davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2015-09-25
Product: Consumer Loan — Vehicle loan
Issue: Problems when you are unable to pay — 
Company: FORD MOTOR CREDIT CO. (UT)

I had a vehicle loan with Ford Credit. They had my phone # and Email account to contact me anytime they needed. They called and would leave messages of call us, but never an email or call mentioning that pay or we will repo your vehicle. In fact on their web site for my account it said nothing of pay by XX/XX/XX date or we will repo vehicle. Suddenly on XXXX/XXXX/15 a tow truck comes at midnight and takes the vehicle, I ask the guy why and he says for Ford Credit. I go in and check my account online and it says the loan is past due but still no warning of repo. 3 days later still no warning of repo, so I send internal message to their support board from my account login stating this is wrong, what is up and why no fair warning. XXXX later they close the access to web account, I get a call from them asking me to pay some payments, I ask why if you have the vehicle already? The gal says oh and hangs up on me. How can Creditors get away with operating this way? Now after 9 days ( on XXXX/XXXX/15 ) I get a letter stating the vehicle was repo 'd on XXXX/XXXX/15 and that on XXXX/XXXX/15 it will be sold at a " Private Auction '', unless I pay them the full balance before XXXX/XXXX/15 - really I got the letter on XXXX ( Saturday ) and XXXX in Monday giving me 3 days to cough up the money and get it too them!! I feel this was handled very poorly, and unfairly.
Consumer complaint received 2015-06-01
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Northland Group Inc (VA)

Northland Group called me on XXXX XXXX, 2015 regarding a debt owed by XXXX XXXX, the person who had my current phone number until last summer. I was assigned the phone number XXXX and have been receiving calls for XXXX, whom I do not know, have never met, and has never lived at my address. I requested Northland Group take my phone number off their call list and they said they would. I asked which company was collecting the debt so I could talk directly to them and they refused to tell me. I saw on my caller ID that Northland Group called again on XXXX XXXX, 2015, a week after promising me they would not call.
Consumer complaint received 2017-01-26
Product: Mortgage — FHA mortgage
Issue: Loan servicing, payments, escrow account — 
Company: Movement Mortgage LLC (LA)

I took out a XXXX loan on XXXX XXXX, 2017. I hired a contractor that was recommended to me by the Movement Mortgage loan officer. I later found that this contractor was not competent and ruined the foundation of my house. 
I parted ways with the contractor and hired another contractor- which was approved by the lender. The original contractor later filed a lien against my property - which I am fighting. Movement mortgage has now refused to pay my current contractor for the work he has done due to the false lien against my property. I have asked them for loan documentation that states that this is allowed- they have yet to provide any. 
I 'm now in jeopardy of having another lien filed against my property. I would like for Movement to pay the current contractor or provide HUD documentation that they are not allowed to do so. I called HUD and was told that there is no such documentation.
Consumer complaint received 2016-09-29
Product: Mortgage — Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account — 
Company: ASTORIA BANK (NY)

I had a mortgage on a Coop apartment with Astoria Bank and as a result Astoria Bank was holding the Proprietary Lease and Stock Certificate. Upon selling the Coop apartment, Astoria Bank informed us that they had lost the Proprietary Lease and Stock Certificate and sent us an " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease. '' As a result of Astoria Bank losing the Proprietary Lease and Stock Certificate, I had to obtain a new Proprietary Lease and Stock Certificate which cost us {$800.00}. As explained to us by Astoria Bank 's representative at the closing and in Astoria Bank 's own affidavit Astoria Bank is obligated to reimburse us the {$800.00}, which it still has n't done despite my best efforts through constant letters, faxes, emails, and telephone calls. In Astoria Bank 's own affidavit they state " the Bank was the last holder '' and " the Bank shall indemnify and hold harmless XXXX. '' This issue has been outstanding since XXXX of XXXX and today is XXXX XXXX, XXXX, so this simple matter has been unresolved by Astoria Bank for over 10 months. Astoria Bank has been unresponsive to my frequent contact over the past 10 months and they have n't been able to put me in contact with anyone who can help resolve the matter. I 've requested to be put in contact with Astoria Bank 's research department that is researching the matter, their Compliance department and their Ethics hotline but my calls never make it past Customer Service and they tell me that I ca n't reach any of those departments directly to resolve the matter. From my perspective the issue is easy and straight-forward. Astoria Bank was holding documents that they were responsible for and lost them and now they should reimburse for the replacement of those documents. This is all spelled out in Astoria Bank 's own " Affadavit of Lost Assignment Assumption and Consent to Transfer of Proprietary Lease, '' which was issued and signed by Astoria Bank. In addition to sending Astoria Bank their own affidavit stating the facts, I also sent Astoria Bank the paid invoice that I received for the new documents, as well as a copy of the check used for payment. I do not understand why Astoria Bank has continued to drag its feet in resolving the simple matter for so long and why Astoria Bank makes it so challenging to get help on the matter. I suspect that they 're hoping that I grow weary and give up on the matter so that they avoid the reimbursement and steal my {$800.00}. This is not right and it is unethical and Astoria Bank should be reviewed and punished for how it handles this and similar complaints.
Consumer complaint received 2015-04-02
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: A.R.M. Solutions, Inc. (TX)

I have asked this company multiple times for a copy of the contract that they said i signed. I have offered to send a copy of my drivers license to show i didnt sign for or authorize services with XXXX XXXX XXXX
Consumer complaint received 2015-04-01
Product: Mortgage — Other mortgage
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (GA)

I applied for a loan modification through BSI in XXXX. Ileft several messages with BSI including messages to my accountspecialist and the account manager. No one will return my calls! 
When I finally got through to customer service they either hungup on me or put me on hold for an extremely long time. BSI will not acknowledge receipt of my application. I was able to finally get through XXXX and eachtime the representative stated they did n't have my information. 
I have several fax confirmations confirming the package wasrepeatedly sent. I have also been making my payments but BSIrefuses to acknowledge that. Anything Consumer Finance can dowill be greatly appreciated! I do not want to lose my homesimply because BSI refused to communicate with me.
Consumer complaint received 2016-04-22
Product: Mortgage — Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure — 
Company: Servis One, Inc., Titusville, PA Branch (VA)

This complaint is against BSI Financial. I applied for a mortgage loan in XXXX XXXX that took more than 9 months to be reviewed. I inquired weekly to confirm my application was complete, however, BSI failed to communicate efficiently, despite numerous emails inquiring if there was any additional information needed to complete the loan application. This was a very XXXX time due to being behind on my mortgage. I attempted to inform my customer service representative my financial situation [ i.e., income ] had improved since the initial application. I finally received a denial letter, however, it did not provide sufficient information regarding why my modification request was denied. I appealed this decision and never received a response to my appeal. I was advised to reapply and provide updated financial information. I reapplied for a loan modification in XXXX XXXX, this time with a consumer advocate. All the documents were submitted at once to circumvent any delayed delivery. My consumer advocate called several times and left messages inquiring about the status of my new request and no phone calls were returned. Today, I called [ XXXX XXXX ] and requested that I speak with my BSI customer service representative. She came to the phone but opted to call be back. Her first statements were a disclosure indicating that the call was being recorded. I asked specific questions regarding why my original request for modification was denied. The representative was unable to provide any detailed information, despite having my customer advocate and me on the phone for over 40 minutes. My specific request was for the amount of debt that was reported in the initial application and the amount of reported and verified income. I wanted to understand WHY my initial application was denied. When I reminded the representative that I wanted these responses a part of the recording, she quickly ended the call. 

My complaint is specifically related to the following : 1 ) lack of timely communication ; 2 ) failure to respond to my request for a qualified written response as outlined in my appeal ; 3 ) receipt of a demand letter during an active modification application process. 

I have the name of the specific customer service representative who rudely ended the call. I never indicated that I was recording the call. The representative did. I simply restated that the call was being recorded. I believe the representative mistook me to say that I was recording the call. 

I am gainfully employed with sufficient income to pay a reasonable monthly mortgage. I believe this matter needs investigation from the CFPB to ensure my rights are not being violated.
Consumer complaint received 2016-07-11
Product: Debt collection — I do not know
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Stellar Recovery, Inc. (GA)

Stellar Recovery INC is attempting to collect a debt from me that I do n't owe them. I never established a contract with this company and they have reported negative items onto my XXXX and XXXX credit reports which is in violation of the FCRA.
Consumer complaint received 2017-02-03
Product: Consumer Loan — Vehicle loan
Issue: Shopping for a loan or lease — 
Company: BB&T CORPORATION (OH)

I I received several phone calls which were hangs up on there end then I was able to speak to someone whom I told her that I had mailed my payment and he said that that was fine the next day I received a phone call from a woman from regional acceptance Who said if I did not cancel the check that I put in the mail and pay over the phone that she would submit my car for repossession she told me that collection calls would not stop after I asked her to please stop calling that I had already spoke to someone she said if she would stop XXXX that my car would be repossessed and there would be nothing that I can do about it she made a lot of threats that she would take me to court when I asked to speak to the manager she put me on mute and after five minutes she hung up on me before she hung up she said that the repossession person was already on their way it 's my home to pick up the car because it was the first payment and I should not have mailed it although the bill sent in the mail said that I could mail it and also a week earlier I made a promise to pay by mail with a collection representative at regional acceptance and the night before I spoke to a member of the team and he said that my payment was fine that he would notated in the account she said that the account had not been notated and she did n't care my car was going to be picked up when I made the promise to pay I also told the lady that my dealership said that they would defer my first payment of 45 days that did not happen regional acceptance denied it after the fact when the lady called my dealership she said that there was a mixup and that the 45 day the deferment was OK when I told the lady that I would file a complaint with the CFPB she said that the company would sue me because that was a part of my contract for taking out the car loan no to file an outside complaint.
Consumer complaint received 2015-03-20
Product: Consumer Loan — Vehicle loan
Issue: Managing the loan or lease — 
Company: FORD MOTOR CREDIT CO. (NJ)

On XX/XX/XXXX, we ( XXXX XXXX XXXX XXXX XXXX purchased GAP Coverage from Performance Ford in XXXX, NJ for our new XX/XX/XXXX XXXX XXXX XXXX. When finance representative from Performance Ford sold us the GAP Coverage, he suggested to keep it for XXXX year and then cancel the GAP Coverage in XX/XX/XXXX. The primary reasoning for keeping the GAP Coverage for XXXX year was that the market value of our car will be closer to the loan amount after the end of first year, in which case the GAP Coverage wo n't be required. As agreed per our discussion at the time of car purchase, in XXXX, we called Performance Ford to cancel the GAP Coverage
Consumer complaint received 2015-08-23
Product: Debt collection — Credit card
Issue: Cont'd attempts collect debt not owed — Debt is not mine
Company: Eltman Law, P.C. (NJ)

Back in XXXX of 2007 my bank account was levied. At first I thought it was because of my child support that was just put into arrears. I filed a motion to have it vacated because the arrears were being paid out of my pay check. When I received all the proper information it was for this debt that I do n't not owe. Now I 'm receiving threatening letters from collectors attorneys.
Consumer complaint received 2016-12-14
Product: Credit card — 
Issue: Billing disputes — 
Company: Paypal Holdings, Inc (NY)

This concerns PayPal. I ordered a 1 year subscription to XXXX magazine {$64.00}. After waiting almost 3 months and not receiving a singe issue, I contacted PayPal to initiate a dispute. They sent me an email that the matter was resolved with the seller. I contacted PayPal that this is an error and that I had not received the magazine. They got back to me within a day telling me I had canceled the dispute and that there was nothing they could do? 
HELP! This is a SCAM! XXXX
Consumer complaint received 2016-10-27
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: Risecredit, LLC (CA)

I took a loan with rise credit for XXXX and I was unable to make timely payments. I expected to pay it once I received my tax return. However, it went to collections and then a lawyer and they added so many penalties and fees. Now I owe XXXX for a XXXX loan. Now, they are garnishing 25 percent of my paycheck and I 'm already struggling as it is.
Consumer complaint received 2017-03-10
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (CO)

I receive calls 7 days a week, from XXXX.- XXXX from random numbers but same company. At times the calls can be anywhere from 15-30 minutes apart to 1 hour apart. This has been taking place for the last 10 months straight.
Consumer complaint received 2015-08-31
Product: Credit card — 
Issue: Credit line increase/decrease — 
Company: SYNCHRONY FINANCIAL (TX)

I originally purchased living room furniture from Ashley Furniture and the XXXX time my husband reclined in the sofa the back broke off. They replaced the sofa. The XXXX time I purchase a bedroom set the beginning of XXXX and it was delivered ( without all the hardware to put it together ) on XXXX XXXX which was my grandsons graduation day. The furniture stayed in my living room for weeks and had to have a graduation party with it in the middle of my living room not to mention my husband missed my grandsons graduation waiting on someone to come back to move it but never showed up or called. Several people have come to the house on several occasions to put it together still without the hardware and we have had to take off of work each time to meet them. Since then we have had several people come back still without the hardware to put it together. They finally came back with the pieces to put the bed together but still waiting on the peices to put the mirror on the dresser. Bought in XXXX and here it is going on XXXX. I can not get a hold of customer service and the store is not giving me any service or returning my phone calls. I will never buy another thing from Ashley Furniture again therefore I do not want the credit limit increase on my card. Please take it off.
Consumer complaint received 2015-07-17
Product: Credit card — 
Issue: Billing disputes — 
Company: SYNCHRONY FINANCIAL (NV)

HELLO. 
THIS PARAGRAPH IS SUPLIMENTAL TO THE ONE BELOW.ON PAGES XXXX THRU XXXX IT IS CLEARLY INDICATED THAT I WAS CHARGED FOR NOBLE MATERIAL AND I WAS PROVIDED SEMI PRECIOUS.AS SEEN IN THE DOCUMENTS PROVIDED YOU SEE THAT THE XXXX XXXX AGREES WITH MY ARGUMENT.UP TO THIS DAY THE PHYSICIAN HAS FAILED TO PROVIDE THE CERTIFICATION OF ANYTHING ON THE XXXX POST.IHAVE SPOKEN TO THE OTHER AGENCIES AND THEY SAY IN CASE OF INSURANCE THIS WOULD BE A PERFECT EXAMPLE OF INSURANCE FRAUD ; SINCE THERE IS NOT INSURANCE INVOLVED THIS IS DEFINITELY A COMPLETE VIOLATION OF CALIFORNIA XXXX XXXX XXXX AND COMPLETE BREACH OF CONTRACT.I NEED A SERIOUS AND IMMIDIATE ATTENTION TO THIS MATTER PLEASE.WHEN I RECENTLY SPOKE WITH REPRESENTATIVE SHE SUGESTED THET I RESUBMIT THE COMPLAINT. 
THIS LETTER IS TO COMPLAIN ABOUT SERVICES I RECEIVED STARTING XXXX XXXX, 2012. I ORIGINALLY WENT TO THIS OFFICE BECAUSE I HAD XXXX IN MY XXXX. I JUST WANTED THESE XXXX OUT AND REPLACED WITH COMPOSITE XXXX. THIS IS A VERY SIMPLE PROCEDURE. I WAS TOLD THAT I NEED XXXX AND XXXX. AS I WAS IN THESE PROCEDURES DONE I KEPT ASKING ABOUT THE MATERIAL USED FOR XXXX AND XXXX. I GOT I DO N'T KNOW FOR AN ANSWER EVERY TIME. MY ORIGINAL COMPLAINT I WENT TO THIS OFFICE WAS SEMI PRECIOUS MATERIAL IN MY FEELINGS. LATER WHEN I FOUND OUT BY COMPLAINING TO THE BANK THAT THE MATERIAL USED WAS SEMI PRECIOUS AND I HAD REPAIR BILLS FOR XXXX OF THE XXXX I WAS COMPENSATED FOR {$1400.00} PLUS INTEREST THAT WAS AMOUNT OF {$1700.00}. UP TO THIS DATE I HAVE NO IDEA WHAT MATERIAL WAS USED IN XXXX. I HAVE COMPLAINED MANY TIMES THE BANK THAT FROM THE BEGINNING THE CONTRACT WAS BREACHED AND I WAS CHARGED FOR PRECIOUS MATERIAL AND I WAS PROVIDED SEMI PRECIOUS AND UP TO THIS DATE I HAVE NO CLUE WHAT MATERIAL WAS USED ON MY XXXX. WHEN I COMPLAINED TO THE BANK FOR THE LAST TIME I WAS GIVEN A CREDIT OF {$730.00} FOR {$5100.00} $ XXXX THE INTEREST OF 14.99 %. I 'M NOT EVEN SURE IF THIS AMOUNT IS CORRECT. I AM VERY CONCERNED BECAUSE XXXX OF THE XXXX HE HAS DONE NEEDS XXXX AND ANOTHER XXXX XXXX NEED TO BE REDONE. THIS IS ANOTHER CHARGE OF {$3600.00} ON TOP OF OLD EXPENSES THAT HAD ORIGINALLY COST AT LEAST {$8000.00} OF EXPENSES SINCE XXXX OF 2012. PLEASE BE ADVISED THAT CONTRACT WAS BREACHED AT THE BEGINNING AND I HAVE TO HAVE ALL THE XXXX BE DONE AGAIN BECAUSE I DO N'T KNOW WHY I HAVE XXXX IN THE XXXX AND I FEEL DIZZY ALL THE TIME. I AM COMPLAINING BECAUSE I HAVE SERIOUS DIFFICULTIES XXXX ON ALL OF THE TEETH HE HAS WORKED ON.
Consumer complaint received 2016-07-28
Product: Debt collection — Other (i.e. phone, health club, etc.)
Issue: Communication tactics — Frequent or repeated calls
Company: Conn's, Inc. (NC)

Between XXXX XXXX, and XXXX on XXXX XXXX, I have received 52 phones calls from Conn 's appliance in attempt to collect a debt. I 'm not disputing the debt, and intend to pay once I secure finances to do so. I have asked to be taken off of their automated phone cue, as they stated this was the reason for the excessive calls. However, I still receive anywhere from 8-13 calls a day.
Consumer complaint received 2016-10-31
Product: Credit card — 
Issue: Closing/Cancelling account — 
Company: SYNCHRONY FINANCIAL (KS)

I had an account with Synchrony Bank ( formerly GE Credit ) for XXXX XXXX stores which was closed and paid in 2009 but it remains on their system and they say it can not be removed despite the fact that is closed, can not be used and should not be in their database this long. They refuse to remove teh account.
Consumer complaint received 2017-03-14
Product: Consumer Loan — Installment loan
Issue: Problems when you are unable to pay — 
Company: SYNCHRONY FINANCIAL (CA)

In XX/XX/XXXX my family had XXXX immediate family XXXX which left all of us in a position to have to come up with finances to XXXX them. I got behind on all my credit card debts and enrolled in XXXX debt relief. XXXX advised me to pay a monthly amount and they would negotiate the balance and I would make a monthhly payment to them. I was also told no negative report would go to my credit bureau and that it would reflect enrollment in the program and continually paying. However I recently obtained a copy of my credit bureau reports and they show numerous creditors, including Synchrony Bank as a " charge off '' which is prohibiting me from renting a residence, or obtaining decent credit. I contacted Synchrony Bank on various occasions and was told that enrollment in a debt relief program was a positive step and it would not be reported negatively on my credit bureau. All XXXX credit bureau reports show " Charge Offs ''. In XX/XX/XXXX I obtained a consolidation loan and every creditor has been paid in full. I have faithfully paid these debts and want to pay off the consolidation loan in the near future. My credit is ruined with these reports of charge offs.
Consumer complaint received 2016-03-07
Product: Credit card — 
Issue: Customer service / Customer relations — 
Company: SYNCHRONY FINANCIAL (FL)

My identity was stolen and I request to all my credit card to send me paper invoices after many fraudulent charges on different acts I receive charges from Synchrony Bank, for Walmart, BP gas, Sam 's Club, Chevron the Bank in mention just partial statements and if do n't pay the amount request they will report me to the credit bureau and finally they did I told the bank that Walmart was an overcharge almost {$500.00} but paid {$890.00} BP I pay amount request now they gave me credit for over {$250.00} Sam 's Club they send a paper invoice {$420.00} and late charges & interest I request invoices that proof that I owe that money, I call and email then several times without any result after receive Walmart invoices showing that they overcharge my account paid {$890.00} and closed Walmart account because there is not response from them. 
Walmart account # XXXX BP XXXX ChevronXXXX this bank act like pawn broker without regards for a consumer that is trying to improve his credit score please after my bankruptcy of 5 years and before that my payments has been XXXX on time