BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-30
Company: M&T BANK CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
We have received multiple unlawful overdraft fees from M & T. We have set up automatic payments for our bills. However the amount does not come out of the account when it is suppose to. The amount is held and taken out of the account weeks after. The bank machine displays the incorrect balance. Causing the account to be overdrawn. As a result of the account being overdrawn the other bills which are suppose to get paid are rejected. The company without authorization tries to take the money from the account multiple times after rejection. As a result the bank charges XXXX for each time the company tries to get the funds after rejection. We were not notified about these fees. The account has been overdrawn multiple times due to the fact that the correct balances were not displayed at the ATM and online. We were told by M & T not to trust the ATM machine or Online balances when we complained. We are also being charged a service charge to our savings account if it is not over XXXX dollars. There was no notification of this matter. We were told that all checkings and savings accounts were free. As a result we have paid M & T bank thousands of dollars in unlawful overdraft and service fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I XXXX contacted Portfolio Recovery by certified letter in XXXX 2015 requesting debt validation including : Name of the original creditor, including account number. 
Original amount owed, including a complete payment history, starting with the original creditor. 
Finally, Documentation that indicates that I agreed to pay someone this sum of money. 
Portfolio responded with a letter on company letterhead with a summary of my name, my last XXXX digits of SSN, balance at date of purchase, and interest accrued since the date of purchase. 
I responded to Portfolio 's letter with a XXXX letter on XXXX XXXX requesting once again for the following information to properly validate the debt : A complete payment history, starting with the original creditor. 
Copy of the contract that states I promise to pay this back from the original creditor. 
Portfolio Recovery 's XXXX response was sending me the same letter originally received. I contacted Portfolio by phone as a final attempt. I was told by the collector that I missed my validation period and they could therefore not provide me with the copy of the contract nor a complete payment history from when the account was with the original creditor. I then asked when did my validation period end. He said it ended 90 days after the account went into collections. I am confused by what he said. I am simply asking Portfolio to provide me the information I requested to complete my validation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
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 repeatedly requested that Portfolio Recovery Associates , LLC / Account Disputes Department provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company continues to report on my credit report after I sent them a letter telling them that this account was not mine and I have no idea what it is or who it belongs to! 

I asked for proof of a signed contract, I asked for a license to collect in my state, I asked for copies of all information referenced for this debt and still to date, I have not received anything but harassment from this company! 

THIS IS NOT MY DEBT! 

I WANT THIS ACCOUNT REMOVED FROM MY CREDIT REPORT AND THIS COMPANY TO STOP CONTACTING ME IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I asked them not to call me they told me that all they will do is put a 14 day hold on the account and then continue the calls and that the only way for them to not call me was in writing. They also said that they sent out a letter for a settlement that i had not received due to not living at that address i asked them to honor the settlement but they refused due to not having in their system that i moved. He told me that he would be able to over ride the system to approve the settlement but only if it showed bad address but their system didnt even though i explained to them i moved 3 years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-25
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collector claims I owe them a debt that they ca n't verify is there 's. They ca n't provide proof of documentation or ownership towards the debts. Never have signed a contract with them saying I owe them an XXXX amount of dollars.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Debt collector for portfolio recovery services continues to call my cell phone about someone else 's debt. I told them they have the wrong number. When I asked how they got it they refused to tell me and told me that my friend gave it to them. He never gave them my phone number. They have used automated dialing systems to call my cell phone without consent. When I called to have my number removed the lady was very unprofessional and rude. I asked for a supervisor and she disconnected the call. I told her I needed her to listen to me and she said " not today ''. And asked me why I was calling about someone else 's account - when I was returning the call they left me. I called back and the supervisor refused to give me information about their company such as where they are located and what is their contact information for corporate. I had to ask several times if it was a debt collection agency before he confirmed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
portfolio recovery bought XXXX charged off XXXX credit card accounts. They then began to report them as current debt on my credit reports, I have never been sent anything from them and would not have even known they were being reported on my credit reports unless I hadnt gotten a copy of my XXXX reports. I disputed both accounts as old debt but my dispute was denied. I have never seen anything from portfolio recovery that I signed nor, any correspondence from them regarding these XXXX old XXXX credit cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-25
Company: Servis One, Inc., Titusville, PA Branch
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My mortgage was sold to BSI Financial ( aka Servis One ) in XXXX 2015. Since then I have asked for XXXX modifications and was denied. Now they have stopped paying my homeowner 's insurance and taxes and have significantly increased the reported balance of my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-23
Company: HOMESTAR FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I obtained a mortgage from Homestar Financial Corp. for {$60000.00} at 3.5 % interest rate. The loan number was XXXX. I made my first payment of {$31000.00} to pay off part of the mortgage on XXXX/XXXX/2016 to Homestar. 

They cashed the check on XXXX/XXXX/2016 and applied only {$660.00} toward the mortgage and then sold the mortgage to XXXX ( account number XXXX ). The balance transferred to XXXX was {$59000.00}. This balance clearly failed to reduce the amount by the additional {$30000.00} they had cashed on XXXX/XXXX/2016. 

After I received the XXXX statement in XXXX and saw that clearly that the bulk of the XXXX payment had not been applied to the mortgage balance transferred to XXXX. I called Homestar and they always transferred me to " XXXX ''. 

XXXX never answered her phone and XXXX or XXXX messages went unanswered. Finally, I told the operator at Homestar that I needed to speak with someone other than XXXX. I spoke with XXXX XXXX and she was helpful in getting us answers even though it was not her Dept. Shortly afterwards we received a called from XXXX at Homestar who did n't know what happened. She finally tracked it down and and called back and told us that she had not known " what to do with the rest of the XXXX after subtracting the XXXX XXXX payment ''. This was now XXXX. She said she would mail it over to XXXX. The additional {$30000.00} ( the remainder from the {$31000.00} we sent on XXXX XXXX ) finally did arrive at XXXX and posted on XXXX XXXX. 

The issue is this. XXXX feels like Homestar did nothing wrong. I pointed out to her that from XXXX XXXX to XXXX XXXX I had to pay 3.5 % interest on the XXXX that I should n't have had to and asked to be compensated. XXXX insisted Homestar did nothing wrong. I then called XXXX XXXX at Homestar and asked that someone from Homestar besides XXXX contact me to discuss this issue. That was on XXXX. As of today, XXXX XXXX, no one from Homestar has contacted me to address this issue. Their lack of reasonable response has forced me file a complaint.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-28
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
We took our XXXX for an emergency but we had to transfer it an emergency hospital and paid the clinic in full. We learned at the hospital that they had lost the blood tests and mishandled the case and told the clinic we did not feel we should be charged. When we got the credit card bill we disputed it and received notification it was resolved in our favor ( see attached document for further details ). We heard nothing until months later we got a letter from a debt collector ( we have filed a claim with you against them already Case number : XXXX ). We called them explained the situation and sent them all the information with a request that they contact us if they needed any further information. Again we heard nothing until months later Identified us about an inquiry which turned out to be a negative report from the debt collector. We contacted Experian and disputed the report. We sent them a complete package of all of the documentation including the paid bill and credit card resolution. They simply sent an inquiry to the debt collector who said the account was valid and had not been paid without reviewing the documentation which showed the debt should never have been sent to the debt collector as the merchant did not respond to the credit card company 's inquiry about our dispute or send us anything once the case was resolved, and the debt collector did not do due diligence when the information was provided to them. We disputed their first finding and they simply repeated the same inquiry which we have now disputed again showing them a perfect credit history except for this XXXX " incident ''. We did the same process with the other XXXX credit reporting services XXXX of which deleted the report after finally reviewing the material. The attached documents have the original payment, the credit card company resolution information and a much more detailed explanation of everything which has transpired. We would appreciate your assistance in getting this negative report removed from our credit record.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: 21ST MORTGAGE CORP.
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I have been without a job for five months and I am trying to make ends meet, I have a counselor whom is trying to help me and the lender, 21st Mortgage, says that I can pay a lower amount for certain time but they keep sending me regular bills eventhought they are acepting the lower payment and I dont believe they are doing it in a good faith, my loan has gone thru problably more than XXXX servicers and there are a lot of things that are not right. They keep telling me that my loan can not be considered because I was in a 2008 bankrutpcy and I included the mortgage on it and I had a XXXX allready but, again, something wrong with this loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-15
Company: Blackhawk Network Holdings Inc.
State: FL
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Unauthorized transactions/trans. issues

Complaint:
Tried to load my prepaid card using the reloadit pak on the website given and constant technical difficulties, customer support was terrible and they saying a refund is 30 days, i need my money as soon as possible.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-16
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: NE
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt collection agency XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, IL XXXX sent a 'dunning ' letter to consumer dated XXXX XXXX, 2015. The envelope was postmarked XXXX XXXX, 2015 and consumer received it XXXX XXXX 2015 which violates the XXXX XXXX XXXX XXXX day timeline consumer is allowed to respond to dunning letter. This is a practice synonymous with 'false, deceptive, misleading misrepresentation ' as it violates the Fair Debt Collection Practices Act ( " FDCPA '' ), 15 U.S.C. Section 1692e. Many debt collectors are adopting this practice as a way to cause consumer a lack-in-time to respond within 30 days and utilizing the timely manner set out by the FDCPA. Not all consumer 's have access to a fax machine. This Consumer takes issue with other factors of the 'dunning ' letter in regards to the fact consumer does not owe XXXX XXXX XXXX XXXX ( or any entity acting on behalf of XXXX XXXX XXXX XXXX ) a debt. Consumer disputes owing XXXX XXXX XXXX XXXX a debt based on the FACT : Consumer has no fiduciary, contractual obligation to pay XXXX XXXX XXXX XXXX anything. There is no payment history, nor products, or services that have been rendered to XXXX XXXX XXXX XXXX, because these elements do not exist ; there is a failure of consideration and no valid agreement, contract or fiduciary obligation under federal law that requires payment to third-party debt collectors. Furthermore, Consumer 's sole ( permanent ) income is Social Security XXXX income which is federally protected income under Section 207 [ 42 U.S.C. 407 ] ( a ) of the Social Security Act ; ( SSA ). Consumer is head-of-household and possesses NO property of value. Consumer 's federally protected income presents a 'genuine issue of material fact '', which will result in a frivolous lawsuit if pursued. Consumer filed this complaint as a means of formal documentation that consumer will " tender '' as evidence in a court proceeding if XXXX XXXX XXXX XXXX chooses to adopt their own agenda and pursue this matter further. Consumer wishes all communication ( mail/telephone/attempted collection ) cease upon notification of this debt dispute reported in this venue. Consumer has added a complaint lodged by another consumer who experienced 'unjust enrichment and extortion ' levied against them when interacting with XXXX XXXX XXXX XXXX. Consumer of this complaint will not engage in contact with XXXX XXXX XXXX XXXX based on violations of the FDCPA, false misleading contact by XXXX XXXX XXXX XXXX. If XXXX makes any attempt to contact consumer on ANY level consumer will file a federal and state lawsuit against XXXX XXXX XXXX XXXX and present documentation to support consumer 's position in this matter. Consumer thanks CFPB for having this venue as documentation. It is greatly appreciated!

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2016-06-10
Company: MS SERVICES LLC
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
Large collection balance with original creditor XXXX XXXX XXXX XXXX for original charged off balance of XXXX. Written notices mailed to address in XXXX and XXXX 2015 did not include notice of rights to dispute or appeal debt or propose settlement arrangements. Debt collectors would not accept money orders or cashier 's checks for continued payment plan, and pushed for series of post-dated checks on large debt. Unwilling to work out settlement with lower interest rates. Letter dated XXXX XXXX, 2015 states " failure to respond by XX/XX/2015 may result in the initiation of asset information review, which may be used by management for the purpose of suit evaluation. This inquiry may include verification of your non-exempt property, funds and/or wages, where applicable, as provided by law. '' At the time of letter this collector had not given any right to cure letter or any certified legal statement that showed court granting of them to take this action. Nor did this statement have any language or heading stating " notice of right to cure. '' This violates Iowa Fair Debt Collection Practices Act that states " a debt collector shall not use.. .misleading.. .means to collect a debt... [ including ] or a representation which tends to create a false impression of the character, extent or amount of a debt, or of its status in a legal proceeding. ''

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-23
Company: Navient Solutions, LLC.
State: IL
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Need information about your loan balance or loan terms

Complaint:
I signed for a student loan for my son XX/XX/2007. I made payments, principle and interest, from the onset of the loan. My son had taken over the payments and last year checked his account to see that his loans were paid I full. He had three student loans with Navient. After the first of the year, I began to get emails from Navient on an old email account that I no longer use. I ignored them because the loans had been paid in full. Then I received correspondence from them and phone calls. It was then that they indicated to me that one of his loans still had a balance over {$4000.00}. I was surprised that in 15 years, we had not paid it in full. The customer service representative I spoke with indicated that overpayments on the account went towards future payments. I did not request that overpayments be applied toward future payments. Whenever I have borrowed from a financial institution or credit card company and have made overpayments, I have always had the extra go toward the principle of the loan. I went to my Navient online account to try to see what happened. My account showed our payments from XX/XX/2007, but the spreadsheet did not include loan balances as payments were made. I made a request to Navient asking for a complete accounting spreadsheet for this loan. They have replied by letter indicating this is request would require extensive time and please narrow my request to a 24 month period. I think I am entitled to a full disclosure of payments made and how those payments were applied to the loan. If Navient did not apply overpayments toward the principle, then they have been charging us interest on monies that have already been paid. Your assistance will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: Crown Asset Management, LLC, Duluth, GA Branch
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
A debt collector put a lien on a old debt on my credit report it expired and is due to come off so a debt collector law firm sent a letter I sent XXXX request of verification of debt and last transaction and nothing. Instead they file garnishment against me on a debt that is approximately 20 yrs old how is that legal and where is my rights as a consumer. the law firm is XXXX, XXXX XXXX XXXX XXXX in 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
Consumer complaint received 2016-02-11
Company: Northland Group Inc
State: NC
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:
I was having installment payments withdrawn from my banking account by the original creditor ( XXXX, XXXX. ) concerning debt in question. 
XXXX, XXXX. has unethically, unfairly, and fruadulently reported unwarranted debt information to Northlands Group Inc. concerning my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-24
Company: CITIBANK, N.A.
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Citibank in XX/XX/XXXX for a {$500.00} promotional offer. On XX/XX/XXXX Citi closed out my checking since my funds were in the savings account without warning or notice. On XX/XX/XXXX I received a letter telling me that everything on my end had been fulfilled for the promotion and I should expect to see payment within two weeks. That payment never happened so I reached out an additional time and Citi re-initiated another research request. I was informed today on XX/XX/2017 that they would not be paying out the bonus even after they told me all of my commitment had been fulfilled. They are saying this is in result to them closing down my checking account.

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