BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-29
Company: Hillcrest Davidson & Associates
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XX/XX/2017 my husband passed away. After he passed away there were multiple break-ins into my home. During one of the break-ins I was assaulted. XXXX security was running a special {$42.00} a month for one year and I get a free key pad. The representative came to XXXX XXXX XXXX XXXX XXXX XXXX to install the alarm system but he didnt have the contract with him. I was informed that I would receive one via mail. I signed an e-pad stating that I received the installation. The alarm system didnt deter the intruders. I moved out of my home with my daughter due to safety concerns. I continued to pay the monthly bill although I hadnt occupied the home. I sold my home 7months later after the home sat dormant without break-ins. I still continued to pay the XXXX bill although the home no longer belonged to me. I called ADT on multiple occasions to discuss the situation concerning lack of safety in the home, the fact that I was not occupying the home, I attempted to work out something fair to both parties. I was met with rude representatives. I was bounced around from rep. to rep. with no resolution offered. XXXX sent what I believed to be a one year contract to a debt collector as a {$1500.00} debt. I called and spoke with a supervisor named XXXX. He refused to explain how the debt was calculated. He was very rude towards me and told me that he didnt have to speak to me. This excessive debt was placed on my credit report creating financial hardship and false depiction of me as a consumer. How can I resolve a situation in which the debtor is refusing to provide info about the debt and refusing to be fair concerning the nature of the debt? Could you please mediate this situation for resolution?

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Every year around tax refund time this company starts calling trying to collect a debt from over 15 years ago that is not my debt. They are now calling for $ 700+ owed to Capital One for an account that is not nor has never been mine. 
Date started calling this year : XX/XX/2020 Time : XXXX cst Phone number called from : XXXX I stated this is not my debt and I do not owe to Capital One. I said I track all my accounts carefully and monitor my credit report weekly. Please do not call me again.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-27
Company: CITIBANK, N.A.
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
1. XX/XX/XXXX : a ] {$130.00} was automatically withdrawn from my Citibank account # ending in XXXX by XXXX. 
b ] I am not nor have i ever been a XXXX  customer. XXXX  confirms this. 

2. On or about XX/XX/XXXX a ] I filed a dispute with Citibank ( issue # XXXX ). 
b ] My debit card was cancelled and a new one issued. 
c ] I requested Citibank block XXXX  from accessing my account. 

3. XX/XX/XXXX I received a credit of {$130.00} to my account. 

4. Sometime between XX/XX/XXXX and XX/XX/XXXX : Citibank gave XXXX my new debit card # 5. XX/XX/XXXX XXXX withdrew {$270.00} using my new debit card number. 

6. XX/XX/XXXX I filed a dispute with Citibank XXXX issue # XXXX ) 7. XX/XX/XXXX a ] claim still hadnt been resolved b ] Received a letter from Citibank requesting information that was not relevant to my claim ( such as was the merchandise damaged? Did I have a receipt for my purchase, etc. 
c ] Called Citibank again who reopened the claim. 
d ] Filed a dispute with XXXX  ( issue # XXXX XXXX 8. XX/XX/XXXX a ] followed up with Citibank who opened another claim ( # XXXX ) with their fraud department 9.  XX/XX/XXXX Received a letter from Citibank rejecting my claim # XXXX due to the amount of time that has passed since this charge was first billed. 

10. XX/XX/XXXX a ] Contacted Citibank again. Was advised to appeal in writing. Given sub case # XXXX. 
b ] lost faith in XXXX effort to replace money they erroneously deducted from my acct on XX/XX/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 explanation
Consumer complaint received 2018-07-10
Company: Experian Information Solutions Inc.
State: FL
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:
TODAYS DATE:XXXX XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX. XXXX XXXX XXXX XXXX, GA XXXX Experian Dispute Department XXXX. XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX, XXXX. XXXX XXXX XXXX, PA XXXX XXXX. 


I recently submitted a request for investigation of an Acct Number : XXXXXXXX XXXXXXXX XXXX XXXX XXXX-XXXX XXXX XXXX   XXXX  Ive submitted enough information regarding the fraudulent account thats open in my name I have provided information for your company to have carried out a reasonable investigation of this dispute. If you had investigated properly rather then using your XXXX system you would have noticed that this account is not mine which your companies have claimed to Verified. Since youve obviously neglected to investigate this account thoroughly I am demanding you remove this account off my profile. It is at this time that I will point out the in XXXX XXXX XXXX, XXXX XXXX XXXX ( Experian ), and XXXX XXXX XXXX, XXXX et, the courts ruled each and every time that the CRA couldnt merely Parrot information from the creditors and collection agencies that they have conduct an independent REASONABLE investigation to ensure the validity of the debt and honesty/integrity of the creditors/CA in question. Sending out a generic form through the XXXX system that doesnt even contain my reasons for the dispute is not reasonable. 

If you dont initiate an investigation regarding my dispute, as it is my right under the Fair Credit Reporting Act, I will have to take legal action to protect my credit rating and myself. Which Im sure you are aware each violation of the Fair Credit Reporting Act allows damages of {$1000.00} should this matter ends up in court. 
I look forward to an expedite resolution of this matter Thank you. 




XXXX, XXXX SOC SEC # XXXX DOB XX/XX/XXXX CURRENT ADDRESS XXXX XXXX XXXX, XXXX, FL 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 2019-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
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 customer service

Complaint:
Earlier this year I requested a replacement card as mine was worn and coming apart. Capital One sent a replacement card, but it was identical to my current card ( account number, expiration, cvv ) and active while in the mail. The card even had a sticker that stated the card is active and you do not need to do anything. Although convenient this is very lax in security to mail an active card out. A few weeks ago I logged onto the mobile app and when I touched the button to go into the account it said my card was activated. After digging a little deeper I see that a new card was sent for the one I requested earlier this year as it is expiring. I sent an email to the CEO advising that I was not happy with their security measures as with the data breach that occurred, mailing active cards in the mail to customers and now the mobile app activating cards I have not received as the button is overlaid on the account when you login that they should review. I also called on XX/XX/2019 and spoke to XXXX to see when the new card was mailed and told it went out on XX/XX/2019. After waiting a few days and not receiving I called on XXXX and spoke with XXXX and was told the card was " processed '' on XX/XX/2019. It was unclear what " processed '' meant. After the call I received an automated email from Capital One stating my card is going to expire and a new card was sent to replace it that I would receive by XX/XX/2019. It would appear that the agents on the phone do not have a clue what is going on. On XX/XX/2019 I received a call from the Presidential/Executive Correspondence group in relation to my email and spoke with XXXX. The agent was very rude and had a horrible attitude. I was basically told that the reason the button to activate the card was overlaid on the account button was because of the display settings of my phone. Which is XXXX as I am very tech savvy and have used this app forever and never changed anything on the app or my phone. After calling the agent on her attitude she said she would respond in writing. Maybe that response will be attitude free. I did not ask them for anything ( compensation or otherwise ). I simply advised them that as a customer I am very displeased with their focus on customer account security. Also maybe they should find better representatives for the Presidential units. Given that I work for a large financial institution in compliance and have for 20 years I know what good customer service looks like and what security should look like. Capital One has exhibited neither. I also understand that the Presidential/Executive Correspondence Groups in the bank are set up to respond to inquires made to top executives and from regulators, but are made up of low level staff that have little or no authority to really do anything other than respond.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-21
Company: EQUIFAX, INC.
State: MO
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:
Purchased a new XXXX truck around XXXX of XXXX. Truck was totaled in auto accident XXXX of XXXX. XXXX XXXX received money from insurance company and released vehicle. A small balance was left but no statement was sent to inform me of the balance. 90 days passed before I was made aware and XXXX XXXX had flagged my acct as 90 days past due. I immediately paid the balance in full. I have disputed this numerous times and spent countless hours on phone with XXXX explaining the issue to no avail. The acct also continued to show {$0.00} past due after balance was paid in full. Please have the XXXX accounts removed from my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-08
Company: Coinbase, Inc.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Money was not available when promised

Complaint:
On XX/XX/2017 at XXXX XXXX, I gave Coinbase {$350.00} for one Etherium, a cryptocurrency. Apparently the expiration date on my credit card was incorrect, and I was not charged the total amount. Their service stated I still owed a {$47.00} fee. What followed over the next 8 months was a saga of me trying desperately to pay this stupid fee with every way I could ... Credit, debit, ACH, friends transferring crypto. I had several support tickets, and followed every instruction. Nothing worked. For a few months, their website said that I " still owed a fee of {$0.00} '', which was especially frustrating. A few weeks ago, I was finally able to successfully pay the fee and use the service again. However, they still haven't returned my 1 ETH, valued today at XXXX {$800.00}. Please help! They took my money and are not giving me the asset I paid for! 

My current support ticket with them is # XXXX, which I opened several weeks ago. They have not replied to my multiple requests for help.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: EQUIFAX, INC.
State: OH
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 had XXXX since XXXX and was in the hospital on XXXX XXXX until mid XXXX. By the grace of XXXX  I survived. In the mean time, my husband was trying to contact my creditors to let them know. He did not have my SS # or accounts numbers, only my name, DOB which is XXXX and Ph #. XXXX my account ends in XXXX was one of the few creditors that would not even talk to him because he was not authorized on the account. My husband said, they would not even look up an account because he told them he had little info and was not on the account. I finally was able to call XXXX Last Friday XX/XX/20. I spoke with a Supervior after getting the run around that XXXX stopped offer help to COVID impacted people on XX/XX/20. The supervisor understood what occurred and waived two late fees and told me if I pid {$39.00}. He took my payment of {$39.00} by phone! My account still shows {$100.00} past due! I WOULD NOT BE REPORTED AS PAST DUE TO THE CREDIT BUREAUS!!! Well guess what. I get a notice today I was reported as past due!! They need to fix my credit reporting ASAP!!! It is not my fault they would not talk to my husband and give me help on my account when he clearly called before they stopped offering help while I was on XXXX XXXX!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-23
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
On XX/XX/19 some person opened a savings and checking account using my name, address and social number. 
On XX/XX/19 I was made aware of the account when I received mail from the bank. 
I saw the TD bank manager and made a police report. 
I was told the bank account would be frozen immediately and I would be advised in 30 days as to what happened. 
I have since seen a second bank manager and there is still not end to this. 
Still today I receive bank statements and notices of activity and charges I am liable for.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: OH
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 had XXXX since XXXX and was in the hospital on XXXX XXXX until mid XXXX. By the grace of XXXX  I survived. In the mean time, my husband was trying to contact my creditors to let them know. He did not have my SS # or accounts numbers, only my name, DOB which is XXXX and Ph #. XXXX my account ends in XXXX was one of the few creditors that would not even talk to him because he was not authorized on the account. My husband said, they would not even look up an account because he told them he had little info and was not on the account. I finally was able to call XXXX Last Friday XX/XX/20. I spoke with a Supervior after getting the run around that XXXX stopped offer help to COVID impacted people on XX/XX/20. The supervisor understood what occurred and waived two late fees and told me if I pid {$39.00}. He took my payment of {$39.00} by phone! My account still shows {$100.00} past due! I WOULD NOT BE REPORTED AS PAST DUE TO THE CREDIT BUREAUS!!! Well guess what. I get a notice today I was reported as past due!! They need to fix my credit reporting ASAP!!! It is not my fault they would not talk to my husband and give me help on my account when he clearly called before they stopped offering help while I was on 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 explanation
Consumer complaint received 2020-08-28
Company: EQUIFAX, INC.
State: MS
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:
On XXXX I sent a letter regarding inaccurate and unknown things on my credit report. To this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ), it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items from my credit report it has been over 60 days so they should deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me. My information was also impacted by the Equifax data breach and may have  got into the hands of the wrong person.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NM
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
In XXXX I payed my statement balance on XXXX which was normal and no problems at that time then on XXXX I payed the balance again because I was going out of town and wanted to stay ahead of the game. Later on in the month of XX/XX/XXXX my card was declined so I call Capitol One to inquire as to why the charges would not go through well after an hour of XXXX about fraud they said my card payment was past due so I explained how I had payed the balance twice in XX/XX/XXXX and that it was a 30 day revolving card. Well come to find out my statement had not cycled until XX/XX/XXXX and there were a total changes of XXXX that had come through on the XX/XX/XXXX so my account was past due. I have been a customer for 17 years and have always payed my bill on time. They charged me XXXX in intrest on XXXX and the account should have never been classified as past due! This is hwy robbery and poor business practice at the very least all attempts to resolve have failed the people I talked to have such heavy accents they were very difficult to understand as well. I will be shutting down my card as soon as i can use my XXXX points. 
Given the fact this Bank is responsible for the largest data breach ever it is apparent that they are crooks as well.It is time large banks such as Capitol One be held responsible for there poor business practices and I hope this complaint starts the process. This is totally unbelievable. Thank You XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-01-06
Company: Experian Information Solutions Inc.
State: FL
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 m disappointed! I dont know how to delete it from my name I was checking my credit report and these accounts still on. Just pulled update of my credit report and I dont see any changes. I already sent few rounds of dispute about them. I believe that someone have my personal information.

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 2018-09-17
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
Today i called XXXX XXXX XXXX to see what my new monthly rate would be on the income based payment program. I was told months ago before i could reapply for this i had to make 3 consecutive monthly payments of {$170.00}. I made the 3 payments and submitted my paperwork for the application on XX/XX/XXXX. When i called a few days ago they told me that i should know something by the XXXX because my application is still processing. Today they told me that they would not be able let me get on the program because i did not make my payments on time. I said my payments were accepted and i asked were my payments considered late each and every payment. In fact, when i called back in XX/XX/XXXX of this year, the gentelman on the phone told me i actually paid my payments weeks in advance and i did not have a payment due XX/XX/XXXX. My previous payment covered my payments and i am in good standing nowhere near late. I was told 3 seperate peices of information. I was told my payments were never late, i am in fact qualified for the repayment plan and i was most recently told today XX/XX/XXXX that my payments i made of {$170.00} did not count because i didnt make them on time. Im extremely angry with XXXX XXXX XXXX with giving me false informatiom each time i called. In the past week i have called XXXX XXXX XXXX to check on my processing 4 times. This is extremely stressful and frustrating for me and i need this resolved immediately.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-18
Company: NPAS, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I received a billing statement from NPAS , Inc . 
XXXX XXXX XXXX, KY XXXX asking me to pay for {$2700.00}. The billing offers the chance to call them to get " A detailed itemization of this statement is available upon request by calling XXXX ''. 
I called them to get a copy in XX/XX/2019. They didn't send me. Then they sent a statement again in XXXX. I had to pay on XX/XX/2019 to avoid any possible penalty. Then I called them again ask for the detailed itemization on XX/XX/2019. They told me they would express mail out this time. I still didn't receive it by XX/XX/2019. I called them 3rd time today XX/XX/2019. This time they told they will NOT send it to me anymore since I paid them already. What a surprise. 

I still don't know what I paid for, and what their business is about. No company address was shown on the statement.

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 2020-08-28
Company: Experian Information Solutions Inc.
State: NY
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 am contacting you about the compromising of my social security number. I am a victim of Identity Theft. I contacted the Federal Trade Commission and filed a complaint # XXXX .Please block and remove all information from my credit report, and send me an updated copy of my credit 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 explanation