BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-02-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hi, I recently paid my credit card payment with capital one XXXX XXXX thru auto pay. My auto pay payment was posted for {$35.00} and to my understanding, I didn't needed it to worry about my payment until the following month. To my surprise, two days later I received an email stating I was late on my payment and that I needed to pay an extra {$2.00}. 
I did end out paying the extra {$2.00} but, I later found out I received a {$25.00} late fee. I contacted customer service and she explained how the system fluctuate on a monthly basis, and that my payment was supposed to be {$37.00}. 
She later explained for future reference, she could increase the minimum payment on my auto pay but, she couldn't not issue a credit. I asked to talk to a supervisor and I went over my case to him. He listened a mere 30 seconds to my complaint and transfer me to another agent with the claims department. He went on to said the same thing the first agent said to me. At that point, I felt I was not going to get a fair resolution regarding my late fee charge. 
My questions are : Why Capital One allow in their system to set a minimum payment if the amount fluctuate on a monthly basis. 
If auto pay is set for an account, why the system doesn't adjust the payment accordingly. 
There was no notification stating minimum payment was {$37.00}. 
Auto pay is supposed to be a tool to avoid late charges and remind payment for those that have a busy life. 
No empowerment to make sense of what's right to consumers and realize of the situation. ( No agent or supervisor explained clearly of why I was being charged ) How many cases like mine are being processed and consumers being charged for this loophole in the system. 
This is a complete rip off from a so called respected financial institution.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-09-14
Company: Experian Information Solutions Inc.
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
In XX/XX/2018I disputed an inaccurate account with EXPERIAN. In XX/XX/2018EXPERIAN responded back saying the account was verified. The account showing inaccurate information is XXXX XXXX XXXX account # XXXX and XXXX XXXX XXXX account # XXXX I received a copy of a statement from XXXX XXXX XXXX on the Account ending in # XXXX and # XXXX and both statements are showing an address not associated with XXXX XXXX XXXX. I have enclosed the copies of both statements on the account showing the address not associated with XXXX XXXX XXXX  the address showing on the original creditor statement is XXXX XXXX XXXX XXXX XXXX XXXX XXXX AR XXXX. I XXXX XXXX   address is XXXX XXXX XXXX XXXX XXXX XXXX  AR XXXX. Please remove this inaccurate account or i will file a suit. All credit bureaus are supposed to report 100 % accurate information. All credit bureaus are supposed to conduct a reasonable investigation. This is not a reasonable investigation as for your company would have caught that the address on the account ending with XXXX   and XXXX  is showing XXXX XXXX XXXX XXXX XXXX XXXX XXXX, AR XXXX. I received a copy of the statement from the creditor and the address is listed with an unknown address, please remove these account from my credit file. I have enclosed copies of the statement from the original creditor thats reporting on 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
Consumer complaint received 2018-09-14
Company: Navient Solutions, LLC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
I called Navient earlier this month requesting a deferment on my loans for a few months, because I am willing, but currently unable to keep up with student loan payments. The customer service agent informed me that she could defer my loans for me until XX/XX/XXXX without penalties ( besides interest that might accrue ), and that deferring my loans WOULD NOT have a negative impact on my credit score. I got an update from the credit bureaus XXXX and XXXX on Monday, XX/XX/XXXX that my credit score had dropped XXXX points. I opened my credit reports to notice that my Navient student loan status had been updated to " deferred ', which did in fact negatively impact my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-14
Company: Fidelity National Information Services, Inc. (FNIS)
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: Account status incorrect

Complaint:
I applied for a bank account with XXXX  on XXXX XXXX and was declined stating there were discrepancies on my XXXX   report. I knew that had to be an error because i filed for bankruptcy and every creditor was ordered by the judge to CEASE AND DESIST. I filed chapter XXXX bankruptcy with case XXXX  FL on XX/XX/17 and the case was discharged in XX/XX/2017. However, XXXX XXXX  is STILL REPORTING EVEN AFTER MY BANKRUPTCY. Each creditor is subject to up to {$1000.00} fine for violation of fair credit reporting act. Chapter XXXX   bankruptcy discharges all debt!

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 2018-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Capital One and I have continued to have a tumultuous relationship. I have only had 1 credit card with them. Due to personal reasons, I was unable to pay the balance. However, I still paid them the balance, but they continue to send me notices from other debt collection companies stating I owe them for a card that I 1 ) do not have, 2 ) paid off in XX/XX/XXXX, and 3 ) was never actually supposed to pay due to XXXX XXXX XXXX and unemployment. 

Their negligence and inability to provide proper service hindered my ability to return to XXXX XXXX in a timely manner, prevented me from securing housing at a pivotal time in my personal and business career, and to date, they have refused to acknowledge their faults. 

Additionally, they are not working against me with XXXX XXXX and XXXX   XXXX XXXX and XXXX as well as another auto dealer in XXXX XXXX XXXX. These 4 actors are, to this day, refusing to take credit for their negligent and fraudulent acts that have kept me from securing personal loans, a business vehicle, and other necessities required to get my personal and business life on track. I refuse to pay, or be the victim of sedition and libel for mistakes of agents that are unethical. 

The issues with my credit on the auto side originated at the XXXX XXXX branch. I met with a business banker and explained my ENTIRE business plan, and she, while kind, led me to believe that by doing a " soft '' credit check, there would be no hits to my credit by checking on a business vehicle. The actor following that transaction was XXXX " XXXX '' at XXXX XXXX. He promised he would not use my credit and only use the information on the form from Capital One. However, once I arrived at the dealership, nothing could be further from the truth. These two companies, and these two actors, in conjunction with one another, are the reason I don't trust banks, auto dealers, and based on how hard XX/XX/XXXX has been, the auto industry in general.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
My name is XXXX XXXX, I have been receiving alerts that credit inquiries have been showing up on my credit report which I did not authorize. I believe that I am a victim of identify theft. The following has not been authorized on my XXXX Account : XXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXXXXXX XXXX -XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX -XX/XX/XXXX, XX/XX/XXXX XX/XX/XXXXXXXX XXXX - XX/XX/XXXX, XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX XXXX XXXX - XX/XX/XXXXXXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX XXXX - XX/XX/XXXX XX/XX/XXXXThe Following was not authorized on my Equifax or XXXX account.
XXXX XXXX - XX/XX/XXXX XXXX -XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX XXXX - XX/XX/XXXX XXXX - XX/XX/XXXX XXXX XXXX - XX/XX/XXXXXXXX XXXX - XX/XX/XXXXXXXX XXXX XXXX - XX/XX/XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Rocket Mortgage, LLC
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Closing on a mortgage

Complaint:
My mom was doing a refinance on her house with a va rider and I signed attorney in fact on loan on XX/XX/2015 then the next day XX/XX/2015 I canceled the refinance quicken loans accepted the cancellation and so did the va loans in Az well my mom passed away next thing I know I get a payment statement in mail I call quicken loans and told them the refinance was canceled on XX/XX/2015 I was still within the three day cancel period. 
They tell me Im liable for loan cause I signed attorney in fact. They tell me well since we know your mother is deceased we will transfer grant deed to your name. So they told me this in XX/XX/2015 they didnt keep there word they foreclosed on the house after I had paid payments

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-05
Company: Ditech Financial LLC
State: WV
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
in XX/XX/XXXX my husband took a loan out for a double wide wish was XXXX XXXX dollars at the time he had been ill and had received XXXX after working in XXXX XXXX for 19 years was told he couldn't take insurance out,,, he passed in XX/XX/XXXX I thought it was a 20 year long come to find out its a 30 year loan he was taken advantage of and ive been paying it every since they act like they was going to change it to 20 never did a [ n the mean time they chaged to ditech is there anything I can do concerning this matter

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: DISCOVER BANK
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
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 disputed this account and have reached out to the company/creditors MANY times but failed. This account is being reported inaccurately and incorrectly on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-31
Company: Santander Consumer USA Holdings Inc.
State: OK
Product: Debt collection
Sub-product: Auto debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
The debt collector Santander Consumer originally opened the debt collection on XX/XX/XXXX for  the amount of {$12000.00}. I don't recall being contacted by Santander in an attempt to set up a payment plan or explain what this debt was for. On XX/XX/XXXX this debt was given to another company by the name of XXXX XXXX XXXX, I was not informed of this change and I have never spoke with anyone from XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-30
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
XX/XX/XXXX XXXX credit card application denied. Credit score reported by Experian XXXX. Current credit score per Experian credit score XXXX. 

XX/XX/XXXX Contacted Experian for more information regarding discrepancy. XXXX with Supervisor XXXX whom provided reference number for call : XXXX. XXXX stated that i could only get credit score if I paid for the score. She also stated that the FICO XXXX score is what is used for credit applications and was unable to tell me what model was used that calculated the XXXX score. She refused to put me in contact with her supervisor, 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 2018-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: You never received your bill or did not know a payment was due

Complaint:
I was shocked when reviewing my credit report and found late payments on the dates below : 30 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 60 days late as of XX/XX/XXXX 90 days late as of XX/XX/XXXX 90 days late as of XX/XX/2018 I am not sure how this happened. I believe I made my payments to you when I received my statements. My only thought is that my statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: BARCLAYS BANK DELAWARE
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX MN XXXX SSN XXXX DOB XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX I 'm writing this complaint to asked you to please remove a credit inquiry that was Pulled on my XXXX credit file on XX/XX/17 For a XXXX Credit card. I was approved for the card! but however your website DOES NOT state that each team have a master or Visa card assigned to each Team in my case I 'm a XXXX XXXX XXXX Fan and that team has a master card logo per your rep at Barclaycard. therefore I did n't not get the team logo of my choice that would be like someone at Barclaycard coming to work with a XXXX XXXX XXXX t shirt on that would n't go over so well! I was approved for visa. I will not carry another teams card around IN WHICH The card that I canceled would have did me no good also I will not allow another hard inquiry on my credit file which I hope you will understand Therefore it would n't have did me any good. You need to update your website and make it clear for Customers who is applying for XXXX  cards. I Immediatley canceled the account Ending in XXXX myself that I was approved for and I asked you to please Immediatly remove the hard credit inquiry from my credit XXXX report file thank you for your speedy and full cooperation Thank you XXXX 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 2019-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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 went look at my credit and there are still somethings on there that are not mine. I'm trying to get back in school and this is really holding me up. I saw on some billboard in my building from this attorney guy that you guys can help finally resolve this. Im doing this on my own behalf and I have contacted the police and FTC. XXXX/XXXX XXXX. XXXX/XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX and XXXX and there is another account as well that does not have a name. The account- # XXXX. There are also some inquiries that are not mine XXXX, XXXX and 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 2021-06-25
Company: EVERBANK, NATIONAL ASSOCIATION
State: DE
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I had a mortgage in XXXX with TIAA XXXX. The loan was transferred in XX/XX/XXXX to XXXX. In XX/XX/XXXX the company said I had to pay an additional {$100.00} because my escrow was too low because they had an additional sewer tax that was not included in the initial escrow calculation. I paid the additional amount for the mortgage that month and saw that my escrow had increased {$31.00} per month due to the sewer tax. At the time, I was dealing with a death in the family and did not research the sewer tax. 
When I received my new sewer tax in XX/XX/XXXX I called them and asked if they were paying this. They said yes. In XX/XX/XXXX XXXX XXXX sent a letter to me saying I was in arrears for the sewer tax. It was never paid. I paid the sewer tax for XXXX. When I paid it, I noticed that I had paid the sewer tax in XXXX as well. The bank never paid a sewer tax on my house ever, yet they increased my monthly escrow amount and made me pay an additional {$100.00}. 
When I called them on XX/XX/XXXX and asked for a review of the escrow account to remove the sewer tax in the calculation, it was denied because of my loan to value ratio, which has nothing to do with the sewer tax. They claim they sent me a letter indicating this but I have never received a letter from XXXX about my escrow account. I did not learn about the denial until I called them today, XX/XX/XXXX. 
In addition to this error they had another error as well in my escrow account online indicating my previous escrow amount was {$550.00}. It was not. It was {$410.00}. According to the customer service rep, that was because they were adding the {$410.00} and the {$100.00} that I paid ONCE, and used that as my old escrow amount. When I pointed out the error I got a laugh. 
I don't find the errors in my escrow account funny. This is not the first time a bank has not been able to add correctly for escrow. Seems to be an industry thing that they steal from people who are unaware that banks can't add.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: Hampton & Hampton Collections LLC
State: MA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My  Homeowner Association for a  rental property in  XXXX   XXXX  changed  XXXX   XXXX . I had automatic payment for the  HOA f ee, but the automatic payment did not get set up with the new association resulting missed payment from  XXXX   XXXX  forward to present.     The association contacted a collections agency to collect the debt from me and sent a letter to me on  XXXX   XXXX ,  XXXX . I was not aware of this incident until this collection letter. The amount owed is {$400.00} and {$50.00} in late fees from the association for a total of {$450.00}. The collections company is asking for {$910.00}, when the amount I owe is {$450.00}.     This amount is grossly marked up. This is more than double than the original amount owed and is unfair and unreasonable.     From what I understand from t  he Fair Debt Collections Practice states they can not collect more than the amount owed.
Please help.

Company response to consumer: Untimely response
Consumer complaint received 2017-06-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Requested validation of  XXXX   XXXX  debt, but the credit bureaus keep " verifying ''. I requested information, documentation, contracts, signed agreements for the debts that are being reporting a negative on my credit profile.      1st  request sent certified mail  XXXX / XXXX /   17  ; response was " ve rified '' 2nd req uest sent certified mail  XXXX / XXXX / 17  ; response was " verified '' Credit bureaus have not provided documentation on unverified negative records in my credit profile :  XXXX  These items remain on my credit report in violation   of Federal Law.
* Under the FCRA the credit bureau should provide me a copy of the original credito  rs documentation to verify if this information is mine and is correct.   * These negative records are also listed on my report as duplicate record s (   XXXX  times ) cause a significant impact on my credit profile and score ; resulting in credit denial and I am unable to refinance my home to favorable terms.

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 2018-11-05
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem making or receiving payments

Complaint:
I deposited a XXXX XXXX cashier 's check for {$17000.00} at my XXXX, MD Bank of America branch on XX/XX/2018. I deposited it at the drive up ATM because this bank has permanently closed it 's drive thru window. My receipt acknowledged the deposit and had no notification of any type of " hold ''. I also checked my account on XX/XX/2018 and it verified my deposit with an available balance of {$17000.00}. On XX/XX/2018 I wrote a check for {$4700.00} to pay county property taxes. Then, without warning or notification, on XX/XX/XXXX, Bank of America placed a " hold '' on my check until XX/XX/2018. Now, I have been embarrassed with a returned check and will be charged a penalty fee by the county ; and to add insult to injury, charged a {$35.00} returned check fee by Bank of America. I called BOA customer service department XX/XX/XXXX and spoke to XXXX and her manager, XXXX to no avail. They told me that they or no one in their company could remove the hold. I know it doesn't take 10 days to verify clearance of a bank cashier 's check ; totally outrageous!

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