BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-16
Company: Collection Consultants of California
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My initial communication to Collection Consultants was XXXX XXXX, XXXX, after having discovered this account on my credit report while in the process of buying a car. 
Meanwhile I disputed with CRA 's online. After sixteen days with no response, I submitted a CFPB complaint on XXXX XXXX, XXXX. To date, Collection Consultants was unresponsive to this as well, so I disputed with CRA 's again through the CFPB. 
I sent another letter to Collection Consultants on XXXX XXXX, then again on XXXX XXXX, XXXX, requesting underlying documents from the original creditor, including a chain of title, since I was unable to reconcile this account and amount, and suspect that it is something that was already paid in full by my parents years ago. 
A response from Collection Consultants was finally received on XXXX XXXX, XXXX, in the form of a printout of the itemized account information. I had requested an original itemized statement from the original creditor to review ; the FTC has stated that a " mere itemization '' is insufficient proof to constitute validation of an alleged debt. Per the limited detail provided by Collection Consultants, in fact, it appears that an unknown " adjustment '' was added to the account balance after payments were made, creating a new " balance ''. As of XXXX, XXXX, Collection Consultants recent collection letter has inexplicably inflated the unsubstantiated debt from {$1700.00} to {$2400.00} or {$2400.00}, depending on which letter you look at. 
Further, it seems that CC may not be the first debt buyer to be involved with this account, given the reported assignment date of XXXX XXXX. Incidentally, the original date of assignment to collection is most likely much earlier, according to your records, XXXX XXXX was initial delinquency, yet is being inaccurately reported to appear recent. 
Collection Consultants was requested to document their ownership of the debt, the balance of the debt, the date of the default or last payment, the identity of prior owners of the debt and the name and address of the debtor in the original creditor 's records. In addition, the debt buyer must also have the original contract or a document provided to the debtor while the account was active to show evidence of the debt. 
Please note that, in over 70 days since my initial letter, Collection Consultants has failed to prove that this debt is mine, that it is accurate ( I 've never had Physical Therapy in my life! ), failed to provide me with an original contract made with the original creditor, and has failed to provide me with proof that Collection Consultant 's has a legal right to collect on this alleged debt, as I requested. All collection activity, which includes reporting to CRA 's is legally required to cease until this information is provided. This was not done, and Collection Consultants is in violation of federal and state debt collection regulations.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Wells Fargo refuses to remove incorrect information from an XXXX report. We are attempting to get a home equity loan and the XXXX report shows a mortgage under my name with my social security number This mortgage was closed in 2015. Wells Fargo says its our problem to solve because they cant find the account in their records. Wells Fargo did not remove the mortgage from the XXXX  report This is holding up a home equity loan we are processing with our credit union

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 2022-11-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Portfolio Recovery has continued to report an account on my credit file without verifying with me if the account is mine. This reporting has caused me tremendous stress and resulted in denials of credit. I demand to see a contract that I have signed with Portfolio that proves I have a legal obligation to pay them anything. I also want to see proof of their agreement with XXXX XXXX that gave them authority to obtain my personal contact information and allege I owe a debt to them. I have never done business with Portfolio Recovery and according to federal law, they were to notify me that they were placing this negative information on my credit report 10 days before doing so, and they did not. They also can not provide proof that they have. This company has called and harrassed me constantly. I never gave Portfolio Recovery permission to report to provide any credit reporting agency ANY information about me, especially any negative information. In addition to reporting the negative info, they are reporting different info to each agency. No dispute was EVER resolved with me contrary to this lie Portfolio has communicated. There has been NO activity on this alleged account so how are there any recent reporting dates on it? I am in position to pursue Portfolio legally if they do not remove this from my report

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-06-19
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Problem with a purchase shown on your statement
Sub-issue: Card was charged for something you did not purchase with the card

Complaint:
As of XX/XX/21 I'm receiving spam calls on landline phone. Message says that my Amazon charge card has been charged for $ 700+ dollars for items I did not purchase and directs me to select the numeral 1 for more information. I did not press the phone link. I did check my Amazon account information and there are no charges for items I did not make. I don't know what would happen after pressing " 1 '' and do not want to find out. I have received 3 of these calls today. Phone numbers the calls are coming from is " XXXX and 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 2016-05-18
Company: HEARTLAND PAYMENT SYSTEMS INC
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I have a Federal Perkins Loan. Each year, I submit a cancellation application to XXXX University because I am a teacher in a low-income district. I have been doing this for six years. In XX/XX/XXXX, I was notified that a payment was due to ECSI Heartland and that my loan was now being serviced by them. I contacted them by phone, email, and mail and never received a response. I was given a ticket number by them, and they admitted to me that they did not respond to my claim that my loan is in cancellation. Last month, I was notified by my credit monitoring company that a missed payment was reported by ECSI Heartland. I immediately got in touch with a supervisor and she told me she would handle the negative credit reporting. It has now been three weeks, and nothing has been resolved. My account is still delinquent, the negative credit reporting is still on my account, and no one has been able to answer any of my questions regarding cancellation, including the supervisor XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-26
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
i got the banks response to my inquire that is wrong my situation has changed but the payment should be a lot lower than it is do n't you think look at the high interest you do n't know if the situation has changed or not just guessing but it has changed my brother just got a new job but you see the payment ever drops at all the payment is to high for anyone does matter of any situation thanks

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 2022-11-10
Company: Velocity Portfolio Group
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have consolidated all my credit card debts with XXXX XXXX. I have been paying them for a year or so, until they keep extending my pay off date, I realized they are trying to rip me off so I canceled everything with them. They sent me a cancellation proof and documents, One of them was sent to collection Agency which is Velocity Investments LLC. The name was under my name but the address was not my address. The address was XXXX XXXX XXXX XXXX XXXX XXXX, XXXX CA XXXX. I was hacked years ago, I was a victim of Identity Theft and that address was used by those theft. I have not lived in XXXX California ever. I didn't know I have been paying debts that were not mine thru XXXX 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 2016-02-25
Company: CMRE Financial Services, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CMRE Financial Services of XXXX CA, specifically, XXXX and XXXX XXXX, submitted collection actions to the credit reporting agencies which dropped my credit score over XXXX points and prohibited me from getting jobs as I work XXXX and the collections on my account would make me ineligible for jobs in the industry. I contacted CMRE and they acknowledge that reporting invalid debts is illegal they only apologize and state they will remove them from the credit report. This does n't fix the fact that I 've been unable to apply for jobs due to the collections being on my report. The debts were clearly paid and no longer existed but CMRE did n't do due diligence to ensure the debts were valid and legitimate. They refuse to accept responsibility for their wrong doing.

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 2015-08-07
Company: Receivables Performance Management, LLC
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
XXXX XXXX is utilizing debt collection agencies to attempt to collect for a debt I am not contractually obligated to pay. See previous cases XXXX and XXXX. RPM LLC is the latest collection agency hired by XXXX XXXX to collect on a debt I do not owe. XXXX has not produced a written contract to support their position, however, XXXX continues to use collection agencies as their agents to harass me. We are preparing to file action against XXXX XXXX in XXXX XXXX, XXXX XXXX, Arkansas and I will, without hesitation and great satisfaction be glad to amend said complaint to include the collection agency RPM LLC.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: GREAT LAKES
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
Since XXXX 2016 my loan servicer, Great Lakes, is delaying the acknowledgment of my loan payment by 3 - 5 days causing the addition of more interest to accrue on the account. I called in XX/XX/XXXX and XX/XX/XXXX to address the issue noting that for the last 5+ years prior payments we acknowledged the next day, to no resolution.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: EQUIFAX, INC.
State: DE
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:
This account information do not belong to me. 

XXXX  account # XXXX Balance- {$660.00} opened- XX/XX/XXXX XXXX XXXX account # XXXX Balance- {$1400.00} opened- XX/XX/XXXX XXXX account # XXXX Balance- {$1100.00} opened- XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-19
Company: Commonwealth Financial Systems, Inc.
State: GA
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:
The information that they have sent to the bureaus is not mine. I did not open an acount in 2021 for those amounts or from recent years. They have reported incorrect information to all three credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
On XX/XX/XXXX I received a notification through my credit monitoring service that my Equifax scored had dropped XXXX points. I checked my report and saw no negative chnages to my report. In fact my balances had decreased and I have no new inquiries. I called Equifax on XX/XX/XXXX and was told that there were no changes for my score to drop that much. Then I was asked if I had recently submitted a dispute and I said that I had. The rep I spoke to told me that disputing an item can drop my score. I was not aware that as a consumer I would be penalized for disputing an error on my report. The customer service rep could not give me additional information regarding this. My call was recorded by them and it can be referenced as proof that this is the reason why my scores dropped so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-28
Company: Rowland Avenue Management, Inc. A/KA Columbia Debt Recovery, LLC d/b/a Genesis
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
First off I have never ever been contacted by this collection agency so I never had 30 days to dispute the record. However, my wife has been contacted and they put this account on my credit report. Called the company they say they are collecting for XXXX spoke with XXXX and he told me that they do not lease for the apartment complex anymore and haven't for well over a year however, this debt collector is trying to collect a debt for XXXX that is not valid. They informed me that I do not have a debt with them and they do not even have an account for me and my spouse anymore. I have filed a complaint with identitytheft.gov, now cfpb, ftc and a police report on this company. They know all this information that I do not have an account and never owed this amount nobody can verify as they stated that XXXX could, but after talking to XXXX myself that is not true. They do not have an account for us. They will not reply to my emails or answer my phone calls or respond to communication via mail. They ignore me and will not remove the debt after it has been reported as fraud because they sent me a document with my spouse and my signature which is not a valid document and it has information crossed out like the manager changed some information and that automatically invalidates the form. We did not live at this place when they are trying to bill us for. We moved out a month before what they are trying to bill us for. This company is fraudulent and does fraudulent activity and needs to be sued and a class action lawsuit as there are so many people they have done fraudulent activity to as well. They will not respond to you in any form phone calls, emails or letters via mail if you do not agree with the debt so how do you dispute anything if they will not reply anyways. XXXX even told me that they never sent me any document within 14 days of us moving out because we did not have an amount due and no account left with them after we moved so this debt collector is trying to collect something from whoever took over the apartment leasing which is not who I leased through.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: Reese Law Group
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I got a loan a while back with XXXX, back then I was not able to pay the loan so I called them and ask to take it back. After after months I got a letter that I had a balance with then and send it to collections. I have been paying this lean for over XXXX yrs and it seems I never pay it off. it seems that this lawyer is trying to make more money then what the balance was. I have paid more then what was owed. I had talk to someone and told me that I had paid more that I owed but I was still paying instrest, I need help I do n't know what to do to protect my self. 

I will like for someone to help me get read of this guy and to let them know that I have paid more the enough. My name is XXXX address is XXXX XXXX ca XXXX phone number is XXXX. 

XXXX case number XXXX XXXX # XXXX XXXX CA XXXX 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 2015-05-22
Company: Cedars Business Services, LLC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Please be informed that I, XXXX XXXX XXXX XXXX, was residing in XXXX as an expatriate resident during the period XXXX, during which I was holding a Bank Account under my name with XXXX including a Credit Card. In XXXX, I EXITED the country in XXXX and since then have been residing in XXXX and then in XXXX till date. 

I have received an information on XXXX XXXX XXXX from a company CEDAR FINANCIALS- from one XXXX XXXX XXXX ( email copy enclosed ) who is claiming that I owe the XXXX {$600.00} pertaining to Outstanding Debt relating to a CREDIT CARD that i held with XXXX way back in XXXX? 


I would like to mention that on XXXX XXXX XXXX itself I have asked the claimant to provide me an OFFICIAL STATEMENT of ACCOUNT and am willing to settle this amount provided this is a rightful due.?? Further I have also requested them to provide me an Authority Letter in addition to the above by the Bank Authorizing CEDAR to collect the subject outstanding. They have provided me a xerox copy dated XXXX, however and IMPORTANTLY have NOT provided me a copy of my account statement / other evidences to support this claim.??? 


Finally on XXXX XXXX, I have received another email from CEDAR with a final date of XXXX XXXX XXXX for settlement failing which they are threatening of further legal consequences as below ; 1 ) Legal proceedings in your present country 2 ) Travel ban for anything up to 10 years 3 ) Interest/fee charges elevation due to the time period My complaint & grievance as a EX- CUSTOMER of XXXX is that how come such a reputed bank such as XXXX could resort to appointment of such agencies who do not work purely on business ethics and logic rather than report to other 'COERCIVE ' means that literally amount to ' XXXX HARASSMENT ' of customers without giving any supporting evidence or other document to support such claims.? OR Alternately if this is a scam then it ought to be dealt with by relevant authorities in order to stop this company /representative from harassing me. 

Kindly review this with utmost urgency and clarify ;

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: HCFS Healthcare Financial Services of TeamHealth
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This debt was not mine, I had it removed from XXXX credit reports while it was under the name of a different collections agency. Now, I am getting harassed by a new company called XXXX regarding this previously deleted account. I feel very uneasy about this issue. I was yelled at over the phone, and was told that I am basically a bad person for not paying my " debt '' by the collector. I do not deserve to be treated this way, especially for a debt that I had been cleared of already.

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 2022-11-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
LCI LCI Consumer Center XXXX XXXX. XXXX XXXX XXXX, CA XXXX www.lciinc.com is reporting my bankruptcy records to TransUnion. They have obtained them to Transunion to furnish on my credit report as well as selling my information to others without my consent. This is unwarranted and illegal. I want them to STOP reporting my information to TransUnion and others IMMEDIATELY!!!

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 2023-03-28
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
My Citi bank checking account has been charged service fees many times for not maintaining a minimum balance, however, I qualify waive those requirements with direct deposit and bill pay. I have to reach out to customer service to reverse the fees, and every time they try to dispute. Only when I ask them to read their own policy, do they reverse the charges. I have the resources to spend time fighting these charges each time, but many don't. They are relying on the fact that most customers don't have time or the knowledge to dispute fees like this. It's a drain on my time and their own customer service resources.

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