davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-29
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CARRINGTON MORTGAGE SERVICES, LLC (MD)

I was laid-off and unemployed so applied for Special Forbearance for an unemployed homeowner to XXXX XXXX XXXX which was my mortgage company. XXXX XXXX XXXX was giving the runaround so I asked for Mediation as I lived in Maryland. Just before the mediation XXXX XXXX XXXX sold my loan to Carrington Mortgage services. 

I had the mediation with Carrington Mortgage Services and during the mediation, I asked for 1 ) Short Sales which was what XXXX XXXX XXXX offered me before they sold the loan or 2 ) A deed in lieu to avoid Foreclosure proceedings. Carrington Mortgage stated that because they just bought the loan and that I am still unemployed they will let me apply for a loan modification with them first and that if that does not work out, then they will offer me either the Short Sales or A deed in lieu. 

I put in the application in XX/XX/XXXX and they came back in XX/XX/XXXX for pay stubs. I reminded Carrington Mortgage Rep that I informed them at the mediation that I was unemployed and looking for a job and they asked me to apply for modification before they can tell me whether to do Short Sales or A deed in lieu. Carrington Mortgage then asked me to put into writing that I was still unemployed which I did through XXXX XXXX XXXX person who was helping out. They came back again that I was missing a document which I then uploaded to them on their site. 

I have not heard anything from Carrington Mortgage so on XX/XX/XXXX I called them to check on my application and I was told that they canceled my application and that I have to re-apply because supposedly they were missing some documents from them. Informed them that the last document they asked for I uploaded on their site. I then asked them what document I am supposedly missing but Carrington Mortgage could not tell me the specific document I am supposedly missing. Carrington Mortgage Rep then informed me that she was going to send me the applications and that I will receive them in a weeks time. I waited about a week without receiving the documents so I called them and I was told I should be receiving documents soon. I called them again on XX/XX/XXXX and I was told that Carrington Mortgage had set a sales date of XX/XX/XXXX for my house to be sold for foreclosure. 

I asked them how can they asked me to re-apply for a loan modification and I was waiting for the documents and they went ahead to set a foreclosure sales date without even informing me? Carrington Rep stated that they just set the date the morning I called them and that they do not have to inform me about setting date for foreclosure sale. Then they stated I can still send in the re-application to be considered. 

The behavior of Carrington Mortgage is just abominable.
Consumer complaint received 2018-03-29
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. (LA)

Experian credit bureau is doing a very poor job at protecting me the consumer. I have disputed this account ( XXXX ) with Experian before and it has never been resolve. This account is falsely reporting negative information on my credit report. On my Experian credit report it shows updated payment history and I did not make any payments on this account. If I did may any payments why the balance owe did not go down? 7 years of this account will be up this year and I believe this company is updating payment history so the date of delinquent payments will start over meaning the 7 years will start over also. 

ACCOUNTS : XXXX
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: NCC Business Services, Inc. (AL)

Apartment complex upon exit at the end of my lease claimed that there was carpet damage " pet stain ''. They wanted me to pay {$350.00} for replacement. I disputed the charge and asked for evidence since I had not pet and there was never a pet in the apartment. The carpet was in the same condition as when I moved in 12 months prior. 

Without any further explanation or proof and with no consideration or response to my dispute letter, this was turned over to a collections agency. I again disputed the claim and asked the collections agency to allow the claim to be worked out between myself and the Apartment complex. I received no explanation nor any further correspondence. 

Subsequently, I received a notification in XX/XX/XXXXthat my credit rating had dropped around 100 points due to " bill collection ''. I am XXXX years old and working hard to build credit. A 100 point drop over a {$350.00} claim seems very drastic especially given the lack of response or respect for fair billing and fair collections. 

The Apartment complex is called Arbors at XXXX XXXX located at XXXX XXXX XXXX XXXX, XXXX, Al. XXXX. That property appears to belong to XXXX XXXX ; address XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX. 

The collections agency is NCC Business Services , Inc. located at XXXX XXXX XXXX. XXXX XXXX XXXX, FL. XXXX ; phone : XXXX
Consumer complaint received 2018-03-28
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. (IA)

I submitted numerous disputes with Experian, XXXX, and XXXX with account : XXXX XXXX, XXXX XXXX. Disputes keep coming back saying that they have " VERIFIED '' account. XXXX XXXX States it's an installment account. Account Date opened : Balance {$260.00} ; XX/XX/XXXX, High Balance 0 ; Not reported, / Original amount : Not Reported./ Recent Balance : Not Reported, / Comment. This item was updated from our processing of your dispute In XX/XX/XXXX Date of status XX/XX/XXXX. Now lets get to my Facts, I have received no proof that the account is in fact mine, no original consumer contract with my signature on it. I have received no signed paperwork by me showing I ever had an account with the original company. I have googled the original company and it says it's an internet company, I have never had an account with this company Fact, Experian, XXXX, XXXX, and XXXX XXXX Have broken the LAW. Fact, none of the bureaus have verified this account and Failed to Provide Proof after many disputed requesting to show proof as required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ). Furthermore you have failed to provide the method of verification as required under Section 611 ( a ) ( 7 ).
Consumer complaint received 2018-03-29
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

Hello. 

I keep getting harassing calls for a debt I do not have. The alleged " debt '' is from XXXX XXXX. The harassing calls and fraudulent debt claims are coming from : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX These people are also adversely affecting my credit record through this fraudulent claim that they have reported to the credit bureaus. 

Please have them cease and desist the harassing calls. I also want them to remove this information from the credit bureaus and from my credit record. 

Thank you.
Consumer complaint received 2018-03-28
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (CO)

This involves an account with XXXX XXXX. The account is now being handled by XXXX XXXX XXXX Account # XXXX. The XXXX account was closed at the local branch and all equipment returned per the service contract. Additionally, all service fees were paid per the service contract. The amount in question is {$620.00}. 

Three attempts have been made to provide that information to XXXX XXXX XXXX   Paper documents have been mailed on XX/XX/XXXX, XX/XX/XXXX, and emailed per their request on XX/XX/XXXX. No communication has been received in return. XXXX XXXX   continues to communicate to the credit bureaus as a delinquent account. 

Disputes have been opened with all three credit bureaus and XXXX XXXX, however XXXX XXXX says it is waiting on further information to resolve the account. They have made no attempt to request that information either in writing or through email. I have called multiple times to resolve this matter but each time I am told that they are processing the dispute request and then a few months later they hit our credit reports.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Advanced Resolution Services Inc. (IL)

On XX/XX/2018 I sent a certified letter to XXXX   disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that XXXX VALIDATE that said information was mine. I advised XXXX that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet XXXX still claims the BK Court has CERTIFIED the information is accurate. Advance Resolution Services INC. has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.
Consumer complaint received 2018-03-28
Product: Checking or savings account — Checking account
Issue: Problem caused by your funds being low — Bounced checks or returned payments
Company: CITIBANK, N.A. (TX)

In XX/XX/2017 I deposited a check from a client of mine into one of my Citibank checking accounts ( I have two Citibank checking accounts ). The check ended up getting returned and Citibank bank froze both my checking accountseven the checking account where the bad check wasnt deposited intoand closed both my accounts. This all happened two days after I made the initial deposit. So its not like days or weeks went by and I didnt take care of a bounced check on my account.

I dont have a Citibank where I live so I wasnt able to deposit money into my overdrawn checking, I was only able to do that via online through XXXX  or XXXX, but Citi closed both my accounts. I no longer had any access to my accountsat all!

I called XXXX and asked if they could transfer the XXXX I had in my second checking account ( that was also closed by Citi ) into my overdrawn account but they flat out refused. So not only did Citi close both my checking accounts before I could fix the negative balance in my checking account, they also closed my second checking account and kept the XXXX in it and didnt apply the money to my negative balance of my first checking account. I had my Citibank accounts for over eight years without any issues. Oh and they also reported me to XXXX.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Public record information inaccurate
Company: Experian Information Solutions Inc. (IL)

On XX/XX/2018 I sent a certified letter to Experian disputing a public record, a bankruptcy they have listed on my credit report. I challenged the information 's accuracy and demanded that Experian VALIDATE that said information was mine. I advised Experian that the information was incorrect and that I have a letter from the US Bankruptcy Court XXXX XXXX XXXX stating that they DO NOT provide public records to 3rd party agencies, yet Experian still claims the BK Court has CERTIFIED the information is accurate. XXXX XXXX XXXX XXXX has been equally as difficult to deal with as they keep telling me the information has been VERIFIED via electronic signature.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Credit inquiries on your report that you don't recognize
Company: EQUIFAX, INC. (CA)

I contacted XXXX on XX/XX/2018 to dispute inquires listed below because i was victim of their " inquires Issue '' and they refused to remove it. There for i come to you with hope you can help me to remove the following inquiries and delete them completely from my credit INQUIRIES XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX  ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX ( REMOVE ) XXXX XXXX ( REMOVE ) XXXX XXXX  XXXX XXXX XXXX XXXX REMOVE ) XXXX XXXX ( REMOVE ) To delete they said they would not help
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

XXXX  Transunion and XXXX  are reporting on my credit reports that I am XXXX by listing my employer as " XXXX '' or " XXXX   XXXX '' and in doing so violates my right to have my personal health information/status protected under HiPAA. And also exposes me to discrimination by notifying creditors of my health status. 

No option is provided on either of the sites to remove this personal protected and privileged health information.
Consumer complaint received 2018-03-29
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (PA)

On XX/XX/2017 XXXX XXXX XXXX appeared on my credit report with a balance of {$1700.00} ( I am disputing this item ) Please be advised this is my SECOND WRITTEN REQUEST. The unverified items listed below remain on my credit report in violation of Federal Law. You are required under the FCRA to have a copy of the original creditors documentation on file to verify that this information is mine and is correct. In the results of your first investigation, you stated in writing that you verified that these items are being reported correctly? 
Who verified these accounts? 
You have NOT provided me a copy of ANY original documentation required under Section 609 ( a ) ( 1 ) ( A ) & Section 611 ( a ) ( 1 ) ( A ) ( a consumer contract with my signature on it ) and under Section 611 ( 5 ) ( A ) of the FCRA you are required to promptly DELETE all information which can not be verified. The law is very clear as to the Civil liability and the remedy available to me for negligent noncompliance ( Section 617 ) if you fail to comply. I am a litigious consumer and fully intend on pursuing litigation in this matter to enforce my rights under the FCRA
Consumer complaint received 2018-03-28
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Credit monitoring or identity theft protection services — Problem canceling credit monitoring or identify theft protection service
Company: Experian Information Solutions Inc. (NC)

Experian - This company makes it so difficult to cancel your service that most people like me just give up. You can not cancel your service or pull your credit card from their website. You can only call them at XXXX and give them lots of information and then they immediately have their recording tell you it will be a 30 minute wait time to cancel your service.

As I am typing this complaint, I have been on hold for 47 minutes not 30 minutes. This has been the norm in the past and I have given up and hung up to tater find the same results. I want to issue a complaint and will call my credit card company to file a complaint with them as well. 

XXXX XXXX XXXX XXXX
Consumer complaint received 2018-03-28
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: WELLS FARGO & COMPANY (CA)

Hello this is XXXX XXXX XXXX I'm still alive and crimes against me murder for hire and premeditated life sentence all properties through XXXX XXXX and bank our to be in my name with no restrictions also wells fargo accounts in my name I'm primary from beneficial account from XXXX XXXX mother who had two pages of lawsuits from XXXX XXXX XXXX XXXX XXXX is not primary all court orders and judgements in my favor either is XXXX XXXX primary or delegate or consertiver.XXXX XXXX account is in my name but refuse to give account number.XXXX fund is from XXXX XXXX in my name no ex wifes our entitled to any assets and would like to counter sue all against me for XXXX XXXX dollars for putting my life in danger and keeping my funds not giving back have no joint accounts anywhere XXXX XXXX is XXXX XXXX married to deathrow inmate XXXX XXXX.
Consumer complaint received 2018-03-28
Product: Debt collection — Medical debt
Issue: False statements or representation — Impersonated attorney, law enforcement, or government official
Company: HCFS Healthcare Financial Services of TeamHealth (TX)

I have contacted XXXX XXXX XXXXXXXX XXXX  by mail asking for Validation. The last was on XX/XX/2018. They have not validated the debt. XXXX sends a letter with my name and amount. I looked into this company further and found they are not bonded in the state of Texas to collect.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Navient Solutions, LLC. (NJ)

I have been trying to get Navient to work with me on the monthly payment that i can afford. I am XXXX  years old and have a job. My mom is the co-signor but is having financial issues of her own. Navient will not work with me to get my mom off as a consignor nor will they work with me and my actual salary to allow me to make payments that i can afford. I have to pay, rent, utilities, transportation to and from work and food. but they refuse to work with me. I want to be responsible and not put this on my mom but i want to be able to do a payment that will allow me to pay my other responsibilities as well.
Consumer complaint received 2018-03-28
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Problem lowering your monthly payments
Company: Navient Solutions, LLC. (NY)

This is not a new issue ; I only just realized that there are options to complain and try to obtain justice for the services. I'm in my current situation because the company has been dishonest from the start about repayment options and about the consolidation process. 
As of today, XX/XX/2018, I was re-enrolling in the Rate Reduction Program. I explained my new financial circumstances, including an account of all of my expenses and my income. Their response was to raise the amount I owe, even though I was technically enrolling in a RATE REDUCTION program. It was useless to use logic to explain how it doesn't make sense to request the amount they're asking for, in addition to increasing my payments, based on my income and expenses. At this point, I'm left have a high payment due each month, be unable to make this payment, and have my credit destroyed because they are not willing to negotiate a fair monthly payment. Making partial payments based on what I can afford is not good enough to them. I've consistently made all payments while in the program, so to be denied when I am truly in financial hardship is deplorable. If anyone can actually HELP I would appreciate it!
Consumer complaint received 2018-01-03
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (MD)

I am trying to apply for a modification with Bayview Loan Servicing so that I can save my home. My assigned representative is named XXXX XXXX. My first impression of him was that he is very hard to get ahold of. I have always been told that he is the only person in his department that can discuss my file so I can not simply speak to the next available representative I have to call his number directly. It usually goes directly to voicemail. He picks up and immediately asks me to hold, sometimes for upward of an hour long. I know he has an email address and I asked him if that might be a better way to get in contact with him since he is so busy but he told me know he does n't check that the best way to discuss my loan is to keep continuously calling his phone until he picks up. 
The last time I spoke with him was on XX/XX/XXXX at approximately XXXX. There was only one more document being requested -- a document that I had already faxed to him the previous week. I asked if he got the fax and he said he has n't seen it yet and he does n't really trust faxes so I should just email it. The implication was that he was n't even bothering to check his faxes because they 're unreliable so the best way to send documents is email. He told me that I could reply to an email of his and if I replied back it would be uploaded to the account directly. He said the email would be out in about XXXX minutes. The email finally came XXXX -- six hours later. I simply could not wait around that long for him to send the email, and he told me that any documents sent to his email would be automatically uploaded so I had already emailed the necessary document to him at XXXX. 
When I spoke to him today, XX/XX/XXXX, he said that he closed my case because the all necessary documents had not been received. He said he had requested the documents on XX/XX/XXXX so he does n't even remember correctly what day we spoke. He kept saying that our correspondence must have " crossed '' which makes no sense because I sent the document within 15 minutes of him asking for them. Even now it 's only 3 business days since he requested the document so how can he close my file so quickly? 
I first applied for assistance back in XX/XX/XXXX and I even reapplied on XX/XX/XXXX because it had been closed for the same reason -- package incomplete. However with such poor communication from XXXX XXXX how can I ever figure out if and when they have all the documents they need? I am very concerned because after 4 months we are no closer to reaching a resolution on my loan modification.