BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Other

Complaint:
CFPB complaint XX/XX/2016 This is request for Capital One Bank ( USA ) , N.A . for the address to send a credit reporting dispute and request investigation, of a master card, credit card issued by creditor/furnisher, Capital One Bank ( USA ) , N.A . reporting on my credit report. 
You website stated the following : " In addition, because Capital One does not have a designated custodian of records, a subpoena must be directed to the Capital One entity that maintains the requested records. The primary Capital One operating entities from which records are customarily requested are Capital One Bank ( USA ), N.A., Capital One, N.A., and Capital One Auto Finance. Capital One Bank ( USA ) , N.A . offers credit and debit card products, other lending products and deposit products. Capital One , N.A . offers a broad spectrum of banking products and financial services to consumers, small businesses and commercial clients, including traditional banking and credit card products. Lastly, Capital One Auto Finance, a division of Capital One, N.A., offers automobile financing products. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I believe the bank Capital one 360 has charged me more than once for an online purchase but I have reached out to XXXX and the bank but they are only showing one transaction. As of XXXX XXXX I had an available balence of {$830.00} on XXXX XXXX my available balence went down to {$300.00}. This is not the first time they have charged me {$230.00} but they have deleted that in my transaction log and they keep moving it up to the current date. HELP XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: National Enterprise Systems, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
National Enterprise Systems ( NES ) committed 31 violations of the Fair Debt Collection Practices Act. They violated Title 15 USC Chapter 42 ; 1692c, 1692e ( 2 ) ( A ), 1692e ( 10 ) 1692e ( 13 ) ,1692e ( j ), Chapter 94, Subchapter II, Paragraph ( a ) ( 2 )

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 2016-07-26
Company: WELLS FARGO & COMPANY
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Second complaint ( original XXXX XXXX Wells Fargo did not address the initial complaint filed on XXXX with the CFPB. 

The complaint is that Wells Fargo notified originally notified deed holder of the initial auction date of XXXX XXXX, XXXX to be held in the XXXX court house in XXXX XXXX. This notice was served to the deed holder and notarized by the XXXX. At this point, there was no notification from Wells Fargo of a change in auction date as required by law ( state and federal ). At that time, Wells Fargo was ( according to law ) to change the deed into their name regardless of the auction taking place or anyone bidding ( that is the law ). 
They did not. 

Next notification from Wells Fargo was in XXXX of XXXX stating a new auction date was set ( this violates the deed holder notification guideline which states deed holder has to be notified PRIOR to the set auction, which was in XXXX XXXX ). At that XXXX XXXX auction, legally the deed should have been out of XXXX XXXX 's ( deed holder ) name in XXXX XXXX since no notification was given to XXXX XXXX ( deed holder ) of the auction date being change, per LAW. 
This is what our complaint is. Because of this, we were unable to qualify for FHA home lending, or conventional lending ; the date of the foreclosure is marked by when the deed is taken out of the foreclosed on 's ( deed holder ) name. That should have been XXXX XXXX. Instead, because of Wells Fargo not following the guidelines or law of the State of Idaho or federal guidelines that date of foreclosure was n't recorded until the following year at a different auction. 

The information Wells Fargo provided on complaint XXXX did not address this complaint, and did not address that notice of auction in XXXX XXXX. In fact, Wells Fargo neglected to present that information and manipulated their report and the information they provided ( which we 've provided them ), omitting what they wanted in order to support THEIR case. Wells Fargo has neglected to acknowledge the actual complaint we filed in complaint XXXX with the XXXX XXXX XXXX XXXX XXXX. The resolution we request is to have a correction of deed recorded with XXXX XXXX. If that is not possible, then financial compensation in the form of a fine since their inability to do their job according to the LAW prevented XXXX XXXX from financing a new home 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 2022-11-19
Company: JPMORGAN CHASE & CO.
State: IL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I used the XXXX feature on my chase app. I made a purchase through XXXXXXXX and the merchant did not keep their end of the bargain and scammed me out of my money. I reached out to chase regarding getting my money back but they say they have no control over the issue. And cant unfortunately give me my money back. I made the purchase via XXXX on the chase app on XX/XX/22. The transaction amount was {$140.00}. Chase has connected me to multiple people and none can help me. They state that the money had already be credited to the other persons account and can not reverse the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
I have a issues with my MT BANK business account, the bank are holdings my money and that im not able to withdrawl any of my money, or do any kind types of transactions on my account, The bank says the purposes for this hold is to verifying my identity and in order to remove this hold or alart I would need to verify my identity, I did uploads all the documentation to help processing the verification and even go to the branch in person couples time already but they are not helping any bit. and they have been holding my money for almost a month! AND THEY TOLD ME THAT THE BANK ARE NOT ALLOW WITHDRAWL ANY FUND FOR ME BECAUSE MY ACCOUNT ARE NEWLY OPENED JUST A MONTH

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-26
Company: Resurgent Capital Services L.P.
State: SD
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The debt that was owned by LVNV Funding was sold to XXXX XXXX and the collection that LVNV used to own still appears in my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
On XXXX/XXXX/16 I spoke with a representative at Capital One resolutions department that offered me a settlement on a very old charge off account from many many years ago. XXXX representative assured me that if I paid the {$840.00} settlement offer, then the balance would be considered settled in full and would be updated with the XXXX credit bureaus to a {$0.00} balance. I made the settlement payment on XXXX/XXXX/16. This week my account was updated with the credit bureaus to a {$280.00} balance. This is not correct. This needs to be updated to a {$0.00} balance as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: NAVY FEDERAL CREDIT UNION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
my secured credit card gets a fraud just about every time I use it and this has not only caused me embarrassment and hours of time away from other obligations it has cost me monetary suffering. I made a complaint about this issue back in XXXX via phone and email but instead of getting a response and or resolution to the problem I was locked out of not only my credit card account but checking and savings account also without any valid reasoning behind this and I remained locked out from XXXX through XXXX leaving me unable to pay my bills, access my money or run my business as I was self employed. my vehicle was stolen along with my wallet and driver 's license, cards, checkbooks etc inside of it. I spent a countless number of hours sometimes up to one hour and 45 minutes at a time waiting for the fraud department to come on the line. I even went to a branch and sat in the lobby while on hold to show the staff that how impossible it was to resolve my issue if that specific department was the only one who could help me. once I finally got a hold of the fraud department and presented to them, my government issued temporary driver 's license, my social security card and even offered my birth certificate I was rudely told that my documents were unacceptable and when I asked for someone of hire authority to speak to I was told that there was no one about the fraud and security departments and that no money was to leave my account until I had received the non temporary government issued driver 's license. it takes weeks and sometimes months to get an appointment with the Texas XXXX post covid. so I had already waited weeks

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Credit Karma, LLC
State: NJ
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 received a message saying that I would be approved for new credit cards. I signed in and noticed there was a XXXX XXXX XXXX card. It said that if I was not approved, I would receive XXXX dollars. I applied but was not approved. 


XXXX XXXX has wasted over 2 weeks saying they are researching. Now they are saying that I am not eligible because I applied for the same card. I did not. My card with XXXX XXXX is an XXXX. It was already showing on my Credit Karma account BEFORE the XXXX dollar offer. I feel like Credit Karma might be running a scam but it is not helping my credit when I get turned down. I would NOT have applied if I thought I would be denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-08
Company: Alliant Capital Management LLC
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Greetings, I have been receiving anonymous calls and voicemails with my personal information being left on public voicemails from XXXX and XXXX. The calls have averaged over XXXX a day. I called the XXXX number name of the point of contact : XXXX XXXX ; and someone named XXXX answered and asked for my name, then provided me with the last XXXX digits of my SSN without verifying my identify. I advised him he should verify my identify before providing the last XXXX digits of my SSN. He then said what would someone do with your name and last XXXX digit of my SSN and became irate. I ended the call by stating I will report him to the CFPB. I have never received any correspondence in the mail for a debt owed and if received and legitimate will pay the debt. 

They are in violation of the Fair Debt Collection Practices Act by not providing me their actual company name, address, and business licensing number. They refuse to mail any correspondence for the debt owed and this is against the law. I am unsure if this is a scam or identify theft ; but all claims have to be legitimized!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: LJ Ross Associates
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I disputed the open date of this account on XX/XX/22. The account is XXXX years old but was reported to the credit bureau as open date XX/XX/22.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-28
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Credit Collection Services XXXX XXXX XXXX, MA XXXX you call this XXXX ( XXXX ) XXXX and they ask for your number to access your account and then they hang up the phone. This happened to me twice when I called. Can something be done about this?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
Capital one sent me an approved offer and opened the card but i did not like the car because of the credit limit. I tried to cancel it but their rep told me its a good card to have as it is related XXXX and u will get discounts. I hardly used it. One time i did not get their bill so i called them i found out i was one day late. i was upset as i m never late in payments. so i made the payment and told the rep to close it. what i found was for that one day late payment they reported my account as delinquent.. and since then i m regularly being denied credit. so i looked at my credit report and it was all clean except capital one all paid and closed but one day late. i talked to XXXX and they say it will remain in my file for 7 years. this is radiculous and destrou ying my credit rating and i m not able to get any loan despit a good credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: Experian Information Solutions Inc.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXX XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX  XXXX Bankruptcy XXXX XXXX Reference # : XXXX ; XXXX XXXX XXXX XXXX XXXXXXXX bankruptcydismissed Reference # : XXXX ; XXXX Bankruptcy XXXX XXXX XXXX bankruptcydischarged Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Problem with a purchase or transfer
Sub-issue: Charged for a purchase or transfer you did not make with the card

Complaint:
Hello, I was scammed out of {$30000.00} on XX/XX/2022 using my checking account and savings account and credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: Caliber Home Loans, Inc.
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
There was a huge rush at the end to prepare my documents and the HUD statement kept going back and forth because the Caliber Team XXXX XXXX XXXX XXXX could n't get it right. They finally said they got it right and I thought I had just had the most wonderful experience ever. 

I found several months later that they dropped for the final HUD the XXXX HOA fees that were part of the estimates and part of the first several HUD statements as we moved towards loan closure. In the back and forth Caliber obviously dropped the HOA fees, but when I started calling to find out why they HOA was past due and not paid the troubles started. 

Caliber Customer Service told me I had to call their own company and figure this out. They refused to. After that enraged me at such poor and troubling customer service, a manager finally said I will do this out of the goodness of my own heart. No that is n't a good message to deliver to a customer. So I tried calling the mortgage broker and left messages until I got XXXX team. Only to be told they did n't do anything wrong but they would look at this to see what they could do to help me! 

Again not the right type of message to give a customer. XXXX only made matters worse when she did return my call she went directly to : We provided everything in the HUD statement and you signed it. Not anything like we might have made a mistake, let 's find out. The arrogance and lack of humility has been in every statement from XXXX since. Calm down XXXX and do n't get upset ; you signed the HUD statement and if you did n't catch it then it was n't wrong. Not one word in her text or emails have been ; let 's see what might have happened. I have all of the original HUD Statements showing the fees covered, so what am I to think but Caliber made a mistake. To add the arrogance of not even indicating let us help to find if XXXX was made or not ; No Caliber is n't the type of company you want to work with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-23
Company: Ashfield Management Services Inc,
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
Received a call from a " process server '' to confirm address in order to serve me. Called my cell phone and my workplace. No info given, supposed server is a XXXX XXXX XXXX, was given the number XXXX to call with a reference number.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. 
XXXXXXXX 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 XXXXXXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-19
Company: LEXISNEXIS
State: IL
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:
It appears that my credit file has been compromised. Again, I was going through my records & noticed many information, accounts, or items which do not belong to me. Since Im a stickler for research, I found that under section 605b of the FCRA the 3 credit bureaus are required by law to remove & block any accounts or information which is found to be opened due to identity theft. The dispute items do not belong to me. Im attaching the required FTC Report for you and the bank 's records ( learned through more research both parties require ). Please remove these files. XXXX XXXX XXXX XXXX XXXXXXXX Balance : {$0.00} ; XXXX XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXX XXXX Balance : {$0.00} ; XXXX XXXXXXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXX Reference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Bankruptcy XXXX XXXXReference # : XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX bankruptcydismissed Reference # XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Reference # : XXXX ; If the credit bureaus feel there is a possibility these items belong to me I will require all documentation that bears my signature ( another research item I found that requires you to verify with 100 % accuracy that each item is 100 % true, accurate, correct, complete & VERIFIABLE ). If the credit bureaus do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly.

Company response to consumer: Closed with explanation