BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-10
Company: Velocity Portfolio Group
State: VA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I received a letter dated XX/XX/XXXX from XXXX in XXXX, MD who is attempting to collect a debt that I was already sued for by Velocity Investments , LLC in XXXX, NJ and the case judgement was Non-suit back on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-11
Company: Platinum Holdings Group, LLC
State: VA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XX/XX/XXXX, I received a phone call from XXXX XXXX from Worldwide Recoveries, asking for my address and threatened to take me to civil court for a debt I owed in XX/XX/XXXX.A also threatened to serve me with court papers at my job. I asked him to call me later because i was at work. he continue to be persistent on setting up a payment without the ability to provide me with details of this debt in writing. He could not mail me details pertaining to this " debt '' i owed and seemed to be in a rush to receive an agreement to settle. I told him I need to review with my lawyer and call him back. He demanded that I need to respond within a few days or I will be sued in civil court.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
Someone is using my name and tried to open up an account with your company.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-09
Company: CITIBANK, N.A.
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Macys account is due on the first of every month. Since I have had the card I have paid on the XXXX PRIOR to the due date. And have paid over the amount due. In XXXX my XXXX XXXX auto pay did not come out of my account and rather than calling me - on the XXXX of XXXX just 5 days late they cut my credit off and shut me out of my account so I can not even see my credit profile - I have made the payment and they still are locking me out - please look into this - you will see that is what happened and they are stating in a letter it is becasue my XXXX report shows a seriuos derogorty item which it does not and I have submitted a complaint with them as well. Macys has been the worst credit experience of my LIFE and I did read the reviews but thought it would be different for me I guess? 
thank you for your help.

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 monetary relief
Consumer complaint received 2017-03-17
Company: M&T BANK CORPORATION
State: GA
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
After reviewing a copy of my annual credit report, I have noticed that I have XXXX closed mortgage accounts placed in my file which is causing my credit to be less than mediocre. Because I was not equipped with my rights as a credit consumer at that time, I had no idea that there was anything I could do to fight this. 

Neither of these debts have been verified or validated for me and if this is correct, I have absolutely no knowledge of the amount owed, if I wanted to remedy the problem. 

It is known that both M & T Bank and XXXX have predatory lending tactics aimed at minorities, therefore, I hope hope that they ae not attempting to take advantage of me as a single XXXX mother of XXXX children ( ages XXXX and under ).

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 2015-09-21
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
I was working on my son and his friends bike and I was approached in my garage by an aggressive man who was very rude in front of the kids. I had no idea what this was about, until he forced me to look at a paper. I asked him to leave and he was very rude and hostile. Apparently it was from a furniture store that my ex has all of the furniture from. I was XXXX on and was left with nothing but apparently the bills without being told.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
On XX/XX/XXXX, I received an invoice from Macy 's American express for the amount of {$19.00}. I did not recognize the charge so, I contacted Macy 's & told the credit department of Macy 's that this amount is a fraud. I asked them to close the account ask for the credit the {$19.00} back to my account. They told me the fraud department will pursue the mater and once they finalized they would clear the mater. on XX/XX/XXXX I received another invoice showing not only the {$19.00} plus {$2.00} interest & {$37.00} late fee. I then called them again, this time they told my the fraud claim has to be in their from & in writing. about a week later they sent me a form which I immediately filled & sent to them for process. XX/XX/XXXX, I have received another invoice, this time {$19.00} plus a {$100.00} late fee & interest, a total of {$110.00}. again I called them & explained the whole story, this time they told me this mater is in process & would take about 30 days. I asked why while in process I 'm being charged with late payment & also told that this would effect my credit rating which up this date over XXXX score & spotless. They did not give me an adequate answer. well yesterday I had a phone call from a collection agency expecting a payment of {$150.00} as of now. I called them few minutes ago & told them that I 'm filing a report with your agency which was recommended by my banker whom advised me that my credit rating has dropped by almost XXXX point to XXXX +. 
I am very upset that Macy 's credit department could unjustly damage peoples credit without a solid evidence. At this time I 'm pleading with you to investigate my case and see that I have done nothing wrong & just believed in a principle. {$19.00} would not effect my life and {$150.00} would n't either. it is only admitting to wrong doing which I have not. Please let me know what can I do or how can you help me. 

Thanks

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 monetary relief
Consumer complaint received 2017-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Advertising and marketing

Complaint:
I filed bankruptcy and it was discharged on XX/XX/2017. I signed up on XXXX XXXX and while looking around this ad from capital one pops up stating apply to help improve credit score with a {$300.00} credit limit. I 'm thinking ok ... I can use this and applied. Received card and tried to activate. A prompt came up tht there had been fraudulent activity and I had to speak to a customer rep. I 'm thinking how is tht possible since I had just applied and received card. Well this lady came on phone and stated she had to verify my information. I said I 'm confused because the card had not been activated so how is fraud possible. She said there is no fraud we just need u to verify some info so I will put u on hold so I can look up some public record info ... at b this time I 'm really confused so she comes back on and states I need to send additional info like drivers license ss card and utility bill. I asked was this because I filed bankruptcy and she stated yes so I told her u can keep the card and close the account. My issue is I feel somewhat discriminated against. If u are putting your ad on XXXX XXXX to help reestablish your credit what do u expect. Needless to say they wo n't receive my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Please find the above collection agency by submitting a false sale from Capital One Bank Card. 

1 ) They allege that they purchased the debt from Capital One Bank Card # XXXX in the amount of {$2300.00}. 

2 ) This is false as they failed to supply how much did they really pay for the alleged debt from Capital One Bank Card # XXXX. 

3 ) They also failed to provide proof of each item of the allege debt that totals {$2300.00}. 

4 ) They have failed to provide the credit card agreement with my signature. 

This fraud must be investigated

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Portfolio Recovery Associate has no right to collect on a debt delinquent from XX/XX/XXXX and XX/XX/XXXX. Nor have they provided validation information as required by the FDCPA. I have requested a validation of the debt your company claims I owe. In response, I received a letter noting the amount ( {$900.00} and {$710.00} ) on XX/XX/XXXX. Consumers have the right to request a validation of debt to ensure the company collecting the debt has not made an error. Sending me notice of the amount I supposedly owe does not prove that I owe the debt ; it merely proves that your company seeks to collect the specified amount. Please note I am not requesting a verification of your records. I am requesting proof that I incurred this debt, how much was incurred, and that you have the right to collect it. Proof of my liability is my legal right under the Fair Debt Collection Practices Act. Furthermore, based on the information regarding this debt provided by your representatives, I believe this debt to be in error partially or wholly and request proof as stipulated by the FCRA. I request proof XXXX XXXX XXXX XXXX is licensed to collect in the state of Georgia.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-27
Company: WELLS FARGO & COMPANY
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
XX/XX/XXXX We completed a refinance with Wells Fargo. We authorized an ACH debit for our new Mortgage in the amount of {$2100.00} from our XXXX account, monthly. In XX/XX/XXXX we discovered that another mortgage which was not ours in the amount of {$1400.00} was also being deducted from our account and had been for the previous 3 months. We informed Wells Fargo and blocked all ACH transactions from our XXXX account to wells Fargo. After several phone calls Wells Fargo agreed there had been a mistake and transferred the money ( 3 months {$4300.00} ) back into our XXXX account. They also made an additional transfer of {$1400.00} into that account, which we informed them of and have not heard back as to how they would like those funds returned. On XX/XX/XXXX we made a payment in person for our mortgage of {$2100.00} by check from another bank. Written on the check is the mortgage account #, check cleared the same day and posted to our mortgage account. XX/XX/XXXX we again made payment in person, in cash and have the receipt posted to our account on XX/XX/XXXX. Starting XX/XX/XXXX my wife begin getting calls that our Mortgage was late and had not been paid. After going on line to look at our account I find a line dated XX/XX/XXXX " PMT Reversal '' in the amount of {$2100.00}. At this point I have spent about 4 hours calling and waiting for Wells Fargo, who can not seem to explain how a payment was reversed or where it was reversed to. I am deeply frustrated, lack faith in their accounting and feel that blatant theft and wire fraud has occurred. My Mortgage is late, this may affect our credit, and I have all receipts to show payments were made in full on time. Thank you for your attention.

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 monetary relief
Consumer complaint received 2016-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Other

Complaint:
I was never late in paying my Capital One. The account was on autopay set up through Capital One and that had been the mode of payment since establishing the account. I do n't know how they can justify destroying my credit by stating that I was XXXX and 60 days late for account number XXXX. My credit score has dropped at least XXXX points because of this false reporting to all XXXX credit bureaus!! When I call and wrote ( certified mail, twice ) Capital one they refused to take this enormous mark off my credit. This behavior is not in good faith and I dispute the last report to the credit bureau. Please investigate and remove the late payment from XXXX, XXXX and XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CITIBANK, N.A.
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
This is the letter I sent to Citibank describing the issue : It has come to my attention that CitiMortgage paid property taxes from our escrow account for a piece of property that we no longer own. ( Your company managed our escrow account and paid these taxes on our behalf. ) On XXXX XXXX, XXXX, we sold our parking spot ( under said mortgage ), to another unit owner ( XXXX XXXX XXXX ) in our condominium building. I have attached copies of the the transaction and the transfer of the deed. 

The City Of XXXX appears to have recorded this sale properly ( see attachments ). 

However, Citibank, in their never-ending corporate incompetence ( which I have experienced countless times with this mortgage ) continued to pay the property tax on this real estate even after THEY GAVE US PERMISSION TO SELL IT! 

We originally purchased our condominium and parking spot together at the same time, both independent real property entities under XXXX mortgage ( originally through your organization ). 

We applied for, and were granted, a partial release of mortgage from Citibank. We were given permission to sell the parking spot, which we did. 

Please update our mortgage documents to reflect that WE NO LONGER OWN THE PARKING SPOT under this mortgage. We have not held title to this property for almost two years. 

That means all the property taxes for the parking which you paid to the City of XXXX on our behalf AFTER we sold the parking spot, should be refunded to us. 

These would include all taxes paid for : XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter XXXX XXXX quarter After XXXX XXXX you unloaded the mortgage to XXXX ( then they kept paying the taxes, as well! ). 

DO NOT continue to pay property taxes on this sold property ( parking spot ) on our behalf. We no longer own it. 

If you have any questions, or need any additional documentation, please let me know. You can find all the documentation regarding this past transaction at the website for XXXX. 

XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-19
Company: CITIBANK, N.A.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
On XX/XX/2016 I started my refi with Citi Mortgage. It was to close by XX/XX/<YYYY> I uploaded all of the required documents to the Citi website on XX/XX/<YYYY> The appraisal was completed on XX/XX/2016. I contacted the processor at Citi on XX/XX/2016 to get the status and was told XXXX additional items were needed. I submitted the XXXX items on the same day. On XX/XX/2016 the refi still was not closed so I talked with Manager XXXX XXXX. He said he understood my frustration and would have the underwriter review my documents. Today is XX/XX/2016 and my refi is still not closed even though I was told the underwriter was reviewing it on XX/XX/2016. I talked to Manager XXXX today, XX/XX/2019, and he said he communicated with the Underwriter Manager to expedite my closing.

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 monetary relief
Consumer complaint received 2017-02-27
Company: Experian Information Solutions Inc.
State: UT
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have found myself in a difficult situation since someone stole my identity. I feel I have exhausted all my efforts and need additional help. I have submitted to each of the credit bureaus a copy of both a police report, my identity theft affidavit, and a copy of my personal information i.e. my drivers license, copy of my passport, and my social security card. Additionally, I sent in a letter disputing the inaccurate information and got no response at all. It has now been over 30 days and I have yet to hear any response from them regarding the matter. I am now submitting a complaint to request additional help in rectifying the situation. I know the credit bureaus are each in violation of federal statute, and the only request I have is for the fraudulently reported information to be removed and blocked so that I am no longer affected by it. It has been interfering with me being able to get credit, gain additional employment, and hindering the quality of life I deserve to live.

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 2017-03-29
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I notice on my credit report XXXX experian and XXXX has bankruptcy information reporting on my credit report which is not make for public

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: EQUIFAX, INC.
State: CO
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I was on a payment plan with XXXX. Where they took my bank acct info and were taking payments out every month automatically. I noticed that they suddenly stopped taking the payments out of my account. I called them and they said they reported me 30 days late because I had to re-set up the payment plan. No one notified me that I needed to do so, or let me know what they payment plan was about to expire to call in and renew it. I have since renewed it and they are taking the money, however I do n't think it is fair that they reported me late when they had the control of my bank to take their payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-11
Company: MONEY SOURCE, INC., THE
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have our home loan with The Money Source. Starting on the XXXX of every month they call repeatedly, almost everyday asking for us to make a payment. The last time my husband spoke with them he told them that the payment would be made on the XXXX. Today is the XXXX and not only did they call him this morning, early, but they callled his place of work asking to speak with him. My husband has told them numerous times to not call during the time he is working and they continue, he has asked them to not call him at work and yet this is the third time they have contacted him at work. They have been very unprofessional when he asks them to not call during the time he is at work. He asks them to stop calling he will pay on a certain day and they continue to call. They refuse to speak with me personal, for I am not on the loan and tell my husband that will send a " third party '' paper where I can be listed as a contact and we have yet to receive the paper they reference but we get all of communications from this company.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Radius Global Solutions LLC
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I have received a letter from a company named Central Credit Services LLC XXXX XXXX XXXX XXXX , XXXX XXXX, MO XXXX telf XXXX The letter states that I have a pending debt of {$800.00} with XXXX XXXX XXXX XXXX, and this company has been hired by XXXX to collect this payment. As of now I do n't have any notification from XXXX regarding this debt. The car that they are talking about was fully paid by XXXX since it was part of a trade in, and my credit report is showing this car as a closed account. CENTRAL CREDIT SERVICES is urging me to send them the payment or to contact their office to set up a payment arrangement. I believe this should be a total scam, that 's why I 'm filing this complaint.

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