BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-04
Company: Bliksum, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
A legal representative from " loanme '' XXXX XXXX called an associate of mine XXXX XXXX on Thursday XX/XX/2017. The representative called in regards to case number XXXX. XXXX XXXX left a return number XXXX to be further contacted. After learning of this call I attempted to make contact with XXXX XXXX on Friday XX/XX/XXXX. After placing the call I was in direct contact with " XXXX '' a legal representative directly. I was informed that there is a small claims case against me in the amount of {$6000.00} and that the case was formed against me after negligence of payment on my account. I was told that unless I pay restitution or that I would be counter sued for the amount owed. The representative claimed their law offices have contacted my former employee, associates, and conducted a background check into my finances without my knowledge. The actions were justified as a means to establish " credit worthiness '' with the law office. I was then told that I received documentation and notice of the pending law suit against me. I informed the representative that they had no legal right to conduct a background check or any further actions against me without my knowledge, to that they replied they were legally covered and justified due to my contractual agreement. I have not received any documentation or notification of a legal case against me. Also Over the course of my line of credit with loan me they have called me numerous times daily attempting to collect payments. I would receive anywhere from 10-15 calls daily from random phone numbers nation wide until I would answer the call. I have requested numerous times to not be contacted excessivley and that their practices are a violation of my rights and privacy, but to no avail. The account from loan me has not been placed on my credit or placed for collections I discovered yesterday XX/XX/XXXX after checking my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: PNC Bank N.A.
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
My original bank ( BBVA ) was acquired by PNC and the info on file did not transfer over correctly, which has left me without access to my account. I was told by a rep that there is NO credit card account under my ss number. I know this to be incorrect so I had been making payments via paper statements. Once those stopped coming in, I went to a physical bank location and was told that the SS # on file did not match mine. I submitted a copy of my ss card, as directed by the bank mgr, but it appears that my credit had been rerun on XX/XX/22 WITHOUT MY APPROVAL. Months later and the issue has not been resolved and I still do not have access to pay my account. 
Due to all this, I have not been able to make my payment. I have no physical way of paying, it was not due to lack of trying. My account is currently showing as late but this issue lies with the bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-13
Company: GATEWAY FIRST BANK
State: NM
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Letter dated XXXX XXXX 2021 Gateway Mortgage a division of Gateway First Bank is charging {$460.00} to close or wave the escrow account on my mortgage. They are holding money I paid to them for annual insurance and county property taxes. To allow me to pay these annual charges myself they are requiring I pay nearly {$500.00} to stop prepaying these insurance and tax amounts. I have reviewed all the closing documents at the time of the loan initiation and can find no mention of this excessive fee. This predatory practice by a large corporation has no basis or merit for such an excessive charge other than to dissuade the consumer from taking these funds from Gateway and keeping them in their own bank account!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-28
Company: North State Acceptance, LLC
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: Information belongs to someone else

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX XXXX  Hide Details XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX   XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  # XXXX XXXX, VA XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Ct XXXX XXXX, GA XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MD XXXX ( XXXX ) XXXX Factual Data : :XXXX XXXX  XXXX Hide Details XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , PA XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX , SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX Virginia XXXX , VA XXXX ( XXXX ) XXXX XXXX Hide Details XX/XX/XXXX Creditor Contact Information XXXX  XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX , FL XXXX ( XXXX ) XXXX XXXX   XXXX XXXX XXXX : :XXXX XXXX XXXX  Hide Details XX/XX/XXXX XXXX XXXX XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX, FL XXXX ( XXXX ) XXXX XXXX XXXX   Hide Details XX/XX/XXXX Creditor Contact Information XXXX XXXX  XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, TX XXXX XXXX XXXX ) XXXX XXXX XXXX XXXX Details XX/XX/XXXX Creditor Contact Information XXXX XXXX XXXX XXXX XXXX XXXX, FL XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: CITIBANK, N.A.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I need your help to stop this deceptive practice and fraud from Office Depot, I had request to cancelled the service but the charged continually to add on to my account in my name. 
I paid my bill in timely manner and pay as agreed. For the service to start I must pay in advantage otherwise the service will not be provided. When I request for cancellation the charge should be stop, and not giving accused for back pay for fraud profits. I called and spoke to XXXX on XX/XX/2020, XXXX she insisted that I still owned Office Depot back in XXXX & XX/XX/2020. ( see attachment ) Office Depot continue to send me monthly bill with late charged and interest that I didnt owned. Please help me stop this deceptive practice and fraud that continue on, and on. 
I need your help, this type of fraud for profits must be stop, I am looking forward to hearing from you and thank you for your help and understanding. 
Sincerely,

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 2020-06-14
Company: BOK FINANCIAL CORP
State: NM
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I made a cash for keys settlement with the bank of Albuquerque through there attorney, me and a state anointed foreclosure prevention guide. This settlement was completed inXX/XX/XXXX. I have repeatedly tried to endure this information was processed at bank of Albuquerque and their attorneys office yet since XXXX of XXXX Im still being penalized in my credit report as owing a debt which I do not!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CITIBANK, N.A.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citibank targeted me with a sign up bonus promotion of XXXX Thank You points for enrolling in their CitiGold checking account service. I completed all the requirements to receive this bonus, but now I am being denied this request. I have documentation from them that I have met the sign up requirements, but their latest communication to me is that I am not eligible for the bonus.

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 2016-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had a credit card with XXXX. The credit limit was {$400.00} ; XXXX would not allow credit beyond {$400.00}. I honestly doubt that I had reached the credit limit when the account was closed. Never the less, Portfolio Recovery Associates is reporting that I owed a balance of {$690.00} on the account. They have failed to provide proof as to how my balance became {$300.00}. over the credit limit. Another issue I have with this company is that they are reporting this as an open account from XXXX ; when the truth is that this account was charged off in XXXX. 

I 've disputed this info with all three credit bureaus to no avail. XXXX, XXXX and XXXX is allowing Portfolio Recovery Associates to omit payment history and other pertinent info from the XXXX account which would clearly show that this debt arose in XXXX, not XXXX and the true balance. Because the agencies refuse to do a real investigation and require full/ accurate reporting, I decided to try to resolve my business with Portfolio Recovery Associates by making a settlement. 

Portfolio Recovery Associates and I agreed to settle the debt ; at which time, I paid {$380.00}, in XXXX XXXX. It was agreed that the {$380.00} dollars was the full and final payment of the debt. Notwithstanding our agreement, Portfolio Recovery Associates is still reporting the debt as an open account with a balance. XXXX credit bureau is still reporting a Balance of {$690.00} ; others are reporting a balance of {$310.00}. To add insult to injury, Portfolio Recovery Associate is reporting that balance as a " late/ missed payment. " I would like to know if it is legal to continue reporting that an account has late or missed payments when it has been charged off and settled for a lesser amount. 

I feel like this company has broken the law and the three credit bureaus have violated my rights under the fair reporting act. I can not let Portfolio Recovery Associates keep misrepresenting the nature, balance and time frame in which this debt occurred. Is there any way that you can send me a copy of the fair credit reporting act in its entirety? If I ca n't get any resolution here, I 'm going to have to take these people to court. They are purposely trying to destroy my credit with lies and no one is doing anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-21
Company: NCB Management Services Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
ATTN : XXXX XXXX CEO at XXXXXXXX XXXX has taken adverse action against me, with forethought and malice, by furnishing inaccurate and knowingly false late payments to my consumer report without my lawful authority. This adverse action as defined under 12 CFR 1002.2 ( c ) ( 1 ) ( i ), which has the same definition as 15 U.S. Code 1691 ( d ) ( 6 ), has negatively affected my ability to extend credit and operate in commerce. Congress makes it clear that causing a restraint of trade or conspiring to cause a restraint of trade, pursuant to 15 U.S. Code 1, is declared to be illegal to and carries both civil and criminal penalties. My right to privacy and my right to know where and how to direct the disclosure of my nonpublic information in accordance with 15 U.S. Code 6801 ( a ) of the Gramm-Leach Bliley Financial Protection Act, has been violated.

I am aware that not excluding transactions between, I, the consumer, and the creditor is a violation of 15 U.S. Code 1681a ( 2 ) ( A ) ( i ). The consumer reporting agencies were not exercising their grave responsibility in respect to impartiality when furnishing this false and misleading information to my consumer report. Reasonable procedures were not taken to insure the accuracy of the information given by XXXX XXXX CEO at XXXXXXXX XXXX before furnishing it. This shows that the consumer reporting agencies have shown bias towards me because I never gave my lawful authority for any consumer reporting agency or XXXX XXXX CEO at XXXXXXXX XXXX to furnish any late payments to my consumer report. It is my belief that due to XXXX XXXX business relationship with the consumer reporting agencies, ( such as XXXX, XXXX, XXXX ), they parrot any information given to them as a means of coercing consumers to pay extra fees for debts that they allegedly owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: Experian Information Solutions Inc.
State: NV
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 accounts on my credit report that isn't mine. I reported this already and it's stills showing.

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 2016-05-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This CRA did not forward all my documents to the original creditor and ignored my efforts to get proof how they complied with The FCRA 15 USC 1681 623a7 and Utah law 70c-c72016, If this was complied with I would have known in advance these mistakes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery Continues to call at approximately XXXX XXXX even though I have 1. Identified myself 2. Told them to put me on their Do Not Call List. This is at least the XXXX time they have called AFTER I told them to put me on The Do Not Call List. They never leave a message. I only know it is them because my landline stores all my calls on my Caller ID. Whatever debt I may owe is close to 7 years old and is soon to be removed from Credit Reporting Agency Reports. This alleged debt has ballooned from approximately {$400.00} to approximately {$2000.00}.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-02-19
Company: PNC Bank N.A.
State: PA
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
The creditor XXXX has been reporting false and inaccurate information regarding old student loan debt to all three major credit bureaus. After filing initial claims against their reporting in XXXX, the creditor sent threatening letters stating that payment was due immediately or that I would be sued in court for the debt. When I disputed their claims again they sent a threatening letter demanding that I file a police report regarding my claims or to risk legal repercussions regarding the debt. More recently on XX/XX/XXXX after speaking to the creditors Loan Representatives to dispute their claims and requesting payment and billing information which was refused to me, the creditor is now furnishing even more false and inaccurate information with the three major credit bureaus intentionally to damage my credit standing. One agency as dropped my credit score XXXX points do to the negative/false inaccurate information. The accounts managed by this creditor is closed, but they have recently begun reporting the debts as open and with current missing payments. This reporting status means that the creditor is attempting to collect a debt in direct violation with the Department of Educations Pause on Student Loan collection, which covers defaulted student loans. This is also a violation of the stop collections protections given under the borrowers defense to repayment claim which was filed on this loans by XXXX. The accounts are also listed as charged off but theyre still carrying a balance. This creditor has also violated FCRA and FDCPA consumer protections in their reporting and attempts to collect on the alleged debts. I ask that XXXX be reprimanded for these actions and practices under applicable laws. I also request that this creditor remove all accounts/information regarding this inaccurate debt with all credit bureaus immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NV
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 accounts on my credit report that isn't mine. I reported this already and it's stills showing.

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 2022-10-03
Company: National Credit Systems,Inc.
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I saw an inaccurate collection on my account from National Credit Systems. I contacted them and let them know I never lived in those apartments or cosigned for XXXX XXXX. I also let them know I did not know this individual. They said they didnt have record of it. I was living in Indiana during the time they are charging me for this debt in Georgia. I keep getting the run around from National Credit Systems and the Original debtor XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I receive collection notice from portfolio recovery associates, llc in which i have never done business the original creditors is listed has XXXX which i have never done business has well i receive a letter from portfolio recovery associates, llc with copy of bill from XXXX which does not validated a copy of bill does not substantiate deb.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I wanted to pay off my lease. So I went to the website and I got the payoff figure. I was instructed to call the hotline to make a payoff. After calling them, they could not give me specific instructions on how to payoff my lease. They said to go to the bank and have the payment wired. They could not provide me a reference number to wire the payoff funds. They said the bank would know where to route it. I said I was uncomfortable with this approach.Then they said to go to the dealer. I went to the dealer and the dealer stated that they do not process payoffs and I needed to go through TFS. I called TFS again and they instructed me to make a payment online. So after calling TFS again, they said to make a payment instead of my normal reoccurring payment. I submitted a lease payoff payment of {$30000.00} on XXXX XXXX and it cleared my bank account on the XXXX. I called to follow up on the XXXX and they advised that I needed to fax documentation in. This was never told to me in any of the conversations with TFS. So I faxed the documentation in, and I went on to the website and now it shows I owe 2 months payments and I have concerns that I will be reported to the credit bureaus. I followed up again on XXXX XXXX and I was told that XXXX page of the document was n't received and they needed that page sent in. I sent it in that day and followed up today. Today I was told that a different document was missing and the payment was returned back to me. I then pushed to speak with a different person and they said they have received my payment and they have all of the documentation required. 
My concerns are as follows : - I sent in money and they received it- No one contacted me to provide any paperwork - When I sent the paperwork in, no one contacted me to say they received it or that they were missing anything - Once my money and the first instance of paperwork was received, I believe my account should have been frozen with no more payments be required until further notice. At the very least I should n't have to make the full monthly payment. I am currently late {$880.00} on a $ XXXX payment. 
- Each time I contacted TFS they had little to no idea how to process a payoff, what was going on with my account, and how to handle it. 
- I had to spend at minimum 30 min but up towards an hour on each phone call. I made at least XXXX6 phone calls just to payoff my lease.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Kohl 's department store continues to contact me numerous times each day, and no matter what they leave voicemails that repeatedly disclose that they are trying to get a hold of me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-19
Company: Paypal Holdings, Inc
State: NY
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
I used my venmo app on my phone to send XXXX to secure a purchase. After I sent the money I noticed it charged my account three times. I called and sent notice to venmo the same day. The insured me that it wouldn't be a problem, and they would handle it. Well today they sent me an email saying that they can't do anything about it. This was on XX/XX/2020. 
Transactions from XXXX XXXX XXXX XXXX. My name is XXXX XXXX XXXX. The person who received this money is not answering the phone. 
@ XXXX Last 4 digits of phone is XXXX

Company response to consumer: Closed with explanation