BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company has never provided me with a signed contract proving that this debt is mine. Their information needs to be removed from my credit report immediately. My identity was stolen so nothing but a signed contract will do.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I do not know if the debt is actually mine. My ex-husband obtained credit over the internet in my name. I was told by the debt collector it was my debt. I do not have any verification if this is mine. What should I do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I leased a XXXX Toyota Rav 4 EV. The vehicle has been in service many times for ECU not functioning properly, Toyota has failed to fix it. My vehicle has been in service for 6 days at the XXXX Toyota location and they are claiming it is XXXX 's fault because they built the drive train for the vehicle. The dealership referred me to Toyota help line XXXX to open a case. I have called in XXXX times and even sat on hold for XXXX minutes to speak with anyone. Nobody has called me back and the operator claims they called me on both my numbers listed but I have never received a call and no missed calls show up in my call logs. I purchased an electric vehicle to be able to save time and money and now all I have is problems nobody can seem to fix.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I keep getting phone calls from numerous different phone numbers. There is never a message left on my voice mail, or with who may answer my phone. Today I answered, and I requested a paper bill since i have never received XXXX. The representative stated that there were XXXX previous letters mailed this year. She then went on to say that it sometimes appears as junk mail because there is no return address is on the outside of the envelope. She urged me to just go online and look at the account that way. I do n't care if they design their correspondence to resemble junk mail so that they can pull this XXXX people. I was also a bill collector, and know that what she is telling me is bordering on unethical.I re-asserted my right to a paper bill, and she said that she would note that this has been a refusal to pay the debt. I reiterated to her that I am simply asking for something on paper, and have not refused to pay. I stated to her that she is lying in her notes if she does document the call in that way, and that I would be making my own notes of the call. I informed her that I would specifically be noting how I requested a bill, and got the response that I was refusing to pay the bill. I told her that I would be doing this to protect myself when this went to court to show how Portfolio falsified their call notes when I simply requested a bill.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: Dynamic Recovery Solutions, LLC
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company " Dynamic Recovery Sollutions, LLC '' from XXXX, SC XXXX, is been calling my personal cell phone # from different and also unreachable phone numbers trying to claim that I owe a balance to bogus accounts and to companies like XXXX that I have never contracted any type of services with. 

They have also sent me letters in the mail stating the same false information regarding a current balance on my name and attempting to settle that balance with me for a less amount of money that what they 're saying I allegedly owe.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-24
Company: M&T BANK CORPORATION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing to alert you of fraud concerning my mortgage. I was alerted through a letter from M & T Bank that a pay off statement was requested from them. I received a letter to this regard dated XXXX XXXX, 2016. This is the letter stating now fnma-lakeview now owns my account. Which I never authorized any transfer of such things. There is a XXXX law firm constantly involved in fraud concerning a probate attached to this loan. My home is involved in a large plot of lands. I in no way afforded such people to own or transfer anything from my account. I have this mortgage merely to stop this kind of fraud from happening. I own these lands outright. There should not be any mortgages on any such properties or lands within this probate. Nor should the address or authority have changed. The parcel associated with this loan is XXXX or community XXXX panel number XXXX. I found a group boasting that they stole the probate through the transfer of the home attached to the loan. Please check into these things. The XXXX law firm attempted to steal a home attached to this probate in Delaware in previous years. They were unsuccessful. I would like any loans associated with this loan and homes or parcels checked into. There was only XXXX mortgage, it just got sold and resold never authorized. I show that many of these mortgages were placed on other parcels using the probate funds to pay such mortgages. I am the owner of this mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: M&T BANK CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello my name is XXXX XXXX XXXX living at XXXX XXXX XXXX XXXX NJ XXXX. I have a home mortgage at HUDSON SAVING BANK from XXXX at the interest rate of 5.5 ( A/C # XXXX XXXX ). From XXXX XXXX M & T bank takeover HUDSON SAVINGS BANK mortgage. Without my permission, now i have a problem with M & T BANK from XXXX XXXX. Every month i received 2 statements from M & T Bank. Saying that one statement says that i owe {$4300.00}. The second statement says that i owe {$2100.00}. MY monthly mortgage is {$2000.00} which includes my taxes. Due to my high interest rate i went to financial institution to reduce my interest rate, due to this two statement saying that i have a late fees on my mortgage. I have all my proofs paid my mortgage on time from XXXX to till date. i never paid any late fee so far. I went to M & T bank with these two statements to XXXX XXXX NJ Branch. I discussed with the manager about these two statements and the manager the other people are whose related to the M & T bank are not responding. Several times i called M & T bank try to explain why i am getting two statements every month but no response from them. With this i am loosing my credit score and no bank coming forward to reduce my interest rate. I am sick & tired with M & T bank. Finally, last two days back i went to M & T bank in XXXX XXXX to get some solution. The bank manager the other people say that " M & T works like this go and do what ever you want ''. I do n't have any choice than you people. I hope you see this complaint and justify. If you have any questions regarding this please call me at XXXX. I hope to hear from you soon.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-23
Company: M&T BANK CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I went to the ATM on XXXX the XXXX and deposited XXXX checks XXXX for XXXX and XXXX for XXXX which brought my balance to over XXXX. I pulled my account up on line the next day Monday the XXXX, and my statement was showing my Balance as XXXX and my available balance as XXXX. My deposits were pending and so were my debits. XXXX Monday night they put all my debits through including a check for XXXX at XXXX. Then at XXXX they released my entire deposit. According to the person I spoke to at the bank ... they put the withdraws through first at midnight, but do n't put the deposit in until the am. They claim it was XXXX different days. Therefore purposely over drafting my account, and charging me XXXX. But yet if you pull my statement you will see no where, where I was in the negative. I called the bank to ask that they waive the XXXX they refused. They also did this back in XXXX. I had a direct debit come out of my bank at XXXX XXXX, and at XXXX in the morning I had a direct deposit come through my bank. They said I did not have enough money on the XXXX Knowing that I had a direct deposit coming through in the am ... something needs to be done about this how can you overdraft knowing there is a deposit coming through hours later. I think this is very confusing the way they are doing business, and they purposely do business to confuse the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Retrieval-Masters Creditors Bureau, Inc., Elmsford, NY Branch
State: MO
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I keep getting repeated calls from this number, more than once a day. If I call it back it puts me on hold to wait for someone.

Company response to consumer: Closed
Consumer complaint received 2016-12-18
Company: First Data Corporation
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:
The payment was made thought a debt collector on behalf of first data global leasing, since year XX/XX/XXXX for early termination fee {$290.00}. Matters face when they agent walking to my restaurant was told me no contract, no early termination fee, so we can consider is fraud, is scam, they have advertising in writing of XXXX XX/XX/XXXX I review my credit report, they inaccurate credit report bring down my credit score from XXXX to XXXX.and then I go online research I no the only one get hurt by first data global leasing company.my business closed, the processing machine being return. few days after I made phone call everything was fine,

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Receivable Solutions, Inc.
State: SC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have been getting calls and voicemails from this one bill collector for months now. They call at least once a day, every single day and leave a voicemail. It 's always a machine that calls. I have over 40 calls from them in just the last month or so but it 's been going on way longer than that.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-27
Company: Capital Accounts, LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Haven't received any information regarding this debt. I've been XXXX and do not have any documents from this collection agency providing proof of my sole ownership of this debt. Documents need to be provided. According to my monthly credit score report provided by my bank, it shows a balance of {$1300.00} from Capital Accounts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: BorrowersFirst, Inc.
State: RI
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was offered a personal loan to take care of medical bills by a lending company called Borrowers First. After the initial set up fee I have been repeatedly charged transaction on this account as if it were some sort of credit card. I have been faithfully paying off this loan through monthly installments for six months and each month the loan ammount is increasing. Today my balance is approximately a XXXX dollars more than what it originally was. 
I have been prioritizing the loan over all my other expenses. I have had to put off other expenses because recently they doubled the ammount of my monthly payment without any explination. This loan is ruining my credit, the balance is increasing with each month and can no longer afford to pay this. 
I really do n't want this to ruin my credit any further. What gives them the right to increase my balance and charge transactions onto this loan that are not authorized by me. I havent been able to pay other bills and everything is adding up, ruining my credit and my house hold. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: I.C. System, Inc.
State: MI
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:
I recently pulled my Credit Report. 

Completely surprised to see on that report : I C SYSTEM COLLECTIONS # XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX ( XXXX ) XXXX Placed for collection : XX/XX/XXXX Responsibility : Individual Account Account Type : Open Account Loan Type : COLLECTION AGENCY/ATTORNEY Balance : {$200.00} Date Updated : XX/XX/XXXX Original Amount : {$200.00} Original Creditor : XXXX XXXX XXXX XXXX Past Due : > $ XXXX< Pay Status : >In Collection< Remarks : >PLACED FOR COLLECTION< Estimated month and year that this item will be removed : XX/XX/XXXX I never received a bill, call, email, nothing from this company. Suddenly it just appeared on my Credit Report. 
They did not follow legal debt collection practices, I was not given 30 days to dispute this. 
As of right now, I have still never heard from this company. 
The damage is done. I am trying to get a new mortgage and move, but because of companies like I C SYSTEM COLLECTIONS # XXXX, who have MANY complaints such as the XXXX, XXXX, etc., I have to wait on unscrupulous credit collectors. 
I have never received 1 single item to try to verify this debt. I have never head from them. Now I have to waste my time waiting on this company. 
They never gave me the opportunity to verify the 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
Consumer complaint received 2015-05-20
Company: NELSON AND KENNARD
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was contacted by mail on XX/XX/XXXX by the law firm of Nelson and Kennard. In the letter it was stated that they had obtained a judgment against me on behalf of their client XXXX XXXX XXXX XXXX. They then stated that I had an outstanding judgement balance of {$10000.00}. 

I have never received any paperwork notifying me of a lawsuit and in fact the original debt was by my records charged off in XX/XX/XXXX. 

I had moved on XXXX XXXX of XXXX and on XXXX XXXX of XXXX so if they had served the paperwork to an old address it was n't to me. 

Furthermore I just received a phone call from one of their representatives at work. 

I think it will go a long way if the Bureau of Consumer Financial Protection contacts Nelson and Kennard and just ask some simple questions. Like " When did you supposedly sue this person? Do you have court document showing proof of service? Who signed the proof of delivery? Show us documentation proving you have the right to collect this debt? " Please help as I do n't know who else to contact and really need a help from your organization to help with this dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Mayan, LLC
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
XX/XX/XXXX In XX/XX/XXXX I took out loans student loan. XXXX federal and XXXX private I believe to attend college at XXXX XXXX in XXXX XXXX Texas. I was led to believe I would be able to transfer my XXXX credits and go XXXX. I was told by XXXX employees/recruiters that signed me up that my credits would be transferable because I wanted to be a XXXX. This would give me the experience and get my feet in the door to have my goal reached. I attended XXXX for 9 months. I did not have the greatest experience. I did not feel like my education was important. Our teacher was nice but teaching was not his main priority. I went to the dean and my councilor. No help was given. It was clear there man goal was promising the moon and stars then once they had you and there money they were of no help. I have been paying on my XXXX loans since then. I am a single mom and have went time periods not paying but I have been regularly now for a while. I originally bowered XXXX have been paying off and on for 9 years and because of interest and not being able to get a head I owe XXXX still. I will not have it paid off till XX/XX/XXXX. I feel robbed and wrong. I was told they were accredited. I was told I could transfer. I was told my degree could turn into so much more. I was lied too. I had meeting with the Dean many times. She would not even give me my transcript to try to transfer credits until I sent her an email telling her much to my surprised our XXXX college was accepting my credits. This was a lie, they did not nor had I even tried yet but in order for her to let me have my transcript I was made to lie and send this email so she could use to show others that their credits could be transfers. It was a scam and all lies. I am still paying for the lies monthly as will be until XX/XX/XXXX at this rate. It is not right. The campus clearly committed fraud and 9 years later I am still paying XXXX XXXX XXXX XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-18
Company: Servis One, Inc., Titusville, PA Branch
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
XXXX is blantantly lying that they did not receive appeal letter. I am enclosing copies of email I sent to SPOC on XXXX/XXXX/16 regarding I am appealing this and to send me any forms needed. Since he never responded I sent my letter which was not expressing I want to appeal. IT STATED I WAS APPEALING and the reasons why. BSI is trying to play a game and this is infuriating with their lies. XXXX XXXX XXXX XXXX received a Cashiers Check for XXXX so their telling me I owe XXXX from them is a lie as well. They released lien when paid in full!! I will send copy of cashiers check as well

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-27
Company: Applied Business Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original collector, XXXX XXXX XXXX XXXX, has already agreed to and accepted a settlement offer for this debt with the agreement upon receipt of payment, the referenced account will be removed from Security Collection Agency, any collection agencies, and credit bureaus. Please view my supporting documents from XXXX XXXX XXXX XXXX. However, Security Collection Agency is still reporting this debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm a victim of identity theft and Certegy cleared my file from the negative information. Because a law enforcement agency claimed that the bad stuff that I 'd already been proven not guilty of they asserted it back to me. I demand Certegy follow the law and remove it once again because it is not mine and already proven not to be mine.

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 2015-07-08
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
I received a home equity loan from Bank of Albuquerque 8 years ago. Payments were made for seven years, XXXX. I called the bank for forebearance, they offered half a month. I had no income, and they started foreclosing on me in three months, the amount they were owed was around {$650.00}. 

I am losing my home over principal and interest due of under {$3000.00}. I have no idea what is being charged for legal fees. I have approximately {$9000.00} that I earned in the last few weeks, the balance was {$15000.00}. The auction sale is XXXX XXXX! 

What really bothers me is that I had a 7.5 % interest rate. I closed my bank account with them over unfair overcharges. They increased the interest rate to 8 %. Prime rate was under 4 % at the time and I had a FICO score of XXXX. They lost a class action settlement suit over the issue. They called and said if I opened an account again, they would pay me {$70.00} for their wrongdoing and modify the home equity loan to 4.5 %. After going through the process of opening an account and applying for another XXXX THEY DID NEITHER OF THOSE. MY LOAN WOULD HAVE BEEN ALMOST PAID OFF by last year at the promised interest rate. 

Bank of Albuquerque has, again, imposed unfair and unauthorized charges on my business and personal accounts. This happened after contacting them about loan fore bearance. I specifically opened those accounts with their stating that there would NOT BE ANY AUTOMATIC WITHDRAWALS.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-29
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Other

Complaint:
My credit card company, barclaycardus.com, immediately shows charges when I purchase something. However, I made XXXX huge payments yesterday from my bank account directly to barclaycardus.com. Yet neither payment has been posted, nor has my balance been lowered to the much lower " balance '' to which I pay interest on. It 's an electronic payment, just like the charges I make to the card. Why does n't my payment reflect immediately as well? I 'm paying interest on a " balance '' that is incorrect.

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