davidheineman/consumer-finance-complaints-large huggingface dataset:
Consumer complaint received 2018-02-15
Product: Checking or savings account — Other banking product or service
Issue: Closing an account — Fees charged for closing account
Company: CAPITAL ONE FINANCIAL CORPORATION (GA)

About one month ago Capital One Investing announced that all its customers ' brokerage accounts would be automatically moved to XXXX   " later this year '' without any other options offered to customers. My wife and I both had Roth IRAs with Capital One Investing and did not want our accounts moved to XXXX. We elected instead to transfer our accounts to a different Bank/Brokerage Firm more to our liking. My wife and I were both charged standard {$75.00} " Transfer Out '' Fees ( {$150.00} total ) by Capital One Investing, which was very unfair since the only reason we elected to transfer our accounts was that we didn't want them automatically moved to XXXX. Capital One Investing said the fee is a standard fee and would not issue a refund, however, it's not standard or fair to tell your customers that all accounts will be moved to XXXX   and then provide no other options for customers who are not pleased with the transition. Please help.
Consumer complaint received 2017-10-02
Product: Credit card or prepaid card — General-purpose credit card or charge card
Issue: Struggling to pay your bill — Credit card company won't work with you while you're going through financial hardship
Company: CAPITAL ONE FINANCIAL CORPORATION (NY)

i have a capital one venture card i 've been with them for quite some time. I 've called them couple of times to help me pay off my credit card faster by lowering my APR from 19.99 to a  lower one but they refuse.debt relieve programs are n't a option for me because they want me to close my credit cards and i need at least one for emergency.i have n't once been late with my payments throughout having this card.i think deserve a break from a high APR.if capital one cant help me by lowering my APR my only option is bankruptcy and I 've already  talked to a bankruptcy attorney he said he will get all the documents and papers ready to file. If they cant lower the APR postponing my payments for some time will help me but saving up the money and paying it of that way. but 19.99 % apr is ridiculously high.
Consumer complaint received 2018-02-14
Product: Debt collection — Medical debt
Issue: Took or threatened to take negative or legal action — Threatened or suggested your credit would be damaged
Company: Credit Center, LLC (FL)

I received notification through a credit monitoring service that I had a past due balance of {$70.00} for a medical appointment several months prior. At no point in time did I receive notification ( written or verbal ) from either the medical office involved or the collections agency. The debt collector fraudulently reported the total amount owed as 4 separate past due balances totaling {$70.00} to the credit bureau, seriously affecting my creditmoreso than one derogatory mark. Since I first discovered the debt through my credit monitoring service, I should not be expected to have paid earlier, nor penalized with derogatory marks. Upon discovering it, I did verify it, and paid it as soon as possible. The CFPB needs to step in here to prevent this company from fraudulently and viciously trashing my credit, and reach out to XXXX to remove these marks ASAP.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: GRANITE STATE MANAGEMENT & RESOURCES (VA)

I HAVE DISPUTE THIS ON XXXX XXXX. XXXX AND I WAS INFORM BY A LETTER FROM GRANITE STATE MANAGEMENT THAT THE ERROR ON THERE PART HAS BEEN FIXED AND THE ITEM IS NOW SHOWING BACK UP ON MY XXXX AND XXXX CREDIT REPORT. IT NOW 11 MONTH LATER AND THE ITEM THAT I HAVE DISPUTE WHICH SHOULD OF NEVER BEEN TAKEN OFF OF MY CREDIT REPORT IS NOT SHOWING UP AT ALL. A LITTLE BACKGROUND ON THE DISPUTE I HAD BACK IN XXXX OF XXXX. ON MY XXXX CREDIT REPORT IT WAS SHOWING A WRONG DATE OF LAST DATE OF ACTIVITY ON THE ACCOUNT. I WENT AHEAD AND DISPUTE THIS WRONG DATE WITH XXXX AND IN THE PROCESS OF DISPUTING THIS THE ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT AND A COUPLE OF DAYS LATER IT WAS DELETE OFF OF MY OTHER CREDIT REPORTS. I CALLED GRANITE STATE MANAGEMENT ABOUT THIS ERROR AND THEY SENT ME MY PAYMENT HISTORY ON THIS ACCOUNT WHICH SHOWED THE DATE OF LAST ACTIVITY WAS XXXX OF XXXX BUT ON MY XXXX  CREDIT REPORT IT SHOWED A DATE OF XXXX OF XXXX. I SPOKE WITH SEVERAL REPRESENTIVE ON THE PHONE FROM GRANITE STATE MANAGEMENT REGARDING THIS ISSUE. THIS ACCOUNT WAS A CLOSED ACCOUNT AND IT WAS TRANSFER TO XXXX XXXX XXXX AT THE TIME IT WAS TRANSFER THE ACCOUNT WAS CURRENT AND IT HAD NO LATE PAYMENTS AT THE TIME IT WAS TRANSFER. SECOND LIKE I SAID EARLIER IT WAS A CLOSED ACCOUNT IN GOOD STANDING AND ACCORDING TO THE CREDIT BUREAU IT STATES ANY ACCOUNT CLOSED AS PAY AS AGREE REMAIN ON ONE CREDIT REPORT FOR 10 YEARS. THIS ACCOUNT WAS CLOSED IN XXXX OF XXXX AND THIS ACCOUNT IS NOT DUE TO COME OFF UNTIL XXXX. WHEN THIS ACCOUNT WAS DELETE OFF OF MY CREDIT REPORT IT LOWER MY CREDIT SCORE AND JUST I SAID EARLIER THE ACCOUNT WAS IN GOOD STANDING. ANY LATE PAAYMENTS ON THE ACCOUNT GET REMOVED AFTER 7 YEARS OF THE DATE IT BECOMES LATE IF THE ACCOUNT IS CURRENT. IF THE ACCOUNT WAS NEVER CURRENT AT THE TIME IT WAS CLOSED OR TRANSFER THEN IT WOULD FIT THE 7 YEARS DEQUENCY BUT IN THIS CASES IT DOESNT FIT THAT. ACCORDING TO GRANITE STATE MANAGEMENT IN THERE ANSWER THAT THEY GAVE ON XXXX XXXX XXXX THEY STATE AS FOLLOW AS A RESULT OF THIS DISPUTE THE PROCESSOR INCORRECTLY INDENTIFIED THIS ACCOUNT AS HAVING AGED BEYOND THE REQUIRED REPORTING PARAMETERS AND SUBSEQUENTLY DELETED THE TRADELINE. THE ERROR WAS DISCOVERED AND A MANUEL UPDATE WAS PROCESSED FOR HIS TRADELINE TO REAPPEAR ON HIS CREDIT REPORT, AS TO THIS DATE AND TO THE CURRENT DATE AND YEAR NOTHING HAS REAPPEAR ON MY EQUIFAX OR MY EXPERIAN CREDIT REPORT. THE TRADELINE OF MY XXXX XXXX CREDIT REPORT WAS UPDATE CORRECTLY BUT I AM STILL WAITING FOR THE ITEM TO REAPPEAR ON MY XXXX AND MY XXXX CREDIT REPORT. I ALSO RECEIVED A LETTER FROM THEM THAT STAE THE ITEM HAS BEEN REINSERTED BACK ON MY CREDIT REPORT BUT SADLY IT HAS NOT
Consumer complaint received 2018-07-18
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Unable to get your credit report or credit score — Other problem getting your report or credit score
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION (TX)

I called XXXX after bank sent me letter advising me to contact XXXX. I gave them all the info requested and was told i can not receive my report until i mail 2 forms of ID. I am out of the country and not sure if i mail anything to them it will even get to them. 
I offered to email them everything they requested but they insist i mail them. I offered to upload requested info on their website. i feel like my bank USAA and XXXX have tricked me and now i have a negative app and i can not even find out why. Unless you jump thu hoops i would say XXXX  has found a way to go around the laws that are suppose to help us take control of our personal information. i am just trying to find out what XXXX is telling everyone but me. 

Regards XXXX
Consumer complaint received 2018-07-21
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Incorrect information on your report — Account information incorrect
Company: Panhandle-Plains Student Finance Corporation (TX)

This is a different account for Panhandle PANHANDLE PLAINS HAS REPORTED MY ACCOUNT TO XXXX   LATE IN ERROR. THE REPORT SHOWS I WAS LATE XX/XX/XXXX, XX/XX/XXXX AND XX/XX/2015 AND THIS INFO IS NOT CORRECT.
Consumer complaint received 2017-10-02
Product: Vehicle loan or lease — Loan
Issue: Struggling to pay your loan — Denied request to lower payments
Company: Consumer Financial Services (IL)

I had worked for CFS for the past 3 years. Till my manager decided to quit in XXXX XXXX. That is when the new manager took over the office on XXXX right by XXXX XXXX. Not only was she extremely rude to her customers but to her employees as well including myself. She will pick on numerous employees on a daily basis no reason. Many employees brought it up to the attention of the CEO and the CEO failed to do anything to help us. Majority if the staff ended up quitting due to how unprofessional the new manager was. Once I quit I thought the harassment would stop and it did till XXXX XXXX I received an alert that CFS had ran my credit without authorization. I contacted my account holder and let her know I was going to email the CEO. I  then called back to set up a payment arrangement plan and was transferred to the manager and was told quote " Im sorry your  XXXX can NOT pay for your bills but I will get my money back '' and then contacted the CEO he apologized for the managers language and stated he was going to look into my account and set up a payment arrangement plan. I was later on that week informed by my account holder that the CEO did not want to work anything with me. I informed my account holder my situation and let her know I could pay XXXX by XXXX/XXXX/XXXX I never received a reply back so I assumed we had made an arrangement. I then on XXXX XXXX found a letter on my car from CFS in writing stating " WE KNOW WHERE YOUR CAR IS AT. WE ARE GLAD TO MAKE ARRAGMENTS WITH YOU PLEASE CONTACT CFS AT ( XXXX ) XXXX XXXX '' There was no letter head from the company just a ripped of sheet of paper. This company has been harassing me all month even after trying to set up a payment arrangement plan with them or return my car voluntary.
Consumer complaint received 2017-10-02
Product: Debt collection — Other debt
Issue: Attempts to collect debt not owed — Debt was paid
Company: Weltman, Weinberg & Reis Co., L.P.A. (OH)

From XXXX XXXX XXXX, my paychecks were garnished for a tax debt owed to the City of XXXX, OH. The amount garnished was a little over {$3000.00}, and the debt was paid in full. The garnishment was initiated and collected by Weltman, Weinberg & Reis Co ( WWR ). 

WWR is now attempting to again garnish my paychecks for the same debt, in the amount of {$770.00}. 

This debt was paid in full and this second garnishment attempt is a clear violation of the Fair Debt Collections Practices Act.
Consumer complaint received 2018-07-21
Product: Money transfer, virtual currency, or money service — Mobile or digital wallet
Issue: Fraud or scam — 
Company: PNC Bank N.A. (IL)

XX/XX/18 sent {$200.00} to scammer. Noticed same day it was not a good sale. Tried to request money back XX/XX/2018. No luck from scammer. Called my bank XX/XX/18 to dispute they stated it would take 10 days for a result. Called XX/XX/18 to check status bank stated they found no error and sent paperwork explaining why on XX/XX/XXXX.
Consumer complaint received 2017-10-02
Product: Credit reporting, credit repair services, or other personal consumer reports — Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem — Their investigation did not fix an error on your report
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC. (NV)

I was not advised nor did I allow the bankruptcy information to be added to my Transunion credit report. 
603 Define adverse action Adverse actions '' include all business, credit, and employment actions affecting consumers that can be considered to have a negative impact as defined by Section 603 ( k ) of the FCRA Adding a bankruptcy to a consumers report is and should be considered an adverse action due to its negative impact.
Your bureau has published inaccurate information in my credit report. Stating that US Bankruptcy Court of Nevada was the furnisher of the information. When in fact a third-party XXXX XXXX information reseller ) is the furnisher of the information. The US Bankruptcy Court of Nevada does not solicit or give information to third party companies ( Proven by Letter ) Your company has also admitted to the use of a third-party company via correspondence. 
Your companys interaction with an information gathering company has also been proven by XXXX. 
XXXX confirms that they retain information mainly from public record on the XXXX company website page About Us.
The public record from the US Bankruptcy Court of Nevada is also heavily redacted, thus making identification virtually impossible or extremely difficult. 
Definitions : Furnisher A Person or Entity to provide what is necessary for an activity or purpose. 
Identity Theft The fraudulent acquisition and use of a persons private identifying information, usually for financial gain. 

Your company failed to respond satisfactory within 30 days. 

Your company has repeatedly verified without yielding proof of verification. 

Your company has failed to reply to letter asking for proof of owner verification. 

Your company has failed to sign for the receipt of second letter asking for proof of owner verification. 

Willful noncompliance with FCRA Disputed Accuracy Section 611 Willful noncompliance with FCRA Furnishers Obligations Section 623
Consumer complaint received 2017-10-02
Product: Debt collection — Medical debt
Issue: Written notification about debt — Didn't receive enough information to verify debt
Company: Pressler & Pressler, LLP (NJ)

I have been a patient of XXXX XXXX XXXX since XX/XX/XXXX. In XX/XX/XXXX he was the XXXX   who XXXX my daughter on XX/XX/XXXX. I began my treatment with him in XX/XX/XXXX. My treatment was paid through my health insurance and XXXX XXXX was a provider on XXXX XXXX XXXX network. At the end of my XXXX I received a bill from XXXX XXXX and it was for {$300.00}. I called XXXX XXXX up to inquire about this balance and they informed me that he was paid a reasonable and customary fees according to his provider contract. He billed XXXX XXXX  A total of more than {$14000.00}. He received everything but the {$300.00}. I was told by XXXX XXXX ; providers sign A contract agreeing to the financial terms in their network and they are Prohibited for from billing unreasonable rates. I called XXXX XXXX 's wife ( billing coordinator ) and she informed me that they were going to write this balance off and adjusted. 

I go on with my life and forget about this and come to find out Pressler and Pressler has issued a default judgment against me. I was never served with paperwork. They put this on my credit report as well and I disputed it with all three bureaus and it was deleted ; as a result of the credit bureau being unable to validate the validity of the judgment. I have tried to call to resolve this with pressler and pressler several times. I asked Pressler and Pressler to supply me with a validation of debt. Pressler and Pressler provided a statement which contained mine and another patients medical billing diagnostic codes. It was seven pages long and there was no patient identifier to link me to The balance I supposedly owe. There is nothing from XXXX XXXX  supporting this balance is actually owed. The only documentation I have is a statement from XXXX XXXX 's office with the hand written total at the bottom that does not match the dollar amount on the printed statement. I am not very familiar with the legal aspects on this. I was very scared. I am a single mother of XXXX small children ; that I support by myself and I do not have the financial resources to obtain an attorney and fight them. They went and purchased this debt without any verification from XXXX XXXX and solely on the paper statement from the providers office. This does not suffice that I owe a debt. The statement with the patient account consists of my name in addition to another individual 's name and I am unable to differentiate what belongs to me and what belongs to myself or the other individuals name printed on the paperwork. 

I wrote a statement objecting to the wage garnishment. I am scheduled to appear in XXXX county court on XX/XX/XXXX. The docket number is DC # XXXX. I 'm hoping that someone can please help me. I do not owe this debt ; Pressler and Pressler have violated the fair credit act. 
Sincerely XXXX XXXX
Consumer complaint received 2018-07-20
Product: Checking or savings account — Checking account
Issue: Managing an account — Deposits and withdrawals
Company: CIT BANK, NATIONAL ASSOCIATION (CA)

I had funds from my mortgage company deposited in my One West checking account that I have had for around a year. They either held or stopped several personal checks, although I had called them and spoken to representatives XXXX, XXXX and XXXX about using my own checks. They restricted my account due to my desire to use my own checks as opposed to the expensive checks offered by them. I now have several returned check fees and this embarrassed me in the face of my payees. Upon calling One West and informing them of the situation they asked me to step into the branch -- which I can not do as I am XXXX XXXX ( moreso XXXX XXXX ) and recovering from XXXX XXXX. One West replied that they could send an agent to my home. As I thought this very unusual to send a banker to an XXXX XXXX XXXX, I requested to have a police officer present. The police department informed me that they can not send out an officer to my facility just because a banker wants to visit if no crime has been committed.
Consumer complaint received 2017-10-02
Product: Debt collection — Credit card debt
Issue: Took or threatened to take negative or legal action — Threatened to sue you for very old debt
Company: CAPITAL ONE FINANCIAL CORPORATION (IN)

I received a notice letter from the XXXX XXXX XXXX regarding garnishment of my wages by Capital One. I have no idea what this debt is in regards to. The notice says XXXX XXXX XXXX XXXX, but there is no account information listed on the notice. The notice then says " to view the document, click the link below, '' which is impossible to do on a hard copy letter. When you type into a web browser the addresses given, there are two separate documents : a court order dated XXXX XXXX, XXXX and another document that appears to be dated XXXX XXXX, XXXX. Both of these documents have a judgment date listed as of XXXX XXXX, XXXX. Neither of these supplemental documents lists an account number either. 

I have checked my credit report for information regarding this debt and the only thing that shows for XXXX XXXX XXXX is a credit card I opened approximately a year and four months ago with a " Current '' payment status as of XXXX XXXX, XXXX. There is no other mention of a Capital One account. I have not received any other documentation on this garnishment order other than this unofficial-looking, so-called notice. 

Why would Capital One extend a new line of credit to me if they were still pursuing previously owed money from me? In addition, if a judgment was issued for this on XXXX XXXX, XXXX that would mean the debt is at least 8 years and 3 months old. The statute of limitations for the state of Indiana regarding open-ended accounts, which includes credit cards, is 6 years. Any debt collection of a debt that is beyond the statute of limitations is in violation of the Fair Debt Collection Practices Act. Also, why was this filed in the XXXX XXXX court? I do not even live in XXXX XXXX. 

I am being threatened to appear in court and my current employer to appear before the court or answer interrogatories about me in regard to garnishment. This is an aggressive, coercive tactic that is attempting to scare me into making payments on a debt that either does not belong to me at all or is so old it has expired so that it may be reactivated and therefore have collection processes resumed.
Consumer complaint received 2018-02-15
Product: Money transfer, virtual currency, or money service — Virtual currency
Issue: Money was not available when promised — 
Company: Coinbase, Inc. (CA)

I opened an account with Coinbase on XX/XX/XXXX. After going through the verification process and getting everything set up. I decided to use the Wire Transfer method to put money into my account. I sent over {$20000.00} dollars from my XXXX XXXX Account. The wire was executed on XX/XX/XXXX. The website had said at the time that it would take 3-5 business days. After about 2 weeks we tried contacting Coinbase support via email support request. We did not get a response until a week after that. Coinbase was little to no help. Every support request we sent was responded to by an automated message stating the same things that were already sent. Since we could not get an answer via email I tried calling in. They were also no help. All they could do for me was check on the support request status and let me know that it was upgrade to the " highest priority ''. Every time I called in they would change the amount of days that it takes them to reply to support request. They told me that I should not reply to their support emails or send new ones in because it would put me to the back of the line for the " specialist '' to get back to me. They told me this for a month and half only to call again on XX/XX/XXXX for them to tell me that their employees were misinformed and that replying to the emails will actually put a note to the top of my request for the specialist to see. No one seems to know whats going on there and I cant get an answer as to where my {$20000.00} is. They cant even tell me if its being sent back to my account due to wire issues. I just want an answer. We have sent multiple support request and have called over a dozen times. The wire was executed on XX/XX/XXXX and it is now XX/XX/XXXX and I have literally gotten no information as to where my money is. That is over 45 business days.
Consumer complaint received 2018-02-15
Product: Debt collection — Auto debt
Issue: Attempts to collect debt not owed — Debt was result of identity theft
Company: Santander Consumer USA Holdings Inc. (FL)

Santander consumer USA is attempting to collect on a debt that I do not have a contract with their company, they breached their contract when they sold the account, they are attempting to collect a debt that is {$25000.00} which I no longer owe Santander consumer USA, by law they have to remove the fraudulent account! Santander consumer USA is involved in a class action law suit regarding reporting fraudulent charges and accounts on consumers credit reports. If the account is not removed from my credit profile. I will file a lawsuit against Santander consumer USA. I have filed complaint with the Attorneys general office and I have also submitted all documents to my attorney
Consumer complaint received 2018-02-15
Product: Debt collection — I do not know
Issue: Attempts to collect debt not owed — Debt is not yours
Company: Diversified Consultants, Inc. (MI)

I have been contacted numerous times by a company I have never done business with. I have sent them certified letters asking to VALIDATE the debt they say they have on file for me. They have not sent VALIDATION to me as to why they are contacting me regarding a debt I do not owe to them. I have NEVER signed or agreed to any contracts with this company and I don't know why they have any rights to continue to say I do or to contact me at all.