davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2016-12-19
Product: Mortgage — Conventional fixed mortgage
Issue: Credit decision / Underwriting — 
Company: PHH Mortgage Services Corporation (CA)

Last year, my husband and I tried to refinance our first mortgage, which is held by PHH. Because PHH refused to rate our loan and report our payments to the credit bureaus and because they lied and said we had 30-day-lates everymonth for six years, FHA could not and would not refinance us. At this time last year we submitted a complaint with CFPB. PHH admitted not wrong doing. I was so demoralized and angry that, unfortunately, I did n't realize that I could dispute PHH 's response and let the complaint die. Now, a year later, we are trying to refi again, and guess what? PHH still has n't reported any of our payments as we requested they do so. And again, FHA wo n't refinance our current loan with PHH. Because PHH was n't listed with the credit bureaus, our application goes to a secondary set of requirements for a FHA loan, which include a higher credit score and a longer history of no lates. This is a circle of disaster. Because PHH has n't reported, our credit scores stay low and PHH still shows us as late from month XXXX on. It 's a no win situation. We are working with XXXX again and tried a million ways to talk to FHA to explain the unusual circumstances, but there is no way to submit an exception. Now, XXXX has found a lender that will refi our first mortgage with PHHm but not both the first and second. AND, the interest rate for the new loan is % XXXX when the FHA loan is for % XXXX. AND we ca n't include the second. I 've called PHH several times, and again we get the runaround and no one will speak to us regarding the reporting of our info to credit bureaus. Desperate, I 've been calling all my Federal reps and agencies. It looks as though XXXX may initiate a XXXX investigation and that would be great, however, all if this so darn slow and it does n't help our re-finance possibilities today. A non-profit suggested I file a second complaint to update the CFPB that PHH continues to engage in illegal and fraudulent activities. Can CFPB please look into how PHH remains in operation? And what are my rights as a consumer regarding recourse when a financial product company acts this way? Because I hate PHH so much and dealing with them has made us physically and mentally ill, I will go forward with the possible new loan for the first, but we continue to lose money and pay outrageous amounts in interest.
Consumer complaint received 2016-07-12
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: ENCORE CAPITAL GROUP INC. (CA)

In XXXX XXXX I learned that Midland Credit Management , Inc. ( aka Midland Funding ) ( " Midland '' ) was reporting to the XXXX credit bureaus a collection account allegedly originally with XXXX ( XXXX account ). Although I disputed ( and still dispute ) the validity of the debt, I was beginning the process of refinancing my mortgage, which had a balloon payment coming due, and I contacted Midland to pay the debt in order to no longer have an upaid collection showing on my credit report. After I paid the debt, I continued, however, to request verification of the debt from Midland, including requesting proof that the debt was ever mine and the date of first delinquency. At the time, Midland was reporting the date of first delinquency to be XXXX XXXX. Midland 's responses, to the extent they can be characterized as a 'response ' at all, has been to state that their records are accurate and they will continue to report as they are doing. They refuse to provide either proof that the debt was ever mine or the date of first delinquency. Midland currently reports the date of first delinquency as XXXX XXXX, which is when I paid Midland so that an unpaid collection would not be shown on my credit reports. This has only made matters worse, as Midland is now reporting a much more recent delinquency as compared to XXXX XXXX, which they originally were reporting. It seems it would be a simple matter for Midland to provide me an account statement showing the account in my name and indicating delinquency. They refuse to provide this information, continuing to hide behind their false statements that their accounts are accurate and they need not prove it.
Consumer complaint received 2016-05-12
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: TRANSWORLD SYSTEMS INC (NJ)

I continue to receive phone calls & emails from a Debt Collector for for more than 8 months for a debt that I do not owe. 

I have asked all parties ( XXXX & Transworld Systems ) to stop this illegal harassment considering I do not owe any money to XXXX.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Professional Receivables Network (MA)

I have received a mail letter from Sage Capital Recovery , LLC Company trying to collect a debt that is owed to XXXX XXXX XXXX 
I do not have any account with this company, I do not know anything and have no information about this debt.
Consumer complaint received 2016-06-17
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Not given enough info to verify debt
Company: HSBC NORTH AMERICA HOLDINGS INC. (CA)

XXXX sued me back on XXXX XXXX, 2014. I had requested validation from them but never received it as requested. I went to court and represented myself and I had requested validation even then but the lawyers did not produce anything to prove it, they still won a judgement against me. When I had requested proof from XXXX what a did receive was a letter and copies of statements but no contract with my signature. XXXX now has a Lien on our home and emptied out a small bank account. My right to validation under the Consumer Rights Act has been severely violated.
Consumer complaint received 2015-09-24
Product: Bank account or service — Other bank product/service
Issue: Making/receiving payments, sending money — 
Company: CITIBANK, N.A. (CA)

I have a credit card with Citi bank and sometimes like to go and pay the credit card bill with cash in person at a local branch in XXXX, CA. I have been informed by the branch that since I do not have a checking/savings account with Citi bank I have to provide my drivers license, social security number and my job description. I was shocked that they told me they can not take a cash payment without all my personal information. I told them they have all that information when the credit card application was filled out in 1996 ( when I first applied for the card ). They said this was a federal law requiring all this information. I bank with other banks and have not had a problem with cash transactions.
Consumer complaint received 2024-10-17
Product: Debt collection — I do not know
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Self Financial Inc. (VA)

This debt collector has engaged in practices that violate the Fair Debt Collection Practices Act ( FDCPA ). They have reported an account that I did not consent to, and there is no signed agreement from me authorizing it. A valid legal contract requires the signatures of both parties, and I was not involved in such an agreement. Furthermore, they failed to adhere to the proper XXXX validation process as mandated by the FDCPA. These actions clearly infringe upon my rights under the law, and I am entitled to compensation for these violations. I demand the immediate removal of this accountfrommyrecord.
Consumer complaint received 2015-09-28
Product: Debt collection — I do not know
Issue: Communication tactics — Threatened to take legal action
Company: FINANCIAL ASSET MANAGEMENT SYSTEMS INC (FL)

Financial Asset Management Systems Inc. representative contacted me to collect a debt. However, the representative refused to give me any information on the debt unless I provided my full social security number. I told representative that I will not provide my social security number ; that I will only provide my name and address. The representative insisted that I provide my social security number otherwise she will not provide any information about the debt. I told her that I will not jeopardize giving you my social security number for her and the company she is representing to use in any type of security breach that can devastate my identity. She insisted that I give my social security number or else I do not receive the information about a debt collection and threatened to take legal action against me for not providing my social security number to her. 

I find this very troubling as this company has attempted to extort my social security number and attempting to collect a debt and are unable to provide any information about this debt and then use threatening tactics. 

Unacceptable!!!!
Consumer complaint received 2024-10-17
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Aldous & Associates, PLLC (FL)

To Whom It May Concern : Be advised this is not a refusal to pay, but a notice that your claim is disputed and validation is requested. Under the Fair Debt collection Practices Act ( FDCPA ), I have the right to request validation of the debt you say I owe you. I am requesting proof that I am indeed the party you are asking to pay this debt, and there is some contractual obligation that is binding on me to pay this debt.

This is NOT a request for verification or proof of my mailing address, but a request for VALIDATION made pursuant to 15 USC 1692g Sec. 809 ( b ) of the FDCPA. I respectfully request that your offices provide me with competent evidence that I have any legal obligation to pay you.

At this time I will also inform you that if your offices have or continue to report invalidated information to any of the three major credit bureaus ( XXXX, XXXX, XXXX XXXX ), this action might constitute fraud under both federal and state laws. Due to this fact, if any negative mark is found or continues to report on any of my credit reports by your company or the company you represent, I will not hesitate in bringing legal action against you and your client for the following : Violation of the Fair Debt Collection Practices Act and Defamation of Character. 
I am sure your legal staff will agree that non-compliance with this request could put your company in serious legal trouble with the FTC and other state or federal agencies. 
If your offices are able to provide the proper documentation as requested in the following declaration, I will require 30 days to investigate this information and during such time all collection activity must cease and desist. Also, during this validation period, if any action is taken which could be considered detrimental to any of my credit reports, I will consult with legal counsel for suit. This includes any listing of any information to a credit-reporting repository that could be inaccurate or invalidated. If your offices fail to respond to this validation request within 30 days from the date of your receipt, all references to this account must be deleted and completely removed from my credit file and a copy of such deletion request shall be sent to me immediately. 
It would be advisable that you and your client
Consumer complaint received 2015-04-13
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

I issued a Qualified Written Request to my servicer in XXXX. Shortly thereafter the servicer requested an extra 15 days to respond. Servicer still has not responded and has gone well beyond the 15 days requested. In addition, when I requested a mortgage assistance package I was told by a representative of the servicer that I would not be allowed to apply for assistance. Instead of responding to the Qualified Written Request or allowing me to apply for mortgage assistance, the servicer has scheduled a foreclosure sale. This is the preferred method of offering assistance with my servicer - Select Portfolio Servicing.
Consumer complaint received 2024-10-17
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Received bad information about your loan
Company: Navient Solutions, LLC. (CT)

I am writing to formally request the discharge of all student loans held by Navient due to the companys deceptive practices, misrepresentation, and failure to provide proper guidance regarding my loan repayment options. 

Navient misled me by steering me away from income-driven repayment plans, which would have made my payments more affordable and eligible for eventual forgiveness. Instead, I was repeatedly encouraged to enter forbearance or deferment, causing my loan balance to increase substantially due to capitalized interest. As a result, my loan balance has now grown far beyond the original amount borrowed, further compounding the financial strain. 

Additionally, Navient has misreported my payment status to credit agencies, damaging my credit score. Their representatives have provided misleading information, denying my requests for information on public service loan forgiveness programs that I may have been eligible for. This has delayed my ability to pursue more favorable repayment options and contributed to the overwhelming amount of accrued debt. 

These deceptive practices are consistent with the widespread fraudulent behavior for which Navient has faced legal action from multiple states and the Consumer Financial Protection Bureau ( CFPB ). The companys actions have caused me significant financial harm, mental distress, and an unjust long-term burden. 

Given the impact of Navients misconduct, I am requesting a full discharge of all related student loans. As a borrower who relied on Navients guidance in good faith, I believe I am entitled to relief from this unjust financial situation. I ask that my loans be fully forgiven due to the unlawful practices I have endured. 

Thank you for your consideration. 

XXXX XXXX XXXX ( XXXX XXXX
Consumer complaint received 2016-09-26
Product: Bank account or service — Checking account
Issue: Deposits and withdrawals — 
Company: BB&T CORPORATION (FL)

BB & T 's fraud company called me in XXXX regarding a series of attempts by a vendor to submit charges against my checking account. The dollar amounts were random. Once contacted by the fraud dept. I informed them that the charges were not authorized and I closed the debit card to prevent further access. A complaint was filed with the fraud investigation dept. within 24 hours. 

Later in XXXX, I 'm sitting in my branch handling business and was told that my checking account was overdrawn by {$600.00}, I was shocked because, as a banker myself, I manage money well. I called the corporate office to inquire and was told that the fraud investigation did not rule in my favor because the vendor provided a contract for charges that BB & T says justified them releasing funds that were not on deposit. This is the same vendor who tried to process numerous charges unsuccessfully. 
Come to find out that my husband canceled the event in sufficient time based on said contract. BB & T did not have this information as part of their investigation. 
BB & T refused to allow the account to be closed until the {$600.00} overdraft was paid. They assessed a {$21.00} fee. 
Last week ( XXXX/XXXX/2016 ) my husband tried to retrieve money from another checking account at the same bank. The account was frozen. BB & T used it to offset the {$600.00} deficit in the other account. Thus, my husband could not access his payroll in order to provide for his family, pay his mortgage, and cover transportation costs to and from his job. 
My issue here is that BB & T is accountable for the {$600.00} that they allowed to clear an account that had less than a {$100.00} deposit balance. Further, the {$600.00} charge was unauthorized by the consumer and BB & T was aware of it. Rather than admit their mistake ( and let the consumer and the vendor work out contract disputes ), they chose the low hanging fruit and stiffed the consumer by taking money from an unrelated account with them. If their policy stands, then it makes no sense that my husband can not cash his payroll check at his BB & T branch unless there are sufficient funds on deposit to cover it. In fact, BB & T 's branch manager told my husband that the bank 's policy, if it were properly followed, would have prevented a {$600.00} transaction to clear if the account balance was not sufficient to cover it. The transaction should have been disallowed and the customer charged a {$35.00} overdraft fee. There were no other charges that did not clear other than the {$600.00} that BB & T approved. 
These tactics have caused my husband and I financial harm since he was not prepared to lose an entire week 's pay but had no choice. The bank got their money at our expense. 
My request is that BB & T be held accountable for allowing an unauthorized charge to overdraw our account and to return the {$600.00} to the consumer. We are a two-income household and I have been looking for work since XXXX. Every dime counts to keep this household afloat.
Consumer complaint received 2016-12-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: McCarthy, Burgess & Wolff, Inc. (MD)

XXXX referred an alleged debt to a collection agency and the debt was not discharged in their favor. The have subsequently sold the same account to XXXX other collection agencies. 

I am being harassed by these companies for a debt that has been settled.
Consumer complaint received 2016-01-20
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (MS)

Originally filed for loan modification with XXXX XXXX XXXX in XX/XX/XXXX latter part, they sold mortgage to Select Portfolio servicing but not until they had set a sale date.I filed a complaint with you and once Select picked it up they stopped sale and allowed me to start new modification I immediately sent in all docs, not once but several times I was sent confirmation they received all and that no more was needed.i waited, sent emails to relationship manager unanswered, but received letters stating they received my request for status.Never was there a request for any more info. Then yesterday I received a sale date of XX/XX/XXXX.I immediately phoned and was given the run aaround and a list of docs still needed and was told they tried conacting me by phone to a number I NEVER gave them or ever had ( they have phoned me on line given in modification papers. Was told that I can resubmit but that it WOULD not stop the sale date if not in review and completed. Is this not Duel Tracking?????? I am sick at this point. I have complied with everything from the get go.
Consumer complaint received 2016-11-09
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: BMW Financial Services NA, LLC (FL)

BMW FINANCIAL IS REPORTING A CHARGE OF ON MY CREDIT REPORT AND AGRESSIVELY ATTEMPTING TO COLLECT DEBT ON THE VEHICLE THAT i RETURENED BACK IN 2011 AND WAS TOLD THAT NO BALANCE WAS DUE FROM ME DUE TO THE FACT THAT THEY WERE XXXX TO RESELL THE CAR AND I PAID ALL THAT WAS DUE FROM ME TO CLOSE THAT ACCOUNT. SEVERAL YEARS LATER I DISCOVERED THAT MY CREDIT REPORT HAS A CHARGE OFF FROM BMW FINANCIAL FOR {$6700.00}. I CONTACTED BMW AND AFTER 7 MONTHS OF CALLING AND WRITING TO THEM ( i DO HAVE A PROOF OF MAIL SERVICE TO BMW ) THEY FINALLY RESPONDED WITH THE LETTER STATING THAT I STILL OWED THEM {$790.00}. HOWEVER WHEN I CALLED TO PAY I WAS DEMANDED {$6700.00} AND THEY DID NOT AKNOWLEDGE THE LETTER ... THIS HAS BEEN DAMAGING MY CREDIT FOR YEARS AND I STRONGLY BELIEVE THAT BMW HAS VIOLATED FAIR CREDIT REPORTING AND FAIR CREDIT COLLECTIONS ACT. I 'M HAPPY TO SUPPLY ANY AND ALL SUPPORTING DOCUMENTATIONS AS NEEDED IN THIS LEGAL PROCEEDINGS
Consumer complaint received 2015-10-05
Product: Student loan — Non-federal student loan
Issue: Dealing with my lender or servicer — Received bad information about my loan
Company: ACS Education Services (WA)

I have tried to work with my current student loan over a couple of years to receive contact information the the bank that holds my loan or to understand why I can not receive that information. I have not been receiving statements or information about my loan for several years & my student loan company has not providing me information. I recently reached out ( again ) to the company to understand more about my loan & my current interest rate. It took 2 months of run around to even get access to my account and when I did, I was shocked to discover it was XXXX points higher than I believed. I have asked to receive information about the interest rate or contact information for the bank that holds the loan. I was told I could n't not have it. ACS, as the servicer of the loan, could not make any changes, and did not have any information or contact to discuss the loan with the holding bank. I was repeatedly told I would just have to " find another bank. '' I do not understand why I can not speak to my current bank about my loan and potential changes, before seeking out another bank or refinancing!
Consumer complaint received 2016-02-28
Product: Debt collection — Credit card
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: ENCORE CAPITAL GROUP INC. (NY)

I have recently been made aware that a judgment was posted against me in 2013. I can only state on record that this collection agency and debt buyer never served me personally as to a pending lawsuit that I could have easily challenged. What I believe happened, it that this company mailed a copy of a complaint to my former address in XXXX New York State, submitted false service affidavits, and then filed a default judgment against me in the proper jurisdiction, as in this case XXXX New York. The facts show that this illegal collection practice is a scam : The judgment company has a collection division that states that they are still collecting on behalf of the original creditor. However, the judgment shows that the judgment is owned by the debt buyer. It is in essence a double hit to me on credit, whereas I now have a judgment on XXXX end, and a completely different company on collection, this does not take into consideration the original creditor on my credit reports. The collection process is broken, already confirmed by the Federal Trade Commission. 
I now have XXXX different fights to deal with all because my rights under New York legal practices were violated, and my rights under the Fair Debt Collection Practices Act were also violated. I demand a full accounting of disclosed documents pertaining to the illegal judgment posted against me. 
I demand this company vacate of the existing judgment XXXX.