BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-26
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
As of XXXX XXXX, 2016 " PORTFOLIO RECOVERY ASSOCIATES '' has resubmitted a debt that is not mine. New Debts in Collection Since your last update on XXXX XXXX, 2016, you have XXXX overdue debt that has been transferred or assigned to a collection agency. 
Debt Collector Original Creditor Balance Owed Reported By PORTFOLIO RECOVERY ASSOCIATES XXXX {$5200.00} XXXX This debt was removed then reactivated. Collections Accounts Removed Since your last update on XXXX XXXX, 2016, XXXX collections accounts have been removed from your credit report. 
Account Type Removed Status Reported By XXXX. Collections Removed XXXX PORTFOLIO RECOVERY ASSOCIATES Collections Removed XXXX The original amount owed according to XXXX was {$2500.00}. This should be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am being pursued by Portfolio Collections Agency, LLC via U.S. mail for XXXX credit cards which I have no recollection of having applied for. As a result, my XXXX credit report is negatively impacted. After carefully reviewing my credit standing with the XXXX major credit bureaus, I have traced my steps backward and forward repeatedly in an effort to try to recall how this could have happened. I have taken steps to call, email, and/or write in order to dispute any inaccurate information found with these credit bureaus, have gotten positive resolutions for most of my disputes EXCEPT with Portfolio Recovery Associates. 
I began contacting Portfolio Recovery Associates since XXXX XXXX, XXXX, and my experience has been like dealing with inept and poorly trained individuals with no interpersonal skills. They give inconsistent answers, they talk over me, they 're rude when asked to refrain from interrupting, they have poor telephone etiquettes, they lie consistently and twist my words around. They are evasive, enjoy playing mind/chess games, are short-tempered to the point where nothing gets accomplished at the end of my calls. 
I was told that credit card number XXXX ( amount {$930.00} ) was opened in XXXX and number XXXX ( amount of {$80.00} ) was opened in XXXX. Yet, when I lost my job, my home, and had to file a bankruptcy in XXXX, these XXXX accounts did not exist or they would of been included in the bankruptcy. I have proposed to them that perhaps my ex-husband may be responsible for these accounts or someone else may have fraudulently applied for these accounts. I have also asked that Portfolio Recovery provide me a copy of the original applications with proof of the signatures of both accounts, but I have yet to see proof of these requests. They 've even asked that I should contact the original creditors and ask them for the original applications. 
This company, their staff, and business practices need to be investigated thoroughly, fined, and put out of business. I am a responsible consumer who fell on hard times but this does not give anyone the license to take advantage of my misfortune. I wonder how many more individuals are going through what I 'm being put through? 
I want to see this matter resolved as soon as possible so that my credit standing with XXXX can be restore. 

Your effort in assisting me in bringing this matter to a final resolution will be greatly appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The company offered a settlement amount which I have satisfied and yet they tell me I need to pay the balance due since I did not get the last payment to them by the exact desired date that they desired. I have received numerous offers for settlements with different amounts and I chose XXXX and paid it. The Original bill was {$440.00} and they offered a settlement of {$220.00}. ( Note that it says " and owe nothing '' after you pay the amount offered ). I have attached the copy of the offer that I accepted and an additional offer that they sent as well just to show you the different options that came in. I have copies of my bank statements that show the payments I made but they sent me a list of my payments which are correct.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: NAVY FEDERAL CREDIT UNION
State: VA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The credit union close my auto pay and my bills was not getting paid and the funds was in my account, so the company 's reported late payment to the reporting company, my credit card was XXXX, lost I-I lost XXXX XXXX account and XXXX be cause of the late reporting on my account, they would n't give me a loan to pay the debt off without a co signer, I am qualified for the loan my income is the same I cant get a loan no where because of their conduct and lie about their conduct their acts has cause me unreversable harm How do I sue

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-25
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I provided several do not call requests to Regions Bank over the last few years. I am continuously told the only # that they are able to call is my mobile as I requested. However they have contacted my sister, mother, and XXXX year old grandmother, notified them that my account was in bad standings and have not contacted me directly neither in writing or by phone on the " only number they can dial '' as they 've told me multiple times. This is not the first time they have done something like this nor is this the first complaint I 've had to submit regarding Regions continuing to do what they want. I 've spoken to supervisors, managers, and even a regional manager, yet this continues to happen.

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 2015-09-06
Company: First Data Corporation
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I wrote check # XXXX XXXX XXXX XXXX XXXX XXXX on XXXX/XXXX/15. XXXXDue to a subtraction error it bounced. Subsequently I wentinto the the store and spoke with an assistant manager whowas supposed to tell the store manager that I was going to come in toward the end of the month and pay the check. 
I also wrote to XXXX XXXX, President of the store andcomplained of their tactics. 
Since then they have referred the check to Telecheck andTelecheck 's internal collection agency for collection. Theyhave also presented the check for payment FIVE TIMES ( XXXX, XXXX, XXXX, XXXX, and XXXX/XXXX/15 )!!! 
My bank paid the check on the final submission on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-25
Company: CREDIGY USA CORP.
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have XXXX debt collection agency trying to collect a debit from XX/XX/XXXX. I was XXXX and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a doormate or anyone else to get this info. I didnt keep it hidden I didnt think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: Cottonwood Financial Ltd.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
So much time has gone by and I was to humiliated to ever talk to the lender. The default finally made it 's way to collections and the people have threatened me with criminal charges.

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 2015-06-04
Company: Cottonwood Financial Ltd.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I keep getting calls and voice mails about a payday loan that my daughter owes. I 'm not a co-signer and I 've asked the company to stop calling me and leaving threatening voicemails for her. About a week ago I called the company back and told a rep to stop calling me or I would file a complaint and they promised me that my number was removed from their database and that I would not be contacted again. Well, today, XXXX XXXX, 2015, I received another " escalated '' call from the company.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-21
Company: MARINER FINANCE, LLC
State: MD
Product: Consumer Loan
Sub-product: Title loan
Issue: Can't stop charges to bank account

Complaint:
Mariner Finance garnished my wages without properly notifying me. XXXX XXXX XXXX and XXXX XXXX XXXX located in XXXX notified me that a Garnishment was placed on my account XXXX XXXX, 2016. I did not receive anything in writing stating they were attempting a Garnishment. I feel this is very unfair and unjust.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: Holloway Credit Solutions
State: GA
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:
I received a letter of an attempt to collect a debt back around XXXX and XX/XX/2016 from this third party collector. I in return sent the third party collector several Cease and Desist communications ( Which they verified they received ), well within the 30 days I had to response and the collector still placed this debt and called me on my credit report as late as XX/XX/2016, after receiving several Cease and Desist communications. After being notified that something had been placed on my credit, I called the third party collector to confirm date of receipt of this Cease and Desist Letter - and request removal from my credit because I communicated with them within the time frame they request. They told me that they " could not communicate with me unless I send in another letter removing the Cease and Desist communication. ''

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-01
Company: WELLS FARGO & COMPANY
State: IA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am writing to see about filing a formal complaint about Wells Fargo Dealer Services. The contact number I have for them is XXXX. I had an issue today with having a vehicle repossessed. I had someone here with XXXX XXXX XXXX XXXX hooking up my van to be towed away. At the same time I was talking on the phone with a representative from Wells Fargo Dealer Services and trying to get things figured out with them and removing my personal items from the vehicle. Well talking with the Representative from Wells Fargo on the phone he informed me that I need to listen to the repo men because one of them is in Law Enforcement as a deputy. I asked which one was the deputy and they both said they were not. So I informed the representative on the phone that and he said that then one of them is a reserve officer and threaten me with that. I asked these men and they both denied that. Finally the one man said he formally was in law enforcement but has since retired when he started working this job. The rep on the phone was trying to threaten me with the fact the these men were in law enforcement when they are not and was reminding me he did not say that and everything was being recorded on his end. 

I felt very threatened today by the representative from Wells Fargo and to tell me there was a Law Enforcement Official standing in front of me to intimidate me that was false has upset me the fraudulently misrepresented the repo team as Law Enforcement.

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 2016-06-17
Company: Vermont Student Assistance Corporation
State: WA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
For the last 3 weeks, I have contacted VSAC to inform them of a drastic, unexpected change in my personal and economic situation that prevents me from making the same level of payments on my student loans. Each time I contacted them, one person after another failed to help and made inconsistent statements about solutions. The latest email said I am eligible for at least 31 months of payment suspensions but they would not process this request even after I provided explicit documentation that my expenses nearly match my income at the moment and nothing will change in 6 months. I requested the maximum time of forbearance and VSAC has still not processed the request. Instead, they have wasted my time by making me call them instead of engaging in an efficient and effective written dialogue by email. This means that instead of actually solving the problem, they waste my time on a Friday ( a working day ) to have to call them and STILL they do not solve the problem or process the request in a timely manner! On XXXX XXXX, I called them and it took nearly 15-20 minutes before someone answered the phone and even then, they filled out a request that had the WRONG period of forbearance from what was requested and discussed on the phone and the written request I made so many times with supporting evidence. It is beyond frustrating that on top of my own personal and economic hardship issues, I have to deal with VSAC and the level of inefficiency and incompetence in their practices in dealing with me as a borrower. I have consistently made payments over and above what was required and all I need is some help for a longer period of time till I can improve my financial situation and get to a point where I am able to make the SL payments and still survive! I can not do that if VSAC and other agencies such as ACS-Education refuse to work with me reasonably and instead make it more difficult for me and then this impacts negatively on my credit and my ability to improve conditions. I need your help to solve this issue urgently and quickly for a long term solution. I need the maximum forbearance that I am entitled to and eligible to the extent of at least 31-36 months without impacting my credit so taht I can try recover from the drastic change in my economic and personal circumstances. Six months is NOT enought and I need your help to convey that and get a more balanced, reasonable solution to my student loan debt burden. Thank you.

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 2017-03-09
Company: HYUNDAI CAPITAL AMERICA
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had set up a post dated payment for later in the week when they called to collect on my normal monthly payment that had been late due to an issue between their system and my bank 's system. That money was pulled early, and then brought me to below the amount needed for other bills. I called to see if they could refund it, but could n't without waiting 7 days and then sending a check. They suggested I contact my bank, so I did, and they were n't able to refund the money soon enough either. Then, over a week later, they called me saying that my payment was late and they needed it. It turns out they submitted the refund of the money, and then it brought my account out of being current. They could n't tell me why they did this, and then asked for the money

Company response to consumer: Closed
Consumer complaint received 2016-07-14
Company: RAB PERFORMANCE RECOVERIES, LLC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
A credit I obtained during college over 12 yrs ago was n't paid off. I have no idea what the actual balance is since I have n't rcvd any docs to support. I rcvd a notice of garnishment a wk ago, and the garnishment began today. The dates on the docs are from 2011 and at an address I have n't lived at for over 5 yrs. It was signed by someone I do not know and the person was n't at my home. I think it could 've been a groundskeeper at that apt complex. The court told me a notice was also taped to the door according to RAB Performance. Again, I had no notification of any court dates. I have since been told there is n't anything I can do at this point since I did n't attend the court date. I was also told I could n't appeal the decision since it 's beyond a certain number of days, but had I been properly notified, I would 've been able to attend court and/or appeal the 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 2023-02-04
Company: EQUIFAX, INC.
State: PA
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:
i have try over and over to fix this problem. they have not fixed the errors in my consumer report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: Klima, Peters & Daly, P.A.
State: MD
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Follow up to previous Complaint # XXXX filed on XXXX/XXXX/16, XXXX XXXX XXXX is attempting to obtain a Writ of Garnishment against my pay filed on XXXX/XXXX/16 ; after falsifying documentation as the creditor and continuing on a judgment obtained by lying to the Dist. Courts of XXXX XXXX stating that I moved and served docs to locations/addresses where I would never receive notification to defend/appear in court. Current creditor Peroutka is currently seeking a pre-judgment amount plus {$940.00} in legal fees. Peroutka has now provided legal documentation that the debt was transferred to his law offices and that the debt is not time barred that they are trying to collection upon. Peroutka law offices needs to stop the Writ of Garnishment obtained under false pretenses and fraudulent docs submitted to the courts. I am also seeking legal counsel to sue the law offices of Peroutka, Miller, Kilma & Peters, P.A.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-29
Company: Omega RMS, LLC
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 is not mine

Complaint:
I joined XXXX of XXXX ( club # XXXX ) on XXXX/XXXX/XXXX. 

On XXXX XXXX, XXXX I was provided notice from XXXX corporate that XXXX XXXX ( club # XXXX ) would be closing on XXXX XXXX, XXXX. 

On XXXX XXXX, XXXX, I provided XXXX with written notice to cancel my membership as a result of the closure and I stopped paying membership dues for the XXXX XXXX XXXX XXXX. 

In reviewing my credit report, I discovered that the remaining membership dues were sent to collections ( OMEGA RMS # XXXX ). A consumer should not be obligated to pay club dues for a club that is no longer open, however, the collection agency continues to report this matter to the Credit Reporting Agencies, this has a negative impact on my credit score. 

For additional information, please refer to the NYS Attorney General Investigation relating to XXXX. 

Your assistance in resolving this matter and clearing up my credit report is greatly appreciated.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my full balance with capital one on XX/XX/2022 and they charged me interest on XX/XX/2022. Which was paid before the billing cycle. I called to see if it could be forgiven and they advised there was nothing they could do. They told me it was interest from a late fee that was forgiven and taken off my account. The interest fee was not forgiven totalling {$15.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: Radius Global Solutions LLC
State: FL
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 keep getting collection calls from Central Credit XXXX regarding a debt that I do n't owe. I 've called them and they say my phone number is not in their data base, but they will put me on their " do not call '' list anyway. The calls are continuing. 

I had the same problem last year with XXXX and it turned out that someone had their phone forwarded to my number. Central Credit does n't want to listen to any possible resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation