BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-01-24
Company: Netspend Corporation
State: CA
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:
I purchased a XXXX prepaid debit card at XXXX on XX/XX/22. 
I had {$500.00} uploaded on the card and I was told by the XXXX employee to call and activate the card. 
Upon my attempt to activate the XXXX prepaid debit card in which I now had {$500.00} on I was told that the card could not be activated and that it was a Netspend prepaid debit card. 
Nothing on the card, the inside or outside contents of the XXXX prepaid debit card indicated that it was associated with Netspend. 
I surely wouldn't have purchased it if it had. 
I was not given a reason why. I was told that I could not get an immediate return of my monies and that they would send me a check for {$500.00} in 10 business days. 
Netspend is using defective credit practices to sell these prepaid debit cards. 
They are not disclosing on the cards inside or outside that they are Netspend. 
They are doing the same thing they were doing when the FTC sued them and won {$930000.00} lawsuit. 
Yes, I did my due diligence. 
This company is a fraud! 
I have lost ti.e and money. I was to pay a state licensing to continue operating my company now I can't pay the fee because they have my money and refuse to immediately return it to my bank account.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: CNG FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Threatened to contact someone or share information improperly
Sub-issue: Contacted you after you asked them to stop

Complaint:
XXXX Received a call from a XXXX XXXX XXXX did not state what this was for or why they were calling, then said there contacting in regards to the order of location, that was been issued against you legally I do have to make you aware that once your claim is filed into the county becomes a matter of public matter of public record, I have been instructed to contact your employer and speak with your supervisor directly because it lokos like that is going to be the likely place of location, your legal right will be forefeited the phone number '' then they said to call XXXX, I spoke to XXXX XXXX and had casse # XXXX, did not say what it was for except that it was a " locked file '' and then said it was for a check n go loan? 

All of this violates, Fair Debt Collection Practices Act. It is false, misleading and harassing and scary when I'm at work. They've called my husband too. I will ask them to stop. 

I called back and spoke to XXXX XXXX at XXXXXXXX XXXX on XX/XX/2022. I said I am responding to your contact about a debt you are attempting to collect. You contacted me by phone today. You identified the debt as a XXXX XXXX XXXX loan. 

I asked her to please stop all communication with me and with this address about this debt. 

To also, record that I dispute having any obligation for this debt. If you forward or return this debt to another company, please indicate to them that it is disputed. If you report it to a credit bureau ( or have already done so ), also report that the debt is disputed.She said they are getting information to file a lawsuit or check in Go has 3 allegations against me they will find me to issue against me...

Company response to consumer: Closed with explanation
Consumer complaint received 2020-12-14
Company: Experian Information Solutions Inc.
State: OK
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:
I have recently discovered that Experian Credit Bureau is not reporting my credit score to any new creditors nor am I able to see my credit score from Experian. I checked the other two credit bureau 's and all of my creditors appear on their system and my score is available. Experian had my score and information in XX/XX/2020 verified in my paperwork on a refinance of our home. I contacted Experian several times and have spoken with their specialist ; they indicated that my file has been lost. I have contacted all of my creditors and they verified that they report my credit history to all three companies. One of my creditors a Major Bank stated that Experian is not attaching my file that they send to Experian to their system that's associated to my personal information. 

Experian is not doing anything to correct this issue but they have a major impact on my financial needs. Two of my bank creditors and my mortgage company have sent documents to Experian requesting them to populate my current credit history associated to my SSN # file. As of XX/XX/2020 there is no change to my situation.

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 2022-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
My Capital One XXXX XXXX  card has been restricted for spending since XXXX. I contacted Capital one via phone and they said a special team is handling and that they would contact me in 10-14 days. No one contacted and when i called again they couldn't resolve it again. On my insistence they gave me a link to submit government ID and that link doesn't work. Errors shown in attached document. 
I contacted their Head of US Fraud Prevention via XXXX XXXX  message and didn't get response for several weeks ( screenshot attached ). 
I contacted them via XXXX and their generic response is to call a XXXX XXXX # XXXX XXXX XXXX which doesn't respond at all. 
I tried all attempts since 60 days and receiving no support to remove restriction. 
I have excellent credit history and multiple capital one cards and never had even one late payment. so this is all very disappointing on how they are not resolving.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: WELLS FARGO & COMPANY
State: CA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
Have been paying this loan on time every month but Wells Fargo is not applying payments correctly. Sent a certified letter with past proof of payments with XXXX payment. Wells Fargo has still not addressed or fixed the problem and has not deposited my XXXX payment.

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 2021-05-03
Company: EQUIFAX, INC.
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 am client with Equifax XXXX for credit report i paid XXXX $ and XXXX $ respectively for credit report which i have got the report. Now i want to cancel my subscription also remove my credit card details. In their online service website doesnt have options to cancel the subscription nor they have option to delete my credit card details. since they provide credit report online and take payment online. Why they do not have option to cancel the subscription. When i spoke to them they do not have supervisor or manager to answer my questions no they have call transfer facility. They always technical difficulties. I feel scammed reason being they do not operate 24/7. Refused to proceed my request to cancel the subscription on my first call.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: Experian Information Solutions Inc.
State: MA
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:
In accordance with the Fair Credit Reporting act XXXX  ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX ACCOUNT # XXXX has violated my rights.

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : it also states a consumer reporting agency can not furnish an account without my written instructions.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Hi i XXXX XXXX am protected by F.C.R.A I had several issues disputing what isnt correct and i am subject to my privacy and also have the right to delete whats incorrect Please correct these mistakes Under 15 usc 1666b i am protected. 
Account name : XXXX XXXX The Account is reporting late. i have never been late please report the account as current Delete any allegedly late payments Account name : XXXX The Account is reporting late several times. I have had several issues removing the allegedly late payments. I was never late please delete the allegedly late payments Account name : XXXX XXXX XXXX XXXX XXXX XXXX XXXX Please delete this account. The account is paid for i am subject to my privacy Account name : XXXX XXXX  Please delete this account. The acccount is paid for i am subject to my privacy Please delete all of the above and send me a copy of my report with all of the above deleted please and thank you

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 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
Regular payments had been made on the account up until XXXX. I could not continue to work my higher paying job and took a much lower paying one. On the report, it shows I have not made a single payment all of XXXX and most of XXXX. I have been contacted by capital one numerous times to set up a payment plan or keep my account from defaulting, which I did. I have bank statements that clearly shows payments were being made. 

In XX/XX/XXXX, I set up a payment plan to work down my debt and it was accepted by capital one? They charged off my card while in a payment plan, did not contact me before it was charged off, and when I called after I received the alert, was notified that it was done and there was nothing that could be done but pay the NOW closed credit card debt down.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-09-13
Company: Rocket Mortgage, LLC
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
For decades consumers have been making bi-monthly payments for the purpose of reducing the number of years for payment. I myself have been doing this with mortgage and financial companies for over 30 years. Typically mortgage companies and financial institutions would charge a " set-up '' fee for the privilege of bi-monthly payments, or if a customer was savvy enough, they could just simply do it themselves. 

Today I realized via some wording on their payment page - Quicken Loans does not apply bi-monthly payments. They hold the consumer 's payment in a " suspend '' account and only apply the payment to the consumer 's loan when the entire loan payment has been received. Not only is this practice immoral and unethical - it is reprehensible. 

I am sure they have found some legal loophole? How can they create a " suspend '' account and hold my funds? They are earning interest on MY money I have thought has been applied to my loan for years!!!!!! How can this practice be legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-11
Company: Phoenix Financial Services LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I get a letter in the mail roughly around X/17 saying that I had a {$510.00} balance that was sent to collections for a medical bill I do not recall ever hearing about. This is now showing on my credit report as " placed for collection '' when I had only received 1 letter and zero phone calls about.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Thaxton Investment Corporation
State: IL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
I am trying to pay this loan off over a year early but they are still making me pay all of the interest except {$400.00} the total interest charged is {$2900.00} which is excessive but if I am paying it off in almost half the time it seems like I should not have to pay all that interest. They added the interest immediately on the loan & how can that be legal when I have not accrued the interest yet?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Card charges from XXXX XXXX XXXX XXXX XXXX  disputed beginning in XX/XX/2022. Charges of XXXX ( XXXX and XXXX deposit and completion of installation ) and XXXX for installation of XXXX XXXX units are disputed due to XXXX XXXX XXXX XXXX XXXX  failure to provide required service on Warrantied units as per contract. Damage to our home have occurred on 2 occasions due to sub-par or no maintenance which is covered under Service Contract. XXXX XXXXXXXX XXXX XXXX XXXX  Warranty and Maintenance Plan clearly states " We perform a comprehensive tune up twice a year and they will replace units under their 2 year satisfaction agreement ''. 

All charges were disputed starting in XXXX and XXXX and I have supplied all documentation requested by Capital One on 3 separate occasions, including an affidavit from the XXXX XXXX XXXX and XXXX XXXX Building Inspector and also an Independent Contractor. The merchant is dishonest and in fact his State License is being taken due to failures in our systems and other clients with similar code violations. I have supplied documentation requested on XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX in writing and 5 calls have been made with Capital One. Also documents have been supplied via download links XX/XX/XXXX and again XX/XX/XXXX. All requested documents including the Independent Contractor ( XXXX XXXX XXXX XXXX  ) have been supplied to Capital One. XXXX XXXXXXXX XXXX XXXX XXXX  violated both their Guarantee and Warranties and also the law in this state by failure to request permits for installation of the XXXX units.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
In XXXX XXXX XXXX XXXX  accounting documents, theyve written the account off as uncollectible, and they no longer consider the debt as an asset. XXXX XXXX XXXX cancel the debt completely. When this happens, you no longer have a responsibility to pay the debt. When creditors cancel debts, they are required to report the canceled amount ( if it's over {$600.00} ) to the IRS using Form 1099-C cancellation of debt. I yet to receive 1099 from XXXX XXXX. No only that I haven't received a physical signatures stating that I agreed to terms nor last four of social

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-02
Company: NAVY FEDERAL CREDIT UNION
State: AZ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have requested my escrow account t be analyzed again as my property had been fully accessed for value and taxes after being built as a new home. I submitted a copy of my homeowners insurance and the tax bill from the XXXX XXXX XXXX showing yearly amount. NFCU has said that is not accurate and out a stop and hold on any further escrow analysis until XX/XX/2021. This is not accurate as Im overpaying substantially. The escrow amount should be {$280.00} per month and not {$400.00}.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-02
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: DC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Initially on XX/XX/XXXX sent documentation to company for modification of my loan all documents requested were sent how ever there was always something more requested each time i would get another person on the phone who would tell me different things every time a document was sent that was requested i was told that it took at least 5 days to verify receipt.on XX/XX/XXXX the modification processed was closed to me for not having certain documents sent eventually spoke with a supervisor who show there error and the remod was reopened on or about XX/XX/XXXX .this same situation continued to occur it seem as though a systematic way to deny me access to even be reviewed for a modification because even this time it never went to under writing for a decision to be made.I have had to file Bankruptcy just to keep my home and this lender has refused my rights to be considered a modification please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-08
Company: Dovenmuehle Mortgage, Inc.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
On XX/XX/XXXX I received a notice from our appraisal district stating that our XXXX Property Taxes were not payed. On this notice it stated that added interest had started accruing in XXXX on top of the original amount that was not payed. This was the first letter I had received from the appraisal district notifying me that the property taxes had not been payed In XXXX of XXXX. This is a new home that we bought in XX/XX/XXXX. In closing we set up an Escrow account with XXXX Mortgage and put down a payment of {$1500.00} towards escrow. When the account was set up we started paying towards the escrow account monthly starting in XXXX when the first payment was due for the house. I have been dealing with XXXX customer service for a month now trying to get this issue resolved. I sent them the notice I received in the mail as well as the XXXX tax statement that we received in the mail stating what our XXXX property taxes amount owed and it states at the bottom of the statement, please do not pay original has been sent to mortgage company and it has the mortgage companys name and mailing address. For 3 weeks now customer service stated that they were at fault and they will be sending a check to the appraisal district with the added fees, and that I am not responsible for the added fees. I called customer service again on Friday XX/XX/XXXX, because I saw that a Tax Penalty was added to my account online for {$730.00} that was taken out of my escrow account. The customer service person stated that she will be putting in a work order to have that removed because they are responsible for the added fees and to call back next week to make sure it was resolved. I called XX/XX/XXXX to check on the status and I was told that now I am responsible for the added fees and I will be receiving a notice in the mail stating the reason why. I was also told that the original payment for the XXXX property tax amount was my responsibility and not theirs and that is why I am at fault. As of my statement on XX/XX/XXXX my escrow account balance is now - {$1800.00}. I also see on my online account that on XX/XX/XXXX a check was sent to me at an address that does not exist for {$3800.00}. I tried resolving this issue as well because now I dont know where that money is and can not get a straight answer. I still do not know if the mortgage company has sent a check to the appraisal district.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
Deposited a government issued check from the Illinois Comptroller XXXX XXXX for {$600.00} on Saturday, XX/XX/XXXX. As of XX/XX/XXXX, there is still a hold on the check and no funds are made available. I have spent 3 hours on the phone with JPMorgan Chase bank asking for the hold to be removed due to it being a government issued check and they are still refusing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-10
Company: ENCORE CAPITAL GROUP INC.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Midland Funding LLC, which I hold no contract with nor have received services from, reported a collection account against my SSN in the amount of {$160.00} with XXXX, XXXX, & XXXX credit report agencies. I requested verification of the debt and account, however the busines failed to provide adequate proof. Considering this business does not have a contract with me for goods and services they have provided nor have they provided adequate proof. I should not be obligated to pay for the alleged debt. 
Thank you in advance.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I reached out to Capital One about an almost 30 % apr on a credit card for several reasons. One ; that was not the promotional and or advertised rate for the card. Two ; the rate was almost double the national average. Three ; my XXXX XXXX and XXXX XXXX combined did not equal the Capital One credit card. They refused to review the apr and instead told me to make 3 or more payments each month.

Company response to consumer: Closed with explanation