BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Money transfers
Sub-product: International money transfer
Issue: Other transaction issues

Complaint:
On XXXX/XXXX/2015, I purchased an item from XXXX. The seller was located in XXXX and offered free shipping ( see attached ). This free shipping and the entire transaction was based on false and misleading advertising. The seller knew that the item, even though advertised ( see attached ) to fit the style ( XXXX XXXX XXXX ) of my vehicle, did not fit and an unsuspecting buyer would be forced to send it back to XXXX and eventually end up paying for shipping. 

The item is too long for the trunk of my XXXX MB. When I contacted the seller, " XXXX '' stated that I should return the item but she was unable to provide a prepaid return label from XXXX. Although she mailed the item via XXXX ( # XXXX ), the seller also stated that " there is no local shipping address within United States, that 's why we ca n't offer pre-paid service due to we are not located in USA '' ( see attached ). If the seller is not operationally equipped to handle returns, then they have no business selling to customers located in the United States. This is a scam! 

On XXXX/XXXX/2015, the fee in the amount of {$49.00} was charged to my Capital One account ending in XXXX. I filed a dispute which was denied by my bank due to seller XXXX 's statement that the item did in fact fit my vehicle. Although, in previous messages from XXXX she stated that she understood my concerns and will gladly refund my money once I return the item with shipping charges paid by me. On XXXX/XXXX/2015, {$49.00} was rebilled to my account ( see attached ) for item number XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: CT
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. 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. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX  XXXX Account : XXXX Creditor : XXXX XXXX  XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
This is my third submission in regard to Capital One bank. I have asked to receive a lower APR on my credit card because it is XXXX to 21.00 %. I spoke with XXXX XXXX the second time about lowering my APR. She told me that she could not lower my APR at this time because I had a returned payment from my bank. I explained to her that my percentage of paying my credit card is 91 % and sometimes I pay XXXX a month because of how high the balance is. I explained to her that I did not apply for a capital one credit card and that it is unfair for Capital One to keep the APR from XXXX from which the account was sold. XXXX XXXX said that this does not matter. She then keeps sending me this letter my personal protection account as if they are going to pay my bill for me. I told her that I do not have a problem with the personal protection account but that is not the only element that is making the payments ridiculously high and the APR!! She continues to send the personal protection letter as if they are an option for me to help pay my bill. I am not unemployed nor do I fit the criteria to receive this benefit. I am able to work and wish that she would stop sending me this letter to try to commit fraudelent claims to Personal Account Protection!!! I can pay my bill I just would like the APR lowered to a reasonable percentage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Experian Information Solutions Inc.
State: MI
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 sent in documentation to both bureaus XXXX  and Experian regarding erroneously reported information. I have spoken to customer care as well as USPS certified notarized copies and the j formation is still on my report which has caused me financial issues due to the credit scores and charged off collections and inquiries. This has been dragged on for 6 months now Im have really been working extra hard to get this taken care of transunion has taken off the information. All three reports should pretty much have the same info. I am facing more stress along with the Covid19. I am asking that the inquiries be removed and the collection accounts as well. My credit score updated. I was denied a loan. I have been paying my bills on time and keeping my credit clean.

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 2016-11-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
I entered into a 72-month auto loan with Capital One Auto Finance on XXXX XXXX, 2010. I have had XXXX payment deferments which extended the loan terms from 72 months to 75 months. I get my final statement this month and they claim i owe and additional XXXX!! Well first of all I called them to explain that i should not owe an additional amount due to this is a loan and not a lease there should be no residual balance on a purchase. Then she tells me its the interest. I them tell her NO MA '' AM the payments are set up to to deduct monthly a certain amount goes to interest and the balance to principal.. ( I am no dummy ) I asked for the transactions on my account to be mailed to me. I also explained to her that there is no mathematical way i should owe an additional XXXX I asked to speak to a Manager to resolve and said one would call me back ... ... I am still awaiting that call. Granted the interest rate was high, but i have made every payment. ( XXXX of them!!! ) They would like me to believe its interest but i know better. This is their way of getting over on consumers who were credit challenge at the time of the loan. My original loan was for XXXX@24.35 APR which mean i have paid them XXXX in interest alone!! total paid XXXX!! I refuse to be taken advantage of, and this is what they are doing. If my interest or loan terms changed during the course of these long 6 years I should have been contacted. I do n't want this to happen to another hard-working consumer. I will continue to call them on a daily basis until they resolve. I will continue to complain about their shady business practices to anyone that will listen. All I want is my title! I have earned it! I have paid for this truck 3 times over!! I have kept my end of the contract paying XXXX for a truck not even worth XXXX right now.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-24
Company: Upgrade, Inc.
State: MN
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
I was approved for a {$1500.00} personal loan with Upgrade on XX/XX/2021. {$750.00} was to be paid on a personal loan to XXXX. I have contacted Upgrade 's customer service and they are unable to locate funds. I have checked my account with Upgrade and no allocation of funds shown and can not be found. I checked my XXXX loan there are no funds dispersed to that account. I contacted Upgrade 's Loan Servicing department and the money is not found. However their charging me interest on money which can not be found or given. I would like to have this loan rescinded and no interest charged.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: PNC Bank N.A.
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Issue with PNC Bank, on XX/XX/2016 I made a mobile check deposit for {$150.00}, on XX/XX/XXXX, I looked at my balance and I had a positive balance but did not see the {$150.00} kick in, I used my bank card that day, my car insurance was paid so looked good, in my number on XX/XX/XXXX, I was supposed to have a balance including the {$150.00} deposited on XX/XX/XXXX, however, to my surprise my account was negative. I immediately called the back as this caused lots if stress that day as I had no money available. The rep on the call tried to help and I explained about the {$150.00} that I never saw get into my account, and that it was showing as pending on the statement for the day, the rep then called the deposit department who stated there was a glitch in the system and that is why it was showing as deposited and in pending, but that in actuality it was not deposited, and that the next day I would see the payment kick in and my balance would turn positive. I waited for the next day and my balance was still negative, then everyone stated the funds were released on time that there was no glitch, I requested for the recording to be pulled as I wanted an explanation as I was hearing 2 stories. They took over 3 weeks to get a response and basically they told me the recording was pulled and action was taken, but I never got a response about the {$150.00}. I know that PNC does not need {$150.00}, but to me they have lost my money and this is a reason I can not trust to continue to be a customer there, they never addressed the statement made by one of their reps about a glitch. I was watching my account spending 's really closely and I am sure I was not off for that much money, therefore, for me those {$150.00} were never deposited to my account. Really disappointed as they never gave me a real explanation as to why someone said there was a glitch. I am a computer engineer and I know systems are perfect but glitches do happen and transactions can get lost

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: ONEMAIN FINANCE CORPORATION
State: IL
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:
CREDIT INQUIRY ONEMAIN Personal Loan Companies Inquiry date : XX/XX/XXXX Removal date : XX/XX/XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XXXX 2012 30 days past due as of XXXX 2012, XXXX 2012 I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-11
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I worked out a payment arrangement with XXXX, XXXX XXXX XXXX, XXXX. They debit my account monthly in order to settle this debt for a credit card that I owe. They are taking me to court to garnish my wages even though they are still debating my account montly with a recent transaction happen on XX/XX/XXXX. I looked back through my bank statement to make sure the drafts were coming out. THEY did n't draft it out in XX/XX/XXXX however they did XXXX, XXXX and XXXX. In fact my drafts begin in XX/XX/XXXX. I have paid them payments totaling around {$1800.00}. I do n't feel that missing XXXX payment that they never told me about warrants wage garnishment. Please help. I can barley survive now. I barley can afford food for my family. I realized my debt and that 's why I arranged payment arrangements with them so this situation would n't happen. Please help me if you can. I have gotten letters from lawyers for representation and I did n't know I was susposed to be in court.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We have a business card with Capital One ( XXXX ). We added an employee card and updated our email address. Subsequently our account was locked for suspected fraud. We called Capital one verified our identity and the changes. Capital One requested supporting documentation from us consisting of drivers license copies, utility bills, and a copy of our Social Security card for each cardholder. We thought this an odd request especially since we have been using the card for over a year. We advised them that we were fine sending in everything with the exception of our Social Security card copies as we were not comfortable for security reasons with them having or storing a digital copy of our social security cards. We then sent in drivers license and utility bills for each card holder and with held the Social Security cards. For some reason After numerous calls Capital One refuses to remove the fraud hold on our card until we provide digital copies of our social security cards, which we will not do. This caused disruptions in our business so we opened another card with another company. 

We called Capital One to close our account due to the fact that we were at an impasse. At the time we had a balance of approximately {$560.00}. We had accrued {$510.00} in cash rewards using the card for the last year. We requested to use the cash rewards we had earned to close out the account and fund the balance. Capital One now refuses to let us use our cash rewards until we send in our social security cards. We paid the balance and it seems we will now loose our cash rewards because we refuse to let Capital One have a copy of our Social Security cards. 

No fraud was ever on this card! We made and authorized all changes. I have never had a credit card company hold me XXXX until I fax in a copy of my Social Security card.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: WELLS FARGO & COMPANY
State: GA
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:
I am the holder of a credit card that was issued by Wells Fargo. Upon becoming learnt in the law and the rights afforded to me as a consumer I realize that there is a high possibility that there is a breach of contract/agreement. On XX/XX/2019 I sent by certified mail a billing error dispute ( affidavit ) which I have proof of delivery through my return receipt. Wells Fargo did not provide response of evidential value to my billing error dispute nor any of the other affidavits that I had sent by certified mail. Please see copies of all correspondence that was sent to Wells Fargo. Am requesting you assistance in clearing up false information on my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-29
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
PNC hit my PNC checking account for XXXX overdraft fees ( {$36.00} each ) and inaccurately disclosed my account activity and balance to me. I use their on-line services to check my balances. I electronically transfer funds between several checking accounts to make sure that I have enough money in my account to cover my checks. If I am at a grocery store or a restaurant and plan to pay with my debit card, I electronically transfer money from one checking account to another and the money is there for immediate use. On the evening of XXXX XXXX I had a positive balance. However I transferred {$65.00} into one of my checking accounts ( ending in XXXX ) because I knew that I had XXXX checks that were going to come in soon. Additionally I knew that I on XXXX XXXX I would be getting a direct deposit to my checking account ( ending in XXXX ) Additionally I when I make a deposit in a branch at the tellers line I CONSTANTLY ask the tellers to confirm that " If a debit hits my account the same day as a cash deposit, will I incur an overdraft fee? '' The answer is 'no fees will be applied '. I 've included XXXX attachments to support my claim. At no time did PNC report a negative balance to me on the on-line tool that they provide to me. 
I 've attached a screen shot from my on-line screen. Clearly shows enough money to cover my debts. Also shows that they overdrafted me with a positive balance of $ .XXXX.PNC has been sued before for their Overdraft policies and activities and I 've received XXXX very small settlement checks from the settlement fund. Apparently they have poor business practices with their overdraft activity.They continue to abuse me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-27
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Bank of America wrongfully took {$45.00} from me. 
Money was wired in to Bank of America on XX/XX/2016. 
Bank of America returned the wired money, but wrongfully returned {$45.00} less than it received. 
Wire in and out tracking numbers : XXXX, XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Foreign currency exchange
Issue: Fraud or scam

Complaint:
My personal checking and savings account was deducted for direct pay made out to me XXXX XXXX from something called XXXX XXXX XXXX XXXX I never received one payment other than the stubs from Bank of America Association Corporation private bank. Iam attaching the mailer Bank of America sent me stating if the direct payment from my account Im also wondering why I cant access my XXXX account attached to my BofA account thank u.

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 2020-03-30
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
Hi, I recently applied for a credit card with BofA but was declined due to 2 reasons : 1 : not enough relationship with bofa ( not a lot of funds ) 2 : too many inquires I would like to use this opportunity to remedy and explain : I highly value my relationship with BofA and therefore I have deposited decent amount of cash, if the card is approved I will be going for Platinum Honors status by depositing additional funds. The reason for too many inquires is because I have been applying for the same card from the same institution with no result - XXXX. I hope BofA can take another look at my application I have attached my debit card number with this inquiry

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 2017-05-23
Company: Ocwen Financial Corporation
State: OR
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Beginning prior to  XXXX / XXXX / XXXX , I 've been writing and Disputing Ocwen Loan Servicing, LLC, regarding numerous descriptions of charges on my Payoff Quotes. I 've included sever al Payoff Q uotes for you to examine and review to make sense of any of them.     The most recent PAYOFF QUOTE valid through  XXXX / XXXX / XXXX  includes {$5600.00} for interest due, {$2900.00} for escrow advances, {$67.00} for property inspection fee, {$110.00} for Projected Property Valuations Exp, {$120.00} for a BPO and so on.     Eac  h Payoff Quote differs.
I dispute all of the above amounts and for each year Ocwen made an Insurance payment on our behalf, they were charging us twice the amount of the policy, as the policy is   written for  XXXX  homes ;  XXXX  &  XXXX   XXXX   XXXX   XXXX , not  XXXX  ;  XXXX   XXXX   XXXX  paying the total.     This property is slated to close  XXXX / XXXX / XXXX  and I wish to have a correct Payoff Quote forwarded to  XXXX   XXXX  and myself, to ensure I will not be forced to over-pay my mortgage to provide Clear Title to the Buyers of  XXXX   XXXX   XXXX   XXXX .

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation