BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-12
Company: CAVALRY INVESTMENTS, LLC
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX BANKXXXX BANK INSTEAD OF ACTIVATING XXXX INSURANCE ACCT AS I AM XXXX AS THE INSURANCE SHOULKD BE ACTIVATING! INSTEAD THIS SOLD THE ACCT SO A COLLECTION AGENCY! 
CAVALRY ; XXXX XXXX XXXX, NY XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-16
Company: I.Q. DATA INTERNATIONAL, INC.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I recieved a letter for settlement of an old debt I owed for an apartment. When I called in to accept the settlement amount, XXXX things happened. 
1. They changed the amount because there is a daily interest rate that is applied. 
2. They agreed that if I paid the amount of XXXX They would delete the record permanently. 
I agreed. 
I then spoke to my credit counselor and she told me that Paying that amount was not necessary, and I called " XXXX the next day and told him I would opt for the lesser amount and accept the " paid in full gurantee he offered me. 

Today, this account is being reported as " settled for the lesser amount '' and when I called to clarify their statement of settling in full, they stated that " settled in full is what they report and what the bureau reports is their own process ''. They made no attempt to correct the reporting, and I feel like I was tprovided flase information in order to pay the debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-01
Company: I.Q. DATA INTERNATIONAL, INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I started receiving telephone calls on my cell phone all through out the day with regards to a debt which I do not owe. I have requested validation and to discontinue contact. I continue to receive telephone calls from IQ Data International, regardless of the continued request to not contact me. Additionally, I have sent them a validation request in writing and they have not done so, however, have marked my credit report as disputed. I am being bullied by this company, despite continued request to send me any information that states that I owe them money. It has been almost two months since I have requested the information.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: CCS Financial Services, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
CCS AKA CENTRAL CREDIT SERVICES INC AKA RADIUS GLOBAL SOLUTIONSPosted in : XXXX & XXXXXXXXWeb site with alleged contact info : XXXX lists them as an accredited business with an A+ rating and XXXX complaints : XXXX ... XXXX page : XXXX 
XXXX lists the head criminals in this organization : XXXX ... XXXXXXXXCheck out the CCS Companies listed at multiple locations & phone numbers above after reporting the callers still Received Scammer/Harasser calls from ( XXXX ) XXXX XXXX in XXXX, MA. ( CCS Companies on Caller ID ) that constantly call for the last 10 years - most recently on : * Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Thur. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Sun. XXXX/XXXX/15 @ XXXX Wed. XXXX/XXXX/15 @ XXXX Fri. XXXX/XXXX/15 @ XXXX Tues. XXXX/XXXX/15 @ XXXX from ( XXXX ) XXXX XXXX XXXX ( Debt. Collector ) looking for XXXX XXXX or XXXX XXXX to call her at ( XXXX ) XXXX these Debt. Collectors have my phone number seeking the people who formerly had my phone number & I 've called back to let the Scammer/Harasser know this is the wrong phone number & they can find the " Persons of Interest '' on XXXX XXXX XXXX since XXXX XXXX is currently XXXX - I do n't answer unwanted Annoying Phone Calls on my unlisted number & Reported to XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: AES/PHEAA
State: MN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I had forberance granted to my student loans retroactive to XXXX 2014 but have late payments reported to the credit bureaus for XXXX and XXXX of 2014 on all XXXX loans for a total of XXXX reported late payments that should have been corrected by the retroactive forberance. 
Fed Loan Servicing has refused to correct this.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: CCS Financial Services, Inc.
State: MA
Product: Debt collection
Sub-product: Auto
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They 'd call me XXXX times a day anytime from XXXX to XXXX, leaving threatening voicemails and just being plain rude. I 've asked them to stop calling but they kept calling even after speaking to a supervisor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-20
Company: AES/PHEAA
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
My parents and I had no clue what we were doing when applying for college aid. I ended up with private student loans, which seems to have been the worst choice. I have a teaching degree and now work in public health. I have XXXX different due dates for loans originally through AES but now have been sold many times. Their communication is despicable. I have no realistic way of consolidating these loans and would like some assistance/relief.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
opened XXXX online account in XXXX I believe ends in XXXX made deposit XXXX 2 hours later account in lock down. told to call a number that no one answers finally after almost XXXX minutes on XXXX someone answers tells me the signature does not match the check issued before. and for that reason rep called without my knowledge or permission the entity that issued it. put me on hold again with no respect for my time told me on XXXX it would be on hold til XXXX because of the lack of verificiation no good. also on XXXX I noticed the XXXX in there already BEFORE deposit of XXXX was on hold and not transferrable. Lots of waiting lots of inconvenience. meanwhile I am a XXXX credit card holder for years no problems. this really is not right. I opened this to save money and avoid hassles not bring more on. I need to know why this happened be comped for my trouble have the money released asap so I can use it and be sure it does not happen again. Do something about the hold time on security line. HELP like my tiume does not matter IT DOES

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-03
Company: Kimball, Tirey & St. John LLP
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 is not mine

Complaint:
I recently pulled my credit report and noticed numerous violations of the FCRA and numerous state and federal laws that protect consumers. I also understand that about 89 % of all credit reports contain inaccurate, misleading and unverifiable information on them. It has also come to my knowledge that systems used by the credit bureaus such as XXXX XXXX do not protect the consumer as well, they just allow some companies to verify a debt whether or not it is true. My credit file contains a public record/judgment that is NOT verifiable and does NOT belong to me. I have already made several attempts with this company ( Kimball Tirey & St. John ) to provide proof that this debt belongs to me, to no avail. It was also brought to my knowledge that the court houses do not report, nor verify this type of public record with any collection agency nor have they ever reported such information on any consumer. This is really disturbing to find out that the collections companies like this XXXX lie and falsify documents to credit agencies to make a quick buck. It is my knowledge that these violations are punishable in a court of law by {$1000.00} per violation. This does n't even include court fees, attorney fees and punitive damages that a consumer may seek to hold the company in violation of fraud for lying and falsifying these misleading documents. After contacting several different FCRA attorneys willing to seek these damages free of charge, I choose not to ( for now ) but would like to resolve this in a civil matter.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have not applied for a credit card of Capital One. I checked my credit report and noticed that someone had open an account under my name. I am not aware how this happened. I disputed the credit card account and it is under investigation and the issue has not been resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: Ballybunion Enterprises, Inc
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I used a company called Freedom Electronics as well as Freedom XXXX, I currently am still paying on both loans. My balance seems to be increasing. I took out the loan with Freedom XXXX in XX/XX/2014 and electronics in XX/XX/2014 as well. I have yet to receive a payment history of which cant be viewed online. When I asked for a payment history I receive attitude. I also checked my credit report and see nothing about this loan. A monthly statement would be nice to see what the heck my money is actually going.

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 2016-06-08
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I opened a SunTrust Checking and Savings account on XX/XX/XXXX. During the application process they require you to fund your new accounts. I provided a routing and account number and authorized a transfer of {$15000.00} To confirm the external account SunTrust makes XXXX small deposits and a withdraw and those amounts are verified by the customer which I did. 
It 's now XX/XX/XXXX and the transfer has not taken place but the issue is I 've spoken to multiple employees and all of them say " they do not have access to transfer information provided during the application process ''. No one can confirm if this transfer is going to take place or not. Obviously my concern for initiating a second transfer is the potential to overdraft my external account. I was also provided a confirmation page listing the transfer information but again the employees ca n't see that either. 
I 've also asked that my issue be escalated to management but still have not received any contact from anyone with authority. 
Secondary Complaint : My savings account immediately showed as " Pending Closure '' causing immediate confusion. I was informed all savings accounts do that until money is deposited. This is very confusing for a new customer.

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 2016-12-02
Company: Credit Karma, LLC
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I have payed my XXXX bank credit card down to XXXX and Credit Karma still says its at XXXX. Ive cancelled my XXXX bank credit cart and Credit Karma still says that the card is open and valid. The information on my credit report is updated according to Credit Karma and is rarely accurate. This is partially effecting my credit score.

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 2016-02-10
Company: National Credit Adjusters, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
NCA never mailed me anything is writing of collecting my debt. I sent them payments and never recieved a reciept.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-15
Company: TOYOTA MOTOR CREDIT CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Taking out the loan or lease

Complaint:
I got into a collision with my brand new 2 months XXXX XXXX. My XXXX XXXX insurance called the car being totaled so they were getting information with XXXX XXXX for the payoff amount. Since it was only 2 months old, I understood that the car was upside down, so I would need to come up with some money to settle the whole thing, which was also what XXXX XXXX Claim adjuster said to me as well. I thought since I was getting another Toyota, I could negotiate that part when I get the new car. However, a few days later, my Claim adjuster came back and said good new, Toyota accepted their pay off amount and I was actually going to get a little money back even after XXXX XXXX taking my deductible. I was happy, signed the paper work with XXXX XXXX, got the check and I went and leased another Toyota Prius, because I needed a car. Almost 1 month later, I received a letter from Toyota Finance saying that I owe them money because the settlement was not enough to pay off my lease. And they were going to charge off that amount and report to the credit reporting agencies. I talked to XXXX XXXX, and they gave me the letter that Toyota Finance accepting the settlement. XXXX XXXX said that Toyota should not go after me for the difference, since they already settled the account and released the title. I talked to Toyota Finance, but they still demanded the money or they would report me. I knew about the difference, and was going to negotiate it with Toyota when I was going to get the XXXX Prius. But since they told XXXX XXXX that they accepted it, and XXXX XXXX even thought the whole thing was closed, and wrote me a check, I did not negotiate that part of the difference when I leased a new car. What Toyota did, accepting first and went after me later, took away my chance of negotiating, which was really unfair. Now the fact that they are demanding the difference in full with no opportunity for me to ask for a discount or payment plan is really predatory practice. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-25
Company: Advanced Collection Bureau, Inc.
State: FL
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:
ADVANCED COLLECTION ACCOUNT NUMBERs : XXXX XX/XX/XXXX XXXX Fl. 
XXXX XXXX XXXX Dear Sir or Madam : I am a victim of identity theft. I am demanding that you reinvestigate my credit file under the Fair Credit Reporting Act Section 611 [ 15 USC 1681I ]. You have no way to ascertain the legitimacy of my action without investigating the items in question. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you notify ADVANCED COLLECTION or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : Additional stall tactics on the part of your organization will be reported to the Federal Trade Commission ADVANCED COLLECTION acc # XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX, FL XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-28
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Portfolio Recovery Associates LLC keeps sending me, and has called me several times in the past, for a debt I allegedly owe XXXX XXXX with a Current Balance Due of {$580.00}. It lists it as a current debt on XXXX XXXX, XXXX and that is impossible. I have not used any credit since XXXX when my business in the Florida XXXX was destroyed by hurricanes and I lost all my assets. On the advice of any attorney who I asked for advice on filing bankruptcy to erase the outstanding debts of the destroyed business, he advised me that they were small, unsecured debts and it would be best just to contact the creditors and advise them I was unable to pay them, which I did. I am sorry, but I no longer have copies of the correspondence to the few debtors I had at that time, but it could have been no latter than XXXX, which would make any debt to XXXX XXXX over 8 years old. My assumption was that these small debts would simply be written off. I do not remember what the amount of any debt I might have owed XXXX XXXX at that time might have been but I do n't recall anything over {$300.00}, so the amount of this alleged debt has been written up and the debt has been redated to keep it current. When called by people representing Portfolio Recovery Associates, and they are very good at trying to disguish their identity and the identity of whom they represent, I have never offered any information concerning any debt. Therefore I believe this is a debt that has been sold and redated to keep it current, which I believe is unlawful. It should have been written off several years ago.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-27
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This XXXX party collection agency is trying to collect on a 20 year old debt, I believe the original balance was XXXX, witch was written off by the original creditor. The XXXX party.collection agency is now trying to bully me for XXXX by calling and continuing to contact me after being put on notice verbally and by mail. I spoke to a gentleman who claimed to be the manager who got on the phone and began to try and bully me over the phone he told me the only thing he wanted to know from me was how I was going to pay the bill. He said he did n't care how old the debt was or what I was saying just needed me to pay. Told him yet again not to contact me in any way he began to laugh at me told him I was going to record call he hung up on me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
original debt XXXX XXXX credit. 
over 7 years passed, XXXX XXXX charged off debt. 
portfolio recovery is still reporting to credit agencies way past the time allowed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: DISCOVER BANK
State: UT
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I recently opened a Discover checking and savings account because I was excited to try out their new cash-back debit card. I set up direct deposit through my employer to fund the account. I use it for my every day banking. All of my money is in this back account. 

On XXXX I received an email telling me that they had noticed some fraudulent activity and that I needed to contact them IMMEDIATELY. So I called them as soon as I could, only to find out they had already completely closed my account with nearly {$1900.00} in it. Their email was extremely misleading, because by the time I had called them my account wasnt suspended, it was CLOSED, which was not reversible. Why even waste my time and have me call if youre going to close it anyway? I did nothing wrong! 

They then told me that it would be upwards of 60 days or more until I received a check to reimburse me. I cant wait that long! I work hard for my money and Im not a shady person. I dont get why my account has been closed. They offered no explanation. 

They refused to work with me and to help me understand what was happening. They provided me with XXXX resources, and now Im completely broke and Im scared of the financial ripple effect. I live on a tight budget, and having access to XXXX money is incredibly scary, especially when I go to work every day to make money and the bank decides to close my account without giving me a chance. There was XXXX warning, and I still have no idea how Im going to survive or keep my apartment. Im absolutely devastated. 

My account was in good standing, how are they allowed to do this to people? I have to panic and figure out a way to survive because they closed an account in good standing? Makes XXXX sense.

Company response to consumer: Closed with non-monetary relief