BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer Portfolio Recovery Associates, violated chapter ( XXXX ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law 111-203, title X, 124 Stat. 2092 ( XXXX ). Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer. Portfolio Recovery LLC, willfully violated Chapter ( XXXX ) The failure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector. I sent XXXX XXXX a dispute letter dated XXXX XXXX, XXXX attached and XXXX XXXX failed to respond. But Portfolio Recovery LLC sent me a letter dated XXXX XXXX, XXXX where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me. They are civil for damages for their violation 813. Civil liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- ( 1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal act and they willfully violated the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-12
Company: Kriya Capital, LLC
State: RI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
The company called me several times they first off want you to just verify your address do n't tell you who they are which is a little scary secondly after finding out who they where collecting for and finding out I settled that debt with another collector on XXXX XXXX paying the settlement agreement amount of XXXX an finding out that they had all of this clearly documented in there system from the previous collector an that they still would n't stop contacting an Harrassing me with phone calls and now receiving mail I contacted XXXX which was company they were collecting for an they Said sold them the account and I was told that they did not resell them the account that they should close out the account if they have documention from the previous collector that I paid so I called back I spoke to a XXXX whom spoke over me whom advised I need to send in bank statement to show I paid which I 'm not comfortable doing as they have all of the information I paid an with fraud going around I do n't want my bank info being sent. The debt is off my credit report because I paid the settled agreed amount I just want the phone calls and letters from this company to stop they should n't have my information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
Equitfax sent  incorrect credit score to  XXXX . All other lenders got an  XXXX  score, while   XXXX   XXXX   was provided a  XXXX  I was not given the lower interest rate, but the rate of 9.09 % I tried to ask Equifax why, and they just said, I had no adverse information, but could n't give my credit score as it was confidential.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-08
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
Hello This company keeps calling saying My husband owe money and we are being sued.   When asked who the company is they said they cover verity of pay day loan. When asked for there address : they hang up, then they called my in-laws. told us they are going to go after his job, his driver licenses.   Their company 's name is  XXXX  there phone number is  XXXX .     I hope someone can get hold of them. Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: JPMORGAN CHASE & CO.
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I was declined for an auto loan by XXXX and JPMorgan Chase and the reasons they used were : " Serious Delinquency '', " Length of time since account not paid as agreed '' and " Time Since Delinquency is too Recent or Unknown ''. The letters told me to contract XXXX for information about this. I monitor my credit and know there is not a delinquency ever and when I contacted XXXX they could not see any issues either. I have tried to contact both banks to get information on what they are talking about and have not been able to reach anyone that will help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
Company: Bliksum, LLC
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I was in need of money to make my rent payment and was referred to the attached web address : XXXX As you note. Apr was advertised as 11.36 % Apr on web page attached and used to solicit my borrowing at zero percent interest for 7 days. 

With receipt of funds I am now being told that my APR is in nearly 140 %, I bevel this predatory lending is illegal and believe that it is in violation of the Consumer protection laws recently passed. 

See attached Notice and settlement information I am now receiving from this lender. 

XXXX XXXX The web page in now way describes this loan and appears to be some sort of bate and switch plan to trap consumers in need. 
I believe this is very much exactly what the CFPB has done to protect consumers from such predatory activity. 

My phone number is XXXX XXXX XXXX I am a California Resident and I am unable to pay these usery amounts. 

In violation of the California Constitution Article 13 Usury.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX   XXXX   XXXX , willfully violated Chapter (  XXXX  ) The failure to disclose in the initial written communication with the consumer  XXXX   XXXX   XXXX , violated chapter (  XXXX  ) of the Fair Debt Collection Practices Act FAIR DEBT COLLECTION PRACTICES ACT, as amended by Public Law  111-203, title X, 124 Stat. 2092 (   XXXX  ).  XXXX   XXXX   XXXX , willfully violated  Chapter (   XXXX   ) T he failure to disclose in the initial written communication with the consumer.      XXXX   XXXX   XXXX , willfully violat ed Chapter (  XXXX  ) The fa ilure to disclose in the initial written communication with the consumer and, in addition, if the initial communication with the consumer is oral, in that initial oral communication, that the debt collector is attempting to collect a debt and that any information obtained will be used for that purpose, and the failure to disclose in subsequent communications that the communication is from a debt collector.     I sen t Capital One  a dispute letter dated  XXXX   XXXX ,  XXXX  attached an d Capital One  failed to respond. But   XXXX   XXXX   XXXX   sent me a letter dated  XXXX   XXXX ,  XXXX  where they stated that I disputed the debt from them, which was false and I consider their response a letter of harassment as I did not write them as I never received the initial written communication to me.     They are civil for damages for their viola tion 813. Civil  liability ( a ) Amount of damages Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this subchapter with respect to any person is liable to such person in an amount equal to the sum of -- (  1 ) any actual damage sustained by such person as a result of such failure ; ( 2 ) ( A ) in the case of any action by an individual, such additional damages as the court may allow, but not exceeding {$1000.00} ; I expect them to comply with the federal a ct and they willfully violated the federal law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-30
Company: Hameroff Law Group, P.C.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
THese people continue to call my job after I have repeatedly told them to stop. It 's harassment and illegal. I am not allowed to have personal calls at work.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-19
Company: Shellpoint Partners, LLC
State: MN
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I am currently fighting with shell point mortgage company about the foreclosure of my property, i called 2 times the week of XXXX/XXXX/2016, spoke to XXXX different representitives from this company. i wass assured by both repersentives that after the last {$1000.00} + {$1600.00} i had prviously sent in that there would be no other fees and i would not be in foreclosure. Only to find out on XXXX/XXXX/2016 that they returned the {$1000.00} and that there were infact more attornies fees, so now i am back in foreclosure and having to pay {$2500.00} to save my house from foreclosure. So when i called they said that the intial {$1600.00} i paid had infact been applied to my past due balance and that i still owed more money even though XXXX seperate representives stated that it would not be the case. it seems that they are gouging someone who is struggling to save their home. i am considering taking legal action against this company.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
improper use of credit. inquiries were pulled without my authorization

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 2017-05-08
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, called Credit Collection Service s of  XXXX , MA is a debt collection company that continues to attempt collecting on debts I do not owe. It appears they are assigning me debts when they can not find the correct person, as they range from ambulance   rides ( paid   years ago by the insurance company ) and auto insurance that I either did n't have or prepaid in full for the term.     I called to ascertain the number of accounts in my name and for what they are for, including details, and I was denied any information. This is further evidence that the debts are not valid as they declined to give any information or details to me, the person they are attempting to collect from.     Please assist with this matter as I have made no headway.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
In  XXXX   XXXX , we began the short sale process an behalf of our clients,  XXXX  and  XXXX   XXXX . At the end of  XXXX , we were advised that while the  2nd l ien remained with  XXXX , the first lien had been transferred to  SPS fo r servicing. The short sale package was then duplicated  to SPS  on  XXXX   XXXX ,  XXXX . Since then , SPS  has done nothing but drag its feet in the processing of the short sale application, nit-picking documents claiming certain information was missing when it was indeed on the documents and then claiming not to have certain documents which we would then walk them through the package by page # to prove that the document was indeed in their possession. Since then, we have been told that we had a complete package and decisioning would take place within 21 days  (  from  XXXX   XXXX ,  XXXX  ) only to be told on  XXXX   XXXX  they might want a change in the amount to the  2nd l ien. When following up on  XXXX   XXXX , we were then told to significantly reduce the amount to the  2nd  lien whereas we already had approval from that lien holder for the short sale. We then revised and submitted updated HUD to the first and went back to th e 2nd fo r reapproval. We obtained new approval letter from the  2nd and submitted th at, along with the further revised HUD  to SPS. Due to SPS drag ging out the process, I requested that title audit the approval from  the 2nd  and had to make a minor change to the HUD. I have advised SPS that the buyer is getting an xious and that the buyer 's agent is going in for  XXXX  on the  XXXX  of this month and her ability to perform inspections with her client will be very limited. There is no reason for the process to have taken ov er six mont hs time and still not have a decision.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: EQUIFAX, INC.
State: OH
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:
There is a fraudulent charge of {$3100.00} from   XXXX   XXXX   on my credit reports. The account was opened on   XXXX     and closed   XXXX     I have never been a customer of  XXXX   XXXX  nor have I ever lived in  XXXX  Ohio, the address of the account holder.     I have filed a fraud check with  XXXX , case #  XXXX  I have filed a report with the  XXXX  Ohio police, #  XXXX  I have reported this information to all  XXXX  credit agencies.   I am a federal employee who was subject to the  XXXX  information theft.     A speedy resolution is very important as I am trying to secure safe affordable housing for myself and my children as soon as possible.     Thank you,  XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: Kriya Capital, LLC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
The dept collector, Credence, used my daughters cell number to contact us. Did not give correct return phone number. Caller was very abrupt and did not respond to my questions.

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 2017-05-08
Company: Navient Solutions, LLC.
State: SC
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
XX/XX/XXXX  - automatic  withdrawl was set up  with Navient to facilitate payment of mont hly payment.    XXXX    monthly payment of {$310.00} was taken out. The on  X/X/17  an additional {$9.00} was take n from the account   by Navient. This has not been the first time Navient has made unauthorized withdrawl from our account. This is why we cancelled prior automatic withdrawl agreement. This concern was brought to their attention when the new agreement was made. We were assured that this would not happen again.
If payment made manually and was late, my parents, who were co-signors would get up to 5-6 THREATENING calls/day. My parents have had to consult with lawyers due to nature AND FREQU  ENCY OF CALLS.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX 2021, Capital One froze my account based on fraud. I called them to clear it up and was sent to their XXXX Capital One Fraud Dept. They made me upload my Nevada Driver License, Social Security Card Number and a utility bill to verify my address location. THIS IS TERRIBLE that they are kyc'ng me after I've been with them for 20+ years. I called them several times in the following days to follow-up on my case ( card is frozen now and I guess I'm considered a fraudster to them ) and nothing has been done. They say they have 7-10 business days to review my case. Today is XX/XX/2021 and my card is still frozen. Its been 12 business days thus far. I truly believe I've been discriminated against by the XXXX capital one fraud team because I complained to them accusing them of discrimination, harassment and such. Because of my actions, they threw my case in the trash can. Today, they say they will call me back in 2-3 business days.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-27
Company: Servis One, Inc., Titusville, PA Branch
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I fell behind on my mortgage due to a hardship. My Mortgage was with XXXX Bank, who sent an Auction Notice, the house is being Auctioned on XXXX 2016, then I find out when I call XXXX Bank that they Sold my property to BSI Financial Services. On XXXX XXXX, 2016. I have written XXXX emails and phoned BSI Financial 4 times so far. Last call was today and they informed me that they do not have my information in there system! What! I am being foreclosed on and the bank who bought my property has no information in the system on this. The rep. I spoke to from BSI after telling me he can find no records transferred me to a Dept. who should know something about what is going on, where I had to leave my name and number. I know they wo n't call me back. Now what do I do? I do n't want to loose my home! This is total fraud. I am in limbo! Is my home still in foreclosure since another bank bought it ( XXXX Bank Sold to BSI Financial )? I read the rating from XXXX and it is an XXXX rating for BSI Financial as well as being famous for never calling you back as well as terrible reviews. I feel totally lost, scared exhausted!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-15
Company: ATLANTIC COAST FINANCIAL SERVICES, INC.
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I was working to get a mortage loan to purchase a manufacture home with a company called Atlantic coastal financial, at XXXX XXXX, XXXX XXXX, in XXXX, N.C..The owner XXXX XXXX XXXX and his loan processor, XXXX XXXX XXXX never had the paperwork correct, evertime I requested information, I got the runaround.They lied to me, and the real estate agent, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, N.C.She and I were told different things, the seller of the property, I was interested in became very disqusted, They set up closings, when documents were not in order.I real this a scam operation, and they need to be investigated on there practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-08
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
In my  XXXX   XXXX  Transunion Credit Report, I found   XXXX   XXXX   as creditor that says I opened on  XXXX   XXXX ,  XXXX  and was closed on  XXXX   XXXX ,  XXXX  with last reporting on  XXXX   XXXX ,  XXXX  with a credit limit of {$100.00}.     I never, ever had this account, but I am wondering why this should be included in my  Credit Record.      It further shows a contact details for Creditor :  XXXX   XXXX    XXXX   XXXX   XXXX     XXXX   XXXX , OH  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