davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-03-22
Product: Student loan — Federal student loan servicing
Issue: Dealing with your lender or servicer — Keep getting calls about your loan
Company: Navient Solutions, LLC. (FL)

I have been dealing with what is now Navient for years in regards of repaying my student loan bill. I've had circumstances that caused me to have to use the deferment and forbearance methods, but have been steadily paying when possible when not using these methods. Since the beginning of the new year, I have been constantly receiving calls from different states and toll-free numbers, of which I haven't ever received before. My student loan is the only debt I have. Through some research, which consists of looking up the phone numbers calling me, I've found out all the numbers are in regards of collecting money, in association with Navient, my student loan company. The one time I picked up, wondering why these people from other states were calling me, they were rude and unprofessional. I even took notes on what was said and the rude manner in which I dealt with. I do not understand why harassment is a supported method in which to obtain debt, of which I am on deferment so I should not be receiving -any- calls whatsoever until at least my deferment ends, which is many months away. Today, I received a call at my workplace regarding this personal issue and I was not even present to pick up the phone, but my coworker was and took a message for me. It was Navient calling my work to try and collect on a student loan that is still in deferment. In no way is this acceptable or even a decent collection method, as now my workplace knows of my debt. It is unprofessional to call a workplace of someone to try and collect, let alone divulge personal information to others within the workplace. I am filing this complaint against Navient because in no way is calling my workplace an acceptable practice, let alone divulging my information to everyone I work with. The FDCPA prohibits calling ones job to collect a debt, yet it occured today by Navient. Also, part of my complaint is because I am being harassed to pay on a student loan that is still very much in deferment. This whole issue is absurd and should not be as drawn out of proportion as it currently is.
Consumer complaint received 2017-06-09
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Personal information incorrect
Company: EQUIFAX, INC. (NJ)

Name is improperly being reported/used/published.   My correct current name i s   XXXX   XXXX     ( F ormerly   XXXX   XXXX    ). I   have never gone by the name   XXXX   XXXX   XXXX   nor do I currently go by the name   XXXX   XXXX   XXXX   -- Please have this corrected as soon as possible.
Consumer complaint received 2018-05-31
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: AmeriHome Mortgage Company, LLC (CO)

On XX/XX/XXXX - I had inadvertenly paid the county treasurer for my property taxes in the amount of XXXX. Since, I was an new homeowner, I wasn't aware that the escrow account would cover that amount, so an overpayment was made. The county had issued an refund and instead of sending me the money, they sent it to the escrow account and amerihome. I had requested in XX/XX/XXXX that this money be refunded to me, and it has been an nightmare of wrong answers by Amerihome. From XX/XX/XXXX they have consistently kept telling me every 7-10 business days and I would have the refund. Finally at the end of XX/XX/XXXX I started to keep an log of names and dates. On XX/XX/XXXX, I was told by an representative at Amerihome that it would be 7-10 days. On XX/XX/XXXX, I spoke with an XXXX, who informed me that the check would be delivered by XX/XX/XXXX via XXXX. On XX/XX/XXXX, there was no XXXX   package, so I called and spoke with XXXX. She told me that the check wasn't issued and it would be XX/XX/XXXX. I also spoke with an XXXX ( supervisor - emp # XXXX ), and he confirmed that the check would be mailed out and to me within 7-10 days. I called on XX/XX/XXXX, spoke with an supervisor named XXXX ( supervisor - emp # XXXX  ), and he said the check was held up and released on XX/XX/XXXX, do to an internal audit. He had told me this would now be 7-10 days from the XX/XX/XXXX date. I am getting some serious misinformation and would really like an investigator to loge an inquiry of the call logs for this request. Please help, I seem to be getting no where with Amerihome.
Consumer complaint received 2017-06-09
Product: Money transfer, virtual currency, or money service — Domestic (US) money transfer
Issue: Wrong amount charged or received — 
Company: Paypal Holdings, Inc (MA)

On   XX/XX/XXXX   I sold something on  XXXX  for {$2000.00}, and the buyer paid through PayPal. I received {$1900.00} in  PayPal  after  PayPal  's fees. After receiving the package, the buyer requested a refund. I said ok, the buyer shipped back the packaging, and I issued the refund. The refund was processed through  XXXX  and {$1900.00} was subtracted from my bank account. However, due to a glitch in the  PayPal  system, my  PayPal  balance was additionally debited by {$1900.00}, resulting in a negative balance of that amount in my  PayPal  account. I was charged {$3900.00}. After spending a few hours on hold and through department transfers on PayPal, they acknowledged th at it was PayPal 's error, a " glitch in their system '' and apologized. They credited my PayPal acc ount {$1900.00} on   XX/XX/XXXX .  However, on   XX/XX/XXXX  , PayPal 's system informed me that a " Temporary credit issued by paypal '' has expired and would soon be debited from my paypal account again. On   XX/XX/XXXX ,  my account was again charged {$1900.00}. I furiously called  PayPal again, and after about 4 hours on hold and otherwise, PayPal again  acknowledged that it was an error on their part and would reverse the charge on my account. They reversed the charge and I received {$1900.00} back. This exact same situation happened on   XX/XX/XXXX  . I was furious that my account was charged again by their automated system, and for spending so many hours on the phone and having an issue repeat itself, and I demanded that they ensure it does not happen again. They ensured this, however today on   XX/XX/XXXX ,  my account was again charged  XXXX . After many promises, apologies, and acknowledgments of error, PayPal has done nothing. I have spend dozens of hours on the phone and am considering legal action to recover compensation for my money and lost time.
Consumer complaint received 2017-06-09
Product: Debt collection — Other debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: Receivables Performance Management, LLC (CA)

I was with  XXXX  for 18 months with a family plan (   XXXX    XXXX   XXXX  ), they told me my plan was going to be  XXXX  dollars a month I star receiving bills how they promised, 3 months later they star increasing to  XXXX , 9 months later  XXXX , until I got tired and decided to go back yo my last  carrier   XXXX , when I port the numbers att Took the phones and told me they were going  yo send m e a prepaid visa to pay  XXXX  ( because I gave the  XXXX  to  XXXX  ), before that  XXXX  told me to pay off the phones and the last bill was going to be {$1000.00} dollars which {$180.00} the last bill and {$300.00} each phone, so I decide to pay the last bill and wait for  XXXX  to send me the prepaid visa to pay off the phone,  ,they said that I had a remaining of {$900.00} dollars, now a 3 weeks ago I received a phone call from a  collection agency that I owe then    XXXX   XXXX   b ecause  XXXX  coold not wait and decided to take me to collection, and now I owe the collection agency more that my balance with  XXXX  because I waiting for the prepaid visa from  XXXX , my question is if is legal now what the collection agency is doing charging me more for what I owe  XXXX ?
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: DISCOVER BANK (IN)

XXXX   XXXX   XXXX  violated FDCPA  1692e.   XXXX   XXXX   XXXX  filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees.  XXXX  and  XXXX  failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the  Claimant and    XXXX   XXXX   XXXX  are the Respondent.  XXXX , clearly states t he Respondent  did not pay. Per  XXXX  '  Policy, th ey review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays.  See Attachment.     XXXX   XXXX   XXXX   XXXX  knowingly lied on filed claim which clearly violated the FDCP A 1692e
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: False statements or representation — Attempted to collect wrong amount
Company: ZWICKER & ASSOCIATES (IN)

Zwicker & Associates violated FDCP A 1692e. Zwicker & Associates filed a false claim in Small Claims Court stating that Arbitration was terminated due to the Defendant ( Me ) failure to pay fees. Zwicker and Associates failed to pay fee causing Arbitration to be terminated. In  XXXX  arbitration, I am the Claimant and Zwicker & Associates are the Respondent.  XXXX , clearly states the Respondent did not pay. Per  XXXX  ' Policy, they review credit card agreement and other documentation and decides who pays what and send a letter to all parties involved stating who pays. See Attachment.       XXXX   Zwicker & Associate knowingly lied on filed claim which clearly violated the FDCPA 1692e
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive notice of right to dispute
Company: South Mississippi Collection Services Inc. (MS)

Reference my CFPB complaint, ID # XXXX, to South Mississippi Collection Service ( SMCS ), submitted on XX/XX/XXXX ; and SMCS ' response on XX/XX/XXXX. A Medical Debt Collection Account has been posted on my Credit Reports by SMCS on XX/XX/XXXX. This Collection Account has a reported opening date of XX/XX/XXXX, in the amount of {$64.00}, original amount of {$46.00}. I am a XXXX U.S. Citizen and receive some limited State and Federal Medical Insurance Benefits. Apparently, the remaining balance, in the amount of {$46.00}, was not paid to the original Creditor ( XXXX XXXX  XXXX ) by my medical insurance ; A {$18.00} collection fee was later added by SMCS for a total of {$64.00}. Because of my XXXX Benefit fixed low income, the XXXX XXXX XXXX   XXXX setup a payment plan with me for any unpaid insurance medical charges. This payment plan was setup prior to XX/XX/XXXX ; but the XXXX XXXX XXXX   XXXX apparently still sent the unpaid balance to collection. The Fair Debt Collection Practices Act ( FDCPA ) requires that within 30 days of debt assignment, SMCS must notify me in writing, not phone calls, of this Collection Debt. I am AGAIN stating that I DID NOT receive any lawful WRITTEN DEBT NOTIFICATION from SMCS. I would have happily arranged payment if properly notified prior to reporting it to the Credit Reporting Bureaus. I submit to XXXX   that Collection Agencies need to STOP the practice of just reporting to Credit Reporting Bureaus under the guise that they gave a person lawful DEBT NOTIFICATION. A person 's Credit Report is nothing to PLAY with. The information on Credit Reports greatly influence a person 's livelihood ( ie., Mortgages, Rent, Loans, and even Insurance and Utilities ). I challenge SMCS to provide proof that I PERSONALLY received lawful WRITTEN DEBT NOTIFICATION, NOT PHONE CALLS, from them.. I receive all my other mail at my indicated home address. I have no problem with paying this Medical Debt, but I will seek lawful action if the the Collection Account is not IMMEDIATELY removed from my Credit Reports.
Consumer complaint received 2017-06-09
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: ENCORE CAPITAL GROUP INC. (CA)

Accounts #  XXXX  and #  XXXX  are accounts were due to identity theft. In addition, the statue of limitation has been exceeded for each account.   Account #  XXXX  in reference to  XXXX   XXXX . After contacting the company I was informed that the account was SOLD t o MIDLAND CREDIT MANAGEMENT. W hich by my understanding is illegal. This account initially was reported as identity theft to  XXXX . After the issue was ignored by  XXXX   XXXX  they then sold the account to MCM.
Consumer complaint received 2018-03-22
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 — Investigation took more than 30 days
Company: EQUIFAX, INC. (GA)

XX/XX/2017, I sent Equifax a request for verification of proof on the following accounts in the attached documents. Especially on an account named XXXX XXXX. I NEVER received an update on the investigation status! I recently pulled my credit from Equifax this year and saw that some of the accounts were deleted. I NEVER RECEIVED notification of an update on my request nor a status on an investigation. So they are 30 days OVER-due.
Consumer complaint received 2022-03-03
Product: Mortgage — Conventional home mortgage
Issue: Trouble during payment process — 
Company: CITIZENS FINANCIAL GROUP, INC. (AL)

In XXXX XXXX XXXX I received a mortgage statement from Citizens Bank which indicated I might have a shortage to my escrow. 

Subsequently, I sent in a check to cover the deficiency and added notes onto the check to make sure that the extra payment would be applied correctly. It was not, even though they set me up on auto draft. 

Having had issues with Citizens Bank regarding my tax information last year, I'm inclined to reach out in hopes to get this corrected. 

As of recently, I've been sent several late notices, which has added extra expenses, fees, lost time, and undue stress to my busy schedule, although my issues date back way before this period. Since XXXX, I've called Citizens at least 5 times to get the issue resolved, and as of today, this issue has still not been corrected. As you can imagine, this has been very stressful, and I believe this to be very unfair, and slightly deceptive from Citizens Bank and would appreciate any help looking into this matter.
Consumer complaint received 2018-03-22
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Talked to a third-party about your debt
Company: Ascension Point Recovery Services, LLC (TX)

In the early afternoon of XX/XX/2018, a company by the name of Ascension Point Recovery Services called my brother. During said phone conversation, the representative from Ascension Point ( XXXX XXXX ) told my brother I was dead  and that I had named him as the executor in my will. She tried multiple times to get my brother to " confirm '' my date of birth and the last four of my social security number so she could help him " settle my estate ''. Despite her persistence, he would not give her any information. My brother began asking her questions ; he asked about her business with me, questioned when I supposedly " died '', what he " supposed '' to pay and how much, ALL of which she refused to answer. Fearing that this company was phishing for information, he informed her that I was not dead, but very much alive and lived 8 miles down the road and he would be calling me immediately after their conversation was finished. She, XXXX, left her name, company, phone number and extension so he could call her back to " settle the estate ''. After he called and told me about the conversation, I put the company name into XXXX. I found out that this company offers debt collection services as well as estate settlements.

There is so much ethically wrong with this. I am not dead, I have not named my brother as executor on anything, and I certainly do not have an " estate to settle ''. To call family members and suggest their family member has passed away is crossing that ethical line. Had they called my XXXX year old mother, this could be a whole different situation. THIS COMPANY NEEDS TO BE STOPPED!
Consumer complaint received 2018-03-22
Product: Debt collection — Credit card debt
Issue: Attempts to collect debt not owed — Debt is not yours
Company: ENCORE CAPITAL GROUP INC. (FL)

I sent XXXX XXXX XXXX a validation letter on XX/XX/XXXX to validate my account. They did not validate my account whatsoever they sent me a statement of XXXX which is not a validation of my account. I asked for them to remove the account from off my credit report because of the vet they could not validated they still did not remove the account off my credit report due to non validation.
Consumer complaint received 2018-03-22
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: The Receivable Management Services LLC (VA)

RECEIVABLES MANAGEMENT Damaged me credit reports and added an account doesn't belong to me on XX/XX/XXXX of 2017 for {$770.00}. 

I tried to get hold of them and they threat me they will damage my score more if I don't pay them something I'm not aware of it. 

Please help me to remove this account and make them stop threatening to damage my credit. 
Thanks
Consumer complaint received 2018-03-22
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: The Receivable Management Services LLC (NJ)

In the beginning of XX/XX/XXXX i paid the amount that i was offered to pay wich is {$300.00}, but my credit report me owe tht amount, i called the debt collector ( XXXX XXXX XXXXXXXX XXXX XXXX XXXX, PA XXXX ) they told me that i have to contact XXXX. With that being said can you please remove the debt from my report it's affecting significantly my report. 

Kind regards XXXX XXXX XXXX
Consumer complaint received 2024-01-27
Product: Debt collection — I do not know
Issue: Threatened to contact someone or share information improperly — Contacted you after you asked them to stop
Company: ENCORE CAPITAL GROUP INC. (VA)

Midland Credit Management ( heretofore MCM ) is wilfully disregarding a legal opt-out request per 15 U.S.C. 1692c ( c ). MCM acknowledge the receipt of said opt-out request in their latest letter to me dated XX/XX/2024, in which they attempt to suggest that their communication attempt is legal. This is false, as I have requested ( and my request was granted ) not to be contacted, and as such MCM can not legally notify me that they are merely considering forwarding their account to their attorney. For the avoidance of doubt : I have previously opted out of receiving communications from them, and they acknowledge this fact in the first and the last sentence of their letter. Combined, these indicate to any and all reasonable observers that they are clearly acting in a wilfully negligent manner. Specifically, this sort of communication which they sent me is strictly prohibited by the Fair Debt Collection Practices Act ( FDCPA ), specifically section 1692c ( c ). Here 's why : 1. Opt-out right : The FDCPA grants consumers the right to stop receiving communications from debt collectors. This right applies to all forms of communication, including phone calls, letters, emails, and text messages.

2. Communication after opt-out : Once a consumer has opted out, the debt collector is generally prohibited from contacting them directly. This includes any communication about the debt, even if it is intended to inform the consumer about potential legal action.

3. Exceptions : There are a few narrow exceptions to the prohibition on communication after opt-out. For example, a debt collector may still contact the consumer to : ( a ) Correct or update information about the debt ; ( b ) Offer a settlement or repayment plan ; ( c ) Inform the consumer about specific legal actions, such as filing a lawsuit or repossessing property. However, simply notifying the consumer that their account may be forwarded to an attorney does not fall within any of these exceptions.

Therefore, since they received an opt-out request from me, they should have ceased all communication with me unless it falls within one of the narrow exceptions permitted by the FDCPA.
Consumer complaint received 2020-07-10
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Information belongs to someone else
Company: EQUIFAX, INC. (FL)

AFTER REVIEWING MY CREDIT REPORT, I HAVE FOUND AN ACCOUNT AND FEW INQUIRIES REPORTING ON MY CREDIT WITHOUT MY KNOWLEDGE. THIS ACCOUNT AND INQUIRIES HAVE CAUSED A HUGE DROP IN MY CREDIT SCORE. THE ACCOUNT AND INQUIRIES DO NOT BELONG TO ME AND DOES NOT BELONG ON MY CREDIT FILE. I AM ASKING THAT YOU PLEASE RE-INVESTIGATE THE ACCOUNT AND INQUIRIES AND HAVE THEM REMOVED OFF MY CREDIT AS SOON AS POSSIBLE.
Consumer complaint received 2017-06-09
Product: Debt collection — Payday loan debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Chaplain Financial Services LLC (DC)

This is in response to a prior complaint, number  XXXX  to which the company insufficiently responded. Their response was : " We sent all needed information about each account. Consumer was not satisfied with his findings. We are asking if the loans were paid to only provide us with paid documentation. '' In fact the needed information for verification was not received. That information should include in writing : 1 ) The exact name of the original creditor or successor 2 ) Their mailing address 3 ) Dates of alleged loans, loan numbers and specific amounts together with any payment history Absent receipt of this specific information in writing, we will consider this matter closed.
Consumer complaint received 2017-04-13
Product: Mortgage — Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account — 
Company: BB&T CORPORATION (PA)

I have had a home equity line of credit for a few years. I opened it with a bank that has subsequently been purchased by BB & T. When BB & T purchased the bank, they split my account into 2 different account numbers : a fixed account that has the balance of my original loan, and a variable amount from which I can take additional funds. I have never taken money from the variable account. 

Beginning in the winter of XX/XX/2016, BB & T began applying my payments to the variable account, which has a XXXX balance, and charging me late fees on the fixed account. I attempted to resolve this at the branch and by phone a number of times. They advised me to change the account number that I use via online banking, which I did several times. Each time they have reversed the late fee and corrected the charge -- however it takes me between 30 & 90 minutes on the phone and on hold to resolve it. They have even had their collection department make harassing phone calls to collect a payment that was not late. 

Most recently, on Monday of this week I spoke with a supervisor who told me the issue was resolved ; and gave me yet another account number to use to ensure that payments were applied to the account with the balance. This did not resolve the problem, and I received harassing calls from their collection department again today.