BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-30
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Portfolio Recovery Associates is engaging in flagrant violations of the Fair Credit Reporting Act by continuing to report a debt and derogatory mark that they had agreed to delete from my credit report. They deleted the derogatory mark from the credit report on XXXX. However they have not deleted the derogatory mark from XXXX or XXXX. Portfolio Recovery Associates is engaging in unfair and deceptive business practices and is flagrantly violating the Fair Debt Collections Practices Act and Fair Credit Reporting Act. Portfolio Recovery Associates is engaging in retaliatory and illegal behavior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
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 is not mine

Complaint:
An acct was opened in my name with XXXX XXXX. Once I discovered this, I informed XXXX XXXX that it was not my debt. The account was charged off at some point and removed from my credit file in XXXX XXXX. I received a notice from Portfolio Recovery Services on XXXX XXXX, XXXX questioning the debt. i informed them in writing to stop calling me constantly about this debt. I also asked them to verify this debt in 30 days. They added the debt to my XXXX credit files in XX/XX/XXXX without providing proof that the debt is mine. The credit bureaus continue to report this debt and state that is valid. Portfolio Recovery Associates only sent me a collection letter and a XXXX XXXX statement from XXXX as verification on XXXX XXXX, XXXX. Which is not validation of this debt. I responded to their letter on XXXX/XXXX/XXXX asking them to remove this debt from their records and my credit files because they did not validate this debt with me. They just added it on my credit file as they saw fit.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: RI
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem accessing account

Complaint:
I'm a Simple customer attempting to transition to BBVA. The transition started XX/XX/2021 but I have not been able to complete it due to various errors in their system. As a result I can not see my bank balance, make deposits or withdrawals, see my transaction history, etc. My card does still work and auto payments are being deducted as expected. BBVA has made several vague tweets about the issue but has not contacted me personally ( via email/phone ) and I was not able to reach a support rep via phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-31
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been requesting a mortgage pay-off for the last 4 years but the lenders involved have not provided one for me. They submitted a pay-off in 2014 with the amounts they say are owed but the figures were not correct ; they lumped everything together and wo n't separate the amounts. There are monies I 've paid that are not reflecting on the pay-off they provided in 2014. They have kept my house in foreclosure for seven years and I have submitted modification packets 30+ times but they say they have not received all of my documentation the 30+ times I have submitted it. All I need is a correct pay-off with the lumped amounts separated so I can refinance with another company since it is evident, after seven years, they will not do a modification for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Willful non-compliance as per FDCPA XXXX. False or misleading representations XXXX XXXX XXXX On XX/XX/XXXX I wrote to Portfolio Recovery to request validation of a debt they claim I owe {$1100.00}, and I formally disputed this claim. I not only disputed their claim but requested my signature as validation of this debt within XXXX days of receiving my request. They not only failed to provide me with validation they continue as of today XX/XX/XXXX to still report to the credit bureaus which has been detrimental to my credit score for a debt that they are unable to validate as mine. I sent a second letter on XX/XX/XXXX to which they responded that they would no longer respond to me and would continue to report the debt as valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, Portfolio Recovery Associates has failed to deliver validation of debt. The only response that I received was the deletion of Portfolio Recovery Associates trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that Portfolio Recovery Associates was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of Portfolio Recovery Associates not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
This dispute is in reference to judgment file # XXXX in the amount of {$6000.00} which was paid off XX/XX/XXXX. On that date XX/XX/XXXX I attached payment documentation along with the final payment, sent in a certified package XXXX. XX/XX/XXXX I talked with XXXX and he inform me that there was an outstanding balance in the amount of {$4100.00}, after talking with him for several minutes he then said the balance was {$500.00} which I told him it was incorrect and the balance was {$0.00}. XX/XX/XXXX I call their office again to see if they had corrected my account I talked with XXXX XXXX and then transferred to XXXX XXXX who informed me that they were still investigating matter, my response was that you have had over 30 days to investigate this. XX/XX/XXXX I talked with XXXX XXXX she said the balance on the account was {$120.00}. which was because of the money order dated XX/XX/XXXX could not be account for, so I call the money order company and confirmed the money order was not cashed. I call XXXX XXXX back the same day and informed him the money order had not been cashed. I also informed that the issuing company was only going to replace {$100.00} of the money order due to the age of it. She said they would absorb the {$20.00} and to just send them {$100.00} which I did XX/XX/XXXX. XX/XX/XXXX XXXX sent me a letter stating that my current balance on this account is {$3800.00}. I have all my payment receipts which total the amount owed. I would appreciate any assistance you can give to help resolve the matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
My wife notified Portfolio Recovery Associates , LLC via certified mail to stop contacting us about a debit that is over 10 years old. We then received a letter from them ( attached to this complaint ) demanding that we provide them with her tax payer ID as the XXXX regulations ( unspecified ) requires them to provide that info to the XXXX. I do not believe that this is true but as they are indicating in that letter than we might be fined by the XXXX up to {$50.00}, I wanted to check and be certain before I provide her SSN number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX/XXXX/15 I requested Portfolio validate an account appearing on my credit report. They have yet to respond to the request.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates is showing they are a factoring company on an old debt which they are not as well as they are trying to show revolving account with past due monthly payments being missed which collection accounts can NOT do. Filed a complaint with the PRA ombudsman as well with no luck. Illegal and shady practices by PRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received this phone number XXXX 2015, Started receiving calls from Portfolio Recovery soon after looking for a XXXX. I informed them several times XXXX no longer had this number but keep receiving phone calls after they promised to remove number. They are still calling!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: F.H. Cann & Associates, Inc.
State: WA
Product: Debt collection
Sub-product: Federal student loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
They sent me a letter threatening to take legal action against me if I did n't take action to pay off my student loans so on Friday XXXX I spoke with a lady from FH CANN I told her that I was already doing a loanRehab with XXXX through the Department of Rd she ask me what was my payments and I told her {$5.00} a month and she told me that {$5.00} was n't feasible for them and they will need more money than that she was so rude about the situation and also I would Like them to contact me only not my job

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OK
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
The agent who called, identified herself as a collections agent from Portfolio Recovery, and proceeded to release information about a debt I allegedly still owe, to a person who clearly identified themselves as not me. This is a violation of FDCPA, and CFPB. They are also trying to collect on a debt that is more that 10 years old.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX, I had a vehicle repossessed due to a late payment. They just came and took the vehicle so I thought that the matter was closed. Now, XXXX years after the fact, this 'collection agency ' continues to call at all times of day, all days of the week. I 've blocked their number and all they do is use another number. They 've used at least XXXX different numbers and my block list is now filled. I 've even gone so far as to have my number changed and had it unlisted and unregistered. Despite this, they somehow were able to get my new number. The statute of limitations has long past and I 've told them directly that I have no intention of paying them a dime. Checking their record on 'reverse yellow pages ', apparently mine is not an isolated case. Their practice extends to XXXX of people in nearly every State. Please SHUT THEM DOWN. Thank you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-09
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
For years Toyota finance has reported a late payment on my former account that never occurred. I have attempted to address it directly with them and through the credit bureaus, but the matter has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-12
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
We have made this complaint earlier this year. First Niagara has been taking out NSF fees when they were not supposed to. 
Their policies and procedures seem to change between each person.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery has been calling me since 2002. At first they told me I owed almost {$2000.00} on a closed out XXXX card and had to pay it, I asked what was purchased for that at XXXX and when. The could not tell me when it was purchased but the cost was {$79.00}. I then asked how it became almost {$2.00} and they said that it was never paid and that was the interest that accumulated until the account was closed. I told them it was paid for and they said I had to show them proof of payment. I told them I closed the account XX/XX/XXXX and had no more proof since I had gotten rid of all my old bills. Since then they keep calling me and telling me I have to pay them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-26
Company: Key 2 Recovery, Inc.
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have a parment arangment for my student loans that were owed to the educational facility that I attened. I have authorized and setup a automatic set payment monthly on what I could afford with in my budget, the company key XXXX recovery is the company the arangment was set with. They Continue to call and harass me about this arrangements, stating that at first it was okay but they need more now. They inappropriately tell me to seek childsupport because I 'm a single parent or to borrow the money for me to make higher payments each month. Threatening wage garnishments if I ca n't make a large percentage payment. In the matter of XXXX day between XXXXXXXXthey called me XXXX times leaving XXXX voicemails.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: MD
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
I have an issue with a transfer that was completed when I left the Ace Cash Express on XXXX/XXXX/2016. The receiver stated that the money was not available when promised and today after checking the money gram website it no longer exist. I did not cancel the transfer nor did I receive a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: BBVA FINANCIAL CORPORATION
State: NM
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Saturday XX/XX/XXXX BBVA transferred my simple account to their banking platform. Nothing went right for me ( or millions of users ) and I now am locked out of my own account. Cant access my funds. Cant see how much I have in my account. Nor use my debit card. 

XX/XX/XXXX I have been calling their customer service only to get hung up on repeatedly or they ditch the call by claiming to not hear me. Im not alone in this. BBVA needs to be held accountable for having MONTHS to figure this out and failing. While also financially screwing thousands, if not millions out of their own money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-09
Company: V and H Portfolio
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I settled out a collection account, as settled in full, and it is still appear on my credit reports. It does not show that they were settled or anything. They appear on my XXXX  and on my XXXX  Credit Reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-24
Company: ID Analytics, Inc.
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
i applied for a car loan and the auto dealer received 2 credit reports, one from XXXX, which gave me a score of XXXX, and one from sagestream , llc which gave me a credit score of XXXX. i called sagestream numerous times to discuss the score i received but they failed to return my call. The address for sagestream is XXXX, california XXXX. The telephone number is XXXX. 
I would like this company to respond to my inquiry.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: M&T BANK CORPORATION
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have had m & t as my bank for many years. Every year 2 times a year they take from my account {$14.00} for direct deposit. My checks are directly deposited very month. I called them yesterday about it and they refuse to reimburse me. So for over 10 years they did this and it cost me XXXX dollars a year. It 's due to their computers. Not my checks.

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 2015-11-25
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: NC
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/2015 I made a payment of {$60.00} through MoneyGram to put on my XXXX for my cell phone bill. I have been with XXXX now for over 4 years and I never had any problems until now. However, money gram transferred the money to my XXXX account but, XXXX said that they did n't receive any funds. Soon as I loaded the money on the card I called my phone company to pay my bill and they said that it was declined. Now that is impossible because Money gram verified that they immediately released the funds to XXXX and now the card says declined. So I immediately called Customer Service for XXXX and they had me on hold for a little over an hour. So once I finally reach a representative to tell them my situation they instantly tell me the system is down and that they 're having technical difficulties and they wont be able to access any of my information. So every day I called them and the same thing kept happening, either no answer or the line goes busy and the phone shuts off. Finally I reached a XXXX representative exactly 1 month later on XXXX XXXX 2015, and she accessed my account and told me that she actually saw the transaction that was made on XXXX XXXX 2015, but she could n't provide anymore information because they were still having technical difficulties with their system. But however she assured me that within 3 business days my money would be back in my account, and now here it is XXXX XXXX 2015, and still nothing has changed my account is still empty. Could someone XXXX help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-10
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
ATTN Collections Dept I am submitting a complaint in reference to this company knowingly reporting inaccurate data. My credit profile is affected by these penalties, preventing my creditworthiness, due to these companies. I demand proof of the purchasing agreement? Valid Authorization/ proof of alleged debt. XXXX without valid proper disclosure requirements are in direct violation of my consumer rights. I legally requested a description of the details of the verification process used to verify this alleged account. Federal law requires you to respond in XXXX ( XXXX ) days to failure to comply with these federal regulations by the FTC XXXX XXXX, et esq. I am maintaining a careful record on my communication with your company. Thank you, I look forward to resolving this expeditiously

Company response to consumer: Closed with explanation