BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One of XXXX XXXX XXXX XXXX XXXX XXXX UT had reported XXXX/XXXX/XXXX to Experian Credit Bureau, that account # XXXX was not late XXXX XXXX, as Capital One had previously reported XXXX, XXXX of XXXX and XXXX XXXX. 
This inaccurate reporting effectively RE AGES the account to report past the statute of limitations for reporting to credit bureau under the Fair Credit Reporting Act. 
When I asked Capital One for a payment history from XXXX to XXXX, Capital One stated we delete old files. When I asked for signed copy of the application for validation of debt they did n't respond. 
I mailed to capital one copies of the early statements that I had on hand for XXXX and XXXX with late payments listed and Capital One did n't answer certified return receipt mail. 
The late charges on the statements are -- XXXX for {$29.00}, XXXX for {$29.00}, XXXX for {$29.00} XXXX for {$15.00}, XXXX for {$29.00}, XXXX for {$39.00}, XXXX for {$39.00}, XXXX for {$29.00}, XXXX for $ XXXX no change. 
The date of first delinquency is inaccurately reported. 
The payment history is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: TransferWise Ltd
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
I had a Wise account XXXX XXXX XXXX //wise.com XXXX with XXXX XXXX XXXX XXXX 

XXXX XXXX and XXXX... XX/XX/XXXX of XXXX ) After recieving a few payments they decided to forcerly close the acount, since I had " violated the terms and conditions ''. When inquired, They were not able to clarify what terms and conditions I was violating, leaving me out of the account and funds, They gave me access to a sequence of steps in which i had to fill a form and enter a bank account of my preference so they will send the money to that account. 

Picture XXXX... XX/XX/XXXX of XXXX Once I succesfully compled the form they replied by email saying " money is on its way '' and it should take about XXXX working days XXXX at most '' ( not providing transaction receipt of any sort ) Picture XXXX XX/XX/XXXX of XXXX After XXXX working days had passed I contacted via mail asking about the money with no reply. Then I tried calling customer service XXXX  times, They told me something different and vague each time, and ended up telling me to send an email to XXXX XXXX XXXX ( the same address they didnt reply before ). 

Picture XXXX ... XXXX the XXXX of XXXX I sent a second email telling them to stop ignoring and playing with my time and money or I will make a complait to the CFPB, still no reply. 

Picture XXXX, Present day ) If I go through the customer center where they explain how to get the funds from a closed account they let me check me account status, when i enter my account details it says that the money has been refunded already.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Application processing delay

Complaint:
Applied for a credit card with Capital One. Application process makes you jump through all these hoops, including income verification through fax/snail mail, which is insulting considering no other credit card issuer requires that information ( and considering my previous account with CapOne ). I subsequently provide the necessary documentation through their antiquated methods ( i.e., fax ). Three weeks go by without hearing back prompting a call to customer service. Customer service is inept, ca n't find the info to process the application, refuse to do anything else to help. Absolutely done with this company, they 've lost a customer for life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My bank is USAA : - XXXX unauthorized debits were made to my checking account on XXXX/XXXX/15. Amounts were for {$100.00}, {$6.00}, and {$6000.00}. 
- USAA did not detect these and call me. I detected the discrepancy and called as soon as I was made aware of the unathorized transactions. 
- USAA credited my account back in full for the amounts on XXXX/XXXX/15. USAA never called me to tell me that the account was being credited. 
- Several forms and affidavit were mailed to my home address asking me to explain the situations. Thinking the situation was resolved, I disregarded the requests. Again, USAA never contacted me with instructions. 
- On XXXX/XXXX/15, USAA debited my account for {$6000.00} since I had not returned the forms. The Bank never called me to let me know that they would debit my account for {$6000.00} if I did not return the forms. 
- In XXXX '15, I mailed all proper documentation to USAA including notorized affidavit. The Bank has received forms and has had them on file for over 30 days. 
- As of today, I still do not have the {$6000.00} credited back to my account. When I call USAA, they say that they are awaiting for the XXXX party bank to release funds back to USAA so that my account can be credited. USAA has provided terrible communication on this matter. They rarely call me to provide a status update. The Bank has yet to confirm whether the initial issue was fraud or bank error. I have no estimated time of completion on this account issue. As a consumer, I do not know what my rights are in this case. Funds of {$6000.00} were clearly debited from my checking account in error back in XXXX '15, and I am not sure why I am the party still at a loss when I did nothing wrong. 
- Can you help?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: CCS Financial Services, Inc.
State: MI
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 changed Auto Insurance Companies and for some reason XXXX XXXX thinks I owe them {$190.00}. I have requested written verification of this debt and unfortunately every time I do the debt is sold off to a different collection agencies.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-25
Company: Early Warning Services, LLC
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I Had a XXXX XXXX and it was cancelled due to putting someone else Check, and ever since then I could never open a bank account in XXXX XXXX XXXX, anywhere I go wont let me open an account, all I have is XXXX XXXX XXXX but they are not real banks, I need help to fix my credit report, I know I messed up my credit report for taking money out to other people, is all in my statements where the money went and whatever the issue may be, need a program or anything to fix my credit score or a Bank I can go to, to show I am responsible and I just got carried away

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: EQUIFAX, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX  - {$1300.00} Open balance Unauthorized/Erroneous Account RESULT OF the Equifax Data Breach Direct Violation of The FCRA Reporting falsely Misleading False Reporting This account is negligently and inaccurately reporting failing to comply to 15 USC 1681. 

please provide original documents! this is not mine I have no record of ever having this account.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
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:
on XX/XX/2022 I contacted Transunion that there was inaccurate information on my credit profile and asked for it to be removed and nothing was done it has now been 60 days and the item is still there, 1681. Congressional findings and statement of purpose ( a ) Accuracy and fairness of credit reporting Congress makes the following findings : ( 1 ) The banking system depends on fair and accurate credit reporting. Inaccurate credit reports directly impair the efficiency of the banking system, and unfair credit reporting methods undermine public confidence, which is essential to the continued functioning of the banking system. 
( 2 ) An elaborate mechanism has been developed for investigating and evaluating the credit worthiness, credit standing, credit capacity, character, and general reputation of consumers. 
( 3 ) Consumer reporting agencies have assumed a vital role in assembling and evaluating consumer credit and other information on consumers. 
( 4 ) There is a need to ensure that consumer reporting agencies I ask that these items be removed from my credit profile at once. 

Sincerely, 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 non-monetary relief
Consumer complaint received 2016-08-07
Company: Conduent Incorporated
State: FL
Product: Prepaid card
Sub-product: Government benefit payment card
Issue: Fraud or scam

Complaint:
Eppicard does not want to reimburse me for fraudulent transactions done on my card. I use the card to keep my children 's child support separate from my checking account. I do not receive payments as agreed in the divorce decree. The last payment I received before this incident was on XX/XX/2016. I checked my account online on my birthday on XX/XX/2016 it said that there was a deposit on XX/XX/2016. I called my card on XX/XX/2016 to verify the balance. The automated system said that I had a XXXX balance. I called and spoke to a representative who said that I need to file a complaint which I did. I received the results to the investigation which stated that I am lying and they will not refund my money. I have had an eppicard for 4 or 5 years and have never complained of any mistakes or discrepancies. I complained that someone stole my information and stole the {$89.00} that was support for my children and they accuse me of lying. Realistically the odds of someone stealing my card information and my money is greater than me withdrawing the funds and telling them that I did not. I want my money.

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 2022-08-24
Company: Navient Solutions, LLC.
State: VA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
I am attaching a letter I received regarding this loan. First- it was not allowed to be paused during the pandemic. They constantly harassed us during the entire time. Secondly, we have received significant correspondence regarding the transfer of the loan from Navient to aidvantage. Yet, we are hounded as our friends and neighbors by Navient. This process is criminal as they are no longer supposed to be handling our account. In order to keep our credit in order and because of the harassment I have paid them, but I really don't like it as I don't feel they are legitimate but I am fearful by the calls and emails. However, you can never return an email to them or get the same person on the phone. This is absurd- We are retirees and the debt has doubled due to Navient.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX accordance with the Fair Credit Reporting act XXXX Account # XXXX, XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions

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 2016-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I spoke with them few months back, after my mother had became very sick. Explained that with her health problems, I need to reduce or delay my payments. They subjected the hardship program, said it would defer my payment for 12 months. I accepted and everything was fine for few months, then started getting treating calls & letters. I expected that since the offered me the program they should at least live up to there terms that they agreeded to. Wish I had never had anything to do with these people!! Do n't keep there word or agreements!!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Received a call from XXXX indicating I owed a credit card bill to Capital One from 2001. My niece also received a call from them asking about my whereabouts. My niece would have been a XXXX in 2001 and would know nothing about a credit card in my name. I asked to receive something in writing from them about this account and he refused to send me anything. He further stated that he was going to send this back to the lender as a refusal on my part.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: The CMI Group, Inc.
State: UT
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:
I have disputed this account several times and provided information related to the identity theft and fraud. This account is not mine has never been mine and is a result of identity theft.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-19
Company: Kriya Capital, LLC
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
the guy said my credit card number so many times I had to ask him to stop saying it he had it the first time. he gave up the expiration date and the XXXX digit code om the back. if i get any unwanted charges on it it came from them

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 2022-12-30
Company: Source Receivables Management LLC
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
XXXX XXXX, XXXX XXXX stole my identity. I had to file a police report - this is one of many items that I don't owe stolen by these two people. XXXX XXXX is wanted for breaking and entering other buildings, too. 

I previously filed a complaint with XXXX XXXX XXXXnd they failed to provide any identifying information. My email address is XXXX. 

There were three other companies that tried the same shenanigans.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: CMG MORTGAGE, INC
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My loan was transferred from XXXX to CMG in XXXX of XXXX  after a lengthy process and lots of problems that I ended up filing a complaint on ( you can see all those details on my account here ). Now CMG is doing the same things pretty much. My home owners insurance was XXXX XX/XX/2022 and is now past due because CMG hasn't made the payment. I have been on the phone with approximately 8 people today and all know nothing about what is going on, I asked to talk to escrow and can't seem to get anyone to transfer me to escrow. I pay my payment every single month and they take my escrow out every single month yet they aren't paying the bills that it is to be utilized for. I called and verified with my insurance department that the bill was mailed to the right place and the loan number was correct, and asked them to fax it over to the number that one of the many representatives that I talked to had given me ( she did it while I was on the phone as well as emailed me a copy ), I know they have what they need to pay the bill, they are negligent. I have looked at this companies reviews on the internet and this is not an isolated problem, this is a MAJOR problem and is not okay. I just want to know that my stuff is being taken care of ... .last year I had to pay my taxes out of my pocket even though I paid escrow each month to cover that, and I never got reimbursed for it. Now, looks like I'll have to pay my insurance out of my pocket even though they have my money sitting in the escrow account to pay it. I've asked to not have my taxes and insurance escrowed and let me just handle it myself and was told that it is required that my loan has escrow.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-30
Company: EQUIFAX, INC.
State: SC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
My name is XXXX XXXX and Your agency Violated my rights to privacy. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here. 

15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ( a ) Accuracy and fairness of credit reporting The Congress makes the following findings : ( 4 ) There is a need to ensure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: UMB FINANCIAL CORPORATION
State: CO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
The custody of my HSA account transferred from XXXX to XXXX XXXX on XX/XX/2022. I had a pending {$340.00} Credit to my account at XXXX that became a permanent credit as of a letter received XX/XX/2022. On XX/XX/2022 I called XXXX XXXX to ask them to transfer the {$340.00} that was apparently " stuck '' at XXXX. I was assured that the funds would be debited from XXXX and credited to XXXX and was provided case # XXXX. The funds were debited from XXXX on XX/XX/2022 and were never credited to XXXX. On XX/XX/2022 I called XXXX and requested status but there was no record of my previous requests so I submitted a new case # XXXX and provided a copy of the letter I received from XX/XX/2022 showing the {$340.00} credit was permanent. I was told the credit would apply to my account in XXXX business days. On XX/XX/2022 and XX/XX/2022 I called both XXXX and XXXX and both at the same time on a conference call. Neither bank shows any record of the {$340.00} ever being credited to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: Experian Information Solutions Inc.
State: IL
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:
A few months I disputed an unknown debt with XXXX XXXX and it was removed from my credit report. Now, late XXXX or early sometime this month, the debt was added back to my credit report under the collections agency of XXXX XXXX. I disputed this recent debt earlier this month and it was n't 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 non-monetary relief
Consumer complaint received 2022-08-03
Company: CAINE & WEINER COMPANY, INC.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
XX/XX/2018 I opened an account with XXXX  XXXX   for {$470.00}. A few months later my car was totaled and instead of accepting my claim which wouldve been covered under out insurance agreement they claimed my insurance was opened fraudulently. It took years for XXXX to finally work with me to remove the car loan from XXXX XXXX  the financier of my car after I finally found of I can report them to the XXXX XXXX XXXX They listened to the XXXX  and removed the accounts but now Im seeing a collection for money owed to XXXX  from a collection agency called CAINE & WEINER for {$700.00}. I owe XXXX  nothing. If anything they owe me money but I have no funds to sue them! They have no proof that I owe anything and I have proof from the XXXX, and XXXX XXXX  ( who they claimed I did fraud on ), that I did no fraud and owe XXXX  XXXX  nothing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Experian Information Solutions Inc.
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX, has violated my rights. 

15 U.S.C. 1681 Section 602 A States 1 have the right to privacy.

15 U.S.C. Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a count with out written instructions.

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