BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One violated 12 CFR 226.13 - Billing error resolution. 27 and regulation Z by : Not reasserting the charge when I submitted additional documentation that proved that a credit was issued to the merchant who shipped me the goods. 

When I previously submitted this complaint, twice, to the CFPB Capital one did not address the issues in complete and forthright manner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CCS Financial Services, Inc.
State: CA
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:
XXXX XXXX billed me for a policy I did not authorize. I received a bill from the company and knowing I did not request or authorize new policy, I did not pay it. Now it is in collections.I wrote XXXX XXXX for a copy proof of authorization, and they replied that they have it, but failed to show or give me a copy.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Today I received a notification from my HR department that they received a Creditor Garnishment to garnish my wages. They included that it was their legal obligation and enclosed a copy of the withholding order for my records. I was mortified that my employer was involved in something like this but also completely confused as I read over and over the court order. 

My current credit situation is under control so to receive this notice I was surprised. The court order held no information at all to what this was regarding. I did not recognize the amount, the company or dates. There were even errors listed i.e. Total Due XXXX/XXXX/2015, Date Issued : XXXX/XXXX/2015. 

Immediately I called the lawyer that is representing the plaintiff and they told me to contact the Court Officer for the account details. It is all unsettling and confusing. This is the first time I am being notified legally, and through my employer. 

After feeling lost, I went to the internet for answers on who New Century Financial Services and XXXX XXXX XXXX are and discovered even more unsettling details. I am writing to you in hopes to rectify what is being done to me. These payments are being taken out of my check next payroll and there is nothing I can do to stop it. Please assist.

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 2015-12-08
Company: WELLS FARGO & COMPANY
State: GA
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other transaction issues

Complaint:
On XXXX XXXX, 2015, Wells Fargo ( WF ) allowed the transfer of {$1900.00} from my business savings account to XXXX XXXX XXXX QuickPay without my consent. I realized the transfer occurred on XXXX when reviewing my balance and promptly calling Wells Fargo and initiating a fraud case. The information I received back on XXXX/XXXX/2015 was this was a XXXX transaction and I am required to dispute this within 24 hours. I had never heard of a XXXX and Wells Fargo did not explain that my accounts could be used for such transactions without my knowledge when opening the account. It took WF 2 weeks to get back with me with this information and they did not contact XXXX XXXX in that period and suggested I do so. I called XXXX XXXX and they said they could not do anything unless the WF fraud department contacted them. I informed WF of that on XXXX/XXXX/2015 and am awaiting a response. I am trying to run a small business and this has taken a large part of my time in the last several weeks trying to get recover my funds. I feel I am in a virtual loop between the big banks with no hope of resolution.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
I lived in XXXX XXXX several years ago. When I moved out, I completely cleaned the apt including vacuuming the floors, but did not shampoo them. I was not told this was a condition of getting my deposit back. While I lived there, I had a large room sized carpet in the living room that completely covered their carpet. The tubs were painted prior to my moving in. During my time there, the paint chipped off several places. I reported this in writing and they offered to come repaint the tubs, but I would need to be out of apartment for 4-6 hours. I am XXXX and work many long hours. I had no where to go to sleep for 4-6 hours, so I lived with the chipped paint. Once I moved out, after several months, I received a statement saying I owe over {$1200.00} for " damages ''. I immediately called. They said they would send me pictures of everything they considered " damage '' I never received these pictures. They sent an itemized list of things they were charging me for, most of them were the routine make ready every apartment must do. XXXX item that stuck out was the charge to repaint my tubs. I called and reminded them these were maintenance issues I had while living there. They sent me another letter stating they were removing this item from my " amount due them '' making the new amount due {$900.00}. I called again and told them I have not received any pictures of damage and knew I did not damage their apartment. The flooring in the kitchen and bathrooms is from a roll of linoleum. They said I scratched it. It is very cheap and soft flooring, and it did have a few areas that were not perfect, but it appeared to be normal things that happen. Since I know I had their carpet completely covered, I knew I did not damage that, but they listed a cost to completely re-carpet the place. I think it is criminal that apartments believe they can charge people for maintenance that is not theirs to pay, and that they have the power to arbitrarily send it to a credit reporting agency that takes it as gospel. I disputed this and requested the documentation to back up these charges which I did not get. I requested to know why they keep changing the amount they are holding me hostage for. I did not receive any documentation from XXXX XXXX, only a comment on my credit reports saying the claims were " verified '' I 'm not sure what " verified '' means, but it does not mean true or accurate.

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 2016-09-05
Company: AR Resources, Inc. (FL)
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I have tried to contact this company regarding this debt. They have not contacted me by phone, email, or any other means. I want to have an official invoice so I know that this is the correct company to which I owe the money. I want it removed from my credit report since I have received no communication from them and have not been given a fair opportunity to settle this.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
XXXX XXXX, Ga. XXXX Acct # XXXX. 
I have sent Captial One letter regarding my account, which they claim my account was charged off {$720.00}. I requesting validation, made pursuant to the Fair Debt Collection Practices Act. I am requesting validation that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay you. Please also be aware that any negative mark found on my credit reports, from your company or any company that you represent, for a debt that I do n't owe, is a violation of the Fait Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
This is in response to Complaint XXXX and XXXX. Capital One in their response to my complaint agreed to remove references to the accounts which I proved in XXXX XXXX XXXX XXXX to Judge XXXX XXXX were paid in full. To date they have not lived up to their response letter of XXXX XXXX 2015. Both accounts which I proved to be paid in full still appear in my credit report with all XXXX agencies. Capital One after the suit by the law firm of XXXX and XXXX sold the account to XXXX XXXX of XXXX VA. I have not only paid these account in full but proved my claim to a judge how agreed the accounts were paid and XXXX and XXXX withdrew the suit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Other fee

Complaint:
I spoke to someone in the Executive Office of Capital One last year in regards to a previous concern. During that conversation they stated my annual fee could be permanently be removed on XXXX accounts but wait till beginning of year so they could remove annual fee permanently along with combining my accounts.Now they are renigging sayng they never said that.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-31
Company: EZCORP, INC.
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Excessive fees and high interest rate of XXXX l only borrow {$940.00} and paid over {$900.00} dollars in fees and finance charge. 
This financial institution shutting down in lending because of. A Federal Government fine of {$10.00} XXXX dollars.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: JPMORGAN CHASE & CO.
State: KY
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Chase is SERVICER of loan to which they misapplied, held in suspense, to push us into foreclosure, chase ignored MULTIPLE attempts to stop un-needed insurance to the point of XXXX removed from my escrow to pay for attached flood policy 's NEVER needed, & reasons for attachments is invalid chain of title, Good Faith Estimate, Truth & Lending statement, is for a DIFFERENT RESIDENCE, in a different county of ky, & is NOT MY RESIDENCE.I brought this ENORMOUS facts to chase, ignored & false default claims began,XXXX false claims now, to which all are paid.I 'm currently BOUND to litigations still, initiated XX/XX/2011. & Assignment of mortgage came a full year AFTER suit in progress, & the Assignment of Mortgage was created by the law firm suing me? NOT BY CHASE? & I BELEIVE THATS ILLEGAL ALSO, & signatures, notary 's that signed this assignment are CHASE EMPLOYEES, NEVER DEFAULTED, NEVER NEEDED LOAN MODIFICATION.NO DEED, NOTE SERVICER DEEMED ''LOST '' NEVER FILED ANY ASSIGNMENTS IN COUNTY CLERKS OFFICE, UN-CLEAN HANDS IS AN UNDERSTATEMENT.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
We purchased a ring from Helzberg Diamonds for my wife on XXXX XXXX, 2016 and opened a credit card account that night with Capital One to save 10 % on the purchase. Helzberg did not give us a 10 % discount but rather a 5 % and 5 %. After the sale we turned around and wrote a check to have a zero balance on the credit card. It was a beautiful ring but unfortunately we took it back because the stone was not changing colors ( XXXX ). I received my money back immediately that was paid from a debit card. I called Capital One when I received the credit card in the mail and canceled the account. I received a letter in the mail dated XXXX XXXX, 2016 stating that the credit card account was closed. I was also told that I should receive the money back we paid from using the credit card within 10 days. I have called several times because the check was not in the mail and I was told each time it was. I also received a billing statement from Capital One that was dated XXXX XXXX, 2016 which shows a credit on the account. Finally on XXXX XXXX, 2016 I spoke with a manager and Capital One who informed me that my check would be overnighted and would arrive on XXXX XXXX, 2016 due to XXXX. I told her that would be fine. I check the mail today and still no check from Capital One. I called and spoke with a different manager today and she told me that the check was not even in the mail. It has been 27 days since the ring was returned and I still do not know when I will receive my money back from Capital One. My wife and I will never make a purchase at Helzberg Diamonds again. We will also never use a credit card that has anything to do with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Other

Complaint:
I have had an ongoing issue with capital one for two months now. Here are the rundown of events:XX/XX/2015- month put into my credit card account that did not belong to me ( money was meant for another account and the money did not belong to me ) - Called capital one they told me nothing was wrong with my account and someone must have " given '' me money. 
- I said that no one has access to my account and that is not possible- research was done and the money was found out to belong to my mother who does NOT have a capital one account, she was paying off her XXXX XXXX XXXX bill ( which is through Capital One ) -She has a different first name, and a different account number yet the money was put into my account. 
- Called capital one to clear it up ... here is the chain of events since then:1. ) Money was supposed to be sent to me in late XXXX so I could return it to my mother so she could send it to the correct address- Capital One instead sent it back to my mother 's bank where I do not have an account and put it addressed to me. That bank sent it back to Capital One and the money was put back into my account2. ) XX/XX/XXXX money was supposed to be sent to my house - check was never issued3. ) Week later I called- money was supposed to be sent to my bank electronically- never done and I was told that this was not an option4. ) XX/XX/XXXX- check was STILL never mailed - spoke to a supervisor who said she would make sure it was mailed. 
5. ) Check was mailed to an address that DOES NOT exist. I gave her my address because it was wrong in the system and the check was sent with the XXXX XXXX name, apartment name, town, and zip code. 
6. ) Called Capital One and they were supposed to cancel the check and resend it to the correct address. Payment department said no because they already issued it and it would be a duplicate check7. ) TODAY XXXX/XXXX/15 : Called 2 times - spoke to XXXX supervisors- supposed to get a call from someone in the payment department at XXXX XXXX and no one ever called. 

Where am I now .... 
NO closer to having the money returned to it 's rightful owner. This is all Capital One 's fault yet I am the one who is having to continuously call and explain to someone new what the situation is. I can not believe that a company can operate like this it is XXXX unacceptable and I would never recommend this company to ANYONE. I am filing a complaint because I do not know where to go from here. I am no closer to having the check for {$3500.00} returned to me and no one at Capital One seems to know how to do their job.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX I was diagnosed with XXXX XXXX and after XXXX XXXX and a loan modification which was only for 4 years my husband and I had some marital difficulties due to my XXXX and financial issues after he found a new girlfriend he left me. I filed for divorce in XXXX XXXX. Prior to that I made up and resolved the delinquencies with capital one XX/XX/XXXX by setting up a payment plan to commence XXXX XXXX XXXX thru XXXX XXXX. I made every payment in XXXX on time. Now that the divorce is over since XXXX/XXXX/XXXX I can only qualify for a purchase reverse mortgage at age XXXX, that 's in less that 2 months. 
Capital one refuse to take these delinquencies off my credit report, they refuse to give me a letter stating that I was never delinquent in XX/XX/XXXX and now they will not return my calls. If they do not satisfy the underwriters of the new loan I am trying to get on my budget, I will be homeless. 
I beg of you to please help me through this merry go round and persuade capital one to provide me with the info that I need to qualify for this loan Time is really of the essence ; Please help me. 
Hopefully XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card
Issue: APR or interest rate

Complaint:
I 've had XXXX accounts with capital one since roughly XXXX. I had XXXX of the same product for a long time. Yesterday, XXXX XXXX XXXX I was chatting with a representative where I was informed I qualified to be upgraded to a venture card where I get XXXX miles for every dollar spent. I thought this was great and decided to close my other XXXX accounts and transfer the credit lines to my new venture card. Well it turns out that that the venture card is a subprime card where I only get XXXX miles for every dollar spent and my interest rate is 24.99 % variable. They gave me an offer for 7 months to lower rate to 20 % variable. Prior to combining the accounts I had XXXX XXXX XXXX accounts and XXXX of them had a 14.99 % rate variable however, since it was the lowest rate out of the XXXX they charged me a {$79.00} dollar annual fee which they refused to waive. Now I closed that account and moved the credit line due to missinformation and I was clearly missled here. I have a XXXX card with a super high interest rate, poor rewards and I no longer have the card with the 14.99 % interest rate. If I would have known the venture card does not earn XXXX miles for every dollar I would not have closed the other accounts and moved the lines over. I feel missled as a consumer specially since they were charging me an annual on XXXX card and not charging it on the other XXXX cards even though they were the exact same product. If you do it in XXXX card you should do it to all the same products and in my case they were the exact same cards. They just did not want to waive the annual fee because my interest was 14.99 %. I am extremely upset.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have never been contacted by this company and they appear on my credit report with me being able to dispute the debt.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
This debt was thrown out of court, XXXX had this debt for XXXX credit cards and what they did was combined the XXXX together and brought me to court. Judge threw out the case due to improper documents, the bottom line was i had XXXX insurance on this debt and the debtor being chase visa household financial did n't honor my XXXX insurance after i gave them all the documents required they sold debt to XXXX when the credit card company should have honored my XXXX that shown documents that i paid {$4.00} a month foe insurance on XXXX them accounts. So XXXX had XXXX debts sold to them and they combined together in court was dismissed but XXXX still shows XXXX of the XXXX debts

Company response to consumer: Closed
Consumer complaint received 2015-10-19
Company: Kimball, Tirey & St. John LLP
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Kimball , Tirey & St. John LLP representing XXXX properties. First, have not removed the civil judgement from my credit report. Second, the reason JKW did not except my money at the court proceedings was because they wanted me out for reporting them to housing authorities. Third, it has been over seven years. Furthermore, after reporting them they had the pipes in the build replaced due to the poor quality of water being dispensed. At the court proceeds I had the money and they did not want to take it. I can not believe that a legal firm would ethically represent such a reprehensible firm like XXXX properties.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-23
Company: CCS Financial Services, Inc.
State: FL
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:
I became a victim of ID theft in 2012 when my Identity was compromised. I believe that XXXX ore more tenants who moved into previous addresses i have resided have used my personal details to open accounts in my name. I have never held a utility account with XXXX XXXX XXXX.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation