BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I have been banking with Capital one bank for about 5 months now and back On XXXX XXXX between the hours of XXXX XXXX and XXXX XXXX I went to a capital one bank in XXXX TX to deposit {$260.00} in the atm so i could go school shopping for my daughter and not have to pull out cash and just be able to swipe my card. Ive had bank accounts since I was XXXX years old and never had atm issues so as i normally do I stacked up all my bills followed instructions on screen and gave the atm {$260.00} then the atm said their was an error reading my money and then cancelled the transaction and my money was never deposited and never returned to me. I immediately went in the bank and they said there was nothing they could do because they have nothing to do with the atm outside and gave me an XXXX number to the atm department and claims department. I called them but since it was a saturday they said all they could do was send out a request to look into the issue and contact me in 7 business days. So that Monday morning on XX/XX/XXXX i called the bank is XXXX and asked for a manager, i explained the issue and she transferred me to claims. The claims department issued a credit of {$260.00} and I thought my issue was taken care of, I was relieved and forgot about the issue until a month later in XX/XX/XXXX I received a letter stating there was no error in the ATM and i am required to pay back {$260.00} or my account will be negative and will affect my good banking credit. The claims department said they would have to call me back again after i said I do n't feel I should have to pay this so after ending that call I called the bank where this event took place and asked if they could review security camera form that date i need someone from this company to be on my side and can help me prove that this atm took my money so the man at the bank location looked at my account and said the issue was that they gave me a credit of {$260.00} twice and thats why i got the letter even though according to my transaction history it only shows XXXX credit and according to the letter they sent me it does n't say I was issued XXXX credits by mistake it says I need to pay back the {$260.00} because the there was no error on my account or atm. I am getting XXXX different stories and based on what I know happened and on the documents I have the atm took my money, they issued me back my money and now they are saying im lying and i need to pay it back. But the bank and the claims department are giving me XXXX different stories. Its just not fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-21
Company: CREDIT ACCEPTANCE CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Company response to previous CFPB complaint, raised additional issue. 
Although my prior CFPB complaint with the company was responded to swiftly, the comlaint was closed without addressing the issues. 
The company miscategorized the previous complaint as being focused on whether or not I liked the vehicle and was able to voluntarily enter into the agreement when buying it. 

This raises additional issues, and as CFPB closed the prior complaint, it appears I must enter a new complaint to address these XXXX issues. 

Although I very much like the car, now that the Company 's prior response has raised the issue of whether or not I voluntarily entered the sales agreement : Oklahoma law seems to limit " who may contract '' in title XXXX, of oklahoma state law codified. 
As the company has chosen to make this the issue, I am deeply concerned that as a consumer who has made all payments in a timely manner, that I will be unable to keep the product purchased ( a 2013 XXXX ) simply because of having been adjudicated as insane. 
Since the Americans with XXXX act includes persons regarded as having a XXXX as protected by its provisions, I feel as though the company may be handling my complaint in an unlawful manner. 
Would a consumer not regarded as being XXXX have their complaints addressed properly instead of having the complaint issue in focus being shifted to their ability to enter into a contract or perform other daily life activities.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-04
Company: CREDIT ACCEPTANCE CORPORATION
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
In XXXX XXXX I went to XXXX XXXX and began a purchase of a XXXX XXXX XXXX. I called Credit Acceptance XXXX Company concerned about the loan and asked if certain things were legal. I even questioned the blue policy of financing a vehicle over the blue book value. The gentleman on the phone said that vehicle was worth the amount that was financed. I financed XXXX for a vehicle that was only worth at best XXXX or XXXX XXXX dollars. After I signed, the contract I found out that the vehicle blue book was below further below for my specific vehicle and that there was a vehicle recall. hazard of rear ended and other issues. The vehicle also was a lemon. I had to have the transmission replaced twice and engine work. The axle broke in the front. Credit Acceptance repossessed my vehicle several times. each time adding excessive fee to recover the vehicle in addition to the cost of the impound and storage fees. I called and tried to alter arrangement by a couple days because of error with my payroll. I would have the money a couple days later. They just came and picked the vehicle up after I had just payed to get it back just a few weeks earlier.I explained to them the vehicle had broken down again and I had to pay for repairs. They received almost XXXX XXXX extra dollars in repossession fees alone in addition to the fact that the vehicle loan amount was too high.

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 2015-04-02
Company: ZWICKER & ASSOCIATES
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
I received a call from Zwicker and Associates claiming I owed a debt to XXXX XXXX XXXX voicemail ). I called XXXX XXXX to see if there was some old debt of which I was n't aware. They told me all my accounts were in good standing and that there was no debt. I researched the phone number on the internet and discovered this company harrasses consumers and tries to convince consumers that they have a debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: CCS Financial Services, 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 is not mine

Complaint:
I received an alert on my XXXX Credit report only to find out this this company Credit Control Services is on my credit report for XXXX which is a company that i have never done business with. I have not received any letters pertaining to this debt and they did not validate this debt. It states on my credit report that the debt was opened XXXX which is false because I have been with the same insurance company for auto for over 10 years. This was put on my credit report illegally and without contacting me. if they do not take this off of my credit report I will be forced to take legal action.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: Allied Collection Services, Inc. (Nevada)
State: CA
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
ALLIED Collection Services ( Nevada ) attempted to collect {$610.00} for XXXX ( XXXX ) on a {$9.00} co-pay. 

The principal amount of {$420.00} went to collections after an insurance billing error. My insurance company paid the bill and XXXX zeroed out my balance. ALLIED claimed that I still owed {$190.00} in principal. After speaking with XXXX repeatedly and forwarding documentation, I was still told I owed XXXX {$190.00} - it turned out these were really ALLIED 's fees and interest. 

I still owed a {$9.00} co-pay, but ALLIED charged me {$13.00} to cover their interest and fees. 

ALLIED then asked me to pay a bill from XX/XX/XXXX, also for XXXX in the amount of {$56.00} - {$42.00} in principal and {$14.00} in interest and fees. I requested an original statement, since I was not familiar with this debt. 

I later received a phone call from XXXX # XXXX informing me that they reported this debt to the credit bureaus on XX/XX/XXXX, but I could receive a letter to remove both credit report items if I paid immediately. At the time of the call ( XX/XX/XXXX, XXXX PST ), this debt was 7 years, 3 months and 28 days old - past the statue of limitations for credit reporting. 

I asked to speak to the supervisor " XXXX '', but she was again in a meeting and unable to speak, so I outlined my complaint to XXXX. He was going to transfer me to XXXX 's voicemail, but it was a line that just rang and never picked up. I called XXXX back on his direct line and he immediately transferred me again, so I hung up and called XXXX again on his direct line and he did n't answer.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-22
Company: Continental Finance Company, LLC
State: NY
Product: Credit card
Issue: Other

Complaint:
I had a XXXX credit card with continental finance I never missed a payment then all of the sudden the company said my online account as no longer valid because they changed to a XXXX company. I never received my new card and I continued to call the old company and I got no help. I made a payment on my old account for the balance but the representative afterwards could n't find it when I got a call from a credit agency after my card had gone into collections. I never received my new card and I keep getting calls from creditors about this account that has no way of paying it. I feel like I had been scammed

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: Experian Information Solutions Inc.
State: NC
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
There were several inaccurate personal information in my credit report. I am having difficulties in getting them removed. It might be caused by fraud or error on credit reporting.

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 non-monetary relief
Consumer complaint received 2022-05-18
Company: Foris DAX, Inc.
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
Commencing on or around XX/XX/2021, I fell victim to a multi-layered scam operation orchestrated by XXXX XXXX XXXX XXXX  XXXX ( the Fraudsters or the Company ), with the design, development, manufacturing, promoting, marketing, distributing, labelling, and/or sale of illegal and outright fraudulent investment services, all of which aim at contributing to the goal of robbing and defrauding clients through a predetermined cycle of client losses to gains in the equivalent of XXXX XXXX which were transferred from my wallet utilizing Crypto.com

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: Continental Finance Company, LLC
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a credit card issued to me by Continental Finance, I 've had it for about a year. I fell behind on payments after being laid off. I was finally able to make a payment of XXXX in XXXX of this year. A month later I started receiving phone calls from a debt collection agency informing me that they were contacting me on Continental 's behalf to collect payment on the account. I informed them that I had just recently made the XXXX payment but they advised me that they had no record of that and had just received my file a couple of days before they called me. I called Continental and advised them of the situation, that was when they told me that my account had been charged off and sent to a collection agency days before I made my payment of XXXX. I am reporting them because not once did they inform me that my card had been charged off and was closed. Infact I called a day before I received the call from the collection agency to report that I needed to get a new copy of my card. My online account information shows my payment and my balance and how much credit I have available to me. No where on the page does it show that the account was closed and my card no longer valid. I am in the process now of trying to get proof of payment and that has been a hassle because I 've had XXXX different people give me different steps on how to obtain that information. In the end I am left to fax a letter to a number with no person listed and I am hoping that someone will get it and send me back proof. I have not received anything as of yet.

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 2015-03-28
Company: Continental Finance Company, LLC
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I requested a balance transfer from my XXXX account to my XXXX account. After some time I was concerned because I never saw the payment to XXXX XXXX posted even though the money was deducted ftom my XXXX account. At XXXX on XXXX XXXX, 2015 I called and spoke to a representative and I shared my concern that my balance transfer was not showing up. He informed me that XXXX XXXX Bank did not accept balance transfers. I was floored because there is nothing in the cardholder agrement that states this fact. I relayed this information to XXXX and they told me that if the payment was returned to them, they will credit my account. 
I could not believe it when on the XXXX of XXXX I logged in to my XXXX card account and I saw that they had attempted to process the balance transfer. I called them to see what was going on and I was informed that my account was suspended. Now this is amazing to me because I have never missed a payment. The balance transfer was meant as an extra payment on my account. On XXXX XXXX I spoke with XXXX and he informed me that they would pull the phone call to verify what I was told by the representative on XXXX XXXX regarding balance transfers. He said that if I had been advised with incorrect information, they would resolve the issue and I could resume making my payments online. I was waiting to hear about the outcome of the investigation, but I received a letter in the mail today ( XX/XX/2015 ) stating that I need to destroy my card and that I had violated my card holder agreement. 
This is unacceptable behavior from this company. They have incompetent Customer Service Reps and they punish the customer for it. I do n't want any damage to my credit from this company. I have documentation from XXXX saying the balance transfer was returned from XXXX XXXX Bank. ( XXXX Card ).

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-09
Company: Real Time Group, Inc.
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Realtime Resolutions is reporting a Duplicate Loan From XXXX XXXX XXXX. I have contacted and filed a complaint against XXXX XXXX XXXX for the same loan. My records indicate that my last payment was over 7 years however they are still reporting this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: FIRSTBANK PUERTO RICO
State: FL
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
This new complaint is related with complains XXXX from XX/XX/XXXX,  XXXX from XX/XX/XXXX and XXXX from XX/XX/XXXX. All of these belong to First Bank of Puerto Rico. 
As you review all of these complaints you can see First Bank of Puerto Rico didnt comply with the law because they only fixed this problem only with XXXX  y XXXX. They have been very negligent because in more than a year they haven't fixed the ERROR, I just find out they never fixed the same error with XXXX 
Late XX/XX/XXXX I disputed this old ERROR through XXXX  Web Site and the First Bank of Puerto Rico supposed review this error and they still insist that I owe some money which is ridiculously because they accepted / fixed the error with the 2 Bureau of Credit and left one unresolved. First Bank of Puerto Rico just updated on XX/XX/XXXX, XXXX this error without fixed. 
This problem is causing me that my Credit Score dropped almost 30 points. Please CFPB help this bank to be more responsible to comply with the law! 
Thank you very much!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-18
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I sent my letter off on XX/XX/XXXX. I told the credit bureaus to " investigate every piece of information '' on the accounts I have listed below. Also, I have attached the letter I sent out and here is the Tracking #. 

According to the FRCA The term " investigative consumer report means a consumer report or portion thereof in which information on a consumer 's character, general reputation, personal characteristics, or mode of living is obtained through personal interviews with neighbors, friends, or associates of the consumer reported on or with others with whom he is acquainted or who may have knowledge concerning any such items of information. 

They stated my account was verified but how is that possible if they did not do a proper investigation according to the law. Also, every piece of information on these accounts are still not reporting 100 % Accurate. And according to the FRCA 15 USC 1681 everything has to be 100 % Accurate. I have the credit report showing my inaccuracies. 

List the accounts XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX  Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX Equifax XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX  XXXX XXXX Account XXXX XXXX XXXX, XXXX Account XXXX XXXX Account XXXX u.s. department of education Account XXXX u.s. department of education Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX Account XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  Account XXXX XXXX XXXX XXXX date XX/XX/XXXX DEPT OF ED Inquiry date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXXXXXX XXXX Inquiry date XX/XX/XXXX XXXX XXXX date XX/XX/XXXX XXXX Inquiry date XX/XX/XXXX 2020

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Square Inc
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
So on XX/XX/2020 at XXXX I was approached via offer up customer that wanted to buy my tablet I was selling and he told he he would give me more then I asked for so I asked for XXXX and he was gon na give me XXXX and well he told me he would pay it thru XXXX so I was like okay thats fine and I then I received a message from XXXX saying that I needed to send the tracking number so I did and then he asked me to give him XXXX dollars because the shipping that I payed was less then he expected so I did that and well it seems odd to me cause I would only receive emails from the suppose XXXX but on my XXXX app it would notify that that theres a pending transaction so it seemed sketchy to me But I trusted the guy and wel then the email texted me saying in order to credit my XXXX account they I need to send the buyer XXXX to make my account a business account In order for them to procces the money the buyer owed me so I did that trusting in the situation but then they hit me with the next day that I needed to send the buyer thru Cashapp an extra XXXX cause supposley the buyer send XXXX extra but I didnt belive it it seems so much like a scam and he even was being aggressive for me to send the XXXX right away and When I told him that This felt like a scam he hit me with I dont want u playing games or else imma send ur information to the fbi wen all I have been was being compliant with everything and he threaten me as well multiple times and I have text messages to prove it and the fund that I send where thru ( Cashapp ) I really want to recover my XXXX dollars please help me get out of this scam I also went ahead contact ups and they are in the procces of returning my XXXX  that I had delivered and they problem is he took from me XXXX and I requested a refund thru cash app and the guy that scammed me declined my refund and also I replied to the suppose XXXX email that it was a scam and they didnt respond back so it seemed even more weird that they could have been like its not but they didnt deny it and in the picture imma show u it shows there just a heads up on the messages of the screen shot I send you guys Im the color green bubble hes the black bubble

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I was issued a XXXX credit card that was serviced by CapitalOne. On XXXX XXXX, 2016, I received an email stating that my autopay, monthly payment drafted directly out of my checking account, was canceled and that I would need to make payment using other methods henceforth. I was out of the country and could not respond. I have been informed that CapitalOne sold my account to another creditor because I had filed for bankruptcy. I was not delinquent on any payments. The checking account that I used for my autopay had enough to cover the XXXX payment. Also, I never received a demand letter for the alleged outstanding balance. I could have paid it and wanted to pay the balance that I owed them. I did not include that in my bankruptcy filing. I stipulate that CapitalOne has the right to rescind credit extended to a customer. However, it does not have the right to refuse payment and then take action to collect the alleged balance owed. Also, bankruptcy law places an 30 day stay on any collection activity. The bankruptcy was filed on XXXX XXXX, 2016.

Company response to consumer: Closed with explanation