BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
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:
Your company is currently reporting to the 3 credit bureaus that I applied with your organization. I did not grant you authorization to review 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 2019-09-11
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Unexpected increase in interest rate

Complaint:
I was offered a Store credit card by XXXX XXXX - through Synchrony Bank - I purchased goods with understanding that card will be interest-free for a certain time period - I was also under the impression that when I pay an amount every month that bank specifies, the full balance will be paid. I signed up for Auto Pay directly from my bank under the impression that monthly deduction will pay off the balance in full. 

However, lately ( XXXX 2019 XXXX, I realized a deferred Interest Charge ( net ) {$1900.00} was added to my account back in XXXX 2019 where I was under impression that I had paid in full by then. I only realized recently that Synchrony bank was charging me money every month at an interest rate of 29.99 % for over {$3000.00}. ( which is deferred interest and leftover balance ) .They say they have sent statements over emails. No one had contacted me to inform me regarding the ~ {$2000.00} charge that appeared overnight. I feel the bank didn't act in a reasonable manner before imposing a high charge and misled me through the auto-pay process and hiding behind E statements.

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 2020-08-21
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Account status incorrect

Complaint:
Capital One is reporting erroneous late 's on my account. I recently checked my credit file and noticed these delinquent notations. My payments were on auto draft and i'm not sure why these are being reported. I never received a letter, notice, or phone call about the late payments. This is a mistake made by the bank, I have never been late on this account. I would like the late 's to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-05-22
Company: Nicholas Financial Inc.
State: AZ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
Ever since we fell behind on auto payments after my husband lost his job Nicholas financial has been calling us every day and it is always someone different we are behind one payment and our car is inoperable. I even explained to Nicholas financial what is going on and an email and we still get calls every day non-stop since XX/XX/2019 to present. XXXX XXXX and XXXX XXXX. Nicholas financial is in XXXX, Florida.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Kriya Capital, LLC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been in correspondence with XXXX XXXX since XXXX and Credence Resources since XX/XX/XXXX. Once I had received an alert that a negative account was on my credit report. I informed the representative that this account belongs to my mother whom shares the same first and name as myself, XXXX XXXX. I keep requesting in writing for them to provide me with written proof of the service address/equipment received with my address. Of course no one can provide me with this information, because I never had XXXX XXXX in my life. Credence Resources sent an email from me to look at the debt with the passcode ( zip code ) of the address of the debt. Of course I couldn't look it up because the zip code belongs to my mother. They went back to change the passcode to our name. Again I sent a follow-up email immediately informing them that I was not going to open up someone's mail that didn't have my address on it. I have provided proof of my driver 's license with my address for the past 12 years on. My mother and I had both spoken to someone at the XXXX XXXX about the wrong information in their system only to be hung up on. I come home today to check my mailbox to find that Credence Resources have done the exact thing that XXXX XXXX has done which is to take my mother 's information out of the system and to put my information in their system. I have NEVER once received a bill from XXXX XXXX and Credence Resources before until today. I immediately returned the mail because the account will not have my information on the bill. I have had my own cable/internet provider since XXXX and I have sent the records to XXXX XXXX. This debt hasn't been validated by me because this isn't my account, so this company should be immediately removed from my credit reports. This isn't the first time that I had to dispute debts that didn't belong to me but instead belonged to my mother.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-19
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 came apon checking my credit for accuracy and found out my personal information has been used to open car loans and other accounts of some sort without my permission i was adviced to fill out this form to bring this issue to an end

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 2019-01-17
Company: Experian Information Solutions Inc.
State: ID
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: Problem with personal statement of dispute

Complaint:
I sold my house XX/XX/2018 and paid off all my bills. Idaho XXXX notified the credit bureaus I paid my mortgage off but credit bureaus say they did not. I had my credit report run & they show as of XXXX I made no more payments which means Idaho XXXX did report to them. I have spent hours on the phone with all of them. They go through my report and finally say they can not help me because they dont know if Im me or not even though they pulled up my credit report with the information I gave them. I even talked to a supervisor who asked me a bunch of questions I could not answer off the top of my head. Like what I owed to bank, credit cards etc. 
I want to buy a trailer but because of their unprofessional behavior my score is bad when it should be excellent These credit bureaus need to do their jobs and quit lying when they are wrong and ignore the problem.

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 2020-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Last month, I got a letter from Capital One dated XX/XX/XXXX. The letter is 2 sentences long and it says my account was closed and " if you have any questions, please get in touch ''. There's no phone number or email address to reach anyone. I'd never received any other communication saying the account was going to be closed. 

On yesterday, I got my regular statement for XX/XX/XXXX with, as expected, a XXXX balance. This time there was a phone number on the statement. Today, Thursday XX/XX/XXXX, I called the bank to get the money that had been in the now closed account ( XXXX ). I was told that the money had been sent to the state ( XXXX  ) and I would have to contact them to get it. The bank gave me a website, which led me to the XXXX XXXX XXXX XXXX XXXX XXXX. There was no record of money from the Capital One Bank owed to me listed by the program. I called the bank back ( this was about my 7th call to the bank at this point ) and this time I was told that I would probably just need to wait for the money to show up to file a claim with the XXXX  government. 

Summary- 1. The bank never contacted me to let me know that they were going to close my account. 
2. Immediately upon closing the account, the bank immediately sent the money to the state even though one of the customer service agents that I spoke with today said normally the bank waits a " while '' to send the money to the state after they notify the customer that their account has been closed. None of the customer service reps who I spoke with today would quantify what a " while '' usually means. 
3. They have no idea when the money will be received by XXXX  government so that I can file a claim. 

Bottom line - Capital One was responsible for taking care of my XXXX and they didn't. They told me that my only recourse is to chase it down from XXXX  government. As an aside, getting money from XXXX  government takes years as my history with them has shown ... irresponsible and frustrating ...

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-11
Company: Square Inc
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
While temporarily living in XXXX, NV for a work assignment, I searched for a one month apartment rental on XXXX. Upon finding what I thought to be a suitable place, I contacted the owner of the listing. We then exchanged a number of emails and texts before I submitted an application to rent the place. As the final step in the process, the listing owner asked me to wire {$1400.00} ( cost of the apartment for one month + a deposit ) via CashApp, a peer-to-peer payment platform owned by Square. I sent the money on the evening of XX/XX/2019. 

Upon waking up the next morning, the XXXX listing owner let me know that his account was closed and that the payment did not go through. He asked me to send the payment to another account. After a long series of interactions, I agreed to send another {$1000.00}. In the meantime, I reached out to Cash App to see what I could do to recoup the {$1400.00} that I had sent the night before. Minutes after I sent the second payment of {$1000.00}, CashApp informed me that my first payment of {$1400.00} had been cashed out and used to buy Bitcoin. Immediately, I contacted CashApp to stop the second payment of {$1000.00} as it was clear that I was being scammed by the XXXX listing owner. 

The CashApp team was not able to stop the payment. The owner of the XXXX listing stopped responding to messages. I contacted my bank ( a major bank ) to dispute the charges. They initially refunded the amounts, but after a month, the bank has denied the claim as of early XX/XX/2019. They state that they have talked to CashApp and that the company " adequately provided the services of transferring money to a merchant. '' They say that they can do nothing more and that I need to contact CashApp. 

In the meantime, CashApp has closed my account because with the stated reason that my account is closed because I filed a claim to dispute charges made on the app. So I have absolutely no way of contacting them or any hope of recouping the {$2400.00} that the fraudster stole. 

I feel completely powerless and hopeless in this situation, and I'm confused as to how reputable banks and companies like Square/CashApp can continue operating without addressing serious issues of fraud like this. In fact, CashApp has made it impossible for me to contact them because they closed my account. This seems unreasonable and unjust.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
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 hope all is well.. 

I would like to state thank you very much for giving me a credit card with your company for all these years. Its very much appreciated. The first time in all the years I have had my credit card during the pandemic of the Corona virus I was late a couple times for the first times. I really do apologize my hours were reduced and I had a baby as well. It will not happen again because Im back working my regular hours and XXXX XXXX and XXXX are in daycare while I work or my mothers watches them. Im about to pay the card completely off and as a courtesy can you please take off all the late fees that occurred because it was the pandemic fault. This will help me out a lot, I really do apologize this my first time being late a couple times ever since I started with the credit card. Please take all the late fees off. I will be paying the credit card off in the next couple of months. I really need the late fees off it will really help me. Thank you very much. Have a wonderful day and please be safe. 

XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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 a late payment on the date below : 30 days late as of XX/XX/2017 60 days late as of XX/XX/2017 90 days late as of XX/XX/2017 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 monetary relief
Consumer complaint received 2019-09-11
Company: Experian Information Solutions Inc.
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I made a purchase from a company called XXXX XXXX over 2 years ago. I paid for overnight shipping because I was traveling a few days afterwards. The shipment took 3 business days to be delivered and delivery was not attempted until after I left. Since I was not there the owner of the home refused shipment. I notified test clear that I would not longer need the product on the 2nd business day and they were very unhelpful. After the shipment was refused they would not refund me any part of my order. I contacted my credit card company who then told me I had the right to dispute the charge which I did and was given my refund from the credit card company. Over 2 years later XXXX gives a collection company my information stating I have a debt to them. I was never provided a product and test clear has no evidence of me accepting the product yet the collection company took false information and damaged my credit. XXXX XXXX has removed this collection from my report but the two other reporting agencies have been making it very difficult although I have explained this. It's unbelievable that a company can do this to a person without evidence of someone receiving the product. I really need help with this as I do not think it is fair to have to pay test clear just for the sake of my credit. They should not have the right to do this. It's not about the money it is the principal. I really need help removing this collection debt off 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 2018-05-03
Company: Rent Recover, LLC
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XX/XX/XXXX, I was required to leave for military training. However, on XX/XX/XXXX, while still in XXXX XXXX XXXX status, a collection was reported on my account by Rent Recover of XXXX. It is my understanding that under the Service Members Relief Act ( SCRA ) all debts occurred while on XXXX XXXX that were open prior to me leaving are forgiven. Furthermore, this debt was removed before and has been recently re-added to my report. I am requesting an immediate deletion of this negative remark.

Company response to consumer: Untimely response
Consumer complaint received 2020-11-13
Company: Amsher Collection Services, Inc.
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I contacted the collection agency yesterday XX/XX/2020 to inform them that I dont owe or acknowledge the account balance that was owed to the account from the original creditor that claims that I owe them the amount of XXXX I would like for this account to be deleted because it is a fraudulent account not owned by me

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-29
Company: Tri-Counties Accounts Adjustment Bureau
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
When I first did my research about this case ( that is already affecting my credit ), I decided not to send any complaint ; but right now, I have decided to do all that I need to do to solve this. 

Account Recovery Services is committing so many violations to my consumer rights. I am complaining about the following account : # XXXX, opened date reported : XX/XX/2016, original balance : {$8400.00}. 

Violations of the Fair Credit Reporting Act : - Reporting an incorrect opening date. 
- Missing date of last payment. 
- Failing to register company in the California Secretary of State. 
- Unfair business practices. 
- Negligence. 
- Breach of contract. 

All I am asking is to take this case in serious consideration, and remove the item from my report. 

CFPB : Please take the attached documents to Account Recovery Services. 

Thank you so much.

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 2021-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
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:
Name : XXXX XXXX Phone : XXXX e-mail : XXXX Address : XXXX XXXX XXXX XXXX XXXX, CA XXXX I booked an award flight with capital one on XX/XX/XXXX redeeming XXXX capital one reward points ( Trip ID # XXXX with capital one, and Agency Reference Number is XXXX ) for 4 passengers flying one-way on XX/XX/XXXX from XXXX XXXX, CA to XXXX XXXX. The flights were reserved using capital one reward points to fly with XXXX airlines. The airlines ended up canceling the flight for what seems to be based on covid-19 concerns, but they were never reachable since before then. On the other hand, I tried communicating my request for a refund or flight credit with capital one, but they also indicated they are not able to reach out to XXXX airlines. I reached capital one via the following numbers XXXX and XXXX ( for their travel department ) since XX/XX/XXXX and throughout almost every month after ( more than 14 times and wasting many hours of being on hold and getting no where with them ), and they finally opened case # XXXX with their travel center in XX/XX/XXXX acknowledging that this is something they would be able to resolve. Capital 's initial claim back then was they would keep on trying to reach to the company for issuing me the refund, and they would give me monthly updates. The fulfilled that promise for 2 months only and then never called after, at which point I started calling them back myself again. On XX/XX/XXXX, I called capital one again, and they told me the company XXXX is out of business, and capital will be therefore refusing to refund the points back to me given that the company is not responding to them. 

My request is to at least refund me the XXXX capital one points back to my account given that the booking was fulfilled with capital one and I was never able to be even given that flight or a replacement.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-07
Company: Experian Information Solutions Inc.
State: SC
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:
XXXX- debt does not belong to me/ no contract- XXXX XXXX.- debt does not belong to me/no contract XXXX XXXX- was removed and replaced back on my credit without a notice. The orignal was XXXX XXXX and the account does not belong to me XXXX XXXX XXXX- debt does not belong to me/no contract XXXX XXXX XXXX- debt does not belong to me/no contract XXXX   XXXX XXXX XXXX- debt does not belong to me XXXX XXXX XXXX- not my debt/ was removed from XXXX and XXXX- 'EXPERIAN FOLLOW SUIT WITH REMOVE ASAP '

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