BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My mother had a Capital One card, few hundred dollar balance. She became ill, XXXX XXXX, did n't think straight. Did n't pay the bill. I was on the card, too. They refused payments, sued her, and set up a payment plan. They knew she was dying. The last payment - through a court! - they claim was n't made despite it being thru the court and the court having a record of it. Thus, I now owe them a fortune like {$7000.00}. Basically, they just refused to cash the last check, did n't ask the court to send another XXXX, so they could go after me a few years later. 

Now I am sick and uninsured. I will be garnished if I could work. I do n't know what to do. 

Also, they served us the papers at a fake address. Despite knowing our addresses just fine ( listed phone numbers! ) when ti came time to collect.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing disputes

Complaint:
My case XXXX which is about predatory tending practices on the part of the GM Card continues to be unbelievably unfair. After submitting complaints here, the company has ... for two months ... .toyed with me, giving me over to different managers or case workers, not called me back after I 've left multiple messages with the person they claimed I was supposed to call, mislead me about my options, down right lied to me about solutions, and then, ultimately told me that they refused to help me since I had not been able to afford to pay off my entire balance. 
What is so wrong now is that they are literally playing games with me ... they left me a message over a week ago and I 've called that specific person back many times and she wo n't call me back ... I even had a manager reach out to her to ask her to call me back and she wo n't. This credit card company is behaving so badly. Please follow up with this and publish the details of my story. Everything they have done should be public.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Companies that will not make it easier to contact them will always be met with such a complaint!!! CapitalOne held my credit limit at $ XXXX for probably a decade but then all of the sudden decided to raise and raise and raise it ... We all know having limits too high ridiculously hurts one 's credit even if they do n't use that credit. This is a business account so I asked our account manager to get it lowered but she ca n't for policy reasons and I would have to call, jump through phone queue hoops, probably have to go through someone telling me why it 's a bad idea ... It drives me insane that companies do n't realize that people 's time is valuable and this is something that could and should have easily been resolved by sending them a quick note/email online and being done with it ...

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-05-24
Company: EQUIFAX, INC.
State: MS
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:
BEEN CONTACTING THEM FOR ALMOST A YEAR ABOUT REMOVING THIS FRAUDULENT INFO FROM MY FILE AND NO ONE IS HELPING ME. I FILED A REPORT WITH FTC.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-31
Company: Peoples Financial Corp.
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am.behind XXXX payments currently on XXXX Acura TL, today.. I received a text but no call from a non.business number for Peoples Financial stating I had XXXX minutes to call them.or they are sending a repo.truck for the car. Needless, peoples bank.is n't even open at XXXX. I have no idea who this is, but they say they represent them. Tried calling the number, no answer and voicemail full, call branch offices ... No one is open of course. This can be resolved without this intimidation to already stressful debt. I'm.sole income for my family. No assets, no savings. Life is expensive XXXX with a little XXXX. Planned to pay Monday after resolving a hacked checking account issue which I have documents of.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-17
Company: ONEMAIN FINANCIAL HOLDINGS, LLC.
State: FL
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Problems when you are unable to pay

Complaint:
One Main have sold this account to XXXX XXXX were my husband is making {$50.00} payments every week. I need to get One Main off our report report as a charge off. Now that the other creditor have the account and receiving payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
false statement and representation XXXX XXXX SENT A GENERIC LETTER, XXXX XXXX MAY NOT BE A HUMAN, NOT A LIVING PERSON, MAY NOT EXIST. HIS SIGNATURE WAS ROBO SIGN AND PLACED ON THE LETTER ANOTHER EVIDENCE OF FRAUD ON CAPITAL ONE, Na no evidence of XXXX '' '' deceptive debt collection lawsuits based on flimsy or nonexistent evidence. by capiatl one, NA illegal practices that can deceive or intimidate consumers, such as filing lawsuits without determining if debts in question are valid. " '' see cfpb as CFPB Takes Action to Halt Illegal Debt Collection Practices By Lawsuit Mill and Debt Buyer,,, " were not verified and might not exist, '' did not respond to QWR and assignment fraud violated the Fair Debt Collection Practices Act and the Dodd-Frank Wall Street Reform and Consumer Protection Act, which prohibits unfair and deceptive acts or practices in the consumer financial marketplace. 
Lawsuits against consumers without sufficient basis. 
Filed lawsuits based on unreliable or false information. 
challenged the validity or accuracy of the ASSIGNMENTS FRAUD. capital ONE, NA did not obtain or review qwr,, the fraud assignments information. FRAUD FALSE FACT IN court filings. AFFIDAVIT

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-11
Company: CULLEN/FROST BANKERS, INC.
State: TX
Product: Money transfers
Sub-product: International money transfer
Issue: Fraud or scam

Complaint:
I found in my email a message from website : XXXX paid a mere {$4.00}, {$2.00} in International card handling fee, and another $ XXXX for a product I have never received. I attempted to contact the company and reached a call center. The agent did not apologize for telling me the he was sorry I have not received my prodcuts, but " ... you will have to contact the USPS becasue that is just shipping money ... '' Yet, he REFUSED to provide me with any tracking information and refused to refund the money, which is not much. But I believe these are shady business practices. I have emails but can not get them attached ... The sum of {$7.00} is broken into the following in my FROST BANK account - {$4.00}. XXXX, {$1.00} XXXX card Fee XXXX/XXXX/15, {$1.00} XXXX XXXX XXXX several days later, {$.00} XXXX/XXXX/15

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
I have requested VALIDATION of the debt bearing my signature form Capital One on XXXX/XXXX/16, XXXX/XXXX/16, XXXX/XXXX/16 and XXXX/XXXX/16 on account # XXXX, # XXXX, # XXXX on the accounts they are reporting to the XXXX major credit reporting agencies and have not received it. They have repeated responded stating that their records showed that an application was received by phone/internet and the account was opened. Since there are damaging reporting problems exist with respect to what they are reporting I request such validation. Also to certify that the debt was incurred legally during the period it may be payable this is not a request for an overview of lacking depth in lieu of that this is a requisition for a substantive audit.. They have also violated the law by not adding the dispute remarks to my credit file in a timely manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was already being sent a new credit card from Capital One as they had received information that clients may be comprised when shopping at a particular merchant. However, I got my new card, activated it, had it active for about a week, when suddenly i 'm charged {$190.00} from XXXX XXXX XXXX for the old number! Not only was that number supposed to be deactivated, someone was still able to use it to make a new purchase. Capital One claims it is because they will allow subscriptions that used the old card number, to pass through to the new card number ; in other words they are still connected, despite being given the impression that they were not. I told them I have never shopped with XXXX XXXX XXXX and therefore this being a new purchase, regardless if it was a subscription, should have been denied as it was completely new, and therefore a new subscription that should never be allowed to be used on a deactivated card. I had already cut my card up too. The more I spoke with them the less confident I felt in their abilities to protect me from fraud, as because it was a subscription they would just let it be processed without calling me first despite it being an old number that was supposed to have been deactivated. I was told I can call XXXX XXXX XXXX with them to get them to cancel the subscription, but apart from that all they can do is block. But I do n't feel they will really block them. I am upset that they do not understand that if I have NEVER used someone, regardless of subscription, then why would you allow a NEW subscription to be used on a " supposedly '' deactivated card?? I will be speaking with them more but am heavily considering canceling them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-19
Company: National Credit Systems,Inc.
State: TX
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 a victim of identity theft and when I saw a collection from National Credit Systems it freaked me out. I went to the FTC & Identitytheft.gov website and filed a case. They instructed me to fill out and notarize a ID Theft Affidavit. I sent this to National Credit Systems on XXXX/XXXX/16. It 's been over 30 days and no response. What do I do? This is affecting my health and is XXXX. XXXX. Not trying to give a sad story it 's just, .. how do I fix this when I follow what the sites said. Please help thank you. XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CASHCALL, INC.
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
CashCall Loan This loan was taken in XXXX of 2013 for XXXX out of which XXXX was deposited to my bank account. This loan originated with XXXX XXXX which then immediately sold it to XXXX, and then it was sold to CashCall. To date, I have paid XXXX and have sent a complaint to XXXX as well. I have never missed a payment but can no longer afford their interest and I feel I have paid well over what I should have. I am asking that my account be closed and the account marked settled and paid in full.. They hide behind " Tribal Laws '' but infact are not tribal and they bandy the loan with several different companies. My agreement was with XXXX XXXX which was immediately sold to XXXX, then CashCall

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-16
Company: National Credit Systems,Inc.
State: GA
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 rented a apartment from XXXX which required the tenants to use their power & water XXXX XXXX. The original lease agreement states that all bills to XXXX must be satisfied in order to close out the lease for the apartment. I closed out all my bills and did a final walk thru with no worries. Several months later I received a call from National Credit Systems INC saying I owed XXXX XXXX. This is a total scam. My balances have been closed out but these crooks keep trying to say I owe money. I have been dealing with this for years. these people are crooks and are tied into the scam with the apartment complex which does n't even exist 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 2016-07-18
Company: TRANSWORLD SYSTEMS INC
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have collection acct original XXXX XXXX XXXX XXXX, I settled on the acct with Transworld Systems on XXXX XXXX, 2016, Rep is XXXX XXXX, she was hesitant in accepting the settlement spoke to her supervisor then agreed to settle for {$840.00}, Monies cleared my checking acct. Come to find out later my account was transferred to XXXX XXXX XXXX XXXX XXXX, XXXX would not send me proof of letter said I had to wait, I cld Attorney office they said XXXX should not have accepted my pmt. So now Transworld sends me letter says I still owe monies & that I need to contact Law Offices of XXXX XXXX XXXX I need help please.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I got a call from XXXX at Transworld Services at XXXX. Said my daughter owed money for a XXXX for contractor work. Checked and the XXXX is several states away and has no file on my daughter. Furthermore, my daughter is XXXX years old and mute and therefore can not order anything. Told this to " XXXX '' and she was adamant about getting my information to pay this imaginary dept. I asked if I could contact her and she gave me a different number : XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: MOHELA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
MOHELA continues to cancel my autopay ( 3 times now ), which increases my interest rate 0.25 %. They claim that my bank issues a stop notice after the autopay has been drafted. My bank has no record of these " notices '' claimed by MOHELA, and MOHELA has refused to provide proof of the claimed notices. Again I continue to pay from the same account on single payments with no issue after my autopay is cancelled, and the next month my autopay works after I re-signup for autopay which is then cancelled after payment.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
Company: ENCORE CAPITAL GROUP INC.
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Midland Credit Management/Midland Credit Management over the last couple of months i have requested validation a couple of times for a debt that is listed on my credit report by this company. I have asked for evidence that bears my signature that shows a contractual obligation to pay Midland Credit Management or Midland Funding ( It uses more than one name ) depending on which credit bureau that you check with. I sent a certified letter to the one address listed on the credit report only to get it back with a forwarding address. This company has different names and address listed which is inaccurate reporting.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: AMERICAN EXPRESS COMPANY
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On a XXXX XXXX, XXXX XXXX, 2015, I was away XXXX miles away from home. I need to get cash to put gas in my car, but unfortunately my debit card did not work and I tried to use my American Express Optima Card. The card did n't work at the gas station because it has low balance and usually gas stations block {$150.00} in order to use the card. I called American Express and requested to get cash back and a pin ( received the pin ) or extra emergency cash so that I an get home safely and put gas in my car. The American express representative told me that if I tell her the exact address where I was, she will provide emergency cash. I left the car and went to the nearest cafe to ask for exact address and zip code. When I called American Experss back, they refused to provide assistance with even {$20.00} cash. So I had to use strangers ' help in order to get home safely on XXXX XXXX. I am very upset and disappointed in lies of American Express representatives who put me through enormous stress and emotional distress and danger on the road. Yesterday, XXXX XXXX, an American Express rep called me and assured me that he was going to call me today with a possible resolution and he did n't call back. What American Express did was a violation of the Fair Credit Reporting Act - deceiving customers. I had to write a {$200.00} check to strangers to help me to get home, while American Express deceived me and did n't provide promised assistance and this assistance is in the credit card agreement.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-05
Company: CASHCALL, INC.
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I would like to report a lender ; CASHCALL INC. I took this loan in XX/XX/XXXX and they approved me for {$5000.00} when I originally only asked for {$2500.00}. They told me I could refund the rest of the money once I was approved. Then they made it extremely difficult for me to simply return the rest of the money ( I spoke with multiple representatives telling me different specifications ) that I ended up keeping it. Since then, I continued paying but I never saw the balance going down until I lost my job in XX/XX/XXXX and they are not willing to work with me in lowering the payment. They keep harassing me with the phone calls and offered to settle the debt for very high amount. I never noticed the interest rate was high or the terms of the contract. According to a recent letter, they send me, I still have XXXX payments left to meet the terms of their contract in the amount of {$370.00} each, which totals {$33000.00}. Finally, they charged off this account in XX/XX/XXXX and this is damaging my credit. They are now demanding to settle this account for a steep lump sum of money, which I do n't have.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: TRANSWORLD SYSTEMS INC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Transworld Systems , Inc. XXXX XXXX XXXX, XXXX, PA XXXX has XXXX mailed me collection notices for a bill I paid directly to XXXX XXXX XXXX. I paid {$610.00} on XXXX/XX/XX/2013/15 check # XXXX. It cleared my bank. I have copy of cleared check. I responded to the first notice with a written note back stating that the debt was paid to XXXX XXXX XXXX. I enclosed front and back copy from my bank of cancelled check. The XXXX notice was received yesterday in my mailbox XXXX/XXXX/15. Today I mailed back another response and same photocopy of cancelled check. This is harassment. They could / should have contacted the original debtor.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-01
Company: TRANSWORLD SYSTEMS INC
State: LA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
On XXXX XXXX, 2016 I received a call from a XXXX XXXX, with Transworld Systems @ XXXX stating that my student loan from XXXX XXXX XXXX, XXXX is now in Default and that Transword System have my student loan. XXXX XXXX went on to say that I owe {$15.00}, XXXX on my loan and that XXXX XXXX, XXXX XXXX is offering me a settlement to pay only {$11000.00}. XXXX XXXX went on to break it down that if I ca n't pay {$11000.00} I could pay {$2500.00} down and pay the remaining balance each month until paid in full. I tried on several attempts to get XXXX XXXX XXXX 's contact number so that I can confirm XXXX XXXX 's conversation. As of XXXX XXXX, 2016 I have yet to receive that information. In fact, I spoke with XXXX XXXX 's supervisor on XXXX XXXX, 2016 and ask for XXXX 's contact number he gave me an account number that included my social. On XXXX XXXX, 2016 I contacted XXXX to see what was going on with my account, XXXX informed me that my account had a $ XXXX balance and that they do not have any other information on my account. I asked if XXXX had a contact number on XXXX they provided me with Transworld System 's contact which is XXXX. I have research and XXXX and found nothing. At this point, I 'm not sure who is XXXX and why is Transword Systems trying to collect {$11000.00} from me. Transworld System XXXX provide me with a " Note Disclosure Statement '' which included my husband and I signature. They have not provided us with any proof of ownership of my Student Loan account. I never received anything from XXXX stating ownership of my student loan. Also, XXXX has not provided me anything in writing stating that they transfer the account to Transworld Systems. I truly believe that me and my husband are a victim of fraud and identity theft. My husband and I have never dealt with XXXX in the past or Transworld Systems. In addition, we have no knowledge of these companies and if they are legitimate. My original student loan was with Bank XXXX and payments were submitted XXXX XXXX XXXX. I 'm requesting a full investigation on this matter as I strongly feel that my rights as a consumer has been violated with these people. This has caused a great stress in my life. Thank you

Company response to consumer: Closed with explanation