BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-20
Company: CREDIT ACCEPTANCE CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Shopping for a loan or lease

Complaint:
In XXXX XXXX I was looking for a cheap vehicle to purchase when I received my yearly income tax refund. I came across a small used car dealership near my home here in XXXX, XXXX called XXXX XXXX XXXX XXXX of XXXX XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. ( XXXX ) XXXX, ( XXXX ) XXXX. The Business was owned and operated by Both XXXX XXXX and XXXX XXXX who also owns XXXX XXXX at XXXX XXXX XXXX XXXX. XXXX, XXXX XXXX. I had found a Small AWD XXXX Suzuki Aerio Sx vehicle that was on there lot.. A verbal agreement of XXXX was what the dealership wanted for this little car. However due to my income tax only being around XXXX we had agreed that I could use that money as a down payment and lease the rest. They had me lease the Vehicle with a company Called Credit Acceptance Corporation of XXXX XXXX XXXX XXXX, XXXX XXXX Phone number XXXX XXXX. Which I then find out the vehicle had be lease for 4 times more then what the dealership was asking for the vehicle. The agremment was made for XXXX and now instead I 'm locked into a lease agreement with Credit acceptance Corporation for over XXXX not including the down payment in cash that XXXX XXXX XXXX accepted in the amount of XXXX. Any help with this situation will be greatly appreciated. Screen shots of the XXXX conversation that started in regards to the vehicle has been attached to the complaint. Owner of Auto dealership quickly deleted XXXX page after sale.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: Keith D. Weiner & Associates Co., L.P.A.
State: GA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX of my loans was left out of my previous loan consolidations. This was an error with the consolidation department as it was handled over the phone. I was unaware of an collections actions on the remaining loan as I moved until I received notice from my employer regarding pending garnishment. 

I immediately called the collection company, the school where the loan was issued, and the loan consolidation agency to get this situation corrected. I 've jumped through every hoop requested and been very cooperative. The collection agency requested me to let them know once I received a letter from the consolidation department. I did and called Monday and again today, the rep " XXXX '' asked that I forward the letter to her via fax. I explained I was home and could not fax, however, I could take a quick picture and email or I could scan in and send via email which would be essentially the same as faxing it. She started to get abusive at this point, saying she gave me the option. I said you are being a bit difficult, she then flipped her lid and started over talking me and threatening to hang up and over talking everything I attempted to say. I was extremely nice and asked 3 or 4 times repeatedly for her no to hang up and just listen to what I had to say. After her tyrant, I stated I apologize if she thought I was being rude or difficult and unhelpful and that was not my intent. I said, however whith me trying to send you over these documents that you are being a bit difficult because I have scanned and emailed info to her before and quite frankly being nasty in over-talking me and speaking to me in this manner. She said well ok this call is being disconnected and hung up on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-14
Company: PHH Mortgage Services Corporation
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We sold our old house on XXXX XXXX, 2015, and dropped our home owner 's insurance from XXXX XXXX. We also have auto and home owner 's police through state farm on our new house. The underwriter removed the multi policy discount on all of our policies. On XXXX XXXX, 2015 XXXX XXXX billed our mortgage for {$1300.00} when our policy premium should have been XXXX. According to our mortgage company, they claim they sent us a statement showing and increase in escrow dated XXXX XXXX, 2015 ( we never received ). They debited our bank account on XXXX XXXX, 2015 for {$1000.00}. The authorized debt amount is {$700.00}. They debited our account for an unauthorized amount of {$380.00}. Our insurance company is in the process of refunding us the amount of overpayment. Federal law requires a 60 day notice of any escrow changes before the account can be debited. ERA mortgage debited our account on XXXX XXXX, 2015, less than the 60 day claimed notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-20
Company: PHH Mortgage Services Corporation
State: IA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I paid off my mortgage loan in XXXX XXXX with PHH Mortgage Services and can not get them to release the loan. In XXXX I took out a mortgage with my husband. This loan was paid off in XXXX when we divorced. I took out a new mortgage ONLY IN MY NAME to close out the joint loan with my husband. The joint loan should have been released in XXXX, but PHH sent me this release earlier this year. What I have been trying to get PHH to do is to release the mortgage that was only in my name. I called PHH on XXXX XXXX, XXXX, XXXX XXXX, XXXX, and XXXX XXXX, XXXX. They kept telling me that they were working on the correct release. I then sent them a letter on XXXX XXXX, XXXX. PHH still has not released the loan in my name that I took out in XXXX.It was not a refinance of the original loan because I was taking the loan out only in my name and paid the joint loan off in XXXX to erase any connection to the home with my former husband. I need to get the release as soon as possible. This tremendous delay has made it now an urgent situation because I am planning to sell my house in the first quarter of next year ( XXXX ). Please do what you can to urge PHH to release the correct loan that had only my name on it. Thank you.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Allied International Credit Corp., (US)
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX IS CHARGING FOR UNAUTHORIZED SERVICES. 

They agree, but it can not be resolved unless the Resolution Department deals with it but when you call to get resolution, there are XXXX people in the queue. 

XXXX XXXX is putting me in collection even though I have contacted them at least 5 times since XX/XX/XXXX. The collection agency can not fix this. I contacted them but they say only the XXXX XXXX XXXX Department on can adjust it and there are XXXX people in front of me every time I call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: Army and Air Force Exchange Service
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
My taxes have been taken from me for a few years in an attempt to collect my debt. I asked for inquiry of my balance. On the itemized billing that I received it shows that whatever amount they took from my taxes was credited to my balance but then " reversed '' and added back to my amount due. I have sent an email with the scanned copy of the bills highlighting where the discrepancies were and no one can give me straight answer of what 's going on and they are still attempting to collect the debt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: Bursey & Associates, P.C.
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Bursey & Associates acted as a debt collector for XXXX XXXX. I settled to accounts with them and was advised that the accounts would be updated on my credit report to show settled. As of XXXX both accounts are showing as collections by XXXX XXXX XXXX and XXXX. See attached letters as proof of settlement. The abusive language refers to questions they asked. Where are you going to get the money etc.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: Trident Asset Management, L.L.C.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I contacted Trident Assest Management to validate XXXX returned checks that I have no knowledge of. They sent me XXXX checks with signatures that do not resemble mine. I was never notified of any returned checks to the company listed on the check or the company. I also requested information on their right to the money they say I owe them. I did n't receive it. These accounts remain inaccurate, unvalidated & they continue to report on my credit reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-10
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
To whom it may concern, I recently applied for credit with my bank and was declined because of a low credit score XXXX from XXXX three ( 3 ) months prior. While researching the cause of the low credit score, I found there was no justification for my score to be at such a low mark and I seek an internal investigation on all three ( 3 ) reporting agencies for possible XXXX individual discrimination. As a United States tax paying citizen without any derogatory reporting and without any paying delinquencies with my creditors, I am seeking to establish a potential law suit to challenge the status quo of the following organization. These agencies consist of XXXX, XXXX and Equifax. Please inform me about how I can pursue to challenge and correct this matter, XXXX - XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-06
Company: Secure Capital Management, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received several phone calls from XXXX XXXX stating that I owed XXXX XXXX and he was wanting me to settle this debt before they end out a summons to take legal action against me. I informed XXXX that I paid my loan and that I have the document to prove that the loan was paid. He asked me to email the documents and I refused and asked for his address. He gave me a XXXX. XXXX. He continues to call and demand payment and has stated that the loan must have been sold and that I had additional payments to make. The loan amount he stated is not what I paid and the loan was paid over 1 1/2 years ago.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: PHH Mortgage Services Corporation
State: MN
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My husband and I have applied for loan modifications with our mortgage company ( and received them ) a few times in the last few years. The problem is they have n't lowered the payments or interest rate. We recently filed bankruptcy but did not include our home. Our bankruptcy lawyer informed us about the HAMP program and we have a XXXX XXXX loan. Our mortgage company never mentioned this program to us and now are saying we do n't qualify because of our modifications. 
Our bankruptcy lawyer suggested contacting you to help take care of this. I 'm certain we would have qualified for the HAMP back when we first applied for a modification and would like to see that remedied. Also, the attorney mentioned that we should n't have had to pay thousands of dollars to receive the modification ( which was required each time ) but we were not aware that they are n't supposed to require that so we had to take out a loan using my husbands XXXX account and because of that, his take home pay is {$800.00} less each month because of the loan payment right out of his paycheck. 
I am quite frustrated with our Mortgage company PHH Mortgage as they have not helped us with the financial difficulties but made them considerably worse. Now they are saying we are going into foreclosure again on the XXXX of XXXX Please help. 
XXXX and XXXX XXXX PHH Mtg LN # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-20
Company: Paypal Holdings, Inc
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I have a XXXX Paypal accounts. Sometimes I transfer between them and also I have sold things to others and they pay me with PayPal Cash cards, which I can deposit into my PP account. Which I do. Paypal states this is high risk to " them '' and froze my account. They state my account is frozen for 6 months. I have over {$1000.00} in this account. They simply freeze it. This is not right and not fair and even if I agreed with the risk factor, 6 months is simply way too long to " see '' if there is a chargeback or anything else. They keep and use others money for Free at their whim.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-02
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I am complaining about PayPal Credit, formerly known as XXXX. This company seems intent on not having me pay off my debt, and giving me credit when I do n't want it. I was just charged a {$25.00} fee on an {$89.00} bill I did not know I had. The company apparently automatically signed me up to put on PayPal Credit, anything I bought or paid for using Pay Pal. So when I thought I was paying something off immediately, at the time of purchase - I have a bank account linked to PayPal - I was actually putting stuff on PayPal Credit. There has always been something suspicious and shaky feeling about XXXX, which is now PayPal Credit. I suspect they are doing their best to put charges on this credit card like service, and then charge people late fees. Because you get no bills in the mail, it 's quite easy to do, especially when they are signing you up for it automatically.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
i was not aware of any moneys owed, XXXX XXXX waited for 1 year and 5 months before sending me any notice of informing me moneys are owed, i not only question the validity of this money, i also question the tactics used, the call me on XXXX XXXX 2016, informing me that moneys were owed, i ask for written details, which i was told was on its way to me, i got a mail on on XXXX XXXX 2016. i called XXXX XXXX XXXX XXXX XXXX with intent to resolve this and was told the debt was sent to collection, does this not violate every single FTC rules, i was not given the opportunity to pay or investigate the validity of this debt, i was sent a letter which is the first notification i ever got from XXXX that unless they receive payment in 5 days they would send account to collection agency, they did not give 3 day room for Post Office delivery, the letter was not expedited or sent with any delivery confirmation. 
now they forwarded it straight to collection before the 5 days was concluded. this violated FTC rules. 
if payment request is made, i should be given a decent amount of time to review ad understand the validity of the debt and ask any questions to satisfy their claims these were denied to me. and i called same day i received the letter only to be told it was in collections already. 

i was asked to call on Monday XXXX XXXX, 2016 to speak with a Supervisor so we could clear up any balance if owed.only for supervisor to inform me it has been sent to IC Systems and nothing could be done on this account. 

first of all i never switched my account to XXXX XXXX, they never had my permission to transfer my service, i questions them on how did my service get managed by them and also i transferred back to Power company of choice and now it seems they are attempting to penalize me for this, why should i pay a cancellation fee if they fraudulently moved my account to their organization, what number was this call from that moved service. was there a recording? 

anyway i am willing to pay it off just for a settlement but i protest and would pursue every legal action if reported to my credit report

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Paypal Holdings, Inc
State: NY
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I hired a freelancer to make a website for me. I paid 50 % of the total price upfront so that they could begin the work. According to XXXX I am protected by PayPal from fraudulent " Sellers who provide services or digital and intangible goods. '' After multiple delays, the freelancer provided me with a terrible first draft of the website. 

XXXX I decided to terminate the business relationship and asked for a partial refund. The seller refused. I asked for PayPal to step in and assist me, they also refused to assist me and decided in favor of the seller. There is no appeal process available or a detailed explanation of how they reached their decision.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-29
Company: Paypal Holdings, Inc
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
During my transaction with ebay.com/paypal, the checkout process is very deceptive and will sign you up for a paypal credit card in a deceptive manner. During the checkout process, the website will automatically default to the payment option of " paypal credit '' which will make the buyer assume they have a credit sitting in their paypal account as I had. When you choose this method, it brings up a screen asking you to confirm your information. Still nothing really indicates you are signing up for a credit card. The feel of the website at this point makes it as if, for security reasons, they are confirming your information. Once you " update '' your information, you are then brought to a " congratulations '' screen indicating you have been approved for credit when again, all I was trying to do was use an existing balance I had within paypal. Given the nature of paypal 's business, most of their customers would assume they have a paypal " credit '' as most of their clients do not know that paypal has now entered the consumer lending industry. Traditionally, they were an electronic payment vendor and this is what 95 % of their customer base, including myself, still see them as. Paypal should not abuse their relationship and take advantage of their customer with these deceptive practices. If most people knew they were signing up for a credit card with clear verbiage, they would not choose to do so. Please investigate this and put a stop to these deceptive practices that paypal has implemented.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-01
Company: Phoenix Financial Services LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, XXXX, I received a notice from Phoenix Financial Services that I had an account with XXXX XXXX XXXX of FL in collections for {$65.00}. XX/XX/XXXX, I had paid my bill to XXXX XXXX XXXX. The company subsequently refunded the payment I made, as my insurance had covered the {$65.00} bill. 

I contacted Phoenix Financial Services with the telephone number on the letter I got int he mail. I explained to them the situation. I had both receipts from the payment and the refund. I asked them if there was a way to submit this paperwork. The representative gave me an email address and reference number to send the paperwork to them. I did, and waited a number of weeks to hear back from them. I had not heard anything. I called them a second time, and they claimed that they received my documents but now they had to contact the original creditor. I thought that was reasonable. A few weeks later, I called again. They claimed that they still had not been able to contact the original company. 

A few weeks ago, I called back again. They informed me a second time that they have not been able to contact the original company. I explained that this account was negatively affecting my otherwise clean credit report. It is an inconvenience, as this situation could not be handled in any sort of swift manner. The representative assured me that since it is being disputed, it would be off my credit report. 

I called back XX/XX/XXXX, as I saw the collections was still on all three of my credit reports. The representative told me it was because they usually update once a month, and I should see that they are not there within a few days because it had not been exactly a month since they deleted the information off of my credit report. 

I checked my credit report last week, and the collections are still there. I do not believe that Phoenix Financial Services has contacted the credit bureaus or the original company on my behalf, despite claiming that they are looking into my dispute. 

I 've called Phoenix Financial Services numerous times, and they are not able to make any progress with my dispute. It does not seem like they 've made any effort to even explore the validity of my dispute. I have done everything correctly and everything that they requested for me to do on my end. However, whenever I call them, it seems to me that I get a different excuse from the representative on the line.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation