BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-03-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
I am a holder of an XXXXXXXX XXXX XXXX that is managed by Capital One. Recently, I traveled to XXXX, and to my frustration, my credit card was blocked. Despite multiple attempts to contact customer service, I have been unable to unblock the card, as they continue to request the same document repeatedly without providing any resolution. 

On XX/XX/2023, I received an email ( see Figure-1 ) from Capital One requesting that I upload my federal driver 's license to unblock my credit card. However, the email contained only broken links ( as shown in Figure -2 ), making it difficult to upload the necessary documents. Even when the links worked, I was often directed to a page ( Figure -3 ) with no clear options for uploading documents. Despite several frustrating sessions with customer service representatives from Capital One, they refused to acknowledge that the links were broken, and I was unable to provide them with a screenshot of the broken link page. 

Finally, after several unsuccessful attempts to upload the necessary document, customer service provided me with the option of physically mailing the document to a location in Utah. I sent the document as instructed and hoped that the issue would be resolved soon. However, when I contacted Capital One again, I was informed that the document I provided was blurry. I expressed my displeasure with this response and requested an email address to which I could send the same copy to prove that it was not blurry. However, they refused my request, leaving me feeling increasingly frustrated. 

Unfortunately, when I followed up with the customer service representative a week later, I was informed that the previously mailed physical document was rejected, not due to blurriness, but because it was black and white. However, I can confirm that the document I submitted via mail was a color copy of my driver 's license, and it appears that the document was converted to black and white by the Capital One system. This also proved that there is no clear process in place at Capital One for vetting the documents. 

As of now, my card has been blocked for two months, causing missed payments and significant inconvenience. I have been instructed to mail the document to Capital One again, but I have little confidence that the issue will be resolved, as it appears that they will continue to repeat the same flawed process. I am submitting this complaint to bring this matter to the attention of the relevant parties and to request a prompt resolution to this minor yet persistent problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: CITIBANK, N.A.
State: VA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
My 2023 Credit Card Reward Certificate in the amount of {$390.00} became available XX/XX/2023. As the amount was above {$300.00} I was given the option to direct deposit this amount to one of my checking accounts. XX/XX/2023 I elected the direct deposit option but was given an error message. The system incorrectly shows that my certificate was redeemed XXXXThe funds to date have not been deposit into my account. I have called 8+ times and spoken to multiple people to try a remedy the situation with Citibank however each person I speak to says that there is a known issue and that it should be deposit in my account 3-5 business days. As I have gotten this answer multiple times and the funds have not been deposited in my account to date I requested that I be allowed to redeem my certificate at Costco Wearhouses directly as it is the other option. Citibank has refused this option as well.

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 2019-10-16
Company: Bread Financial Holdings, Inc.
State: MO
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I got a credit offer for 12 months without interest, the last month to pay was XX/XX/XXXX and pay the whole amount in the middle of XX/XX/XXXX but bank put more than {$200.00} of interest for all the 12 months because I need it to pay before XX/XX/XXXX. 
I have called customer services and they haven't help. I asked them to charge me interest only for the days after the promotion but they want to charge all the 12 months. The bank keeps adding fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-27
Company: Experian Information Solutions Inc.
State: NJ
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:
Dear cfpb I have 2 closed mortgages that are not mines XXXX XX/XX/XXXXand XXXX XXXX XXXX XXXX   XXXX. I contacted this company several times. They said they would remove it. Its a closed account that's not mines and I keep seeing on my report. They are both negative with lates. They also put a credit collection for medical the bureau. This is illegal. Please have them remove these lates from my credit.

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 2020-03-10
Company: Shellpoint Partners, LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
As of XXXX  last night my homeowners insurance policy has been cancelled from the negligence on behalf of New Rez. I have been directly in contact with these people on email that has been ignored and a phone call to the insurance team with New Rez on the XXXX to try to ensure an already late payment to be made by the XXXX. My attorney contacted them yesterday and we were jerked around with constantly being placed on hold and then the out come was a bogus or invalid tracking number provided to us by the 3rd hold attempt we encountered. My statement balance is also in question going back to XXXX as my payments were not properly applied. I have submitted all my bank records that show I have paid and again all my emails have been ignored. Upon reviewing the XXXX comments and found they have about the poorest review a company can have and read anything from fraud to possibly theft statements on the XXXX website I do urge for this company to be investigated to the fullest extent of the law. There was not excuse for my insurance to be cancelled and I will not tolerate the attorney games that seem to be going on as they appear to be happening.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-13
Company: Bread Financial Holdings, Inc.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I informed the company when they called and told them Ive recently lost my job and havent gotten any monies yet. I do have credit protection insurance that I am in process with. The person said it wasnt but only {$52.00}. I again explained I was broke. I have been getting 15-20 calls per day starting at XXXX every two hours or less. This is harassment at best. Its Comemity bank and they are persistent and ruthless

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-07-20
Company: LendKey Technologies, Inc.
State: VA
Product: Debt collection
Sub-product: Private student loan debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I am the cosigner. The options given on previous page, don't cover my problem. I contacted Lendkey Default Prevention Department on XX/XX/XXXX regarding a private student loan that my daughter let lapse years ago, wanting to know how to get the loan up to date. On XX/XX/XXXX they responded that the loan was returned to the lender ( XXXX XXXX XXXX XXXX ), every since that day I have been given the run around between Lendkey and XXXX. Lendkey then emails me on XX/XX/XXXX stating that the loan is being transferred to XXXX XXXX on XX/XX/XXXX. I telephoned XXXX XXXX XX/XX/XXXX and was told that they do not have the account. Just last week I called XXXX again and was told they had received the account, but it was then recalled by Lendkey due to the fact that no payment had been made in years. Today, XX/XX/XXXX, Lendkey is again saying they sent the account to XXXX. 

I don't know what to do, this loan is affecting my ability to purchase a home because it is showing on my credit as late. Please, please help me. I haven't been able to find anything on line that mentions my situation and who to contact. 

The unprofessionalism is unreal, for a company that collects monies to lose or misplace an account is sad.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-05
Company: EQUIFAX, INC.
State: NV
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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched on how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report.

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$770.00} ; XXXX XXXX XXXX XXXX ( Original Creditor : XXXX AT XXXX XXXX XXXX XXXX XXXX Balance : {$6100.00} ; XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX ; According to FCRA Section 605B ( a ), the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
I have fraudulent accounts on my credit file and would like then removed. Providing you with identity theft report. I have already provided a police report.

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 2023-01-05
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
This is XXXX XXXX, and I appreciate you taking the time to CORRECT some of the information in my credit file ; however, there are still accounts that need to be UPDATED. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require the 3 Credit Bureaus to validate these accounts ( A ). I hope these disputed accounts will be updated or corrected immediately. 
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-07
Company: Navient Solutions, LLC.
State: OR
Product: Student loan
Sub-product: Private student loan
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I had a private loan with Navient ( recently moved it to XXXX ) for grad school in XXXX and XXXX. I filed for bankruptcy in XXXX of XXXX. I was told that my Navient loans wouldn't be a part of my bankruptcy and that I would have to continue to pay on them. I don't believe that this is the case, and have tried to rectify this for year. 
thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-17
Company: Experian Information Solutions Inc.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2022-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
I sent in multiple letters on XX/XX/2022 addressing these situations and you ignored my letters. However, I need these laws applied to my report or I will take legal action.

15 U.S code 1692 ( g ) validation of debt 15 U.S code 1692d harassment and abuse 15 U.S code 1692e False or misleading representations 15 U.S code 1692f-Unfair practices Under 15 U.S code 1692k civil liability

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 2023-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One received payment from my XXXX XXXX XXXX account in the amount of {$280.00} ; and {$500.00} on XX/XX/2023. 

I was then informed the payment would not post to my account until XX/XX/2023. I indicated this was unacceptable and had I known, I would have kept my money in my checking account as I needed funds for the holiday weekend. 

When I reached out to capital one to confirm payment/ascertain status- capital one determined I could expedite the waiting period if I stayed on the phone with their fraud representative ( Agent name : XXXX ), while he connected with XXXX to confirm the payment went through. 

40 Minutes later, we have confirmation from my bank XXXX XXXX, that yes I have paid the amount and it has gone through. Despite this, Capital One needed to clear this " internally. '' XXXX then begins the process of placing me on hold a number of times, trying to figure out what is wrong. 

XXXX then told me it had in fact processed ( check the phone logs ) and then doubles back and stated that in fact it hadn't and they simply could not figure out the internal mechanism holding up confirmation. 

He then informs me, though I am at work, If i get disconnected, they will not fund my payment/ make my credit available for another week because they can not " confirm my payment. '' However, if you have been following along, we had confirmed payment, XXXX minutes ago now. 

Despite this nice threat -- I was disconnected and decided I had to continue working my full time job. 
I called back two more times, to which capital one was aware of the situation but had no further substantive solutions. I ended the call, cordially. 

fast forward to XXXX. I received a letter from capital one telling me I have violated their terms of use, and they have closed my account. 

This badgering from a credit card company is beyond unacceptable. Not only is this company inept, they treat customers like XXXX. There inability to confirm payment processes for personal banking is negligent. Furthermore, tying up an individual 's funds because of the companies own ineptitude is wilfully negligent. 

I have noticed activity on my credit report as well. This company is predatory. 
If no accountability is taken here, I will file an actual lawsuit against this company. I look to the CFPB to intervene and protect consumer rights.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-11
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I sent disputed to XXXX, XXXX and Experian for inaccurate information reporting on my credit report. I listed the accounts and told them Of violations they were making to my consumer report. It has been now over 60 days and have failed to respond. I am attaching a Copy of all letters sent below. 

This company has violated FCRA 623 ( a ) b ) by failing to mark this disputed account as disputed 605 ( c ) running if the period has also been violated as the date of last activity on this account is reporting. When it should reflect the last date a payment was made. 

This company has continuously failed to validate this collection account further violating FDCPA 809b per the FTC opinion.

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 2018-02-13
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
XXXX XXXX XXXX has continually harassed me with debt calls they state that I owe them however I have never had a business relationship with this company. I called them and stated I would like them to send me proof of my debt to them and they never sent me any proof of any kind. They then sued me in the local XXXX XXXX XXXX XXXX XXXX. PA on XX/XX/17. I hired a third-party mediator to try to work with XXXX, first to prove the debt was valid and if so work out a resolution, but even they could not mediate a fair resolution because XXXX had no proof of validity on the debts owed. When my day in court finally came on XX/XX/17 I arrived to dispute the lawsuit ( after having to take the entire day off of work ) but XXXX nor any of their legal representatives even showed up. The XXXX Judge discharged the debt however XXXX filed an appeal and now has another lawsuit against me in the PA Court of Common Pleas. I simply can not believe this company can file a lawsuit and not show up for court and then file an appeal. I have lost time at work and wages due to these actions by XXXX, additionally I have been extremely stressed and risk losing my job due to their phone calls at my work and their harassing tactics. When talking to them on the phone they demanded a payment of any kind so the lawsuit could " go away ''. They are basically using scare tactics to extort money out of people. Unfortunately I landed in this situation because I am recently divorced and went through a very horrible separation and divorce and I do not know what to an exact degree what past debts are truly mine, my ex-wife 's, or both of ours combined and companies like XXXX are taking advantage of hard-working Americans like myself by using their attorneys and their power to try to bully people into paying them money in order to prevent being sued in their " shakedown '' lawsuits. After researching XXXX it appears this company buys bulk debts at rock-bottom low rates from down-on-their-luck people and then tries to go after them with these scare tactics, and despite being been found liable for illegal tactics in a multitude of class-action and other lawsuits they are still allowed to operate. The tactics that this company has used against me are despicable and are clear violations of abuse of process and consumer intimidation and I intend to file a federal lawsuit seeking damages.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-10-03
Company: Experian Information Solutions Inc.
State: MS
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:
I have sent several letters to XXXX, Experian and XXXX about being a victim of identity theft that continues to have ongoing problems. They have not removed the items on my report as requested on at least ( 3 ) occasions. I am a resident of MS and accounts have been opened in my name in both Alabama and Texas. I dont know what else to do. 

To make matters worst, there are also credit inquires in these states being made by this person which has caused my score to plummet. I placed a fraud alert ( protection ) on my account and still it isnt working. Please help. This is affecting my employment.

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 2019-01-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Creditor is reporting accounts that are invalid and unverified. XXXX, XXXX and XXXX  have investigated this account and they concluded the account was not matching my records of being assigned to me. I would like proof these accounts were disputed per FCRA/ FDCPA. This is causing me anguish and its slandering my good name. Please block this account from my report so I can breathe again.

Company response to consumer: Closed with explanation