BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My late sister XXXX temporarily resided with me from XXXX to XXXX. 
She passed away in XXXX, XXXX. 
Unknown to me, she had several credit card accounts ( opened by her and in her name only as she was an adult at the time they were opened. ). 

On XXXX XXXX, XXXX and continuing randomly through XXXX, XXXX, I received thirty ( 30 ) calls from Portfolio Recovery Associates. ( PRA ). There was no message left indicating who they were attempting to locate or the purpose of their calls. I assumed there was some type of mistake and they had the wrong number. 
Since the calls continued, a call was placed to PRA on XXXX XXXX, XXXX and learned they were attempting to locate XXXX. The Customer Service Representative ( XXXX ) was advised of XXXX 's death and she said she would verify the information and remove my phone number from the call list. The calls stopped and no further calls were received for the remainder of XXXX. 

During XXXX XXXX, a collection letter was received via mail addressed to XXXX with my home address. On XXXX XXXX, a call was received from PRA and again, no message. 
A return call was made to PRA that same day and " XXXX XXXX '' was given the same information that was shared during the XXXX XXXX, XXXX call. 
I questioned why the calls were beginning again, since the information of XXXX 's death was given to PRA the previous year. It was also mentioned to the representative that it was assumed Portfolio Recovery would have access to various professional and informational databases especially the Social Security Death Index ( which would immediately verify XXXX 's death ) ; as well as a simple XXXX search which would have provided factual data that XXXX had indeed died. The representative did not answer any of those questions, only stating said she would verify the information and remove my phone number from the call list. 
No calls were received for the remainder of XXXX and all of XXXX. 

Thinking this situation was indeed finally over, I was shocked when the calls began again on XXXX XXXX and by year 's end had received thirty eight ( 38 ) calls from PRA . There were also two ( 2 ) additional collection letters received for XXXX with my home address. 

It is now XXXX, and the calls continue, eight ( 8 ) to date, and a fourth collection letter. 

So after four years and three months, 77 phone calls ( with no messages ) and two calls to PRA providing information that XXXX is still dead, the harassment continues. 

PRA purposely chooses ; to ignore that XXXX had passed away and refuses to verify her death ; to attempt to coerce and intimidate others for payment of a debt that only the deceased would be responsible ; to continue calling my home number ( which they said would be removed from their call list ) despite my best efforts to convey true and honest information ( that goes ignored ) causing undue XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-19
Company: Navient Solutions, LLC.
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't temporarily postpone payments

Complaint:
When I lost my job, I contacted Navient to ask for a forbearance and was told that there were no options available to me. I graduated from XXXX in XXXX. Unfortunately, I had requested a forbearance when I did not XXXX on the first attempt and had requested a forbearance again when unemployed in XXXX. According to Navient, I exceeded available forbearances and they would pursue collections against my co-signor who is now retired and on limited income.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
My check # XXXX in the amount of {$4700.00} dated XX/XX/22 payable to the XXXX XXXX XXXX XXXX XXXX was deposited on XX/XX/22 to an account not belonging to payee. I completed a notarized fraud claim to the Bank of America faxed on XX/XX/22 and and mailed on XX/XX/22. 

Th fraud department at the Bank of America does not answer the phone so I don't know the status of my claim..

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 monetary relief
Consumer complaint received 2016-10-21
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My complaint is that this company knowingly continues to provide unfavorable and harsh collection/reporting of my account to the consumer and XXXX major credit bureaus ( XXXX and XXXX Credit Reporting Agencies ) ; therefore, they are continuously violating both the Fair Debt Collection Practices Act ( FDCPA ) and The Fair Credit Reporting by misrepresenting the ( 1 ) amounts owed, ( 2 ) payment made ( 3 ) terms of account ( 4 ) fees ; thus, knowingly and purposefully reporting and providing ( a ) incomplete, inaccurate, unreliable and missing information ( b ) obsolete and outdated information that should no longer appear ( c ) information that possibly reveal medical information ( e ) incorrect notation in listing account as open when they are closed or accounts that a do not indicate " closed by me and not the creditors '' ( e ) incorrect payment status ( f ) more than XXXX delinquent date ( g ) wrong notation for closed accounts ( h ) failure to correct misrepresentation and accounts that have been remedied ( i ) refused to investigate the disputes before continuing to collections.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-27
Company: PacWest Credit, LTD
State: OR
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:
I got a auto loan threw Pacwest Credit over 1 year ago they have never once reported it to any bureau since day one I have been trying to get it figured out with them and still have not gotten answers the only reason I got a loan was to boost my credit to hopefully buy a house

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 2020-08-18
Company: CITIBANK, N.A.
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
I opened a new account with citibabk online with a promotion for new customers for XXXX $ ( promotion XXXX ). After meeting all the requirements to obtain my bonus the bank is declining and not paying The bank has been giving me all kids iof different information, contradictory information and always imposing new requirenmets, last one was they neede a w2 form which was submitted. Then they invent new requirements that were never part of the offer. Last one was that they have no record of my offer however THEY DO. They lied. I have the proof trough the app chat admiring is in my records. 
Bottom line, bank does not want to offer the bonus offer I signed up for despite of my meeting all the requirements.

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 2017-05-22
Company: Ditech Financial LLC
State: UT
Product: Mortgage
Sub-product: FHA mortgage
Issue: Closing on a mortgage

Complaint:
I received a 10 day pay off. The payment closing payment was received by the company about 4 days early, and all numbers magically balanced to  XXXX . They did move some  to Escrow which they paid out as expected. I know that they will write off a min amount if they are owed but did n't think if they owed me that they can just make it  XXXX . I made two calls to them to get this resolved and they just kept saying it was correct. The second call they said they would progress it to another department but I have n't heard anything in 2 weeks . I do n't think this is legal for them to just keep money owed even if its  XXXX  dollars. In both calls, neither rep to explain how they got the balance as  XXXX  other than it was right. I 'm pretty certain they are just keeping extra money from alot of loans at closing and either customers arent paying attention or they are willfully frauding them. The details in the payment history just dont add up to Principle/Interest/Escrow.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Navient Solutions, LLC.
State: MO
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:
I filed a complaint with CFPB regarding the inclusion of Navient in the Public Records section of my XXXX XXXX report. In response to that dispute, XXXX XXXX now has two Navient accounts that have been reported as included in bankruptcy on my credit report. At the very least these are duplicate accounts and at most they are outright false accounts. I spoke to Navient and they indicated that they have done an investigation, but I have to wait 30 days to get the results. I asked when the letter was sent out and they said it had not been sent out yet, but that the investigation was complete on XX/XX/XXXX. The new entries on my credit report, which caused my score to drop 56 points, are dated XX/XX/XXXX. I have until the XX/XX/XXXX to appeal a decision to fund my business and this is going to drag on past that date, which means I will be denied the funding.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to TransUnion Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means TransUnion has NOT complied with the fair credit Reporting Act law and continued to report inaccurate information on my credit report. PLEASE UPDATE OR REMOVE THE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX  XXXX XXXX XXXX XXXX XXXXXXXX XXXX

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 2020-08-18
Company: Experian Information Solutions Inc.
State: AR
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 pulled my credit to myself because I was alerted by my social security card getting stolen and I see a list of derogatory items that are not mine including a bankruptcy or ( bankruptcies ). These accounts are fraudulent and need to be deleted. Please remove these unknown accounts from my name. My identity has been compromised and this information on my report is very incorrect. XXXX/XXXX XXXX {$3100.00} XXXX/XXXX XXXX {$450.00} XXXX/XXXX   XXXX {$3800.00} XXXX XXXX {$5600.00} XXXX XXXX XXXX {$1100.00} CHAPTER XXXX BANKRUPTCY DISCHARGED XXXX {$0.00} XXXX/XXXX   XXXX {$2200.00} XXXX XXXX {$1900.00} XXXX XXXX XXXX {$1900.00} XXXX   XXXX XXXX {$46000.00} XXXX XXXX XXXX {$100.00}

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 2022-08-27
Company: Experian Information Solutions Inc.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # XXXX XXXX XXXX, has violated my rights. 
15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2020-01-14
Company: Mr. Cooper Group Inc.
State: TX
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Trouble during payment process

Complaint:
I have found that there are financial discrepancies throughout the terms of this loan and have spoken to the lender and have gotten nowhere with them and my home went into foreclosure over mistakes of my lender and they keep running in circles and not fixing the problem. I can't afford a lawyer so I filed a chapter XXXX bankruptcy to stop the sale, hoping this could at least buy me time to solutionize this problem with the lender, m but instead they did not validate my filing and sold my home, I'm no lawyer but I believe that it is federal law when you file a chapter XXXX bankruptcy you are entitled to an automatic stay from 30 - 90 days which I did not get something needs to be done about this now or I will end up on the street and lose my home of 49 years cause of the banks mistake and because I can't afford a lawyer please help me, m have tried everything and the lender Champion Mortgages will not help this is a scam and a fraud on their part. I will up loan all the evidence and paperwork I have below. I am an elderly woman widowed and urgently in need of your assistance, this is my last hope. 
Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX XXXX and XXXX XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, Trans Union or XXXX respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I  believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX   Boost. We must return to a common ground that is fair for all  consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. 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 2022-02-22
Company: Experian Information Solutions Inc.
State: FL
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:
My name is XXXX XXXX, There is no third party involved. I attached my Id docs so you will know who I am. This is not someone else filing this complaint on behalf of me. And please do not mail me anything else saying I need ID docs. I am filing this complaint about misleading false reporting 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 non-monetary relief
Consumer complaint received 2020-01-14
Company: JPMORGAN CHASE & CO.
State: AR
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
CHASE AUTO RECOVERY IS TRYING TO REPO CAR LISTED IN BANKRUPTCY I RETAINED ATTORNEY XX/XX/2020. SEE ATTACHED. BANKRUPTCY PENDING

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Please do not assume this is a duplicate because it contains a different dispute and problem that I 'm having with Portfolio Recovery Associates. This company has been sued for their illegal actions FDCPA more times than one can count. They are on my credit reports for a debt that I do not owe. They lied about sending me any notice of the debt and continue to report unverified information on my credit report. I 've already taken action against them for calling my job several times after beining notified not to. They claim to have sent a notice to me concerning this, but will not answer a simple question as to where they sent the notice to. I 'm not asking them to verify that they know my name and social security number, especially given the incidents of identity theft in which crooks steal basic identifying information and open credit. This accounts does not belong to me. In order to open an account an application for credit would have been completed, drivers licence also. I 'm asking for any of that. Neither company can provide that because I have never applied for this credit.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-08-18
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: Information belongs to someone else

Complaint:
I went to help my daughter get an apartment, while I was there, I was informed by management that I could not get her an apartment under my name due to not having good credit. After I left, I decided to pull my credit to see what the management lady was talking about and I was shocked with the outcome of my report. There are many items on there that do not belong to me. Please remove these items from my report. XXXX XXXX XXXX XXXX {$25000.00} XXXX XXXX   XXXX {$22000.00} XXXX XXXX XXXX XXXX XXXX {$720.00} XXXX XXXX XXXX XXXX XXXX {$1000.00} XXXX XXXX XXXX XXXX {$18000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-17
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've contact Midland Funding by letter, sent via XXXX certified mail, to obtain debt verification. XXXX refuses to respond by sending the information I requested, but continues to report this unverified debt to the credit bureaus. Upon researching, this is in violation of a XX/XX/XXXX XXXX obtained by the Consumer Financial Protection Bureau for XXXX to stop collecting debts that can not verify.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-01
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 is not mine

Complaint:
I found this company to be reporting XXXX frivolous debts on my credit report, hence on XXXX XXXX, I sent this company a request to validate the accounts. The company responded back with a bewildering reply, where they failed to provide me with any form of validation and instead asked that I provide them proof of fraud. ( see attached response )

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
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:
In XXXX spousal support {$500.00}. for 9 years. End of XXXX ' that ceased and I tried to work with creditor for the {$3000.00}. I owed. But they kept adding fees and continuing calls some XXXX x a day. I filed bankruptcy in XXXX that got lost. My kids unknowingly paid them in XXXX. I again tried to work with them to no-avail. Every time they sell the loan I get harassed. I explain everything XXXX times. The last company every day, threatening to come after me or take me to court. Which I am all for! Then I learned about Cease and assist no communication.so each time in writing I give it to the people. The last time was maybe 6 months ago. Today I got a phone call from the same number XXXX XXXX from a XXXX XXXX from XXXX Recovery. He said my balance was $ XXXX on a {$3000.00}. debt. In XXXX every day multi calls they harassed me so much I had a nervous breakdown. I did everything in my power to work with them to no prevail. My credit in XXXX was XXXX I paid my bills. In XXXX ' I lost my ; spousal support, lost my business, had my regular job cut, was paying {$1200.00} a month on health benefits and my son XXXX while living with he dad. I am a XXXX senior on {$1500.00}. a month. I make too much to get any benefits. I have no credit cards since XXXX ' I owe nobdy nothing and my credit score is XXXX all debts are over 7 years.

Company response to consumer: Closed with explanation