BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-01
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I had setup a payment plan in XXXX 2015 to repay back XXXX XXXX for a credit card I had. I was told that the balance was over {$1000.00}. Portfolio Recovery Associates started deducting {$35.00} a month from my bank account as agreed. The only thing that bothered me was te amount. My limit with XXXX XXXX was {$500.00} so I made a call to XXXX XXXX and they too stated the charge off amount was {$500.00}. It states it on all the credit reports as well. I stopped the deductions from my account and requested them to correct the amount to what the real amount was and not the inflated amount that they were trying to have me pay and they stated if I do n't pay the amount that they set up then they would sue me and get a judgment and I would owe XXXX times the amount. You ca n't do this you can only collect hat is owed and no more. They hae taken {$140.00} out of my account which leaves the owed balance to {$360.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This company has reinserTed this debt on my credit file after it was previously deleted which is illegal. This account was removed from my credit file with XXXX in 2015 and they have turned around and out it back on my XXXX file without properly notifying me.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: Resurgent Capital Services L.P.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX reviewed my XXXX credit report XXXX sent validation letter to LVNV- original creditor XXXX XXXX XXXX No response from LVNV and still impacting my credit This account is way over the statute of limitations and should not be on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AR
Product: Credit card
Issue: Late fee

Complaint:
All my credit card accounts are set up on automatic bill pay that offer the option to automatically pay the minimum amount due ... except Bank of America. So, not having information on how to accomplish a minimum payment automatically, I checked the minimum listed and added {$5.00} to it. Well, yesterday I received an email saying my payment was past due and was charged {$16.00} for a late fee. Upon calling them today, I learned that they had upped their minimum payment without notifying me so my payment was not accepted and I was charged. This is the second time that Bank of America has charged me an unfair fee. The first was with their changing the due date by 5 days without notifying me and claiming it was because there was a different number of days in the billing cycle. I did find out that there is a way to set a minimum payment but you have to go to a totally separate page that I was never told about to do it nor were there instructions on the page to set up auto pay.

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 2021-12-23
Company: CITIZENS FINANCIAL GROUP, INC.
State: MO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My husband and I had our primary home mortgage through Citizens Bank with automatic payments including our escrow with taxes and home insurance. We refinanced on XX/XX/XXXX and the loan was paid off to Citizens. There was an extra monthly payment submitted in XXXX which has been returned to us since. 
The escrow money has not been returned to us. When we called Citizens they told us the amount is XXXX XXXX My husband called on XXXX and was told the check will be resent. Our address has not changed and the extra monthly payment did find its way to us at the address they have in the system. I called again on XXXX because we hadn't gotten the check and Citizens confirmed that the check hadn't been cashed. They promised to send it overnight. I called again on XX/XX/XXXX because we still haven't gotten the check or any other communication from Citizens and I was told I would be called by the end of the day once they figured out if the check was Fedex-ed to us. I was not called or emailed. 

Our loan number was XXXX. Meanwhile, we can't log on to the online portal because the loan has been paid off and the account deactivated. 

Please help us get our money back as it is a significant amount and it has been close to 3 months.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-05-01
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I am writing to dispute a situation with  XXXX   XXXX   XXXX   XXXX . They are reporting a negative home equity line of credit account to the credit bureaus of   XXXX    and Experian. It is past the  seven  years that this item should stay on the reports and it should now be removed, however, they are incorrectly reporting it for a longer period of time.     There has been very strange activity with this  XXXX   XXXX   XXXX   XXXX  account. I am disputing items and requesting written documentation from  XXXX   XXXX  documenting all payments made from  XXXX  to  XXXX  as well as multiple consistent 120 day late entries from  XXXX  to   XXXX  . I have made no payments whatsoever past   XXXX   yet it shows payments resurfaced and also made consistently, with latenesses, occurring in  XXXX ,  XXXX ,  XXXX ,  XXXX ,  XXXX , and  XXXX . Actual pictures of the check or money order used to make the payments are being requested.

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 2017-05-20
Company: Navient Solutions, LLC.
State: NC
Product: Student loan
Sub-product: Private student loan
Issue: Struggling to repay your loan
Sub-issue: Can't get other flexible options for repaying your loan

Complaint:
In XX/XX/XXXX we were approved for a loan from XXXX XXXX to further our son 's education. During this time XXXX XXXX changed into Navient. We have paid on our loan for 16 years, the loan was for {$39000.00}. Today we still owe {$25000.00} in principal. We wonder what happened to all the money we have paid in because we have paid {$33000.00} est. We are missing a full year in amortization from the Navient 's list of payments that was mailed to us. Along the way we were slapped with roughly a {$1000.00} in late fees. We are now retired and are concerned about this entire fiasco, and would like someone to help us with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Resurgent Capital Services L.P.
State: TN
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 mailed a letter to the credit bureaus on XX/XX/2021 asking them to validate suspicious accounts i noticed on my credit report due to my identity being compromised. They have failed to even investigate or send me correspondence back indicating they did an investigation and what the out come was. I have no knowledge of these accounts XXXX XXXX XXXX XXXX XXXX XXXX ... LVNV FUNDING LLC XXXX ... XXXX XXXX XXXX that listed on my credit report. Further more, this account can not be 100 % accurate as there are open dates they have listed on my credit report varies between the 3 bureaus. How can one account be opened on different days? I want there alleged accounts in question to be removed from my credit report immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-13
Company: Credit Karma, LLC
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
This is a {$450.00} debt that has been placed into collections. The collection company is XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, CA. I have contacted XXXX by US mail and received two letters back written in XXXX. I have contacted them by phone and they indicated that the original account ( XXXX ) was listed as an XXXX speaking person. I do not speak speak XXXX. I submitted an online dispute with XXXX, but they decided in favor of XXXX. I have never received any documentation, XXXX or otherwise, validating this debt. I have offered to just pay the debt as long as it gets deleted from my credit profile. I was divorced in XX/XX/XXXX, and moved several times in the years after that. This debt recently came to my attention on a credit report inquiry, and is the only negative entry on my report. Although XXXX acknowledges that the original account listed the person receiving the credit as XXXX, they have refused to take any action. The persons I spoke with from XXXX indicated that they were located in XXXX, could have cared less about me submitting a complaint to the federal government of the United States. One call the man identified himself as " XXXX XXXX '' in XXXX, with and XXXX accent. This was false information given in an effort to collect a debt. The debt is in my previous name of XXXX XXXX. My name now after getting married in XX/XX/XXXX is XXXX XXXX.

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 2015-09-27
Company: ERC
State: MS
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Repeatedly contacted to collect debt but wo n't give sufficient details of creditor or matter pertaining to

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 2022-10-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
portfolio recovery REFUSES to give me a signed contract by me, they also refuse to tell me The FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX XXXX portofolio recovery illegally re-aged this outdated debt damaging my credit and refuse to remove it and they keep calling me on the phone. 
WHAT IS FIRST DATE OF DELINQUENCY REPORTED BY THE ORIGINAL CREDITOR XXXX XXXX XXXX????? I NEVER SIGNED A CONTRACT WITH portfolio recovery. HOW OLD IS THIS DEBT???

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions 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 Experian Credit Bureau the date of the last letter was on XX/XX/2021. And now we are in the month of XX/XX/2021 and still nothing from them. That means Experian has NOT complied with the FairCredit 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 XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX ( Original Creditor : XXXX XXXX  ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 explanation
Consumer complaint received 2017-02-22
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I just check my credit report- As I do almost weekly- Apparently I have a XXXX account opened in XX/XX/XXXX under the married name for my ex-husband- Apparently this account went into collection in XX/XX/XXXX I never received a statement from XXXX or any collection- My credit report shows a balance of {$180.00} from XXXX. If either XXXX or ERC in XXXX, Florida- If they had send me a bill prior to my divorce in XX/XX/XXXX I would address this issue and had my ex-husband paid this bill.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-12-16
Company: National Enterprise Systems, Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Nes systems keep calling about a debt for my son that does not use my number. They call several times a day and each time I tell them to remove my number. They still call with local numbers and local business 's that are fake.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-26
Company: Student Loan Finance Corporation
State: MN
Product: Student loan
Sub-product: Non-federal student loan
Issue: Getting a loan
Sub-issue: Can't qualify for a loan

Complaint:
I have been receiving harassing, threatening and XXXX threats telephone calls from Student Loan Finance Corporation in regards to a student loan account and debt of {$3200.00} and {$4900.00} I do not owe. The account or debt do not belong to me. I am a victim of identity theft.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-23
Company: Experian Information Solutions Inc.
State: CO
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: Investigation took more than 30 days

Complaint:
This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove immediately..

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 2021-12-23
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
This has cause a major problem in my life Financially. Ive been working to rebuild credit and this items on my credit report is stopping me to receive a home, loans, and unable to establish a new lines of credit. By FCRA law these negative items on my report should be remove immediately..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-14
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2020 {$110.00} Haven't taken any action yet but I will soon talk to a lawyer if this is not resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
i think there are things on my credit report that belong to my father.

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 2021-12-23
Company: SANTANDER BANK, NATIONAL ASSOCIATION
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
We are the account holders of a Santander Value Checking Account, # XXXX. For many years ( including from the previous banks that were in turn acquired by other banks, until the account was acquired by Santander ), we received monthly statements. The last statement we received was in late XXXX, for the period XXXX. The balance in the account is {$2400.00}, an amount which should remain stable - our account is charge-free with a minimum deposit ( which we have ). We have not authorized anyone else to access these funds. We are pensioners, and we kept this money in our account for a rainy day. When we need to use these funds- they vanished! In phone calls to the bank ( the latest call on XX/XX/XXXX ), the service representatives claimed that no such account exists. In a previous call, the representative transferred me to the Unclaimed Property Division of the Massachusetts state government ; an online search did not find any property under this account number ; a search on XX/XX/XXXX had the same result. When I spoke with a representative ( " XXXX '' ) on XX/XX/XXXX, he could find no record of this account, and said I should go to my branch- despite my telling him that we have had no branch for decades, due to the series of bank acquisitions. Santander has made no effort to inform us of any change in the status of our account, despite the bank 's having our mail address- where we received monthly statements, and our e-mail address - over the years we received season 's greetings to our e-mail account. Neither our mailing address nor our e-mail has changed. Please help us to recover this sum!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
We need your assistance. Portfolio Recovery Associates , LLC continues to call my home for a debt we do not owe and know nothing about. They 've been harassing us since the late XX/XX/XXXX while living in XXXX. We 've since moved to XXXX ( XXXX yrs ago ) and they somehow found our new home # and started ringing it off the hook shortly after we moved here. We set our home phone to 'do not 'disturb ' and they have now found a way to contact us on our cell phone, which is against the law. Way back in the XX/XX/XXXX, we told them we do n't owe this money and they continue to harass us. So we 've been ignoring their calls for the past XXXX+ years. We sent letters telling them we do n't know what this debt is and to produce a copy of the original debt and we 've received nothing in the mail but their letters asking us to pay the debt. The latest letter I received was a couple of days ago. And interestingly enough, a portion of the letter says, " ... Because of the age of the debt, we will not sue you for it and we will not report it to any credit reporting agency. '' That tells me they must be trying to collect on a so called debt that is outside of the Statute of Limitations for California. The original creditor listed in the letter is XXXX XXXX XXXX sold by XXXX XXXX XXXX XXXX to Portfolio Recovery Associates , LLC. My wife and I had a couple of credit cards with XXXX XXXX XXXX that we obtained in XXXX in which the combined balance far supersedes the {$360.00} they are asking for. Furthermore, the credit cards were PAID OFF in XX/XX/XXXX and Portfolio has been calling my house since the late XX/XX/XXXX. That said, we owe XXXX XXXX XXXX nothing, this looks like Portfolio is trying to collect on a very old debt we know nothing about and I want these people to leave us alone! Should you wish to discuss this matter, please contact me through the email provided in this complaint. Any assistance you can provide in this matter is greatly appreciated. Thank you for your time!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Loan Servicing LLC, has committed violations under Dodd Frank and re-filed a mortgage that was not certified and and also has created an assignment on my home. As per the Trust, loan is a defective Mortgage

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 2021-12-23
Company: MUFG AMERICAS HOLDINGS CORPORATION
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
Dear XXXX, I had received the XXXX copy from our client to make fund transfer to our XXXX BANK XXXX XXXX XXXX to buy our Rice on behalf of company in the XXXX Country XXXX XXXX in amount of US {>= $1,000,000}. but until now I did not receive this amount in our bank from MUFG Union Bank, U.S.A. In this transaction I think that is fraud and I also sent email to bank for confirm but non reply.

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