BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2018-05-27
Company: I.C. System, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
this company is trying to collect a debt that is not mine, they are also reporting this in my credit without been properly verified as require by the FCRA 15 USC 1681 they are require to have properly verified this debt before placing this item on my credit report and have a hard copy with the original application with my signature on it as well as name, number, address, position held by person contactec to verified this debt. 
I am a litigious consumer and intent to use my right to clear my good name.

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 2023-02-04
Company: WELLS FARGO & COMPANY
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
Wells Fargo bought my mortgage in XXXX  and immediately sent me my new payments that were doubled the original. I complained to them and sought help but found no one to help. I was desperate and tried to sell but could not. I knew I was going to loose the house but ended up loosing my house to a scammer that promised to take care of the problem but never did. I was scammed and Wells Fargo seemed to cooperate with the scam and shunned me. 

House was in my name until about 4 years ago when I finally found a lawyer to get it out of my name. The only reason why the lawyer could solve the problem was because after all that time, Wells Fargo started refusing to accept payments from the scammers even though they knew for years it was owned by a house buying scam. Why not, easy pickings for a free resale and all they had to do was foreclose on the people in the house who were put there by the 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 explanation
Consumer complaint received 2015-05-12
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
As per your XXXX XXXX, XXXX, correspondence CFPB Compliant XXXX XXXX. My XXXX mortgage originated from XXXX XXXX XXXX to XXXX XXXX XXXX in XXXX. Then it was transferred to from XXXX in XXXX XXXX, to Green Tree Servicing LLC. Only a XXXX mortgage was in the aforementioned. There is no Florida Statue that state that XXXX or Green Tree Servicing LLC can create an alleged XXXX mortgage out of thin air. Then hold my XXXX mortgage hostage from being refinanced by another entity. However, there is a Florida XXXX XXXX XXXX, Statue Of Frauds, Fraudulent transfer ch. XXXX. Thus, this is not only Florida XXXX it is a XXXX XXXX. Because, You are trying to extort {$93000.00} across State lines from me. Thus, I demand you release my XXXX mortgage to be refinanced immediately. XXXX days from this memorandum -- I will turn this case over to the Attorney General Of The State of Florida and the FBI.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-05
Company: JPMORGAN CHASE & CO.
State: CT
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Settlement process and costs

Complaint:
Chase Bank is the servicer of a loan on my property and we are trying to sell the nieghboe an small piece of land XXXX XXXX acres from our XXXX acres XXXX. And they have been completely unresponsive to my repeated phone calls and emails. A person XXXX XXXX, in the land Transactions deptatment ( XXXX ) is supposed to be getting this done for me, however he does not ansewr his phone or email and only after I contact customer service depatment ( after 2 time ) does he respond with more information he needs and then does not follow up. I was supposed to close on this property two months ago and It is completely unreasonable that they are not fullingin g their obligation to service this loan. I have sent the {$800.00} dollars in fees and spent countless hours on this already. I need help with some resolution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I sent Capital One Auto Finance a letter certified mail on XXXX/XXXX/15, asking them for specific information regarding the account they said I had with them. At this time, I have yet to get the documents I have asked the original creditor to provide. They are still listing this account on my credit report and have not marked this account as marked as Consumer Disputes Account. I was able to confirm they received through the certified mail confirmation as well as them responding to me that they did n't understand my request. My request was very clear and concise and at this point I have n't received the documents I 've asked for and they are still reporting on my credit report. I have included both my letter and theirs below. They are in direct violation of the FCRA ( Fair Credit Reporting Act ).

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: CITIBANK, N.A.
State: IL
Product: Credit card
Issue: Advertising and marketing

Complaint:
My complaint is regarding Citibank 's AAdvantage Platinum Select credit card. In short, I believe that this card is marketing and servicing strategy behind this card is knowingly deceptive. Citi is offering a financial incentive to open an account with them in the form of an alternative currency ( the offer I was promised was XXXX AAdvantage miles ). This alternative currency expires in 18 months unless a purchase is made with a specific vendor ( XXXX XXXX ), or the card is used ( a condition that is hidden in the fine print ). 

For the vast majority of consumers, the latter method of keeping their miles alive is obviously the more realistic option. In effect, this creates a significant financial penalty for closing the card ( often in the magnitude of hundreds of actual dollars ). As the card itself is not very competitive when it comes to rewards, the primary reason that I ( and I believe many others ) keep this card open and pay the {$95.00} annual fee is because Citi and XXXX have structured the card to essentially exploit this penalty. Their primary method of doing so is by limiting the ways in which the alternative currency can be used ( for example, miles can be used to pay for upgrades from coach to business class, but not for upgrades from a regular coach seat to a coach seat with additional leg room ). In addition, miles can not be used to partially pay for a ticket. These limitations effectively make it impossible to redeem miles in smaller denominations, which makes it much harder to redeem them at all. As a result, people are more likely to have miles left on their account and therefore a financial incentive to keep paying Citi a {$95.00} annual fee. 

Even more alarmingly, these limitations are entirely absent from any marketing materials for the card. I believe that most individuals somewhat reasonably assume that this alternative currency, which is only redeemable at one vendor, is at the very least applicable for any purchases at that vendor. Neither Citi nor XXXX XXXX would incur any significant cost for removing these limitations. When I called XXXX XXXX, they mentioned that they launched the paid upgrades within coach class over 4 years ago, meaning that they have had ample time to address this issue. The only reason that I believe these limitations still exist is because they allow Citi to maintain a deceptive financial incentive over their Cardmembers.

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 2016-01-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital one Gm card offered to provide a resolution after my repeated requests for help since they have me at an exorbitant interest rate above 20 % and when I ca n't make payments on time their late fees are killing me. After a year of earnestly trying to keep up with sizable payments my balance is exactly the same. 

After 6 weeks of repeated phone calls saying they would help, they ultimately called today and told me they would not offer me any help or resolution of any kind whatsoever. They also told me that any offer of a settlement that had been extended has been rescinded. 

Further, they had promised to help resolve my issues before the next pay period. They of course did n't. 

When I called back after their account person, ( XXXX XXXX ) literally hung up on me, I was then told that MY ACCOUNT IS N'T IN BAD ENOUGH STANDING to qualify for any settlements. They literally admitted that they were only seeking to help themselves by offering to look into a settlement option. They would rather I keep being stuck in my high interest rate XXXX with no option for a settlement since I had been paying for the last year attentively. 

My calculations show that interest and fees combined put my effective interest near 40 percent over the last year.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a credit Card with Capital One making payments on time. The autorized user charged the card for a vehicle rental that was extended beyond the time. The bill ran up to {$1500.00} that was not avail on the card. The Capital One still approved the charge after I informed them that the charge was being paid in Bankruptcy. I made several request to deny the charge and reverse the charge. I submitted proof that the charge was being paid through bankruptcy and they ignored my letters and responded that my request was over 90 days which is incorrect. This charge remains on my account causing negative actions on my report. I was advised by the bankruptcy court that they should reverse the charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payments on the dates below : 30 days past due as of XX/XX/XXXX, XX/XX/XXXX, XX/XX/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. This must be an oversight and would appreciate any help in clearing this up.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My husband and I had an Identity Theft problem which effected several areas, someone had taken payday loans out of our local bank, this was resolved by the bank internally, and the bank drew back over {$5000.00} from the payday loan companies to replace the money they had taken. Several credit card companies also harrassed us for some time, we reported the problem to the Federal Trade Commission, the A.G. office, and we filed Identity theft forms with several agencies. XXXX XXXX has now filed a lawsuit on a credir card company, Capital One who wrote off the claim, and sold collection rights XXXX XXXX XXXX. The XXXX XXXX from Capital One was issued in XX/XX/XXXX, that is the card that we are being sued for an amount of about {$1800.00}. Capital One issued a Capital One credit card to my wife in XX/XX/XXXX, why would the same credit card company issue another card when the other card, different number issued again in XX/XX/XXXX. We asked XXXX XXXX to produce a signed application document with Capital One to prove that my wife never signed for the credit card we are being sued for, they never provided this or a complete paper trail we asked for, what else can we do? 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I opened a CapitalOne360 account yesterday and set up an ACH draft tomy credit union. I specifically asked when the ACH would occur and theyexplained that they would first send two small deposits to the credit unionand then I would have to " confirm '' those deposits before the initialtransfer to my new account would occur. This was confirmed by anumber of web pages on their www.capitalone360.com web site. 
This morning, less then 24 hours after opening the XXXX account andwith no small deposits to confirm, they drafted my checking account for {$50000.00} which caused me to incur a transfer fee of {$3.00} at the credit union andexposed me to additional fees had I not caught this situation at once. 
I am concerned that their web site and call center staff are eitherintentionally or inadvertently providing incorrect information at thepotential expense and inconvenience of consumers and I would like my {$3.00} back. This is not about the {$3.00} but the principle of what they aretelling their new accountholders both personally and on their web pagesand their response to my concerns which involve hiding behind '' procedures '' rather than just acknowledging the issue and refundingmy fee. I escalated the matter to a manager who also stonewalled untilthey could conduct " research '' into the matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-26
Company: BROKER SOLUTIONS, INC.
State: ID
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
In short, we closed. Everything looked good. our closing statement matched our pre closing docs, requiring XXXX cash to the table. Everything looked good. We are supposed to fund today. 

Yesterday I got an email from our broker asking for a check for XXXX to reimburse him for a credit on our closing docs. I am supposed to make it payable to the mortgage company and post date it. 

His explanation is that they gave us the credit for " advanced escrows '' as a loan and that they expect to have that money returned. They are threatening to hold up funding of our loan and / or redisclose everything, which then postpones the loan at least 6 days and funding another 3 days. 

I feel that this is not only shady and boarderline illegal ( maybe fully illegal ), but it places a hardship on us to have to come up with the money in a hurry. Nothing about this seems right. 

Apparently, he did inform me via email, which I completely missed. I would have said no to the loan at that point if I had seen it. I will include the email chains in the uploaded documents.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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. The list of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
Account name- XXXX XXXX XXXX account # XXXX, XXXX XXXX XXXX XXXX account # XXXXXXXX XXXX XXXX XXXX XXXX XXXX  account # XXXX, XXXX account # XXXXXXXX XXXX  Account XXXX  account # beginning in XXXX, and XXXX XXXX Account # 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 without my written instructions.

15 U.S.C 1681c. ( a ) ( 5 ) no consumer reporting agency may make any of the following items of information.Any other averse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-04
Company: Experian Information Solutions Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
In accordance with the Fair Credit Reporting act XXXX Account # 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 an account without my written instructions.

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

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My card was stolen XX/XX/XXXX, once i realized it was stolen i immediately called and canceled. i received several emails from capital one stating that if it was not me please contact the. Contacted capital one, they began investigation XXXX XXXX, XXXX. Since the investigation, I 've continuously called to get updated. Since XXXX XXXX, XXXX i have contacted them at least 7 times. I spoke with rep on XXXX XXXX, XXXX that said i would have funds available in 48hrs. still did not have any available the next XXXX reps after were not helpful at all, continued to tell me that there was nothing they could do, i had to wait until investigation was complete. My biggest issue is that i am a customer and you should n't let the customer go a month without funds or trying to help them out in any way. i have a payment due XXXX XXXX, XXXX and they are going to want there money, no excuse. if not paid i will get late charges etc. This has really inconvenienced me in everyway because they denied my credit increase due to the fraudlent activities, i could not purchase XXXX gifts, since the investigation i have n't had any funds or any real sympathy. this was my last option to contact you guys. so if there could be anything done i would greatly appreciate it. ( orignal statement sent to XXXX ) Capital one has refused to settle with me, i asked for a settlement of {$4500.00} dollars after investigation took longer than the time given to me. Also since then i experienced financial hardship which forced my wells fargo account to overdraft and owe a {$1200.00} balance. I had to borrow money from family members which i soon have to pay back in total of {$2000.00}. Capital one has been handling the case in a unprofessional manner, its takes weeks to get response from them, they did not offer anything to me while the investigation was going on with the fraud claim. I did not use card in over 3 months and they still are asking that i pay them along with fees that were associated with all transaction that were made. Every time i called no one could give me answers they always said " XXXX temporary funds will be available on your card in 48hrs ''. Capital one is not the business to use, my card was stolen, used by someone to purchase numerous transactions and nothing was done for me. I feel used by the company and there are several reviews of things happening to other customers. XXXX XXXX of XXXX has been very helpful with assisting me. Since the business has failed me i have been in contact with my local court to file a small claims suit against them for failure to settle. So i am reaching out to you guys to see if you could reach out to them, i was recommended to you by XXXX XXXX XXXX on behalf of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-15
Company: Collection Service of Nevada
State: NV
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
In the spring of 2016 I reached out to credit agencies including Collection Service of Nevada as I decided to work on paying off my bills. I updated my information with them of both my home address and my work address. I told them that they were free to contact me at my home address. 

They served me a lawsuit for small claims court at my work address. I paid the default judgement off within a week of the default judgement being awarded. I asked them not to contact me anymore since I had no more business with them ( because the debt had been paid off ). 

They just mailed me a document they submitted to the court that I had paid off the balance of account, but they mailed it to my work address, even though I asked that ALL correspondence be sent to my home address when I talked to them last spring. 

The return address is clearly visible to my employer and staff of the office I work at. Also, it is the policy of our office to have staff open the mail before it is delivered. 

Because I have asked multiple times for them to send me correspondence to my home address and not to contact me at work, and because they have repeatedly ignored this request from me, I make this complaint with the Consumer Financial Protection Bureau.

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 2015-07-06
Company: MiraMed Revenue Group LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have a medical bill from hospital known as XXXX ( XXXX ) account number XXXX. I been making my payment accordingly. 
The balance I have to pay to the hospital is remaining only $ XXXX to my surprise I noticed that a dept collection agency know as MIRAMED REVENUE GROUP is placing same account under collection in the amount of {$160.00} while I am still making payment to the original creditor XXXX ( XXXX ) I attached copies of the payments made to the original creditorI am requesting that MIRAMED REVENUE GROUP remove the false statement they noted on my credit reports XXXX -- XXXX -- XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
, i have never lived on XXXX XXXX, i have lived at for 27 yearsat XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation