BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-03
Company: Paypal Holdings, Inc
State: NM
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Hi! PayPal Credit is engaging in misleading and predatory practices. In paying for an ebay purchase, I inadvertently and somehow signed up for PayPal Credit on a " Promotional Financing '' offer. Rather than using my checking acct. via debit card, which is what I had checked, PayPal used credit on the first " sign up '', and on several subsequent occasions, despite me checking " PayPal '', not " PayPal Credit ''. PayPal checks, then unchecks my choice of payment, and puts the purchase on credit. I have emailed PayPal with my complaint, and received no response. PayPal 's " Promotional Financing Offer '' is no payment/interest free for 6 mos., then they start charging 19.99 % from date of posting, a few days after purchase, if you do n't pay off the entire balance. This reminds me of the medical " XXXX XXXX '' scam, but at lease medical expenses can be paid. No consumer needs a sneaky credit scam to buy stuff on ebay! Please investigate -- this is just wrong. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: Tower Loan of Mississippi, Inc.
State: LA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
I had medical issues and got behind on my payments on a loan secured by furniture and a signature loan. I kept in touch with the loan company, however they continue to call me and threaten me. They have said that they want to know what time they can come pick up the furniture, told me repeatedly that they would sue me, garnish my wages, and put a lien against my home on both loans. They try to force me to come in on a particular date and I tell them I do n't have the funds and can not come in on that day so then the threats start. They have come to my home ( I was n't here ) and left a card. They called my sister and told her to contact me and tell me that I had 10 minutes to call them back. This was approximately four days after I had been in their office and made a payment. They ca n't use the excuse that they did n't know how to locate me and needed to 'find ' me since I was in touch with them the week before. When I talk to them they can never tell me how many months I am behind. They say that my payments are n't full payments and when I ask why, they say that late charges are being taken out. I have asked them repeatedly to send me a print out of my payments and how they are applied ( this is especially important because they told me I missed a payment in XXXX and I see where I made it ). I have yet to get anything to verify the dates they 're saying I 'm behind. One person says I 'm behind since XXXX, another person says I 'm behind since XXXX. I 've even asked for the amount of late charges so I can pay them and they can be applied to the months they say I was short. I was n't short, I paid the required amount, they allocated it and make it appear that I 'm months behind on payments. Yesterday I was told that my account had been sent to an attorney for collection a month ago but I made a payment and they pulled it back. The manager said she was sending it yesterday to the attorney because I told her I did n't have the money and could n't come in before the XXXX. Then today she calls my job and leaves a message requesting employment verification ( I saved the voicemail and attached it to this complaint ). I 'm at the point where I do n't want to talk to them since it does no good. And all they do is threaten me with lawsuits and garnishments. Is it even legal for me to send in a payment for the month and they only apply part of the payment because of a late fee and then say I 'm behind in that month 's payment?

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 2015-09-28
Company: AFNI INC.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Afni Collections Agency reported false information to XXXX and destroyed my credit score. They never bothered to contact me about any of this. I only realized the issue after my credit rating dropped XXXX points. After calling them, they explained that the account was not even in my name. It turns out that Afni reported someone else 's delinquent account against my credit history. This is a clear case of defamation of character and Afni should be held liable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-27
Company: Atlanticus Services Corporation
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
Fortiva has reported and damaged my credit intentionally. I called this credit card company on XXXX XXXX, 2016 to make payment in which their automated system advised my credit card was current and I owed XXXX dollars. On XXXX XXXX, this credit card company called my cell via the dialer system and I spoke with a customer service rep who told me I was 30 days past due and I pay her one payment in the amount of {$74.00} in which I did. Five minutes later I was contacted again via automated dialer on my cell phone and was told I was 60 days past due and should pay 2 payments. Then, I became confused because the reps could not explain my due date or my payment history. I then called back, got another rep on the phone and the third time was told something different. I asked if this would destroy my credit. All the reps kept saying was not to worry, everything was going to be okay and not report if I paid. I paid as instructed and now I am being reported 60 days on my credit. Fortiva has destroyed my credit with their poor customer service and misleading practices.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-08-29
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: VA
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:
Reporting wrong amount to credit bureaus and refusing to accept payment of proper amount. 

1. XXXX final account statement dated XXXX XXXX, 2015 shows a balance of {$600.00}. See attached. 
2. This final statement has a charge of {$85.00} for final utilities. I had already paid the final utilities. Proof of this is attached. 
3. This final statement has a charge of {$270.00} to " re-glaze '' a tub that was in the same condition upon move-in. It was an older apartment with an older tub that had slight discoloration and wear and tear upon move-in. This seemed normal given the age, so I did not see any need to mark this on my move-in checklist. 

This results in a balance of {$240.00}. I have tried since XXXX 2015 to resolve this, but " XXXX '' and " Fair Collections and Outsourcing '' will not correct the above errors and continue to report inaccurate amounts to the credit bureaus.

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 2015-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Advertising and marketing

Complaint:
Capital One once again has not provided full disclosure. Capital One continues to be misleading and fraudulent in their approach to provide accurate information to this Bureau. 

For the evidence that Capital One has provided i.e ... .. the XXXX indicates that there is a reverse side to this application which has not been provided. 

Is it that Capital One knows that the reverse side will show my acceptance to the XXXX plan to which they are not allowing during my time of unemployment. 

This corruption and misleading information with Capital One 's reporting to this Federal agency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XX/XX/XXXX I took a loan from Capital One ; Never missed a payment. Then XX/XX/XXXX I was at a complete stop at a traffic light when a driver came slamming in the back of the car cause a total loss. Capitol One was contacted and was paid in full by the insurance company by approximately 2 months later. The XXXX miss payment that is reflecting on my credit report is incorrect. Please assist in disputing these XXXX miss payment. I have been an exceptional customer for the 2 years. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I applied my car own through XXXX XXXX dealer in XXXX XXXX XXXX, VA. This dealer works with Capital one. Capital one gave me interest rate 6.45apr. My account number is XXXX. 
There are XXXX problems. First of all, my dealer XXXX XXXX who charged me more without my awareness. My loan amount should be XXXX, but it became {$15000.00}. ( The finance guy who worked for XXXX XXXX put extra theft preventive system charge on my account. Despite the paperwork has my signature on there, but my friend and I never got informed of this additional charge. ) This Finance guy left office already. So the GM from the Priority who admitted their fault and refund {$1300.00} to me. ( I think Capital one should return me the interest has generated from this extra charge. Because i should only pay the interest from the amount ( {$13000.00} ) i had borrowed ) Second, Capital One gave me an unfair interest rate. I checked rate from XXXX XXXX in XXXX XXXX, they gave me 4 % interest rate. However, when I went to Priority dealer, they used Capital one as their loan service. Capital one gave me 6.45 % apr. When I signed my paper with Finance Guy, I thought this loan amount {$15000.00} has included the interests for 5 years and the principle amount. ) I want Capital one re-evaluate my credit score and gave me a fair interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-15
Company: PENTAGON FEDERAL CREDIT UNION
State: IL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Last year I applied for a credit card from PenFed Credit Union. I never got the card. I believe it went to the house next door to me. On a Sat I got mail and did not open it until Sun. Thats when I saw a bill saying that I owe almost {$3000.00}. I called PenFed and had them lock down the account but their was only about {$300.00} left to charge on the bill. They told me to call on Mon. when the office was open. I told them the card stolen, and the almost {$3000.00} was not mine. PenFed made sure the account was locked down. They said they where going to issue me a new card. I never got it. I called and emailed them three or four times, to tell them what I think happen to the card. The last email I sent said they would forward it to the appropriate department. Thats all I hear from them. When I went to do a HARP loan I found out, I fould out in my liabilities PenFed said I had a debt of {$2900.00}. So even though I have given them all the information on who I think the card went to, they did nothing. I still have the XXXX emails I sent them last year. I told them who I think used the credit card and got nor response. All they have to do is see who called in the order, and where the merchandise was sent. This would answer everything. I told them I did not get the credit card, had them lock it down as soon as I found out, but they put the debt on me. I want is for them to remove the {$2900.00} from the XXXX credit agencies. If they do n't want to go after the people that took the money, and I told them where I thought it went thats their problem not mine. Thank You very much. I do at lease have one of the emails I sent PenFed last year. ( I NEVER GOT A CREDIT CARD, ONLY THE STATEMENT THAT HAS XED OUT NUMBER, I HAVE NO IDEA WHAT THE NUMBER IS, THEY NEVER SENT ANYTHING WITH THE CREDIT CARD NUMBER ). ( Member No. XXXX XXXX Account ( XXXX ) XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-24
Company: CCS Financial Services, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX. I get phone calls and letter for a collection agency trying to collected money for bills who I did n't know was on collection. I get multiples phone calls treated me of jail. I never received a bill for the previous company with an amount to paid. I want this harassment to stop immediately before I request some compensations for this issue. I am on DO NOT CALL list and still get call from collections who used difference number to get me answer. I never get any knowledge of this account be put in collection from the company before getting treated calls.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Since XX/XX/XXXX, I have been requesting from Equifax to provide me with written proof of the incorrect information it provided to XXXX when I applied for a credit card. The only response I have received from Equifax has been completely ambiguous and no proof has been yet submitted. The response I received on XX/XX/XXXX, makes no sense at all. It actually does not addressed my request to provide me with the names and accounts of the credit unions past due and too high. I also want to know how Equifax arrived to the determination that my credit score was XXXX. By law, I am entitled to have this information provided to me. Please see attached correspondence I forwarded to Equifax. I also sought assistance from this organization as well, but the issue was never resolved.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-27
Company: AFNI 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:
Received a letter from the company stating that i owe a debt from XX/XX/2009. I told the company that I do n't believe that this is mt debt. I still have a current account with the company and I 've never been late on any payments. He told me that maybe somebody opened the account in my name because the addresses were accurate with my addresses. I have never received anything from this company stating that I owe a past debt. This account is 8 years old and past the statue of limitations for collection in my state. I do n't understand why this company is coming after me for now for and account that they say was closed in XX/XX/2009. I want this company to stop contacting me for this phantom debt that I dont owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: EOS Holdings, Inc.
State: SC
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:
Resolved a debt with origianal creditor payment confirmation # XXXX and was told that the debt was closed and returned and the original creditor also used the words released constantly reassuring me that the collection agency should no longer be reporting anything as they have regained the responsibility through payment, pulled my reports today and the account is still there.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: BANK OF THE WEST
State: CO
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
The bank for my small business reorders transactions in order to be able to charge overdraft fees of $ XXXX- {$36.00} each. The option for 'overdraft ' protection is only offered if we go into the branch office although every other service is offered online. The fees we have incurred in the last 45 days have been approximately XXXX even though according the banks own accounting there were sufficient funds to cover the withdrawals.

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 2016-12-14
Company: CITIBANK, N.A.
State: OH
Product: Credit card
Issue: Credit determination

Complaint:
Citi refused to investigate a fraudulent charge. When I complained they put negative information on my credit report. They have refused to give me further credit cards because of this.

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 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 paid the account off in XXXX. I do n't know how they can justify destroying my credit by stating that I was XXXX, XXXX and 90 days late for account number XXXX and that my account was closed by grantor. 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. That account has a zero balance and was closed at my request, as I had XXXX other Capital One cards with higher balances. 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 and XXXX off my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: Experian Information Solutions Inc.
State: SC
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:
XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Re : XXXX XXXX XXXX partial account # XXXX  ; XXXX partial account # XXXX Dear XXXX XXXX XXXX and XXXX This letter is in response to the account being reported currently on my credit report concerning the collection of the above reference dating back to XX/XX/XXXX.

I do not believe I owe what you say I owe therefore I dispute this debt. I am well aware of my rights under the Fair Debt Collection Practice Act ( FDCPA ) and my state laws so I hope to save both of us a great deal of time by letting you know that not only do I dispute the validity of this debt, I have also checked with my State Attorney General and verified that the Statue of Limitation for enforcing this type of debt through the courts in XXXX XXXX  has expired. I have attached a copy of my statue limitation that confirms the limitation in XXXX XXXX   is three years. Based on the information reported to all three credit bureaus this account was open on XX/XX/XXXX which will result in this account not only being unverified but also passed the timeframe of statute being open for a total of three years and five months. Therefore, should you decide to pursue this matter in court I intend to inform the court of my dispute of this debt and that the statute of limitations has expired. Documented status reported directly to the credit bureaus states that this account is scheduled to continue on my report until XX/XX/XXXX further more confirming the statute of limitation in XXXX XXXX of three years. A copy of credit report is attached.

This letter is a formal notification that I consider this matter closed and demand that you or anyone affiliated with your company, as well as any collection agency attached to this un-validate account be removed from all credit bureaus. I look forward to you contacting me in writing to advise me that your debt collection efforts are being terminated or that you or the creditor are taking specific actions allowed by the FDCPA or my state laws.

Be advised that I consider any contact not in accordance with the Fair Debt Collection Practices Act a serious violation to my State Attorney General, to The Federal Trade Commission and, if necessary, take whatever legal action is necessary to protect myself.

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 non-monetary relief
Consumer complaint received 2017-03-22
Company: AFNI INC.
State: PA
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:
This debt originally from XXXX XXXX was placed on my credit reports. It was originally placed with XXXX company and then disputed with the bureaus and ultimately unverified and the removed. It has now been placed with Afni in attempt to collect this debt that does not belong to me. This account has been placed on my consumer reports again under a different collection agency, Afni.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-22
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: WA
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:
Greetings ; Portfolio Recovery is indicating every month on my credit report that they have an open collections account with them for a debt that I disputed more than XXXX years ago. They are not actively collecting ( and have n't for years ), yet they are ruining my credit report. How long can they continue to report an " open collection '' against me? This debt has passed the SOL for collection, even IF they could validate it, which they can not. Thanks for your help!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
This organization claims that they do not have written authorization to cease communications other than in writing. I will again send this information to them however, the representative said that she will continue to call until I provide banking information which will allow them to automatically withdraw funds from my account each month. I will mail the agreed payments to them however, she stated that is not good enough and she will continue to call because they do n't consider it an arrangement or agreement unless they can automatically withdraw payments from my account.

Company response to consumer: Closed with non-monetary relief