davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: CITIBANK, N.A. (NC)

First, I have XXXX mortgages, a XXXX with XXXX and a XXXX with CitiMortage. In XXXX, I requested a mortgage modification for both mortgages due to a fraudulent appraisal by XXXX XXXX in XXXX. In XXXX, XXXX Mortgage reduced our XXXX mortgage by {$220000.00} due to this over appraisal by XXXX. XXXX XXXX sent us a XXXX form XXXX, Cancellation of Debt in this same amount ( this form is available for review ). In XXXX, I contacted CitiMortgage to request the same percentage amount reduction of our XXXX mortgage for the same reason and never heard a word from CitiMortgage. CitiMortgae did reduce the interest on the loan. However, on XX/XX/XXXX, CitiMortgage wrote a letter outlining their increase in the interest from 1 % to 4.5 % and a payment increase from {$190.00} to {$270.00}. On XXXX XXXX, I sent CitiMortgage, by Certified Mail, a letter outlining that we are both retired and living of social security and a small state employee pension and would be unable to make this increase. I also attached a copy of the XXXX form XXXX, Cancellation of Debt from XXXX XXXX in the amount of {$220000.00} on the XXXX mortgage and requested the same percentage reduction of the CitiMortgage XXXX mortgage, due to XXXX 's over appraisal when the sold CitiMortgage the loan. In that letter, I ask CitiMortgage to please respond to our request within 10 days from the Certified Mail letter dated XXXX XXXX, XXXX. That letter is also available for review at any time, with Certified Mail Receipt. Here 's my complaint ; If XXXX Mortgage consented to reduce their XXXX mortgage by {$220000.00} due to the property being over appraised by XXXX XXXX, then CitiMortgage should be responsible to make the same percentage reduction for their XXXX mortgage. In the XXXX lawsuit against XXXX Mortgage, they were convicted for fraudulent appraisals and lending practices and our over appraised mortgage was sold to CitiMortgage. At XXXX years old and unable to work, we have listed the home to sale twice and real estate agents the home will not sell for the over appraised mortgage amount. Please advise and we look forward to your response. Thanks is advance for your consideration in this matter.
Consumer complaint received 2016-08-26
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: Experian Information Solutions Inc. (FL)

Experian has continued to report me as deceased after several inquiries for the past 6 years. Every inquiry made shows me as deceased and they have not corrected the mistake, no matter how many times I dispute it. I never get any answer back from them as the forms do n't have any option to dispute being deceased. I have to go to the upload document to be able to even enter the dispute. I know there is a national database that they can look in and determine I am not deceased, and other bureaus such as XXXX have never listed me as deceased. I have new items and continued reports being added to my report every month, which they process and other disputes which they have process, but they keep reporting me as deceased and will do nothing to change that.
Consumer complaint received 2016-08-29
Product: Other financial service — Debt settlement
Issue: Advertising and marketing — 
Company: Social Finance, Inc. (VA)

I received a letter in the mail from Sofi or Sofi.com to cut my interest rates and help reduce debt. At the bottom there is an opt out number to call : XXXX. When you call it describes that this the CFPB number to opt out of these offers and ask for your social. I know that CFPB would not ask for you SS # over the phone and this is a total scam. Please investigate and shut these people down.
Consumer complaint received 2016-08-29
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: Navient Solutions, LLC. (TX)

I took out Private Student Loans to assist with financing my schooling in XXXX XXXX at XXXX. I did not do my due diligence on these loans and research them beyond what I was told by the Customer Service Representatives that " sold '' me the loans. I was warned that I would never be able to include these in a bankruptcy up front because they are student loans, but that I would be able to consolidate them to a 1 % interest rate with all my other ( federal ) student loans, a program that was available at the time I took out the loans. I did attempt consolidation and discovered that I was intentionally misinformed. For years I tried to work with them on repayment and dealing with the exorbitant interest charges. I was told to go to Payday loan lenders and I did, I was told to just defer and eventually I would be able to afford. I believe the debt I owe has more than tripled. My credit is destroyed and ultimately I recognize it was because I did n't pay close attention to the fine print and question the lender thoroughly. I am a victim of predatory lending. I stopped answering their calls and I stopped paying for deferments that rolled the interest into the principal and I did my best to get educated on these types of loans and finances. I have sought out legal counsel but the typical response is a willingness to research, but not to lock horns with XXXX XXXX/ Navient. I have been told that I can be represented by defense attorneys when they file suit and start attempting to garnish my wages. I owe them most certainly, but I am in a situation that if I would make their interest payment for the next thirty years I would still never be able to repay the loans. With my credit the way it has become I can not own a home, cars are financed as " special needs '', and my wife and I receive up to 10 calls a day from Navient 's collections and we have blocked the numbers so they do n't ring through to our phones.
Consumer complaint received 2016-08-26
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

This complaint is about BOTH communication tactics and attempting to collect a debt that I do not owe. 

Portfolio Recovery - " In order to resolve your complaint, we will need additional information to locate and investigate the issue. Specifically, we need to know the account number or telephone number at which you received our calls. " Case number : XXXX RESPONSE : My name is XXXX XXXX XXXX and that is all the information I 'm willing to give to a company that I have never heard of and that is reporting on my credit report. The phone numbers in the attached letters have been used to protect my actual phone number since I do not know who you are and why you have my information in the first place. 

If you do not have my name in your system then I would strong urge you to consider making a request to have this trade line from your company deleted. If you do have my name in your system you should not have any problem providing a complete package of validation for me including documents with my signature on them for the alleged debt. 

I have attached a screenshot from my credit file. If you do not comply I will file a lawsuit in California for violations of the FCRA and FDCPA and you will be responsible for attorney fees, statutory damages, and my recent actual damages that have been incurred when I tried to apply for a mortgage. My banker has prepared a letter that will be used in court if needed to show that Portfolio recovery is the sole cause of why I have been denied for a {$780000.00} mortgage. 

Delete the trade line immediately and stop calling my boss and stop calling me on my cellular phone.
Consumer complaint received 2016-08-24
Product: Debt collection — Payday loan
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: CNG FINANCIAL CORPORATION (WI)

I was contacted by my employer about a XXXX XXXX from XXXX contacted them about a loan I had with another company. My employer stated that XXXX XXXX was trying to reach me about a collections case they had against me and they need to get in contact with me to get in contact with her. I was also contacted from my wifes employer with the same information to call XXXX XXXX about an outstanding debt. I have been getting numerous calls on my home phone where when my answering machine would kick on the caller would hang up with no message left. On XXXX/XXXX/16 XXXX XXXX from XXXX left a message on my answering machine and left information about a case number and to contact her a soon as possible. I had returned a call to the number she left and a gentleman named XXXX ( no last name given ) said that XXXX XXXX was not available and that he knew all the information about the call. This was before I even told him what the call was about. He told me that there company received a complaint from Check N Go that I had an outstanding balance with them which I partially disputed. While talking with him he told me I had to pay them {$2800.00} that day or I would be taken to court and sued for the money. I told him that I did not have that amount and he told me I could pay 50 % and had to come up with the other 50 % within 24 hrs. I told him I could not come up with that amount for the first 50 %. He told me that I would have to get the money from family or Friends or the case will be forwarded the next day. I told him I have not gotten any information on this from them and he said he would send me a letter to explain everything by certified mail and by e-mail. I got a so called explanation via e-mail but still nothing thru the postal service which he said he would sent. This has been one week ago ( XXXX/XXXX/16 ) and my mail has not brought me anything from them as promised ( XXXX/XXXX/16 ). As stated I have been getting the phone calls with no messages left. When I do get a message is very unprofessional and degrading. Today I was called at XXXX from XXXX XXXX about not following up with her company which in fact I did on XXXX/XXXX/16 when I talked to the XXXX XXXX. I answered the phone and told her that I have not received the information requested ( certified letter ) and to cease calling my home phone. I checked out XXXX with the XXXX and found out that they XXXX has a F rating with them and also was informed by the XXXX to not pay XXXX anything. I have been getting phone calls from XXXX with different numbers showing up on my caller ID with no company name attached. I found out who they were by reverse number checks. The number that left a message by XXXX XXXX was a XXXX cell phone but the company is located XXXX. They call XXXX4 times a day and leave no return call including from the XXXX number.
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (NC)

I had a contract with XXXX XXXX XXXX. I was set up to have XXXX draft the monthly fee out of my checking account. XX/XX/XXXX I sold my home and contacted XXXX to try and cancel my contract. I spoke to a supervisor and he agreed to cancel the contract. The last payment was drafted out of my account on XXXX XXXX, XXXX. I have not received any calls or a letter from XXXX notifying me of any problems. I checked my Equifax credit report in XXXX XXXX and saw a derogatory report from XXXX saying that I have had several missed payments and the report shows payments being made through XX/XX/XXXX and then since then all my payments are past due. This is incorrect. If XXXX had not cancelled my account then why did they discontinue the monthly drafts from my checking account. I filed a dispute through Equifax but have not received a response. I looked XXXX up online and they have only a XXXX star rating and there are numerous complaints from consumers the same or similar to mine. Why is a company allowed to operate so dishonestly? It is unfair for a company to just be able to ruin someones credit!
Consumer complaint received 2016-08-25
Product: Credit reporting — 
Issue: Incorrect information on credit report — Personal information
Company: Experian Information Solutions Inc. (NY)

I have spoken to XXXX Experian representatives over the course of months now to fix the following problems : 1 ) incorrect SSN on my report stopping me from getting my XXXX score and approval from credit card companies, and 2 ) their inability to verify my address and thus having me wait 90 days. I have uploaded my proof of identity multiple times, and as a result, got the SSN problem taken care of. Experian sent me proof of this saying my SSN has been update on a report.This means they have my identification materials on file -- exactly what they need to verify my address. However they " lost '' it and now I have to reupload them, except now it wo n't let me upload anything. I am dissatisfied with every aspect of Experian 's terrible, incompetent customer service, and believe that my identification materials have been stolen. I will be seeking legal action against Experian.
Consumer complaint received 2016-08-30
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: CAVALRY INVESTMENTS, LLC (LA)

Upon obtaining my credit file, Cavalry was a company on my file I disputed with the credit bureaus but it was not deleted it was updated with new information. Once the credit bureaus informed me of this status I sent Cavalry a complaint that they were reporting inaccurate credit information. I also asked that the information needed to be verified and deleted from my credit report as soon as possible. 

In response Cavalry sent me a letter stating in receipt of my dispute made pursuant to the FCRA. In acknowledgement they requested the CRA 's to report it as disputed. They have also reviewed the dispute and find the dispute lacking and specific facts or information which will allow them to investigate and because they have no information they ca n't investigate the dispute pursuant to the FCRA. They also state they are treating my letter as a request for validation under the FCDPA and they will write me again on 90 days. My original letter, was a validate and delete request letter from the beginning. But that 's not what they did at all. 

In response to them not validating and then saying they will contact me in 60 day when they know its 30 days I sent another letter stating : I received Cavalry letter but under the FCRA your company has 30 days to validate and verify this alleged account not 60 days, if I do n't get a response with the 30 days of my original letter this alleged account must be removed and I 'm forwarding your letter to the Financial Consumer Protection Bureau showing that your company is not following the FCRA which states that your company has only 30 days to validate and verify alleged account ( s ). 

If your company can not validate and verify this account I request a correspondence be sent to the credit bureaus ( as well as myself ) stating you request them to delete this account from my report. Please delete the above information as quickly as possible. 

Cavalry then replied, acknowledging receipt of my dispute and request for account validation, and to be advised that they have already ceased collection efforts for the time being in response to my communication. They also stated they will contact me again, either to provide validation, or an update on the status within 60 days from the date of the letter sent. No further collection efforts will be made unless and until validation is provided. 

Cavalry know under the FCRA their company has 30 days to validate and verify this alleged account not 60 days.
Consumer complaint received 2016-08-28
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I have been totally and XXXX since XXXX 2011 and trying to clean up my credit reports, USAA is reporting a vehicle loan of mine as a charge off which is incorrect, I filed bankruptcy in XXXX 2011 but due to my child 's death the bankruptcy was not completed and the court has since vacated the entire bankruptcy. However during the bankruptcy I reaffirmed the vehicle loan and paid the loan in full anyhow. The vehicle loan is being reported as a charge off, which does not even make since considering USAA has the payment only being late 30 days, which is also false however because after the bankruptcy was filed I paid on time and then made a final payoff months prior to the end of the contract.
Consumer complaint received 2016-08-26
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (AR)

Wells Fargo thinks that they can deceive me because I am older. I have been trying to repair my house using insurance proceeds that they have been holding. They have reluctantly released 38 % of the funds. They sent an inspector by wed XXXX XXXX. I have a very clear report stating the project is 75 % complete signed by their inspector and my contractor. Wells Fargo is now saying that they will only release 61 % of the funds. Remember, to date they have only released 38 % and we are at the very least 70 % complete. I am tired of floating money to keep the project going. We were on the phone for XXXX hour and XXXX minutes today. We have almost XXXX hours of phone calls recorded as well as over XXXX pages that have been faxed ( they do not have email yet. Do you believe that? ). We feel like we should be contacting our attorney to recover unnecessary time spent and aggravation this has caused. I also expect interest paid to me commensurate with the interest that Wells Fargo has charged me during this process. The insurance company and the contractor have performed flawlessly and Wells Fargo has committed fraud at every turn.
Consumer complaint received 2016-08-25
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

In XXXX of XXXX, I tried to refinance my house and was declined on the basis that there was a defect in a prior Satisfaction of Mortgage prepared and recorded by the lender. ( See letter dated XXXX XXXX, XXXX from Title Company ) My wife and I made a mortgage to Mortgage Electronic Registration Systems , Inc. ( M.E.R.S )., as nominee for XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) This mortgage was assigned by M.E.R.S., as nominee for XXXX. to XXXX XXXX Bank, dated XXXX XXXX, XXXX and recorded in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Assignment loan # XXXX ) We made a second mortgage to M.E.R.S., as nominee for XXXX XXXX Bank, XXXX, dated XXXX XXXX, XXXX, recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Mortgage # XXXX ) These two mortgages were consolidated by a Consolidation, Extension and Modification Agreement by to XXXX Bank, NA, dated XXXX XXXX, XXXX, and recorded XXXX XXXX, XXXX in the City Register of the City Of XXXX under File No : XXXX. ( Copy attached as Modification of loans XXXX & XXXX ) A Satisfaction of Mortgage was prepared, issued and recorded by XXXX XXXX Bank for the XXXX XXXX mortgage. The problem, as discovered by the XXXX XXXX is that the Satisfaction of Mortgage filed under City Register of the City Of XXXX under File No : XXXX lists XXXX XXXX Bank, XXXX instead of XXXX, as nominee for XXXX. for the mortgage recorded City Register of the City Of XXXX under File No : XXXX and the Satisfaction also DOES NOT recite the assignment information for the assignment recorded in City Register of the City Of XXXX under File No : XXXX XXXX. 

I understand that XXXX XXXX Bank was acquired by Capital One , N.A . However, since XXXX, I have called and written numerous times to Capital One explaining the problem and to request that a new Satisfaction Mortgage be prepared, correcting the error and filed of record. By letter dated XXXX XXXX, XXXX, XXXX XXXX XXXX on behalf of Capital One requested a copy of the recorded mortgage and Capital One Assignment. I promptly provided the requested information by fax ( XXXX ). To date, I have received absolutely no response back from Capital One. I am able to neither refinance nor sell my property with the existing Satisfaction of Mortgage. ( Copy of correspondence attached )
Consumer complaint received 2016-08-30
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (SC)

Select portfolio servicing , Inc . 
XXXX XXXX XXXX XXXX, Ohio XXXX XXXX and XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, SC XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, sc XXXX are attempting to foreclose on my property at XXXX XXXX XXXX XXXX SC XXXX 1. They have denied my modification. 
2. They are foreclosing on me with an assignment that was fraudulenty created and robo signed. 
3. They pooling and servicing agreement that was filed with XXXX securities exchange clearly indicates that all conveyance were to have been done 90 days within the cutoff of the trust. 
4. The loan was placed in the trust 6 years after it closed. 
5. XXXX XXXX XXXX did not respond to my debt validation and Select Portfolios did not respond properly to my written requests. 
Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX SC XXXX XXXX
Consumer complaint received 2016-08-29
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: Cottonwood Financial Ltd. (TX)

I RECENTLY TOOK OUT AN INSTALLMENT LOAN FOR {$400.00}. THE APR IS 581.71 % AND THE FINANCE CHARGE IS {$770.00} LEAVING MY TOTAL PAY BACK AT {$1100.00}. I KNOW I AM RESPONSIBLE TO PAY MY LOAN BACK BUT THIS IS RIDICULOUS. I WILL BE PAYING ON THIS LOAN UNTIL XXXX 2017 UNLESS I COME UP WITH IT ALL IN ONE LUMP SUM WHICH I CA N'T AFFORD EITHER BECAUSE THERE IS ALWAYS SOME LARGE PAYMENT I HAVE TO PAY OUT OF EACH CHECK, LIKE MY RENT OR CAR PAYMENT. I AM A SINGLE MOM AND NEEDED THIS TO HELP COVER MY RENT AS I HAD TO HAVE XXXX AND WAS OFF WORK FOR AWHILE AND I DEPEND ON OVERTIME TO HELP MAKE ENDS MEET. THIS IS TAKING FROM MY HOUSEHOLD EVERY TWO WEEKS AND I KNOW I WILL NOT BE ABLE TO KEEP THIS UP UNTIL XXXX 2017 AS ME AND MY KIDS STILL HAVE TO LIVE DAY TO DAY. THIS IS A RIP OFF IN MY OPINION AND PUTS POOR PEOPLE LIKE MYSELF THAT ARE LIVING PAYCHECK TO PAYCHECK IN A VERY TOUGH POSITION. PLEASE HELP!
Consumer complaint received 2016-08-25
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credence Resource Management, LLC (GA)

Credence Resources Management, LLC attempted to collect for XXXX the amount of {$140.00} XX/XX/XXXX. I stated that I did not own that amount and we agreed that I pay {$88.00}. On XXXX XXXX, XXXX, I sent a cashiers check for {$88.00}. 
On XXXX XXXX, XXXX, I received a check from Credence Resource Management, LLC for {$88.00} made payable to my company, XXXX XXXX XXXX. I called and spoke to a supervisor who told they did not know what the check was for. To this date, I have not got a resolution on this matter. I have returned the check to Credence Management, LLC.
Consumer complaint received 2016-08-29
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt resulted from identity theft
Company: HSBC NORTH AMERICA HOLDINGS INC. (MD)

I disputed a fraudulent account with XXXX XXXX XXXX in XXXX 2016. This account is still reporting on my credit reports. I have contacted them several timesmall and they stated this account will be removed within 30 days of completion. 

XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX