BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-13
Company: Kriya Capital, LLC
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Credence Resource Management whoever this is totally blowing up my cell phone 7 times to be exact yesterday on XX/XX/XXXX for unknown reasons nothing ever received from them. From multiple phone numbers one being XXXX and not leaving a message etc.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
My son wanted to sponsor a bank account for me through his name and bank account at Navy Federal credit Union at XXXX XXXX XXXX XXXX XXXX XXXX XXXX Florida XXXX The bank asked me to send credentials to them to prove who I was and that it was a two-step process and obtaining the bank account I sent the credentials and never heard from them again so I went in and talked to a banker in person she told me that she would not accept any of my credentials and I have a permanent address in Ohio and have a working address in the state of Florida I have credentials for both addresses she told me that she wouldn't accept anything except the address that was typed in when we try to open the bank account which is my daughter 's address and I told my son make sure you don't put any other address except my own because I have no credentials to show if you do she claims we did my son had started to type my daughter 's address because he's staying there and I stay there when I'm working in XXXX I've been living in Central Florida working there also he backed out of it and typed in my central Florida address. 
So I said to the banker I say I can not give you proof of my daughter 's address because I do not live there and she just kept insisting that I give her proof of my daughters address and she said you'll have to give me the driver 's license and everything and her address and I said ma'am I am not living at my daughter 's home and so I proceeded to say just close the bank account and she says will you have {$5.00} in the bank account I said we'll just relinquish the {$5.00} to me and close the bank account and she said well I can't even do that unless you prove you live at your daughter 's address and it was absolutely insane and so I left and I told the sheriff sitting at the desk what they had just done the sheriff didn't do anything either so I'm filing a complaint against Navy Federal credit Union in XXXX Florida. 
XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I am receiving debt collection notices on a time barred debt that was written off by the original debtor 20+ years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-04-11
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Midland Credit has been harassing me with numerous calls a day, even before XXXX, and after XXXX. I get DAILY letters from them in the mail, sometimes more than just one letter, of the exact same thing. This company is nothing but a scam. They call from different switchboard telephone numbers, and I just keep blocking them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-04-08
Company: Optimum Outcomes, Inc.
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Optimum Outcomes Inc is the company. 
Ive spoken with this company multiple times about this collection. 
This is not my bill or collection in any way. 
They told me this collection was opened on XX/XX/XXXX. 
Ive tried to investigate what took place on this date and why is there a bill on my credit report. 
They then told me the collection was opened XX/XX/XXXX. 
The collection is {$540.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-05
Company: Santander Consumer USA Holdings Inc.
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Unable to receive car title or other problem after the loan is paid off

Complaint:
We have made 73 payments on our vehicle. The maturity date was XX/XX/XXXX.  This company is telling us that we still owe XXXX more dollars and sent us a new contract to lower our payments and pay on our vehicle for 2 more years. This company is a predatory lender and are trying to take advantage of us. We are senior citizens and live on a fixed income. We were so looking forward to getting our vehicle paid off in XX/XX/XXXX of this year. Please help us.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Advertising
Sub-issue: Confusing or misleading advertising about the card

Complaint:
Dear Expert Researchers in these kinds of cases, and how harmful it is for a person who is struggling, struggling, to keep his credit score at XXXX. points .... BUT CAPITAL ONE COMES REALIZANDOMEPROMISES AFTER PROMISES, TO APPLY GARANTIZANDOME A CARD, WHEN I DID IT, GAVE ME 3 GREEN CHECK MARK AS PASS. ( APPROVED ) .. THEN I GET A LETTER THAT I FEEL SO MUCH,  AND THAT LITERATURE CLASSES THAT DISANIME ANYONE AND DOUBT THE REPUTATION WITH ME 3 BUREAU. XXXX, XXXX XXXX INCITING, TO APPLY THAT I HAVE A CODE AND NUMBER THAT GUARANTEE MY APPROVAL. BUT THE TRICK IS THAT THEY DO IT FOR THE PERSON TO APPLY AND REDUCE IT XXXX POINTS, OR MORE EVERY TIME IT APPLIES. I ASK CFPB INVESTIGATORS AND HELP ME TO RECOVER MY POINTS IN MY 3 BUREAU XXXX, XXXX, AND XXXX..TX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Experian Information Solutions Inc.
State: MN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
There are fraud items on my credit report, all the other credit bureaus have removed and corrected this information expect Experian although I have provided all the information they requested of me including police report. 

Fraud account ; XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXXXXXX XXXX   XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX XXXX XXXX Opened XX/XX/XXXX XXXX XXXX   XXXX XXXX XXXX Fraud Inquires XXXX XXXX XXXX Inquired on XX/XX/XXXX XXXX XXXX XXXX  Inquired on XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I am a victim of identity theft. The following accounts were opened without my knowledge, consent or authority. I have no idea how the theft took place, nor do I have knowledge of the suspects. I did not receive any money, goods, or services as a result of the identity theft.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
Me and my brother are twin brothers with similar names, my name is XXXX XXXX XXXX and his is XXXX XXXX XXXX and we have similar social security numbers. We have lived together in the past so we have had the same addresses. Our credit information is mixed up with his information on my credit and his social on my XXXX when theyve checked my credit. Ive fixed it in the past and now it is all mixed up again and are unable to locate my XXXX report because of the mix up. TransUnion gives an error code and is not reporting accurate accounts on my credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: GA
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem when attempting to purchase vehicle at the end of the lease

Complaint:
I would like to pay off my car lease. But NMAC/XXXX XXXX has blocked my online account, making that impossible. When it was active, ( before XXXX XXXX closed it ), I deliberately changed my permissions, so Nissan would stop calling me over and over, with people who are such " hard salespeople '', I feel I can not trust and have not given me the whole picture. Since I have cut off phone comunication, NMAC Finance is perfectly welcome to communicate with me in writing through the mail. 
And yet, no letter has arrived. Though I keep receiving unwanted call after call after call. Yes, we have business to complete. It sending late messages to my credit report. Yet it not allowing me to pay. I would like to do that. How can a company hit your credit repeatedly, without even sending a letter about it? Especially over a few thousand dollars. This is ridiculous. People can be ruined while NMAC sits by and believes that debt-collecting houds are a proper way to do business. All I want is for them to contact me in writing and to pay them. In the latest call, I can not even tell if the rep could accurately capture what I was talking about, based on his English. ( And I am very much ok with foreign call centers in general ). 
But I do know that Nissan should not be calling me, and that I WANT to pay Nissan Finance, but Nissan Finance appears to be deliberately making that impossible.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
Hurricane Irma Storm Damage Had to sue insurance company to obtain funds. 
Settlement check was issued out to myself and Fay Servicing Repairs started by contractor Initial partial payment released from restricted escrow account to start pay contractor Fay Servicing wanted inspection at 50 percent completion, but has had multiple excuses why an inspector can not be sent.

Now project is at completion, Fay servicing still has not sent an inspector, states it may be another week and then another week to release funds. 
Contractor was to be pain 1/3 at start 1/3 at middle and 1/3 at  completion. 
Project will be competed but Fay servicing is refusing to send inspector or release funds

Company response to consumer: Closed with explanation
Consumer complaint received 2019-04-11
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been unable to get a credit report from Equifax since the data breach. When I checked into the matter, I was told that somehow an incorrect Social Security number was put on my account, and I could no longer see my information unless the matter was resolved. Their representative wanted me to send a copy of my Drivers License, Social Security Card, and all of my mailing information by fax to them. My account information was already lost due to their data breach, and someone else now controls it. I finally sent the information to them to have the matter resolved, and still no success. Trying to get Equifax to correct their mistake is impossible. All I get is the run around, and the last customer service agent basically told me I was out of luck getting my report corrected by them. Now I found out that my information was found for sale on over 100 dark Web sites, and I have no way to see what is being reported on me by this company

Company response to consumer: Closed with explanation
Consumer complaint received 2018-04-08
Company: Allied Collection Services, Inc. (Nevada)
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov, I've completed and sent a fraud affidavit via certified mail. I can see they received it, but nothing has changed. See supporting documents. Even the USPS tracking.My official complaint is against ALLIED COLLECTION SERVICE. My information was used to obtain an apartment, cell phone, and an auto loan with my ex-partner. I am a victim of identity theft and have put this off for too long. I've completed the proper steps, 1. notify creditors 2. police report 3. informed the state of Texas.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-04
Company: Navient Solutions, LLC.
State: OK
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
NAVIENT/XXXX  are reporting a fraudulent balance. A pass due balance of {$13000.00} and a write-off of {$23000.00}. 

This account was transferred to XXXX more than seven months ago, according to information being reported in the report of XXXX. 

It is requested the credit report of XXXX XXXX reflect a closed status and XXXX balance. 

NAVIENT/XXXX does not currently have an interest in this account, has failed to produce any proof of interest in this account, never obtained any collection agreement - nor collected a single dime, and, has subsequently relinquished the account to XXXX. 

Additionally, the account appear poised to drop off all credit reports about XX/XX/2018. 

This will be the third attempt to get this information corrected through CFPB. The previous two file numbers are : XXXX and, XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-12
Company: National Credit Systems,Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was told that i needed to move out of an apartment complex before my lease was up even though i was on time with my payments. I was told by the office at that time that there would be no fee for me having to break my lease early since my XXXX was why i had to move out. I have tried to get a rental since then and i can't because there is a XXXX collection from the apartment complex on my credit report. I have tried to resolve the issue but not gotten anywhere and i need a place to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: Paypal Holdings, Inc
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently opened a business account with pay pal to collect fees for my youth soccer team. After receiving over {$200.00} in payments from parents I attempted to cash out to pay for a tournament. I received a message that my account was on hold because they are matching me up with an account for which money is owed. I have attempted several times to get information on the balance owed and I am just being told they can not disclose that information because of security reasons. So they just want me to blindly pay this amount and refuse to tell me what it is for. I need help resolving this and Pay Pal will not help. I do not know what to do.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I XXXX XXXX intend to secure my right to privacy and Portfolio Recovery Associates, LLC breached my privacy pursuant to the Fair Debt Collections Practices Act. 

I demand they remove my information from their website, company records, or any and all derivatives therefore, of, and/or with any affiliates to ensure my privacy rights won't be violated again due to my lack of consent. 

I demand Portfolio Recovery Associates, LLC shows good faith in this matter by expediting the securing of the alleged information listed on their site in order to avoid me receiving further injury, damages, mental anguish, and losses due to their clear violations of 15 U.S. Code 1692.

Portfolio Recovery Associates, LLC used false, deceptive and/or misleading representation or means in connection with the collection of an alleged debt. This is a clear violation of 15 U.S. Code 1692e.

Portfolio Recovery Associates, LLC was also in violation of 15 U.S. Code 1692b ( 2 ), 15 U.S. Code 1692b ( 5 ), 15 U.S. Code 1692d ( 2 ), 15 U.S. Code 1692d ( 1 ) in their communication with the consumer XXXX XXXX. 

Portfolio Recovery Associates, LLC willfully and knowingly failed to comply with multiple provisions of 15 U.S. Code 1692 and are in fact civilly liable pursuant to 15 U.S. Code 1692k.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-28
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I checked my report and noticed late payments reported for the Home Depot card through CBNA. I never received a bill in the mail. I relocated and my mail has been having issues ever since. I have not received mail from USPS in three months. They have an ongoing mail case open and trying to track it all down. If you look at my history, I never once paid late.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-28
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I checked both my XXXX and equifax reports and noticed a significant decline in my fico. I checked the details to see a XXXX XXXX / XXXX XXXX account that does not belong to me reporting late. That account is not mine and I have no responsibility for it. The account owner, XXXX XXXX, removed me as authorized user in XXXX. He has been incarcerated since XX/XX/XXXX and the card is being used fraudulently by other individuals.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-23
Company: BARCLAYS BANK DELAWARE
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I have Barclays Credit Card that I regularly make payment to through my bank 's bill payer service. I have made regular payments for the last 2 years without a hitch. However, in XX/XX/XXXXof this year, I started receiving telephone calls from the customer service department of Barclays demanding payment. I explained to the individual that my payment was sent via my bank as I have done for the past 2 years. Every 2 weeks since I have received calls asking me to pay the minimum due. I explain to the rep that I have made the payment as I have previously done, so please check you records. I have submitted information from my bank showing that payments were sent and cashed. My bank also sent Barclays a copy showing the checks sent were cash. On XX/XX/XXXX I  received a letter in the mail stating that my account is delinquent and my account was canceled. I called Barclays immediately and after explaining my issue was left on hold until there was no dial tone on the line. I called back and in an effort to minimize the conversation, I asked the new rep to review the notes. She was able to locate the prior notes but notice no movements on the case. I have made 4 payments since the beginning of the year totaling {$3000.00}. There 4 payments in total but they have only credited one to my account. They have cashed all 4 checks and both I and my paying bank have provided proof the payments were sent and cashed. I called again today, XX/XX/XXXX, and went over the entire experience with the CSR yet again. After the phone call, I called my bank to confirm once again that the latest payment was sent and cashed. When I called Barclays back, they couldn't even locate any notes from my prior call. I am concerned that they have misappropriated {$2600.00} of my money and are reporting negative information to the credit bureaus.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-12-01
Company: Consolidated Recovery Group, LLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
My identity was stolen and a credit account was open in my name, i ask consolidated recovery group to remove the negative item from my credit but they wont comply

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation