davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-02-11
Product: Debt collection — Credit card
Issue: False statements or representation — Impersonated an attorney or official
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CT)

In XXXX the account was opened and the original creditor was XXXX bank. In XXXX XXXX the account was sent into collections. The collections agency is Portfolio Recovery Associates LLC. I was in school at the time and unable to keep up with the payments. However, I am trying to clean up my credit score and when I called them to make a payment arrangement they told me they have now hired the law office of XXXX XXXX XXXX to sure me. They went into my bank account twice and took over {$1000.00} each time however the money was exempt because of wages so the court granted the money back twice. I have called them about XXXX times in the last year to try and make a payment arrangement and they always tell me they ca n't that its out of their hands and to call the law office of XXXX XXXX XXXX but when I call them they say the same thing or ask me to pay in full. Also I want to make sure the information is accurate in regards to the statute of limitations. I was young at the time but I am older now trying to fit these issues and this one seems to be the most difficult. On my credit report it shows that Portfolio Recovery Associates is the collections agency so I do n't understand why they can ; t just make a payment arrangement with me or settle. There is nothing on my credit reports about " the law offices of XXXX XXXX XXXX '' and I find nothing but bad reviews on both of them. I just want a clean slate and to end this nightmare. They continue to threaten me overtime I call telling me that if I do n't pay in full they 'll be coming after me for everything in the years to come.
Consumer complaint received 2016-01-27
Product: Debt collection — Medical
Issue: Communication tactics — Used obscene/profane/abusive language
Company: Franklin Collection Service, Inc. (MS)

I called to make payment arrangements on bills that I owe. I spoke with XXXX who states he was a supervisor. I explained to him my financial situation and offered what I could do. He got very ugly and asked why I didnt go get a loan to pay off my medical bills or get a credit card. He asked personal questions that did not relate to the medical bills we were discussing and even brought up that I needed to file my taxes by XXXX XXXX so that I could pay him. I explained some of the things I was having to pay and he told me that paying for a vehicle was not more important than paying his company. I asked to speak with someone else and he would not allow me to. I feel like he was going far beyond what the call was about into my personal business and handled the situation completely wrong. Even after attempting to make payments he said that they were still going to try to garnish my wages and he would get 25 % of my income.
Consumer complaint received 2015-05-27
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (CA)

XXXX15RE ; BSI FINANCIAL - LOAN # XXXXPlease help me BSI financial has been giving me misleading information regarding the HAFA Short Sale request over 3 weeks ago, now they are refusing to take my calls and they have a placed a foreclosure sale date without any notification for XX/XX/2015. 

I have provided every single document requested by them and now they are refusing to take my call. Please help me since I have done everything to avoid foreclosure and it is not fair that they are doing this to me and my family. 

Please help meXXXX XXXX
Consumer complaint received 2015-05-29
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: ERC (TX)

ENHANCED RECOVERY PUT A COLLECTION ON MY CREDIT THAT I DO N'T OWE. THEY NEVER SENT ME A NOTICE STATING THAT THEY ARE PUTTING ANYTHING ON MY CREDIT. I CONTACTED AT T AND THEY CONFIRMED THAT I DO N'T OWE THEM FOR THE ERRONEOUS ACCOUNT. I DISPUTED THE ACCOUNT AND THEY CONTINUE TO REPORT IT ON MY CREDIT
Consumer complaint received 2015-12-17
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: PORTFOLIO RECOVERY ASSOCIATES INC (WA)

On XXXX XXXX, 2015, I received a phone call - purportedly from Portfolio Recovery Associates ( PRA ) - telling me that my wife owed them {$650.00}. I denied that assertion. The caller asked for the last XXXX digits of my wife 's social security number. Having no evidence about who was calling, I refused, and I asked that the claim be mailed to me. The reply was that the claim had already been mailed to me. I denied that. At some point during the conversation, I asked where the claim had been mailed, and the PRA rep gave me an address that was not ours. 

The PRA rep refused to agree to mail me the claim, and declared she was marking this claim as disputed. She said I had to respond to their Disputes Department within a certain time period ( I do n't remember how long ). I asked to speak with someone in the Disputes Department. After a considerable delay, I was able to speak with a Disputes Department rep, who said I had to email or mail my dispute about the claim before they would give me any more information about it. She gave me an address and an email address. This entire conversation, or rather confrontation, wasted more than XXXX minutes of my time. I do not see why I should have to respond in writing to a verbal charge by an unknown accuser, attacking with an unknown accusation. 

The same day, XXXX XXXX, I emailed and mailed my response which I will attach to this complaint ( although the left upper corner reads XXXX/XXXX/2015, that is the date of my re-printing of the email, which was sent XXXX XXXX ). 

Yesterday I received a letter from PRA ( also attached hereto ) dated XXXX XXXX, showing a debt owed by XXXX XXXX XXXX, with a social security number ending in XXXX. My wife 's name is XXXX XXXX XXXX, and there is no " XXXX '' whatsoever in her name. There never has been. Her social security number does not end in XXXX. 

From the beginning, PRA was attempting to collect a debt from us when they knew our address did not match the one they had. And they initially refused to give me any information about the debt or the debtor until I took the action of disputing the claim. 

Once I did take that action ( giving them our address, which they did not have until they received my disputation letter ), and they knew for a fact that the name of the debtor did not match my wife 's name, they continued to try to collect the debt. 

This is not a case of identity theft. It is a case of wanton disregard of identity FACTS by PRA. 

I am responding to PRA 's letter with the attached letter, but because I am not providing them with answers to many intrusive identity questions to which they have no right to an answer, I fear they will continue to hound my wife and me.
Consumer complaint received 2015-12-15
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Seized/Attempted to seize property
Company: PORTFOLIO RECOVERY ASSOCIATES INC (CA)

The alleged debt that Portfolio Recovery Associates listed on my credit report as a collections account falls under the Settlement between Portfolio Recovery Associates and the Consumer Financial Protection Bureau from XXXX XXXX, 2015. Per the settlement Portfolio Recovery Associates engaged in a pattern of " Without verifying the debts, the companies collected payments by pressuring consumers with false statements. '' This settlement applies to my circumstances because Portfolio Recovery Associates solicited payment on the debt with false statements from their representatives. In addition, Portfolio Recovery Associates, added a collections account to my credit report AFTER complaining to Consumer Financial Protection Bureau regarding their deceptive debt collection practices. In retaliation, Portfolio Recovery Associates added a collections account to my credit report without verifying the account. In addition, I was explicitly told that a lawsuit was pending if I did n't pay the debt immediately which was a lie. Furthermore, Portfolio Recovery Associates misled me by consenting to receive auto-dialed cell phone calls.
Consumer complaint received 2015-12-16
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: Santander Consumer USA Holdings Inc. (IN)

XXXX XXXX, 2015 around XXXX ET someone rings the door bell. My wife, XXXX XXXX, turns on the porch light and asked our son ( who is XXXX years old ) to put the dogs up ( we have XXXX XXXX pound XXXX and a XXXX XXXX. We live on XXXX acres in the county and rely upon them to secure our home and property. A " Beware of Dog '' sign is prominently displayed visible from the street along with a " No Trespassing '' sign. People know to call us before they come to our home so the dogs can be put up ). After the dogs were put up, my wife walked to the door and opened the door, keeping the full-length glass storm door closed and locked. She asked the young lady that was on the porch, how can she help her and who on she was. She stated that she was from " the bank '' and was here to on pick up " the van. '' My wife told her that we did not have a van. The young lady, without producing a business card, any paperwork identifying her firm, said that they know the vehicle is in the garage because " they saw it '' ( to see inside the garage you must go around onto our back deck to look into the back of the garage. My wife, who is not on the loan, asked her did she call me as I had instructed Santander because I was not home ( When I called Santander early yesterday I agreed to surrender the vehicle but someone must call my cell first because as a XXXX I am called out and we have the dogs that must first be out away ). She replied that " he was aware that they were coming to pick up the vehicle tonight. '' This was a lie. My wife again asked her, did you call him, she replied that he had spoken to her boss earlier and she was there present when he ( I ) had spoken to the bank. '' At this time, my wife notices a young man peek around the corner toward the front door. My wife explained to her that she needed to call me and I could take care of this since it was in my name and I had called to make arrangements earlier to turn over the vehicle. The young lady then stated to my wife, because " You are unwilling to turn over the vehicle, that is considered theft and charges will be filed tomorrow. '' My wife and son are both willing to provide sworn affidavits to support what they heard last night.
Consumer complaint received 2016-01-05
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Nationwide Biweekly Administration, Inc. (ID)

Shortly after purchasing my home I received a call from the National Bi Weekly Loan Association. They explained to me that they worked with my home loan company to break my payments up if I chose to do so. Not knowing that I was going to be charged for this service I agreed to break my payment up in hopes of paying my loan off faster like they had explained I would. The representative never once told me of any fees whatsoever. He worded things so that I thought they worked directly with Idaho Housing And Finance. I tried contacting the company in XXXX when my payment did n't go thru but never could get ahold of any representatives. The automated system just told me that they were experiencing high call volumes and to try back later. I did some XXXX searching to try and figure out what was going on and that 's when I came across reviews from people and realized I had been getting charged for this bi-weekly setup. I still have not been able to get ahold of this company to figure out how much I have been charged over the 4+ years that I made payments through them. Not only did they use sneaky habits to confuse me and fail to tell me about any fees, but they failed to hold up their end of the deal by helping me pay my loan down faster. I 'm under the impression that they have cost me much much more than I have saved.
Consumer complaint received 2016-01-05
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: Atlantic Recovery Solutions LLC (NY)

I received a message on my answering machine this morning. I have no idea who the caller or her company is, or what she is calling about. In the message, which came from XXXX, the woman identified herself as XXXX from Atlantic Recovery Solutions. She claimed that she " received the documents for ( me ) to sign '' and that I should return her call as soon as possible, or else I would need to call a lawyer. Even more strange and disturbing to me is that I just heard from my XXXX mother, who lives several XXXX miles away, saying that SHE received a message. In my mother 's words, " There was a message left by a XXXX XXXX Atlantic Recovery Solutions for [ my name ] and a request to call her at XXXX XXXX XXXX. ''
Consumer complaint received 2016-02-11
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Ability Recovery Services, LLC (PA)

XXXX XXXX XXXX of XXXX submitted a debt to collections that was paid by my insurance company. I spoke to my health insurance company and confirmed check # XXXX was sent to XXXX XXXX XXXX on XXXX/XXXX/15 and cashed on XXXX/XXXX/15. I spoke a representative name XXXX with Ability Recovery Services in XXXX and explained the situation. She stated there is nothing she can do that XXXX XXXX XXXX has to close out the account. I spent two weeks attempting to reach a representative with XXXX and each time I called I received a voicemail with a recording stating the mailbox is full. I called back to Ability Recovery Service and spoke with XXXX who stated there is nothing she can do and that the account has to be closed by Advance Urgent Care. I advised her that is unacceptable and that she needed to do something about this. I told her that this is account is reporting on my credit and therefore affecting me in obtaining licensing needed for work. She said she " does not need to do anything '' and that she is " getting paid either way ''. I asked for her manager and she said " no '' she would only transfer me to the voicemail. I told her I will hold to speak with a manager. She said " that is not how it works '' and blind transferred me to the voicemail of XXXX XXXX. I left a voicemail message for XXXX XXXX the " manager '' and have not received a response at all.
Consumer complaint received 2015-04-17
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Ditech Financial LLC (NJ)

my loan is with Green Tree servicing fell behind by a mth on my mortgage they are holding payments in suspense and will not apply them I also made a XXXX XXXX payment a year ago the amount was given to me by my then account manager XXXX was her name I need proof that that was applied also I have asked for a loan modification package that the hope hot line told me to ask for I have left messages with my new account manager XXXX also requesting this modification package and she will not return my calls I pay my loan every mth and have proof of it they are trying to say I owe them over XXXX dollars this is not true as I have proof of payments
Consumer complaint received 2015-09-15
Product: Bank account or service — Other bank product/service
Issue: Deposits and withdrawals — 
Company: Paypal Holdings, Inc (MI)

Paypal closed my Paypal account XXXXXXXXXXXX on XXXX/XXXX/15 without any valid reason. There is more than {$10000.00} in my account. 
Paypal refused to return my money and grab the money for 6 months without any reasonable ground. I can not access my own all legitimate money, which causes enormous financial loss while Paypal profit from using my money interest free. 
Paypal 's act of grabbing customer 's money at will is rogue and illegal, which violates consumer 's property right protected by the constitution.
Consumer complaint received 2015-12-18
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: JPMORGAN CHASE & CO. (NY)

I bank with Chase bank. I deposited a check, Chase claimed the check came back NSF, therefore did not credit me the funds and charged me a return check fee. The check was given to me by a family member so I validated whether this was accurate or not, upon speaking to my family member I was told she was sure the funds were there before the check was written and were still there at this point. I told her to call her bank, she did and informed me her bank said they never received the check. I called Chase and the agent kept claiming that per their records the check was NSF and returned, it is worth noting the agent had a bad attitude and was rude. I wound up 3 way calling the bank ( XXXX, so technically not a bank ) and had the agent at XXXX XXXX inform the agent from Chase that they never received the check. The agent from Chase apologized and reversed the returned check fee. While this is an appropriate reaction, I want to know why I deposited a check, Chase bank did not present the check to the maker 's bank and then claimed they did and it came back NSF, when had they presented the check it would have cleared because the funds where there ( I even saw this evidenced ). As an XXXX I can say this is a very serious operational failure.
Consumer complaint received 2015-11-06
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (FL)

On XXXX/XXXX/2015 I submitted my mortgage payment to PHH mortgage electronically through the bank. The money, payment can be seen as received on my activity statement on PHH website, on my account although the money was put in a suspense account for some reason. I have called PHH mortgage and emailed twice to see why the money, has not been applied anywhere not to escrow nor principle. In addition, the balance in suspense account says XXXX balance. so If I click on my payment to see where it went it says suspense account. But then on the main page, listed nortgage owed etc. it says zero in suspense account. It is now XXXX XXXX and the money has not bee applied anywhwere and my tax bill came in which was due at the end of XXXX. Since the money is in suspense, there were insufficient funds in escrow and PHH has funds owed to my account because my payment was put in suspense. I am very unclear as to why their is such a delay in applying my payment which I made on XXXX/XXXX/2015 electronically has not been applied to anything, not principle or escrow as of today XXXX. I have called and the lady said it will take ten business days to fix this and I have sent XXXX emails. Every month I submit my mortgage payment the month prior to it being due almost consistently two weeks prior. why is the money not applied to principle and seems to be not accurately documented as where it is XXXX statement says XXXX balance in suspense and if you check to see where the payment went it indicates it all went into a suspense account.
Consumer complaint received 2015-12-15
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: WELLS FARGO & COMPANY (GA)

About 4 or 5 years ago I had to bankrupt due to lots of medical bills for my son. AT that time I got an attorney and it was really pretty simple. About 6 months ago I was looking into refinancing since my finance charge had gone up due to the bankrupt agreements. I could not seem to get anyone to talk to me about refinancing. To make a long story short my loan was never reaffirmed. I had no idea what that meant until now and I do not know how that happened. For this reason I went back to my attorney and he had to reopen my case. I have since foundout that my perfect payment record is not being shown on any credit beaureau. In other words it is like i do not even own my house. The attorney said they could not do that so now I am find out that apparently they can. My complaint is this. I was not told by anyone about this. They reaffirmed my car but nothing was said about the house. Now the mortgage company says it is my attorneys fault and my attorney says it is thiers. All I know is I am paying on my house and have my credit back in good standing. I am XXXX years old and plan on staying in this house. I am still working because I can not afford to stop working. I need some help to find out what I can do. I think I am being thrown from one person to another saying it was each others fault and here I am still with no house. No credit showing and can not refinance to get my percentage rate down to an affordable monthly payment. Please let me know what I can do. I feel like I have been given the run around by everyone. I have paid out lots of dollars to try to get this corrected and now it looks like I am losing that as well. Please give me an idea as to my next step to fix this. Sincerely and I am not sure what they have done I went from fixed to I believe they call an arm now
Consumer complaint received 2016-01-05
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

XXXX XXXX XXXX sold our home loan to someone else. When we went for a meeting with XXXX ; they did not inform us that our mortgage had been sold. The company handling the loan ; Select Portfolio has now been threatening us with foreclose after their representative told us not to pay during the re-fi procedure.. We did n't. 
Now ; I am receiving foreclosure notices. My XXXX XXXX XXXX mother moved in last year after breaking her hip. This is unacceptable to me. The house is falling apart. We have no where to move. Our business is now located in our house. Wish I could call it a home. However ; the people at XXXX are not only deceptive. They are n't helpful in the least.We do n't know what to do at this point.
Consumer complaint received 2015-12-16
Product: Debt collection — Credit card
Issue: Taking/threatening an illegal action — Threatened to sue on too old debt
Company: Financial Credit Service, Inc. (LA)

A representative from the Asset Recovery Associates called me and claimed to be representing a bank XXXX XXXX Bank XXXX to collect a debt that they said I still owed. They threatened me with a lien and to ruin my credit by having it cutoff. This debt was discharged in my bankruptcy in XXXX of 1992. I have been careful to keep all my accounts paid and in good standing since then. I do not owe this debt but ARA scared me so that I agreed to pay. I have since learned that it is illegal to go after a debt that has been discharged. I stopped the payment from my credit card but ARA continues to try to call me to collect. This debt must have been purchased from the bank because ARA had my complete list of prior addresses, social security number, and present list of credit card accounts and numbers. This company is engaging in illegal business practices.