davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-10
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

On XX/XX/XXXX i did a home modification agreement with Wells Fargo Bank so i can afford to pay my mortgage and keep my house. The Modification agreement stated that I would start paying 2.15 % up to XX/XX/XXXX then 3.125 % to XX/XX/XXXX then 4.15 % to XX/XX/XXXX and finally 5.125 % after XX/XX/XXXX. " The modification agreement '' further stated that if i do not accept it without alteration I would loose my house to foreclosure. I therefore signed the agreement. In XX/XX/XXXX my XXXX 10year XXXX mortgage eclipsed and it went from 4.32 % interest rate to 6.2 % because as the bank said i had a bad credit and there was no negotiation whatsoever. The result of these interest increases went from $ XXXX/per month to {$1000.00} for my XXXX mortgage and from $ 320/per month to {$520.00} on the XXXX mortgage, a $ XXXX monthly increase in interest and cash flow. I have contacted the bank and asked to refinance both XXXX and XXXX mortgages at a lower interest rate so I can keep my house but i was rejected. My income remains the same as XX/XX/XXXX. I am current with my mortgage now but in 2 months my savings will be depleted and i would probably loose my home. I would like to keep my home and refinance/modify the XXXX and XXXX mortgage back to XX/XX/XXXX levels.
Consumer complaint received 2015-03-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Consumer Portfolio Services, Inc. (MD)

I mailed off several complaints to different addresses for this company as well. Unfortunately, I was the victim of identity theft. I have done everything required of me by law to dispute the fraudulent items on my credit report. I sent a letter to " CPS d/b/a Consumer Portfolio Services Inc '' on XXXX via USPS certified mail. The company refuses to honor my rights under the FDCPA & the FCRA as a victim of identity theft to remove the fraudulent inquiry that was submitted without my knowledge, consent and/or authorization. 

Please find attached the notice that was sent out along with the attached certified receipt. Information can be tracked online using referenced information. Thank you for you time and attention regarding the matter.
Consumer complaint received 2015-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: ERC (TX)

Enhanced Recovery Company submitted a collection on all XXXX of my credit reports stating I owe {$670.00} from a XXXX Cable/Cellular bill. I knew I did n't owe XXXX anything and called them to verify and they verified I was all clear of any debt. They were not aware of sending anything to ERC as a collection on my account. I have called ERC and they could n't find anything on me with what information I was giving them. Which proves its not me that the debt belongs to. I have disputed it with all credit bureaus and have not heard of anything. I have since applied for credit and have been denied due to Severe delinquency and debt collection on my credit reports. I have always had good payment history never late on my bills. This is affecting my credit score and is becoming a big nucense. I have read other customer complaints dealing with this same issue and it looks like it could be a scam. I am not getting anywhere with the credit bureaus and need this removed from my credit reports. Please help.
Consumer complaint received 2015-12-03
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: First Service Residential, Nevada, LLC (CT)

I am trustee on a home my mother owned. There were several XXXX dues levied on a monthly basis. XXXX XXXX contracts with First Service Residential for billing. I was not receiving bills in a timely manner. At the time of my mother 's death, the XXXX dues were due for about three months. I paid in full, and the XXXX cashed the check. Not two days later, I received a collection notice showing that over an entire year 's worth of dues were owed. I provided a written notice within 30 days disputing the debt stating it was paid and providing records. I asked Red Rock Financial Services ( the collection agency ) to verify the debt. I received no such records. I am now in the middle of selling the home. At signing, I was presented with a settlement statement from the title company stating that the XXXX dues are in collection status and that the amount still owed is significantly higher than the yearly amount. I still have received no justification for this amount and from where it has arisen given that the fees were paid in full.
Consumer complaint received 2015-05-15
Product: Credit card — 
Issue: Credit determination — 
Company: WELLS FARGO & COMPANY (NE)

I was turned down for credit by XXXX c/c companies. When I tried to obtain my free credit report because of the denial, XXXX said I had already received my free credit report for the year. I thought you could get a report each time you were denied credit, but am I wrong? thanks.
Consumer complaint received 2015-05-16
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (OH)

I went online to get my free credit report from Equifax and was not able to receive it. The questions were deceiving and some I could have checked more than XXXX answer. I tried it XXXX and could not access my report. Also, my husband went online to get his and the same thing happened. I also VERIFIED we were entering the correct information since i had a copy of another credit reporting agencies report in front of me so I am SURE there were no errors. I then tried getting our reports through the mail, and all i received was more letters stating to send more ID and verification papers. This happened XXXX to each of us which is completely unacceptable. We merely want our XXXX credit report from Equifax.
Consumer complaint received 2015-04-09
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: WELLS FARGO & COMPANY (CA)

I have been seeking help for assistance with my lender for over a year. I have reached XXXX road block and I dispute and appeal the Denial for mortgage assistance my file is currently assigned to Wells Fargo XXXX and would like CFPB to help review. Attached is detailed information to this matter
Consumer complaint received 2015-04-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: PROVIDENT FUNDING ASSOCIATES (CA)

On XXXX XXXX 2015 I executed the permanent Home Affordable Modification agreement mailed to me by Provident Funding, by signing XXXX copies of the XXXX page document in front of a notary public. The modification agreement was prepared by XXXX XXXX. I then returned the notarized Modification Agreement back Provident Funding for their signature and recordingOnce the document was fully executed Provident funding was to record the Home Affordable Modification Agreement at the XXXX XXXX County Registrar Recorder. 
On XXXX XXXX, 2015 Provident Funding finally recorded the Home Affordable Modification Agreement after I filled complaint # XXXX with the Consumer Financial Protection Bureau. 
It has recently come to my attention that Provident Funding altered the signed notarized Modification Agreement that I mailed back to them on XXXX XXXX, 2015, before recording it, by inserting typewritten text on page XXXX and adding XXXX extra pages at the end of the document. 
I have attached the original notarized document that I executed, as well as the forged document that Provident deliberately altered and recorded. I have also highlighted the insertions and additions. 

I would also like to point out that that Provident Funding provided me a copy of the executed agreement that did not include the alterations. 
I was only made aware of the incident, because I retrieved a copy of the recorded document directly from the XXXX XXXX County Registrar Recorder 's office. 

I believe that Provident Funding 's actions are illegal, and constitute fraud which I why I am seeking your assistance.
Consumer complaint received 2015-03-20
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: BANK OF AMERICA, NATIONAL ASSOCIATION (FL)

To whom it may concern : I submitted and complainant on the XXXX/XXXX/2014 : on the letter that yawl send me stated that some complaint. if so something should be done about the same complaint over and should let you know over so that so that should let you know that there is some truth to this matter and I gave the only info that I had. The info that Lawyer gave was Ford and forgery and I do not have A Business on XXXX or any or any ware else. what they are say is I have Company business in my home when I do n't have one so now they base my payment on something that the lawyer say but he is lying about the no business here there was never an business here. was documents that give the Bank America from this Lawyer.
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (CA)

I printed the online Annual Credit Report Request Form & submitted copies of all the info they required : SS card, pension stub, XXXX form, driver 's license & utility bill. This was mailed XX/XX/2015. Their form notes that this will be processed within XXXX days of receipt, & if there are any issues w/ my submitted material, they will contact me. There has been no contact & I have not received the Equifax report I requested as of today -- XXXX XXXX. When you call this company 's number, you not only can not receive a " person, '' but the telephone tree does not allow a provision for " status of credit report request. '' So I have all of this sensitive info adrift someplace making myself a prime candidate for identity theft -- exactly what I was trying to avoid. Note : All was mailed to Annual Credit Report XXXX XXXX, XXXX. XXXX XXXX, XXXX, GA XXXX. Their telephone # : XXXX.
Consumer complaint received 2015-08-07
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (CT)

XXXX XXXX Incorrectly stated late by thirty days on XXXX X when they clearly received on time payments. XX/XX/2014 they marked the payment late for 30 days when they received it on time for credit reporting on XX/XX/2014. Yet the statement shows received on XX/XX/2014 and processed XX/XX/2014. Something similar happened in the next month. The payment was due on XX/XX/2014. However that date was on a Sunday. XXXX processed on the Monday XX/XX/2014. That payment was probably received on the Friday or Saturday before the due date but processed on that Monday
Consumer complaint received 2015-04-10
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (OH)

it all started XXXX 2014 we was trying to get a modifcation approved and still trying the pkg was sent filled out sent back they called didnt received it didnt received it paystubs were sent they called no paystubs its was XXXX thing after another in the meantime i have all my faxes that was sent this is how they get u behind on purpose money hungry people they dnt care about u they want your paystubs to see how muchmoney they can get off of u my loan is 84,000 they have tacked on 14,000 since XXXX 2014 8 months waiting on it wow now i owe 90,000 the XXXX house is worth under that what XXXX they need to go down taking peoples hard working money and they dnt care none of them speak english u cant under stand them these sumbags to be accountable.plus they have a fffffffffffff rating a large amount of complaintsssssssssssssssssssssssssssssssssssssssssssssssssssssssss
Consumer complaint received 2015-05-14
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: Experian Information Solutions Inc. (OK)

The information reported to Experian for an acct with XXXX contains incorrect or re-aged information. The last payment date should be XX/XX/2008, XXXX days XX/XX/2008, was charged off XX/XX/2009. The charge off date shows as of XXXX and shows a comment of a deferred/interest only payment. I have never made a payment arrangement with this company. I am not disputing the debt, only the dates & the comment and asked they be corrected.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Diversified Consultants, Inc. (TX)

I 'm writing to you because this company reported me to a collection agency without my knowledge. Once I found out about the collection account I pay the collection account in full to diversified with the understanding that it will be removed because it never should have been there in the first place. So at this point on XXXX XXXX I reached out to XXXX XXXX XXXX on behalf of reporting me to diversified. So I reached out to XXXX and I spoke with a manager by the name of XXXX she told me she reached out to diversified and inform them that this account was no longer in on the right meaning no longer in collection, she also stated in XXXX days that it should be removed from my credit report once again. I reached out to diversify to figure out why would they still reporting on my credit report I spoke to a gentleman by the name of XXXX he ensured me in a couple days that it will be removed no longer my credit report. To my disbelief it still there. So then I reached out to XXXX again on XXXX XXXX and I spoke with a representative by the name of XXXX who worked under XXXX who took my account out of underwrite. She did n't reach out to diversified on XXXX way with me on that day trying to get to the bottom of the removal. So now today is XXXX XXXX I 'll reach out to diversify XXXX times after speaking to XXXX XXXX XXXX with him on the phone. Now at this point diversified is being very rude and I 'm over it.
Consumer complaint received 2015-08-07
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Credit Protection Association, L.P. (TX)

Credit Protection Association has been harassing me foe months now trying to collect a frivolous or fraudulent {$440.00} charge. the reference number is XXXX. Their phone number is XXXX attn : XXXX XXXX. I am having to laboriously submit documentation proving that i am not the debtor. Please advise them to stop calling me and remove my name from their records. I do not want them to blemish my credit. There has got to be a better way for a consumer to not have to prove fraudulent charges.
Consumer complaint received 2015-08-11
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Diversified Consultants, Inc. (FL)

I cancelled ALL of my wireless services with XXXX XXXX XXXX XX/XX/2014. I paid all of the early cancellation fines. XXXX XXXX XXXX, for some reason, left one of the accounts open. I called the following month after receiving another bill and they said they could not explain why and said I was responsible for the extra months payment. I refused and they refused to budge. They turned it over to collections. I DO NOT OWE THE MONEY. I refused to be bullied by them and will fight as a matter of principle.
Consumer complaint received 2015-04-12
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Onity Group Inc. (NY)

Thank you for allowing me the opportunity to address the derogatory credit with Ocwen Loan Servicing. This situation is a result of very unfortunate and unforeseen circumstances beyond my control. 
I purchased with the purpose of an investment property. Unfortunately, it is located in a Zone A area, with a high potential of flooding. In XXXX, during Hurricane XXXX, the property sustained substantial damage, in which the space was no longer safe to rent, and the tenants had to move out. When I brought the insurance adjuster over to inspect the house, I found out that the property was vandalized and burglarized, with all of the heating and water pipes removed, windows broken, etc. while vacant. At that time, the insurance company refused to pay any claims. While I was able to obtain different insurance coverage, I was forced to finance the repairs out of pocket. 
While slowly repairing the damages from Hurricane XXXX and the burglary, XXXX XXXX XXXX devastated the area, and the home sustained even more damages than during Hurricane XXXX. All repairs ceased and I had to start from the beginning. Like many homeowners at that time, I then had to fight with my insurance company to cover incurred damages. Unfortunately, the property was not covered by FEMA because it was not my primary residence. Although working with the insurance companies took a great deal of time, I was successful and was able to begin repairs. 
Throughout this time I have been in constant communication with the bank and had all intentions of rectifying the mortgage arrears once the repairs were completed. The series of events slowed down the process and made it almost impossible for me to be able to catch up. Unfortunately, since XXXX XXXX XXXX, the location of the property is considered severely depressed and unable to sell for anything close to the original purchasing price. I have been left with no choice but to sell the property for less. My attorney has been in negotiations with the bank to resolve this issue on my behalf. We have made some progress, as the smaller second mortgage was closed and discharged in XXXX. In the meantime I have been receiving letters from the bank and the attorneys representing them. Some of these letters have been quite confusing. The most recent correspondence, for example, states that the house will be auctioned at the XXXX County courthouse on " XXXX XXXX, XXXX. '' I have attached the most recent notice of sale that was sent. The next steps are unclear to me, as the dates on this document have already passed.
Consumer complaint received 2015-04-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Contacted me instead of my attorney
Company: ProCollect, Inc. (KY)

I was robbed at gunpoint while at college in an apartment that I was placed in with other occupants based on profiles we each filled out. The apartment employee, XXXX, placed me with XXXX people he had wrestled with in a room that was down the hall from my friends. We each had our own bedroom/bathroom that locked in each apartment. The kitche/familyroom & washer/dryer were common areas that were shared by all. The XXXX gunmen that entered the apartment were looking there for another tenant that XXXX wrestled with and knew. This roommate had been in drug treatment facility and was a known drug dealer. I had just meet these people & had only known them for 3 weeks. My wallet was taken, my laptop, my new iphone 5 & games from my room. They locked us in a bathroom and left. We waited and then all went to other friends apartments and called police. Nothing was recovered, the police investigator said the XXXX gunmen were XXXX and they would not prosecute because they would just get out. We had pictures of them from cameras outside our entry door. The apartments kicked the XXXX guy out because it was his fault. They offered to move me and the other roommate to another apartment if I wanted to. I was scared and said I would rather go home. I arranged through the Dean at school to finish my classes at home. The apartments fired the lady over operations at the facility and a few other people because of all the problems with issues on property. The gate was never closed, doors left open & not secured, fights, etc. Police were on property XXXX times the XXXX weekend I was there. XXXX XXXX from the apartments corporate office in Indiana said that was okay and I left by XXXX XXXX, 2014. No one ever sent me anything, nor did they tell me I would owe anything. I did not receive anything until the end of XXXX 2014. My attorney sent them a letter and they said they would take care of it. Now, I start getting calls from a collection agency??? I have ask them to contact my attorney and given them his information several times. They continue to call. They have been very rude to my mother and even cussed on the phone, which we have recorded on our answering machine that was recording the conversation. The males who have called were nice, took the information but then we were disconnected. The females ( all but XXXX & there have been several ) are extremely rude, have cursed & are not professional at all.
Consumer complaint received 2015-04-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Information is not mine
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NY)

A {$600.00} medical bill for treatment of my wife, not me, was sent to collection. The only way I found out about it was when I did the free annual credit report. I told the debt collector that it was not for me, they said the medical service provider chases the insured name and not the person who signs the form at the doctors office. My sister happens to manage a medical office and she verified that the service providers XXXX the insurance that was used, and not the person who signs the form accepting responsibility. What is the point of having a patient sign that form if they doctor chases the insurance? The system is horrible and biased in favor of the insurance/doctor/bill collector. If any one of them had sent me a certified letter explaining the facts I surely would have resolved this MINOR ISSUE. The law should REQUIRE at least certified mail before an allegedly unpaid bill tarnishes a person 's credit score. I had perfect credit all of my life until this unwarranted, unfair, and uncalled for blemish marred my credit score. My reputation has been slandered by the doctor 's office, the insurance, and the bill collector, and they walk away scott free. It is way too easy for them to throw out claims without any substantiation. They ought to be ashamed of themselves, especially for the bill collectors who are bottom feeders and bullies anyway! I know that N.Y. has recently made some slight improvements regarding medical bills. That 's great, but what does that bill become when sent to a collection firm? The federal government must do what states can not or will not do. 
This happened several years ago, so my letter is more of a cautionary tale, than any request for assistance. On the other hand, if there is any action I can take now I would be very interested in learning what that might be. Thank you. God knows we need all the help we can get to fight against the many unethical, though maybe legal, practices exercised by firms today.
Consumer complaint received 2015-12-02
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Performant Financial Corporation (IN)

I received a letter from Performant Recovery Inc. stating they were a private collection firm contracted by the U.S. Department of the Treasury, XXXX XXXX XXXX to collect a delinquent balance owed to Dept of Health Human Services for {$1300.00}. 

I have received no prior communication from any government agency that I owed this money and after several requests for details from this company no information is provided.