BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card
Issue: Billing statement

Complaint:
My wife has XXXX credit card accounts with capital one account # XXXX and # XXXX in XX/XX/2015 capital one posted XXXX payments to account ending inXXXX have contacted them about the error which subsequently generated late fees on account ending XXXX. which capital one said they were reversing but have seen no result of the impending reversal, and was not assured that any negative report to credit report would be corrected as a result of their internal error causing XXXX account to show late in their records. which also generates deragetory reporting on credit report. Want all subsequent late fees and negative reporting to credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-06
Company: First Data Corporation
Product: Money transfers
Sub-product: International money transfer
Issue: Money was not available when promised

Complaint:
i have account in money network.i used website totalpay to transfer my money with this card on polish account.Ii was XXXX XXXX : XX/XX/2016 XXXX EST.Funds transferred will be available to the recipient by Thursday, XXXX ; funds may be available sooner and i still dont have my money.I called on this number ( XXXX ) 4 day ago and they told me that this issue will be solve in 3 days, but i still dont have a my money.I must come back to my country and first i must take my money with cash machine because in my country i cant make it.please help me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A default judgment was entered that included a debt that I was never served any paperwork. I only discovered this when I requested documentation of the payment history from their representative. I actually had to file a complaint with the Colorado Attorney General 's office to get the complete history. At that time, I received paperwork showing the debt that I was never served and that they had closed the case. When I filed the complaint, the current representative filed a motion to dismiss the judgment which was denied. I did request to settle and received no response. I just received paperwork requesting a proposed payment plan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I cited my rights under the Fair Credit Reporting Act and asked Capital One Bank to provide me with full details regarding the proper timely billing of my credit card account. I asked them to provide proof that they billed me on time and that my payments were in fact late. Capital One ignored my request and insisted that they were correct in their billing efforts. Attached to this complaints are the letter that they issued in response to my request and the certified mail receipt dated XXXX XXXX, 2015.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Bronstein & Weiss Arbitration
State: MD
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In XXXX, I was contacted by Bronstein and Weiss Arbitration about a payday loan I owed of about XXXX dollars. I was willing to pay, as I am not arguing the loan. After making an initial payment, and XXXX other, I was unable to make the folowing ones because of income. The deb collector contacted me, threatening to " Contact the DA and to have legal and criminal action taken against me ''. I paid another amount and got a receipt, which has my name spelled wrong ( it 's attached ). When I confronted them and asked them for an email or letter regarding the debt and how much I owed, they said they could n't do anything besides the initial deal made between the XXXX of us. They would n't even send me a letter confirming the debt, or anything about it. XXXX weeks ago they contacted me for the last XXXX dollars, threatening again, legal and criminal action. XXXX XXXX XXXX said that his " lead attorney '' was willing to go to court and have criminal action charged. When I asked to speak to the lead attorney, he dodged around and even asked " Ca n't your parents just pay for you? ". He said if I do not pay by XXXX that they would have to press criminal charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-06
Company: Experian Information Solutions Inc.
State: NV
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:
REPORTING OF ADDRESSES THAT ARE NOT MINE


MY NAME IS

XXXX XXXX XXXX 


MY ADDRESS IS XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

MY PHONE NUMBER IS

XXXX XXXX XXXX

MY EMAIL ADDRESS IS

XXXX  

MY SECOND HOME ADDRESS IS 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX


15 U.S. Code  1681i

THE INNACURATE REPORTING IS DAMAGING MY CREDIT, THEY NEED TO REMOVE ALL NUMBERS AND ADDRESSES THAT ARE NOT MINE

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 2017-01-29
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
On XX/XX/2017 I visited XXXX and saw an advertisement for the Wells Fargo Cash Wise Visa Card. There was an online only promotion for new applicants to earn {$150.00} cash rewards bonus if you spend {$1000.00} ( net purchases ) in first 3 months. With this offer in mind, I applied for the card online. My application was approved and I immediately received an e-mail confirming my application from the online customer service team. My card was set to arrive within 5-7 business days. On XX/XX/2017 I received the Wells Fargo Cash Wise Visa Card with no information about the {$150.00} cash rewards bonus. I contacted customer service who directed my call to the rewards department. Upon checking the system, the representative was unable to determine why the cash back bonus was not applied to my new account opened online. I was informed that an internal investigation would take place. This is completely false advertisement on Wells Fargo 's behalf. I visited the website today on XX/XX/2017 and again am able to view the advertisement for {$150.00} online only promotion. I have applied for the card to be able to take advantage of this offer ; however I was not able to take advantage of this offer because it was never applied to my account as promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NC
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I sent the the attorneys, XXXX, the firm that is representing Portfolio Recovery Associates LLC requesting verification of the debt, the original agreement signed by the alleged debtor and other information since this is a debt buyer and not the original creditor. I have not received the original contract but have received unverified billing statements. This is in violation of the FDCPA. They have failed to provide sufficient evidence of the validity of this debt or that I owe Portfolio Recovery Associates LLC. I sent the first request via certified mail and have sent a second request the same way. Instead, I have received a letter indicating they plan to sue me but have not as of this complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
A creditor left a voicemail for my co-worker telling her that I was being serviced with " legal '' papers and he basically threatened to get a hold of my HR department or someone else in my department. It was clear why he was calling, and now I am in trouble at work.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-27
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX XXXX, 2015 I try using my Navy Federal Credit at XXXX and because insuffient fund it was decline the XXXX Tech had swipe back Card several times. When I realized that I did not have enough money in my account I transfer funds from my saving account into my Checking Account and having to return items I wish purchase. By returning the items bring the purchase total down to a reasonable amount for the bank can approved the purchase. The Navy Federal Credit Denied my purchases XXXX more and customer and XXXX did not help process the purchase the I left went XXXX and it happen again so today I call Navy Federal Credit Union at less XXXX today.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XXXX, 60 days XXXX, 90 days XXXX, 120 days XXXX, XXXX, 30 days XXXX 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 2015-10-30
Company: ResidentCollect, Inc.
State: NC
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:
Executed a lease with XXXX XXXX through email. Arrival date XXXX/XXXX/2013 see apartment for first time and document/record/film many housing violations. 2010 Maryland Code Public Safety Title 12-Building and Material CODES : Other SAFETY Provisions Subtitles 2- Statewide Building and housing Codes Section 12-203-Minimum Livability Code. Apartment did not meet minimum standards by law. Did not take/move into apartment, immediately informed XXXX XXXX. Found replacement housing XXXX/XXXX/2013. XXXX XXXX XXXX continued to charge my credit card for apartment. I disputed charges and XXXX XXXX Wide hired ResidentCollect Inc ( XXXX ) who called and harassed family for payment of {$1200.00} for rent of apt . not taken. The actions and statements of XXXX XXXX XXXX and ResidentCollect Inc destroyed credit and were used/cited as the reason for family member termination from job.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-21
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was in a car accident in XXXX 2013. The car was totaled. I should NEVER have been billed for the insurance policy! I want this removed from ALL XXXX credit bureaus ASAP.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In 2013, I settled a Capital One account with XXXX XXXX, I accepted and paid their settlement offer. Since settlement, XXXX XXXX has removed their entry from all XXXX of my credit reports and is no longer reporting debt. Capital One has also removed their account from my XXXX report but failed to remove it from XXXX and XXXX and has failed to update the balance. I would like the following : 1. Explanation as to why Capital One removed XXXX of XXXX reports and not all. 
2. What collection agencies have been assigned to the account. 
3. Proof the debt is still owed, including information from the assigned debt collectors. 

If Capital One can not provide me with the above mentioned information I ask that they delete their final XXXX entries from XXXX and XXXX. The debt collector is assigned by Capital One, it is Capital One 's duty to report accurate information. The assigned debt collector has removed their reports from my credit report and Capital One has removed this account from XXXX, they should finish by removing the other XXXX reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: Weltman, Weinberg & Reis Co., L.P.A.
State: IL
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
sent me letter telling me i going to jail if i do not pay plus they up the fee from the first debt

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-02
Company: Prospect Mortgage, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The Complainant engaged a lender, Prospect Mortgage, XXXX ( " Prospect '' ), to obtain financing on the purchase of a residence. The purpose of this complaint is to notify the CFPB that Prospect has refused to timely fund the Complainant 's loan pursuant to a Letter of Commitment. As a result, and as detailed below, Complainant is likely to incur significant financial damage. Complainant has reason to believe that Prospect does not have sufficient funds available to fund its loan commitments and/or engages in a practice of issuing more loan commitments than it is able to process. 

The Complainant engaged Prospect Mortgage, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, NMLS ID # XXXX, upon entering into a purchase agreement for a residence on or about XXXX XXXX, 2015. The Complainant hired Prospect based on their representations that they are XXXX of the nation 's leading residential lenders and are backed by {$5.00} XXXX in assets. 

At Prospect, the Complaint was assigned to loan officer XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX. ( XXXX ) XXXX, XXXX ( XXXX ) XXXX, Fax ( XXXX ) XXXX, Email : XXXXXXXXXXXX. 

On XXXX XXXX, 2015, Prospect Mortgage issued a Letter of Commitment that it would provide certain financing on or before XXXX XXXX, 2015. The Letter of Commitment is executed by XXXX XXXX. 

Despite the Complainant meeting all conditions under the Letter of Commitment, Prospect Mortgage is refusing to fund the loan by XXXX XXXX, 2015, because, according to XXXX XXXX, they are too " bogged down. '' Prospect informed the Complainant that they are unlikely to be able to fund the loan until XXXX XXXX, 2015. 

The purchase contract for the property has a closing date of on or before XXXX XXXX, 2015. Pursuant to the terms of the contract, the Complainant is obligated to close once he obtains a loan commitment. The contract further provides that the Complainant will lose his deposit funds of {$20000.00} in the event that he is unable to close by XXXX XXXX. Complainant will also incur the cost and inconvenience of having to locate and move into a rental property. As of the date of this complaint, the sellers have not agreed to extend the closing date. 

Complainant has informed Prospect of their legal obligation to provide funding pursuant to the terms of their loan commitment. Prospect has refused to acknowledge that their loan commitment obligates them to provide funding. More specifically, Prospect seems to be misinformed that they are permitted to delay funding of loans based on their own underwriting and investor delays. Prospect has admitted that they are not always able to timely fund their loans.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Bread Financial Holdings, Inc.
State: MA
Product: Credit card
Issue: Other fee

Complaint:
I opened a credit card with XXXX XXXX in XXXX, MA to buy a couch. There was an initial 6 mos period of no interest which we made periodic over payments of the balance due. I never received an invoice or any notification in XXXX for and apparently my 6 mos period had expired. I was notified by XXXX that my account was past due which I immediately paid off in full ( approx {$5200.00} ) on XXXX/XXXX/16. I 've now been told that since I did n't pay off the balance before the 6 mos period, that I know owe approximately {$780.00} in finance charges for for the next 12 months even though my account has been paid off in full. I strongly believe that it is categorically unfair to charge interest for 12 months in the future when no money is being borrowed. I also believe that XXXX XXXX is using deceptive and unfair business tactics to sell their products to consumers even when their consumers have been trying to do the right thing throughout the process. It is a quintessential " gotchya '' strategy to milk further fee 's out of their customers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Payoff process

Complaint:
I opened a Lord and Taylor account on XXXX XXXX, 2015. I made an initial purchase in store, and was supposed to receive my card in the mail. Two months went by, and I realized that I never received the card. I called the Capital One/Lord and Taylor credit company and made a payment on the account, which I was assured was the full payment. They would not tell me my account information over the phone, and assured me that I would receive a card in the mail. Once again, this was never received, but since I had paid my account off in full, I figured that it did not matter. I just received my credit report, and it appears this account is over 180 days past due since I made my payment, and I still have not received any information about the account such as the card number or account number. In speaking with a representative over the phone, they told me that there was nothing they could do about it.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: ResidentCollect, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
My identity was stolen and my signature was forged on multiple occasions to renew a lease on an apartment. This is not my debt, I never authorised the lease to be renewed, and I am not responsible for the repayment of a debt that was a result of identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: ACS Education Services
State: FL
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
As of XXXX/XXXX/2015, I have maintained part-time enrollment within XXXX University 's XXXX program. XXXX University is located in XXXX XXXX, FL. In early XXXX, I contacted ACS, my private student loan servicer to request a continued deferral on my private student loan account. ACS told me that they would process my deferral if I provided them with a letter of enrollment from my institution. I faxed a letter of enrollment to ACS on XXXX/XXXX/15 and XXXX/XXXX/15. I received successful verifications of the transmittal of the faxes to ACS. Despite this, ACS claims that they did not receive the fax and debited my checking account for the monthly payment of my private student loan. I e-mailed ACS a copy of the enrollment verification letter from my school on XXXX/XXXX/2015 since it is apparent that they have difficulty with not misplacing faxes. Today, I received an e-mail from ACS stating that they will not accept the " verification '' of my enrollment because the letter does not indicate my enrollment status. However, the enrollment verification letter does display my current enrollment status. I need your assistance in sorting out this letter because it is clear that ACS is attempting to thwart my attempts to defer my loan in an attempt to swindle money from a hard-working XXXX who is pursuing a graduate level degree. Notably, this is not the first time that I have had to file a complaint with your department regarding ACS and this private student loan account. Please reference your case-numbers : XXXX & XXXX & XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-09
Company: Bread Financial Holdings, Inc.
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Paypal sent promo email for 24 months interest free financing on Ebay purchases or {$600.00} or more. I clicked the link to " shop now ''. Made a {$1900.00} dollar purchase. When I logged into account the same day it only showed 6 months interest free. I called paypal, they asked me to forward them the email so they could see it. They then agreed and said they would fix it to the 24 month promo. I received an email on XX/XX/XXXX stating they had fixed the loan. I logged on to my account today XX/XX/XXXX and it was still saying 6 months. I called back and was told they was not going to honor the 24 months. I have all original emails if needed.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: Caliber Home Loans, Inc.
State: TX
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
CFPB -- This pertains to new management as of XXXX/XXXX/2016 at CALIBER HOME LOANS in XXXX, TX at the Consumer Direct department. These are the various issues which should be investigated : 1. Change in pay structure for Loan Consultants ( LCs ) where they are NOT paid on loans closing. The LC 's name is listed on the loan but is not compensated. 
2. With the name of the LC on the loan, they are cut-off from the back end of the loan process where the LC is technically still liable for anything that might go wrong. 
3. This new management would allow for a Pricing Exception ( PE ) for the new hires they brought on board and for a family-related co-worker in XXXX XXXX. However the same level of PE was not made available to other co-workers who had been with Caliber Home Loans for a longer period of time prior to the start date of new management. 
4. This new management would hire on their own new contacts almost all under the age of XXXX and almost all Male ; conversely new management would disincentivize and push-out the older LCs who have been employed there for a long period of time. This is widely viewed as an act of nepotism along with age and gender discrimination. 
5. ***This new management terminated a Manager in XXXX XXXX on XXXX/XXXX/2016 without sufficient justification. This manager as a result was put on Administrative leave still accepting pay for an extended period of time since there was not just cause after further review with HR. 
6. ***This new management would also terminate long-standing Loan Consultants in XXXX XXXX prior to year-end 2016 who have a strong historical record of performance over a period of years at Caliber Home Loans.

Company response to consumer: Closed