BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
this is going to Capital One auto finance - we have a loan with them for a vehicle first thing that happened we made a payment on line which was suppose to be free and was charged a XXXX fee which they would not refund -second is that will not take either one of oour debit cards for a payment - so we either mail it or go thru XXXX XXXX - third even though it states you can call them XXXX to XXXX at XXXX we can not get them to answer the phone - fourth the payments fell behind and about two weeks ago they came for the vehicle - my son called that same day and they gave him until XX/XX/XXXX to make a payment to catch up and told him they would add the holding fee to the end of the loan - we made the payment thru XXXX XXXX XXXX XXXX and when he called the next day to get the vehicle back they sent it to auction - told him he would have to come up with the XXXX holding fee now - they are saying they did not tell him that info when he talked to a rep two weeks ago and found out then what he needed to pay - it has been one thing after another with them -the last XXXX people he had a hard time under standing what they were saying -

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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:
Fraudulent Unauthorized credit inquiries on my credit reports, I tried to dispute it with the companies but not able to, its seem any bank or agencies can run a consumer report and no one seems to care about it. 

On my transunion report XX/XX/2023 by 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 2016-01-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have received a credit card offer in the mail on XXXX/XXXX/2016 for my deceased wife, XXXX XXXX. She has been deceased for over one year. Eight months ago I placed her name on the FTC list for opting out of solicitations. I have attempted to contact the company by following instructions from their web-site. Their privacy policy directs me to " submit an unsubscribe request '' yet no feature exists on their website. The policy provides no alternative phone number nor mailing address. My complaint is to report the credit card company for violating federal regulations by publishing a privacy policy with bogus opt-out instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Other fee

Complaint:
CapitalOne has been charging me a membership fee of {$3.00} for the past 6 years. 
The customer service agents can not tell me what its for, or what benefits it provides. 
I have an identical card, but Visa branded, the one in reference is a mastercard, and it DOES NOT have this fee. 
My wife has the mastercard version and visa version, so the identical set up i have, and she DOES NOT have the fee on either account. 
The customer service folks are totally unwilling to resolve the issue or offer a VALID explanation. There is no reason i should be charged this arbitrary fee that literally does nothing. The listing of benefits for my card with the fee and my wifes identical card without the fee are identical. There is ABSOLUTELY no value from paying this fee. 

This is my OLDEST credit account and i do not want to close it, however i will happily enter in to a lawsuit just because my uncle is a lawyer and he needs to eat, if you understand me, because as he put it " this occurrence is a cash cow ''. He seems to think that UDAAP can be invoked in this instance and wonders how much he can make from this. 

So we can go either route, drag capitalones name through the mud on social media, the traditional media ( one of my XXXX works for the XXXX in town ), the court system ( my friend from highschool works in the DA office ). 

I currently have XXXX connections on facebook on my personal page, i have over XXXX reach on my professional facebook page which is finance related, i have thousands of connections on XXXX, and i have a XXXX account for my nonprofit that is reaching XXXX followers very soon. I have no problem bringing the truth to light, i also have time as well to do all of this as i have plenty of PTO accrued. 

So will we get rid of the fee for the past 5 years? or Will we begin a journey we can not un-begin? 

Your choice, i hope you take this seriously as i have a network of individuals in XXXX who work at capitalone offices and i would hate to have to call in a favor and get them jobs elsewhere leaving you high and dry intentionally, because honestly i have that type of influence.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Responded to initial contact letter with a timely debt verification request. Collection agency continued collection activity ( calls and letters ) before responding to the debt verification request.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-10
Company: Velocity Portfolio Group
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 have received a threating letter from XXXX XXXX, Incorporated address XXXX XXXX XXXX XXXX XXXX, XXXX, SDXXXX. 
Phone number XXXX or XXXX file # XXXX Dated of letter received : XXXX XXXX, 2016 I believe this is an overt attempt to collect on credit card that was discharged off my credit report and should n't be sent to my attention at this point. As matter of fact this is an old debt from what the letter states. Its been resolved. I was a victim of identify theft and even though this is coming to me now its been discharged period. 

Current Creditor : Velocity Investments , LLC, Named person is XXXX XXXX, Operations Manager Original Creditor : XXXX XXXX, XXXX. 
Original account # XXXX This is nothing but extortion of an old debt which probably was sold to this organization. I want this issue resolved and closed out.

Company response to consumer: Closed
Consumer complaint received 2016-09-23
Company: Radius Global Solutions LLC
State: IN
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Creditor masked -- misrepresented -- its phone number by using my home phone number and XXXX disconnected phone numbers formerly associated with me to dial my cell phone number. I would not have called my cell from my home phone and could not have done so since I was at the VA medical center when the call came in. There were no other people in my home who could have made the call, and my home phone 's " redial '' log does not show the call to my cell.

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 2017-04-03
Company: Coinbase, Inc.
State: NJ
Product: Virtual currency
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
My husband opened an account with Coinbase, an online trading tool for XXXX, in 2014. He passed away in 2014 and, to date, despite having provided all the information requested by Coinbase, I have been unable to access his account and sell the XXXX. There is no phone number for customer service and all my email requests for assistance have been ignored.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-19
Company: Radius Global Solutions LLC
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Re-XXXX of Central Credit Services ( XXXX ) XXXX keeps My Family very uncomforted. He calls our home phone at very odd hours and weekends. We have tried to stop him ourselves but he is out of control by us. He tells my Associates that I owe him $ 11,000.00.I do not know him and have not in any form encountered him in any Business. 
Please help my family by putting to check. 
XXXX XXXX.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: RentDebt Automated Collections, 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 was discharged in bankruptcy

Complaint:
I rented an apartment with my cousin and my uncle cosigned for us. At the end of our lease we moved into separate homes. They mailed her the paperwork saying we owed money because we did n't give them a 60 day notice which i thought she had notified them. I did n't find out this information until a year later after it was on my credit. I contacted the credit agency and make payment arrangements to pay in full. When making my second payment they asked me about a bankruptcy I said i knew nothing about it and they took my payment. They took my XXXX and XXXX payments. When making XXXX 's payment they would n't even talk to me because there was a bankruptcy on file and said I was unable to make additional payments and they were not able to even speak to me about the account and hung up. I 've tried several time to to contact them. I was never included in the bankruptcy. My uncle filed the bankruptcy. I just need it off my credit ill make payments. I do n't understand how they knew about it when they took the XXXX XXXX payments but now I ca n't do a thing with it. The Mortgage company told us this is the only thing keeping me and my fiance from getting a house. I just feel trapped at this moment because i ca n't do anything with this on my credit and I ca n't do anything to get it off. Any help would be appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-09
Company: Utah System of Higher Education
State: OK
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
In XX/XX/2017 I was denied XXXX because of my husbands income. UHEAA my loan company assumes that you have % XXXX of ur gross income for expendable income. They do not factor in taxes or our bills. They refused to look at our financial statement and ignored his XXXX in student loan debt. We can not afford the {$260.00} they want in my payments at UHEAA. When I first called them they told me i could lie on my application and put that i do n't have access to his income because i make less and they could go off my income. I refused to lie on an official document. The second time I called they told me I could make a payment of {$120.00} a month for 6 months but after that I would owe the {$260.00} I told them we will not have the money then. We have a lot of bills. They still refused to look at a financial statement. I have called them trying to get them to lower the payment 4 times this week. The first time I was told by XXXX at their office that they have graduated plans and consolidation plans on student aid.gov. I called back the next day to apply and they said that they do n't have those. I called again the next day on Wednesday XX/XX/XXXX and they told me that another loan company can consolidate for me, like XXXX. I called them and that turned out not to be true. I feel i have been lied to multiple times on their services. Every time I call I get a different story and they will not work with me. I finally gave up today and took the {$120.00} a month for XXXX. I believe they are giving misleading information and lying to customers. They have turned this into such a stressful situation because I can not get any straight answers from them. I believe they need to be investigated by the government for their misleading practices. I want straight answers from the company because so far I have no idea what they offer. Please help me and others from enduring this stressful situation. 

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 2023-04-04
Company: AMERICAN EXPRESS COMPANY
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
I have an open complaint about American Express, XXXX I called XX/XX/XXXX XXXX ET asking to speak to the supervisor who left me a voicemail 2 weeks ago. I called last week and still have not received a call back. 
They once again told me someone would call me within 3 days. I asked for the department and contact for service of process as requested by my lawyer. Amex refused to give me this information. This is highly inappropriate to withhold this information and likely illegal

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: TIDEWATER FINANCE COMPANY, INC.
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Dear XXXX : I can not pin it down, but however I feel that I am taken for a ride. I had purchased a TV from XXXX for {$600.00} and financed it through Tide Water. I paid the loan that I owed and I am still receiving payment notices in the mail. I asked them what do I need to do to conclude the matter and close the account and the representative said to me if you pay today {$81.00}, XXXX XXXX XXXX dollars and XXXX cents, plus XXXX dollars processing fee ; I can finalized the account. [ {$73.00} + {$8.00} = {$81.00}. I told her that I can only make the payment on the XXXX of the month, since the due date is on the XXXX ; I should still be on time. She said if I did not make the payment today, right now on the phone, she can not guarantee that the amount that I owed to be the same. 
I asked her how did she came up with the {$73.00} balance ; since I had already paid {$100.00} the month before after the loan amount was paid. She said that it was a fee for paying pass six months. The amount changes arbitrarily ; she could not give me a definite amount for the late fee. 
I feel that it is a deliberate effort to take money from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: FORD MOTOR CREDIT CO.
State: UT
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a vehicle loan with Ford Credit. They had my phone # and Email account to contact me anytime they needed. They called and would leave messages of call us, but never an email or call mentioning that pay or we will repo your vehicle. In fact on their web site for my account it said nothing of pay by XX/XX/XX date or we will repo vehicle. Suddenly on XXXX/XXXX/15 a tow truck comes at midnight and takes the vehicle, I ask the guy why and he says for Ford Credit. I go in and check my account online and it says the loan is past due but still no warning of repo. 3 days later still no warning of repo, so I send internal message to their support board from my account login stating this is wrong, what is up and why no fair warning. XXXX later they close the access to web account, I get a call from them asking me to pay some payments, I ask why if you have the vehicle already? The gal says oh and hangs up on me. How can Creditors get away with operating this way? Now after 9 days ( on XXXX/XXXX/15 ) I get a letter stating the vehicle was repo 'd on XXXX/XXXX/15 and that on XXXX/XXXX/15 it will be sold at a " Private Auction '', unless I pay them the full balance before XXXX/XXXX/15 - really I got the letter on XXXX ( Saturday ) and XXXX in Monday giving me 3 days to cough up the money and get it too them!! I feel this was handled very poorly, and unfairly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-02
Company: Mid-Atlantic Finance Co., Inc.
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had bought a 1998 XXXX from a buy here pay here car lot.Paid over XXXX years then had my account sold to Mid Atlantic Finance in XXXX Florida.I tried trading this car in but was told this car was only worth XXXX.I was having to pay XXXX.So I gave the car up, as it was not worth it.This company got the car back, and then started reporting on my credit.This year since I disputed the debt they have changed the amount owed from {$3000.00} to over {$4500.00} they also changed the months on the term to 360 months for a car, not a house.This is crazy.This company is just trying to report false information on my credit score to make it go down since I did n't finish paying them what I feel I do n't owe them in the first place.The tax notice states the cars market value at {$2100.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-07
Company: American Student Assistance
State: CA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
In XX/XX/XXXX I went to a XXXX school at the school, they told me these were PELL grants they were not to be paid back. I was on county assistance at the time my case worker also had to check this paper work because she wanted to make sure i wasnt receiving extra money besides what the state was giving me monthly ... she also told me they would not have to be paid back by me they were federal pell grants given to low income partcipants. in XX/XX/XXXX I rented an apartment and this student loan was a negative mark on my XXXX print out the apartment managers is the one who told me i needed to call these people and find out what this loan was for ... I didnt know anything except that i didnt believe i owed it but in order to get it off my XXXX I needed to make tHese payments and they would put it in a current status and it would no longer show up so i did, until i kept paying on it and instead of it going down it kept going up .. this whole thing makes no sense mainly because no one can come up with the MASTER PROMISSORY NOTE for the original loan so reallywho do i owe and what do i owe and above all else wheres all the money i ve paid with no proof i even owed this in the first place.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-20
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT
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:
A request was made by me to terminate my lease at Pleasure Bay Apartments, XXXX XXXX NJ prior to the end of the year term due to a job change in another state for a move out date of XXXX XXXX XXXX. The original year lease was until XXXX XXXX XXXX. A week prior to moving out I visited, in person, the XXXX XXXX Office on XXXX XXXX. An employee of XXXX informed me that there are other tenants that are scheduled to move in XXXX XXXX so I am able to terminate the lease early without any penalty. Prior to that in person meeting there was no communication received from XXXX XXXX regarding the situation of incoming tenants even though the request was made in XXXX XXXX. I then started to make arrangements to move out and move into an apartment in Connecticut under the impression that if the information I was told changed in any way, I would be notified of the changes. No update was received. The move out date of XXXX XXXX came, and I moved out. A month later, I received a bill which included final charges related to wear and tear from 4 years living there as well as a charge for one month rent. I then called Pleasure Bay Apartments about the charges and disputed the month rent charge. They informed me that the incoming tenants never moved in and that I was liable for XX/XX/XXXX. This is the first time I was informed of a change in the verbal agreement that I received on XXXX XXXX XXXX. During the call, I disputed the charge with a woman from XXXX XXXX. An agreement was never met and this is the last contact from Pleasure Bay until a call from a collection agency on XXXX XXXX XXXX If I had be told of the incoming tenants moving out I would have cancelled my arrangements and continued to stay at Pleasure Bay until a tenant was found. Instead I was never contacted and as a result I have been charged for the apartment for XX/XX/XXXX when I never used it. They were aware of me moving out because they never contacted me after to reschedule another move out date and took it upon themselves to move me out next month and send me the bill then. All the paperwork, including the bill received, the person I communicated with at XXXX XXXX, the statements that were made by her, as well as any paperwork related to living at XXXX XXXX, and the collection agency letter are available.

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 2015-07-12
Company: Real Time Group, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Reporting to the Credit Bureau ( XXXX ) that my debt is paid in full, however its 120 plus days late. I 've contacted them XXXX times and they keep telling me that they are reporting it correctly. Yes, it is showing Paid in Full, however they will not change the status which shows it is over 120 days past due. The account has been paid for over a year, but its affecting my credit score on XXXX. This last time I contacted them, they simply sent me a letter that they had already sent me on XXXX XXXX. They did n't even try to correct this issue. I 'm reaching our to you all before I sue in court. This is costing me money because my interest rate is higher because of this. XXXX score is XXXX points less than my other XXXX scores and its all because of this erroneous reporting. They are breaking the law by reporting erroneous information according to the FCRA.

Company response to consumer: Closed with explanation