BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-03-06
Company: CCS Financial Services, Inc.
State: MI
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I 've been disputing a derogatory account on my credit file and I wrote to the company after they validated the debt and asked for proof of the debt being mine ( signed agreement with this company ) on XX/XX/2017. On XX/XX/2017 I received my XXXX credit report stating that the account ( s ) had been updated ; however I did n't see where any major information had changed. I called XXXX and the representative told me that they just updated the origination date. However, the company never provided any documentation validating this account.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have never had an account with Capital One Bank USA NA yet they fraudulently opened an account in my name and have been having XXXX of their other subsidiaries, Capital One Services LLC send me payment notices. I have spoken with and written to them yet they persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Balance transfer

Complaint:
I applied for a 0 % XXXX transfer credit card with Capital One, I was planing on using it to transfer a credit card balance of XXXX. I was approved for XXXX. I called them once I got the card to make the transfer, I was told I had to wait XXXX days. When I called after 10 days I was told there was no balance transfer offer approved for me, this was news to me! I called back and spoke to a different person who told me I did have the transfer offer on my account, so I just made the minimum payment on my other XXXX. When I called back to initiate the transfer I was told again there was no such offer for my account. have a credit score in the neighborhood of XXXX, besides my mortgage this would be my only debt. I have a networth of of over XXXX, so not a highrisk customer. 
Because of there missrepresantation I ended up having to pay interest on my othercard which I could have avoided if Capital one had honored the offer I was approved for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
credit collection services XXXX XXXX XXXX XXXX ma XXXX is collecting for XXXX. file # XXXX XXXX acct XXXX for {$460.00}. I wrote to XXXX and CCS about the amount which is wrong. I had secured other auto insurance. XXXX is trying to say this is owed for 20 days?! not true when my monthly payment was {$160.00} for 30 days! I am asking for you to step in and investigate.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-29
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 XX/XX/2010, 60 days XX/XX/2010 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 2016-10-30
Company: Kimball, Tirey & St. John LLP
State: CA
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:
There was a XXXX committed on me by than spouse I filed XXXX in which manager of apartment complex served than spouse. My yearly lease was up month prior and I signed a one month lease informing manager I would be moving next month. So upon restraining order I moved. Than spouse and manager were in an agreement which I was not apart of that he was staying in residence. Than bill he actually owed fell on me when he could not be contacted 6 months later due to being incarcerated for another domestic violence on myself. I sent copies to form as proof. Than suddenly it showed on my credit report I owed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
XXXX M I XXXX XXXX XXXX XXXX # XXXX, XXXX, CA-XXXXCapital OneXXXX XXXX XXXX, XXXX XXXX XXXX, UT XXXX : Account # XXXXDear Capital One, I have been a good customer with your company since XX/XX/XXXX.I am enjoy doing business with your company and have been pleased over the years. Currently I have XXXX open Capital One accountsAnd maintain good standing. ( Accounts Last XXXX numbers XXXX XXXX XXXX XXXX ) I am writing to request a " goodwill '' adjustment be made to above mentioned accounts with the XXXX major credit reporting agencies. 
Although I made a late payment on XX/XX/XXXX, I have an excellent payments history otherwise My monthly payments are always on time. Please consider removing the negative payments reported by your company from my credit reports. The late payment was a temporary oversight and it has not occurred since that time. The late payments I am requesting deleted and / or removed occurred on XX/XX/XXXX. 
These late payments do not reflect my overall good payment history with your company and I would like them removed. I experienced a temporary loss of income due to unemployment. Again, I really enjoy business with your company and hope to continue a satisfying in the future. Please make into consideration my loyalty to your company and work with me to remove these negative marks from my credit reports. 
I look forward to hearing from you soon. 
SincerelyXXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-26
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:
I have received a collection notice from a collection agency in the name of XXXX. I am pretty sure this is not my debt since I have not visited a doctor since 2002 and have never used XXXX as far as I know. It could be for XXXX my family members under my insurance but why is it being sent to me in my name and why did XXXX never send a bill?

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-20
Company: Byrider Franchising, LLC
State: NJ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
Hello, what happened was I ended up getting the car I got with loan threw J.D Byrider. As the car got stolen, n reported stolen whomever stole hit totaled the vehicle and left it. The state police around XXXX, nj found it and brought it to a towing place in XXXX, nj. Filed the stolen car report and it took 8 months for cnac to place claim. When it finally went threw it was only XXXX XXXX and sum deducted from loan pay out. That was full coverage I had, usually full coverage, theft, etc. J.D.Byrider did n't even go n take pics. To put claim in! They expect me to pay back the loan, I have n't the vehicle, n as I said got their full coverage threw their co.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
RE : Household Finance HFC is apparently the parent company of XXXX. I have XXXX accounts with XXXX, and they both are in good standing. I came across a situation whereby I was trying to protect XXXX of my credit cards from being charged by a disreputable corporation ( XXXX and XXXX as partners ). I closed the credit card in question and asked for a new card. Without my permission, the corporation contacted HFC and HFC gave my new credit card information to XXXX. As a result of the action taken by HFC, I have been denied the choice/preference of how I wanted to protect myself from this charge by the corporation. As a result of the action of HFC to freely and illegally release my credit card information, which I wanted to keep confidential, I am now being forced to deal with the corporation and their charges in a manner which I find reprehensible, undesirable and a threat to my financial situation. I feel that HFC should be held accountable for their illegal disclosure of my credit card account number and they should suffer the loss, as the corporation I am dealing with has a multitude of complaints about poor and dishonest service and, as a matter of fact, has a complaint pending with the FTC. My credit card information should be MY personal and private information, and NOT something HFC can distribute for use without my permission. I wonder how many more people can now have access to, and enjoy the freedom of use in submitting an unauthorized charged to my credit card. I have filed a dispute with XXXX XXXX over the charge. HFC has obviously resorted to deceptive trade practices, thereby enabling XXXX to fraudulently charge my account. Complaints by consumers about deceptive and fraudulent trade practices run into the hundreds, if not thousands, by XXXX and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
XXXX consumer complaint for same issue. 
There was no explanation given why I answered XXXX questions as someone else to obtain my credit report. There needs to be actual communication with me, the consumer, and resolution. It is unfair to close this by saying " it appears you are not being confused with someone with a similar name '' when I clearly am! 

You need to look at the XXXX initial security questions the online site asked. In my first attempt, I could not log on answering the questions as myself. I tried again about XXXX hour later and XXXX of the XXXX questions were geared for my sister in law, XXXX XXXX XXXX. ( XXXX XXXX did you live in 2002, answer XXXX XXXX, XXXX, what was your phone number, all XXXX area code numbers ; I have NEVER lived in XXXX, she just moved from there!! ) I consulted with her and successfully answered them as she advised me. I was then given a XXXX additional security question regarding the type of car I currently own. The correct answer was a Ford Fusion, which is what SHE owns, not ME! 

I agree I was eventually able to log on and check my free credit report the 2nd time answering the questions as her, not me. I do n't believe Trans Union has done enough at all to verify where the confusion IN THEIR SYSTEM is from. Please research, fix it, and advise. Thank you.

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 2015-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SD
Product: Credit card
Issue: Other fee

Complaint:
This is now my second concern regarding the same issue. I had to reach out to this agency approximately 1 year ago. This card was to have to ridiculous annual fee removed. I have attached a screen shot of the response from the company stating they have " permenantly '' removed the annual fee.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Other fee

Complaint:
XXXX XXXX XXXX, Mo. XXXX Re : Capital One-Committing Fraud I owe Capital One {$170.00}. I asked Capital One to close account because I do n't Trust Them. They keep adding Bogus Charges to make Balance Higher. 

I want this matter resolved by me paying them what is Actually owed of {$170.00}. Account Closed with No Balance Owed after paying {$170.00}. 

Waiting for your reply, XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I am an victim of ID theft my information was stolen and I have multiple problem because of this, I am dispute an account with capitol one card I se I send the a letter stated them to validate the debit and the only thing they send me back was statement, I spoke with a lady in the fraud department on XX/XX/2016 by the name XXXX stated that the account is my bea because of my phone number, I ask her to send me a copy of the credit, I do applicant and she could n't, and no response, I send over police report to capital one and a letter asking validate the debit and no help

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
On XX/XX/XXXX Capital One auto finance illegally took a payment out of my bank account.The payment was scheduled for Fri XX/XX/2016.And the agent put in the date for XX/XX/2016. It has caused all of my bills to bounce and my account is overdrawn.I have spoken to XXXX the account resolution specialists.And they want me to fill out a refund form and fax it back and do all of these things that we are not responsible for.The agent did pull the call and did verify that we did indeed request the payment to be scheduled for XX/XX/XXXX. and not XX/XX/XXXX. They are having a hard time putting the money back into the account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
Capital One Credit only accepts payments up until XXXX EST to be credited for the same business day or face a late fee. If you live on the west coast you have 3 hours less to pay and may be subject to a late payment as a result. Not everyone lives on the East Coast. It seems plainly unfair that people living in one part of the country should be given an advantage over others, just based on where they choose to live.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My credit card was stolen when my house was broken into then my card was used at several different places I did not report it until I seen the transactions 2 weeks later capital one is trying to not to refund me the fraudulent translations as they stated I do n't fit there criteria! Highly upset

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
the law office of XXXX XXXX XXXX filed motions in court in a small claims case, where another attorney was involved in suing me. XXXX XXXX XXXX has a different bond number that that of the attorney suing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Other

Complaint:
The following inquires are on my credit report and I did NOT give approval or permission to run my credit. I 've sent letter to the creditors and the Bureaus and have not heard back from them. These inquires needs to be REMOVED. 

XXXX XXXX, 2015 XXXX XXXX, 2015 Bank Creditor Contact Details CAP ONE XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX ( XXXX ) XXXX Please help me in getting these items deleted. I 've tried all I can.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
In XXXX 1999, I bought a 1999 XXXX XXXX with a loan from XXXX XXXX XXXX, then headquartered in the state of XXXX. I paid off the loan a few years ago, receiving a title of the car a few years ago. Unfortunately, I lost that title, going to apply for a copy of the title last week. However, according to my state 's ( XXXX ) Bureau of Motor Vehicles ( BMV ), the lien on the car was NEVER released by XXXX. Hence, unless I brought that lien-release document, I will not be able to get a copy of my lost car title. Therefore, I XXXX the Internet, finding out that XXXX has been purchased by Capital One Bank, headquartered at XXXX. I called the number indicated, speaking with a man, who, after listening to the reason for my call, transferred me to speak with the Department in charge of handling my case, namely, CUSTOMER SERVICE, and I was provided a menu of items to select. I picked the item, namely, " Car Title, '' being asked to provide my social-security number, as well as my date of birth. After doing so, I heard : " Good-bye, '' nothing coming out of that transferred call. I called the headquarters ' phone number again, and, at that time, a lady answered. After I had told her the reason for my call, she asked me to hold on to be transferred to a Department, namely, RECOVERY, which was different from the one previously indicated by the man, with whom I had earlier spoken. After hearing a menu of items, I picked the one I needed : Car Title. When I heard the same FIRST command, namely, " State your social-security number, '' I immediately hang up, calling the Federal Reserve Consumer Office. The first person I spoke with gave me the ( phone ) number of the Federal Deposit Insurance Corporation ( FDIC ), and I called and spoke with a man, who indicated that the office handles only Lien Releases of banks, not financial institutions, asking me to call the California Secretary of State to resolve my problem. Bypassing that suggestion, I called the Federal Reserve Consumer Office again, this time, being asked to call the CFPB, which, finally, through a male employee, suggested I provide my complaint either via ( 1 ) its completed paperwork ( which would take 10 working days to receive from it and, submit with it, pertinent documents ) or ( 2 ) on-line, which I chose, leading to the statement I have written here. I hope that the CFPB will help resolve this most frustrating ordeal, which Capital One Bank, after receiving and recording people 's ( 1 ) social-security numbers and ( 2 ) dates of birth, ends their ( people 's ) calls.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other

Complaint:
Capital One credit card was opened without my permission, after investigating they refused to remove the account, however I was told that if I paid the balance due on the account WHICH I DID, that they would change the status from 'Charge Off '' to " Closed '' To date all XXXX credit agencies are still showing the account that has a XXXX balance as " Charge Off '', I would like Capital One to change the status to " Closed '' as was promised to me once the balance was paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-06
Company: ENOVA INTERNATIONAL, INC.
State: AL
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:
RE : Net Credit/NC Financial XXXX I am a victim of identity theft. The thief opened a fraudulent account in my name with your company. In accordance with section 609 ( e ) of the Fair Credit Reporting Act, 15 U.S.C. 1681g ( e ), I am requesting that you provide me copies of business records relating to the fraudulent account identified above. The law directs that you provide these documents at no charge, and without requiring a subpoena, within thirty ( 30 ) days of your receipt of this request. I am enclosing a copy of the relevant federal law and the Federal Trade Commissions business education publication on this topic.

Enclosed with this request is the following documentation, as applicable : 1. Proof of my identity : A copy of my drivers license, another government-issued identification card and 2. Proof of my claim of identity theft : o A copy of the police report about my identity theft ; and o A completed and signed FTC Identity Theft Report or alternative affidavit of fact.

Please provide all records relating to the fraudulent account including : Application records or screen prints of internet/phone applications Statements/invoices Payment/charge slips Investigators summary Delivery addresses All records of phone numbers used to activate or access the account Any other documents associated with the account Please send these records to me at XXXX XXXX XXXX XXXX XXXX, Al XXXX. 

If you have any questions concerning this request, please contact me at the above address or at XXXX Sincerely, XXXX XXXX Enclosures : Identity Theft Police Report Proof of identity : Fair Credit Reporting Act Section 609 ( e ) [ PDF ] A copy of Businesses Must Provide Victims and Law Enforcement with Transaction Records Relating to Identity Theft

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-06
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
I have an unauthorized Walmart credit card account in my name.The account was put in my name a little after i was the age to have a credit card. I 've attempted to dispute it since i knew what credit was. It is an account with GE money bank.

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 2017-01-20
Company: CITIBANK, N.A.
State: MI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
i didnot sign up for this service i got your letter ref # XXXX and looking for a refund I XXXX XXXX CARD ending inXXXX

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 2015-12-20
Company: SYNCHRONY FINANCIAL
State: ID
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Synchrony bank account number XXXX. I bought a washer and dryer from lowes in XX/XX/XXXX, interest free. I received a few statements but in XX/XX/XXXX the statements stopped coming. I went to Lowes to check on my account and they did not have any record of the account. I thought the account was paid in full. 
I recently filed a complaint with the CFPB on another synchrony account, and then I received a notice from XXXX XXXX XXXX. on this account for XXXX. The original line of credit was for XXXX.

Company response to consumer: Closed with monetary relief