davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2017-09-13
Product: Debt collection — I do not know
Issue: False statements or representation — Attempted to collect wrong amount
Company: American First Finance, Inc. (FL)

Visited a furniture store looking for bed railings only. Salesman said can get new bed easily apply for credit. I applied and was approved XXXX/XXXX/XXXX for XXXX. I looked through catalog and every bed was too much and he has no idea when I would receive. I liked one bed but he said it was n't in stock and he would call me when it was. Then I started getting calls about a payment coming off my debit card for XXXX/XXXX/XXXX. I only purchased railings from him and told him to call me when gets bed. Never received a call just letters and calls from finance company saying I need to pay. I called the company who said I need to go sign the contract again to change the date. I explained I never signed a contract ever nor do I have any merchandise. A supervisor said they would contact the furniture store and callback on XXXX/XXXX/XXXX. No call was returned. I called on XXXX/XXXX/XXXX only to be put on hold for 30 minutes no resolution. I hung up.
Consumer complaint received 2015-05-13
Product: Credit card — 
Issue: Advertising and marketing — 
Company: Paypal Holdings, Inc (CA)

I wrote a letter in response and follow up to a phone call I had made to a representative of Pay Pal and was instructed to send Pay Pal a letter documenting a complaint that I felt borders predatory practices. 

" On Monday the XXXX day of XXXX, I was asked by a property management company if I would sign up for a pay pal account to pay an invoice they had prepared for me. It did not appear to be that big of an inconvenience, and thought in doing so, I may use from time to time when vacationing via XXXX, to pay for stays seeing it is widely used throughout XXXX. After joining, I paid a small invoice and thought nothing more about until I received a letter dated XXXX/XXXX/2015, stating I had been denied credit. I know that I had not requested any credit cards with pay pal, or any other type of credit, I became alarmed that someone was using my information that I provided when joining pay pal and quickly called to cease any malicious action on my behalf that may be occurring. After speaking with the pay pal representative and her looking over the online correspondence, it appears, from her account that I entered the last XXXX of my social thinking that it was part of signing up for a pay pal and inadvertently requested credit on my behalf, which I most certainly was not aware of! She told me that this is a common mistake and to write this letter. With that said, I feel that the way in which the credit is presented appears to be consistent with the remainder of a pay pal account, and most definitely not a third party/bank ( XXXX XXXX Bank ) soliciting and extending credit. I believe it is predatory in nature and a reputable company such as pay pal should remove immediately and or make VERY clear what the nature of the pop up window is. 

I kindly request that pay pal remove any and all request for credit off my credit report. 

Thank you in advance for your cooperation. 

Sincerely, XXXXXX '' Last XXXX of SS : XXXXDOB X/XX/XXXX
Consumer complaint received 2017-03-08
Product: Debt collection — Medical
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Evergreen Financial Services Inc. (WA)

We have a medical co-pay being billed to us that was paid via debit card at the time of service. The date of service was XX/XX/2016 for XXXX. It was a charge for my daughter. The hospital kept trying to collect this from me multiple times. Each time I would get a letter I would call the hospital and they said " they would work on it ''. Well almost a year later I get a letter from Evergreen Financial Services saying to pay the {$30.00} dollar co-pay or get a judgement. I was mad to say the least! I sent in a copy of my bank statement showing the amount debited from my account on the day of service from their client. I called back to see if they received the proof of payment and now they have to talk to the client to make sure this is ok? I paid this money. I have proof! That should be the end of it!!! This is so unprofessional I do not know what to do. So this is the action I am taking. I will keep fighting this! I know it is only {$30.00} dollars, but it is about principle now.
Consumer complaint received 2017-02-14
Product: Debt collection — Medical
Issue: Communication tactics — Threatened to take legal action
Company: WESTERN CONTROL SERVICES, INC. (CO)

Good Afternoon, I am extremely upset with the services provided and the lack of understanding your office offers. As of today, I have called 4 days in a row ( and 4 times in XXXX day ) to attempt to work with Western Control Center. As of today ( XX/XX/XXXX ) the company has called me since XX/XX/2016 but only left me XXXX voicemail message. When individuals do call me from any phone number from Western Control Center, the call is immediately hung up after answering. Can someone explain how that is fair? 

As of today, I am unable to make any payments including good faith payments as I do not qualify. I do not qualify becuase I refuse to provide personal bank statements along with my common law partner 's information, bank statements, and pay stubs from both of us. I have asked numerous times to please explain how I am to make XXXX payments of {$880.00} or monthly payments of {$580.00} when the company doesnt take into account basic living needs. 

As of today, XXXX stated that he would assist me. He asked me where I was working and what pay rate. He then said that " IF the information checks out '' the lowest he could go is {$500.00} a month. I stated that I was not able to do that a month and that they are not taking into account my rent and other bills. He was frustrated and toward the end of the conversation stated that I dont need to send in my information and he trusts it was true. When I asked why he would not need proof of my bills he said I was welcome to send in whatever I wanted but that it didnt matter. {$500.00} a month was the lowest his collections department could go. When I asked to speak with someone in the collections department he said I had already spoken with everyone in the office. I asked " then why cant anyone work with me? and why do you need to have this information reviewed by another person but your deciding my personal expenses dont count suddenly? '' He replied with " you are just going in circles, I can not give you legal advise and there is nothing further I can do. You either pay it or I take the next step. '' I asked what the " next step is ( garnishment ) '' and he stated that he can not give me legal advise ( as if I was asking ). 

At this time, it has been determined and proven that Western Control Center will not only push you to get as much money as they can but if you do n't comply with their way, they will force their way through the legal system. That will include liens, garnishments, and any other forms of collection money. 

Terrible group of people.
Consumer complaint received 2015-10-16
Product: Mortgage — Other mortgage
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (WA)

I previously had a mortgage through PHH Mortgage. I recently refinanced my mortgage through XXXX. XXXX requested a current pay off statement from PHH on XXXX occasions in XXXX and PHH refused to provide a current pay off statement. They initially provided a payoff statement through XXXX XXXX and then provided a payoff statement through XXXX XXXX. We closed our refi and sent payment on XXXX/XXXX/15 to PHH overpaying our interest through XXXX XXXX. PHH refunded the balance of our escrow account. However, they DOUBLE PAID our PMI first before refunding. Our PMI was current and there was no reason for the double payment. We no longer use the same PMI company and I believe I am owed a refund of the duplicate payment. PHH has also not refunded the overpayment of 20 days of interest ( XXXX through XXXX ). I have called PHH to request info on where my overpayment went and they have refused to provide info. I asked for a statement of how much my overpayment was and they advised they did not have that information. They did not answer my question when I asked about the duplicate PMI Payment. They offered to send me a list of my payments XXXX which I am able to see online ) but then never faxed it.
Consumer complaint received 2017-02-27
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: PHH Mortgage Services Corporation (IL)

PHH mortgage service has failed to update its records of my account being past due in XXXX and XX/XX/2012 despite my providing documentation of error and request to then and Experian to correct. In late 2012 our servicing was moved to PHH from XXXX. We made timely XXXX payment of XXXX on XXXX and on XXXX we made a combined XXXX and XXXX payment of XXXX. No payments were late. Attached is copies of bank statements showing amounts were paid electrically. Please correct this error This error occurred when servicing was being moved
Consumer complaint received 2015-11-29
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: BB&T CORPORATION (NJ)

I have payments of {$360.00}. a month for a 2012 XXXX XXXX. For the past two years everything was fine until I ran into some financial difficulties. If i miss a payment, they constantly call me several times a day.They also call my friends and relatives. I 've told them at least XXXX times to cease and desist. They still keep doing it. I want them to leave me alone.
Consumer complaint received 2016-03-21
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: False statements or representation — Attempted to collect wrong amount
Company: Titan Receivables, Inc. (CA)

I was a co signer to bail a friend out of jail i she stop making payment and i can find her now it on my credit im looking at the term and amount it inncorrected and on my credit
Consumer complaint received 2016-07-21
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs — 
Company: SELECT PORTFOLIO SERVICING, INC. (CA)

Greetings, Through Select Portfolio Servicing Inc. 's ( " SPS '' ) extortion attempts, since they are complete strangers to the alleged transactions and that there is absolutely no default whatsoever [ see attached affidavit of ex police officer and currently private investigator under penalty of perjury, that all payments on a non existing loan has been received and there is absolutely no default ], and since i : am taking care of my XXXX mother, i : decided to list my property for sale so that the pretender lender SPS and its co parties can not even steal the equity i : have in my property. There has been XXXX offers, the first buyer offered {>= $1,000,000} and i : accepted that offer. Because of SPS 's extortion attempts and illegal conduct, the first buyers backed out of the deal. The new buyers have offered {$75000.00} less, we are in escrow and need to close the escrow in the next few day. SPS has charged me fees and expenses that they are not supposed to, like charging attorney fees of ~ {$70000.00} when that attorney was not even admitted to XXXX XXXX XXXX of California whose name is XXXX XXXX. XXXX of XXXX XXXX firm, see attached pdf file related to attorney woods, pages XXXX. In addition, SPS refuses to verify the amount of the alleged debt under oath. According to XXXX law dictionary, verification means to substantiate or to confirm under oath. All i : have been asking SPS is to verify the amount of this alleged debt under oath so that we can close the escrow and move on with my life. Stated differently, there is nothing stopping SPS to claim that i : owe them {>= $1,000,000} for example. SPS refuses to do that since they know that i : do not owe them anything. i : am therefore respectfully requesting CFPB to demand that SPS to verify the amount of the alleged debt under Oath so that we can close the escrow. SPS and its co parties have significantly damaged me and my family economically by their repeated misconduct and i : am reaching out to CFPB to please assist me and my family to get SPS to verify the amount of the alleged debt so that we can close the escrow.
Consumer complaint received 2016-12-01
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (FL)

In addition to the response from the lender/servicer, we were advised that the lender/servicer would take into account the documentation requested to increase our income. In addition, we provided documentation regarding the status of the SS XXXX claim for which my husband has counsel. Attached is the correspondence from them, claiming permanent XXXX income for my husband, which is pending hearing. In addition we forwarded to our counsel on the foreclosure case, XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, the response of the lender/servicer directing us to contact XXXX XXXX, XXXX, This response was also given to you on our previous complaint case # XXXX. Our attorney attempted to communicate with said attorney, with no response back from her regarding the review of our loan modification application. In the last few days, we found out that XXXX XXXX had not been returning the correspondence, and telephone inquiries, as she was not longer with the Plaintiff 's law firm, and new counsel has been assigned. My husband 's condition has worsened, and the claim for permanent XXXX is pending before SS and is based on my husband 's prior income. We are certain that with my additional income, and my husband 's XXXX that we will qualify for a loan modification. We have not been given a fair opportunity to make proper application and the documentation of my increased income has been ignored by the lender, and each time proof is submitted, the increases are subracted, rather than added to the total income amount. We believe that our application has not been given fair review, and we are filing this complaint. The trial date we have of XX/XX/2016 needs to be postponed to provide adequate time for a fair examination of the income, for the increases of mine which I have provided, and for Social Security to determine the monthly permanent XXXX amount. 
Again, we were assured that the XX/XX/2016 denial would be reviewed with the documentation submitted to prove a greater income stream, which was previously ignored. This was the reason why they needed more time yet no such review was in process which meant they were not truthful to the court and to us. We need your help to be given a fair and honest chance to keep our homestead.
Consumer complaint received 2016-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info — Talked to a third party about my debt
Company: RAB, INC. (PA)

A man by the name of XXXX XXXX would n't tell us who he worked for but I later looked up the telephone number he called from. I discovered he works for Regional Adjustment Bureau , Inc. He is trying to collect a debt from a family member of mine that owns a business. He repeatedly used multiple telephone numbers which he spoofed even local numbers to make it look like it was a local call. We called those numbers back and they were random people that had no idea what was going on. He threatened to call us every day until we contacted the person who owed the debt. He even went as far as contacting my wife, her sister, and her family who has absolutely nothing to do with the company who owes the debt. He even went as far as calling them repeatedly and hung up on them with a very very nasty tone. He told my sister-in-law that she " sounded dumb '' and asked if she ever went to school. Secondly, he called my father a " dead beat '' and told my wife to " shut her mouth ''. He has called not only the people above, but also my brother, and my sister. We are all tired of this " debt-collector '' harassing all of us which we have absolutely nothing to do with the debt owed. He has violated the Fair Debt Collection Act completely. The telephone numbers that he spoofed to call us are : XXXX, XXXX, XXXX, XXXX.
Consumer complaint received 2017-09-13
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Improper use of your report — Reporting company used your report improperly
Company: EQUIFAX, INC. (OH)

I tried to sign up for the fraud alert offered by Equifax and have had a terrible time doing it. I started the computer-based process on XX/XX/XXXX and was told after entering a small amount of information to come back to the site to complete the process the next day. Why? That is but the first oddity. Upon following that instruction on XX/XX/XXXX, I had a question, so decided to call. Thus started the fall down the rabbit hole. Busy, busy, busy, then on hold, on hold, on hold, and an hour went by, then all of a sudden the phone went to a busy signal again! I started the call process again just out of sheer cussedness and after another 45 minutes reached a person. I quickly determined that she did not know what she was talking about and could not answer my question. 
Although frustrated, I played around on the computer a bit more and found the page to complete the fraud alert registration, and discovered that they want me to enter all kinds of sensitive information, i.e. Social Security number, date of birth, my middle name! Are they crazy? They already compromised my financial information by allowing it to get hacked, and now they want me to put it into cyberspace again, just in case the criminals missed something the first time! Can you help with this craziness?
Consumer complaint received 2016-05-05
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt — Right to dispute notice not received
Company: I.Q. DATA INTERNATIONAL, INC. (CA)

I was contacted by IQ data saying I owed an apartment complex over {$5000.00}. When I asked for more information and that I wanted to dispute it, I was told that IQ Data did not have to send me any documentation and that I was being sarcastic and cynical. They also said I had no basis or evidence to dispute the debt. They made false claims stating I had been evicted and owed. I again asked for a break down of the debt in writing, I was told they sent it out but I have yet to receive anything. When I called a third time to ask for documentation, I was told that if I kept calling I would be sued for harassment. The XXXX women I spoke with were XXXX and XXXX. Extremely unprofessional and rude.
Consumer complaint received 2015-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Threatened to take legal action
Company: I.Q. DATA INTERNATIONAL, INC. (CT)

I attempted to resolved this debt with this company and they wanted the whole amount which I could not afford at the time. The lady that spoke to me was very rude and told me that if I did n't settled this right away with her that she would not accept any other offer. I since called back on XX/XX/XXXX and I was told by XXXX at XXXX XXXX that I had to pay {$900.00} today in order for them to accept my payments for six months. When I left my apartment in XX/XX/XXXX I was being harassed by neighbors and also given a written notice to vacate the premises because my rent was 2 weeks late. i left the apartment before being served and now they are coming after me with the collection agency that is charging me interest every month. I need to be able to pay them and also maintain my current bills. The Collection company is XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, WA XXXX i owed he apartment complex were I previously lived {$3800.00} now my bill is {$4500.00}. and climbing. Please five me some advise. Thank you
Consumer complaint received 2015-09-17
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt was paid
Company: Eastern Account Systems of Connecticut, Inc. (NJ)

3 years ago we moved and our final bill was paid to XXXX. A few months later I received a bill from a collection agency in the amount of {$280.00} on behalf of XXXX. I immediately contacted them and told them I paid this to XXXX. Back and forth between them and XXXX, XXXX states they did not receive my last payment. At that point I paid this to XXXX XXXX XXXX. It is still showing as a collection account and the terms are showing one month. My wife keeps calling this company asking them to remove this and they keep shutting her down and stating you knew you were calling a collection agency and you paid a collection agency! We paid it because we had no choice because XXXX asked us to. My wife was told this account was not being reported because it was less than a month. We paid this account immediately when we found this error. This is hindering my ability to obtain a mortgage all over {$280.00}! I need this removed and I can not get anywhere with this company. They are ignorant and treat my wife like she is a low life who does not pay the bills. I do not have any other negative information on my credit report but this. It has been 3 years and they are still reporting negative information all for {$280.00} that was paid immediately.
Consumer complaint received 2017-03-21
Product: Consumer Loan — Installment loan
Issue: Managing the loan or lease — 
Company: American First Financial Services, Inc. (LA)

I have a account with American First Financial and due to a natural disaster ( Flood ) in XX/XX/2016 and circumstances beyond my control my account became behind in payments. I sent the company a agreement and check stating in exchange for payment in full they will agree to remove the account from my XXXX credit report. On the check I wrote in cashing this check you agree to remove from XXXX credit report. American First cashed the check but did not uphold the agreement and remove the account from my XXXX credit report. The company did not return the check or notify me that they would not accept the agreement. FCRA does not demand all accounts be reported therefore a company does have discretions and permission to remove any account it chooses on a credit report. I sent agreement letter and check and American First did not uphold the agreement or notify me prior to cashing the check that they would not honor the agreement. In cashing the check they accepted the terms of the agreement.
Consumer complaint received 2016-11-08
Product: Mortgage — Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure — 
Company: SELECT PORTFOLIO SERVICING, INC. (NV)

I fell behind on my mortgage after having to send all of my money to my family in XXXX in order to save their life after the war reached their city in XXXX. My servicer SPS ( Select Portfolio Services ) is only considering my loan for assistance based on affordability and not an actual hardship which caused a gap in income. I hired an attorney to assist me in submitting my request for assistance to SPS. My loan apparently was also recently sold from XXXX to XXXX of Nevada. According to my attorney, XXXX was part of an Attorney General Settlement and this loan is required to be modified as part of that settlement. The fact that it was recently sold should not be an excuse to block me from assistance. My hardship is real and SPS and the new owner of my loan do not care about anyone or actual hardships. They are evading reviewing me for an assistance program that actually looks at gaps in employment. My attorney states SPS does this to everyone. They only review for affordability hardships and ignore actual gaps in income or real hardship cases. My home is only worth about 60 % of what I owe. I truly want to pay the entire amount of my balance, however it appears the new owner of my loan only wants to steal my home.