BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Portfolio Recovery Services states that they purchased accounts that I owe. However, I was never notified of the accounts nor did I receive notice of my right to dispute the accounts with Portfolio Recovery Services. 

Additionally, I have mailed numerous letters requesting validation of the debt, with no response. Yet, the continue to update the information with the credit bureaus when I dispute the tradeline on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Aldous & Associates, PLLC
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
i recieve a phone call from XXXX tell me i have to pay XXXX from 2013 after 20 phone calls they send me a letter by mail stament that i dont own noting to XXXX  tree monts later a company associates lawyer send a collection to my credit report i send the letter from XXXX stament that i dont have any pending with XXXX  they return a letter asking for more evidente after they place my bad report to damage my credit before they investigate the matter. please i need help with this situacin because is hard to keep the credit clean and this people came and damage just like is a game. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-15
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
When I purchased a car from a dealer they told me I had to purchase extended warranty and XXXX insurance or the deal was off. What can I do to get compensated.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: Collection Bureau of the Hudson Valley, Inc.
State: NY
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:
This company has harassed me with calls over the course of a year to collect a fraudulent {$16.00} debt to XXXX. The debt does n't exist. I just called XXXX to make sure. In XXXX the company, I discovered lawsuits against them for exactly this thing that I 'm complaining about -- fraudulent claims that they are calling to collect small debts owed to XXXX.

Company response to consumer: Closed
Consumer complaint received 2022-11-08
Company: WELLS FARGO & COMPANY
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Traveler's check or cashier's check
Issue: Problem with customer service

Complaint:
PRESENTED A CASHIERS ( BANK CHECK ) ISSUED BY TD BANK FOR DEPOSIT INTO A WELLS FARGO BUSINESS CHECKING ACCOUNT. WELLS FARGO INDICATED THAT IT WILL TAKE 10 DAYS TO CLEAR. 

HAD TO RETURN TO TD BANK AND DO A WIRE TRANSFER FOR WHICH I WAS CHARGED FEES BY TD BANK AND WELLS FARGO. 

WELLS COULD NOT CLEARLY DEFINE THEIR POLICY ON ACCEPTING BANK CHECKS. I HEARD A FEW DIFFERENT THINGS FROM WELLS AS TO WHY OT TAKES 10 BUSINESS DAYS TO CLEAR A CASHIERS/BANK CHECK : 1. THE WELLS ACCOUNT THAT THE CHECK WAS BEING DEPOSITED TO WAS ONLY 7 MONTHS OLD.

2. THE HOLD IS DETERMINED BY THE LOCAL BRANCH MANAGER.

3. TELLER WASN'T SURE WHY THEIR WOULD BE A HOLD. 

BRANCH LOCATION : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ, XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-24
Company: Stellar Recovery, Inc.
State: VA
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:
The original creditor was XXXX and they were paid directly a long months ago. XXXX said they notified the collection agency about the payment once it was received and they should have never put this on my credit report in the first place.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Stellar Recovery, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I settled with the debt collector and paid them in full, I would like this off of my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
have sent over XXXX letters to both attorneys office and office of the collector -- got nothing back -- will not respond to anything. in court they act like they know nothing. lawyer does. have mail delivery receipts -- wont respond or anything. I made a payment via XXXX XXXX money order and it was cashed and deposited and nothing reflected. have copy of money order and mail delivery receipt and it still show I did n't pay and now they are trying to garnish my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: AMERICAN HONDA FINANCE CORP
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I financed a vehicle through American Honda Financial Services. I feel they are very discriminatory towards minorities my race XXXX. A XXXX supervisor that I spoke to would not provide me the opportunity to explain my situtaion and refused " I explained to her I felt like they were discriminatory via-phone conversation. I fell behind on XXXX payments due to my grand babies death and child 's burial expenses as I stated in several conversations. I also advised her I would provide documentation. Payments are due the XXXX of every month ; however my last payment was XX/XX/2016 and I was going to make a additional payment by XX/XX/2016. American Honda repo my vehicle before I could even discuss my account. A couple of weeks pass and I received a letter from XX/XX/2016 from your office in a settlement agreement. In which is how I feel with this company I will never use again as a minority I feel American Honda provides unfair practices towards minorities. Furthermore, I was able to pay off the loan. My bank contacted American Honda and was advised they would release the vehicle verbally. I also contacted American Honda and was advised the same thing. American Honda mentioned they would release the vehicle after a couple of days the tow company said they had not released vehicle so once again I contacted American Honda and they mentioned they needed the check in their office in order to release the vehicle. " My question why did n't they explain that to my bank and or me the first time we contacted American Honda. Now I accrued more fees with the towing company.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: Nations Recovery Center
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received a letter from National Recovery Center , Inc stating that I own over {$28000.00}, It may be for a credit card. I do n't have credit cards for the last 15 years.

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 2015-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Credit card
Issue: Sale of account

Complaint:
In XX/XX/XXXX I received an alarming call from Portfolio Recovery Associates ( XXXX ) telling me that they were about to take me to court over my XXXX account -- which due to financial problems and XXXX -- had fallen into collection. PRA had bought the debt. Never having been in collection before, I panicked before asking for proof of their account ownership, and set up a payment of {$100.00} per month and a settlement of {$600.00} which had been originally a bill of {$800.00} owed to XXXX. I paid them from XX/XX/XXXX to XX/XX/XXXX. I was told at the time that I would be sent a letter of pay off - which I have never received. I am now on better financial footing and cleaning up my credit - I called PRA to get the letter and now they say they have no record of my account or payments. I told them I have the bank statement. They said that perhaps they had credited the payments to another account - but what worries me is that they have no record of my account at all. They told me to call XXXX to make sure they had the debt. So I called XXXX and they told me that they sold the debt - but could n't tell me to whom, or my old account # but they could call the buyer and they would contact me. Well, it 's been XXXX months and no one has called. So, I called PRA again this week they are still insisting that they do n't have my information, but to send them the bank statement - which I have done as of this Monday. the bottom line is that I can not figure this out, its still on my credit as open - and I am out {$600.00}. Please help me!.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CREDIT ACCEPTANCE CORPORATION
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Received letter from IRS proposing changes to our 2014 form XXXX because reported cancellation of debt form XXXX from Credit Acceptance Corporation which created a tax bill with penalties and interest. We never received a XXXX from this company. The only dealing we had with this financial institution was over 20 years ago and do n't have a valid debt with the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: Specialized Loan Servicing Holdings LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My home loan went into default XX/XX/2014 with XXXX XXXX, due to a temporary hardship. The hardship was resolved and an application for loan modification was submitted ( XX/XX/2014 ). Since the original submission, and to date, XXXX and its servicers have rotated at least XXXX " Preservation Specialists '' on my applications, lost or arbitrarily rejected multiple loan modification requests, applied arbitrary qualification criteria, transferred servicing to another company, and has repeatedly misrepresented the status of the application and required substantiating documents. After being told by XXXX that the loan was not in active foreclosure and they were working with me, on the same day they filed foreclosure. Defending myself in court has been costly and distractive, as well as a cost in emotional stress and lost wages. Meanwhile, the finance charges grow and related administrative fees increase. My consumer credit counseling representative suggested a complaint is in order. I have also filed civil counter claims.

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 2015-12-30
Company: Caliber Home Loans, Inc.
State: NC
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
I have an old complaint number of XXXX submitted XXXX/XXXX/XXXX and I have a new complaint number of XXXX filed XX/XX/XXXX. " THIS IS PART OF THE DISPUTE " On or around XXXX/XXXX/XXXX received package of information via XXXX. However the only newly requested document in the package was a Certificate of Incumbency for XXXX XXXX. The other names in a Request for Information letter sent dated XXXX/XXXX/XXXX, a Certificated of Incumbency / Corporate Resolution Authorizations / Power of Attorney for court case # XXXX in the County of XXXX N.C. was not sent. Also, XXXX XXXX was not an Employee or Rep. for XXXX XXXX XXXX of North Carolina or XXXX XXXX XXXX at the time of this transfer and Assignment Of Deed of Trust on XX/XX/XXXX ( see enclosed ). At that time according to Resolution Of The Board Of Directors Of Vericrest Financial , Inc. A/K/A Caliber Homes Loans, Inc. XXXX XXXX XXXX was an employee of XXXX. XXXX XXXX ( see enclosed ). Therefore XXXX XXXX XXXX was still not an employee or rep. of XXXX or XXXX, So as a consumer I am still trying to understand how this transfer on new assignment of deed of trust was done " Legally ", ( see enclosed ). I have also enclosed a copy of what I am not sure that my name and address appears on, this is the only other document that was sent by Caliber that might could be an Cert. of Incumbency ( see enclosed ). At this time I am also enclosing lawsuit that I have removed myself from but still remain in the settlement class ( see enclosed ). I have also enclosed a copy of first QWR dated XXXX/XXXX/XXXX the last page. At this Point I as the consumer really would like to see how all of these transfers and filing of documents was done legally but at this time there seem to be a missing link??? Maybe If we can get the transfer paperwork referred to in your last letter dated XXXX/XXXX/XXXX in the " Previous Correspondence '' section page XXXX, which states that " My Loan Was Transferred From XXXX XXXX , XXXX to XXXX Master Participation Trust and then from the Trust to XXXX XXXX, XXXX. as Trustee for XXXX ( see enclosed ). I am also enclosing a letter from XXXX XXXX giving Caliber Homes the Authority to dispose of these matters as it concerns XXXX XXXX XXXX , XXXX, NC XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-24
Company: Specialized Loan Servicing Holdings LLC
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
SLS, a debt collector, has been violating the FDCPA repeatedly. 

XXXX instance is their continued correspondence to an attorney who no longer represents me. .Despite notice given to them on XXXX/XXXX/16, they ignored it and sent said attorney correspondence on XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16. 

This is XXXX XXXX of a myriad of violations.

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 2022-04-15
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:
Transunuion violated my rights on XX/XX//2022.

The viloated laws were 15 U.S.C 1681 section 602 A, 15 U.S.C 1681 Section 604 A Section 2, 15 U.S.C 1692c

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Caliber Home Loans, Inc.
State: NH
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a HUD Housing Counselor working with a client whom has aXXXX XXXX loan, serviced by Caliber Home Loans. I have been activelypursuing a loan modification since XXXX 2015. For the last XXXX months theunder writing department has been requesting " additional " documentsweekly, which extends the time frame and out dates recent pay checks, bank statements, etc. This in turn creates in the servicers eyes an " incomplete '' request.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Bread Financial Holdings, Inc.
State: NV
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a dental account with XXXX, which is financed by Comenity Bank. In XX/XX/XXXX I contacted them and made a large payment of {$500.00} because I wanted to pay my account ahead a few months. This month I started receiving phone calls and text messages from them stating that my account was delinquent. I did not consent to text messages first of all. Second of all they will call me 4-6 times per day, and they will call me from several different phone numbers. Then they start calling and texting my husband on his phone. My husband is not on this account, and I have never given permission for him to be contacted. When I asked why they were calling him I was told that in the state of Nevada they are allowed to call my Spouse. After I paid the amount i was told I owed, I still received text messages telling me to call them. When I called them they were still trying to collect the payment I had already made 2 days earlier, and I told the customer service agent I was going to contact an attorney. I told him I wanted to talk to his supervisor he refused to transfer me until I gave him an attorneys name and phone number. I told him I was driving and was on my hands free device and could n't safely provide that information, he said he did n't care and still refused to transfer me. He said I should n't have called them if I was n't prepared to give them that information and he was n't going to transfer me. I told him they were harassing me, they were calling me and texting me over and over and over again about a debt I did n't owe, they were calling my husband who is n't on the account, they are texting me when I did n't ask or approve that and I wanted to speak to a supervisor and he still refused. They have since reported a late payment to my credit report and are refusing to remove it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-16
Company: CURO Intermediate Holdings
State: AL
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have a loan on my credit report that has been sold to XXXX from a company called SPEEDY CASH. I contacted XXXX and asked for information on the account because I do n't have any knowledge of the account. The representative could not provide me with any information except for the date it was opened and from where it was from. I asked for the original contract and the representative told me they did n't have it because I wanted to find out who did this. I advised the agent that I had been incarcerated in XXXX prison since XXXX until XXXX and at the time among other accounts this was not mine. I have sent a letter to them but need to file a complaint in reference to someone opening this account and a bank account w/o my permission.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Caliber Home Loans, Inc.
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I requested a loan modification in XXXX due to financial constraints and have provided numerous documents to the 3rd party representative as requested. This company failed to make any determination about the modification request for greater than 12 months. I was offered as a deed in lieu option with a payout " cash for keys '' in XXXX XXXX. I completed the form and faxed to the mortgage company in early XXXX XXXX under the assumption if this was being offered to me it must be valid. Upon returning from viewing colleges with my son I received notice that my home was being foreclosed upon with a sale date of XXXX/XXXX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: Allied Collection Services, Inc. (Nevada)
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was in an ongoing dispute with XXXX over their criminal tactics. I was waiting for a final amount to resolve the outstanding amount I owe them. I never received verification that they agreed to the amount I was proposing, I had asked them, etc., and no communication. I was doing some other banking business the other day and was shown on my credit report that Allied Collection Services , Inc had " hit '' my credit report with the amount I owe XXXX. This certainly was a surprise, I did n't get a voicemail, e-mail or so much as a letter in the mail notifying me of their attempt to collect the debt, nor did I get an opportunity to dispute the debt. Since I found out they are illegally ruining my credit I have called and emailed them in an attempt to resolve the problem and nobody will contact me back. This is and should be criminal.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I had an account with M & T bank ... I disputed a {$1000.00} charge in XXXX ... they gave me a provisional credit ... later reversing their decision in XXXX ... however I went to court in XXXX ... the judge ruled in my favor ... I feel like M & T bank wrongly released funds ... I now have a {$51.00} charge off my credit ... .which I feel I would n't have if they had n't been prejudice to my situation ... and me as an individual ... after working with the attorney general 's office ... they directed me to the bank to recoup my funds and M & T bank advised me that they can not help me to do so ... .even though they filed my dispute incorrectly. So I feel like M & T bank has failed me ... and now ca n't even help me..after they made a mistake

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-04
Company: CITIBANK, N.A.
State: MA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Best Buy CITI Card Member since XXXX. 
Debt protection ( XXXX ) charges of {$1400.00} since XXXX I canceled plan and ask for a refund in XX/XX/XXXX. Refunded {$37.00}. I have called 3 time since to request a refund that more fairly reflects the false charges for a service I have no recollection of signing up for. I have asked 3 times for proof that I signed up for this service when I became a member and they have not sent me anything.

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