BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I was a capital one credit card holder for well over 4 years with an immaculate payment history with the company. There were numerous disputes that needed to be taken care of and I was able to provide proof of the dispute for 100 % of all disputes. I have been working on getting my money back and getting my account reopened for 2 years with this company. I was promised, by Capital One, that my XXXX accounts would be reopened after the disputes were completed. Not only did Capital One not honor their guarantee, Capital One fraudulently stole money from my secured card after they closed it. 

Capital One has literally led me on for over 2 years about reopening my account and I have proof. Between letters from their executive office making guarantees to me, then the individual in charge of my case abruptly leaving the Capital One and then my continued calls to the company and not getting back to me over the course of 10 months. I continued to reach out to Capital One and reached out directly to the executive office in the XX/XX/2016, yet again and continued to correspond throughout this year. After sending a massive package of documentation via fax and physical mail to go over and honor the dispute that I was explained would be taken care of, the representative in charge, never followed through. I called twice per week, every week this year alone, not counting the previous times. As I continued to send the documentation in, specifically for charges that were paid by other means, the representative continued to send me emails that he was working on the issue. 

The issue continued throughout the year until I received an email that the XXXX credit cards that were unsecured, would be open and that I would have a choice of keeping my secured account reopened or close it and I would be refunded the secured amount THAT I INVESTED IN, over {$1200.00} dollars. I chose to keep the accounts open and I have n't heard back from Capital One since the XX/XX/2016. 

XXXX accounts. 
XXXX unsecured - XXXX secured - Capital One needs to reopen all XXXX accounts A few of the account numbers ending : XXXXThere are an additional XXXX account numbers missing that Capital One can fill in

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Other

Complaint:
Capitol One Bank XXXX The creditor did obtain a fraudulent judgment by filing an illegal lawsuit against me. Further, the judgment is now expired yet the creditors collection agency is still trying to collect on the illegal judgment. The creditor filed a lawsuit supported by a fraudulent " affidavit of Debt '' which was " robo-signed '' by the creditor 's employee. No actual verification of the actual amount owed was undertaken by creditor. 
Further the judgment has now expired yet the creditor and their agent are still trying to fraudulently collect upon this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I have many accounts at Capital One 360. It is an online-only bank. Their website and app access has been down for days. Phones not answered. No messages on their website, but credentials for login no longer work. Per XXXX and twitter it seems no customers can access their funds. No access to checking or savings.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Someone unbeknownst to me submitted an application for a Capital One card. Evidently it was sent out, although it was not received by me, and someone used it. I reported the fraud as soon as I received information that the card was issued and in use and told them to cancel the card immediately. Unfortunately they did not, claiming that someone called afterwards claiming to be me and they kept the card open, permitting someone to charge an additional {$700.00}, and after a XXXX call, the card was closed. However, Capital One decided that I am responsible even though I repeatedly told them that I did not request, receive or use the card. Calls were not returned, dunning calls are constant, and they keep sending statements. I contacted an attorney who sent a letter, and they completely ignored it, admitting that they have no application proving I requested the card, yet keep insisting that I pay the balance that keeps increasing each month. I have placed a complaint with the FTC as well, but they said that they do n't do anything for me. My phone number has been spoofed and seems to be used for robocalls as well as trying to get credit cards ( Capital One states that they know that the calls came from our home phone even though they ca n't send me proof, and even if they had it what would it prove since I have put in complaints to XXXX? ). XXXX had called prior to Capital One asking if I had requested a card or was it fraud - not sure why, but I told them that I did not ask for nor did I want a XXXX XXXX, and none was issued. Please understand that I have XXXX and ask my wife to take care of all matters pertaining to this. I do not go shopping and can no longer XXXX. I have enough health issues without this being added on top of everything else.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I purchased a vehicle cautiously with the assistance of my co borrower and made it known to the dealer that I was not 100 % sold on the vehicle. I was advised that I could return the vehicle within 30 days for something else if I was not happy with my purchase. I was not happy with the vehicle and returned it to the dealer and received a return receipt. After a couple of months I receive correspondence from the finance company about unpaid debt. I received a further call from the finance companies detective who clarified that the car was indeed in the possession of the dealer who was unaware of its return. I made this known to the collection agent who was servicing the account and forwarded the necessary documents and letter or explanation but the issue was never amended. The debt has been sold to another collections agent who is now harassing me for a debt that does not exist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-25
Company: Diversified Consultants, Inc.
State: IL
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:
I sent 2 letters to request that the agency, XXXX XXXX XXXX, provide a copy of viable evidence, bearing my signature, showing the account is being reported accurately. They have failed to provide the requested evidence and have kept the account active on all XXXX credit bureaus. This is a willful non-compliance as per FDCPA 807. False misleading representations [ 15 USC 1962e ].

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Diversified Consultants, Inc.
State: MI
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
First off, this is a {$250.00} bill, debt from XXXX, which i 've lost work & could not pay for EVEN that. This collection agency has called " Almost '' every morning right at XXXX, waking my XXXX & XXXX old grandparents. 

Furthermore, i 've spoken with their agents explaining i lost my job ; should be back working w/in 2-3 months, and for them to call back - or i rather prefer to call you back, i will be able to pay on debt then. 

Collection agency is based in Florida, but caller id says " XXXX XXXX, MI, '' this Collection agency is CIRCULATING a New phone # every call now, which seems purposeful harassment, to purposely change their caller ID # or buys multiple 'spoof ' phone lines to, well you can figure it out. 

I 'd made it clear, and was very cordial, straight forward, and doing best to resolve this issue ; at least 4 times I 've explained to them. 

The lady also stated to me " does n't your grandpa or mother have the money for a payment? '' which they HONESTLY do not, barely making ends meet ; not to mention i thought was pretty TERRIBLE of her to suggest!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: Diversified Consultants, 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 is not mine

Complaint:
I lost my business due to the economy & had to move to find work. The apartment I moved into did not allow satellite dishes to be mounted on the building or property. I paid XXXX in full every month for over XXXX years ( including additional expensive sports packages ). Contacted XXXX before I moved to terminate service, paid account in full and returned all equipment they required. 

Now they have sent my account to collections to try to force me to pay {$520.00} for early termination. 

The FTC currently has a lawsuit against XXXX for illegally charging customers $ XXXX.+ for early termination citing it as illegal. 

West Virginia law states that if the account is more than XXXX years old ( my account is over XXXX years old / active for XXXX ) they can not sue me or report debt to any credit agency. 

I do not believe I owe XXXX any money.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: APR or interest rate

Complaint:
I contacted USAA Bank to discuss the interest rate on my Master Card. My hope was that they would consider lowering the rate to help a customer pay down their balance. First, I understand this is their choice and had they said no because it was company regulations I would have been unhappy but accepted it. What they claim is that government regulations do not allow them to lower the rate. They said specifically that XXXX XXXX in the credit card act of 2009 does not allow. I read through that and it never mentioned lowering rates, only increasing them. 

In summary, my complaint is that they are misusing government regulations.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
USAA has charged a significant amount of over drafts and returned item fees without providing any clear disclosure of how and why they are charged. 

USAA cut off access to USAA.com via a computer which is the only way to access accounts unless you use a mobile phone or go to a branch. There are no USAA branches in my area. 

I feel that this is unfair treatment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My parents entered into an arrangement with XXXX XXXX XXXX to pay off credit cards used to pay for my mother 's medical expenses. My mother passed away in XXXX 2015. In helping my father determine the agreement with XXXX, including the contract length, the payment arrangement, and the status of the debts associated with the contract, it has come to my attention that this company operates in a deceptive manner. The company takes the obligors monthly payment, does not contact the creditor until XXXX believes they can make some sort of settlement with the creditor. During that time, the representative told me they are well aware that the obligor 's creditors continue to charge late charge fees, increased interest rates, etc. Even though my father had notified them of my mother 's passing, XXXX failed to contact any of the creditor 's to determine if the accounts were in my Mom 's name or Father 's name. My father had enough money in his XXXX Account to settle the debt, but until I called they had not contacted the XXXX remaining creditors.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am a member of USAA Savings Bank. I have a USAA Secured Visa Credit Card secured by a CD with USAA. In XXXX 2016 I reported my Credit Card stolen. The card was shut down and a new card issued for this account. Ever since that card has been shut down I am showing XXXX separate accounts in my credit reports. XXXX my current and authorized account and XXXX an the unauthorized and fraudulent account that is being actively updated in my credit report monthly BY USAA. When I asked USAA they say that they do not see the unauthorized account in their systems, they can not pull up historical info on the account that had the unauthorized activity, and they do n't seem to think it is a problem to have XXXX separate account being reported as active when there is only XXXX account. All I want is to remove and stop reporting the stolen account as my active account to the credit bureau.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-12
Company: Convergent Resources, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter of a alleged collection of a debt I did not own nor authorize, nor sign any documentation hereto ... Convergent Outsourcing INc, contacted me in representation of XXXX XXXX another 3rd party collection company, that purchased from XXXX XXXX XXXX XXXX ... in representation of XXXX that discharged and charge off of a account I did not authorize, nor owe ... complete fraud on their parts.

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 2015-04-03
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: WV
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I applied over the phone for a credit card that was advertised on USAA website as a 1.5 % cash rewards credit card. I think it was a new product at that time, so when I called to apply the lady had trouble finding the specific XXXX I wanted, but after a few minutes on hold she came back and said that she had found the 1.5 % cash back World MasterCard that I wanted to apply for. We went through the application process over the phone and at XXXX other times throughout the conversation I verified that this was the 1.5 % cash rewards card. I was put on hold again XXXX of these times and the worker came back to the phone and said yes, this is the 1.5 % cash rewards program card. After a few days I got the card in the mail and it was just the plain USAA World MasterCard, not the 1.5 % cash rewards card. I already had a 1 % rewards card from them. So after several unsuccessful phone calls to their executive resolution people, I sent a consumer dispute form to them detailing that I wanted the card removed from my credit history and deleted, not cancelled. ( I was told over the phone multiple times that the only thing I could do was cancel the card, but I will not do this because it lowers your credit score from my understanding to have an account opened then closed within a month period. ) They contacted me and said they could not do what I wanted by removing the inquiry from my credit history because I did authorize application and that I would have to cancel the card and re-apply. I authorized application to the 1.5 % and not the card they gave me, so I believe it is their responsibility to remove the application from my credit history.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-28
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I purchased a vehicle on XXXX from a XXXX dealership called XXXX XXXX. The vehicle 's original posting stated the car was in perfect condition and was recently fully service by a OFFICIAL XXXX service dealership/shop named XXXX XXXX also in Florida. The vehicle was purchased on XXXX/XXXX/2016 and the vehicle didnt arrive at my home in XXXX until XXXX/XXXX/2016. I drove the vehicle approximately XXXX miles, ( the original odometer and current readings can prove it ) as I needed it to go on XXXX leave and the car started leaking FUEL on the freeway and I was forced to stop immediately around the XXXX area. I had the car towed to the nearest XXXX service shop near my wife 's area called XXXX XXXX XXXX in XXXX. They charged me {$160.00} just to run a diagnostics to see what was wrong, and during this process, they explained to me that the fuel intake manifold was put on too tight causing it to fall off and leak the fuel ; which was later admitted by vista XXXX that they had messed this up during the initial servicing before it was shipped to me, which apparently made XXXX XXXX give XXXX permission to dismantle the vehicle without my consent, but no repairs have been done, the vehicle is still just sitting there with the work halfway done to it because no one wants to own up and assume responsibility for the repairs to be made. I dont understand why the vehicle was even taken apart for repair if no consent was given nor proof of financial assurance for the repairs were shown or given. Also, XXXX explained to me that the vehicle has aftermarket engine parts, which was not stated in the original listing whatsoever. The vehicle is currently at the XXXX XXXX location still, which as of today ( XXXX/XXXX/2016 ) is racking up a {$50.00} a day sitting fee, until this gets resolved. I had taken out a consumer loan with usaa to pay for the vehicle PLUS another {$1000.00} for the shipping equaling a total of {$13000.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had a vehicle reposessed and immediately paid the outstanding amount. I was n't even aware that I was behind on my payments since they were set to " auto pay ''. To add to the problem I moved during that time and my mail did not get to me. It continues to be reported as a suit or judgement to all XXXX credit agencies and is demolishing my credit rating, as well as my ability to qualify for various jobs.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-11
Company: Clear Debt Solutions, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I have begun to receive harassing phone calls from Credex Debt Recovery at work and at my cell phone. They are attempting to collect for an online loan with XXXX. I made a payment arrangement with them and they have not responded. The calls need to stop! although they are currently a licensed lender in California, they are not an honest company to deal with. I tried several times to work with them to pay off the loan without ACH from my account. I get an approval, then this.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Ascendium Education Group
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-13
Company: Bread Financial Holdings, Inc.
State: OH
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:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-25
Company: I.C. System, Inc.
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:
XXXX customer service made calls to my phone while I was overseas right after I informed them that my phone was not working. XXXX even informed me that I will not be responsible for any customer service calls that they themselves made to me and when I received the bill, they charged me for calls that their customer service rep made to my phone while I was overseas in the amount of {$260.00}. I have had about XXXX different debt collection companies harass me about this same unjust debt. 
IC System located at XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX, XXXX, is the current harassing me now about the same debt from XXXX after they stole my identity from XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-22
Company: Paypal Holdings, Inc
State: CO
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
Paypal held my funds for over 21 days, which is beyond their contract and beyond the Electronic Fund Transfer Act allotted time frame in which to pay. 

The CFPB.gov is more than aware of the problems with Paypal holding funds to collect interest. Why is the CFPB not doing anything about this? Who may this be escalated to?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-08
Company: Paypal Holdings, Inc
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Paypal has illegally seized my funds, without prior written notice or warning, and has not provided any information as to why or offered any recourse to resolve the situation.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief