzlement — 
Company: Army and Air Force Exchange Service (CA)

A fraudulent credit account was opened in my name subsequent to the XXXX computer hack. I closed the account as soon as I found out, first with a phone call, then with a follow-up letter per the instructions given in the phone call. 
Months later, I received a collection letter. I replied to this letter, including the documented account closure and envelopes of mail pertaining to the fraudulent account which my alert postal carrier had re-routed to my address. 
My complaint is that I requested all documentation pertaining to the fraudulent account opened in my name, citing my rights under the Fair Credit Reporting Act. Military Star has not complied with this request. Also, I do not know whether AAFES plans to pursue payment of the account ( especially since they send mail to an incorrect address - I 'm lucky my postman delivered at least some of the Military Star mail to me. )