davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (IL)

I had another inquiry on my credit report that I did not do. I have contacted both companies and they are aware that someone has stole my social security number. I have put a fraud alert on my credit. The two companies are XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX and XXXX XXXX XXXX XXXX XXXX, MO XXXX ( XXXX ) XXXX I would like this investigated and taken care of. Someone tried to get a XXXX dollar loan in my name from these two companies. If I need to do something more please let me know. 

Thank you, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX
Consumer complaint received 2018-01-25
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (CA)

I have a massive issue with my new servicer SPECIALIZED LOAN SERVICING, LLC They are a big scam who are trying to foreclosure on my home illegally with fraudulent practices and intent. 
I HAVE A SCHEDULED FORECLOSURE SALE DATE SET FOR XX/XX/XXXX. 
I recently had my loan transferred over from XXXX XXXX who Ive been working with to achieve a loan modification. On XX/XX/XXXX XXXX XXXX representative advised us that our loan modification packet was deemed completed and it was sent to underwriters for review and could take up to 30-days for the review. Next thing I know I receive a letter from SPECIALIZED LOAN SERVICING, LLC saying that they are the new loan servicer while I was still in the loan modification review and with no response from XXXX XXXX regarding the review. SPECIALIZED LOAN SERVICING, LLC said that they sent out their welcome letter on XX/XX/XXXX. Once I received the welcome letter I quickly put together a request for mortgage assistance forms and all necessary documentation to have a complete packet and mailed it out on XX/XX/XXXX. SPECIALIZED LOAN SERVICING, LLC said they have received all my documents on XX/XX/XXXX. A representative at SPECIALIZED LOAN SERVICING, LLC advised us that they will not review the request for mortgage assistance due to the sale date being too close and that they would of needed 45-days prior to the sale date to be reviewed. 45-DAYS FROM XX/XX/XXXX IS XX/XX/XXXX. I was not even aware that my loan was transferred 45-days from the sale let alone given any time what so ever to have a chance to be reviewed for a loan modification. SPECIALIZED LOAN SERVICING, LLC does not care about me or my willingness to work with them and achieve a loan modification, pay my mortgage and live a quiet life for once in a very long time. SPECIALIZED LOAN SERVICING, LLC are not willing to work with us at all, they are scamming me of my chance for a loan modification. All SPECIALIZED LOAN SERVICING, LLC want to do is sell my home. I feel like XXXX XXXX and SPECIALIZED LOAN SERVICING, LLC strategically transferred the loan so that the time frame would put us in a 45-day before sale bracket and not allow us even a shot at a review. This was done to just sell my home away. 
On XX/XX/XXXX I was in review with XXXX XXXX. 
On XX/XX/XXXX I received a welcome letter from SPECIALIZED LOAN SERVICING, LLC. 
On XX/XX/XXXX I mailed out my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX SPECIALIZED LOAN SERVICING, LLC received my loan modification request for mortgage assistance packet. 
On XX/XX/XXXX is my foreclosure sale date. 

If SPECIALIZED LOAN SERVICING, LLC continues to foreclose on my property they will be in violation of the CALIFORNIA HOME OWNERS BILL OF RIGHT ACT and definitely other laws for wrongful foreclosure.
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: Agency of Credit Control (CO)

I called a collection company that was reporting on my credit reports in good faith to make payment arrangements. We had agreed on an amount and then she emailed me the confirmation that was XXXX more then agreed. When i refused to pay that amount she became hostile with me and threatened to take me to court and threatened me i would pay 21 % daily interest plus an additional XXXX dollars if i didn't agree to the new total.
Consumer complaint received 2018-04-11
Product: Mortgage — FHA mortgage
Issue: Struggling to pay mortgage — 
Company: CITIBANK, N.A. (MI)

This is our 2nd complaint on this file with CFPB. The initial complaint was not resolved, however it was closed out by CitiMortgage. Our current complaint is that CitiMortgage countered the buyer on our short sale on XX/XX/XXXX. Our buyer agreed to the counter offer on XX/XX/XXXX and we submitted the necessary documentation to CitiMortgage at that time. I then had to send numerous follow-ups to get a confirmation of receipt. After my 3rd request placed on XX/XX/XXXX our negotiator confirmed receipt and indicated she would work our file that day. On XX/XX/XXXX the negotiator indicated she was waiting on an internal document that pertained to the value to proceed and that it should be back " in about a week ''. On XX/XX/XXXX I was contacted by XXXX XXXX advising me she is the new contact on my file. On XX/XX/XXXXI hadn't received an update and asked for a status. I inquired how CitiMortgage could counter the buyer 's offer if they were waiting on an internal document that pertained to the value. My e-mail was rejected and it was then that I learned the file had been assigned to a new negotiator XXXX. I messaged him inquiring the same and although he responded it still doesn't make sense that a form pertaining to the value that is important enough to delay our file isn't on hand - yet they can counter the buyer 's offer. He indicated that the form that the previous negotiator ordered doesn't apply to our area of the country so he would order something else. I sent a follow-up on XX/XX/XXXX and was advised that there is no timeframe in which the document he has since requested will be provided. As of today our file still hasn't been approved - we are nearing 30 days from when the buyer accepted the counter offer.
Consumer complaint received 2018-04-11
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CT)

I am a victim of identity theft i have noticed inquires on my credit reports that i did not do. I filed a police report to file a complaint to report it. I have inquires on my credit reports that wasnt by me. I wrote called, sent certified letters & copies of my police report disputing the inquires. & they still Have not been removed it have been more the 4 months. The following inquires are : XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX XX/XX/XXXX,XX/XX/XXXX, XX/XX/XXXX,XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX
Consumer complaint received 2018-04-11
Product: Student loan — Private student loan
Issue: Struggling to repay your loan — Can't get other flexible options for repaying your loan
Company: Nelnet, Inc. (CO)

I called the company, Nelnet, to see if they could lower my interest rate and they said they could not. I have been paying on my student loan at around 8 per cent and my balance has stayed about the same. Interest rates have been from 2 to 5 per cent and there is no reason for paying such a high rate of interest. I was a student and was not able to get a job in my field of study. I had to work and start at the bottom of a customer service call center. It was hardly enough to contribute to the support of my wife and grandchildren ( at the time ). 
Now my situation is different. I am on Social Security and scrambling to make ends meet. 
Thank you.
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Struggling to pay mortgage — 
Company: Specialized Loan Servicing Holdings LLC (MD)

I XXXX XXXX applied for a home modification from specialized loan servicing, and was approved.they gave me a three months modification, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX, still paying.the repotted to credit buereau that I was three months late ' the company is specialized loan services I called them and they said it will stay on - my credit report I never was late.i was in a modification XX/XX/2017-XX/XX/XXXX and XX/XX/2017.i was told that after modification my account would be updated. 


XXXX XXXX XXXX XXXX XXXX Maryland XXXX XXXX
Consumer complaint received 2018-04-11
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: TRANSUNION INTERMEDIATE HOLDINGS, INC. (MS)

I just looked at my credit report and was shocked to see the numerous amounts of errors XXXX  have listed. I am filing a complaint to have remove them immediately. XXXX Report Number : XXXX, claimed information that is incorrect and error on my credit report as accurate and verified. XXXX  has ignored my request to provide me with the documents that their company has on file that was used to verify the accounts I disputed. I received a letter from XXXX XXXX/XXXX   only that was not validated or verified proof of the late payments that are reporting on my credit reports. Under Section 611 ( 5 ) ( A ) of the FCRA they are required to, promptly delete all information which can not be " verified '' I " validated '' that I have disputed. I have not received any verification or validation of late payments reporting from XXXX XXXX XXXX  and XXXX XXXX in which was originally reporting 30 days late and was updated on my credit report to " ND. '' IDENTITY THEFT REPORT ATTACHED.
Consumer complaint received 2018-04-11
Product: Mortgage — FHA mortgage
Issue: Trouble during payment process — 
Company: Onity Group Inc. (GA)

We want the CFPB to have Ocwen show how they could service a loan for a company that was out of business before we got the loan? 

We would also like the CFPB about Ocwen 's breach of contract. Ocwen started servicing our loan, XX/XX/2013. They applied the first payment on time but charged us a late fee. 

Also, we would like the CFPB why they breach our contract from XX/XX/2013 - XX/XX/2013 without paying our homeowner 's insurance? When we requested a rescission all of the TIL disclosures were incorrect and Ocwen had been in breach of our contract for failure to pay XXXX for 6 months. This violates RESPA and Georgia Residential Mortgage Act.

False disclosures are the same as non-disclosures.
Consumer complaint received 2018-04-11
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: CL Holdings LLC (NY)

The collection agency for XXXX is XXXX XXXX XXXX. XXXX does business by sending catalogs to peoples home that is linked to people Old account I had call them to tell them stop sending catalogs I am not I tersted. Recently they send me a bill I call them to tell them I did not make any purchases they keep insisting that I did. I use to buy their products 35 years ago and I paid back all the money I owed.
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Other personal consumer report
Issue: Incorrect information on your report — Information that should be on the report is missing
Company: EQUIFAX, INC. (VA)

I have asked Equifax several times to add the following to the report after the mistakenly removed it .... 

Please add these back. They were taken off in error and the creditor said they are STILL reporting it. It is on EQUIFAX now to add It back. Thank you! This is becoming very serious! 

XXXX XXXX XXXX - Monthly payment {$380.00} - Closed XXXX XXXX XXXX - Monthly payment {$550.00} - Currently active. 

XXXX says they are actively reporting it but Equifax deleted these two. Please add back just the two non-fraud GOOD STANDING accounts. 

They were removed by mistake, the removed a charged off one properly, but also removed these two which are in great standing. These two being removed hurt my score tremendously. Please add JUST THE TWO ABOVE back. 

I tried talking to the creditors and they said it is properly reporting, so I have to request Equifax adds them back.
Consumer complaint received 2018-04-11
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem — 
Company: Coinbase, Inc. (IN)

I purchased XXXX LTC/BTC coins on Coinbase then approx. a week later they disappeared from my wallet.I called coinbase, they sent an email asking for screenshots.I sent them right away then heard nothing.A couple of weeks later I emailed them again.They asked for the same screenshots which were sent within minutes.I waited a couple of weeks and received no response.I emailed coinbase again and called each time they ask for the same information.
Consumer complaint received 2018-01-25
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Accelerated Financial Solutions, LLC (ME)

Getting calls about a debt that I settled and paid in XX/XX/2016, I do have the letter that debt was paid in full, told that to AFS and they keep on calling to collect on debt. I told them to send me letter to let me know who they are and when they purchased the debt, they refuse and want me to send them info about me and that I paid, when I told them I will not do such a thing they talk over me, threatening me with the law, than they hang up, this happened three times now and I told them everything has to be in writing, they totally disregard any of this and still keep on calling. I will not send them any info, because I dont know who they are and I still have not received any of paperwork that I asked for. I dont want to take a lawyer but I might not have a choice, so some help would be appreciated.
Consumer complaint received 2018-01-25
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Loan balance remaining after the vehicle is repossessed and sold
Company: Byrider Franchising, LLC (PA)

Is byrider/XXXX lured me into a predatory car loan by selling me a car that is defective.. The car is worth a fraction of the amount it was sold for and it is defective and unsafe to drive.. Within the first month the car was in the shop because I experienced the car shutting off while driving.. The car has been in the shop every month for this same problem and every time they say its fixed I experience the same thing of the car just shutting down while I 'm driving. Recently this has oucured 3 times in 1 day and happened on the highway and almost got me seriously injured or killed by a 18 wheeler.. I 've been paying for this car for 8 months and have n't driven it the last 2 months.. I 'm well within my warranty for mileage.. I do n't feel the car is safe to drive and not worth the amount I would be stuck paying. Which will be even more with the 21 % Apr.. I turned the car in on a voluntary reposession..
Consumer complaint received 2018-01-25
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: Experian Information Solutions Inc. (CA)

I filed a previous complaint for putting false information on my credit report showing a collection belonging to another person. They said they could n't find any false information, then sending a copy of my credit information which CLEARLY shows the wrong information in it!
Consumer complaint received 2018-01-25
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: The Best Service Co.,Inc (CA)

XXXX/XXXX/2017 XXXX XXXX XXXX XXXX " original creditor '' {$420.00} Harassing calls to pay debt even offering payment arrangements. 
I was victim of identity theft and contacted by police.
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Ditech Financial LLC (MA)

Originally I had mortgage with Green Tree on our primary residence. Once Ditech LLC took over, the mortgage started being serviced by them.

We had regular trouble with escrow and extra payments applied not to the right account. Finally, we have decided that the best is to stop interacting with Ditech, therefore we need to pay off the mortgage.

What was good : it was a click of a button to get to the amount of the pay-off - done on XX/XX/XXXX. Good stopped right there.

The amount came with completely unclear instructions on how to actually do the payment. I ordered a cashier 's check on my name from my checking account for the full amount of the pay off. As per usual, cashier 's check on my own name can be signed over to anyone with my signature and will be as good as cash. In this case it was a check on my name signed over for the deposit into the account on my name! What can be confusing about it?

Before putting this check into the mail, I decided to call Ditech on Saturday, XX/XX/XXXX. My question was simple - do I need to sign the check on the back or is it fine as is, as the check was on my name and is intended to be deposited into my mortgage account on my name ( the sole owner of the account ), which every other bank on Earth has no problem doing.

My conversation devoted to this one question lasted for about 20 minutes. I was asked to be put on additional alerts, e-mails, etc. Mildly annoying, but ok ... I was talking to XXXX. She had no clue what I was asking, asked to do some research multiple times during the conversation by putting me on hold and continued to ignore all my very polite requests to please connect me someone else who might have dealt with pay-offs before. She told me that the check I'm holding is a third party check and they will send it back ... ( where is the third or second party here? Check on my name to be deposited to my account! ). I was upset for several days about this. It is important to know that I'm local to MA, so going to Ditech to resolve this in person was never a possibility.

After all, I decided to not send the check by rather do an electronic direct wire. I went to my bank so that I do a direct wire. With a banker at my side we called Ditech again today, on XX/XX/XXXX, again got XXXX  on the phone. The question we had was even simpler : can we, please, have the physical address that is associated with the bank account # that we're wiring the money to. She said we're wiring the money to the XXXX XXXX XXXX and gave their physical address in NY. The banker who was helping me initiate the wire said : this can't be the case, as you need the address of the final recipient institution. In response XXXX gave the address of Ditech in IL. I hope that my wire is arriving shortly and that the pay-off will be handled smoothly.

This type of customer support and complete incompetence is absolutely unacceptable and needs to be known to anyone who has a choice of a mortgage company to deal with.
Consumer complaint received 2018-01-25
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Problem when making payments — Problem during payment process
Company: CITIBANK, N.A. (MD)

I have been making payments on my credit card. The payments clear my bank account but my credit limit does n't reflect it for 7 to 10 business days after clearing my bank. I am paying a fee to use  this credit limit and earn miles, however, I can not because my credit limit is being held up. On XX/XX/XXXX I made a {$400.00} payment that cleared my bank account the following day on XX/XX/XXXX. My billing period has since closed and as of XX/XX/XXXX this payment is still have not been applied towards my credit limit. This happened the previous month and the Citi Rep told me to make the payment over the phone. So, this payment was made over the phone and the automated service stated that my credit limit would reflect the payment in 2 business days after being received. When it did not then I called XXXX XXXX XXXX on XX/XX/XXXX and he could not help me and told me I could call another number. I have been paying other credit debt with Citi for years from my bank account which has been established and in good standing since XXXX.
Consumer complaint received 2018-04-11
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: Flagstar Bank, N.A. (MO)

Flagstar Bank of XXXX Mi sent me a {$300.00} refund from escrow as bal to high, then increase my escrow needed to cover XX/XX/XXXX. They refuse to keep {$190.00} & send a refund {$110.00} & leave escrow & payment same. I refinanced RE due to divorce with XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXthen sold to Flagstar Bk.

My last mtg holder XXXX XXXX XXXX always gave me option to pay more n escrow & leave escrow & pmt same. Flagstar flat refuse any option. I ask them to sell mtg to another bank & refuse.
Consumer complaint received 2018-04-11
Product: Debt collection — Medical debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Midwest Credit & Collection, Inc. (IL)

I was a victim of ID Theft. I sent a Dispute Letter to Midwest Credit Collections on XX/XX/XXXXand another onXX/XX/XXXX of which they sent ME billing statements of the alleged debt but not a contract with my signature specifying that it was me who signed a agreement for the alleged debt. I enclosed a copy of the ID Theft Affidavit as well as the Dispute Letters sent to Midwest Credit Collections of which all of the fraudulent accounts listed on the Affidavit have been removed from my Credit Reports EXCEPT Midwest Credit Collections and one other of which I am also filing a complaint, all well as filing a law suit. Is Midwest Credit Collections above the Law??? The FDCPA and FCRA!!!!

Please also include Account # XXXX   1/.XX/XX/XXXX Account # XXXX XX/XX/XXXX Account # XXXX  XX/XX/XXXX