BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-03-30
Company: Byrider Franchising, LLC
State: MI
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
Sold me a vehicle, insisted an insurance payment was included in the payments for the vehicle, continues to collect money for it wo n't provide a policy number, also " guaranteed '' me that it was in tip top shape, and that all needed repairs were seen to before the car made it to the lot, I have put 800 dollars in repairs in 5 months for things I was told were already repairs. I had taken the vehicle to the service department on multiple occasions, was told nothing was wrong, only to be inspected by a licensed third party and fail insurrection for multiple safety issues, still shakes profusely at medium to high speeds, I returned the vehicle and they have contacted me XXXX times in less than a week, and have begun to text me on my personal line as well, they are attempting to force me into admitting it 's a repossession, rather than voluntarily returned due to being suckered into a contract under false representations of repairs warranty and insurance coverage being included and it was not. I was also told that every successful payment will be reported to creditors and not XXXX of them was ever reported XXXX, I was promised that it was a credit building operation.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: Byrider Franchising, LLC
State: TX
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:
CNAC/XXXX is reporting negative collections on my credit report. This was a XXXX Byrider car that i got. The car broke down on us 2 weeks after i got it from XXXX Byrider. They said i was responsible for all repairs. I told them that is unacceptable because the car was making a weird noise to begin with.They were suppose to look at it before i drove off and never did. So the car sat in the street at my house for a long time. I asked them to come take it back that i did n't want it no more. They waited and refused to get car. I told them there was a 30 day return policy and they refused to honor it. I was dumb and young at the time and just let it be. Now i know better and regret my choice. I should 've pushed them to follow their policy. They should n't be reporting it anymore.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-18
Company: Ballybunion Enterprises, Inc
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
We purchase furniture through freedom acceptance corp, I was recently reviewing our credit report and found that we have a judgment in XXXX against us that was filed in 2011. I do n't understand how a judgement in XXXX can be filed against us when we dealt with and made the initial purchase in XXXX. Freedom Acceptance Corp also has debited our bank accounts for unauthorized payments, charged unreasonable fees to make automatic purchases, made collection calls 5-7 times per day. I asked for a written invoice several times and I have never received one.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: Real Time Group, Inc.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We have a short sale essentially completed for this property. Note has not been paid for 7+ years. Judicial foreclosure proceeding is well advanced. Borrower has no assets and is essentially judgment proof and strongly considering bankruptcy and has retained a bk attorney. The first lien has approved {$12000.00} for Real Time Resolutions as the second lien holder under the HAFA program, per program guidelines. We are not getting anywhere with the RTR contact person, and need a deficiency waiver and approval letter for the {$12000.00}. They are refusing to budge off of {$40000.00}. We do n't need all of this to be so difficult. We feel it is a breach of their commercial duty of good faith and fair dealing to demand more money than what the industry has routinely accepted for XXXX liens. Please help.

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: Partridge Snow & Hahn LLP
State: RI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Patridge Snow and Hahn represented a debt that was being claimed for collection by them. They claimed to be XXXX XXXX XXXX XXXX, as their basis for collection, but never offered authentication when asked what executive at XXXX XXXX hired them, if any. 
Patridge Snow and Hahn may be a law firm, but it was XXXX XXXX who threatened me, He reused to provide debt validation to me, XXXX XXXXTheir debt collection abuse was terrible to me and my family.The harassment was /is unbelievable and they claim ownership of the note to my house and will not show any evidence.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: Continental Finance Company, LLC
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They called me 5 times in a single day as a payment reminder without leaving a single message to explain who they were.

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 2015-05-22
Company: Continental Finance Company, LLC
State: OK
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I sent certified mail to Continental Finance XXXX, they signed for the mail. They elected not to respond. I went above my legal obligations in an effort to resole my concerns and to have the bank update there records. I emailed the vice president of customer service, she explained that they never got any correspondence from me. I explained I had the signature card. She explained it was my responsibility to send her a copy of said signature card. I reminded her it was not. She said she tried in good faith to respond. I then explained an example of good faith would be responding to mail they signed for. She disagreed and refused to remove said inquire and or provide proof I agreed to this company accessing my credit reports.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: APR or interest rate

Complaint:
I have XXXX cards with Capital One, it was an attempt to rebuild my credit. This company business parctices and interest rates is slavery. I made XXXX cash advance a year ago and still am being charged interest on that. The interest that i pay for any purchase is well over my monthly payment. Its like a hole that you ca n't dig yourself out of. It 's ridiculous!! I do not use either card, and have not since last summer XXXX XXXX XXXX and still have no money for purchases due to the interest. Im being charged interest on making a payment too.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Resurgent Capital Services L.P.
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:
Some dept collector company LVNV Funding with the name of XXXX XXXX XXXX XXXX. keeps calling and threatening to bring my credit score down. They claim I owe money to some credit card company. I was told my credit score would be brought down to XXXX. I was told could I could only receive the company I owed was if I gave them my social security number.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
XXXX XXXX I sent to all XXXX bureaus FTC affidavits and notarized form of identity theft, and the bureaus in response sent letters and the information along to all the questionable things on my report. Contrary to the law, capital one has instead of blocking their reports, went ahead and now sold the information to a credit collections agency when it is illegal to sell information reported as fraudulent particularly when an investigation is pending. I want this information properly blocked and removed from my reports.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-13
Company: Resurgent Capital Services L.P.
State: MO
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 noticed a debt from XXXX wireless on my credit report last year that 's in collections. I have repeatedly disputed this debt. I have informed them over and over this is n't my debt, that I have never had services with XXXX, nor lived at the address that 's tied to the account. In fact, I have never lived outside the state of Missouri in my whole life. Every time I disputed it, they sell it to someone else. It gets removed then put right back on my credit report.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: Byrider Franchising, LLC
State: WI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I purchased a vehicle from JD Byrider XXXX/XXXX/14. Yesterday I went to trade in the vehicle for a newer truck. The dealership informed me that my vehicle was only worth {$2000.00} and that the pay off for the loan was {$8800.00}. This seems way off. I trusted the dealership and the finance company because they are affiliated with each other. I feel that they took advantage of me and I am stuck with a vehicle where I owe 4 times what the vehicle is worth. Further more when I contacted the finance company last night and asked for a hard copy of the pay off I was told they do n't have that in a hard copy. I threatened them by asking them where I was to send a sopena to get this information. She reluctantly sent me a copy of the general ledger.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: Resurgent Capital Services L.P.
State: WA
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 received a letter from XXXX XXXX XXXX XXXX XXXX XXXX stating that their client " LVNV Funding LLC '' is offering a discounted offer to pay off a debt. The letter indicates the current Creditor is LVNV Funding LLC and the original creditor is XXXX. I have never held accounts with either of these entities and feel this debt is not valid and certainly not my debt. I have done some research online about LVNV Funding and find that there is a ton of information on credit reporting websites that show this LVNV company is conducting illegal collection activity. I am writing this company back directly disputing this debt and requesting that they remove my name and address from their accounts and cease and desist in all further contact or request for payment since this debt does not belong to me and I have no responsibility to pay this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Resurgent Capital Services L.P.
State: CA
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:
I was in prison at the time this account open in XX/XX/XXXXyou can look me up at XXXX.. I been XXXX since XX/XX/XXXXSo I was not around to open this account or somebody else use my IDLVNV FUNDING LLC is trying to collect {$12000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Skagit Bonded Collectors, LLC
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
This is with regard to Skagit Bonded Collectors. This collection agency employs my ex-husband. I have requested that, due to my belief that this situation is retaliatory, that they cease all activities and remove the accounts from my credit and their offices. My ex-husband has disclosed the debts to our children, while he was at work. When I wrote a letter of complaint to the collection agency, I received a letter in response telling me they saw no third party disclosure. Unfortunately, I too am a debt collector and know the law. They are not allowed to discuss my debts with anyone other than myself. That includes my ex who not only disclosed the debts to my children violating the law but also disclosed accounts that were placed in his employers office. I am asking that, due to these violations, these be removed immediately from my credit report and sent back to the original creditors as noncollectable due to a conflict of interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Other

Complaint:
In XXXX I had a hardship. I noticed that no matter how much I paid on my Juniper ( Barclay 's Bank ) credit card the balance never came down. I was at 12.99 APR. I thought this odd since all my other cc were higher interest and the balance was reflecting my payments. So I called and asked for forbearance and also inquired about the balance and payments received. I was told that they could help by bring my interest down on new purchases for one year. As far as my balance they said I needed to pay more than the minimum which I did more often than not. After the phone call the closed my account. I made XXXX or XXXX payments and noticed no change in the balance and decided to stop payment on the Juniper cc and make payments on cc 's that were showing a positive result towards my balance. This was XXXX, up to this date I had paid nearly XXXX on a XXXX balance. They also locked me out of my online account to where I could not retrieve any information. Fast forward to XXXX. I have been receiving harassing phone calls from Juniper since XXXX asking for payment. I have sent letters, and have asked them to stop calling as I am not financially obligated to this account anymore. In XXXX XXXX the account was sold to a collection agency who told me that I had until XXXX XXXX to pay the settlement amount of XXXX or they will bring a judgement against me. I looked into my credit on both XXXX XXXX and XXXX and both show that Barclay Bank state that I continued to make payments up to XXXX of XXXX which is not only a lie but fraud. I have bank statements to prove otherwise. I was without employment. I was a student at the time, and refused to pay Barclay Bank due to their unfair practices back in XXXX. And since in XXXX I was the only one who was employed would be the reason for my asking for forbearance. Barclay Bank fraudulently added time and payments to my account so that they could continue to pursue, harass and ultimately sue me. 
I have disputed this with XXXX XXXX online, but will need to call XXXX to dispute.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-09
Company: Resurgent Capital Services L.P.
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 was paid

Complaint:
I paid the debt with a settle offer. Please help me remove it from my credit report because I am trying to purchase a home and this is slowing the process. Thank you for your help.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-09
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
I left because their was rodents and other insects in both places, that I made numerous complaints about. I do not owe any debts to any of these companies.

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 2016-08-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I have XXXX different Capital One Credit Cards, accounts ending in XXXX and XXXX. Capital One is reporting late payments on both of my accounts. I have disputed the late payments and asked for them to please provide me with the date the accounts became 30 days late, the date that I called them with my payment or hen th payment was withdrawn from my bank and the date the payment was credited to my account. I have sent 3 different letters to Capital One Bank in XXXX XXXX XXXX and the response I get back from them is : " We have confirmed the late payments. '' They are refusing to provide proof that the payments were indeed 30 days late and are refusing to provide me with information that I, as a consumer, am entitled to receive under the law. I have never disputed that the charges are mine nor have I stopped payment on the accounts, all I have asked is that they provide me proof that the 30 days late payments they are reporting are correct. Since they have refused to do so on several occasions, I believe that they do not have proof that the accounts were paid 30 days late. Capital One Bank is know for holding payments for a day or two if the deadline for 30 days is close. Do I admit that I have come close on those dates that they are claiming 30 days late, yes I have no problems admitting to that, but every single time I have made a payment I make sure to ask : " This will not put my account into 30 days late correct? '' And every single time I have been assured by their Customer Service Representative, " No, you 're paying within the 30 days so you will not be late ''. I feel that Capital One Bank is not being up front and honest and providing a customer with what they are required to do by law.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: Concord Resolution Inc (Closed)
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
My place of employment received another phone call from Concord Resolution after being told not to call them so I called Concord Resolutions and spoke to XXXX XXXX XXXX. He stated that I took out a payday loan a few years ago but did n't say who the loan was with, how much I supposedly owe and after asking him to send me correspondence in the mail about the loan, he refused saying that there was no need to do so.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-12
Company: Resurgent Capital Services L.P.
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I had an account with XXXX XXXX XXXX that was paid in full. I had in the past trouble with people using my information without my knowledge. I have contacted XXXX XXXX XXXX and had my account closed a few time. I recently received a notice in the mail from a debt collected stating that I owe money to XXXX XXXX. I told the debt collector that this is a fraud account in my name. I also stated with them that I had in the past a account with XXXX XXXX that was paid in full and closed. The collection agency stated that they will contact XXXX XXXX to have this removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: PLS GROUP, INC
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
have asked to stop calling and bill me. Have asked to stop leaving voicemails, have asked to stop calling my references.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-05
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My property was foreclosed on XXXX XXXX, XXXX. The status REDISPOSED back to the lender. The Judge said I am no longer responsible for the mortgage anymore. I am free from the debt! Now I have Real Time Resolutions trying to collect the mortgage debt from me after several years later. I explained to them that I was foreclosed and release from any debt from the mortgage. I do not own the property anymore and it went back to the lender. Experian would not delete account because the account has to be closed. I contacted XXXX and asked them on XXXX of XXXX the account is over 7 years old and needs to be deleted which I do not own this mortgage! XXXX the customer service rep said the Real Time Resolution is going to a positive status between XXXX XXXX to XXXX XXXX. Again I explained to him that it was giving back to the lender and why would I pay for something I do n't have. XXXX said it will stay positive in good standing section. Again I do n't own it and I ca n't buy anything with this showing a balance of XXXX which I do n't own. XXXX said they can not Re-Aging of the account, because its illegal. It will stay on your credit showing nothing. For it to completely come off the credit report Real Time Resolution have to closed the account. Its been over 7 years now and I like to purchase a house but I ca n't. Please help me with this situation ... thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Late fee

Complaint:
I was charged late fees on both of my Capital One accounts fraudently. I have a balance above {$800.00} on both accounts and the monthly minimal amount due was under {$50.00}, and the payment due dates on both accounts are the XXXX of each month. I decided to make an EARLY payment on both accounts on XXXX XXXX, 2016, although my payments were n't due until XXXX,2016. When I contacted Capital One and spoke with a manager ( XXXX ), advised me I was charged a late fee because I paid early on both accounts so the XXXX,2016 payments applied to my XXXX bill. She also explained to me the reason my XXXX XXXX payments were applied to the XXXX billing was also because my XXXX billing had not been released until XXXX XXXX, 2016, which made no sense. If I made an XXXX payments it should be credited for XXXX, not XXXX. There was absolutely nothing on their website that indicated a payment rollback, which would grant them permission to apply my payments backwards. This is a fraudulent business practice to allow Capital One the ability to collect fees from me as a customer/consumer, they do n't deserve. I pay on time every month and I over pay the minimal amount due. Why would they penalize a customer which could negatively impact my credit?!

Company response to consumer: Closed with explanation