BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card
Issue: Delinquent account

Complaint:
I paid my CC bill like always. My statements were begin sent to my junk my. My payment was always {$25.00} so thats what I was paying. I received a credit alert from my credit monitoring service stating I was 30 days late on a payment. I was shocked. I quickly logged on and paid what I needed to pay to get to current status. I never received any notification about my account until the alert. Why would I get notification when I paid the bill? I 've tried contacting them multiple times and they state there is nothing they can do. Which I know is not true. I have been a member since 2008 and have never missed a payment. I also sent them a goodwill letter, again no response. I followed up with a call, again they claim there is nothing they can do. For 1 " so called '' late payment that did not actually occur. They have made XXXX of dollars off me and I have never missed one payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: Harley Davidson Financial Services Inc
State: AR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a motorcycle threw Harley Davis, I had a XXXX an was XXXX for XXXX months, this happened 60 days after I purchased I continued to make XXXX more payments, they came got the bike an it had XXXX miles only on it an they sold it to another bike company for XXXX. I paid XXXX. Some how that did n't seem right or just. They billed me for the rest of the money lost in the loan, it 's XXXX yrs old now an I feel they should have to remove it ; my Credit has suffered long enough due to this XXXX. I was hit an was the innocent victim of all this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-04
Company: FIRST NIAGARA FINANCIAL GROUP, INC.
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
First Niagra bank will not speak to us on the phone. First my wife called and they said they had to speak me. Then I called on a Monday and they refused to speak with me and told me to go the nearest branch. We live an hour away from the nearest one. In XX/XX/XXXX I paid a payment and the reversed it. Said there was no such account. Spoke with a XXXX and have his employee id number and he reversed the late charges and i paid XX/XX/XXXX and XX/XX/XXXX payment. I told him that i should n't be reported 30 days late because to my knowledge payment in XX/XX/XXXX was paid. He said he would take care of it. Next thing I know were getting letters stating we are 62 days late and owe over {$300.00}? I called and they refused to let me speak with XXXX. and told me there was nothing they could do and to go local branch. I ca n't resolve this, do to the fact they are not allowing us to speak with anyone?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: PORTFOLIO RECOVERY ASSOCIATES INC
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:
Recently, I have been receiving information from my financial accounts - banks and credit card companies - that there have been several new delinquencies reported on my credit report that could possibly be frauds. Also, just recently, I have been receiving letters from Portfolio Recovery Associates , LLC. and other recovery companies about delinquent accounts. 

These delinquent accounts are not mine. I have several credit accounts and they are all paid on time. My credit score has fallen dramatically because of these erroneous reports. 

What recourse do I have to resolve this matter?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Inc is pursuing to send mails to my address stating that I own debts that were resolved with the creditors 2 years back. Checking the reviews, returned all these scams where they take up accounts which were in bad status at some point of time in the past and just pursue to get some money out of customers. They have to stop sending me communications, as I have called up the issuing companies and have officially settled them up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Bankruptcy

Complaint:
I opened a Capital One Credit Card account ( Ending # XXXX ) in XXXX XXXX, I then had unexpected medical bills in the amount of {$90000.00}, I unfortunately had to file Chapter XXXX bankruptcy on XXXX XXXX, XXXX, It was discharged XXXX XXXX, XXXX, I submitted all the necessary paperwork to Capital One but am still being billed, have been paying them since XXXX, Am I entitled to monies spent refunded?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Portfolio Recovery Associates , LLC / Account Disputes Department provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: HYUNDAI CAPITAL AMERICA
State: CT
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 started 72 month auto loan with XXXX XXXX XXXX in XX/XX/XXXX. I made 100 % on time and in full payments ( confirmed by all three credit reporting agencies and Hyundai themselves on over 10 occasions ).
I had made the last payment on my auto loan on XX/XX/XXXX in the amount of {$310.00}, which generated a refund of {$1.00} as well as the issuance of my Title and pay off notice ( which were printed on XX/XX/XXXX and mailed to me ).
There was another payment made on XX/XX/XXXX in the amount of {$310.00} ( my account was set up direct withdrawls ), which was also refunded to me due to over payment in late XX/XX/XXXX.
There was another payment made on XX/XX/XXXX ( again, automatically taken from my account ) in the amount of {$20.00}, which was also refunded to me due to overpayment.
On XX/XX/XXXX, Hyundai advised all credit reporting agencies that though my account was fully paid, and title issued, I was placed in delinquent status with {$0.00} due. After over 20 calls to Hyundai, no one can tell me why I was listed as delinquent as my balance was paid off, title issued and they advised I was NEVER late on a payment. This has caused my credit score to drop over 60 points.
On XX/XX/XXXX, I sent XXXX, XXXX, XXXX AND Huyndai all the materials I have ( payment history, title, pay off letter, etc .... ) to dispute this delinquate status.
On XX/XX/XXXX, all three agencies corrected my credit report to show that my account was closed/paid on time/never late as it should be.
On XX/XX/XXXX, Hyundai, once again, reported my account to all three credit reporting agencies as delinquent with a XXXX balance on this closed account. As a result, my credit dropped another 62 points. 

I have made, again, in excess of over 5 calls to XXXX and Hyundai trying to get my report corrected and to get Hyundai to correct whatever system issue keeps incorrectly reporting my account as delenquate to the reporting agencies. They advised me that the only way to do this is to dispute it again. They can not tell me if this will ever rectify the issue or if I need to dispute the same issue every single month because Hyundai wont correct their system. 

I am trying to purchase a home and this 62 point drop in my credit is preventing this from happening. Hyundai is not helping me with this matter in ANY way other than telling me to keep disputing it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Capital One Bank is being completely unreasonable. I was out of the country on XXXX separate occasions ( XXXX and XXXX ) and missed XXXX payments months apart. I had an average of {$15000.00} in my account during those months. The account had been open for a number of years and never late. 

I provided proof of these statements and Passport travel to Capital One Bank but they will not remove from my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: TOYOTA MOTOR CREDIT CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
After having XXXX XXXX leases in the past years and never being late on payments to them nor any other creditor either in my entire life, Lexus financial has reported me to the credit bureaus for 1 late payment over 30 days. 
They have stated that I did not pay the XXXX 2016 payment and that is totally untrue. 
After speaking with several of their representatives for hours in an effort to resolve the matter and explaining to them that the payment of {$290.00} was made thru their phone automated system ( as always ) on XXXX XXXX, they advised me that they WILL NOT remove the negative information from my credit reports and that they can not help me any further to please not call them anymore. 
They also advised me that they have been trying to contact me at a telephone number that does not exist and that is not a correct statement either, they have my phone number as well as my wife 's phone number in their file which I updated and verified with them back in XXXX 2016. 
Iam not late on my payments nor have I ever been late on my payment to Lexus nor any other creditor either.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am a victim of identity theft. Had a crazy ex that stole my personal information. She took the information and opened XXXX different credit cards. She then set up a XXXX XXXX and had the information sent to the XXXX XXXX so I never saw bills or statements. I was working XXXX during this period and she would go and cook dinner and clean up the house which gave her access to my checkbook where she simply took my checkbook and called and made payments. I stupidly did n't open my statements each month. I instead filed them away unopened until the end of the year and then I would pull them out and organize them for taxes. This is when I found out what she had been doing with the cards and checking account. I immediately called her and then I called the police department and filed charges against her. I also found out that she was MARRIED to someone XXXX. XXXX I contacted him and learned she had done the same to him and the one before him. She fled XXXX when I told her I took out warrants for her arrest XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
I received a letter from Capital One that my account is {$100.00} delinquent. My account was charged off and given to a collection agency. The account was ultimately paid in full last week with confirmation of all payments. I have attempted to contact Capital One after receiving this letter but transferred to a voicemail. I have placed about 10 calls during the day to this number and all have been transferred to the same individual. I am attaching a copy of the letter received along with my response. The account has been paid in full, I have all documents from the collection agency, and I have all records showing history of payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a Car in XX/XX/XXXX and CapitolOne Auto Finance financed the vehicle. The Car was paid off in XX/XX/XXXX and I was never late on making a payment, however in reviewing my all XXXX of my credit reports capital one auto finance reported that I madone late payment. I requested the negative item be removed from all XXXX of my credit reports by sending challenged letters to dispute the XXXX negative item, however the item has remained on all XXXX of my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CURO Intermediate Holdings
State: KS
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
BEWARE OF SPEEDY CASH IN KANSAS! THEY ARE SCAMMER AND LIARS!! 

I have paid over {$2500.00} on a loan for {$990.00}. I was told this would be for six months at 30 % interest on two separate occasions. 

Today, I requested a stop payment to Speedy Cash for the ACH transaction. However, it is quite difficult since the payment amounts change each two weeks. 

I have paid {$250.00} a month since XXXX 2015 .... It has now been 10 months. 

I was scammed! Ripped Off! Lied to .... and so disappointing. They owe me at least {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: CCS Financial Services, Inc.
State: CT
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:
Back in The XXXX 2016, I received a collection notice from Credit Collection Services for a debt of {$970.00} from XXXX XXXX and causality. I contacted Credit Collection Services to inquiry about the debt, I was advise from Credit collections services to send proof from DMV showing the date I sold the Vehicle that was covered by Nation wide insurance, I attached a copy of the plate cancellation receipt which was date XXXX XXXX, 2016, the cancellation notice on credit collection services for my policy with XXXX is XXXX XXXX, 2016. How can I be charge insurance with nationwide insurance for a vehicle that was sold 22 days prior. Credit collection services put this amount on my credit file with transunion on XXXX XXXX, 2016 and disregarded the attached document which was the plate receipt from CT state department of DMV. This is wrong.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-17
Company: Bread Financial Holdings, Inc.
State: SC
Product: Credit card
Issue: Advertising and marketing

Complaint:
In XXXX I received a notice included in by bill that any purchase in excess of {$500.00} would be interest free for 6 months. I made a purchase of {$740.00}. The company, Comenity continued to charge me interest at their standard amount over the next 6 months even though I was paying the monthly bill and paid what should have been the outstanding balance at the end of the 6 month term. When I questioned it they told me that : my purchase was not during a promotion my purchase did not meet the minimum purchase amount When I went to my online account to pull the XXXX statement, it was mysteriously missing although all the other monthly statements were there. However the XXXX statement included the same promotion.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Caliber Home Loans, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
1. XXXX county court docket. On XXXX XXXX, XXXX a XXXX XXXX is filed to foreclose the mortgage. On XXXX XXXX, XXXX Plaintiff files motion for summary judgement & to re establish a lost instrument. But then on XXXX XXXX, XXXX almost a year after filing the foreclosure plaintiff claims to have found loss instrument ( original note and mortgage ). Per Florida Fair Foreclosure Act Plaintiff must show is legal owner of promissory note that borrower signed at closing promising to pay debt. On XXXX XXXX, XXXX at final judgement granted by non jury trial plaintiff attorney shows me forged instruments note, mortgage. There is only XXXX original note & mortgage which are the ones signed at closing and these are not the ones I say with 100 % certainty and further prove it with a forensic examination report I have in my possession and Plaintiff has been provided a copy of. Per Florida statute XXXX a person is not liable on an instrument unless the person signed the instrument which I did not and a felony of 3rd degree. Some additional info provided above thru research. 
2. This original XXXX mortgage loan acquired by XXXX was insured and has been paid and collected upon one time. Plaintiff has been trying to collect a 2nd time on a mortgage that has already been paid to them by insurance long time ago.

Company response to consumer: Closed
Consumer complaint received 2016-11-20
Company: ResidentCollect, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Original creditor is previous landlord ( XXXX XXXX XXXX in XXXX, TX/XXXX XXXX XXXX in XXXX, TX ) - has charged us for excessive/fraudulent move out fees ( Deceptive Trade Practice ). We have disputed several times. Account was forwarded to collections agency ResidentCollect. Again, disputed and requested validation via Certified mail within 30 days. ResidentCollect reported to all credit bureaus on 30th day before legally validating per FDCPA laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing statement

Complaint:
I have a credit card account with Capital One. My payments are due by the XXXX of the month and typically Capital One will report account information to the credit bureaus a few days after the payment is due each month. This is what occurred this month on approximately XXXX/XXXX/2015, when my account was updated to reflect the payments made and my balance reflected {$130.00}. I then made another payment which posted on XXXX/XXXX/2015. Capital One did not update my payment history after that payment. However, there was an issue with my bank and the payment was returned ( and subsequently resubmitted after the error was corrected ). I checked my credit report today and Capital One has now updated my XXXX report to reflect the balance of the returned payment even though they had already updated the reporting of the account at the beginning of the month to reflect my payments at that time which cleared with no problem. Consequently, this update caused a nearly XXXX point drop in my credit score. It is very clear that Capital One is electing to report the account at various times with the intent of penalizing me. They did n't choose to update the reporting when my balance was even lower yet they are choosing to do so when the payment was returned. This clearly shows that they are intentionally trying to damage my credit rating in an effort to have me resolve the returned payment ( which I have already done anyway ). This is not the XXXX time they have reported multiple times in a month. The account should be reported after the payment is due and not report again until the following month 's payment is due, which is accurate information. Had I not resolved the issue with the returned payment by my next billing cycle, then Capital One would have every reason to report it in this manner, however, they are opting to do so now before the billing cycle is complete in an effort to intentionally damage my credit rating and to penalize me. I am applying for a mortgage at this time and now have been denied credit due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: PENNYMAC LOAN SERVICES, LLC.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have for more than XXXX months tried to talk to PennyMac and even the corporate office about my payments and how money is being applied in addition to the payments they claim they have made to the tax assessors office. my payment went up and I have nothing in writing still. 
in addition to this I have unfortunately fallen behind on my mortgage loan and i have been requesting help with my loan have tried to talk on several occasion to the person assigned to my loan and nothing, until i complaint again one called me back and said she would fedex me a package and nothing i keep writing to them via the internal messenger and its a total waste of time. 

it worries me that they are just waiting to add legal fees and file a notice of default to make it harder and more expensive for me to reinstate the loan, so far as of today i have fallen behind XXXX months. 

I need help with this and i need the lenders cooperation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-23
Company: Alorica Inc.
State: FL
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:
WEST ASSET MANAGMENT ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you WEST ASSET MANAGMENT or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : WEST ASSET MANAGMENT or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX SS # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX, XXXX, FL XXXX

Company response to consumer: Closed with explanation