davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-08-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (VA)

I am appealing to cfpb for assistance in addressing my experience with PHH. I received a letter from PHH about the decision reached on my loan application denying approval because they could not obtain an acceptable appraisal of the subject property. PHH hired the appraising company and is accountable for the professional work product of their contractor. I am requesting that ALL documentation related to my application and the decisions that PHH made on this matter be provided to me with representation that no omission of documents have taken place. This document request is for both PHH created materials in addition to all external documents that PHH used in reaching its decision. I am extremely disappointment with PHH 's performance and the lack of being willing to engage me with a more expansive explanation than what I received when I called XXXX and then reiterated by XXXX 's supervisor XXXX XXXX upon notification that PHH was not approving my mortgage. Clearly the words on the bottom of their correspondence " If at any time you do not feel that I am providing exceptional service, please call or e-mail my supervisor, XXXX XXXX at XXXX XXXX or XXXXXXXXXXXX for assistance '' are simply a corporate feel good slogan and not something that is practiced and certainly not in my case. 
I first engaged PHH through my relationship with XXXX and XXXX remains an exceptional service provider to me. Even though I have been an outstanding customer of PHH since 2003 and financed XXXX homes and refinanced one a second time with PHH through my XXXX relationship, PHH has destroyed a meaningful customer/client engagement because of your handling of this matter. 
In that I immediately engaged another mortgage company for a loan on the same property the day after PHH 's rejection, that company hired an appraisal company, completed a comprehensive review of my application with them and still managed to clear underwriting and go to closing on XXXX XXXX. Same property, same market and economic conditions, same borrower! With this in clear focus I am requesting a FULL refund of all expenses that I paid to PHH because of lack of value in exchange for my money. I did not even receive a copy of the appraisal as stated as an entitlement in your " Additional Information About This Loan '' document. 
I believe that PHH has failed to act within appropriate legal requirements in my case. I am looking forward to CFPB assistance in receiving an expeditious response.
Consumer complaint received 2016-08-19
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: FAIR COLLECTIONS & OUTSOURCING, INC. (GA)

I have contacted Fair Collections & Out many times to dispute this account that they are reporting on my credit file. To date, they have not provided me with proof of this account, nor have they responded to the Fraud Affidavit that I submitted to them. They have deliberately violated the FCRA in not responding to my request and in reporting information that do not belong to me.
Consumer complaint received 2017-07-06
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: DISCOVER BANK (FL)

MY QUESTION IS WHY A COMPANY THAT SUBMITS CREDIT INFORMATION ( AND HAS A RIGHT TO DO THAT ) AND FINDS THE ISSUE WAS RESOLVED DOES NOT HAVE THE ABILITY TO HAVE THAT CORRECTED SO ONES FICA SCORE CAN BE CORRECTED ( AT LEAST BACK TO WHERE IS WAS WHEN THE ORIGINALLY REPORTED THEIR ISSUE?   This makes no sense, being they can not do that could cost a consumer a loan or a higher interest rate because of something that is incorrect.   Not fair, common sense would suggest that is a report is received and proper resolution is found due to a mistake or judgment error ... whatever, they should have the ability to go in and correct th e FICA score and according to Discover, th ey are not allow to do that.
Consumer complaint received 2016-08-19
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Sentry Recovery and Collections, Inc. (NV)

Company continues to violate FDCPA. 

Case number : XXXX Related Case Number : XXXX Please read prior response they submitted to initial complaint. Not only have they not removed this from my credit files, but they continue to confirm this to the credit bureaus. I have confirmed this with XXXX and XXXX as of this date, XXXX/XXXX/2016. 

Company responded : Sentry Recovery and Collections, Inc. said : Explanation of closure Given XXXX claims that the amount assigned for collection was not accurate and the original creditor 's failure to contact Sentry in response to its attempt to investigate XXXX claims, Sentry has closed the debt and returned the account to the original creditor. Sentry will also dismiss the lawsuit that was filed against XXXX XXXX for collection of the debt. Sentry however, remains adamant that there was no FDCPA violation. 

XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, Nevada Case Number XXXX Department XXXX Shows this debt is not mine as the case was dismissed. Employees of Sentry Recovery and Collections continue to pose as a " legal '' department at location XXXX XXXX XXXX XXXX XXXX XXXX in XXXX XXXX, NV XXXX. Employee XXXX, as well as the front desk secretary have used manipulative and threatening tactics stating that the credit files will not be updated until I pay the debt that is proven not to be mine. 

I have proof of contact via phone through billing statements, as well as stopping at the office on XXXX/XXXX/2016 at XXXX XXXX to attempt to get a paper to send to the credit bureaus with the response being that XXXX was " out to lunch '' and then after I said I would wait, that " I need an appointment. ". 

These complaints will be brought forth in response to the illegal activities in the appropriate forum if I do not have proof that this has been removed from my credit file by Monday XXXX/XXXX/2016.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: I.C. System, Inc. (TX)

I became aware in XX/XX/XXXX that this company was reporting on all the credit bureaus a collection in the amount of {$200.00}. Upon inquiry, I was told that the debt related to " unreturned cable equipment '' several years earlier. I contacted XXXX XXXX XXXX - the provider in XX/XX/XXXX and they were unable to provide any documentation for the alleged debt. They agreed to remove it. When they did not, I filed complaints with the individual credit bureaus and XXXX and XXXX  removed the items. However, XXXX did not ( see attached ). In addition to collecting for a debt that is not owed, this is clearly ( see attached ) a duplication of another phony debt attempting to be collected by another low-life collection agency.
Consumer complaint received 2017-06-14
Product: Checking or savings account — Checking account
Issue: Problem with a lender or other company charging your account — Transaction was not authorized
Company: Experian Information Solutions Inc. (MD)

On  XXXX   XXXX ,  2017 , EXPERIAN  (   XXXX   ) charged my account {$29.00} after one-week trial expired based on the prior agreement. I paid for {$ 1.00} to access, but considering how much online technology information is moving at a rapid speed, I did not cancel the account within 7 days but you still have asked AGAIN whether I " still '' want to be charged or not. This is a question of ethic moral, stealing money from people who co nsented to {$1.00} and then did not want to consent to {$29.00}. I want my refund. I had spoken with the manager. The manager still refused because of the agreement online. So I turned to CFPB becaus e I need my money back whenever possible. Thanks.
Consumer complaint received 2017-06-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Prince Parker & Associates (DE)

XXXX , from Prince Parker & Associates called my wife asking for payment in full for an   XXXX   bill of {$1600.00} incurred during the birth of my son on  XXXX / XXXX / 2017 . My wife asked  XXXX  if we could enter into a payment arrangement, to which  XXXX  responded   she could only offer 3 options ; 1, pay in full ; 2, pay half now and small monthly payments after ; 3, not pay and be referred for further collections which include litigation, credit reporting and additional repercussions.
My wife was clearly distraught given this information to which she asked me ( her husband ) to   call  XXXX  and discuss the account.     I called  XXXX  @  (   XXXX   XXXX   XXXX  ext.  XXXX  to ask what had transpired with my wife and to ask clarifying questions.  XXXX  reiterat ed the payment options, emphasized that she was from " Prince, Parker & Associates '', aske d for my wifes phone number and disclosed information about the debt prior to asking me who I was and prior to reading me the mini-miranda disclosure. When I asked  XXXX  what she meant by being referred for further collections meant, she fumbled through her response and ended saying that the account would " leave the attorney 's office '' and " be referred for additional collections with different payment options and credit implications '', at which point I asked her she was giving me false, misleading and threatening information -  XXXX  hung up the phone.
Consumer complaint received 2017-06-14
Product: Debt collection — Other debt
Issue: Communication tactics — Called before 8am or after 9pm
Company: Lending Club Corp (WA)

I have had a loan with Lending Club for almost 2 years. A year ago, our income dropped substantially and paying Lending Club on time each month became difficult. I called  them ( a s I called all our bill compa nies ) and  attempted to see if we could do a modification. My husband and I were trying to avoid bankruptcy, and they were not willing to help at all. We were told we would have to qualify for the new loan, which obviously we would not with our income drop. We were told to keep making our payment as is. I explained then, that we would try to make it each month, but it would most likely be late.   When we moved, it was from the  XXXX  coast to  XXXX . I updated my phone number and address with them. My family and I have been living with our family here and are " homeless '' so we have a  XXXX   XXXX   , an d every time I call I have to explain that to them when they ask me for my personal address. We do n't hav e one .. .   My actual complaint ( aside from them just being a horrible and heartless company ) is their collections practices. They are in EXTREME violation of the Fair Debt Collection Practices Act ( FDCPA ). Their attempt to call me when my loan is past due starts at  XXXX . They will continue to call all day, every hour on the hou r 3-5 times e ach day. That is harassment, plain and simple.   This morning (  XXXX / XXXX / 17  ) when I called to make my payment ( as I do EVERY month ) I notified the gentleman on the phone of the harassment and that I would appreciate him to note that it is against the law to call me before  XXXX . He stumbled over his words and said he would just flag my account cease and desist, as if that would prevent any calls from coming to me. This would be fine if it actually worked. Not eve n 10 minut es after this conversation I received ANOTHER collection call.   I would also like to note, in the past I have blocked the Lending Club number. However, the company must change it every few months as the early morning and frequent calls continue.   We are struggling to make ends meet, and understand the need to collect. However ; harassment is NOT OKAY. I have repeatedly updated my contact info, notified them of where I 'm living, and they continue to call me before  XXXX  ( as early as  XXXX  ) and the calls come in every ho ur 3-5 ti mes a day. They change their number, so blocking them has done  nothing. Complaining to them has done nothing, as they continued to call, and even flagging my account Cease and Desist did nothing as I received a call within 10 minutes of getting off the phone with them. I t 's unacceptable and I know I can not be the only person who is being harassed by Lending Club.
Consumer complaint received 2017-06-14
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: O&L LAW GROUP, P.L. (FL)

I had a judgment from XXXX that was settle for the amount of {$1200.00} and was paid by XXXX XXXX XXXX on X/X/2003. My employer was recently served a writ of garnishment from XXXX XXXX XXXX, on behalf of XXXX XXXX, who is supposedly collecting the debt for XXXX. The total amount they say that I now owe is {$5400.00}. I was never served as notification of this suit. Furthermore, on all documents provided to my employer, they included a case number where the first number was eliminated. I was able to find this out by finding the original filing which I never new existed. As a result, my company 's lawyer has recommended that they start garnishment proceedings. This is a bogus and unlawful debt which I am now trying to fight.
Consumer complaint received 2017-06-14
Product: Payday loan, title loan, or personal loan — Installment loan
Issue: Charged fees or interest you didn't expect — 
Company: World Acceptance Corporation (GA)

I went into  World Finance  in  XXXX  of  XXXX  due to heavy financial need at the time. I gave the representative my information over the phone and she said she would call me back with the amount I was approved for. Abo ut two hours  later she said I was approved for  XXXX . I went into the branch to sign my documents. When we got to the insurance part I asked if this was mandatory and she said YES. I really needed the money at the time so I took the loan with every intention to pay it off early so that I would n't have to pay so much back in interest. Since my first payment in  XXXX  I would spend hours trying to figure out how the interest was calculated and how much I needed to pay each month to pay off the loan early. The numbers NEVER added up. I asked for my payoff each time I made a payment, and the figures they would give me never made sense, so I never paid the loan off early like I planned too. So in  XXXX , I called and spoke to a representative,  XXXX , who could only tell me it is what it is because that 's what I signed up for. I then spoke to another representative,  XXXX , who could not provide me any information either. I spoke to the branch  XXXX   XXXX  once who could not explain how the interest was charged either. I went into the branch  one  afternoon and sat with someone and still she still could not help. I called customer service on  XXXX   XXXX ,  XXXX  and spoke with someone who could help me a bit, but when I asked more questions she let me know she was not qualified and would pass my information to the district manager. Even though my check from the company was made payable in the amount of  XXXX , I was financed for the amount of  XXXX . I was unaware of this, so that 's why I could never figure out what went wrong. Today  XXXX   XXXX ,  XXXX  I went into the branch and sat with  XXXX  face to face. Within our meeting she said the insurance is NOT mandatory and she does n't remember who closed my loan. Not only that, she said the associates I kept speaking with when I had questions could n't help me because they do n't know themselves! When I asked who 's signature it was on my closing document she then remembered who closed the loan, and advised me that the girl is no longer working there. This company has scammed me out of some serious money with their deceptive practices and leading me to believe that insurance is mandatory and not explaining the amount I was approved for versus the amount the check was written for. I am hoping to not make the same mistakes again and only pay back what I owe, and nothing extra.
Consumer complaint received 2017-06-14
Product: Student loan — Private student loan
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: SLM CORPORATION (NY)

On  XX/XX/XXXX I  contacted  Sallie Mae abou t my student loans. I lost my job and was seeking a deferment. I was told by the person I spoke with that I can defer my payments for 3 months at a time. I had to make a {$50.00} payment towards each loan. I was instructed that the payment was going to be made on   XX/XX/XXXX . I wa s also told that I would be deferred  for XX/XX/XXXX ,  XX/XX/XXXX  and  XX/XX/XXXX . W ith option to continue deferme nt by  XX/XX/XXXX  or m ake my payment.   On   XX/XX/XXXX  m y co-signer received a letter stating I was behind on my payments. My co-signer contacted  Sallie Mae a nd the person he spoke with insisted there was no arrangement made with them to defer my payments. He insisted that she double check. She came back on the line and said yes there is a plan setup for deferment, however it does n't start until the good faith payment is made o n  XX/XX/XXXX .    My co-signer asked to speak with a supervisor. The supervisor said that nothing could be done and if the payment was not made for the delinquent account that it will be reported to the credit bureau and effect his credit. Now they  had him pay for XX/XX/XXXX  and XX/XX/XXXX  payme nts totaling {$710.00}.   The information tha t Sallie Mae provi des their clients with is false or they do not know what they are talking about.   On top of that bac k in  XX/XX/XXXX , th ey showed my payment on  XXXX  account to be 60 days late. My co-signer ' s credit score  plummeted from  XXXX  to  XXXX . However I had automatic payments setup for both accounts, but  the one account w as never deducted from my bank account.   The way  Sallie Mae do es business is terrible. The employees do not know what information they are giving to people, they also use bullying tactics to get money from the person that took out the loan.   They will call and leave no message, then call your co-signer before you have a chance to call them back.
Consumer complaint received 2016-08-16
Product: Mortgage — FHA mortgage
Issue: Application, originator, mortgage broker — 
Company: WELLS FARGO & COMPANY (DC)

My mortgage was refinanced in XXXX XXXX with Wells Fargo Home Mortgage. At that time I had over XXXX % equity in my home ( as confirmed by my mortgage consultant ), yet I 've been paying Private Mortgage Insurance for the last 10 months at a rate of {$110.00}. 

After the paperwork was signed, the consultant stated he could easily move me to a conventional loan without having to go through the entire refinance process again ( i.e. no new appraisal, pulling credit history, etc. ). I decided to talk with another lender about this situation. Their comment was, " your lender should 've either given you the option of a conventional loan at the time of refinance or removed PMI since your appraisal verified at least XXXX % equity in the home. In addition, it is unethical for the lender to ask you to refinance again, due to their error, when you asked about removing the PMI. '' Based on the Homeowners Protection Act of XX/XX/XXXX, for mortgages signed on or after XXXX XXXX, XXXX, the mortgage servicer is REQUIRED to automatically terminate PMI once the homeowner reaches 78 % LTV, or gains XXXX % equity in their home, based on the original property value. If this is true, what can I do to recover the financial damages I have incurred?
Consumer complaint received 2018-04-27
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Getting a credit card — Sent card you never applied for
Company: WELLS FARGO & COMPANY (KY)

I opened what I thought was a XXXX 's store only credit card. Wells Fargo instead issued a XXXX 's XXXX XXXX card issued and administered by XXXX XXXX XXXX XXXX. In talking to them they said they gave me an upgrade to the XXXX XXXX card because of my excellent credit history. I never wanted or agreed to this type of card. I wanted and thought I was getting a XXXX 's only credit card, not a card that could be used at 3rd parties. My exgirlfriend unbeknown to me used the card to make electronic 3rd party purchases. She changed the billing to her email account with out my knowledge. I got a letter dated XX/XX/XXXX addressed to my mailing address, after I complained to Wells Fargo, saying they had reviewed my complaint for fraudulent transactions, and based on their research, I owed {$800.00} for purchases made at XXXX 's XXXX XXXX XXXX   location in XXXX XXXX, MO. I paid the amount in full and got confirmation # XXXX. On XX/XX/XXXX I got a letter saying they were issuing me a new XXXX 's XXXX XXXX card, I told they I didn't want it to close my account, at that time I thought this matter was over and done with. I sent them a completed and signed Declaration of Fraud and Forgery. OnXX/XX/XXXX I got another form letter with no documentation saying I now owed {$2300.00} I called and they said they would look in to the matter. On XX/XX/XXXX again with no documentation I got another form letter stating I now owed {$6900.00}. I called Wells Fargo again and they said they would look into the matter and get back to me byXX/XX/XXXX.  Totally frustrated by Wells Fargo I am seeking your help. See attached documentation
Consumer complaint received 2024-10-12
Product: Credit reporting or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: ENCORE CAPITAL GROUP INC. (MN)

The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15USC 1681. Account # MidLand open XX/XX/ for {$240.00}. Account # XXXX XXXX XXXX XXXX. Open 8 months. XXXX. Account # XXXX XXXX XXXX XXXX open for {$720.00}. Has violated my rights. I looked at my XXXX Credit report on XX/XX/XXXX XXXX And noticed some things are incomplete and not accurate. And according to the Fair Credit Reporting Act whenever a consumer reporting agency prepares a consumer report it shall follow reasonable procedures to assure maximum possible accuracy of the information concerning the individual about whom the report relates according to 15 USC 1681 ( e ) ( b ). And according to 15USC 1681 5 they are supposed to do this ( 5 ) Treatment of inaccurate or unverifiable information. ( A ) In generally, after any reinvestigation under paragraph ( 1 ) of any information disputed by a consumer, an item of the information is found to be inaccurate or incomplete or can not be verified, the consumer reporting agency shall- ( I ) promptly delete that item of information from the file of the consumer, based on the results of the reinvestigation; and ( ii ) promptly notify the furnisher of that information that the information has been modified or deleted from the file of the consumer. And according to 15 USC 1681s - 2 they are suppose to not furnisher any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate. Thank you