BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Portfolio Recovery Associates, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX Virginia XXXX, USA XXXX ( XXXX ) XXXX continues to call me for some unknown reason looking for XXXX XXXX although I 've told them a XXXX times I do n't know any XXXX XXXX and I 've asked them to stop calling me - Best I can tell their running some kind of illegal operation and may be involved in some other type of federal crime and should be investigated to the fullest extent of the law - The number their calling me from now is XXXX XXXX XXXX and their a lying XXXX if their feed you any more XXXX about not contacting this number.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Collection showed up on credit file for a debt paid in full. Portfolio Recovery has purchased junk debt in the past which has also been removed from my credit file already.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: TOYOTA MOTOR CREDIT CORPORATION
State: OH
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
We leased a XXXX XXXX from XXXX XXXX in XXXX, OH in the year XX/XX/XXXX. The Owner of the vehicle was my friend XXXX XXXX. I was the co signer. We leased the vehicle for XXXX total years and always made payments on time. The lease worked in a such a way that, We could pay the rest amount of approximately {$8100.00} at the lease end and own the vehicle. After the XXXX years however, XXXX XXXX and Toyota Motors together warned and requested us to drop the car off and the Customer representatives with XXXX confirmed with me that I would not owe them any money after I did so. We wanted to buy the car for the rest {$8100.00} in balance but they did not let us do so. After some time, XXXX let me finance another XXXX XXXX as a single Owner ( XX/XX/XXXX XXXX XXXX, Present Owner ), But reported a {$8100.00} balance to the credit report agencies as a debt I owed them for the earlier car I leased and returned. 
Toyota financials and XXXX XXXX acted unethically in a malicious way treating their loyal customers by not letting us buy the car and reporting a balance I did not owe them. I emailed XXXX XXXX back in the day to own the car for remaining balance of {$8100.00} but they never replied as they intended to make more money from me and by also retaining the car. They did not try to help me out. I had so many problems because of losing the car and having a derogatory remarks on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-15
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:
I get contacted all the time for a debt for a Credit card I have never owned. I never owned a XXXX XXXX card. The person they are looking for is XXXX XXXX and I do not know this person. But they follow me when I move. I have been threatened in the past, and gotten threatening calls saying they would contact XXXX. I do not know this person, and my wife and I are the only ones who live together. But they look for this person wherever I move. It is clearly identity theft of some sort.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Hello, my name is XXXX, An account was opened back in 2011 with XXXX XXXX XXXX Bank back, it was a result of ID theft, and the account was later charged off to Portfolio Recovery Associates , LLC, anyways XXXX XXXX ( Now XXXX XXXX ) has done an investigation and decided it was a result of fraud, and they have removed their tradeline from my credit reports, but Portfolio Recovery Associates , LLC refuses to remove their collection tradeline. I will attach a scanned copy of the letter they have sent me confirming the investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I recently discovered the alleged debts being reported on my credit report from this company. As I did n't recognize the debt I mailed this company a request for validation. The company has not provided me with validation and continues to report the accounts on my credit report still.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Hi, They continue to call after telling them to stop calling. Has sent dispute letters without response. The debt date continues to change, which is aganist the law. The debt should be no longer valid but the date continues to change. Very harassing!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
PORTFOLIO RECOVERY ASSOCIATES XXXX XX/XX/2012 I recently received a copy of my XXXX credit report. The credit report showed a credit inquiry that I did not authorize. I have previously disputed this item and it was removed from my credit. I understand that you should n't be allowed to put an inquiry on my file unless I have authorized it. Please have this inquiry removed from my credit file because it is making it very difficult for me to acquire credit. 
I have sent a letter certified mail because I need a prompt response to this issue. Please be so kind as to forward me documentation that you have had the unauthorized inquiry removed. 
If you find that I am remiss, and you did have my authorization to inquire into my credit report, then please send me proof of this. 
Thanking you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Khols claimed I owed them {$260.00}. I paid off my credit card and tried resolving this with them.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: TN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
I have applied for a student loan income based repayment plan 3 times with Navient from XXXX - XXXX 2016. Each time, I sent the appropriate completed forms and copied pay stubs so they would have all information. After the XXXX time and the XXXX time, they said they never received anything. After the XXXX, I 've had no response at all. I ca n't get anyone on the phone. They respond to emails with generalized statements not related to questions. They never respond to mail. Meanwhile, my student loans are practically in default and I 'm at risk of having pay garnished, which would be financially devastating to me. This company is terrible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Bread Financial Holdings, Inc.
State: FL
Product: Credit card
Issue: Late fee

Complaint:
Opened a credit card with Comenity Bank. Charged {$14.00} then returned an item totaling {$8.00}. Never received a credit for the return. Have been charged over {$50.00} in late fees since XXXX 2016. Called the bank several times said they will not stop the late charges while this amount is in dispute. Closed the charge account. How can I get them to credit these late charges or stop charging me late fees? Thank you for your help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-15
Company: Pendrick Capital Partners Holding, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Affiliate Asset Solutions Dept Collections called and wanted payment now for {$630.00} for a XXXX XXXX, 2014 ambulance bill from XXXX XXXX XXXX. They would not give us an address, except XXXX XXXX XXXX, Georgia. We did not pay them. We called XXXX and were told we do not owe any money and they do not use this depth collection service. I think this is a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: Experian Information Solutions Inc.
State: CA
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:
My right 's have been violated in accordance with the fair credit reporting act.

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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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:
My right 's have been violated in accordance with the fair credit reporting act.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: VW Credit
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I recently paid off my auto loan Volkswagen Credit. At inception of the loan, I was required to send Volkswagen the Ne York title to my vehicle securing the loan. At pay off, I received a letter from Volkswagen Credit stating that I must go to my local Department of Motor Vehicles to obtain a free and clear title, but they did not send me original title back. I do not believe I need new title under New York law but all I need is the original title and the XXXX Lien release document to prove my title is free and clear if I wish to sell the vehicle. By not providing me with the title, Volkswagen credit is causing me to incur undue expense of taking time of work and cost of a replacement title when this is not necessary. I want my original title back to my vehicle from Volkswagen Credit.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-24
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have auto insurance, banking, and a homeowner 's policy with USAA. I am a XXXX vet who has trouble with short-term memory ( service connected at 90 % ). Last XX/XX/XXXX ( approximately ), my auto policy became wonky and there was some misinformation going back and forth. I spoke to someone in XX/XX/XXXX as I got a notice of cancellation. She helped me square things away, and stated the policy would not cancel after I made a payment over the phone. She also helped me change the billing date to XX/XX/XXXX, and explained the payments would be about XXXX per month. A week later, letters started arriving about cancellations, forcing me to pay the full policy up front, lapses in coverage, etc. I continued to make XXXX a month payments as I gave up. On XX/XX/XXXX, I opened up a XXXX Auto Policy and sent a letter to USAA to cancel my auto. I called today and was told my policy was cancelled for non-payment. 
Here 's where it gets worse. I tried to log on to access my bank account and my homeowners policy, and the system would not allow me access to these XXXX current accounts, stating I must call due to an issue. I called and was transferred to many people, and in fact XXXX of these folks refused to help ( especially a male in the banking side who forwarded me without helping me out ). USAA, who says they care for our Vets, do n't realize that XXXX and frustration do not help us out and that I was extremely XXXX after being passed around like this with many people in different departments. 
I told them, all I want is to access my bank account as it is XX/XX/XXXX. They told me in order to access my banking, I would have to go to the auto side and pay the XXXX payment for an outstanding balance ( which I disagreed with ). 
I went ahead and made the payment, so I could gain access to my bank account. After the payment was made, I was then told I still ca n't access my bank account until the payment clears, but after checking with the manager she came back and said it refreshes after midnight. I asked why I can not access my bank account as this is separate from the auto insurance division. I even went as far as stating that this is ransoming my financial product ( by stating they were kidnapping my account ), which I understand is a silly statement, but was said out of frustration. After 65 minutes on the phone, the only thing I have is a paid account ( which I do n't owe because I gave them the date of my Progressive policy ), and still no access to my bank account.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-16
Company: Santander Consumer USA Holdings Inc.
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I currently have a 14 % interest rate on my car loan. I went online and completed an application so that I can trade in my current vehicle and get a lower rate since refinancing did not work. The online application asked for my PPI and Employment/Income. After I was done I received a pre-qual good for up to XXXX. Shortly after I received a call from the dealer and I outlined everything that was of interest to me. I stated interest rate under 7 % and payment under {$300.00}. I never received a call back from the agent and shortly after found that they had completed XXXX hard pulls on my credit in addition to the one. These pulls were not authorized. I just filled a complaint with the company and have been receiving contact from a gentlemen that works there by the name of XXXX. He explained the dealer went back and pulled a tri-merge. I let him know that still was not authorized and that it is now going on two weeks and no one has even made an attempt to contact me back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: ECMC GROUP, INC.
State: TN
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was contacted by a collection agency for defaulted student loans. I was offered rehabilitation in XXXX XXXX. I agreed and was sent paperwork to sign and return and an automatic payment was set-up. In XXXX XXXX I was contacted and told my loan agreement was not returned. I again mailed the paperwork I had received from the agency. I thought that this was strange because my income/expense information and my payment information were both " received '' and in effect at the time of the call in XXXX. In XXXX XXXX, I was contacted again by the same agency and told that my loan was not in rehabilitation because my paperwork had not been received. I had at this point made XXXX consecutive payments. I agreed to re-sign and submit the documents again. I did so. My new address ( across the country ) was shown on the documents I electronically signed. I was contacted again in XXXX. XXXX. I was told again that my documents had not been returned and that I was not in rehabilitation. At this point, I have made XXXX consecutive payments. The agency sent my " loan agreement '' ( which is the most important document of the bunch ) to my former address even with my correct address on the income/expense and other documents. I am trying to qualify for a home loan and I show that I am still in default. The agency wants me to re-sign the documents for a 3rd time in order for me to begin the rehabilitation process. By the time it is finished, assuming that this time they will send me ALL of the documents I need to complete this program, it will have taken me XXXX months to " complete '' the rehabilitation process. The agency is telling me now that my options are to try to begin again and they have assured me that I will get all of the documents " this time '' or to pay the full balance and still have the default notation which may prevent me from being able to qualify for a home loan until another 9 months has passed or even longer to wait for the notation to be removed. I was told that if I had returned the " loan agreement '' then this would not be a problem. But I do n't think I have ever been sent one. This agency sends documents to " qualify '' for the program including setting up a payment then is supposed to send a " loan agreement '' to be signed and returned. However the only things I have received from this agency are the " qualifying '' documents and the monthly notice of the payment.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: Ditech Financial LLC
State: AL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
GREEN TREE SERVICING, LLCI received a " Your Mortgage is in Default '' letter XXXX XXXX of them to be exact ) due to XXXX missed payments, but I have the bank statements to prove otherwise. In the meantime, I have storm damage and awaiting their endorsement of my homeowner 's insurance draft in order to complete repairs XXXX which includes mold growing in the walls ) that they have yet to return. How does this company have a license to stay in business? They have been doing this for years and nothing ever happens to them. I had no control of them taking over my mortgage and would have protested that had I been made aware of the sell of my mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I can not get Ditech Financial to process my XXXX XXXX to my account. This will be my 2nd attempt in getting Ditech to process the Dodd-Frank Certification with zero assistance. My first attempt was on XXXX XXXX, 2016. The documents sent into Ditech three ways - mailed, faxed and uploaded ( located Hardship Uploads ) on to Ditech webpage to my account profile as directed in notice dated XXXX XXXX, 2016 - Ditech failed to process these documents. 2nd attempt XXXX XXXX, 2016 - Mailed, faxed and uploaded on to Ditech webpage ( located Hardship Uploads ) as directed in notice dated XXXX XXXX, 2016. Detech keeps sending me the Document to fill out but refuses to apply the document to my account status adjusting my balance.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: GMA Investments, LLC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I received a call today from an aggressive collector at Summit Receivables regarding a payday loan he advised I obtained in 2009. I did not recall anything related to what he was talking about. He advised if I did n't have the {$1100.00} today they would move the file to the legal department for asset and income verification. He then asked me if I have ever been sued before. I asked if that was what he was going to do. He repeated the question. When I advised I had to go as I was at work he then yelled " Stop being a degenerate and pay your bill ''. I advised him this was an FDCPA violation and he then said " No, it 's not '' and then hung up.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-14
Company: Ditech Financial LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
A company called Ditech apparently have purchased our mortgage. We have called them and vice versa, and they will not talk to us unless we agree to have them record the conversation. We do not agree to this, so they will not provide us with any information or listen to our questions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-06
Company: Innovis
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CBCINNOVIS, XXXX XXXX XXXX, XXXX, PA XXXX, ( XXXX ) XXXX have made XXXX hard pulls on my credit in the past 6 months, affecting my credit rating. I have made no applications for credit in this time and have no outstanding or unpaid debts. This is harassment and is unethical.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Ditech Financial LLC
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Re : XXXX XXXX XXXX, Property : XXXX XXXX XXXX XXXX XXXX, XXXX, Arizona XXXX. 

I entered into a modification " Making Home Affordable '' under the HAMP program for my home mortgage in XX/XX/XXXX. At this time, part of the incentive ( contract ) is that my mortgage is to remain at 2.125 % for the first XXXX years. On the interest piece, DiTech is complying, however, along with this stipulation, I am to receive a {$100.00} credit per month to be applied to the principal ( or {$5000.00} ) at the end of XXXX years, so long as mortgage payments are received on or before the XXXX of each month. These accruals stopped appearing on my monthly mortgage statement as of XXXX XXXX. The last accrual of {$83.00} appeared in XXXX XXXX ( which was incorrect ). 
I just called into DiTech today, XXXX/XXXX/XXXX and this " Accrual Incentive Balance '' is nowhere to be found. 
Please help!!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation