BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-03-21
Company: TOYOTA MOTOR CREDIT CORPORATION
State: AL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
As on all XXXX of my credit bureaus Toyota motor company has filed inaccurate information on me, they refuse to remove it but under by it 's very name, the Fair and Accurate Credit Transactions Act places new emphasis on accuracy of information in consumer reports. XXXX FACTA sections aim to improve the accuracy and integrity of information as well as give consumers a new right to dispute data included in reports directly with the company that furnished it. These sections are : Accuracy guidelines for financial institutions and creditors that furnish information to credit bureaus. ( FACTA 312 ( a ), FCRA 623 ( e ) ( 1 ) ). 
Ability of consumers to dispute information with companies that report to credit bureaus. ( FACTA 312 ( c ), FCRA 623 ( a ) ( 8 ) ). This information has to be removed or I am going to sue Toyota motor company for false inaccurate information. This needs to be done ASAP. This is a clear volition of the credit act, it was removed from all three bureaus and then placed back on again this again is a violation of the credit act as well

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have asked Portfolio Recovery to validate a collection they are reporting on my credit reports on XXXX/XXXX/16, XXXX/XXXX/16 and they have failed to provide anything that would support the fact that they are attempting to collect on a debt without an agreement or contract. I sent a letter and asked for validation, all I have received from them is just another bill and 2 addition letters saying they wo n't provide additional validation. I have asked them 4 times for validation but to no avail. I told them that I would be reporting them to you but they obviously do n't fear you because they failed to delete themselves or answer questions about the debt ( s ) that they are using to damage me financially. Its damaging my credit and it is important to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-04
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have already filed a complaint against our Service Provider ( Ocwen Loan Servicing LLC XXXX. Supposedly by XXXX XXXX, 2015, everything was resolved and they corrected all the supposed-missed-payments for XX/XX/2015. However, since that time, Ocwen " accidentally '' took away our loan modification and suddenly the entire thing started over ... '' You are in default for the last 6 months '' etc.!!! We are back to square one with this company. The closer we look, the more mistakes and lies and manipulations we find. Meanwhile, my health is suffering and I am experiencing a XXXX XXXX XXXX and am out from work sick. Please see attached specifics and documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
After years of repeating telling Portfolio Recovery to stop calling our number, I finally wrote a letter to them & sent it certified return receipt requested. They rec 'd it XXXX/XXXX/15 & are still calling ( called yesterday ). The letter was from a sample from XXXX XXXX ( consumer advocate ). HELP!!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a card with this company but closed it back in 2002 due to someone using it on XXXX. When I contacted the card company the admired they had mailed a duplicate card to California. I immediately paid the card balance and closed the card, they investigated and mailed me the findings along with the ladies identification and social security #. They also mailed my info to someone by mistake. For this reason I would never open another account with XXXX XXXX. I have informed portfolio recovery but they do n't return calls

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: Performant Financial Corporation
State: WV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Performant and XXXX XXXX ( I read where they are the same company ) keep calling me about debts I do n't owe. Apparently they think I 'm responsible for recent debts my ex-wife ( that I 've been divorced from for 12 or 13 years ) has. Apparently she owes student debt and medical bills, I 'm not sure, I have n't even talked to her in years. I 've REPEATEDLY told them I 'm not her and to quit constantly calling me, I 've had to block their numbers. but they call from XXXX different numbers so far. XXXX was constantly calling too. And they sent a letter. I told them repeatedly that I had no way of contacting her nor did I know where she lives now. They only finally stopped calling after I threatened to file a claim with you twice and telling them to send documentation where it says I OWE. There was another company that called 3 or 4 times a day for a couple months until I repeatedly threatened on my part to report and sue them, ca n't remember their name. Here 's some of the numbers they use XXXX, XXXX, XXXX, XXXX. I 've deleted all the other numbers. I pay my debts, my credit score is XXXX, so it 's getting really frustrating dealing with these people bothering me about SOMEONE else 's debt. Now I 'm worried they 're going to report me to the credit people because I wo n't pay someone else 's debt. I ca n't afford a lawyer, but I am sick of getting calls from XXXX to XXXX several times a day almost every day. Thanks for any help you can give me. 
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 explanation
Consumer complaint received 2015-06-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery is knowingly reporting false information to the credit reporting bureaus. 
Portfolio Recovery bought an account from XXXX XXXX ( XXXX ) and have continued to falsely report it as an open, revolving account. They are not allowed to report it as a factoring account and list a past due balance as an installment loan, nor was this account in good standing when they bought it. This is a collection account. This account has been settled and continuously report inaccurately. After demanding validation of debt, they failed to respond in the required days with the information that was requested, furthermore I decided to settle the account in order to take care of the item in order to be able to buy a new home before my upcoming deployment. This account is further negatively affecting my credit report and score due to this company 's false reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-01
Company: The CMI Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been disputing this account with the credit bureaus for sometime now. Each time they would say that CREDIT MANAGEMENT would verify the debt. So I took it upon myself to ask CREDIT MANAGEMENT for validation of the debt. Are they legally able to collect on the debt? How did they calculate the amount they claim I owe? How do they know I am the owner of the debt? Im curious because I have never done business with them or the original creditor. Well, it has been more than 30 days and I still have not received anything proving the debt is mine. They received my letter on XXXX XXXX, 2021. Here is the tracking XXXX XXXX XXXX XXXX XXXX. I was under the impression that if they didn't respond it would automatically deleted from my credit reports. Silence is being in agreeance. I am sure there is a law that proves it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt is from 19 years ago I have written them letters told them repeatedly not to call me they call me daily very rude and abusive

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-12
Company: American Capital Enterprises, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
There were several disputes back and forth regarding service that were not rendered. A settlement of {$1200.00} was paid XX/XX/2016. They sent a new statement on XX/XX/2016 that they found new charges. I called and they said they just found them. I explained that our account has been settled and paid.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AR
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Representative attorney for Portfolio Recovery Associates LLC in Arkansas revived a seven-year-old default judgement I was not originally aware of ( in XXXX ), by pushing through a quick garnishment ( in XXXX ) without doing the due diligence to contact me, confirm an accounting of the debt, or check whether it was time-barred or even an accurate debt. Apparently they garnished {$500.00} from an employer after I was terminated in XXXX, so I was unaware of this garnishment from my final pay. My credit report is clean going back 12 years, so I see no proof of this debt. I immediately requested information connecting me to the debt, but received no account information from PRA. According to CFPB Consent Order # XXXX, Portfolio Recovery Associates LLC and all attorneys associated with them were charged in XXXX XXXX with the burden of proof to review these old default judgements and move to vacate any that could not be proven when challenged by the consumer. It 's {$2700.00} and there is not XXXX shred of evidence in the court file to confirm the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: Credit Karma, LLC
State: MI
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: Problem with personal statement of dispute

Complaint:
I can't understand why my credit score keeps going down when l have less debt. Why do transition an XXXX  lower my score when one of my credit card had a XXXX balance and now it has a {$2.00} balance my score when down XXXX point an the same with anorher credit card that has XXXX balance which has a max of XXXX Credit karma says because balance increased. I keep my credit card usage under 30 percent. 

My score is lower than when l had total debt of XXXX dollars. 
Am l not supposed to use my credit cards at all? 
Something is wrong. My score was XXXX an XXXX. Now it's XXXX an XXXX. Just because 2 credit card has {$2.00} an {$730.00}. Both under 30 percent

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: CITIBANK, N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016, I accidentally attempted to pay a credit card with my Citi Gold account, which had a {$0.00} balance at the time. On XXXX/XXXX/2016, I was notified that my payment had been returned and was assessed a {$34.00} fee. I then called Citi Bank to close my account with them and was assured that a ) this fee would be waived, and, b ) the monthly fee for XXXX would also be waived, in the event that it took until XXXX to finalize the closure of my account. Little did I know that on XXXX/XXXX/2016, the credit card company attempted a second payment from my Citi Bank account, which I did not authorize. This caused a second returned payment and fee, and prevented the closure of my account. On XXXX/XXXX/2016, I received a correspondence from Citi Bank informing me that my account had finally been closed and that I was " still responsible for paying the overdrawn amount referenced above '' ( {$33.00} ) and that my " account may have been referred to collections. '' It 's very distressing that rather than contacting me directly to discuss a matter that could seriously impact my credit score, Citi Bank chose to send an e-Communication ( not even a personal email ). In summary, Citi Bank promised me that my account would be closed in a timely manner yet they processed an *unauthorized* payment request and refused to waive the corresponding fee, delayed the closure of my account, and referred my account to collections.

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 2015-04-11
Company: CITIBANK, N.A.
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I signed up with an online binary options broker ( XXXX ) located overseas and deposited {$250.00}. Then I learned that the CFTC and the SEC prohibit foreign options brokers from accepting, targeting and marketing to Americans because of the high rate of fraud. I have experienced great difficulty with this broker : altered trading clocks, frozen login, non responsive emails. Just like the CFTC describes in its website. I opened a dispute with Citi Bank credit cards but they denied even though I submitted ample evidence. They took the broker 's response at face value and ignored the fact that XXXX and XXXX are approving transactions involving illegal merchants, which I was unaware of.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX, I received a mailer from CitiBank to open up a Citigold Checking account with a promotional offer of receiving XXXX XXXX XXXX XXXX miles upon completion of their requirements. I signed up for the account using the mailer. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that the promotion was attached to my account. On XXXX/XXXX/XXXX, Citibank confirmed via secure message that I completed all of the requirements, and would be receiving my miles within 60 days. After multiple follow ups via chat and telephone, and investigations being opened by Citi, I have received no response, and no miles. I have also been charged {$30.00} per month for this account that they have seemingly baited/switched me to sign up for.

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 2016-11-09
Company: CITIBANK, N.A.
State: TN
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My husband has a CitiAadvantage Master Card and Visa and we have a XXXX XXXX. 
Everytime we try to use the XXXX card, unless we are in the XXXX in XXXX, it is rejected. I have been embarrassed so many times, including just trying to use it in a convenience store to buy a grandchild a coke and candy bar. The total was {$4.00} and was rejected. Last month we were in the XXXX in XXXX Florida. We had just purchased a second home there and were buying TVs for the new home. We used the XXXX card and very loudly the check out person said " This card has been refused. What do I do? '' Needless to say we were humiliated. We paid with a debit card. In the meantime, Citi Bank called my husband 's place of employment and told his assistant that he was suspected of fraud in purchasing TVs. More humiliation. I called CitiCard customer service. After being hung up on once, and on hold forXXXX+ minutes I was told that our account was blocked because of either bad credit, late payments or overlimit spending. First, I have an XXXX XXXX score, we have never had a late payment and I know it 's not overlimit because we ca n't use it. I was told by a supervisor that they would look into it. I 've not heard back. Now he is unable to use his other XXXX Citi cards. He was in the XXXX store on Monday to buy my Birthday present. He was totally embarrassed when the Card was rejected. When he contacted Citi they said it was a suspected fraud and he 'd have to contact fraud department. He e-mailed them his complaint and received back a reply stating Thank you for contacting the fraud department. We are happy we could resolve your problem. They did n't resolve anything. He 's e-mailed twice more and gotten nothing but form replies. We have been humiliated time and time again by Citi Bank.

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 2016-02-13
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I keep getting monthly statements that say the amount due is {$2000.00} every month. I modified my loan and have not missed a payment thereafter. My payments are {$360.00} per month. I call into customer service and the automated system tells me the amount due is {$360.00}. BUT I still receive monthly statements every month that say I owe {$2000.00} which is very unsettling, nerve racking, and intimidating. I am being harassed by these monthly statements that say the amount due is {$2000.00} every month. I am never able to talk to a live person because it takes so long to get through and they are only available during regular business hours.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: TD BANK US HOLDING COMPANY
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
TD auto reposessed my car, auctioned and recovered in full. I was told no balance was owed to them however on my credit report they are still reporting a balance of {$6400.00} continiusly and now trying to call and collect on the debt that I do NOT owe ...

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
To Whom It May Concern : I disputed these items last month. When I pulled my new credit report today on XX/XX/2021 these items was previously deleted, and now re-inserted my credit report. You did not notify me within XXXX business days that it was re-inserted on my credit report and because of this section FCRA XXXX violation, the account needs to be removed.Send a new credit report to me showing this deletion. 

Thank You, XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF EDXXXX Account Number : XXXX Please delete it from my credit report immediately XXXX. Validate Account U S DEPT OF ED/XXXX Account Number : XXXX Please delete it from my credit report immediately

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: CITIBANK, N.A.
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
( 1 ) I attempted to transfer funds from Citibank in XXXX to XXXX XXXX XXXX in XXXX on XXXX XXXX, 2016. I did so online, and I was assured in that online transaction that the funds would arrive on XXXX XXXX, using the XXXX feature. The aim was to replenish the Hawaii account before an overdraft. ( 2 ) Subsequently, Citibank neither sent email nor telephoned about the attempt. ( 3 ) I received mail from the Hawaii bank dated XXXX XXXX, I learned that the deposit had not occurred. ( 4 ) I then went online to access the history of my account, discovering that the transfer was classified as " Cancelled. '' ( 5 ) I went online again on XXXX XXXX to make the same transfer, and was again assured that the amount would be transferred, this time by XXXX XXXX. ( 6 ) I telephoned Citibank to ask why and I was informed that I had not provided a verification code required to complete either transfer. ( 6 ) While still on the telephone, Citibank then walked me through a process to obtain a verification code for the XXXX XXXX transaction, but to obtain the code I was instructed to hang up, get the code, and enter the code on the website. ( 7 ) I hung up and found three messages saved on my telephone. When I listened to them, they all said that I would have to tap the 1 button on my telephone for the code. In all three cases, pressing the 1 button yielded nothing but a message to tap the 1 button. 
My complaint is ( a ) that while using XXXX, there was no requirement on the website to get a verification code as part of the process, ( b ) there was no Citibank notification, either by email, telephone, or online that the transaction was being held up for lack of a verification code, ( c ) that no verification code was even sent when I tried, ( d ) my XXXX account was not replenished, so I have been billed by that bank {$30.00} for the overdraft fee and {$3.00} daily ever since. 
Remedy : Citibank must pay the expenses incurred for failing to provide adequate information about how to make the transfer.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation