BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
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: Overcharged for something you did purchase with the card

Complaint:
On XX/XX/2020, I was billed by XXXX XXXX for a premium seat, in the amount of {$450.00}. This was charged to my Capital One credit card. 

On XX/XX/2020, I paid {$450.00}. ( Since XX/XX/2020, Capital One has repeatedly credited and charged my account for the same amount. ) On XX/XX/2020, I received a refund from Capital One in the amount of {$450.00} because I did not receive the services from XXXX XXXX. XXXX XXXX cancelled the flight. 

On XX/XX/2020, I am being rebilled for {$450.00}. I owe nothing. How can Capital One charge my account for services not received??

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-06-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
On XX/XX/2018 I went into Bank of America to open a checking account, due to having a new job that requires direct deposit. When I attempted to open the account, XXXX of Bank of America at the XXXX location, informed me that I could not open an account due to my social security number had been used to open an account already. The only other information she had provided me with was that the birthdate used for the account was a day off of my birthdate. I have never opened an account at this bank. I have only ever had an account with XXXX XXXX, and that account has been closed for over a year.

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 2019-09-16
Company: Experian Information Solutions Inc.
State: CA
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:
On or around XX/XX/19 I had sent a certified and notarized letter to XXXX which they had received and overviewed they continue to stick by that the typed in signature on the Promissory Note with my name stands as evidence that I'm responsible for the loan, I told them in a phone conversation ( which I have recorded ) that I contest that's not my signature and I'm not responsible for the electronic signature on the Promissory Note they say I'm responsible for, I then still requested that they send me a Promissory note with my wet-ink signature which they verbally said they do not have such a document and they will not send me a letter stating they do not have such a document. 

On XX/XX/19 I sent out a 2nd certified letter that included an Affidavit of Identity Theft including a Police report explaining the Promissory Note that was sent to me did not have my wet-ink signature and that I was not the person responsible for signing the electronic signature they claim I'm legally bound to, I continue to state I was not the individual responsible for signing the electronic signature, the agency has been notified that I have reported this to the FTC and were sent documents to prove this, they are still reporting to other credit reporting agencies this incorrect fraudulent information that's greatly impacting my creditworthiness in a negative way and also causing me great mental stress due to not being able to gain housing either it be leasing or buying.

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 2020-08-13
Company: I.C. System, Inc.
State: LA
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
i look on my credit report on XX/XX/XXXX and notice a collection from IC SYSTEM for a alleged debt of XXXX XXXX  that i do not owe, and on XX/XX/XXXX i sent them a letter asking for the required information concerning account number XX/XX/XXXX.I also attached a copy of the document below.

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 2020-10-12
Company: BCG Equities, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Sued you without properly notifying you of lawsuit

Complaint:
On XX/XX/2020 i received a letter from my employer " The State of Arizona '' of a Non Exempt Earnings Statement ( Judgement not for support ). this letter stated I have had my wages garnished without proper notification. I never received a letter from the court nor the law offices of XXXX XXXX XXXX. I only found out about the garnishment from The Arizona Department of Administration stating my wages where being garnished. Subsequently i am enrolled through a debt counseling agency whos managing my payments to creditors to help me get back on track with my debt to move on with my life. This garnishment is causing me to fall into ECONOMIC HARDSHIP. I cant afford to buy my prescription medication, I cant afford to see a Dr. Or pay my rent on time. I cant even afford to put gas in my car or keep up with my other bills, after the garnishment I am only bringing home about {$610.00} bi weekly. I have been late on my rent, i cant afford to buy groceries or buy food because of this garnishment. I cant apply for government assistance because I work for the government assistance agency also known as Arizona Department of Economic Security. FAA agents do not qualify for SNAP or Medical benefits. I called XX/XX/2020 at XXXX XXXX to discus why I was ambushed like this.

Also BGC Equities LLC & associates have been known for misleading consumers in debt collection practices thus a class action lawsuit was filed against the corporations In Wisconsin. File attached below

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIBANK, N.A.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello CFPB, Good Evening : ) I am writing to file a complaint with bank and credit agencies that they were not able to fix this thing and putting some other identity information and charge off collection amount information on my credit report and the bank people had send me couple of multiple letters stating that I need to pay the debt off which I need to pay, where actually I don't have a bank account with them at all and they are asking me to pay, I don't know how they got my identity information and they are harassing me to pay money from past one year and I made so many phone calls to bank and credit bureau agencies to fix this problem and they are not able to help me and still they are playing with my identity and as of now I lost my credit score a lot and the result is no one is giving me any loans nor either a credit card, where it effected my score, identity completely. so I need some help and fix my credit information on my credit report properly.

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 2019-09-16
Company: Radius Global Solutions LLC
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Re : Debt collection letter ( dated XX/XX/XXXX ) from Radius Global Solutions, LLC. 
Creditor : XXXX XXXX XXXX XXXX RADIUS Global Solutions # XXXX Previous debt collector was XXXX XXXX XXXX XXXX ( XXXX ). Debt was disputed and case was closed and all collection activity was ceased. Have letter from XXXX dated XX/XX/XXXX. 

On XX/XX/XXXX, my XXXX year old daughter received laboratory service at XXXX to test for XXXX XXXX XXXX. It appears that SHE WAS ALSO tested for XXXX XXXX ( XXXX ) Foods, a test that was undertaken without her knowledge or consent. Neither her physician, nor XXXX informed her that such a test was going to be undertaken nor did she consent to such a test. A complaint was lodged with the physician as well as XXXX. We became aware that an XXXX XXXX   test was conducted when we received a bill from XXXX for {$870.00}. The physician indicated that he was going to undertake " XXXX  XXXX XXXX to test for XXXX XXXX. '' It appears that our insurer at the time, XXXX, was billed for an additional test, and the claim was subsequently denied. XXXX indicated that the XXXX  XXXX XXXX ( XXXX ) testing is experimental and investigational and it has not been proven to be effective for routine testing for XXXX XXXX. It is unethical and illegal to order and/or administer a test without a patients consent, and particularly one that is not reasonable and appropriate based on professional standards of safety and effectiveness for diagnosis, care or treatment. 

The case was closed by XXXX, previous collection agency a year ago. Why are we now receiving a letter from RADIUS?

Company response to consumer: Closed with explanation
Consumer complaint received 2018-02-13
Company: Ocwen Financial Corporation
State: AL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
After filing my last complaint with the CFPB, Ocwen contacted me and informed me that I would be able to make three payments of {$460.00} each on the first day of each month for XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX, and that if I did so I would be able to get a formal modification. I made these payments. They also took my payment in XX/XX/XXXX for the same amount but added it to an " unapplied funds '' account. 

I tried to make the same payment in XX/XX/XXXX, but my payment was refused. I received a letter stating that my payment was refused because I failed to return a signed modification agreement to Ocwen when requested. However, I have not received any such agreement or request for me to sign such agreement and return it. 

The individual who was assigned to handle my last complaint, XXXX XXXX, will not return my calls. Yesterday, when I tried to make the payment again via phone, someone there told me that they had been trying to get in touch with me via phone and mail. I have not received any phone calls or mail from them regarding this issue except the letter I have described, although they have all of my correct contact information, which I have sent several times. 

I have also tried to call XXXX XXXX, who is mentioned in the last letter I received. I can not leave a message for her. The only thing that happens is that I get re-directed to another " relationship manager '' who simply repeats that I can not make a payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: Harvard Collections, LLC
State: NY
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: You told them to stop contacting you, but they keep trying

Complaint:
The first they called me they asked me for my 4 digit social security and i didnt give it to him. The guy cursed me out, got rude, and threatened that my credit was going to be reported if i dont pay. Then they called my mom and said the same. When she said this isnt his number they said they dont care and they was going to call me untill they got a hold of me. Before that call i caller then 4 times and told them to take me off a do not call list. They are still harassung me and i has to block them. I see they reporter in my credit card reporting but makes no sense. I paid XXXX XXXX everything owed and there telling me that i have to pay them no XXXX XXXX. That makes no sense. Please help me review this these guys are harassing me and my mon and threatenung ne after tellin  the to leave me alone. I told him i know my rights and they still dont care. One more thing they call from different numbers. My mom owne a busineee and they call her there.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: TX
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 have contacted Equifax and XXXX XXXX XXXX XXXX XXXX on numerous occasions, about this issue. As soon as I saw this on my report I notified all bureaus about this activity. I constantly called Equifax and filed dispute to NO avail. Please update your info. reporting inaccurate info. XXXX XXXX has assured me that they are not reporting the inaccuracy.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-19
Company: CITIZENS FINANCIAL GROUP, INC.
State: SC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
My mortgage is with Citizens One. I submitted a loan modification application in XX/XX/XXXX. I was initially advised to allow 45-60 business days for processing. I called each month to check the status of my application. Each time I was advised that my request was still pending review/decision with an underwriter. However, today ( XX/XX/XXXX ), I called Citizens and was advised by my lender that I was denied on XX/XX/XXXX. To date I have not received any written correspondence regarding this, nor has anyone contacted me to inform me of this status change for my application. I was told to reapply and see what other options are available. I feel so uneasy about this because I was not aware for over a month that I was denied. Had I known this sooner, I would have been exploring other options for my home. I am resubmitting another application today, hoping that my lender does not repeat this lack of communication issue with me again. I'm doing everything within my power to be positive about this and I'm really relying on my faith in God to help my family and I keep our home. I'd also like to go on record and advise that I called on XX/XX/XXXX and scheduled a payment with an agent. That representative used the wrong payment method & account number when she completed my request. 

On XX/XX/XXXX, a manager with Citizens One named XXXX confirmed that she listened to the call and there was an error on behalf of the agent. In turn, this caused my bank to charge me two insufficient funds fees. I was told that the fees would be refunded but they never were.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: CAINE & WEINER COMPANY, INC.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I received a collection letter in the amount of {$1800.00} on XXXX XXXX from the company Caine & Weiner with account # XXXX. This was sent to them by XXXX XXXX XXXX company regarding a mortgage insurance that was cancelled months before. This was all due to an error on the insurance 's part when they did not correctly cancel a policy when it was cancelled. I have been working with my agent and XXXX XXXX to confirm this is all settled and complete which it is. I have a {$0.00} balance and the errors were fixed. Caine & Weiner still tell me I owe approximately {$1700.00} as a debt they are are collecting. They declined to contact the original creditor ( insurance company XXXX to resolve this. It has been almost 4 months and they still have yet to fix this on their end. Had I not been aware of all the rules in place for a collection company to collect a debt, I would be deeply in debt. I know XXXX XXXX and Caine & Weiner are not practicing the correct rules in place. Caine and Weiner need to verify their information before considering someone's debt. They only allow the consumer to send a dispute to their company to resolve this.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-12-27
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
On XX/XX/XXXX Under the fair credit reporting act I sent to XXXX, XXXX XXXX, and Equifax letters requesting to remove. unverified non- account holding inquires. 
the non acount holding inquiries were XXXX  XXXX XXXX XXXX, XXXX XXXX, XXXX  XXXX XXXX, XXXX, XXXX  XXXX XXXX all of which are unverified accounts. I also requested to have all credit freezes and security alerts removed from my account. 
Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. 
Under the Fair Credit Reporting Act, 15 U.S.C. 1681g I have the right to demand that you disclose to me all of the documents that you have recorded and retained in your file at the time of this request concerning the accounts that you are reporting in my credit report. Please dont respond to my request by saying that these accounts have been verified. Send me copies of the documents that you have in your files that were used to verify them. 
If you do not have any documentation in your files to verify the accuracy of these disputed accounts then please delete them immediately as required under Section 611 ( a ) ( 5 ) ( A ) ( i ). By publishing these inaccurate and unverified items on my credit report and distributing them to 3rd parties you are damaging my reputation and credit worthiness.

Under the FCRA 15 U.S.C. 1681i, all unverified accounts must be promptly deleted. Therefore, if you are unable to provide me with a copy of the verifiable proof that you have on file for each of the accounts listed below within 30 days of receipt of this letter then you must remove these accounts from my credit report.

Please provide me with a copy of an updated and corrected credit report showing these items removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: PENTAGON FEDERAL CREDIT UNION
State: MN
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:
There was a account open in my name win Pend last year. I send a dispute letter and a Id theft affidavits about a month ago and I havent heard back from them. Account still reported to my credit report. Did a fraud report about some one stole my Id and personal information. And they still havent resolved.

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 2019-09-16
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: Card was charged for something you did not purchase with the card

Complaint:
The issue concerns my Capital One MasterCard. My husband and I have been using this credit card issuer for a number of years. On XX/XX/2019, my husband and I left the country for several weeks. While abroad, I was unable to monitor the account activity. 

In late XX/XX/2019, I received an email message from Capital One requesting confirmation of a purchase. I was in XXXX, XXXX at the time and informed the institution that I did not make the purchase. I had a long telephone conversation with Capital One, from which it became clear that someone had used the account shortly following our departure from the U.S. 

Capital One advised that on XX/XX/2019, the day following our departure, someone had called to request a new credit card. At the time, I was in possession of my old card with the same number and occasionally used it for purchases while abroad. 

Long story short, I am the victim of identity theft and fraud and Capital One is refusing to take recognize that fact. They claim that no fraud had occurred and they are holding me responsible for all charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-05-05
Company: EQUIFAX, INC.
State: CA
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 contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 contacted XXXX and notified them I no longer wanted this account. Apparently, the account wasn't actually closed and the annual fee was billed in error. I was contacted by XXXX 's collection department stating I was past due. Fortunately, the phone rep corrected the issue by refunding the fees and closing the account but I now see they have reported me 30 days past due which dropped my credit scores.

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 2021-07-19
Company: PENTAGON FEDERAL CREDIT UNION
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
Ordered five {$100.00} pre-paid VISA cards through our PenFed Rewards program. Received XX/XX/XXXX with expiration date of XX/XX/XXXX. Contacted Penfed on XX/XX/XXXX because we didn't realize they expired so quickly. Asked for new cards to be issued in the amount of {$500.00} and that we were willing to pay the {$5.00} processing fee per card to do so ( {$5.00} x 5 cards = {$29.00} ), as printed on the cards. Penfed refused to credit the money or re-issue the cards, so I asked to speak with a supervisor. Received a phone call on XX/XX/XXXX and was told the cards could not be re-issued, nor could our {$500.00} be sent to us via check, transfer, etc. They also said they would not refund our reward points spent ( XXXX  points ) to negate the {$500.00} loss. I asked to speak to that person 's supervisor and received another phone call on XX/XX/XXXX. I was told they would credit our reward points balance with XXXX points. So, at this point, we only received half of our points back, so we effectively lost {$250.00}.

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 non-monetary relief