BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-27
Company: CCS Financial Services, Inc.
State: CT
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:
Credit Collection Services, XXXX XXXX XXXX, XXXX, XXXX, XXXX, has started sending me fake debt collection notices, claiming I owe a debt to XXXX. They have threatened to put a judgement against me if I do not pay it. I know it is not my debt, but I spoke to an XXXX Representative to confirm there were no mistakes on my account. She confirmed that this was not my debt, and that XXXX XXXX never even uses that collection company. Further, she said even when accounts are delinquent, all attempts to collect debts are done directly through XXXX XXXX, with their own letterhead. So Credit Collection Services is FALSELY stating that they are trying to collect a debt from XXXX XXXX. This can not even be something that has become " mixed up '', or something ancient. I only had an XXXX XXXX account for 6 months last year, and the house I lived in for the last 18 years prior, does not even have gas. No one in my family has an XXXX XXXX account. This is clearly a scam.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One has charged me interest when I paid the balance printed on the current statement in full and by the due date. The supervisor is claiming this is due to the fact that charges posted afterward. When I questioned the most recent statement, I was advised that this was because my due date was on the XXXX, but my next bill generated on the XXXX, resulting in further charges being due. I asked how I could be charged interest on something that had n't yet been reflected on any billing and the same answer was repeated. The charges have not been credited back to my account. I even asked the supervisor if this is legal under the Credit Card Act, but again, received the same answer. I also read this to the supervisor. The XXXX line on the back of their bill reads as follows : How can I avoid paying interest charges? If you pay your statement 's New Balance in full by the due date ( which I did ), we will not charge you interest on the portion of the balance that you did not pay. It made no difference.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
I received invitation from Bank to open Savings Account through XXXX mail. I applied Online for savings Account, I met with an error and it advised me to call them. When I called them, they denied the Account opening saying I do not have sufficient history from third party regarding my SSN. I asked them if they can send an email about denial or if I can send more documents, proof to satify requirements. They simply said No for everything and denied Account opening. They simply said we cant help. I have excellent credit rating and I am clueless about what happened.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
On XXXX XXXX I HAD multiple failed attempts to a remove a 30 day late payment due to a financial hardship and also a mistake with customer service in which they waived the late payment fee however failed to explain that it will be included in the next month 's minimum payment caused me to fall behind. I decided to open a XXXX dispute. I was contacted almost immediately by someone I believe in the executive office who said she expected to get back to me the following Monday and if not way before XX/XX/XXXX. I am still in the same situation and today is XXXX XXXX, 2016 and I have yet to receive a call or response at all. 

I recently applied for an apartment because I have to move urgently however was denied because of a 30 day late payment from you guys I would like have it removed I have tried to always keep my account up date and it is negatively affecting me emotional and physically because i do n't want to end up in the street with a XXXX year old due to not being approved to no apartment. I have disputed it many times and I have been told by different representatives that yes it would be removed and nothing. I had a financial hardship but since then have always made payments. I 'm very disappointed that you would rather see a customer go and its seems as the customer is not important all that is important is the money to be made.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
i have an account with capital one. i didnt get my statements in the mail for 2 months. 
i immediately called them to let them know of the problem and it might be the turnover of our mail carrier. i asked capital one to please email me with the totals that need to be sent.i also asked them to make sure my address was correct with the correct suite #. after i recived the emails from them regarding the totals, i sent it to them immediately. i was then told by representatives at capital one that the email totals that were sent were not the exact totals based on the billing cycles since i didnt get the actual statements on time in the mail. they claimed that i was 30 days late on those 2 months of this issue and sent negative comments to all credit bureaus that dinged my credit scores.They have recordings of all my calls to them regarding the issue and appoligized for the mistake by phone.however when i spoke to there supervisor they said the issue was sent to their internal dispute department but didnt feel they made a mistake, so they would not correct it with the credit bureas. i also asked for copies of the actual statements that they sent me, which i recieved after the address correction was made, and in the package of the statements, it shows the original address on those statements where i didnt get the statements. On the outside of the new package they sent me the updated address was correct, however the copies of the statements still showed the initial address.I also told capital one that if they had sent me the actual totals in their emails to me, then i would have sent what the exact total was required. but i only sent the amount they requested in the emails. They also confirmed that with me by phone, when i spoke to their representatives and they should have those recordings as well.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-03
Company: Experian Information Solutions Inc.
State: FL
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:
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2020-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
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:
I respectfully suggest that you complete your investigation within the time period allotted to you by law, and in the event that you are able to verify this report that you supply me with the name, company address and company phone number of the person having verified the report and a full and complete report on the method you used to perform your investigation as dictated in the Fair Credit Reporting Act. 

Please be advised that your failure to complete your investigation and compliance with the law may result in legal action against you. 
I have been a victim of identity theft fraud. I have no idea of any of these accounts. I have never opened any of these accounts. Please review this and remove this as soon as possible.

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 2015-10-16
Company: Experian Information Solutions Inc.
State: WA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
While checking my personal credit report, I discovered an Unauthorized and Fraudulent credit inquiry made without my KNOWLEDGE or CONSENT by XXXX XXXX XXXX on or about XXXX/XXXX/2014 on EXPERIAN credit file. I did not authorized or give permission to anyone employed by this company to make any inquiry and view my credit report. XXXX XXXX XXXX has violated the Fair Credit Reporting Act Section 1681b ( c ). They were not legally entitled to make this fraudulent inquiry. This is a serious breach of my privacy rights. I am requesting that they mail me a copy of my signed authorization form that gave them the right to view my credit within five ( 5 ) business days so that I can verify its validity and advised them that if they can not provide me with proof that I authorized them to view my credit report then I am demanding that they contact the credit bureaus and have them remove the unauthorized and fraudulent hard inquiry immediately.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: CITIBANK, N.A.
State: PA
Product: Checking or savings account
Sub-product: Savings account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
I wanted to start a savings account for a trip later this year, so I decided to open up with Citi bank in XXXX. at first, I put a little money which was {$10.00} after a week I saw the money in the account, so was like ok let 's put the rest of my money into the account which was {$4200.00} or XXXX I waited for another to transfer my money from my checking 's account to my new savings account. I saw the account, now I was like let 's save money every check. this is where the problem started. I'm honestly not sure about the dates and can not look at this because my account is blocked. I put {$300.00} in two times after that it goes through, after a week. I put {$300.00} from my checking into my savings. That didn't happen because it took a whole week for the transaction to be completed so I had insufficient funds when it was being processed, because I spent some of it both times. Next week I try to put the same amount of money into the account same thing happens. here comes XX/XX/XXXX my account is blocked I can't see my transactions, bank statements, cant take or put money in. I call my bank and give them my info, but they put me on hold and said ''we can't give any info on the reason why and you will have the remaining money in the account in 30-60 days in a form of a check. I call again a rep tells me to call their fraud line because they can't do anything further and it was up to them. I call the line she told me the same thing but hangs up on me. so I wait the 60 days now it's XX/XX/2022, and now and here we are, still locked out of my account and they have not sent the rest of my money that was in the account. I don't want anything else besides my money preferably before 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 2020-03-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
They are still showing on my report I've requested to have a fraudulent card open and used from XXXX  XXXX/XXXX  and it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!

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 2017-03-29
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Credit control services, representing infinity insurance has violated the FCRA by not providing documents to me in regards to this debt.I am unaware of this creditor and have not recieved anything that pertains this debt.This account is unverified and imediately needs to be deleted from all credit files-XXXX, XXXX and XXXX.The bussiness is required to disclose to me all of the documents that they have recorded and retained in their files that pertrains to this debt.If Credit control Services does not have any documentation they need to retract this from my credit file immediate XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: Paypal Holdings, Inc
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Overcharged for something you did purchase with the card

Complaint:
PayPal overestimates foreign exchange costs, takes the money from my account and then will not return the XXXX  post transaction. I have tried to get a refund and can not get one and I am being pressured to add more funds or open a credit card to use my balance. There is likely XXXX  of dollars that have been collected this way. I have asked for almost TWO years for a refund or the ability to use my money balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-03
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Other problem getting your report or credit score

Complaint:
I have been dealing with Equifax for a long time. First it was a bankruptcy that was reported On my credit report that was not mines it actually belonged to my father. Now that was resolved. Im in the middle of trying to purchase a home for my family and now Equifax is reporting a alert on my file that its blocking due a dmv or police report. Not sure why this alert is there as I have never report identity left report to police or dmv. When I call Equifax states that we have no freezes or alerts but when I got dispute this alert it does not allow me to dispute this. My lender is not able to pull my report with equifax and we have already lost our home that we have built due to this.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
XXXX XX/XX/XXXX. I contact an ad on XXXX to rent a place for XXXX XXXX I was emailing the person about the home. He were telling me to hold the place I had to put a deposit of XXXX XXXX I sent the deposit and I said it will take three days to clear. The owner told me to cancel and retry it because its supposed to go through instantly. So I tried it twice. The last time trying to send it. He stated it would be ok to process it for the three days. A day after his number was no longer working. I contacted my bank and reported it and open a claim. Capitalone stated they denied the claim because XXXX didnt find it fraud when it really was a scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
We have been capital one members since XX/XX/XXXX, and last time we were approved a credit limit increase was in XX/XX/XXXX. They have been constantly denying our request with the reason of OUR AVERAGE MONTHLY PAYMENT IS TOO LOW. We pay more than the monthly payment and at times two payments a month and they are more than the monthly payments they ask for. We are tired of this company Degrading us with there observed reason on why we are Denied.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I agreed on a settlement amount to settle a credit card debt and paid it in full. Capital One has not reported it as Settled in Full ( SIF ) and instead left the remaining balance showing I still have bad debt. I have requested a paid in full or SIF letter from them multiple times and also sent them proof I paid the payments as requested along with a copy of the settlement agreement letter and they refuse to respond. This needs to show settled in full on my credit report instead of showing I owe an open balance still. And they also need to verify the account number on all reports is accurate because it is NOT showing correctly on all XXXX.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-09-16
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX XXXX PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2016-02-02
Company: MOHELA
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
My XXXX loans are serviced by Mohela. When Mohela became the new servicing company in XXXX XXXX I immediately called customer service and asked what actions I needed to take to ensure that I could make payments toward the principal of the loans. They told me to write a letter and request that, " Pay Ahead Status '' be removed from my account. On XXXX XXXX, XXXX I sent them a letter, and on XXXX XXXX Mohela acknowledged receipt of the letter. On XXXX XXXX, XXXX I noticed that payments I intended to go towards principal were going towards interest. I called and the customer service representative told me that the cancellation of 'pay ahead status ' had only applied to one month. He informed me that I needed to write a new letter and request that pay ahead status be, " permanently '' cancelled. When I called in XXXX, the customer service representative said nothing about about needing to use the word, 'permanently ''. 
I have loans from my XXXX degree at XXXX College in XXXX, Massachusetts, and from my XXXX XXXX at University of Massachusetts in XXXX, Massachusetts.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Dyck-O'Neal, Inc.
State: NJ
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
My home went through foreclosure in XX/XX/XXXX. In XX/XX/XXXX I received a 1099A stating that my home has a fair market value of {$190000.00} and that I owed {$120000.00}. In XX/XX/XXXX my home sold for {$120000.00} which covered the amount awed to XXXX. I then started receiving letters from Dyck O, Neal stating that I owe them {$75000.00} from the original creditor XXXX.

Company response to consumer: Closed with explanation