BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-18
Company: Capio Partners, LLC
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have attempted to obtain validation of this debt from XXXX XXXX XXXX three times since XXXX XXXX, 2016. I have not received VOD. I supplied a copy of my social security card, my DL, proof of residence, tax returns for two years and they still can not locate me in their system. Today I found this account on my credit report. I spoke with XXXX at Capio Partners Collection agency, and XXXX from Capio Partners Patient Advocacy department and neither of them were able to locate my file. They advised I contact XXXX XXXX directly. I spoke with XXXX in the patient billing department at XXXX XXXX hospital. He used several methods to attempt to locate a file in my name. He was unsuccessful. He advised I dispute the account directly with my credit bureaus. I disputed this account with all three major credit bureaus. XXXX responded by updating my experian credit report with a balance of {$9400.00}. I have done everything to get this debt removed from my credit report. The original creditor has failed to provide me with validation of this debt. I have given them ample opportunity and proven my identity. I have sent a letter of dispute to Capio Partners as well. I am requesting this debt be removed from my credit report immediately as their negligence is affecting me in a negative way. This is false reporting.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call my phone numerous times between XXXX and XXXX. I have told them to stop calling and sending letters and they refuse to do so!

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 2020-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
A debt validation letter was sent to CAPITAL ONE AUTO FINANCE ON XX/XX/2020 with regard to a concern with possible non full disclosure and fraud with regards to the auto loan in question, by certified mail, which i have not received a response in the fair amount of time of 14 days that were given to them. below is the amount presumed to be owed that was not validate as of today. 

CAPITAL ONE AUTO FINANCE - XXXX, XXXX " WITHOUT PREJUDICE '' Sincerely XXXX XXXX XXXX of the XXXX XXXX family

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-17
Company: Couch Conville & Blitt LLC
State: MS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a bill from Couch Conville Blitt Attorneys at law trying to collect {$10000.00} on an account that there was no judgement on I received a letter from XXXX where they advised they were not attempting to collect due to the credit card had XXXX insurances after more than 6 years after the fact I have an attorney writing wanting me to settle on a debt that is not owed and is past the statue of limitations for the state of Mississippi to collect on

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I sent Portfolio Recovery Associates, ( PRA ) a letter a few months ago. In part, it reads ; I do not believe that I owe this debt or what you say I owe. I have never had any business dealings with your company or talked to anyone. 
Pursuant to the Fair Debt Collection Practices Act, Section 809 ( b ), Validating Debts : I respectfully request that you provide me with the following : 1. the amount of the debt ; 2. the name of the creditor to whom the debt is owed ; 3. verification or copy of any judgment ( if applicable ) ; 4. proof of full history of the account. 
I am asserting my rights under the federal and state Fair Debt Collection Practices Acts and the Fair Credit Reporting Act, including these rights Because I have disputed this debt in writing within 30 days of receipt of your initial notice, you must obtain verification of the debt or a copy of the judgment against me and mail these items to me at your expense. 
Any attempt to collect this debt without validating it violates the FDCPA. 
Also be advised that I am keeping accurate records of all correspondence from you and your company, including recording all phone calls, and I will not hesitate to report violations of the law to my State Attorney General, the Federal Trade Commission and the Better Business Bureau. 


PRA in turn sends a 1 page letter. No history of anthing for me to validate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: Experian Information Solutions Inc.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
Experian is reporting incorrectly that I am ( XXXX ) days late on the XXXX XXXX partial account numbers XXXX and XXXX. ( Please see page attached from my credit report along with a copy of my Drivers License and Utility Bill for identification purposes to investigate this complaint. )  This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. It is a violation of the Fair Credit Reporting Act to not report accurate information on a credit report. This false reporting of late is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

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 2016-10-13
Company: JPMORGAN CHASE & CO.
State: IN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Chase has a hold on my equity cash from their loan.I 've done everything asked by Chase-but they have very poor customer service and the hold remains for no apparent reason.No one from Chase will help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-24
Company: Finance of America Mortgage LLC
State: IL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
Hello, There is a newer mortgage company in the XXXX XXXX area called 'Finance America ' that is now advertising targeting the XXXX market through radio adds in the radio station XXXX, they have had several adds this last week ( XX/XX/XXXX - XX/XX/XXXX ) through the same spoke person XXXX XXXX ' that used to do the advertising for the former well known predatory lender XXXX ' , they are again misrepresenting loan programs and launching un compliant and unfair adds, there is no XXXX information disclosure and no mention of being and Illinois licensee, nor an equal housing lender ; this group of loan officers/ lenders committed multiple cases of fraud before they were put out of business a few years back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: CIT BANK, NATIONAL ASSOCIATION
State: GA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In 2008 I received a mortgage loan from XXXX loan in the amount of XXXX. My loan was then sold to IndyMac bank. The loan was 10 year interest only then principal would start and because I was young and dumb. My first home I didn't really think about it much. I just assumed I would transfer it into a regular 30 year loan in a year or two. Little did I know that was going to be virtually impossible. Despite my financial circumstances changing IndyMac later switched to OneWest bank refused to provide any type of mortgage assistance or modify my loan. I have a ton of paperwork showing I qualified but they would not fix the problem then when it was almost 10 years my loan miraculously transferred to another provider. Now after 12 years of payments most over XXXX a month. I still owe XXXX on this mortgage and it was recently transferred to XXXX XXXX management. I feel like a XXXX just keeping getting XXXX by these lenders over and over again. And now due to Covid 19 I'm not working and only drawing unemployment. Please provide some type of guidance or assistance on who or where I can turn to for help. I think it's a major sin that this has occurred to me and continues to keep happening. I know I've been a victim of predatory lending. My primary issue are with Indymac Bank and OneWest bank for the horrible practices they put on me and my sick older mom.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-12
Company: HOVG, LLC
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mother suffered a XXXX XXXX on XX/XX/XXXX which required an ambulance ride provided by a company named XXXX. The cost to her was {$200.00}. I received the bill on XXXX and paid the bill via check on XXXX ( I am the executor of the estate - she died on XX/XX/XXXX ). I received a debt collection letter from Bay Area Credit Services. I tried to contact them several times. Their phones are never answered. I contact XXXX and told them I had paid the bill. They made note. I then emailed Bay Area Credit Services and have not yet received a response. I sent the email via the information on their website : For Dispute email us at XXXX 

I sent the initial email on XX/XX/2020 : -- -- -Original Message -- -- - From : XXXX XXXX XXXX To : XXXX XXXX Cc : XXXX XXXX Sent : Wed, XX/XX/2020 XXXXXXXX XXXX Subject : BACS Account # XXXX /creditor Account : XXXX I have made several attempts to contact your company during your regular business hours. The message on the phone number provided by the notice sent to me states the offices are closed. 

This is in regards to a XXXX dollar payment owed to XXXX XXXX XXXX by the Estate of XXXX XXXX. You have incorrectly named it : Estate of XXXX XXXXXXXX. Please correct your records. 

I called and spoke to XXXX this morning. I spoke to XXXX. I informed her that payment was mailed to their company on XX/XX/2020. She stated she would make note of that information. The check was from my account and the check number is XXXX. 

Please indicate on your records that this bill has been paid. Please respond to me within 24 hours. 


NO ONE IS CONTACTING ME WITH ANY INFORMATION.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: Aargon Agency, Inc.
State: TN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I did receive notification of debt, however, I was not given my full XXXX days to dispute. I called the day I received the validation letter XXXX/XXXX/15. I asked what this was for as I had never received anything other then this letter, they said a XXXX item could n't tell me what it was for. I advised them I would contact my insurance company and said if this is a sling I will dispute the charges. I contacted ins. They tried to reach out to the original client about what the item was because they themselves had denied the claim but she did n't know why either. They were unable to reach out to the due to the fact that they were closed. I called the next day and advised Aargon on XXXX/XXXX/15 and spoke with an XXXX or XXXX ( ca n't remember the name ) and advised them that I was disputing the debt. Verbally, I said this has no effected the credit report and he said no but I needed send in writing I dispute the debt and I only have a week in a half to do so implying to me that it would effect my credit. According to the FDCPA I have a XXXX day validation period to dispute the debt from the day I receive the validation notice not when they get the account in their office. According to the FDCPA the collection agency can not make the consumer think the XXXX Validation Period does n't exist, and the debt collector nor the agency can overshadow the validation period. I had called the day prior stating that I just got the letter. On this day I also asked for an itemization to further explain what the charge was for. On XXXX/XXXX/15 I received an " itemization letter '' stating nothing more then what I was told on the phone " XXXX ''. On that same day I called back and spoke with a XXXX who told me that is all they show. In the conversation he stated well you just said that you were told something different on the phone then in the letter and I advised him no I said I was told the exact same thing which did n't tell me anything on the phone and seeing the same thing in writing does n't tell me anything different. He basically told me I was a liar when he just misheard what I said. That is harassment according to the FDCPA. 
I had n't spoken with this agency again until XXXX/XXXX/15 to get the names of the individuals and spoke with XXXX who then trans me to the Operations Manager XXXX XXXX I asked him for the names of the individuals I had spoken with he refused to give them to me stating it is proprietary information and he only collects information. Advised him that FDCPA had been broken I was going to file a complaint he advised me I could sent that to him in writing but still refused to give me any information I asked to speak with his supervisor and he said that would be the owner and gave me his name.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed
Consumer complaint received 2020-08-12
Company: Paypal Holdings, Inc
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I paid XXXX XXXX {$95.00} to redo my dating profile. I sent her the money through PayPal. XXXX accepted the money through the family and friends option. She did this to avoid paying the fees to PayPal which is a violation of HIPPA Law and of PayPals terms of use. I am requesting that PayPal refund me my money because she did not provide a service instead she has kept my money. I also hope you would take action against this person because she can keep doing this to other people. I have contacted her several times this year and she continues to not do it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: JPMORGAN CHASE & CO.
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Since JP Morgan Chase implemented the new touch ID feature I have had several issues attempting to use this function to access my checking and savings account via my mobile phone. I 've called several times and they 've walked me through a very long drawn-out process where I 've had to reset my password each and every time. The password criteria is very stringent which requires XXXX characters as well as special characters along with upper and lower case letters and numbers. I am livid as this issue only became relevant about 4-5 months ago but since then I have been encountering this issue very other week when attempting to access my account. Please address my concerns at your earliest convenience as this has caused much delays in payments being transferred to other accounts, inquiry regarding account balance as well as a waste of my time. I 've been on hold with them for several minutes while they " tried '' to resolve the issue and have spoken to managers about this problem.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-12
Company: Bread Financial Holdings, Inc.
State: SC
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:
Recently, I received a copy of my credit report and found several inquiries and accounts on my credit report that were not opened by me. I don't have any knowledge of these accounts being open. They were opened fraudulently. I understand that under federal law, ( the Fair Credit Reporting Act. ) unauthorized inquiries, and fraudulent accounts shall not be allowed to be placed on my file unless I have approved it.The presence of these fraudulent accounts and inquiries on my credit report constitutes inaccurate information, which must be removed under the Fair Credit Reporting Act. 
Respondent, please have the following inquiries removed from my credit file immediately because I did not authorize them, these creditors do not possess my signature, on any documentation, conveying my authorization to inquiry for a loan, or a line of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
CITI AADVANTAGE PLATINUM SELECT CARD. They had a promotional offer for XXXX miles towards XXXX XXXX for signing up for the card. I apply for the offer on XXXX and have not receive the miles yet. I apply over the phone and they told me I was eligible to get the miles. In addition, I have call them a couple times to resolve the issue and they always came up with a different excuse for not giving me the miles. 

Original Account information last 4 digits are XXXX. This account was change to current number last 4 digits 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 2016-11-13
Company: JPMORGAN CHASE & CO.
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
I do n't understand why the credit card can compute my interest based on a 28 day basis? It should be at least 30 days at least, the average number of days in a month. That would provide a fair chance for consumers to pay within a usual pay period. When you compute it before the 30 days are finished you are penalizing the consumer for not paying when they are very unlikely to have received another paycheck to make the payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: Diversified Consultants, Inc.
State: AZ
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:
XXXX pcs sent a debt to XXXX collections I paid settlement and have proof, now XXXX sent same debt to new collections and when contacted told me tough, I contacted XXXX XXXX who had me email proof, I have all emails, names of collector 's and paid letter. Double dipping is illegal and that 's what sprint is doing and now tagged all XXXX credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-24
Company: R.M. Galicia, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident XXXX XXXX, XXXX and I went to physical therapy due to an injury from the accident. The physical therapy put me into collections a total of 3 times from XXXX, XXXX. 
The accounts are as follows : XXXX/ Progressive Management : XXXX XXXX, XXXX -XXXX/ Progressive Management XXXX XXXX XXXX, XXXX -TransUnion/ XXXX : XXXX XXXX XXXX XXXX I made phone calls to the physical therapy department I went to and they had stated that it was all paid off through insurance and I did not owe anything. I had told them I was still in collections with them and I asked them to remove all XXXX of the open collections accounts a few times since I did not owe any money with them and they have yet to do so. I also have called and spoke with the collections agency and they stated that it is up to the physical therapy to remove all XXXX of my accounts from collections. I am stuck in an infinite loop where collections keeps sending me to the physical therapist and the therapist keeps saying things have been paid through insurance and i need to take it up with the collection agency. The physical therapist says there is nothing more they can do for me regarding the collection agency file ( s ). 


The XXXX collection agencies are : Progressive Management 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 2020-08-12
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Account status incorrect

Complaint:
XXXX  and Transunion should not be reporting me as an authorized user on the XXXX  XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I have already called the bank and let them know that I never gave permission to be added as an Authorized User on this account. This incorrect reporting of me as an authorized user is harming my credit score and this line item need to be removed from my credit report. I have contacted the bureaus to remove these however, I have not been successful.

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 2020-08-12
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Today, a collection agency named IC System just reported a {$550.00} collection account on my credit report. According to the Fair Debt Collection Practices Act, they are supposed to notify me of a possible debt, and give me 30 days to answer to it, before they report it on my credit report. I was not given that opportunity, otherwise I would have certainly contested it, because I have no outstanding debt.

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