BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-10
Company: CASHCALL, INC.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy XXXX XXXX, this was XXXX that was discharged. This should not be on a collection. This company keeps harassing me about paying this in full and saying they have sent me numerous letters and changing or adding different dates this was taken out. The date XXXX XXXX which states this was done is yet another date. I did not contact or except a cash advance from this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I found fraudulent charges on my checking account twice, citizens bank did not catch these transactions. After filing the paperwork to have them investigate these charges and opening a new bank account with citizens bank they placed the compromised account in " credit only '' status and the account had a XXXX balance, it was suppose to close 7 days later. This was XX/XX/2016, today is XX/XX/2016 and citizens bank informed me I owe them {$140.00} that has since been withdrawn/overdrawn. How did this happen? If it was at XXXX dollars, did bank fees cause this? More fraudulent charges? They ca n't tell me why, they are '' looking into it ''. To add insult to injury, I received a new debit card with the chip in the mail which I called to activate because it would n't work at an ATM. Customer service assured me that they activated the card. So I go grocery shopping and go to pay and the " transaction is not approved ''. I could n't use the new debit card as a credit or debit card. After 1.5 hours on the phone with XXXX different customer service representatives they believed I would not have any more problems. However this debit card was issued for the compromised bank account I thought I closed over two months ago. Needless to say the PIN number did not match and now they have to send me a pin reminder. Apparently today after another 45 minutes speaking with customer service that is what the problem is. I do n't believe any of them. And citizens bank is still claiming I owe them {$140.00} in order to close the other bank account. Is n't a bank suppose to protect your money and help their customers? I feel like between the XXXX branch that originally " closed '' my compromised account and card services that issued me a new debit card for an inactive, compromised and closed account what are they doing??? I do n't make a lot of money and yet they keep taking more and XXXX me!!! I have lost all faith in this institution and ca n't wait until the last couple of bills I paid clear so I can CLOSE my account and get out of there. I wonder how much money they take from people that are n't paying attention. These people are crooks and this is a crime! Citizens bank is awful, do not bank with this company!!!!!! There are so many banks out there, I am sure I can find one that is willing to protect their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-18
Company: PNC Bank N.A.
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Other transaction problem

Complaint:
I was attempting to get a medallion signature for my XXXX XXXX annuity claim after his death on XX/XX/21. Not only was I dismissed by XXXX XXXX on multiple occasions, but he was poorly informed and did not provide the assistance needed to get a notary signature. 

I was an intermediary between XXXX XXXX and XXXX financial. This started in XXXX and required XXXX visits to the PNC bank in XXXX XXXX. The issue was that XXXX XXXX insisted on a complete statement from XXXX XXXX showing the annuity was invested in a security. XXXX stated they could not do that and felt that it was unnecessary. I have XXXX XXXX who did not have to go thru this harassment and were able to get their claim satisfied which is why I am reporting XXXX XXXX 's behavior. 

Finally, I was helped by someone other than XXXX XXXX and was able to get a notary signature. I was told by XXXX XXXX  that a medallion signature was not necessary despite XXXX XXXX 's insistence. All that was required was my driver 's license and validation of my signature. 

It has been difficult enough to lose my XXXXXXXX and another to be treated with such disregard. I am XXXX XXXX XXXX and have never filed a complaint against anyone. However, his behavior needs attention and XXXX XXXX needs sensitivity training and reeducation on how to handle annuity claims.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-22
Company: Pinnacle Credit Services, LLC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Refusing to verify debt, and refusing to verify identity of debt collection company. Sent insulting communication back to my attempts to correct their records.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: Optimum Outcomes, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have attempted, for several years, to get Optimum Outcomes to provide me with written copies of the original medical bill and the Explanation of Benefits from my insurance company showing that I did not owe this account. I have disputed this account that is showing on my Credit report. I have contacted the hospital and their XXXX, 3rd party billers and they all show that I do not owe them any thing. I have a copy of of the Explanation of Benefits that show that this account was settled by the medical office. I have been denied a mortgage loan because of this false collection account.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
My name is XXXX XXXX XXXX XXXX XXXX, my father is XXXX XXXX XXXX. Portfolio Recovery Associates is continuing to report an item on my credit report ( s ) to XX/XX/XXXXXX/XX/XXXXand XX/XX/XXXXthat is not mine. I have never opened an account with XXXX XX/XX/XXXXor Portfolio Recovery Associates. I have made several written disputes with Portfolio Recovery Associates and XXXXXX/XX/XXXX under Section 609 of The Fair Credit Reporting Act which requires both of them to produce specific items, including but not limited to authorization to pull credit reports and copies of contracts and/or agreements. As of the submission of this complaint neither XXXXXX/XX/XXXX nor Portfolio Recovery Associates has complied with my request in violation of Section 609 of The Fair Credit Reporting Act. I am once again attaching specific notices under Section 609 FCRA that REQUIRES XXXXXX/XX/XXXX and Portfolio Recovery Associates to comply with. They can not comply with this notice under Section 609 FCRA because I did not have an account or agreement with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-15
Company: JPMORGAN CHASE & CO.
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:
Unrecognized credit pulls on credit profile

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
Portfolio Recovery Associates called my employer in an attempt to recover a valid debt, causing me stress, embarrassment, and conflict at work. They are also calling me about an invalid debt that I do not own as well. XXXX is very deceitful and ruthless -- after careful review of my credit report they are reporting as a " factoring company '' which is one who buys corporate receivables at a discount not a XXXX dealing in uncollected bad debt. This is illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: ERC
State: IL
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:
I received a collection notice from Enhanced Recovery Corporation, XXXX regarding a debt that is not mine from XXXX XXXX in the amount of {$2400.00}. I have never had an account in my name with XXXX XXXX. I checked all XXXX credit bureaus XXXX XXXX and all do not show this alleged debt. My credit score is XXXX and I am concerned that this action will affect my excellent credit score.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-23
Company: ERC
State: AL
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:
I paid charter communications through Enhanced Recovery system and it is still reporting unpaid. I have proof letter from them. Account # XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-22
Company: CITIZENS FINANCIAL GROUP, INC.
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I had a home equity line of credit with Citizens Bank. While in the process of refinancing this loan with another institution, Citizens Bank made a partial payment from my Citizens Bank online checking account which resulted in a debit of {$56.00}. Even after the payoff was completed by my other bank, Citizens charged my account {$90.00} in over draft fees. 
Since Citizens Bank created the overdraft in the first place I want the fees to be negated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
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:
i got a bill from a debt collector co today XXXX/XXXX/2015 saying that they are working for XXXX XXXX the phone co XXXX i call XXXX and asked about this bill and the co trying to collect this bill for them.. XXXX bill was 5 years old ) AND PAYED..i was told by XXXX that they never gave the right to this in thair and the bill was very old and payed..that bill collector is portfolio recovery associates llc of XXXX va using a XXXX XXXX XXXX XXXX..this bill is NOT DUE them or XXXX it was payed it looks to me that this co is just looking to get money not due them, and now it showes up on my credit report too..what can a person do to stop this type of thing ..they are useing my credit report to get money out of pople how they dod this on bills not due ...

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I filed bankruptcy in XXXX XXXX I included Portfolio Recovery in the case. In XXXX XXXX they put in my credit file as a collection which affected my credit score. This same bill was included in chapter XXXX. I already included them in the plan so they came back a year and a half later put it as collection. This is double jeopardy because it had already affect my score when they put negative account and then they put in as a collection which hurt me on trying to reestablish credit. They told me it will be removed XXXX XXXX. This is not a fair act.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-22
Company: JPMORGAN CHASE & CO.
State: CO
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Reference : XXXX Complaint against Chase Bank Credit Card services. 
My complain is against the XXXX procedures. All your announcements indicate you are totally dedicated to support and protect the public. In my case number listed above that was not the case and proved that the BCFP was in league with the Chase Bank against me. 
I made a complaint against Chase Bank. Details are provided in my complaint. My complaint was passed to the Chase bank who responded. I was sent the response and made a rebutall that had significant information to contradict the Bank statement. In the meantime the XXXX stated the case was closed and my rebutall could not be forwarded to the Chase Bank. That is not in the interest of the public ( Complaintant ) but protects the Chase Bank. This process needs to be changed. I also ask for a review of how my case was handled by BCFP staff. My rebutall needs to be sent to Chase Bank. Basically deducted {$79.00} per year since XX/XX/2004 for a total of about {$1000.00}. without my aithoroty to make that deduction. My rebutall tells why Chase Bank is at fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: COAST PROFESSIONAL INC
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am filling this information out myself, I have not been helped by anyone else. 

I received a collection notice from Coast Professional , Inc stating I owe a debt. I have never done business with this company. They have violated my rights as a consumer several times in this letter by stating I owe a debt, also using profane language or language the natural consequence of which is to abuse the hearer or reader.

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 2016-05-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
Caller, XXXX, phoned on Sunday. I asked her to please not call on Sunday. She ignored my request and kept on talking. I tried on at lease two occasions to interrupt and then asked to speak to supervisor. I was connected to supervisor who told me I would be removed from call list. I believe I was a victim of harassment on XXXX part in that she talked over me and ignored my request to not be called on Sunday, a religious day of rest from conducting business.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AK
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a XXXX account that was paid off in XXXX and closed and a XXXX account I paid off in full in XXXX. In the year XXXX I began receiving phone calls from PORTFOLIO RECOVERY saying I owed this money and they wanted a payment or bank info THAT DAY. I refused. I asked them to send me the information they had and they REFUSED. They would n't even verify my SS # or birth date over the phone. There is NOTHING on my credit report for XXXX XXXX and the XXXX XXXX account says balance is XXXX and account closed. These people have completely destroyed my credit. I REFUSE to send ANYONE money just because they call me and tell me I owe them and they want a payment today. I have tried talking to them, explaining the situation, and they tell me they want me to send them proof that I paid these off? This is at LEAST XXXX XXXX XXXX. I did n't save anything. Once I paid off my cards, closed my accounts I through it all away thinking I would NEVER need it again. I 'm at my wits end. I sent them a letter, but they are relentless and going online I have found hundreds and hundreds of people going through the same thing as I. I can not rent an apartment, buy a new car, or do ANYTHING I need credit for. I do n't know what else to do. I DO NOT OWE THIS MONEY and I believe they badger people like me to pay AGAIN knowing we can not do anything without credit. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-18
Company: The Law Offices of Mitchell D. Bluhm & Associates
State: NE
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Impersonated attorney, law enforcement, or government official

Complaint:
I was sent a letter from a law firm, XXXX XXXX XXXX about an alleged account for {$440.00} that they acquired from another collection agency on XX/XX/XXXX. They offered a 5 % discount for paying them on or before XX/XX/2021. I noted many violations of the XXXX in this initial letter. I sent a letter in response and asked for validation as well as a cease and desist demand if unable to, on XX/XX/XXXX. The XXXX XXXX sent me a response to my letter, that is dated in the letterhead as XX/XX/2021, and again implied that the letter was from XXXX They also violated my privacy by sending me a statement that displays my alleged XXXX XXXX I have just sent off a XXXX letter, XX/XX/XXXX, pointing out there violations. I feel defamed, embarrassed, threatened and violated by these letters and their disregard for my consumer rights.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-04-10
Company: DISCOVER BANK
State: CA
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:
Purchased phone case over the internet from XXXX XXXX. Case arrived and was not as described. Logo was a sticker on a phone case. The item described was a logo infused into the plastic case. I contacted merchant who wanted me to return the item to XXXX for {$35.00}. However, the item was received from Kentucky and only cost {$25.00}. This made no sense. I issued a credit card dispute with Discover and was advised there was nothing they can do. The internet Provider is allowed to XXXX me for false advertisement of merchandise and force me to send it to XXXX to avoid people from pursuing a refund. This is fraud and Discover Card is promoting it and forcing their customers to pay it. This is WRONG!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-10
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Checking or savings account
Sub-product: Savings account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
XXXX $ were transferred from the bank of America my account to someone Bank of America account. I reported this to Bank of America XX/XX/2020. 

Bank of America did primary inquiry and told me on the phone that since the IP and device the same as always. They are not going to refund the money.

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 2016-04-02
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
these collector they have been using bad tactics, ant on top trying to intimidate me, and also they have been REAGING those accounts, some time ago almost loss my job because they were even insulting the secretaries, I want to get off of this the only thing they trying to do is TO RUIN my life, it is very sad.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-30
Company: Big Picture Loans, LLC
State: NC
Product: Payday loan
Issue: Can't stop charges to bank account

Complaint:
hi my name is XXXX XXXX and I recently received a loan from BIG PICTURE LOANS for {$800.00} and I was told that I would be paying {$1000.00} back for borrowing that amount and that I have options to pay it back however I like. At the time that I took out the loan I had no idea what I was getting into until I had already received the loan and then I was informed that I would be paying it back twice a month rather than once a month. I have contacted them multiple times to tell them that there is no way that I could possibly do that given my current job situation and they had told me that they would work with me if necessary not to worry about it, so when I contacted them back to try to come up with a resolution for this they wanted no parts of helping me and they continually take money out of my account every two weeks and it is about to make me lose everything I own because I do n't have it like that to pay them like that. I have already reached the amount of money that I borrowed plus the {$280.00} that they said they were going to make off me and now when I talk to them they tell me that until I actually send them the total amount in full ( {$1000.00} ) again all at one time that they are going to continue to take money out of my account until they make some absurd amount of ( {$6000.00} to {$8000.00} ) which I most certainly can not afford given my current situation. do I have any options and if so please let me know. I bank with XXXX XXXX XXXX in XXXX XXXX I work hard to take care of my house XXXX step kids and my girlfriend as well as my animals. I have also lost my cell phone account and have defaulted on XXXX credit cards as well because they did not live up to their end of the deal. I am at my wits end with this and need help! PLEASE! also this very day while filling these forms out I tried contacting them to get my loan number and the first guy said I could not have it and then proceeded to hang up on me so I called back and the next person gave it to me. What a joke of a company and absolutely no way to do business I also have proof of this as all my calls are recorded as well for " quality assurance ''.

Company response to consumer: Closed with explanation