BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-22
Company: CCS Financial Services, Inc.
State: KS
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Approximately XXXX/XXXX/2015 I was contacted via mail to my residence by Credit Collection Services ( CCS USA ) with an address of XXXX XXXX XXXX XXXX, MA XXXX phone number XXXX related to a XXXX Insurance bill. I called and was asked for a phone number. I refused to give them my phone number because it is not my bill. They looked it up by the number on the notice and I asked them questions about the debt and explained that I had never had XXXX insurance and that the information they had in the file did not relate to me. They indicated that they would remove my address from the account. I have recently received XXXX additional notices about the past due bill 9 months after the first one. There is another person in the area who has the same name I do but I have lived in my house for 12 years and this is the first I am having issues with this. I explained if I heard anything else from them I would contact appropriate authorities about continued contact on a bill I do not owe.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
I check my credit report and notice some things that does not belong to me. These accounts are stopping me from reaching my dream personal credit standing. The account listed below aren't mine. I sent in multiple letters and haven't received any feedback about my complaints. I don't understand what is really happening? Please help me out. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX AC 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
Consumer complaint received 2016-11-05
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 : 30 days past due as of XX/XX/2013 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 2021-10-05
Company: U.S. BANCORP
State: ME
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:
I tried to buy a XXXX pound XXXX coin for my coin collection. They shut my card off stating I broke the rules by trying to buy money. The denied me access to the web page so I can no longer make payments.

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 2017-02-06
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
My Amazon Store Credit Card with Synchrony Bank was closed by the creditor due to having XXXX returned payments within a 12 month period. However, I contacted Synchrony Bank to advise XXXX of the payments in question XXXX was returned due to no fault of my own ; but my debit card was compromised because of fraud. I got a letter from my bank as they requested to confirm these details, but they refused to re-open my account AND more importantly they have now reported my account closed by creditor which has effected my credit rating.

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 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
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:
collection agency is not licensed in the State of AZ did not know that Capital One had sent to collection no notices

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-10
Company: JPMORGAN CHASE & CO.
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Identity theft in XX/XX/XXXX/XX/XX/XXXX when I was XXXX produced an account which a debt collector is attempting to obtain a judgement on in court

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Seized/Attempted to seize property

Complaint:
I received a called from my niece stating someone had called my ex- boyfriend from XX/XX/XXXX and wanted to find me cause I owed some money and did n't show up for court. When I hang up I received a unknown called with a message I needed to call a XXXX with a case #. that I need to call back or they would take different actions. I called the number and they identified as an attorney office named XXXX XXXX XXXX. While I was on the phone they verified some of my name, last XXXX social, and address. they wanted to settle my account I had on XX/XX/XXXX or they were going to take me to court, garnish my money and seized or seize my property. sadly to say I did settle a monthly with $ XXXX monthly for 6 months gave them my credit card information. when I hang up my husband did more research and found out there is no company named XXXX that exist anymore. the only attorney named XXXX XXXX retired back in XX/XX/XXXX. I felt mad and ashamed, of me giving them my credit card information to take care of a bill I could not pay back in XX/XX/XXXX. I did cancel my credit card right away. I still do n't know till this day if this is even a real creditor company.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Hi my name is XXXX XXXX on XX/XX/2021 capital one froze my accounts I wasnt able to access my accounts to pay my rent my bills my medical bills and any other important activity that I have going on in my life. I normally pay my credit cards on time every time, but because they froze my accounts I was unable to pay my credit cards I was unable to buy food pay rent I almost lost my home and I wasnt able to afford any medical assistance. They kept my account frozen for three months During these tough times during CovidI would never have thought the capital one bank that I had for almost 10 years would freeze my account.Because my accounts are frozen I couldnt pay my credit card bills and capital one started to charge me late fees and collect interest. Im trying really hard to pay my credit cards off right now but I can not afford to pay the interest fees and the past due fees. Its like they purposely set me up to keep charging me interest and interest and fees on top of fees to make money off the money I dont have to make money off the money they took from me in the first place until this day they are still charging me late fees interest fees and passed do fees. If they can remove the fees I will pay my credit card in FULL.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-11
Company: VW Credit
State: MO
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I entered into a vehicle lease for a XXXX Volkswagen Jetta at XXXX XXXX Volkswagen in XXXX, XXXX in XXXX XXXX. The lease was supposed to run until XXXX XXXX. However, I received XXXX in XXXX XXXX. I was XXXX for a total of 184 days. While at training, I attempted to terminate my lease under SCRA, but Volkswagen denied my application because they said SCRA would not apply if I was not XXXX out of the U.S. I applied twice more after that and still continued to be denied. Eventually, in XXXX, the dealership told my mother they would take the car back and she turned it in without issue. However, in XXXX I received invoices from the dealership stating that I was behind two payments for XXXX and XXXX XXXX. After calling the dealership, they told me that they had not completed the process for turning in the vehicle and that those two payments would be taken off of my account. However, in XXXX XXXX I received a statement from the Volkswagen credit department out of XXXX saying that I owed {$13000.00} for the remainder of the lease. I went to the XXXX XXXX legal office for help. The XXXX called the credit department informing them of my rights under SCRA and they told me to reapply to them since they are the ones authorized to process vehicle turn-ins. First, they gave me a fax number which did not work. Then the XXXX was able to email my paperwork to the credit department and I received a receipt that they received the email. However, after a week went by, they said they still had not received my email, even though they sent me a receipt notice. After re-sending the paperwork, they denied my application again citing that SCRA did not apply to me because I was not out of the U.S. and I was not on XXXX XXXX for more than 180 days, even though my orders show I was. The XXXX again called the credit department to inform them that they were incorrect and told the XXXX that they would look at it again and contact us when they reviewed it. I have still have not heard back, even though they are continuing to send me invoices. The XXXX and I feel that Volkswagen is being completely unresponsive and is not honoring my right to legally early terminate my lease under SCRA and at this point want to seek assistance from the CFPB.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-08-25
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: Information belongs to someone else

Complaint:
This is my 2nd endeavor to tell you that I am a victim of identity theft and I complain to question specific records in my document coming about because of the wrong doing. The records I am questioning connect with no exchanges acquiring any possession of goods, services or money that I have made or authorized. Assuming no one cares either way, block the noteworthy of any information in my credit record that came about due to an alleged fraud or extortion. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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
Consumer complaint received 2021-10-05
Company: Avant Holding Company, Inc.
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I got an Avant credit card. I sent them a payment on time. Despite that fact they seemed to take an extra long time to apply the payment. In that time they charged me a late fee. 

Two months later, I sent them a payment by the deadline on XX/XX/XXXX. I made the payment electronically through my bank. It was sent to them on XX/XX/XXXX. 

Despite that they did not apply a payment to my account, and my account is now listed as over the limit ( which affects my XXXXredit score ). 

I contacted them twice by phone, and they asked me to email proof ( although they have internal records of when they received the electronic payment ). I emailed the proof ( screenshots ), then they replied by saying I have to call them to submit the proof. 

It seems as if they're deliberately holding the payments PAST the due date, then charging their customers late fees and over the limit fees. When a customer contacts them about the issue, they just give them the 'run around ', hoping the customer will just get frustrated and give up and they can keep their fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
The latest credit report I checked still shows that this account is being reported inaccurately and incorrectly, despite that I sent previous dispute letters to your agency. This account is being reported reflecting multiple " violation '' statements. I don't believe the status of this account is accurate. I urge your agency to reinvestigate this account and ensure that correct, fair, and complete reporting is given. I demand proof that you went through all the proper and logical steps that would have been necessary to validate or refute my dispute. If your agency is unable to do so, I demand that this account be removed from my credit report.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-03
Company: U.S. BANCORP
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I had come to a settlement with US bank and after not receiving anything in the mail/email after that, I get a collections letter from collctns agency I had money problems and my account was past due. I contacted them because I was going to do contact a credit consulting company or file bankruptcy but decided to contact them. We agreed to a settlement and thought that everything was closed because I did not receive any kid on mail or email notifying me of the situation. Then, at the beginning of this year a get a letter from an agency stating that my account was in collections for the amount of the remaining balance and when I ask for proof indicating this, I get statements for XXXX and according to portfolio recovery, the account was charged off in XXXX 2013 and then collections. This stories from both sides do not add up because I can not get a letter from US bank who " can not '' email because of securities issues. I think it had to do with US bank being bought out.

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 2021-10-04
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: Account status incorrect

Complaint:
I. The month of XXXX I reached out to citizens bank to let them know I would be trading in my vehicle for a new one sometime during the middle of the month. On XX/XX/XXXX I actually traded in the vehicle and called them for the pay off and the pro rate amount. I also told the gentleman on the phone that I was trading in the XXXX XXXX 2017 he told me congratulations. About a week later I started receiving phone calls that I had late payments from citizens bank and I called their phone number spoke to a manager and they noted the account. Today I woke of to my credit score dropping XXXX points I was so upset because I was transparent about the whole issue. I called XXXX XXXX and they told me the pay off was good till the XXXX of XXXX and didn't know why they did that and they actually tracked the check that was sent out on XX/XX/XXXX and told me it was arriving today. This is not how a company should handle things when myself and XXXX XXXX XXXX have told them this information. When I spoke to them they said they would back date and remove the charges and take care of the 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 explanation
Consumer complaint received 2015-08-26
Company: Debt Recovery Solutions, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
They state it 's a XXXX XXXX amount due. I contacted XXXX which is and has been my current provider for at least the last XXXX years and they show no outstanding debt. Nor any interruptions in service due to a lack of payment. When I ask specifically what they are collecting on they go to strong arm tacticts " just give me your credit card ... ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was already discharged in bankruptcy and is no longer owed

Complaint:
My mother passed away XX/XX/2021. I contacted all of her creditors. Capital One was insisting that they be paid and asked if she had an estate. I explained to them that she did not have an estate. As a result, they sold the debt to XXXX XXXX XXXX XXXX. If XXXX wants to collect, they can go to the cemetery where she is buried. I had the mail stopped by them, but they continue to call. I want this company to stop contacting me thinking they are going to collect off of my deceased mother. Utterly disrespectful.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-03
Company: Ditech Financial LLC
State: NV
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
After the bankruptcy date of XXXX/XXXX/XXXX, Ditech Financial LLC kept the account opened and continued to try to collect on a discharged account. When they were first contacted about this error and asked to stop, Ditech did not stop collecting on the account. In XXXX of XXXX Ditech was again asked to stop collecting on a discharged account, at that time they stopped communication, but they kept the account open. The account history for XXXX to XXXX should be cleared from from all XXXX credit reporting agencies because the account was discharged back in XXXX. After multiple communications with Ditech, they have not agreed to follow the mandates of the bankruptcy discharge, and to this day they refuse to close the account. They have not provided any reason for their refusal to follow the bankruptcy court discharge. Ditech has been reporting this as a foreclosure. This is illegal! The debt has been discharged through bankruptcy on XXXX/XXXX/XXXX. 
Ditech financial 's customer service representatives admitted that they show all of the bankruptcy paperwork on file, but they have told me that they will continue to collect on the debt because the account is open and active. I talked to the trustee in charge of the foreclosure process on behalf of Ditech. Ditech is attempting to foreclose on the home that we no longer own and of which the debt I 'm no longer responsible for. The trustee sent me an email telling me that they know we surrendered the home through bankruptcy and she told me that I should escalate this to a Ditech supervisor because Ditech may be reporting this debt as a foreclosure instead as a surrender in error. I called Ditech back to speak with a supervisor who told me that she can not do anything about it and that I have to send a letter to their correspondence department with my issue proving that they are making an error. This is after the Ditech people admitted to having the bankruptcy information on file and admitting that they have never followed up with my calls when I have called to have this reviewed on their end. Ditech representatives admitted that the account is still active and that they are actively seeking to collect on the debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
We were in trail modification payments with Bank of America XXXX ( XXXX ) times and they never gave us a final modification. We paid over {$30000.00} in trial payments to Bank of America. 
and then they transferred our loan.

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 2016-07-10
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My lender, Ditech is not applying my payments to my principal balance and are charging me fees they make up themselves this has been going on for 6 months

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-04
Company: Thaxton Investment Corporation
State: IL
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Heights finance in Illinois I believe took advantage of the pandemic and sued me in small claims court a lawyer that I had hired failed to show up on my behalf I got hurt at work the day before and was incapacitated for three days and had a concussion that lasted 30 so I could not appeal and the court will not allow me to appeal the decision after I had pointed out to them that I could not make the hearing because I was incapacitated I feel like I did not get a fair trial

Company response to consumer: Closed with explanation