BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
I have been affected financially by the Coronavirus pandemic in terms of my employment. My hours have been reduced to part-time. I have called Capital One numerous times with one time being on XX/XX/2020 at XXXX to discuss my options and to request to have the late fees applied to my account for the year 2020 reversed. Capital One has applied late fees to my account every month even after I made a payment. But because the payment I made did not cover the minimum amount due, I was assessed a late fee of {$38.00}. I have contacted Capital One several times requesting financial assistance and I keep getting the same response as below. 

I was transferred to a supervisor after the first Customer Service Representative was unable to help me. 

Once I was connected to a supervisor, I explained my financial hardship situation and asked to have the late fees reversed. The supervisor advised me that Capital One could not reverse any late fees on my account because one was already reversed for the month of XXXX and the decision to deny my request could not be overridden because the decision is a " System Generated '' decision.

I asked if I could be transferred to the Customer Retention Department and the supervisor told me that Capital One does not have a Customer Retention Department and that I was speaking with a representative in the highest department that can make account changes. 

I asked for the name and email address of the Chief Executive Officer for Capital One and the supervisor told me she could not give me that information and suggested I go online to dispute any charges on my account and that I could find information for the CEO of Capital One online. 

After disconnecting the call, I logged onto my account online and clicked on the " Learn More '' jumplink for " Help during the COVID-19 virus situation. However, the only " Help '' options displayed were help making a payment or activating a credit card/account. 

I have spent countless hours trying to find options for disputing charges and fees applied to my account, and the only online assistance provided is for Making Payments, Activating Credit Cards/Accounts, or to Call Customer Service which has gotten me nowhere! 

I have printed and prepared a form for disputing charges applied to my account and will mail it, however, I am not optimistic that I will receive a response in a timely manner or if ever! I would like to know my legal rights in a situation like this where a financial institution refuses to provide assistance as advertised and what my options are for receiving REAL financial assistance due to my financial hardship due to the virus pandemic. 

Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-06-23
Company: Automatic Data Processing, Inc.
State: WI
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble using the card to pay a bill

Complaint:
I have had my ADP/XXXX  Payroll Debit Card since XX/XX/XXXX. This past Saturday, XX/XX/XXXX, I attempt to use my card for services rendered at my vets office only to be told it didnt work. I knew I had an available balance of XXXX. I went to the local ATM to withdraw the cash to return to pay my bill to be told by the ATM, my card had been deactivated! With 21 million people out of work, 21 million people plus struggling to get by, XXXX/ADP/XXXX  puts a hold on my card aka MY MONEY, aka MY PAYROLL Direct Deposit Card until I prove to them I am who I say I am after nearly 2 years of transactions. When I called Monday XX/XX/XXXX, to find out what the problem was and I was told to submit umteen pieces of identification so they could be sure I was the owner of the card. Oh and by the way, this process will take 1-6 days according to them. In the meantime I HAVE NO MONEY! This Friday is payday again! another direct deposit and I HAVE NO MONEY and NO ACTIVE CARD. I have XXXX small children to feed, this company has NO right to just step in an deactivate my account - If my card had been stolen, or misused, I would have been the first to call. I am adult enough to figure that out! MOREOVER, I have an OFF/ON button in my app enabling me to turn my card off from being used if I need to. They have NO business arbitrarily doing what they did as a result! This action is simply egregious - Holding MY ONLY INCOME, then expecting me to upload serious documents over the internet that shouldnt be uploaded to ANYONE, so they can then spend the next week determining if it is in fact ME, the owner! This is inexcusable! I want my card reactivated IMMEDIATELY - Release MY money - I have bills to pay! I have children to feed! This company has some nerve pulling this given the state of this economy and nation! I will take this as far as I have to. This has simply gone too far. I WANT MY CARD REACTIVATED IMMEDIATELY!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Experian Information Solutions Inc.
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 status incorrect

Complaint:
XXXX XXXX account # XXXX was opened in XX/XX/XXXX. My monthly payment amount was {$100.00}. I paid all amounts on time and paid the account off on XX/XX/XXXX in the amount of {$260.00}. The credit report shows the account as a Charge off and the it was Reaffirmed in Bankruptcy. The notes are : Payment history guide Charge Off as of XX/XX/XXXX to XX/XX/XXXX 30 days past due as of XX/XX/XXXX Paying debt previously in Bankruptcy on XX/XX/XXXX This account was never included in bankruptcy and wax paid on time and closed. I contact the company and the Customer Service rep agreed that the data was incorrect. They were unable to correct it however.

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 2018-12-10
Company: American Credit Acceptance, LLC
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
In XX/XX/2018, I called American Credit Acceptance concerning a late fee and to ask to change my due date. The conversation did not go well. After my call, they stop sending me my monthly statement showing how my payments were being applied. I sent them an email XX/XX/2018, stating that I had not received my monthly statements since XX/XX/2018. And, that I could not view how my payments were being applied on their website.

XXXX XXXX   <XXXX>, responded on XX/XX/2018 with an attachment that I could not access because it was time sensitive. As of today, I can see the dates that all payments have been received ; I just don't know whether the principal and interests amounts have been applied appropriately. As of today, I have a balance amount due of {$1300.00}

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 2018-04-23
Company: The CBE Group, Inc.
State: VA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I received a letter from CBE Group last month ( XX/XX/XXXX ) that said an unpaid XXXX account had been referred to CBE Group for collection and that I owed more than {$450.00}. 

I do not have an XXXX account. Concerned about fraud, I called XXXX for more information and they confirmed I did not have an account and therefore, said it was impossible for XXXX to have forwarded any information to a collections agency. 

I then called CBE Group. They began the call with a " confirmation '' in which they read my address aloud for me to confirm even though I did not give personal information on the call -- not even my name. I don't know how the repesentative knew to pull up my address of why they had it on file. 

I informed a representative that I did not have an XXXX account. She then proceeded to tell me the name/handle associated with the XXXX account, the email address associated with the account and the items purchased on the XXXX account that led to the unpaid balance -- I'd never heard of any of them. 

The representative said they would include this information in their file and CBE Group would " investigate '' and then reach out to XXXX to confirm that this information was true. She said if XXXX confirmed this information, then CBE Group would send a letter back to me to confirm I no longer owned a debt. 

This was not the first time I'd received a letter from CBE Group. The first time I received a letter was a few months earlier but my attorney told me it was a scam so I did not respond. However, after that, I received at least one call from the company. Then I received the second letter ( in XX/XX/XXXX ), which said that if I did not respond in 30 days, that the debt collection agency would assume the debt is valid.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-10
Company: TOYOTA MOTOR CREDIT CORPORATION
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
I have account being reported from Toyota Motor Credit ( XXXX ... ) This account has been reporting on my credit file for longer than 7 years.

the date of 1st delinquency was XX/XX/2010 according to XXXX  & XXXX  XXXX has no data reported for XX/XX/2010 I know this account should have been deleted from my credit file last year - its been over 7 years attached is the credit reports from all 3 bureaus to show the dates of 1st late default

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-06
Company: Nelnet, 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:
I'm XXXX XXXX I sent them information from my dr XXXX sealed and they refusing. To honor the dr .s decision

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: EQUIFAX, INC.
State: LA
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:
The FCRA says you have a duty to investigate. The 11th Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency XXXX CRA XXXX counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The 11th Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX XXXX  XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! SECURITY XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXNACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATEL! XXXXA VIOLATION! REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY! XXXXA VIOLATION REMOVE IMMEDIATELY!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-06-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
I had my online account broken into and someone tried to deposit checks in my account and my ssn was reported back to check systems for a matter that wasnt my fault

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 2019-06-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: LA
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:
The FCRA says you have a duty to investigate. The XXXX Circuit has clarified that the Fair Credit Reporting Act ( FCRA ) requires furnishers of credit informationlike their credit reporting agency ( CRA ) counterpartsto conduct " reasonable '' investigations of consumer disputes. The decision also identifies various factors that determine whether a furnishers investigation is " reasonable. '' The reasonableness of an investigation also depends on " what the furnisher knows about the dispute. '' The XXXX Circuit explicitly rejected the argument that a furnisher may reduce its investigation simply because the CRA failed to exhaustively describe the dispute in its Automated Consumer Dispute Verification ( ACDV ) form. " When a furnisher has access to dispute-related information beyond the information provided by the CRA, it will often be reasonable for the furnisher to review that additional information and conduct its investigation accordingly. I have disputed several times and pointed out the inaccuracies yet you still continue to violate my consumer rights by " UPDATING '' the accounts instead of removing them. THIS IS ABSURD!!! 

PLEASE REMOVE TGHE ACCOUNT IMMEDIATELY!!!!!! CONTINUING TO UPDATE THESE ACCOUNTS IS A CLEAR VIOLATION!!! 


XXXX XXXX XXXX/XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX  XXXX ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXX XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXINACCURATE ACCOUNT! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATEL! XXXXHIPPA VIOLATION! REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY! XXXXHIPPA VIOLATION REMOVE IMMEDIATELY!

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 2017-11-03
Company: ENCORE CAPITAL GROUP INC.
State: MD
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
I attempted to reach out to Midland Credit Management to settle a debt that is in collection. The debt is originally from XXXX and was charged off by XXXX at {$3500.00}. MCM is attempting to collect for {$5800.00} at this time. I was not in a financial position to pay before, but, now, I am able to afford to reach some sort of settlement with them, so I reached out to MCM. I advised them that I had {$1800.00} on hand at this time to pay off the amount if we could reach that agreement. They advised that they would not accept that amount and said the only amount for a lump sum they would agree to is {$4100.00}. I explained that due to financial circumstances I could not afford this. I inquired as to why the amount could not be lowered since several months prior I had received a letter stating that I could pay off the amount for 40 % what was owed. I was told that this offer was expired and the lump sum payment would again be {$4100.00}. I asked if I was able to get a little more money together if we could reach an agreement but they refused this. They stated that paperwork had been filed with my local district court by their attorney. I did a search of the court records and found no case or file associate with myself within the district court system. I 'm not sure if this was a move to place me under duress to pay the amount they wanted me to pay or not. I asked MCM several times to provide me copies of the legal documents they said they sent to the district court, but they refused stating that it was not in their company policy to provide such paperwork.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-20
Company: Experian Information Solutions Inc.
State: VA
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 so confused how credit bureaus obtained my information..I have never received any kind of correspondence from XXXX XXXX XXXX XXXX ... I have no financial obligation to this company and because I did not sign for this account, please remove it from 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 2018-11-06
Company: Experian Information Solutions Inc.
State: TN
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:
All information in accurate and I have also been a subject to identity theft with numerous company like XXXX. I have been receiving calls from places I have never heard of before.

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 2020-03-22
Company: Nationwide Recovery Systems, Ltd
State: DE
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Notification didn't disclose it was an attempt to collect a debt

Complaint:
I recently joined XXXX XXXX to check my credit, which then brought me to collections with XXXX  and XXXX. I then went to XXXX  to dispute three collections, all three of which are over a year old. I was never informed in writing previously that I owed any amount to Nationwide Inc for XXXX collections, so I was confused to see {$130.00}, {$100.00}, and {$80.00} collections I'd never seen. The disputes through XXXX  were filed XX/XX/20.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-15
Company: Mr. Cooper Group Inc.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Our mortgage was sold/transferred to Mr. Cooper in XXXX of 2021. We recently tried to refinance our mortgage to take advantage of the lower rates and it has come to our attention and surprise that Mr. Cooper has reported my husbands credit as ( 3 ) 60 day lates.

# 1, We have never been late on our mortgage payment and never have missed a payment.

# 2, I have contacted Mr. Cooper on XX/XX/2021, spoke with XXXX XXXX who is part of the Executive Resolutions Team who said that he will place a investigation in with the prior lender and that his Account Servicing Dept. will be working on this. XXXX did mentioned that Mr. Cooper does not show any payments being missed or any lates. I asked him " why is Mr. Cooper reporting this then? '' He did not have an answer and mentioned that he would look into it. Emails have been going back and forth between XXXX and us, number of voicemails we have left with him and still no answer on what the status is.

# 3, This has impacted my husbands credit tremendously and now holding us back on being able to refinance our mortgage. In the meantime, I am spending countless hours on trying to get this issue fixed and still waiting to hear from Mr. Cooper. 

We are asking for your help on getting this resolved. I can provide whatever you need to show proof of payments for our mortgage. 

Our Mr. Cooper loan No. is XXXX Case No, XXXX Please help us with getting this fixed. 

Sincerely, XXXX and XXXX XXXX XXXX or XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-23
Company: Mobiloans, LLC
State: CA
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Charged fees or interest you didn't expect

Complaint:
I requested a loan. I didnt know that the Loan was illegal in the state of California and the amount of interest charged was that high either. I continued to make payments because I did not want the negative report on my credit so I just let the withdrawals Happen and I have overpayed the principal amount borrowed yet somehow I owe {$800.00}. When my original loan was $ XXXX When the covid pandemic shutdown happened I stopped Payments to avoid overdrafting as I had no income I sent an email letting know I couldnt pay. My balance at that time was {$660.00} but somehow since XX/XX/2019 I was making {$120.00} plus payments every two weeks. Even though the amounts they are charging are illegal I tried to settle the account to avoid negative marks on my report and they refused. The want a full {$500.00} dollars payment to settle

Company response to consumer: Untimely response