BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Never received any notice of debt in three years, debt pops up on credit report. Contacted company to verify debt, they refused to send out any information. Finally decided to give up and see if they would settle the debt for a lower amount because I am trying to get a house and can not have this on my credit, they refused to send me any information by mail, or even email and told me I could pay a lower amount. The next day they called me and said unless I paid right that moment, they were taking away the offer. They threaten with wage garnishment and legal action, all while REFUSING to send you any information on your debt or agreement to pay!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
( Below is the last correspondence I sent to IQ data, that explains the nature of my complaint ) This Letter shall serve as formal notice of my Intent to file a lawsuit against IQ data, due to your blatant and objectionable disregard of the law. 

In correspondence dated XXXX, you received a demand for validation and cease communication letter from me delivered to you via certified mail. Your response merely contained verification of the debt and had no contractual agreements and original term agreements I had requested. Thereby this account was not validated. 

The FDCPA states you must cease collection activity until you have produced validation of the alleged debt if so requested. As per the FTC, this includes reporting to the credit bureaus, which you obviously have done illegally. It is quite evident that no such proof of this alleged debt exists or you would have provided it by now. 

I 'm sure you are aware of the consequences in violating the Fair Credit Reporting Act and the Fair Debt Collection Practices Act as well as the multiple violations your company is now responsible for. If not, let me point them out for you. 

FCRA1. 623. Responsibilities of furnishers of information to consumer reporting agencies [ 15 U.S.C. 1681s-2 ] ( a ) ( 3 ) - Duty to provide notice of dispute. 
2. 611. Procedure in case of disputed accuracy [ 15 U.S.C. 1681i ] ( 5 ) Treatment of inaccurate or unverifiable information. 

FDCPA1. 805. Communication in connection with debt collection [ 15USC1692c ] ( c ) Ceasing Communication2. 809. Validation of debts [ 15 USC 1692g ] As per the FDCPA : 813. Civil liability [ 15 USC 1692k ] ( a ) Except as otherwise provided by this section, any debt collector who fails to comply with any provision of this title 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 $ XXXXXXXXIf you wish to resolve this matter, this will be your last opportunity to do so. The account must be deleted from my credit files with the XXXX major credit reporting bureaus ( XXXX, XXXX, XXXX XXXX and XXXX ) within 2 weeks of your receipt of your receipt of this correspondence and you forward a letter stating the item will be removed and will not reappear on my credit reports again by you or another collection agency.

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: EQUIFAX, 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: Account status incorrect

Complaint:
On XX/XX/2022 I started dispute processes with XXXX, XXXX, and Equifax to dispute the 16 open XXXX XXXX accounts that were still showing as open since XX/XX/2022, although my loans were transferred to XXXX starting in XX/XX/2022. XXXX is showing my loans as consolidated on all three credit bureau 's, which is correct. My issue is with XXXX XXXX who's loan transferring process is inadequate as they have failed to properly update my credit reports with the three credit bureau 's. I called XXXX XXXX in mid XXXX prior to XX/XX/XXXX and requested they correct this information as it should have been done after transferring my loans to XXXX. XXXX XXXX has a very time consuming process of printing a form to correct credit issues and mailing it back. This should have been done as apart of the loan transfer process. So I decided to go directly through the credit bureau 's for a faster result, XXXX and XXXX have properly updated my credit report to XXXX  out the balances with XXXX XXXX and closed the accounts. Equifax has failed to correct my credit report because XXXX XXXX is reporting to them that I still have a balance with them and that the account is still open, this is false, although my XXXX XXXX website dashboard shows loan balance as {$0.00}, XXXX XXXX is still reporting inaccurate information as if my student loans are still held by them and their not.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: CITIBANK, N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
This complaints regards to a undelivered account opening bonus promised and confirmed by citibank. On XXXX 2016, I opened a new Citi gold interest checking account with an opening bonus to receive XXXX AAdvantage miles when certain requirements are met. When I got my card, I contacted the customer service to confirm the offer. Also after I met all the terms of the promotion, I called again and the customer service representative told me that I should receive my bonus within three months. Now the three months passed by and I have n't received the bonus. I contacted citi again and now they said I am not eligible for the offer. Even though all the previous calls I made, they said I had the offer, met the requirements and would get the bonus. The citi representative today refused to open a case, investigate the issue or provide a solution. I think this situation has be very troubling, deceiving and unethical on the part of citibank.

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 2017-02-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: WA
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:
XXXX I was exiting a apartment complex XXXX XXXX. 
At the day of move out the manager did not give me anything to sign. She stated she would mail me any paper work and I thought she would refund any difference in the security deposit if they needed some repair living their 2 yrs. ( XXXX XXXX XXXX was the prop mgmt ) I left it very clean and they verbally stated it looked great. 
I had a federal suit for fraud against XXXX and XXXX for rent issues and denying reasonable accomidation. This case is filed in XXXX state. XXXX began having IQ DATA International phone and harass me by phone in XXXX and XXXX XXXX. 
IQ Data placed a fake debt with all XXXX CBs. I disputed it then and got all XXXX to remove it in XXXX. 

Now XXXX IQ Data is at me again for the very same thing and now they pushed the {$300.00} to {$810.00} they never had a judge sign anything. they have not been following the FDCPA or FCRA in an way in relation to this fake but very serious issue. 

I have a judges ruling from that federal case stating in fact XXXX did violate my rights to XXXX. So I am asking the CFPB to ask IQ DATA to produce the proof that they are not violating my rights under FDCPA and FCRA. 

Thank you for your help

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 2016-08-22
Company: CNG FINANCIAL CORPORATION
State: NM
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
have had a company calling me saying I owe a debit. I am not aware of a debit to them. I have asked for proof of it being my debit, as I have had identity stolen and had numerous accounts and loans taken out in my name. And they refuse to prove to me that it is my debit.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-13
Company: Convergent Resources, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have sent a letter asking this company to VALIDATE this account and they have failed to comply

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX I bought my XXXX home. The mortgage was with XXXX XXXX. About a year or so later my mortgage was sold to Citimortgage. Citi immediately raised my monthly mortgage payment with no explanation. In XX/XX/XXXX I applied to modify my mortgage and was told I needed to not pay my mortgage payments for 3 months. I did as instructed. After almost 2 years of going back and forth with Citimortgage and submitting the same paperwork over and over I was forced to file bankruptcy to protect my assets. During that time the modification kicked in again. Again they took their time and requested all of the same documents again. Citi filed a Motion for Relief and my attorney agreed to an additional 6 months arrearage added in the bankruptcy. Now, Citimortgage has filed an Order to lift the stay even though the trustee has been sending the payments monthly and I am current on my mortgage. I missed a payment in XXXX and sent XXXX payments in XXXX. I feel as if I have had nothing but issues with Citimortgage. I also think they took advantage and changed my mortgage around without letting me know when they immediately increased my payments when they first got my mortgage. Any help would be appreciated.

Company response to consumer: Closed
Consumer complaint received 2017-04-28
Company: Navient Solutions, LLC.
State: MI
Product: Debt collection
Sub-product: Federal student loan debt
Issue: Threatened to contact someone or share information improperly
Sub-issue: Talked to a third-party about your debt

Complaint:
In  XXXX  of   XXXX  , a company called General Revenue Corporation, with their representative  XXXX   XXXX  in New York using the number  XXXX , has called more than 25 people in regards to my student loans. He has told them my phone number, where I live, and where I work. Some of the people did contact me and told me exactly the questions that were asked. He contacted my ex-husband and gave him this information. My life is now at risk!! He has been contacting people in my husband 's family whom I have never even heard of or know. He has also called my work number and has left messages with our administrative team. Questions he asks are "  Does  she still live at  XXXX ? '' Is her number still  XXXX ? Does she still work at  XXXX ? ''  XXXX  has called people I have n't worked with in years and has been giving them 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 2015-11-25
Company: Viking Client Services
State: TX
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Received statement from Viking Billing that they were to collect alleged damages on a XXXX car rental to the tune of {$310.00} without having any notification from XXXX Shortly thereafter they called to collect and when questioned could/would not provide any confirmatory information. Their Claim # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I would like to submit another complaint regarding my AFNI , INC collection account. I am so disappointed to see this inaccurate and illegal item still appearing on my credit report. I have asked AFNI, INC. to remove their unlawful account from my credit reports with the XXXX bureaus and they still refuse. I have told them repeatedly that I was aware of their illegal tactics they utilized to obtain my debt, attack and harsh me regarding this debt and finally fail to validate this debt or show me any signatures or anything owning up too it. All they have sent me is my statements from XXXX XXXX which SHOULD NEVER have been sent to collection as I explained to XXXX and AFNI that this account was overdue on the account of MAIL THEFT at my home. I have my police report number to provide XXXX. I spoke to both parties involved and was specifically told that once the debt was paid to XXXX i would have this account removed from my credit report. But, instead, in order to shoo me off and shut me up AFNI, INC. sent me a BOGUS recipe through your portal dated XX/XX/2015. starting that my debt was resolved and that it would be updated with the bureaus. Well this is WRONg, my debt was resolves a longs time ago with XXXX, i never receive a payment slip or anything from AFNI , INC ad they have no right to hold my credit report hostage anymore. If their employees are liars and they are scamming me out of money and saying whatever they think i was n't to hear just so they get my money and then refusing me what they promised then i would like their to be a record of their lies and cheating. I will not stop until they removed this account from my files with the bureaus completely. Their account is riddled with misinformation and because they have SIGNIFICANTLY violated CFPB laws i require that they remove this account immediately. I will not suffer because of them anymore. Already they harassed me and abused me over the cell phone with their robotic messengers and they forced me to pay to delete, though i had informed everyone that i was a victim of statement theft and identity theft. I can not believe these people. they forge documents and send them through your federal database and pretend that they follow the law and that they are a legitimate company but they are NOT! They are liars and sneaky and aggressive and they forge paper work and do not validate or verify any forwarded information! As a victim of identity theft and mail fraud i should NOT have to suffer! XXXX is also at fault here, obviously they did not communicate this withe their " vendors '' who abusively collect on their behalf. They all should have know that this should NEVER have been sent to collection. Then to lie to me and say pay it so it goes away, well where? LET IT BE REMOVED or I WILL PURSUE LITIGATION! I

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: AFNI INC.
State: WA
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:
Moved XXXX telephone and internet service to new residence. Technician found new service could not be installed without digging up road. We opted not to do so. Service was never connected. 3 months later we get a bill. Took quite a while to get it taken care of after they threaten collections even though we never had service! They even said I had a credit on my account. I have their email saying that on XXXX. Last month I was contacted by Afni, a collection agency, to collect the same debt sought by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Alliance Collection Agencies, Inc.
State: WI
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I had no knowledge of this debt. This debt is held in another person 's name-an ex-husband. I did not receive any letters or notification of this debt. I did not receive any information to verify this debt-was this debt acquired before or after our marriage. This debt is a medical debt in another person 's name that is listed on my credit report-this is a HIPPA violation. I want this debt removed from my credit report.

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 2016-12-01
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I am a XXXX and I was exhausted one day after working a 14 hours shift and received a call from a rep from EOS. I was told I owed for a medical account that I knew nothing about. I advised the rep that it had to be a mistake because I have insurance and advised her that I was a nurse. She said according to her records it was my debt and I needed to pay this account and asked how would I like to pay today? 

I asked if I could get her information and call back? She asked why could I take care of the account today and or why did I need to call them back? I ended the call ... .. I felt very uncomfortable with the conversation and I was not going to be pressured into paying for something I did n't owe. 

I looked at my credit the following day after I got some rest and notice the account had already been placed on my credit!!! I do n't owe the debt and it was not properly validated. I never received a notice in the mail only a phone call and at that point the unknown account was already placed on my credit EOS CCA Account number XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-16
Company: Stearns Ventures, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Our new mortgage loan on our new house was transferred to Stearns for servicing right after closing. We closely watched all correspondence to ensure that we sent the first mortgage payment to the correct address, as we have been homeowners for 15 years and have never been late or missed a payment. We sent in our first payment and soon after received a call from Stearns stating our payment had not been received. The payment was not late at the time, it was a courtesy call, and as such we made a payment over the phone with the representative. We were advised to cancel the other check payment through our bank, which we did. Stearns then charged us a {$40.00} " NSF '' fee for the check that was cancelled. We called to complain to Stearns about this and the representative stated that they would waive the fee as a new customer courtesy. We just received our next month statement, and the " NSF '' fee is still on our statement. It is listed as having been paid, but is should have been credited on our statement. We feel the payment address error is owned by the new servicer, and we feel that they should honor their verbal agreement to refund the fee as a courtesy to us.

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 2016-08-31
Company: Paypal Holdings, Inc
State: CA
Product: Prepaid card
Sub-product: Gift or merchant card
Issue: Managing, opening, or closing account

Complaint:
I purchased {$5000.00} in eBay gift cards and use them for eBay purchases. 

However, the seller had refunded the purchases via Paypal. 
Paypal consecutively had closed my Paypal account without providing the cause. 

Since Paypal is an exclusive checkout method for eBay gift cards I effective forever blocked from redeeming my gift cards.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-11
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Pay pal credit pulled my XXXX credit history without my authorization as I did not give them my FULL SSN #. And I was not realized that this is a credit card application as they do not have explicit language explaining that and that they will pull my credit history. And they bond the paypal credit application together with paypal account creation without having me notice that I am applying this paypal credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-15
Company: Flagstar Bank, N.A.
State: MN
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
refinanced my house and ended up with flagstar Bank who let me ins. policy lapse and put forced placed ins. on which increased our payment over XXXX dollars a month, fell 2 payments behind, called and made arrangements and they refused to accept our payment.got attorney general involved and they sold our house at sheriffs sale behind our back.i wentr to a HUD approved housing counselor and the mortgage company refused to speak with them because the call was being recorded got .HUD involved and they said mortgage company had to rescind sale and do loan modification, they rescinded sale and turned around and started foreclosure again, mortgage company said go and apply for loan modification and their lawyers took us to court for eviction i called mortgage and they said sorry you should have never been told you could do a loan modification. I have the letter they sent and the application and they still refused to help us save our home. I do not understand how it is they can get away with this. we were in the middle of a loan modification process when they did this!

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 2016-02-02
Company: RS Clark and Associates, Inc.
State: CA
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:
Due to Address changed, I never received final Bill from XXXX 

After 6 years, I received a notice from RS Clark and Associates , Inc XXXX I contacted them, They mention my phone will be recorded so i did n't asked them anything in writing. 

They told me, as soon as i paid off my balance they will remove from Credit Report. I paid {$100.00} amount right away in order to remove negative item from my credit report. 

I paid off on XXXX/XXXX/XXXX via XXXX XXXX card ending XXXX. 

As i spoke to XXXX XXXX, he mention that they will Remove collection from my report within 30 days. 

I received a receipt saying sing and mail or fax so i scanned and replied R S Clark Associates back with signed receipt. 

I been trying to contact XXXX but they are not responding to Credit Agency about paid off. 

They still have Collection on my XXXX Credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation