BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On Sunday XXXX XXXX 2016 about XXXX XXXX I called Capital One in reference to another debt card for my son since his expires the end of the month. I understand it 's not my account but my son has a XXXX in which he can not read and it is difficult to read numbers. So as soon as the customer service representative answered the call my son told him his name and gave me permission to speak on his account. I tried to explain my sons XXXX but the representative was not helping. He was belittling me and my son. My son was not able to read his social security number without my help. The agent would not transfer me to a supervisor he said no supervisor was working and I would have to call back on Monday. The representatives was actually yelling at me and my son. He said his name was XXXX. My son was reminding in the worst way of being special needs! I called back 10 minutes later and ask for a manager or supervisor the young lady was very helpful because the supervisor was on another line. I finally just spoke with that young lady ( customer service representative ) and was put on hold for the supervisor after we finish checking on another card. When the supervisor pick up the phone of course the call disconnected.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/16 I purchased a shake sample with no contract or commitment. It said if cancelled within 13 days there would not be an auto ship. I cancelled the next day. I have a XXXX. I sent a email to the company the very next day and had confirmation that it was cancelled. The company billed me anyway. I made a mistake by filling a dispute with Capitol One as apposed to contacting the company. Despite my proof that I was NOT in the wrong, Capitol One re-billed the charge almost immediately. I spent 50 days and numerous hours trying to contact my " specialist '' whom I never was able to reach. I was lied to, told the dispute was not closed while I was getting letters saying the closed my case. I was reduced to tears and felt help helpless. I finally called the company. I was crying. They said they could n't believe Capitol One has put me through this ordeal as they could see that I was not in the wrong and they apologized profusely. They said since it was in a depute process, they could n't help. I contacted Capitol One again to learn that they refused to help me ...

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-25
Company: New Century Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I filed a complaint with you against XXXX & XXXX and sent documentation of the paid debt to you. They were still allowed to take money out of my bank account and place holds on my motor vehicle registration until I paid the amount they listed. After seeing your action dated today I am wondering if I will receive any of the money taken from me. I also have an additional complaint ( # XXXX, Merchandise Credit Guide ) with you that I have not received any response from. I am concerned that the penalties received are not being given to the people wrongfully strong armed into paying and not receiving the money back. Please reply.

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 2017-02-23
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I started being a Chase customer back in XX/XX/XXXX. In XX/XX/XXXX, I started my first Credit Card with chase and eventually had XXXX with up until XX/XX/XXXX. In the beginning of the last year, they continued to send out a new card that I never received and I notified them that there customer representatives did not send it to the correct address including the branch. I called to notify them that somebody had either received the card or the numbers a racked up a balance of over {$5000.00} dollars. As I continuously contacted them of the following information the balance increased. When I sent a formal complaint to their headquarters they cancelled all my cards and claimed it was due to " breaking bank policy ''. However, as all banks have clearly stated there is a " zero tolerance '' for fraud or misuse of cards by other 's. I continuously called customer service and either was disconnected or was told a different story. To date, I have never been late on any of my credit cards or debt/payments. Chase eventually agreed to settle on the balance even though that is not the solution I wanted and I agreed to the terms if and only if the " breaking of the bank policy " is removed and that it clearly noted that I settled in good favor. However, now they have reported to the Credit Bureau 's that I was two months late ( XX/XX/XXXX and XX/XX/XXXX ) and only paid 50 %. This is not true because the balance was not mine to begin with. Instead, I was making an effort to walk away from company not standing by their values or customer. This is now and will be reflected on my credit report as a negative sign for the next 7 years. I feel that Chase should remove this and allow for it to closed case as they were paid. In addition, they also charged me late fees as interest for a balance that was not mine. I would like to have this matter investigated as it is crucial and does effect my financial state.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
I submitted a complaint about CAPITOL ONE, regarding Home Equity Account # XXXX on XXXX/XXXX/2015. This is an addendum to my previous complaint. 
Please see the letter attached, which I am sending to Capitol One today. It details the arbitrary changes they have made to my account since my conversations with them last week.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I think it sucks that Capitol One Checking does not tell upfront about needing a savings account opened before you apply for their online fee free checking account. It really was a waste of my time after learning about this policy of theirs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Kohls company will call XXXX times a day, will not leave a message, and is at all hours of the day. I set up a payment to be automatically taken from my account on a specific day. That day I looked in my account and saw it was pending. Kohls company called me XXXX times even though I had made the payment. They need a better system.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: Jim Bottin Enterprises, Inc
State: MA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I came into contact with ABC Financial as they manage the billing for XXXX and I began a two year membership in XXXX XXXX. I had moved more than 25 miles away ( XXXX of the requirements for cancellation ) and so I sent in the {$99.00} cancellation fee as well as a copy of the first page of my lease and the required cancellation document in XXXX XXXX. The check ( which included " membership cancellation '' on the information line ) was processed on XXXX XXXX, XXXX and so I assumed that that meant my membership would be cancelled since it seems improper to process a " membership cancellation '' check for any other reason. I then received a text in XXXX saying my billing method was invalid along with a yearly membership charge and a monthly membership charge ( these charges, as you can see in the attached document, were said to be " made at club '' but I have not visited the gym since XXXX so they were made against my will ). I called in and was told that they would talk with their billing department and try to locate the cancellation. I was called back around a week later and told that while they had processed my " membership cancellation '' check they were unable to locate my membership cancellation form ( even though these were all included in the same envelope and would have been received if the check had been processed ). Instead of admitting any fault they informed me that I would have to re-send my cancellation and that I would still be responsible for all of the months between when my original cancellation was received XXXX XXXX XXXX ) and when my new cancellation would be received XXXX XXXX XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-23
Company: CCS Financial Services, Inc.
State: AR
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
I do n't know how they got my cell number. I told them would deal onlybwith the original company and to stop harassing me. They called again after sending the do not contact messsage and told them I would report them. They have contacted people whose is of no concern my business.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I contacted capital one few times and I explain to them I have n't open up any accounts and I have XXXX inquiries on my credit report I never applied for credit card Credit inquiries XX/XX/2016 XX/XX/2016 XX/XX/2016 XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
Please reference case # XXXX I have tired to contact XXXX Capital One cooperate office ext XXXX but it is always busy. I have called through the call center several only to be told that they have no way to reach her so I end up calling later to speak to someone else who researches my account and then emails XXXX. This has been going since 1 month. I was advised by XXXX that she needed more time to research things, and still have not heard back from Capital One. I am requesting that Capital One pay the interest fees to my other creditors due to Capital One refusing to pay them due to the fraud activity on my account. Capital One was aware that I had used the Access checks for a balance transfer and advised that they would reissue the Access checks, but some reason they have failed to due so and now I have a big mess to deal with. The other creditors closed my accounts and placed this on my credit report. I also requested a letter from Capital One stating that I had fraud on my acct but never received a letter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due as of XXXX 2016 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 2015-07-14
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was off on maternity leave and my husband was laid off also, I just went back to work and my husband is still not working so I went to my lenders and asked if they would modify my loan with them they told me that I could n't because my loan is n't really a mortgage loan it is called a XXXX loan and they do n't modify those. I asked if there were anything else that can be done they told me no. I was n't aware when I closed on my home it was n't a mortgage loan. 
I 'm filing this complaint because I need assistant with saving my home and are open for any suggestions that you may have to assist me in doing so.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: Navient Solutions, LLC.
State: NY
Product: Debt collection
Sub-product: Federal student loan
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Contacted someone not even related to me regarding my debt!!!!

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 2016-05-04
Company: Supreme Lending
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
XXXX XXXX ( DBA Supreme Lending ) NMLS ID # XXXX is the lender and XXXX XXXX of XXXX XXXX is their loan officer. Have gotten false and conflicting information consistently from XXXX and his office and have tried contacting both the regional manager ( XXXX XXXX ) and the branch overseer in Texas ( XXXX XXXX ) and received no response whatsoever. Disclosures came in wildly different than what XXXX represented on the phone and then he promised orally to send new ones that were correct and took weeks and much cajoling to do it even and they were STiLL wrong. Months of delays and then tells us that the files still have n't gone to underwriting because " they fell through the cracks, '' then he says later that it was " customary procedure '' for them not to get the file approved until AFTER an appraisal, which was n't ordered until weeks after the file was at Supreme Lending. When challenged, he then said that 's the way Supreme Lending does it. That 's odd, since they are charging the borrower for the appraisal even before they know if they can do the loan. Furthermore they did n't even ORDER the appraisal for a month while they had the entire file in their possession. Furthermore, XXXX prior lending partner ordered an appraisal for XXXX of the properties and it was completed and never paid for ( the company went out of business ), so the appraiser is going after US for the payment because he refuses to do the right thing and pay them and get a correct appraisal at the same time. Now they are using a demonstrably WRONG appraisal as the new basis for doing the loan at a much reduced value. We have detailed the inaccuracies and they have taken a week to respond and then basically said they were n't going to do anything about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: NCB Management Services Inc.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I am the only person on the debt. XXXX XXXX from NCBI called my husband at work and proceeded to tell him about the debt. He is not on the debt nor is he responsible. We have been having issues and now he is talking about leaving me due to him being contacted, especially at a work number. I am not working nor able to at the moment. She also lied and said she was a representative of XXXX XXXX and kept saying she needed a formal agreement for me to make payments before she could hang up. I want something done. NCBI or NCB Managment can not be trusted. They lie and do whatever they can get by with to get you to pay. Also I never received any paperwork from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-11
Company: First Data Corporation
State: MO
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:
On XXXX XXXX 2016 I had a check declined at our local XXXX XXXX store. I was given a ticket with a phone number to TeleCheck to find out the reason my check was not accepted. After several attempts I was able to speak with a representative with TRS Recovery Services. They informed me a check of mine written on XXXX XXXX, 2016 at XXXX XXXX did not clear and they would wave their fee of {$50.00} if I wished to give them my credit card number and pay over the phone. I told them I had no record of buying anything on this date and would not give them my credit card number not knowing if this was a scam. I asked why I had not received anything by mail informing me of this situation, but was not given an answer. I was instructed to go to their website and file a dispute claim if I felt this was an error. I have looked at their website and their claim form and it is requesting all my personal information such as social security number, drivers license number, bank account and routing numbers. I do not feel comfortable providing a company I have never heard of this information. While investigating this company on line I have seen several sites with comments of this being a scam and or a poorly run company that makes many errors in collecting for inproper payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: Kriya Capital, LLC
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
My son and I were in an XXXX in XXXX 2015 and covered by XXXX XXXX XXXX. He was taken by ambulance to the hospital by XXXX XXXX XXXX. The insurance covered up to {$5000.00} in medical expenses. I provided XXXX XXXX the accident claim # XXXX. Now I have received a {$2100.00} collection bill from Credence. I am not responsible for this and XXXX XXXX has failed to collect payment from 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 2015-05-20
Company: Shellpoint Partners, LLC
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am a single XXXX XXXX mother of XXXX children and have fallenbehind on my first mortgage payments to the XXXX XXXX XXXX XXXX XXXX, Trustee. My loan is serviced by Shellpoint Mortgage Servicing. I haveapplied for a loan modification and have supplied all the necessarydocuments, in some cases several times. I do n't believe that I ambeing treated fairly or that my information is being properly considered. 
I would like your help in get a loan modification so that I can save myhome.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: WHEELS FINANCIAL GROUP, LLC.
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
XXXX LOANMART, Wheels Financial Group , LLC XXXX LoanMart ( " LoanMart '' ) operating out of XXXX CA, phone number ( XXXX was informed that the loan reported on my credit report was as a result of Identity Theft. For the past XXXX years, my credit report has a security freeze with instructions to call my cell phone before granting a credit. The people who keep using my social security number, have attempted several times to apply for the credit and those creditors who follow the instructions and have adequate policies and procedures when the security freeze is showing up, they all call me and I stop the process. I have never received any communication prior to granting this credit by the LoanMart nor have I authorized it. After I disputed this information, instead of reviewing their own file and identifying the gaps, LoanMart sent me a letter with XXXX items for me to provide : XXXX ) A signed copy of an Affidavit of Identity Theft == & gt ; there was nothing attached to the letter, which Affidavit would be satisfying for them? 
XXXX ) A copy of the police report ( matching the police report case number that I filed and already provided ) 3 ) a copy of my personal identification I have a problem with providing my personal identification as well as the police report to the company that does not have proper Customer Identification Program ( CIP ). Had they followed proper XXXX, they would identify that the person applying for the loan was doing so fraudulently. I have no confidence in this company that if I send copy of my ID and a police report, that it will be properly handled. Hence, I refuse to provide copy of these documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
Despite multiple written requests, the unverified accounts listed below continue to report on my credit report in violation of federal law. The last letter I sent to the 3 credit bureaus was dated XX/XX/22 but I never received a response from them. These accounts must be validated in accordance with Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) ( A ). If the credit bureaus do not validate these accounts, I will take legal action against them. Please follow the law so that this matter can be resolved as soon as possible. 


XXXX  XXXX Balance : {$12000.00} XXXX XXXX XXXX XXXX Balance : {$2500.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-08-25
Company: Ocwen Financial Corporation
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Seized or attempted to seize your property

Complaint:
XXXX XXXX XXXX, XXXX now XXXX XXXX XXXX, XXXX ( California Secretary of State Organization Control Identification Number XXXX ) has misrepresented facts pertaining to its business as a real estate purchaser when in fact it is a debt collector and purchaser of unsecured legacy assets that are intangible. 
XXXX alleged it purchased a Deed of Trust lien on real property on XX/XX/2014 from trustee XXXX XXXX XXXX XXXX XXXX acting under Deed of Trust number XXXX XXXX, however, the purported beneficiary OCWEN LOAN SERVICING , LLC has confirmed that the proceeds from the foreclosure sale was not received. Require XXXX XXXX XXXX, XXXX to produce proof of payment made to the trustee or other party. Provide a readable copy of the check both front and back ensuring the account numbers, names, dates are visible. 

Require XXXX XXXX XXXX, XXXX to describe the foreclosure sale it was involved in : 1 ) A non judicial foreclosure sale ; or 2 ) Judicial Foreclosure Sale. Respond in kind.

Company response to consumer: Closed with explanation