BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-01
Company: BYL Collection Services
State: DE
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 went to the XXXX XXXX in XX/XX/2012, and there 's a {$920.00} balance that I needed to pay, but I did n't know I have that payment because I moved to a new apartment. So, I did n't receive the payment from the hospital. During these past XXXX years, nobody contacted me about this, and I did n't receive any payment about this either. I received a phone call from XXXX XXXX on XXXX XXXX, they said XXXX XXXX forwarded this payment to them, so I have to pay it. I paid it immediately after I understood everything, and I paid it through the phone using my credit card. Also, they sent me a document receipt after several days. Recently, I 'm trying to apply a credit card from XXXX, and they reject me because they declare that I have delinquency history, then I checked my credit report. I saw BYL collection services as a negative account on my credit report. I called BYL collect to ask them to remove this negative account because I 've already paid it, and they said they no longer have this payment because they 've transferred this to another collect company, which is XXXX XXXX. They told me that I should call Experian to ask them to dispute my record. However, XXXX agency told me they can not mark this payment as paid because they have to get the prove from BYL Collect. After they get the prove, they will mark it as paid, so XXXX agency suggested me to call BYL to ask them to send a prove to them to prove that I paid. Then, I called BYL collect again, they told me since they no longer have this payment, and I paid to XXXX XXXX, so they can not do anything about this. ThenI called XXXX again to ask them if I can call XXXX XXXX, they said it 's not working because the negative account on my report is BYL collect. I 'm frustrated now because I paid my payment, but the bad record still hurting my credit report. BYL said they could n't help me, but the negative account on my credit report is still BYL collect. I do n't know what should I do now.

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 2016-01-09
Company: SQUARETWO FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was in middle of buying a home and the title company found a judgement against me that was n't on my credit.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Payroll card
Issue: Managing, opening, or closing account

Complaint:
I am unable to access my rushcard.com account via web, app, atm. I have direct deposit and not able to view any balances. They have given bogus postings on their facebook page as this is the only way to get to anyone. Customer service hangs up on you. I am now not able to move and have lost my deposit due to inability to provide the remaining rent due. I want my funds and compensation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: Empowerment Ventures, LLC
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I'am complaining about this rushcard problems I need my money, lost my apartment and card because I ca n't access my account for a whole week I'am XXXX sick of this mess

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-27
Company: Source Receivables Management LLC
State: IA
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 few years ago i switched from XXXX to XXXX I paid the final bill and in fact kept the account open just in case i owed any amount of money I even contacted XXXX and told me that this collection was not true and that i Did Not owe XXXX any money I have told them several times about this I have also called XXXX I would like this company and this debt off of my credit record ASAP

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-21
Company: Jim Bottin Enterprises, Inc
State: IN
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
When I signed up for the membership the manager gave me the option to sign up for 3 month, 6 month, or 12-month membership ( with different price rates ). I opted for a 12 month at {$38.00} a month. Given the time period for each membership option, I assured that the membership will be only active for that amount of time. I was not told that the membership will automatically renew itself every 12 months. They did not even show me the membership agreement and hence never walked me through the agreement. They kept charging me a monthly membership fee of {$38.00} plus {$30.00} every year. I then decided to close my bank account and soon they send me the notice for the unpaid balance. 
I contact the company via email to cancel the membership but they said I have to come to the gym location to cancel. Unfortunately, I am in the XXXX XXXX and can not get out of the house at this moment. The company then sent me a Final notice and threatened to transfer the case to the collection.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-28
Company: CNG FINANCIAL CORPORATION
State: TX
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received an email Check n Go denying a loan application I did not apply for and showing an address I have not lived at in almost 4 years. It contains financial information that has nothing to do with me, i.e. I have not filed bankruptcy and many more things.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Como Law Firm P.A.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
They wrongfully tried serving me fake papers in efforts to get me to pay a debt, which I " owe '' but since the XXXX that wants money did damage to XXXX my teeth and refused to admit his assistant did any damage and refused to lower the bill. In my mind I do not owe that man any money. 
So after that the " debt '' went to a collector, Como Law Firm. XXXX of the most horrible people I have ever talked to. They told me I need to send money to a XXXX XXXX XXXX and got mad when I said I was not sending any sort of money to some random XXXX XXXX XXXX When I asked for an address they claimed they did not give out their personal address for their company. I had lost my job soon after and shortly after that I became pregnant. My XXXX and for a majority part of it I could n't work due to being XXXX. I calmly called this law firm to explain the situation and if they could just wait a few more months till I am back at work. They proceeded to call me an immature child who ca n't pay my bills, then they said if you do n't make a payment within the week we will just sue you. 

They never tried working out an agreement and just went directly to harassing me and saying they were going to sue. 

I had n't received any papers from them in the whole time my debt went to them. When I asked for a confirmation paper that my debt was actually with their company they told me that they do n't give those out either. 

I have never had a problem with the other debt agency I have an amount with. I work with them and we get my debt paid off in a timely manner. 

Como Law Firm should not be in business.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-16
Company: Global Credit & Collection Corporation
State: CA
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:
I made a good faith attempt to pay this debit, but they deliberately black list me, so now I am homeless and have to depend on living with relatives because I can not rent a place of my own. The debit keeps increasing, the ownership has changed hands and I am still a XXXX XXXX XXXX XXXX woman without my own place to live because the information sharing of this company. The XXXX XXXX owners kept my security deposit as well, so this debit is truly not owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: First Data Corporation
State: IA
Product: Credit card
Issue: Other

Complaint:
My wife and I have received credit cards and statements from credit card companies addressed to someone else to our address. We have lived in our new home for 3 years this XXXX. No one else has lived at this address. This is a new address/new home in a new subdivision.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-30
Company: Diversified Consultants, Inc.
State: CA
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:
DIVERSIFIED CONSULTANTS, REGARDS TO XXXX ACCOUNT THEY ARE CALLING MY WORK, MY FATHER 'S CELL PHONE AND MY MOTHER 'S HOUSE PHONE. THEY DISCLOSED ALL THE INFORMATION WITH REGARDS TO THE DEBT WITH MY MOTHER AND FATHER. THEY ARE CALLING MY DAD AT WORK FROM THIS NUMBER XXXX. I ALREADY MADE PAYMENT ARRANGEMENTS WITH REGARDS TO THE DEBT. I DO NOT UNDERSTAND WHY THEY ARE STILL CONTACTING MY PARENTS, WHO HAVE NOTHING TO DO WITH THE DEBT. THEY ARE DISCLOSING SENSITIVE INFORMATION WITH OTHERS. MY FATHER JUST CALLED ME RIGHT NOW SAYING THAT THEY CALLED HIS NUMBER 4 TIMES ALREADY!! WHAT CAN I DO?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: LD Holdings Group, LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We refinanced our home with LoanDepot to make home improvements. After we signed closing documents and the 3 day rescission period expired, they claimed that the boilerplate Compliance Agreement we signed required us to make repairs to the lower deck on our home as a condition for obtaining the funds. We requested that they provide the closing document that imposed the condition and they have failed to do so because we are quite certain that no such document exists. However, LoanDepot is steadfastly refusing to dispense funds claiming that we agreed to conduct the deck repairs as a condition to receiving the loan.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
Two things - XXXX failed to honor a travel voucher due to me for a cancelled flight ( then rescheduled flight ) that carried travel insurance. In the meantime, my credit card company failed to cancel my credit card account after I found fraudulent charges on it. XXXX essentially charge my credit card twice for a flight and failed to honor my travel insurance or travel voucher for the rescheduled flight. In total, I was actually due a refund from XXXX. Now there are charges on a credit card that I thought I had cancelled and the credit card company, after receiving all pertinent documentation to this fact, notified the credit bureaus that I am overdue on my credit card payment - on a card that I do n't have and that I had believed in good faith was closed permanently.

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 2015-08-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On Monday, XXXX XXXX 2015, I noticed unusual activity as to why my balance was at an extreme low. I currently bank with USAA Secure Checking. I notified them the day I noticed the suspicious activity and filed a claim. I followed up to get a status report on Thursday, XXXX XXXX 2015. I was then told the Fraud Agency with USAA declared this was not a case of fraud. There were a total of XXXX different transactions all in the same amount of {$990.00} bringing it to a total of {$6900.00} lost. I was basically told I lost that money and to contact XXXX. USAA did send me paperwork that shows when each transaction was made and for how much. I was able to see exactly who they went to and what account once I was able to log onto to usaa.com to check my account electronically. I have notified the local police department here in XXXX, MA to file a police report. USAA is not handling this situation as they should be. I am requesting full recoupment of all funds.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
XXXX XXXX XXXX XXXX claimed they were a law firm hired by Capitol One to collect on a credit card debt of around {$600.00}. Now saying I owe over {$3000.00}. He said they would contact my car loan people and repossess my car for the debt. 
He knew I had filed bankruptcy, said they talked to the judge and the debt was dismissed but they ( XXXX XXXX XXXX ) were collecting the debt and damages anyway. He said the debt was now {$3000.00} but they would settle for {$600.00}. 
I have not been served with any paperwork for any of this. He said I was trying to avoid them when he called me and knew my address.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I settled an old charged off account that had already been issued a XXXX for, by paying via electronic check {$2700.00} on XXXX/XXXX/16. I was told this account would be settled in full and would be updated with the credit bureau as a {$0.00} balance. It was updated with the credit bureaus as a {$1500.00} balance. This is not what I agreed to, it should reflect a {$0.00} balance as promised. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-18
Company: TD BANK US HOLDING COMPANY
State: NY
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I have sent a few messages via the secure message system on the TD Auto Finance website. I 've been paying more that minimum payment of {$200.00} since the loan commenced on XX/XX/XXXX. The TD Auto Finance website shows since I am ahead that a payment is not due until XX/XX/XXXX. However, it is showing a minimum of {$210.00}. XXXX customer representatives claimed it had to do with simple interest and that since the payments were not received at the same date, there is a fluctuation of how the interest would be applied. This makes no sense since in the absence of late fees or an outstanding balance, the default payment of {$200.00} would be applicable. I feel that because I am ahead of the contract that they are trying to get more money out of me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Other

Complaint:
My name is XXXX XXXX and i am reporting the capital one credit card for reporting both of my credit cardfor late payments caused by them. it was a very nasty brutal battle to fight with them to remove their late fees on my cards and to move late payments information to the credit bureaus. that happened back on XXXX - XXXX XXXX. XXXX capital one 's employees are horribles, i have requested to have both of my credit cards payments dates to be the same dates. back on XXXX 2016 it was supposed to be on the XXXX of each month. the rep i have spoken with promise that it will request it to be on that date. after that when i did not make the payment on the XXXX for XXXX of my credit card the following month they automatically charge me late fees for XXXX then i called to dispute that and another rep. told me he will not remove the late fees because it was not a bank error. that is how all the problems started. it tooked me 3 months to fight that till back on XXXX 2016 i had another rep who decided to fix the problems for both of my credit cards so i can make my payments. i have never been late since i have my cards. capital one representatives are very rude, they even hang up on me several times. I have this rep removed all the late fees for those months after that fights. But they still did not remove the incorrect information reported to the credit bureaus. That started another 6 months of battle with this disgusted credit cards company. One supervisor XXXX hangup on me when i told him a rep name XXXX says she will removed the incorrect information given to the credit report. she put me on hold and come back and says i can not do it. i asked her what you means you can contact the credit bureaus and removed when you say you can do it, She respond to me that she will transfer to XXXX the supervisor who wasted my time for 2 hours and hang up on me. I am reporting the disgusting ways the employees of this company destroyed they customers credit by reporting wrong informations while saying something else to the customers

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: CCS Financial Services, Inc.
State: MD
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX also has an account listed by CCS Collections in the amount of {$81.00}. This account was paid directly to XXXX several months ago. I was never contacted by CCS by any means. The representative that I spoke with said the account would be deleted but she could not send in writing. She referred me to a website to print a paid letter. I have proof that I paid XXXX directly.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
After dealing with USAA and being told that they would not update my credit because a payment had not been made I got the answer I was looking for. USAA acknowledged they were wrong and sent a letter to the credit reporting agencies on XX/XX/XXXX that they need to correct what was reported. USAA claims they removed the late fees attached onto the account. I asked that they credit the payment that should have been made in XX/XX/XXXX of {$80.00} and for the XX/XX/XXXX payment of XXXX. They are refusing to give credit of the {$80.00} or {$44.00} as they are claiming they did not get a payment from me, even though I authorized both payments to come out and their representative did not set up the payments. They acknowledged to me in a letter XX/XX/XXXX that I did have a payment set up to come out XXXX which led me to believe I in fact had the first payment go through. No one at USAA can tell me why I was never called after my first payment did n't go through as the account was behind before the payment was set up with XXXX from their member debt solutions team. I then received a letter on XX/XX/XXXX stating that I was behind and needed to make a payment. When asked why I was never notified they could not respond. When asked why they could n't credit the account they said because they never got the payment ... even though there is a letter stating otherwise and that payments were set up. I told usaa and offered to pay the balance in full if they credited the XXXX and the XXXX to my account and that that remaining balance could be and would be paid off in full. This company is turning away my money and still holding my credit hostage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: Biehl & Biehl, Inc
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
XXXX and XXXX, a collection agency for XXXX, a XXXX XXXX NY newspaper called regarding a {$20.00} overdue bill I have. The caller, XXXX XXXX ( extension XXXX at XXXX ) was extremely hostile, abusive and rude. I told him my mother just passed away a few weeks ago, and he got even nastier. There is absolutely no reason at all for this company to behave like this. I do not have a credit card, so I am having my friend take care of this issue

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today, at XXXX, a women who after I asked several times said her name was XXXX XXXX XXXX called me and acted like I was aware of the debt she was speaking of. I told her someone else called this past XXXX and he without making an attempt to make clear what he was talking about, was asking me for permission to record the call. I declined and asked what he was talking about. He finally stated it 's a Capital One credit card debt from 15 years ago. He started making some snide comments and I told him that I 'm not sure about this debt, but if it 's been 15 years you will have to forget about it. I told him not to call ever again and had to hang-up because he kept speaking. I 've had plenty of calls since then but did not answer because of the XXXX area code. But today this XXXX got me and wanted to get me to pay despite my repeated attempts to ascertain the nature of the call. She said it 's a Capital One credit card debt from 15 years ago that was {$200.00} that they usuriously grew to over {$5000.00}. I talked over her telling her to not call again and I could n't make out what she was threatening to do. I 'm sure over a decade ago I sent them a written desist demand. They keep pulling my credit report and harassing me. I want them to stop contacting me and stop pulling my credit report, They are a less than reputable company and have grown because there are a lot of foolish people that do business with them, or have they changed? I doubt it. They even state on an old collection notice that they ca n't sue or report payment or non-payment to a credit bureau.

Company response to consumer: Closed with explanation