BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-19
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other

Complaint:
I scheduled a credit card payment for my Costco Citi Visa Card to be paid on XXXX XXXX, 2017 in the amount of {$6700.00} which was the statement balance on the card. On that day, XXXX XXXX, 2017, I received an email from Citi stating, " We reduced a recent payment of {$6700.00} to {$3900.00} from XXXX XXXX, 2017. When a payment exceeds an account 's balance, plus 7.5 % we reduce the payment to the balance on the day we withdrew the funds. I immediately called Citi card processing to inquire about the e-mail and actions they 've taken. The representative I spoke to expressed that {$6700.00} will be debited from my checking account as that was what I scheduled. On XXXX XXXX, I noticed that Citi debited my checking account for the {$6700.00} and the {$3900.00}. Per most recent statement, I was only required to pay the statement balance of {$6700.00}. I called Citi again to figure out what happened and to get my money back as I did not authorize the payment of {$3900.00}. I demanded that I get the {$3900.00} back and the representatives told me that I wo n't get my money back until 3-5 business days. I got passed around to 3 or 4 the Citi representatives until I spoke with a lady named XXXX XXXX who claims that she is the Executive Analyst with Citi Credit Card. She said that she will file a claim on my behalf and make an effort to get my money back soonest. She said that she will reach out to their refund department at her level to " escalate '' the issue. All of the representatives I spoke with agree that it was not my fault as I scheduled a payment for the statement balance and their system somehow collected an extra payment. I XXXX XXXX to give me an update soonest via e-mail ; I have not heard from her. Long story short, Citi took funds from my checking account without my authorization even after I spoke with their representative to ensure that only the payment of {$6700.00} get debited in my checking account and they wo n't give it back until 3-5 business days.

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 2017-03-24
Company: M&T BANK CORPORATION
State: MD
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I am currently in a Repayment Plan for my Mortgage with M & T Bank who has XXXX XXXX XXXX assigned to my account. In recent correspondence received from M & T Bank dated XXXX/XXXX/XXXX. M & T Bank states that no payment has been made to my account since XXXX/XXXX/XXXX although XXXX affirms payments have been received this Fiscal of XXXX during that period. M & T Bank is reporting delinquency for periods dating XXXX/XXXX/XXXX to XXXX/XXXX/XXXX which is inaccurate according XXXX records and what is beig reported to the respective credit bureaus. In addition, there is a suspense balance that resides on my account for {$1000.00} with no clear appropriation for these funds.

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 2022-10-17
Company: Experian Information Solutions Inc.
State: NV
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: Their investigation did not fix an error on your report

Complaint:
The inquiries reported on my credit report are a violation of my privacy and the Fair Credit Reporting Act.

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 2019-05-10
Company: AMERICAN EXPRESS COMPANY
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
At the beginning of XX/XX/2019 American Express cancelled both of my accounts I had with them while I was having medical issues after being less than 45 days late. At the time I was notified I called immediately and was told that the accounts had been closed 3 days prior to me having received notice in the mail. I believe american express timed the delivery of my notification in an effort to subvert my ability to make a timely payment so that they prematurely close my account. 2. After seeing that the account was closed I began making regular payments to buy time until I could pay off the balance in full. On XX/XX/2019 I paid off both of my accounts in full through their online portal and showed a XXXX balance on both of them. today XX/XX/2019 I began receiving collections calls at XXXX XXXX and as of the time of this complaint I have received 4 calls informing me that I have a balance on my american express accounts in the amounts of approximately {$13.00} and {$37.00} respectively. After learning this I immediately call american express to find out how I had a balance in collections for two accounts that had been paid in full only 11 days ago. I was told that the balance was interest that had accused after my final payment. I then asked how I was supposed to know that they had added interest to an account that from my perspective had been closed and paid in full if they had not given me notice. I was told that they had mailed me 4 separate pieces of mail attempting to collect the debt. I find this very hard to believe given the very short time frame from when I paid in full to when I began receiving collections calls. 11 days seems to be a very unreasonable amount of time for someone to be sent to collections. I was made to feel as though I was attempting to not pay off the account. On XXXX XXXX I paid off nearly {$4000.00} between the two accounts and I would submit that given the amounts and my attempt to fix the damage that this has done to my credit it does not make sense that I would have avoided only {$50.00} of Nearly {$4000.00} debt. I find these practices despicable and I believe they are motivated by discrimination based on the fact that one of my accounts is an american express optima account. The Optima account was an account that american express was forced to create and offer to consumer who where included in a legal settlement that was reached following a suit filed for similar unfair practices by american express. It is my belief that american express wanted nothing more that any excuse to be able to cancel the accounts of Optima card holders and found my short lapse during my illness to take advantage of the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: MONEYGRAM PAYMENT SYSTEMS WORLDWIDE INC
State: CA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
A girl by the name of XXXX XXXX that I knew only from social networking via XXXX said she works for " XXXX '', an investment company that you can collect unclaimed taxes from. The deal was to MoneyGram her company XXXX $ and in return I would get XXXX payments of a total of {$5300.00}. I do n't know why I believed her but I did and I sent her the money to Illinois under the name " XXXX XXXX '' and shortly after some text messaging correspondence I never heard from her again. I just want my money back and I 'm doing anything I can do get it back. I have attached all supporting evidence I have. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-23
Company: Green Square Company LLC.
State: KY
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have informed this company on several occasions that I am not allowed to receive phone calls at work. I spoke to a representative on XXXX/XXXX/15 who assured me he would remove my information from their system and I would receive no further calls at work. He transferred me to an office manager who asked me to verify my social security number. I refused and asked to be mailed information, and he hung up on me. Today, XXXX/XXXX/15, I received a voicemail on my work phone from this same company stating that my claim had been escalated to litigation as I had refused to contact the company and make a statement on my own behalf. Once again, they have left a message on a phone that my supervisor has access to.

Company response to consumer: Closed
Consumer complaint received 2016-07-01
Company: CSO Financial
State: OR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Yesterday, on XXXX/XXXX/16, I called CSO Financial, INC/ Credit Services of Oregon with a question regarding the itemization of a bill with their company. During my initial contact, CSO financial released Personal Identification Information on the phone, before verifying who they were speaking with, including birth date, address, and name. I explicitly requested them not to disclose such information, that I would provide verification of those details myself. In response, the collector laughed at my request and continued to provide Personal Identification Information. I asked to speak to a manager regarding this situation. He then transferred my call to another collector 's voicemail. I returned the cal a minute later, and my call was immediately transferred to voicemail, without being picked up or acknowledged. 
I called back a third time through a different phone routing option and asked immediately to be transferred to a supervisor/manager, and was transferred to a voicemail box. I left a detailed message. I have yet to receive a return call. 

I feel that CSO financial may be inadequately securing consumer personal information, and I am concerned that there is no recourse within the business to escalate

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-19
Company: M&T BANK CORPORATION
State: RI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I make my car payment every month over the phone and usually they call me. I make the phone call to make the payment over the phone and I told the lady that I did n't have my account number with me ; after she asked me many questions at the end she asked for the last digits of the accounts otherwise I was not going to be able to make the payment. After all that time wasted she ended up saying that to me?? 
I insulted that woman ; then I asked for the supervisor and she hanged on me when I was explaining her what happened. 
I told them I 'm making a payment. Can you believe that? 
I was n't withdrawing any money from them. 
The customer service representative never ever mentioned that she was asking for the checking account number.

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 2015-12-04
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We were victims of Portfolio Recovery Associates using deceptive tactics to collect a debt we do n't believe we owed. Fearful of being sued, we paid the alleged debt which we immediately regretted andwe filed a formal complaint ot the Maryland XXXX Office of the XXXX of XXXX XXXX. They recently sent us a letterinforming us that we may be eligible for a refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They told me that it would not hurt my credit and I can dispute it and it will be removed. This was false and I was misled into thinking this account would not damage my credit score but it has tremendously. Want this account removed from credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-09
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
so as i was applying for a mortgage they pulled my credit and thats when the lien appeared, I was ordered to pay a lien that I never got the court document for, so a judgement was bought against me and I lost the case because I didnt appear in court .That is totally not right because I didnt get a chance to present my case. And also the company who sold my information without my consent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: TOYOTA MOTOR CREDIT CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Toyota motor credit is reporting XXXX $ owed on a charge off account. This account was included in my bankrutcy. I surrendered the vehicle to Toyota Motor credit. I have asked for specifi documentation as to how they came to the amount being reported of XXXX $ -If the car was sold I would like a break down of what the car sold for and how Toyota XXXX to this large amount being incorrectly reported on all XXXX of my credit reports. I do want validation of debt. I do want validation of amount being reported and a break down of how they came to this amount as well as written documentation of what they received for the car once it sold.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-12
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 receive calls from Portfolio Recovery LLC trying to collect a debt that is not mine for a XXXX XXXX card which they said I opened in 2009 ( When I was XXXX and not in XXXX! ) I told them it is not mine and they refuse to send paper letters. This is not even listed on my credit report. It is obviously a scam.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery continues to call our number even after repeated requests to stop calling. 

We are not delinquent on any bills.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Auto
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
Had XXXX financed in XXXX XXXX, lost job and defaulted in XXXX XXXX. XXXX never sent documents for auto auction as required by state law, and never sent statement of charges after auto auctioned. I requested those statements as they sent in a letter to request, but they misrepresented the repo when I wanted to do a voluntary repo, so they knew I was going to dispute the charges. Also, they auctioned the car at wholesale and not retail, which was the contract I signed with XXXX XXXX at the time. 

They never billed me after auction, It was turned over to collection in XXXX XXXX have letters XXXX. Eventually, Portfolio recovery took over the debt, and kept calling without verification. They admitted the documents were missing, and through XXXX, the state of Washington allowed the debt to be invalidated, and the original creditor sued. Every call claimed to be with the legal department, but they sounded like a script, and they never said my last name correctly. 

They did not listen to my complaints, and that I wished to dispute the debt. They sent forms out for disputing for fraud. They never sent validation documents as requested, they said the settlement letters they sent was their method of validation. I lived in XXXX until XXXX XXXX, and had different phone numbers. When I moved to XXXX, I changed all my numbers, including cell phone. 

The original creditors never had this cell phone number I have now. The statue of limitations was up on this debt in XXXX XXXX. I successfully disputed the debt on my transunion report, and the repo was removed from the credit file. I did n't bother with any more disputes, the collection and original debt fell off the report, and by Washington state law, I do not owe this debt due to illegal repo practices in XXXX. 

I have told portfolio I do not wish to speak with them on the new cell phone number. They found it by continually soft pulling my credit reports ( they used to hard pull every month, but about 2.5 years ago, this changed to soft pulls ). They keep changing their phone numbers, I save them all under XXXX ids on my phone. They do this because people block the numbers. They also have every states area code, and are still doing auto dialing via this method. The phone rings XXXX and hangs up. You can only call back. 

It is against the law to auto dial after permission has been revoked. They insist on breaking the law to try and get money they are not owed. It is not my fault they bought the debt. They keep trying to get me to make payments, and reset the statue of limitations. They insist I write a letter to stop the calls. But they do n't have a legal purpose to call the new cell phone number. Skip tracing is harassment. I need them to leave me alone, I will never pay this debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They keep calling for my husband who is battling XXXX. I have told them at least XXXX times to please stop calling and his condition. What is so wrong with this is they are not the primary debt holder. They purchase old or written off debts and reactivate them and then call the credit bureaus like they are new. Please stop these people so my husband can see some peace.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-08
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Portfolio Recovery continues to report an account to my credit report as " Disputed '' even though I have informed them ( see attached letter dated XXXX/XXXX/16 ) that this account is no longer disputed and requested that they remove this status from my credit report ; I am attempting to obtain a mortgage and this dispute status is preventing me from qualifying.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-04
Company: EQUIFAX, INC.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information is missing that should be on the report

Complaint:
Hello, I have been trying to get an inaccurate, misleading statement off of my credit report but am having problems finding correct information for the creditor, XXXX XXXX XXXX. This was the second letter I sent them, the first was over 30 days ago, still with no response. Not only is Equifax reporting inaccurate and misleading information, but Equifax is also reporting inaccurate and misleading information about this creditors address compared to that which is found on the creditors XXXX XXXX XXXX profile. I have sent requests to XXXX XXXX XXXX several weeks ago, but due to the credit bureaus reporting inaccurate and misleading information, I am unsure of the true address. This is complicating and is negatively affecting my life and the life of my family who need me. The attached documents are the receipts of the certified mail I sent in attempt to reach XXXX XXXX XXXX. This was the second letter I sent them, the first was over 30 days ago, still with no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Assets ( PRA XXXX acquired the account due to issues with a XXXX XXXX XXXX error, once I learned I was able to resolve the issue outside of XXXX, I contacted the PRA directly and made the payment in full closing the account. I was told the account would be reported as paid and removed from collections status as soon as the payment was received from my bank account. The payment cleared my account as agreed and to date PRA has not reported this information to the credit reporting agencies which continues to have a negative impact on my FICO score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
After sending certified, returned receipts from Portfolio Recovery Associates on XXXX accounts, asking for validation of my debt, not verification of my debt, they have kept on sending me collections notices. They have continued to also call me after I sent cease and desist letters. They tell me on the phone that I owe a debt and I tell them that they are not allowed to call me. They hang up on me. 

Also, I am writing because they are in noncompliance with the Fair Debt Collection Practices Act, Section 809. They have sent me debt verification letters, which does not suffice as a debt validation letter. I would like to know the chain of paperwork, from the original creditor, including the original agreement as this is my right. They have also broken the law by calling me after I have placed a cease and desist on my accounts with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I RECEIVED A LETTER FROM THE XXXX COUNTY SHERIFF OFFICE DATED XXXX XXXX, 2016, ( XXXX NC ) PORTFOLIO RECOVERY ASSOCIATES LLC. FILE A JUDGMENT EXECUTION AGAINST ME XXXX. THE AMOUNT OF {$2000.00}, WITH ADDITIONAL FEES OF INTEREST AND SHERIFF FEES TO THIS AMOUNT, THEY ARE GIVING ME UNTIL XXXX XXXX 2016 TO BRING OR SEND FUNDS THE SHERIFF OFFICE. THEY ARE THREATEN TO WITHOUT DELAY TO SELL ANY PERSONAL OR REAL PROPERTY I MAY HAVE WHICH IS SUBJECT TO EXECUTION. THE DEPUTY NAME IN THIS LETTER IS DEPUTY XXXX

Company response to consumer: Closed with explanation