BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-02
Company: Radius Global Solutions LLC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
On XXXX XXXX I called Central Credit Services LLC to negotiate a debt settlement. The representative and I reached an agreement, of {$1200.00} dollars, and I would pay {$30.00} on XXXX XXXX, pay {$600.00} on XXXX XXXX and {$630.00} on XXXX XXXX. On XXXX XXXX my mother threw me out of the house for reasons that are still unclear, but could be related to XXXX. I notified Central Credit Services LLC, specifically XXXX XXXX of my situation and that I could no longer fulfill the terms of the agreement because of the need to find a residence. XXXX XXXX called me on XXXX XXXX and I called her back to confirm my cancellation and the money would n't be pulled from my account. I wanted to talk to a manager to confirm, then the manager did n't give his name, and harassed me in several ways. 
He said to me that " it sounds like I have the money but I do n't want to pay ''. I do n't have an apartment, and I am sleeping on the couch and sometimes the floor, of a relative, an apartment needs to be the first priority. Why this was a means to a conflict is the XXXX. I told him that I was willing to pay, but that I needed a month to get back on my feet, so cancel the payment in XX/XX/XXXX and move it to XX/XX/XXXX. He was unwilling to do this and told me if I did n't pay I would owe {$1800.00} which is the wrong amount because of the {$30.00} dollar payment. Also he said that he would report me, as refusing to pay. I am not unwilling to pay, but I need a grace period all of my clothes are in my trunk, I am sleeping on the couch or the floor of relatives, I need to secure an apartment. He also cited XXXX legal advice that states my mother ca n't through me out because she did n't give me 30 days notice, I do n't own the property nor do I share it, nor was I paying rent, and I am not a minor, so yes she can. He completely throughout the conversation dismissed my circumstance as trivial.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Risecredit, LLC
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took out a loan for {$3000.00} with Rise Credit ... they told me my payments would be {$270.00} per month. Then they started taking {$270.00} out of my checking acct. every two weeks! I have tried to contact them about this-no answer ... now they all ready charged off my account and I guess it will go to collection? they told me I would have to pay back over {$9000.00} by the end of thils loan ... they need to be investigated as there are a lot of compaints by consumers online about this shady company. please help!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: DriveTime
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a vehicle XX/XX/XXXX from Drivetime ( Car Dealership ) and they are not reporting my pmt history to any of the XXXX credit bereaus because of a prior BK that was closed XX/XX/XXXX. I have since opened other accounts with other companies and they are all reporting. Im trying to rebuild my credit and they promised me that they report to all XXXX bereaus and they lied because THEY ARE NOT.. All i want is for them to report my history with them. Ive made every payment on time and want it shown on my credit reports

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: ACS Education Services
State: MD
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My private student lender sends me a bill with a due date. The bill due date is also on my on-line account, where I pay my bill. I have paid by the due date with on-line payment, and the money has left my bank account, however it is not credited until a week later. I have been reported as late on my credit report, even though I paid the bill by the due date.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: COMMERCE BANK
State: MO
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
My checking account was set up to decline any transactions to include checks, EFTs and debit card purchases when there where insufficient funds. When I went to check my account the other day I noticed that yet again, commerce had allowed these transactions to go thru again even though I had visited the branch the last time this occurred to ensure that this would not happen again. Now there is approximately {$150.00} of overdraft charges on my account the should not have occurred due to the fact that I was assured that it was set up properly to decline any transactions when funds where not available.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I sent a letter to Trans Union letting them know I had been a victim of identity theft years before the accounts had even showed on my credit report and I provided my supporting documents and police reports made about the identity theft and Trans Union refuses to delete the fraudulent accounts from my credit report stating in a letter they will not remove it. Trans Union provided no physical evidence to why they wo n't remove it, according to the Fair Debt Collection Practices Act and Fair Credit Reporting Act they have violated the law and I am well within my legal parameters to file a civil suit along with defamation of character against them. If they do not delete these accounts that are not mine that resulted from identity theft I will exercise my legal rights and file a civil suit.

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 2016-04-06
Company: GULF COAST COLLECTION BUREAU, INC.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
GULF COAST COLLECTIO ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX Phone : XXXX Fax : ( XXXX ) XXXX. 
Dear XXXX : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify GULF COAST COLLECTIO or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : GULF COAST COLLECT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX, XXXX, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: Midwest Recovery Systems
State: PA
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently checked my experian report and noticed that Midwest recovery system located at XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MO XXXX put a collection on my report from XXXX XXXX loan that has been paid off in XXXX. I have not received any information that there was money due and why was there a balanced on a debt i have paid off 3 years ago. I tried calling a few times and could not get anyone to give me answers. The web loan was paid in full in the amount of {$650.00} but on my credit report it says i have a balance of {$800.00} in collection which is frivolous and it date back to XXXX/XXXX/XXXX which is absurd.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
My GAP credit card from Synchrony Bank, was closed by the bank because of non activity. When called to find out why they have done without prior notice the response was it was there in the fine prints in the card agreement. My card is valid till XX/XX/2015. My concern is if some is not using the card this is not a reason to close it. Secondly at least I should have got XXXX prior notice that also not happened. So the bank should have give the card for 24 months if that is the validity. By providing more validity time period they are misguiding the customer. And the customer like me are getting impacted in the credit history. Unlike other card this has this unique feature. So I want people to be aware of this bank card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-17
Company: Dynamic Recovery Solutions, LLC
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Dynamic Recovery Solutions has called my employer multiple times, even after being told to not call again. First call was about 3-4 months ago, and again today XXXX/XXXX/2015. Phone number of XXXX was left. I have checked my credit report and there is nothing on there that is unpaid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-07
Company: National Credit Adjusters, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Nation Credit AdjustersXXXX XXXX XXXX - XXXX XXXX XXXX, Kansas XXXXThis company is harassing me at my place of employment multiple times a day after repeated requests to stop contacting me there. I have never received any written correspondence, nor have they been able to verify any information about the debt, only my home address and an arbitrary account number. The first man I spoke with on the phone told me he was sorry they contacted me and he would have my name removed, but I am continuously receiving phone calls from his associates. They have even gone as far as to leave detailed messages regarding my personal business on our company voicemail that all of my fellow associates have access to. I have paid this in full to the original lender, but they will NOT cease their collection efforts.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Payments to Toyota Financial Services set up by me as auto BANK payments, however TFS has repeatedly charged late fees even though I have bank documentation of the date DELIVERED BY. 
Fees are & gt ; {$35.00} for a monthly payments of {$750.00}. The next month an additional {$15.00} is charged. 
XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-19
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Received the attached letters from FN regarding a check that they debited checking account for {$800.00} due to the check being only for XXXX I verified with my back ( also attached XXXX file and copy of check that the check clearly paid for {$800.00}. I immediately called FN on XXXX ( appx. XXXX ) to report and dispute, I was told that someone will call me back the next day. No one did! On XXXX appx. XXXX I called again. The representative said no notes were there. Find that hard to believe. In both conversations I clearly stated the check was for {$800.00}, and even if the check was for {$80.00} I should have been debited on XXXX I explained to both of the reps that I do n't have credit for the {$80.00} if that was in fact true. I personally do n't think either rep understood. As I looked closer to the documents they sent - I realized another account information in included XXXX - no image of check is included only a deposit ticket. Personally I feel that this it could be another deposit or it 's the batch ticket. In any event I do n't think I should be in receipt of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: Coinbase, Inc.
State: VA
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
Two weeks ago my accounts with Coinbase were locked for some unknown reason. Since then I have attempted to reset my password to access my account and have been unable to do so because Coinbase does not recognize my IP address and after contacting their customer support I have received no response except for an initial email telling me to reset my password, which I can not do as stated above. Coinbase now has blocked my accounts and stopped communicating with me. They are holding approximately $ 16K of my money in Bitcoins.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2015-12-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
she told me and did not give me her name that she can go after me for a 10 yer old debt. i tried to get it settled but the company refused payment told me i had to pay the whole amunt or esle. than sold the debt to another company. which calls me 5 times a day now even after i said no contact

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-25
Company: PRESTIGE FINANCIAL SERVICES INC
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My car was a total loss in an accident XXXX. Prestige Financial accepted the payout settlement from essurance for {$3100.00}. Prestige still falsely charged off {$4300.00} even after we were under bankruptcy protection. I have written Prestige directly and disputed their claims on all XXXX credit bureaus without success. If this does notget resolved our next plan of action is to seek legal counsel and damages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
For the past year, I have been disputing the validity of a debt through Portfolio Recovery Associates. My credit report does not show a past due account with XXXX. On XX/XX/2016 a man who represented as a XXXX County Court process server showed at my residence and gave my spouse a summons of a pending lawsuit from XXXX XXXX XXXX XXXX. I contacted the XXXX County Court and there had been no lawsuit filed. 

I contacted Portfolio Recovery on XX/XX/2016 and I spoke with XXXX XXXX in the legal department. He stated, " I can not discuss this case with you and you need to contact XXXX XXXX XXXX ''. I subsequently left a voicemail for XXXX XXXX, the representative responsible for my case. 

On XX/XX/2016, after receiving no call back from XXXX XXXX, I called XXXX XXXX XXXX again and spoke to a different representative who I told I just wanted this behind me and I would pay off the account even though I believed I did not owe it. I do not want to go through the time and energy that it takes to legally battle this issue. She pressured me into stating for the record that my dispute was resolved. I stated that it was " resolved under duress. '' She then offered me a settlement of XXXX % of the balance. She sent a email to XXXX XXXX to contact me which he did that day. I agreed with XXXX XXXX to settle the debt for {$1000.00}. The original balance was {$1200.00}. He sent me a settlement letter and I paid it that day with my debit card. I have XXXX letters verifying the debt has been paid. 

On XX/XX/2016, I contacted Portfolio Recovery Associates and I was immediately asked to pay {$250.00} on my past due account for XXXX XXXX. I told them the account was n't mine to begin with but I had settled it through XXXX XXXX XXXX. They refused to help me sort out the balance on the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get several phone calls a day at all hours of the day after I had spoke to someone previously about the account being closed by the original creditor. When this was not acceptable I explained my complicated medical complications and offered and settled on a date that they would contact me to settle and close the case by excepting a much smaller portion that would not include late payments or surcharges. I was being charged nearly twice as much as my original debt. This original charge was used for buying prescription glasses for my child.. I could not afford insurance at that time and so buying glasses this way even though I was being taken advantage of was a necessity for my child. I tried to include additional phone numbers they were calling me from but your form only allowed XXXX. I could have supplied you with XXXX more. Again these phone calls are still being made several times a day and all hours of the day with multiple phone numbers.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: IL
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX, # : XXXX, # XXXX, # XXXX, # XXXX, # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy. 

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-08-15
Company: MERCANTILE ADJUSTMENT BUREAU, LLC
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Hello, My name is XXXX XXXX XXXX & I have received numerous of calls from ( Mercantile Adjustment Bureau ). I requested for them to cease & desist all calls to my personal cell # ( XXXX ) XXXX. By the FDCPA a request of no calls on a cell phone is either verbal or written. I verbally made it very clear never ever to call my cell phone # ( XXXX ) XXXX 3 months ago. As of today XXXX/XXXX/2016 at exactly at XXXX I received another call from ( Mercantile Adjustment Bureau ) at XXXX. As I made it clear & stated again never ever to call my cell do to my minutes & a inconvenience to me & my time & they persist to keep calling my cell. I am very furious & presenting a complaint & would like to proceed the extent of a Law Suite on the company. Please provide me with this assistance? I have proof of call log on my cell phone time stamped.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-18
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 was discharged in bankruptcy

Complaint:
Bankruptcy was filed approximately 25 years ago and these were credit card charges. I recently purchased a house in my name and Portfolio Recovery inquiries and phone calls started. No negative credit has been listed on credit reports, but I have paperwork leading me to believe I could have IRS issues. The stress this has created has been unreasonable as I was a homeless veteran finally getting off the streets, and it appeared the fraud they were perpetuating on me was going to stop the process. I did receive a post card in the mail recently that there is a class action suit about these calls, but there has been more than just phone calls in my case and I wish to document this. My identity and history has been stolen too.

Company response to consumer: Closed with non-monetary relief