BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
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 have been getting annoying phone calls from a company called Portfolio Recovery. phone number listed is XXXX. They call at ll hours of day and evening from XXXX to sometimes as late as XXXX at night, while we are trying to sleep. I have also contacted my telephone company about 6 months ago and they suggested I block my phone number which I have done. But the company continues to call from a different number. i have also talk to them in the past year and a half and I have told them that they have the wrong person. I have answered the phone several times and I can hear background noise and no one says anything to me. They continue to call to this day even though, I have told them to stop calling me. It has become very annoying to the point that I feel harrassed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
Company: Experian Information Solutions Inc.
State: GA
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:
Filed several disputes issues unresolved XX/XX/2021

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 2015-09-10
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery located in XXXX Virginia has been constantly calling everyday at various times for a debt that no longer belongs to me. The debt was placed on my credit reports 10 years ago, and by law has been removed from my credit reports. 

Portfolio Recovery has been trying to collect a debt that is basically 10 years old. I have asked them to stop calling and mailing correspondences to my address, but they ignore me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-20
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
This company keeps contacting me about a debt that is not mine. The company, Portfolio Recovery Associates LLC, purchased the debt from a bank, XXXX XXXX. Years ago ( XXXX or XXXX ) the bank contacted me about this debt, and at the time, I had to fill out all kinds of paperwork. The verdict at that time was that identity theft had occurred. The debt is not in my name. 

On XXXX XXXX, XXXX, I wrote a letter explaining all this to Portfolio Recovery Associates LLC. I specifically told them that they had a problem with XXXX XXXX, not with me, if they had purchased debt from XXXX XXXX that stemmed from identify theft. 

They keep sending letters and attempting to solicit my personal information, including my social security number and birthdate. 

I am attaching to this complaint ( if I can ) a pdf of the XXXX XXXX, XXXX letter I have already written these people. 

They need to stop contacting me about this debt that is not mine.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-05
Company: Persolve, LLC - Legal - Series 2
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I, XXXX XXXX, with SS # *********** was sued by XXXX XXXX from Persolve, LLC, XXXX Account Resolution Associates, XXXX, located on XXXX XXXX XXXX, XXXX XXXX, XXXX, CA XXXX on behalf of XXXX XXXX for a Credit Card Debt that belong to me but was compromised on Identity theft together with other account that were corrected at the time by the creditors by following video survelliance proving that my Credit cards were used by another individual different than me. Other credit card companies were willing to do their own investigation and concluded in effected that it was not me using the credit card and by also looking at my history proven that i would n't of never used my credit card to that extend. I initialy was contact by XXXX XXXX requiring for me to pay for those transactions, during several comunications with them, I told the Credit Card company that I was victim of Identity theft and therefore that debt did not belong to me. In the beginnig I tried to keep my credit card in good standing by making my payments but they did not want to investigate the transaction in dispute and took legal process againts me. When it came to the legal lawsuit, they did not serve papers on time for me to appear to court, summons were served after the fact and did not give me the chance to respond. Now a lien is place on my property which is totally wrong. I follow the chain of command, I do n't understand how the other Credit Card that were also compromised were willing to investigated and XXXX XXXX just refused to and proceeded with a legal action that is impacting negatively in my Credit that I had work so hard for all this years.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: Credit Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I am XXXX military and as such receive 100 % coverage of all medical and am void of any financial liability. I 'm protected by my federal military enlistment contract and the Soldiers and Sailors Act. I asked if they accepted tricare - they said yes. I told them that I would not approve any treatment not covered under my insurance. I was told it would be no problem. This is an issue that needs resolved between the medical biller and my insurance company. Whatever that end is, I should not be considered a responsible party.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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 have 3 inquiries that I did not authorize and and have 1 account with inaccurate charge off status and a XXXX  XXXX listing that is not mine and the county court house says they do not report to credit bureas so this must be deleted. See letter that is very detailed on these accounts

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 2016-08-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Portfolio Recovery XXXX. Call multiple times a day. Every day of the week. Have no debt in collection. Asked not to be called. I think it is a scam, but I am really tired of these calls. Make them stop!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-23
Company: Garner & Conner, PLLC
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The original debt was owed to XXXX, who obtained a judgment against me. I paid them in full. A third party collector contacted me several years later, stating they would garnish my wages or levy my bank account if I did not pay. I told them the debt was paid in full, and provided proof. They stated the proof was not good enough. I have transcripts of internet conversations with XXXX that shows I have a zero balance and they state that they did not send this account to collections. The more information I provide to the law firm collecting my debt, the more they say the proof is not enough. To prevent them from garnishing my wages or levying my account, I have paid them for several years on a debt they know is not valid. They will not give my money back, and will not contact my attorney as she requested. As of right now, they have approximately {$1000.00} of my money that is not owed to them. I have been fearful of stopping payments because when I do, I receive letters detailing that they will take all legal action against me. I have a young daughter at home to provide for, and I can not survive if they levy my account. I feel as though I 'm being extorted to pay a debt that has already been paid, almost twice now.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have made repeated attempts with Portfolio Recovery to resolve a charged off account from 2010, the collectors and managers are rude and unresponsive to my request to arrive at a reasonable settlement, they demand an amount I can not afford to pay, the account well beyond the statute of limitations and remains on my credit report. The company that purchased this debt from the issuer is located at XXXX XXXX XXXX, XXXX, VA XXXX phone:XXXX, this matter could have been resolved long ago if it were not for the greed this company has demonstrated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-30
Company: CITIBANK, N.A.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a citigold account with the understanding that I would receive XXXX XXXX XXXX points if I met the conditions of the bonus language. They said that after I met the conditions it would take 90 days for me to receive my bonus. I contacted them once via customer chat and verified that I had met the conditions and they said that I would receive the bonus in XXXX. I called today XXXX XXXX XXXX ) and they said that they do n't have any record of the bonus and that I will not receive it.

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 2016-10-22
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I am a customer of Regions bank with a checking account. A few months ago someone or persons have been using my debit card through XXXX XXXX times in excess of XXXX dollars. I have never taken an XXXX ride nor have ever used XXXX nor have I ever given authorization for anyone to use my card, ever. I reported to Regions, XXXX XXXX XXXX as well as XXXX XXXX XXXX XXXX XXXX XXXX. 

Regions Bank told me that it was my fault and that I gave authorization for reoccurring charges to be allowed on my account. That is not true one bit. 

The fraud started in XXXX through XXXX. Regions will credit be back a small fraction of the charges but insults me with the lame investigation that somehow determined I was complicit and allowed my card to be used. NONSENSE, I asked for the proof of the investigation just today and the fraud department told me " there is nothing we can do ... I just told you the results ... what else do you what. '' Please help XXXX 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 monetary relief
Consumer complaint received 2016-07-28
Company: REGIONS FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Regions Bank are reporting a report for non sufficient- funds to XXXX . Original charge off amount of XXXX. That is not accurate. The contract ended with a XXXX balance.

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 2016-06-25
Company: EOS Holdings, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have recieved 3-4 calls a week since the beginning of the month at random times, anywhere from XXXX to XXXX. Upon answering the phone and saying hello no one answers, I can hear ringing and such in the background but after saying hello 2-3 times they just hang up. They just continue to do the same thing over and over again. I do n't know what company this is or what they are trying to collect from me. The only information that I have found is when I call them back they tell me that the company is EOS CCA. I refused to talk with them because of the random and harassing phone calls I have been receiving.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-11
Company: BOK FINANCIAL CORP
State: NM
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had a mortgage with Bank of Albuquerque and after paying it off, paid in full XX/XX/2017, they reached into my bank account and took more money from my account ( XX/XX/2017 ). They were in no way entitled to this money and as such this constitutes a theft from my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: Northland Group Inc
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
During the time I acquired a debt with XXXX XXXX unfortunately I was XXXX ill and was unable to meet my obligations.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-31
Company: BOK FINANCIAL CORP
State: OK
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
1. XXXX received a dividend check in the amount of XXXX from XXXX XXXX XXXX through XXXX and their affiliate bank XXXX XXXX XXXX XXXX XXXX XXXX ( XXXX, PA ) dated XXXX/XXXX/2016. 
2. This was deposited to The Bank of OKlahoma ( BOK ) on XXXX XXXX 3. This deposit was returned XXXX/XXXX/2016 bcs according to BOK bcs the check had already been cashed. 
4. I called XXXX XXXX and who sent a letter that the check was cashed XXXX/XXXX/2016. ( 1 day after deposited to BOK ; I assume then that BOK was paid ) 5. Talked to BOK branch employee and submitted check again. This check was returned. BOK says the problem is with XXXX XXXX. XXXX XXXX says check is cashed. 
6. So, our XXXX is out the {$200.00} in dividends. Possible tax on the dividends. And unresolvable issue. 
7. I called XXXX XXXX to give me a letter stating who cashed the check. And they said it would be a {$35.00} fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: Credit Protection Association, L.P.
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:
Applied for a apartment and was denied because there were XXXX accounts on my credit report that should not of been sent to collections

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-25
Company: Servis One, Inc., Titusville, PA Branch
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I am writing as I received a response from XXXX .but they have not up load -ed the letter. at the time of the transferred of my loan XXXX responded that at the time of transfer and I quote.the short year history escrow statement reflected an actual bal XXXX at time of transfer end quote .this is where the problem lies with bsi financial .I received from bsi the final escrow statement showing XXXX XXXX had closed out the loan .prior to that the escrow acct was corrected add XXXX for shortage .I received a letter stating that there was no money from the transfer transfer from XXXX to bsi and was then charged a I believe either XXXX or XXXX to start the escrow accout. I would like to know where the XXXX esc -row amount went at time of transfer.i believe this is where the problem lies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-21
Company: Convergent Resources, Inc.
State: NM
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:
Received a letter from debt collector about a bill that is from 2011 believe the statue of limitation has expired on this debt. But all want to see what this debt is showing never has a {$1700.00} debt with any cell phone company. Send record of debt from company XXXX XXXX Will be check with Attorney General on Statue of Limitation on Cell Phone debts! per information from CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-07
Company: Eastern Account Systems of Connecticut, Inc.
State: OR
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:
XXXX XXXX I filed complaint against XXXX XXXX operating credit card reader for my private practice as XXXX. I enrolled as result of XXXX advertisement claiming a 1.59 % per swipe fee. I had been using XXXX - but decided to switch over. When my first invoice arrived I was shocked to XXXX that in addition to 1.59 % there were other fees and charges totaling almost 17 %. I called to cancel and was informed that I had three year contract and would be billed per month regardless. XXXX XXXX, XXXX I filed complaint with XXXX XXXX XXXX XXXX # XXXX. XXXX XXXX XXXX I received email notice of closure of my account. 
On XXXX XXXX XXXX I received Debt Collection notice from Eastern Account System of Connecticut , Inc. in the amount of {$76.00}. I contacted them by phone - and contacted XXXX XXXX XXXX XXXX XXXX regarding this alleged debt for which I have documentation of account closure.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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 moved out from XXXX prior to the end of my lease. I gave proper notice & received an email from the manager that explained the fees. I paid 2/3rds of the balance prior to leaving & was informed I would be contacted in 30 days and I could make payment arrangements. I received a letter on XXXX from a company called IQ Data saying I owed and incorrect amount. I faxed them the next day with a copy of the email from my leasing office with the fees and asked them to correct their records and I would make payment arrangements to pay the corrected balance. I also called that afternoon and was told to wait 24 hrs for my fax to get in their system and they would contact me. They did not even tho I provided all my current contact info. I called them back on XXXX. They claimed they did not get my fax even tho I had a confirmation letter. They continued pushing me to pay the debt then and said that it would go to the credit bureau if I did not take care of it immediately. They told me that I could not make payment arrangements and that I only had 30 days from the day I moved out of the apartment to pay the debt. Their letter arrived 30 days after I moved out so I could not have paid it. They refused to listen to my concerns, they were unwilling to consider payment arrangements on the corrected balance and all they did was threaten me to pay the balance as quickly as I could. I do not want to deal with these people. I want the communication returned to the leasing office and I will make arrangements with them once they have assured me that the balance has been corrected and this will not appear on my credit report. IQ Data is unethical and people should be made aware of their terrible collection practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-17
Company: LENDER LIVE
State: RI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
LendeLlive is a non bank mortgage service loan collector apparently. And.. since sending them documents and paymentunder the guise of another bank, they still are apparently the claimed servicer of a non-existent mortgage lien holding my name. 
They have requested modification documents from me and robo-signed returned copies

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: I.Q. DATA INTERNATIONAL, INC.
State: TX
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 moved out an apartment complex the XXXX apartments in XXXX Texas. Gave XXXX 60 day notices and left on my move out date which was XXXX/XXXX/2013. They apartment lost my first notice so so gave them another which was sign by their leading agent.Now the apartments lied and said I moved out on XXXX XXXX which was n't true and that stated that a 60 day notice was n't giving and I did, so now I have over XXXX that 's for collection and that 's not correct. I have a company of my lease and my 60 day notice. I even spoke with collection persons about the issue which he claimed he would send me papers to my current address, he never did and I was put up for collection and the consumer disbute it.

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 non-monetary relief
Consumer complaint received 2016-11-30
Company: Tower Loan of Mississippi, Inc.
State: MS
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
calls my job ( XXXX ) when I am unable or unwilling to answer my cellphone. unacceptable

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