BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-31
Company: Credit Central Holdings, LLC
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I had XXXX accounts with credit central. In the last few months I got behind. I started paying XXXX check for XXXX accounts each month. I advised the manager XXXX XXXX on several occasions that I was paying XXXX check for XXXX accounts. She continued to insist that I was behind even though I was paying XXXX check for the XXXX accounts each month with late fees included. In XX/XX/XXXX I went to the location I discovered my account was overdrawn and stopped to tell her the check I wrote would bounce and told her I wanted to pay her cash to take care of the bad check, the fees, and bring my account current through XX/XX/XXXX. She said the amount would be XXXX. I had XXXX. She did n't have change and had to go to the bank. She was gone half an hour while I sat waiting. She then took twenty minutes to figure out how to post the money. She printed me XXXX receipts total. First she printed XXXX, XXXX for each account. When I saw she charged me a returned check fee two times for XXXX check she called corporate. They told her there should only be XXXX fee. She then reposted my cash, printed me XXXX more receipts XXXX on each account, and when I saw the remainder on the small XXXX was XXXX I then gave her cash to pay that off. I told her I would be back in XX/XX/XXXX and she agreed. Then three days later I got a call that I owed te bad check and fee when I had just paid it. I advised tee to have XXXX call me. She left a voicemail I tried three days to call back but she was always in lunch as I am only call at lunch when I am not having a business lunch. We played phone tag. After two weeks of working solid teaching classes I called and tee said I owed XXXX my payment on the account not paid was around XXXX. Tee said I owed the bad check, the fee, two payments and late payments and another XXXX she could n't explain. I looked at the receipt XXXX and none reflected I paid XXXX for all of that. The only receipt that was right was the one that showed I paid off XXXX account for XXXX. The others did not add up to XXXX cash I had given her. This manager either posted my money wrong or flat out stole it. I no longer have the receipts but I am sure the company must be able to pull things like that. Two years ago they called me and said I was late on a payment I had given them when i went to pay the payment after cancelling the check they said they did n't have, I showed the girl at the desk that my check was laying right there on her desk ( the XXXX I had paid to cancel ). I drove up there on lunch to give them something they already had. I should have filed a complaint then but did n't.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Kwest Mortgage Group,  LLC
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am in the process of purchasing a home in XXXX XXXX, SC. I was set to close on XXXX XXXX, but the mortgage company ordered the appraisal too late, so the closing date was cancelled and pushed back. Last night my mortgage broker, XXXX XXXX, XXXX at Kwest Mortgage in XXXX, SC told me he did not want to close my loan, made fun of my credit score, told me he hoped I defaulted on my loan and spoke ill of me being on the loan as a single female. This morning I woke to find out he had sent in a Statement of Termination to my lender and told them that I was withdrawing my application. I never told him I wanted to withdraw my application. He forged that. I do want to continue with the loan process. He forged my information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: American Financial Resources, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I applied for a refinance with Elend and they took my credit card number and assured I would not be charged anything until the process was complete. They ordered an appraisal and charged my account before I was approved. They then tell me they may approve the loan in I took cash out. They just wanted to charge me more and make more money. They will not credit my account. They lied about it to get me to give them my account info. They said I ordered the appraisal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: PHH Mortgage Services Corporation
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I have a mortgage with PHH Mortgage in XXXX, XXXX. Due to a change in circumstances, we got behind on the mortgage and were getting letters in XX/XX/XXXX and XX/XX/XXXX from PHH 's lawyers advising that they were going to foreclose, so we walked away in XXXX XXXX and advised PHH of this expecting the foreclosure to be imminent. In XX/XX/XXXX as no foreclosure had yet taken place, we decided to try to arrange a short sale. I contacted PHH several times to obtain details of the company who were responsible for maintenance of the property on behalf of PHH. I never received any callbacks from the account manager despite numerous calls and emails. I even sent generic emails via the contact form on their website and received replies saying the account manager would contact me, but it is now XX/XX/XXXX and still no contact. As my wife is XXXX and I am relocating to XXXX a short sale is no longer an option. Meanwhile the property is deteriorating, and we are still responsible for paying certain bills until a new owner is found.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-06
Company: PHH Mortgage Services Corporation
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, a series of unfortunate banking events led to my mortgage payment being deducted form my checking account XXXX. The servicer ( PHH Mortgage Services ) was not willing to help recsend a payment and the Bank suggested that my only course of option was to stop payment on XXXX of the duplicates. I did so as my family would not have had enough money to survive. In XXXX, I made a payment to PHH by phone and using this same checking account. The representative assured me that the payment had gone through just fine as usual. In XXXX, I was informed that I was now behind on my mortgage as this payment did not show up. This is when the trouble began. Through various demands for payment and forced " re-payment plans '', I have given PHH almost {$22000.00} in the past year and am still being sent past due notices. I 've now been sent a " right to cure notice '' demanding another {$5000.00} plus before XXXX. Since my normal mortgage payment is around XXXX monthly, a years worth of payments would only be {$15000.00}. I have no idea how I am still behind in my payments and can not seem to get out of this cycle. This has caused a great deal of distress in my family and has caused me to get dangerously behind on other bills ( student loans, car payments ) as well. Most recently, I responded to a late notice by paying the amount asked for ( {$3400.00} ) by the date it was asked for ( XXXX ). PHH took the payment. The payment came out of my bank account. Two weeks later I received a notice that my account had been referred to an attorney for foreclosure. This was an awful thing to read. PHH initially claimed that they had no record of the notice demanding the {$3400.00} and that I had not paid enough so they had returned my payment (? ). After two days of arguing my case, the notice was found and I repaid the {$3400.00} and was taken out of foreclosure. This was a large mistake made on their end and I ca n't help wondering what other large mistakes are being made at PHH Mortgage Services. I 've gotten nowhere in my attempts to talk this through with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: Associated Collectors, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The first collection account was as a result of the billing policy at XXXX. Each visit to a different practitioner was billed to a different account. One of the accounts was overlooked by me and I was not notified of this debt being sent to collection. I believe the error was the result of their improper billing system and lack of notification and I do not believe it should be my responsibility. 
The second account was incurred as the result of an emergency visit to the hospital. I received a substantial bill and had no health insurance. I applied to the hospital and received relief for the entire bill. Upon receiving the Emergency Physician Bill, I sent a copy of the Hospital forgiveness letter in the hope of receiving consideration for my financial hardship. Without notification the bill was submitted for collection. Due to extenuating circumstances I am unable to pay these bills and they are having a negative affect on my credit rating. I wish to have assistance in resolving these matters as soon as possible. I have not received notification about these accounts in many years and feel it was the responsibility of the Collection Agency to keep me apprised of the accounts in question.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-02
Company: Allied International Credit Corp., (US)
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX changed their billing system in XXXX, 2016. Therefore, they were late in getting bills in the mail. When I received mine, I verified the balance and paid it. They turned me ( and everyone else ( who was " late '' ) over to Allied XXXX for collections action. I received a collections letter from Allied, stating I had a {$0.00} balance. They did not do their due diligence when accepting this matter from XXXX XXXX, nor did they before they sent the collections letter out. Also, they lied in their letter saying that they had attempted to contact me about the debt. Since I had no debt, the letter they sent to me is harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: PHH Mortgage Services Corporation
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
PHH purchased our loan in XXXX. Unfortunately, the previous servicer, XXXX, did not tranfer the full escrow balance over due to an error on their end. PHH recalculated our escrow and payment. This shortage was finally rectified at the end of XXXX. PHH received almost {$1600.00} which was supposed to go back into our escrow account per the instructions in the wire transfer and matching all notes and communication I have had with PHH. I have been following up ever since to get the escrow analysis redone, and the payment back to the original payment upon closing XXXX 2015. We are still waiting for our loan escrow to be analyzed again so we do n't have to worry about our automated bank payment that was set up in XXXX. ( At one point, they had XXXX different payment amounts for us. ) We made a payment in XXXX 2015 for the actual amount, already set up at our bank, not the new payment which was {$200.00} higher than our loan agreement. I was assured this would go towards XXXX w/no late charges. 
We have not even had this loan a full year and continue to have issues with sub-standard servicers. PHH reps do not speak English and I can not understand them very well so I use there email service. I also have checked the online account for current info. No one reaches out to me with full summaries of where the escrow money went, when it was posted and when the analysis will be complete. They just send statements, payment bills and respond to emails with short, partial answers that do not even begin to address my inquiry.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-11
Company: FORD MOTOR CREDIT CO.
State: NJ
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
Ford Motor Credit is reporting an account on my credit report that should only be on my business credit report. This lease was for my business and was told it would never hit my personal credit. This is why I put it through the business so that it would n't be on my personal. All of a sudden I look at my credit report and it shows that it is late when this is not true.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: Financial Credit Service, Inc.
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I have recieved multiple calls from ARA Incorporated out of Illinois. They call from XXXX. She reads off my entire social security number then tells me I owe XXXX or Household {$2700.00} from an account that was opened in XXXX and I stopped paying in XXXX. I told her it is not on my credit report and I do not owe that money. She said they have mailed me letters 3 times but I never received them. I asked to to read me my address but she would not and I did not give it to her. Then she asks for my email but I did not give it to her. She then said I owe the debt and since it is passed the Time Barred that she will take me to court and get a judgement on my credit. I do not owe this debt. And if I did from so long ago my ex wife filed bankruptcy Chapter XXXX in XXXX to start fresh. They even told me that under FTC laws they bought the debt legally and can call me anytime to try to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-15
Company: Army and Air Force Exchange Service
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I had a charge off from a XXXX Exchange card. The amount of the debt was XXXX. I was garnished XXXX. I paid XXXX in XXXX and {$250.00} every month. With the garnishment and the payments made of to XXXX, I have paid the amount of {$3300.00}. I spoke to the company to see the status and they stated that I owed an additional {$1000.00}. I asked for a breakdown and they stated that they could not provide it. They stated that I owed {$4000.00} and I was still collecting interest every month. I requested a copy of the original debt and they refused. I asked how much of this debt was paid to the original creditor, I was told {$2900.00} and the rest went to them. I stated that the account should be paid in full. They just continued to argue and tell me if I would pay my bills then I would n't be in this situation. I asked for my payment history and the original debt. I asked them to remove my debit card from the account until further notice. He refused and stated that they will get their money. I do n't owe anymore so I do n't understand. I have paid the balance on the chargeoff of XXXX, I have paid an XXXX in addition to that amount and they are telling me that I owe {$1000.00}

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 2015-12-04
Company: Trident Asset Management, L.L.C.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have attempted to contact Trident Asset management several times with no luck in my desperate attempts to resolve and remove the collection they are wrongfully reporting on my credit report. However, all of my attempts went wasted for the past several months. I have received XXXX communication from the collection company. I have contacted the bureau who stated that collector verified the info and they could not remove it, and that I had to contact the creditor for the deletion letter directly but there is NO communication from this collection company to me! 
they are fraudulently reporting this collection which they have failed to validate and ignored all my attempts to contact them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: FORD MOTOR CREDIT CO.
State: MD
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a new car from the FORD dealership. Since then the car has XXXX recalls and starting to have other malfunctions since then. The Ford dealership stated that they would order a clutch that is needed ; I have not heard anything from Ford. I fail behind on the payment for the last 2 months and they are threatening repossession.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Financial Credit Service, Inc.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
XXXX XXXX with XXXX and associates called my sister, on her personal cell phone asking for me. He told her that I owed a claim and they were trying to reach me before I was served papers by XXXX XXXX. ( I do not live in XXXX XXXX and have n't since XXXX ) He left a claim number XXXX and phone number XXXX. I called the number and asked what the company was and the individual asked for my phone number and I refused. He then said well I need something to pull you up with. I said I would like to know what type of company I 'm dealing with and why you are calling my family members looking for me ( not once did he state they were a debt collection agency attempting to collect a debt at all ). He said they were a acquisitions firm and they deal with over XXXX different areas that he needed a phone number or something to connect me with the correct area. I gave him the claim number XXXX. He confirmed my first and last name, and told me to give him one moment. About XXXX seconds later a second gentleman that did not give his name picked up the line and asked for my phone number. I refused again. He said in order to help me he needs info from me, and I asked him why did n't his last teammate give him that. I 'm not giving any more info than I have already provided. He immediately became extremely forceful and rude in his tone. He said he was XXXX manager, that XXXX was unavailable so he was taking over. I said so why is XXXX calling me. He said because you owe on an XXXX credit card. I said not sir I do not. XXXX was purchased by XXXX XXXX XXXX around XXXX or so and any debt I owed to XXXX was paid back in XXXX by my mother on my behalf. He said no XXXX XXXX XXXX sold the debt, we are trying to contact you to give you the opportunity to pay before we garnish your wages on XXXX XXXX. I said there is no way you can garnish my wages for any debt that number 1 has been paid, and number XXXX that is from well over XXXX years ago. He said oh we can and because you do n't want to work with us we will go ahead and push the garnishment through early. I work XXXX and can lose my job for wage garnishment. This has to be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-12
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly sent out certified letters to Progressive Management Inc asking for validation bearing my signature of debt from this reporting agency and this company will not comply with my requests. This is a violation of the Fair Debt Collection Practices Act. This is affecting my credit score and if I can not get validation bearing my signature of debt please remove from all reporting credit bureaus ( XXXX and XXXX ).

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: Financial Credit Service, Inc.
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I keep getting calls and letters attempting to collect a debt that has been time-barred since XX/XX/XXXX. This has happened several times since XX/XX/XXXX. The latest attempt was XX/XX/XXXX by ARA , Inc. I incurred this debt when I was professionally employed as a software engineer. I lost my last job in that profession XX/XX/XXXX, which is the same month I made the last payment on this account. In the time after this, I was homeless for 3 years and when I was finally able to get work it was 25 % of the income I had XX/XX/XXXX. My computer skill set is now obsolete and I am also now XXXX years old. This debt keeps popping up occasionally and I am tired of telling one collection agency after another that this debt is time-barred. They just sell it to the next one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Professional Debt Mediation, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
PROFESSIONAL DEBT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Professional Debt Mediation , Inc . 
XXXX, FL XXXX Toll Free : ( XXXX ) XXXX Fax : ( XXXX ) XXXX Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify PROFESSIONAL DEBT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : PROFESSIONAL DEBT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation