davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-04-09
Product: Credit reporting — 
Issue: Unable to get credit report/credit score — Problem getting my free annual report
Company: EQUIFAX, INC. (NV)

In XXXX 2015 I requested my annual free credit reports, sent in a copy of my driver 's license and social security card but have only received a copy of my credit report from Equifax last week. I sent several emails but have not received credit reports from XXXX and XXXX. 
Equifax continues to add several addresses that are incorrect ( lived at the same address for the past 26 years ) to my report, account numbers and year acct open have been changed and information over nine years remain on my report. This is the same complaint I filed against all three bureaus but still experiencing the same problems today.
Consumer complaint received 2015-10-30
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: ARVEST BANK GROUP, INC. (FL)

I defaulted on my mortgage XX/XX/XXXX with Central Mortgage. The property has been occupied by a known person that has not paid rent or local taxes or utilities, which now have tax and sewer liens The property is valued at XXXX XXXX. Central Mortgage has not filed for foreclosure after 6 years, going on 7 years. I have called the attorney XXXX XXXX repeatedly to ask them why, and they said they have not had direction from the lender. I filed BK in XX/XX/XXXX and as a result, I am no longer financially responsible for the property, however due to mortgage banking underwriting requirements, without a sheriffs deed, I can not purchase another property. I had a catastrophic event in my life in XX/XX/XXXX that caused the default. I have rebuilt my life, re-established my credit, have strong income and would like to buy a home. However, XXXX XXXX has been negligent in not foreclosing on this property and allowed a family to essentially " squat '' in the property for the last 5 years. I am aware of them living there as they used to be family friends. After the property was vacant and no one from the lender took an interest, they moved in and have lived there since XX/XX/XXXX. The mortgage is approx. XXXX XXXX and the property taxes are $ XXXX. As a result of Central Mortgage negligence, the property has multiple tax and county tax liens, remains on my credit, prevents me from moving forward in my life and from obtaining home ownership again. 
My calls to the legal firm have been ignored, calls to the lender are not accepted. Please help me contact Central Mortgage. If I had the financial resources, I am sure a class action lawsuit against this lender would find hundreds of borrowers such as myself stuck in this state of not be able to move on. After 6 years, why cant this lender foreclose and take possession of the property. They are violating the rights afforded to me under the BK laws, which they seems to care nothing about. 
Thank you for your time and service. The CFPB is the reason consumers have a voice today. 
My name is : XXXX ( XXXX ) XXXXProperty address:XXXX XXXX XXXX XXXX XXXXCurrent address:XXXX XXXX
Consumer complaint received 2015-10-28
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC) (CA)

In XXXX my husband lost his job as a XXXX. All of the work in our area came to a complete hualt. He did n't work for 2yrs in between that time we had a passing away of his mother which we ended up having to pay for the funeral. Our loan was originally with XXXX then was sold to XXXX XXXX XXXX. So for the past 4yrs we had retained attorneys to help save our home since we were not able to make the monthly mortgage payment since we only received XXXX income. My husband was not able to receive unemployment. So I did several hardships adjust my XXXX at work to retain attorneys to help us get a loan modification which at {$40000.00} later we never received even though our house was only coming in at {$230000.00} but we owe on the first {$400000.00} and on the second {$130000.00}. which XXXX XXXX XXXX would not take into consideration. So now in XXXX they gave us a loan modification with a payment of {$1800.00} per but never forgave any of the balance at all even though the value coming in at the time was only {$280000.00} to XXXX. What really blows my mind is how they can structure a deal with putting a ballon payment on our note of {$35000.00} and not even extending the term they kept it at the XXXX since that was the original loan. So now my husband due to all of the stress from the loan modification has had some medical issues that have to do with his XXXX. so we have been running one month behind and on top of that we still have a second that wants there money and we have no way of paying them. We ended up having to file a bk in XXXX and we have been married for XXXX and have never have any problems paying our bills in the past. What 's really bad is we paid all of that money to the attorneys and never received the loan modification that we should have received. More than once we received letters stating we were approved then two weeks later we are denied. Its been insane to say the least.
Consumer complaint received 2015-09-11
Product: Debt collection — I do not know
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: WAKEFIELD & ASSOCIATES, INC. (CO)

During a recent review of my credit file, I discovered a collection account that had just been added to my report. On XX/XX/XXXX I contacted the collection agency via certified mail, to request debt verification. I received a response on XX/XX/XXXX, which contained a generic printout with very basic information. The agency did not provided a copy of a signed contract with the original creditor, or a written statement from the original creditor. The agency did not provide any competent proof whatsoever that I am indeed the party responsible for this debt. Furthermore, the miscellaneous notes on the provided document indicate that the original debt occurred on XX/XX/XXXX, which is considerably more than FCRA allows negative information to be reported.
Consumer complaint received 2015-04-09
Product: Debt collection — Credit card
Issue: False statements or representation — Attempted to collect wrong amount
Company: ENCORE CAPITAL GROUP INC. (MI)

Midland Funding sued me in XXXX 2008 for {$3300.00}. I requested proof that I owed the debt which they never provided to me nor the magistrate ask for discovery. My rights were violated. All motions were denied in circuit court to overturn the judgment. Since I did not receive any proof that I owed the debt I did not enter into a payment agreement and my wages were garnished beginning XXXX 2008. A total of {$3000.00} was paid over a period of XXXX months before losing my job. Now I am being garnished again with interest for a total of {$2000.00}. I have requested in writing that they prove the debt and they have yet to do so. The statute of limitations in my state is XXXX years. Midland funding is still trying to make money off me for a debt that I do not owe and that they never provided proof that I owe. They are engaging in unfair practices by charging me interest and collecting money from me on a debt that I do not owe and that the statutes has expired on.
Consumer complaint received 2015-09-10
Product: Credit card — 
Issue: Billing statement — 
Company: CITIBANK, N.A. (GA)

After filing a complaint with the CFPB, the debt collection agency said to contact them directly to work out a solution. However, there has been no response to mailed or emailed contacts. I have yet to receive the information requested from either the original credit card company, Citibank or XXXX XXXX ( Law Offices of XXXX XXXX XXXX, XXXX, XXXX, GA ). I think that the paperwork I requested will show that the accounts was closed prior to the date reported and at a lesser balance. Please help. I made efforts to pay this debt and am still being penalized.
Consumer complaint received 2015-09-10
Product: Credit reporting — 
Issue: Incorrect information on credit report — Public record
Company: EQUIFAX, INC. (CO)

Bankruptcy ( according to Equifax 's website ) A bankruptcy under chapter XXXX or XXXX or a non-discharged or dismissed chapter XXXX bankruptcy generally remains on your credit file for XXXX years from the date filed. 
A discharged chapter XXXX bankruptcy generally remains on your credit file for seven years from the date filed. 

***I have a Chapter XXXX bankruptcy that was filed in XXXX and was dismissed in order to convert it to a Chapter XXXX bankruptcy ( at the advise of the bankruptcy attorney ). The Chapter XXXX was filed in XXXX and is discharged. This Chapter XXXX bankruptcy was dismissed in XXXX in order to convert it to a Chapter XXXX in XXXX ( within weeks of the dismissal date ). You can see the dates line up. This is a discharged bankruptcy that was tied together. There are notes in the public records that state I was in a Chapter XXXX and went to a Chapter XXXX. I can provide the document from the court that notes my repeat filing of a XXXX XXXX to a Chapter XXXX.
Consumer complaint received 2015-06-22
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account terms
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (AR)

My student loans have been forgiven XXXX and the creditor XXXX responded to the dispute telling the agency to delete the accounts from my report. I have called Transunion and uploaded the documents. The creditor has sent the documentation at least XXXX times. They will not correctly update my report. I am attaching the report that was sent to each creditor.
Consumer complaint received 2015-11-01
Product: Credit reporting — 
Issue: Incorrect information on credit report — Account status
Company: EQUIFAX, INC. (MD)

Equifax is reporting my current XXXX XXXX account opened in XXXX 2013 as XXXX times 30 days late as well as months reviewed at 16 months. The months viewed should be 23 months as the account was opened in XXXX 2013. I contacted Equifax who advised that XXXX has to update this information so they started a dispute. I contacted XXXX and they advised that this is something the credit bureau updates. I feel that Equifax is keeping this number at 16 months reviewed in an effort to keep my credit score low by having lower months of review on the account. XXXX has also forwarded to Equifax on several occasions requesting that my account reflect no lates and pays on time. I recently applied for employment and the has come up on the back ground check. All of my other accounts reflect accurately with the number of months reviewed expect for my auto loan with XXXX on my Equifax file. However it is correct on the other bureaus.
Consumer complaint received 2015-11-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: United Student Aid (USA) Funds (MI)

I am responding to the recent response by USAFUNDS and XXXX XXXX. USA Funds did not respond to my statement that they have not entered disputed on my credit reports and that is illegal USA FUNDS is not doing this, and they need show proof that they have been doing this.
Consumer complaint received 2015-09-10
Product: Debt collection — I do not know
Issue: Communication tactics — Frequent or repeated calls
Company: Consumer Portfolio Services, Inc. (VA)

Consumer Portfolio Services Account Inquiries System, XXXX has constantly called our home asking for a person who does not live here. I have asked if they have any action against either myself or my wife and they admit they do not. I have advised them that I will not discuss with them any person who does not live in my home. They started calling me by name and now are calling my wife by name. DO Not Call register obviously does not work as we have never done business with them and are the list. This needs to stop.
Consumer complaint received 2015-04-09
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Convergent Resources, Inc. (PA)

Reciving calls from XXXX, a company stating they are collecting a debt on behalf of XXXX. A credit card I paid and closed XXXX years ago. XXXX is no longer in business and is not reported on my credit report.
Consumer complaint received 2015-10-29
Product: Prepaid card — General purpose card
Issue: Managing, opening, or closing account — 
Company: Empowerment Ventures, LLC (TX)

Rush card has not been posting my deposits the past XXXX pay periods, so this has been going on for a month. I received my last deposit 2 days late. I live paycheck to paycheck, and have been forced to borrow money to be able to get back and forth to work. I am getting late fees due to not making payments as planned. I plan my bills with my pay dates. Something must be done, I am reading all over the internet that many people are having the same problems. I ca n't access my online banking, nor can I get thru to the bank. I have held over XXXX hours to be disconnected. Very frustrated and it seems they are not fixing the problems.
Consumer complaint received 2015-10-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: Convergent Resources, Inc. (MS)

I called XXXX on numerous occasions with more than XXXX excuses why they could not close my account. Every time I would call one rep even told me I would have to wait. I was like wait to close an account that I want closed now this is ridiculous. I placed another call and was told to wait until my billing cycle ended. Every time I called it was excuses after excuses that really burned me out as a consumer trying to get this resolved with my credit applied. Many reps would hang up in order not to deal with closing the account and would place me on hold for more than an hour then they would hang up the phone because I was a loyal customer with numerous lines and they would not want to be responsible for a big account closing. This went on for several months. I got no where until I transferred the line to another carrier.and requested that they close my account they would not assist me to do so. I asked them several times and they kept transferring me from XXXX department to the other. As of today 's date I can not get a payment arrangement nor able to login into account to make a payment. I have made numerous calls to close account. They want to keep billing me the bill got out of hand from the amount that they said I would be paying each month it was double from the original amount instead of XXXX it became over XXXX per month and not what they quoted me. I was told on numerous calls that I would receive credit as of today 's date I never received credit nor an adjustment for being a loyal customer. On XXXX XXXX, 2015 I received a letter from XXXX stating that my account lines were disconnected but I can still log on to my account which is active and pay when logging into account account would not let me login in to see my account nor assist me. I received an invoice in the amount of {$4300.00} from collection agency Convergent regarding the collection proceeding from XXXX XXXX I am still awaiting communication from XXXX on my credit of more than XXXX owed and have not received I am now being harassed for money when I tired on numerous attempts to get this account resolved and my credits applied with no communication from verizonwireless other than a letter stating that I can login to account which login does not work. I have left numerous messages with customer service to close account and to assist me with payment arrangement on the correct balance owed as of today 's date this has not happened and even after a letter received XXXX/XXXX/2015 from XXXX saying to pay them by login in to account but how can someone pay XXXX people at the same time them and a collection agency when the bill is still not resolved. They have never sent a letter saying they have resolved the matter nor a credit but ask to pay them and also a collection agency all at the same time which is against the law. To request payment and also request a collection agency all at the same time.
Consumer complaint received 2015-04-07
Product: Mortgage — Conventional fixed mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (AZ)

In XXXX, Wells Fargo foreclosed on my house at the above address. I have been trying to buy a house, but Wells Fargo is reporting negatively on my credit. I have called them multiple times, but no one will tell me why Wells Fargo thinks I owe them money. I should not owe on a deficiency because Wells Fargo failed to pursue that course of action within XXXX months of the foreclosure. I do not believe I owe them anything.
Consumer complaint received 2015-10-31
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Colony Brands, Inc. (OH)

The company ( Collection Bureau XXXX ) accepted funds to legally settle a debt ( Montgomery Ward ) but never provided information that the debt was settled. They never refunded me or the debt management company XXXX XXXX XXXX XXXX XXXX I was enrolled and working with. I would like for them to refund my money. My account was paid off by me in full. If they had actually completed the settlement when they received the funds my credit report could have been updated correctly for a long time prior to me paying the debt off in full. XXXX responded to me about the arrangements are as follows : Montgomery Ward - XXXX. And the rep confirmed the same Account Number to me as well. 

The settlement we had worked out with Collection Bureau XXXX was for {$120.00} on the balance of {$240.00}. We paid off the amount in the manner as follows - {$62.00} on XXXX/XXXX/2013 -- Check By Phone payment. 
{$62.00} on XXXX/XXXX/2013 -- Check By Phone payment.
Consumer complaint received 2015-10-30
Product: Debt collection — Credit card
Issue: Communication tactics — Frequent or repeated calls
Company: Financial Business and Consumer Solutions. (PA)

FBCS Senior Representative XXXX XXXX (? ) contacted me XXXX XXXX at which time I told him to send me the required letter and then i would decide what to do from there. The letter arrived on XXXX XXXX indicating the debt was bought by XXXX not XXXX as XXXX had told me. I then sent them a certified, return receipt debt validation letter which was received and signed for on XXXX XXXX. 
I received calls XXXX XXXX, XXXX, and XXXX, as well as XXXX. On XXXX I talked to XXXX again and told him about the debt validation letter. He was confused and had no idea what i was talking about, he had no knowledge of what a debt validation letter meant. He finally agreed to stop calling me until the debt was validated. To date it has n't been validated even though I was told it would be in too weeks. 
I would also like to point out the Pennsylvania is a XXXX party state for recording of conversations, and i was not told until half through the conversation with XXXX that we were being recorded, and at no time was I asked for permission to record.
Consumer complaint received 2015-09-09
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I applied for a loan modification to save my home after falling behind on my mortgage payment. I fell behind because I was transferred by my job out of state in XXXX XXXX and then back again in XXXX of XXXX. I have now resolved that hardship and I am living in my home and back to work. I applied for assistance and SPS ( Select Portfolio Servicing ) made an error in my review which resulted in a denial letter dated XXXX XXXX, XXXX. I have since hired an attorney to assist me in re-submitting my application pointing out the error on the last review asking them to correct the error and review me again as this was their error and not mine. SPS is refusing to review me and correct their error. They have set a sale date and are telling me I will be foreclosed and they will not correct their error they made and allow me to at least be considered without error for assistance in saving my home. The error on that review shows up on Item # XXXX " Monthly Real Estate Taxes ''. It shows a false amount of {$600.00} per month for my property taxes. My actual property taxes are only {$110.00} per month. Since there was an error on that review I would like them to correct that error and review me again for assistance. Another change in my circumstance is that my wife no longer works. This reduces our household income and also affects the review. Both of these taken into consideration I believe I may qualify for a loan modification to save my home. SPS simply says I ran out of time. My attorney submitted a full financial complete package on XXXX XXXX, XXXX. It was confirmed received by SPS on XXXX XXXX, XXXX. My attorney spoke with SPS today and they stated they ignored that application and will not review me for assistance. They state there is no time since the sale date is on XXXX XXXX, XXXX. Considering THEY made the error on the review and not me, prior to my Notice of Sale which was recorded on XXXX XXXX, XXXX. I think they should allow me to be properly reviewed for assistance using the correct values for my NPV chart and review. I think their excuse that my application was not early enough is not valid since they made the error in the last review and not me. I would like for them to post phone my sale date and accept my application that was submitted on XXXX XXXX, XXXX.
Consumer complaint received 2015-06-23
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: WELLS FARGO & COMPANY (IN)

Wells Fargo has consistently been posting my mortgage payments incorrectly. I keep my mortgage paid ahead and every month they apply my monthly payment to the principal. I pay extra towards the principal separately. I had been paying XXXX a month extra and last month started paying XXXX a month Every month I have to call them to update my payments correctly. The last phone call was this morning and nothing has been updated on their end. My next mortgage payment is not due until XXXX and according to their website. It is showing the last payment being received on XXXX/XXXX/15. I understand that the payment I made today wo n't post for a few days. I am frustrated with Wells Fargo.