BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have been unsuccessful in getting Capital One Credit Card to refund to my Capital One checking account an overpayment that was made to my credit card in XXXX 2016. On XXXX XXXX, 2016, I noticed a double payment to my credit card had been made from my Capital one checking account. ( How that happened is another story ; suffice to say Capital One 's online payment system does not prompt you to verify either the amount of the payment or that you in fact want to make a payment. It just processes the payment for the full amount due as soon as you click in an email the " PAY NOW '' button. That seems to be a major flaw. ) In any event, on or about XXXX XXXX I called Capital One and asked for a refund of the extra payment amount. They agreed to do so. On XXXX XXXX, 2016, they debited my credit card for the overpayment, but the money was never refunded to my checking account. However, on XXXX XXXX, 2016, the credit card division surprisingly reapplied the amount back to the credit card. When I called on XXXX XXXX to inquire, they claimed that I had instructed them to re-apply the funds back to the credit card -- something I never did. I again asked them to refund the overpayment back to my checking account. On XXXX XXXX they again debited my credit card account. But as of today, XXXX XXXX, the refund is still not in the checking account. After 1.5 hours on the phone with them today, I was told that on XXXX XXXX all that happened was a " request to initiate an investigation '' as to whether the funds should be transferred, a process that takes 5 calendar days and, if approved, the transfer would take an additional 5 business days to appear in the checking account. However, no one at Capital One, either in banking or in the credit card division, could verify that the transfer had been approved. I have lost confidence that Capital One 's credit card division can handle this seemingly simple request, and ask that you intercede on my behalf. Thank you.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-03-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
i am writing a complaint regarding Transunion credit reporting agency they are reporting an inaccurate bankruptcy under my name that it foes not belong tome, i have disputed from all three bureaus and was removed from XXXX and XXXX, but Transunion is giving me a hard time and not providing customer service what so ever, when i dispute it they don't even dispute i call a day later they say that was verified, literally in a day. please i am uploading the same documents which i uploaded and mailed to all three bureaus as a result XXXX  and XXXX  removed this inaccuracy and Transunion does not. please find attached my documents and help me to resolve this issue by removing the inaccurate bankruptcy from my Transunion credit file 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 2021-03-18
Company: Experian Information Solutions Inc.
State: FL
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:
I have been disputing 2 accounts on my credit report since XX/XX/2018! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!

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 2021-03-18
Company: EQUIFAX, INC.
State: FL
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:
I have been disputing 2 accounts on my credit report since XX/XX/XXXX! These items should NEVER have been reported the way that they have been! After over 2 years of disputing, these needs to be completely corrected and/or removed immediately!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: Navient Solutions, LLC.
State: PA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
My loan servicer is Navient and these criminals are mismanaging my payments. I am SAVING MY MONEY ELSEWHERE until I can pay off the entire loan at once, as making advanced payments with Navient does nothing for you as the borrower. This is unreal and literally criminal.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-11-25
Company: SYNCHRONY FINANCIAL
State: MS
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
The SYNCB/ Care Credit account was closed on XX/XX/XXXX but is currently furnishing delinquencies to each CRA XXXX SYNCB/ Care Credit isnt the proprietor of this account anymore and hasnt been since XX/XX/XXXX but is still furnishing inaccurate and erroneous information on my consumer report as if they are. See attachments for more details.

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 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
I transferred $ XXXX from my XXXX XXXX checking account to my Capital One 360 Savings Account. The deposit was XX/XX/2016. They will not release my money until XX/XX/2016 
I needed to use this money for purchases. This is in direct conflict to their statement on-line-quote " Deposits pulled from your external linked checking account are typically available on the second business day, but in some cases XXXX be held longer ( up to XXXX business days XXXX. Deposits on hold are unavailable for withdrawal during that time. 

This should have made my money available on Monday XX/XX/2016

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: AMERICAN EXPRESS COMPANY
State: WA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Responded XX/XX/XXXX, to American Express XXXX XXXX XXXX card offer that came in the mail, with offer of Welcome Bonus of {$220.00} cash back : " Earn {$220.00} back after you spend {$1000.00} in purchases on your new Card in your first three months ''. We met that requirement, but only {$150.00} " Welcome XXXX XXXX Back '' was posted to our account on XX/XX/XXXX. 

I filed the application for this offer online at amex.us/bcersvp, which was XXXX option for applying. The first question asked online is for the 14-character RSVP code, which I entered ( XXXX ). The application went through and we received our credit card. Shortly thereafter, a letter from American Express shows up in the mail saying " we are unable to approve your application '' ... " we have approved an application for the same type of Card within the last few months '' - THIS IS NOT TRUE. We did not submit multiple applications. A call to American Express on XX/XX/XXXX, said " disgregard this letter ''. Really? sounds like a bug in their system. 

Subsequent phone calls with American Express XXXX XXXX, XX/XX/XXXX XXXX twice, once with a supervisor XXXX XXXX got me nowhere. The call on XX/XX/XXXX resulted in another letter from American Express " The offer terms stated that the cash back would be provided in the form of statement credits, when in fact, the offer is being fulfilled in Reward Dollars '' - related to XXXX purchases. NOTE : I never would have applied for this card with an offer related to XXXX purchases. ( sounds like a classic Bait and Switch ). 

All of my calls to American Express said there was a different RSVP code attached to my application. I HAD NO OTHER 14-digit RSVP code, and couldn't have made it up because it wouldn't have gotten past the first screen on the online application where I had to enter this code. Strangely, no one on my calls to American Express could tell me the details of the offer for the RSVP code I did submit. 

So where does this stand - American Express refuses to meet the conditions of their offer - they still owe me {$75.00} to meet the {$220.00} cash back offer promised.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
MY INTEREST RATE IS THROUGH THE ROOF AND MY PAYMENTS GO TO INTEREST AND HARDLY ANY OF THE PAYMENT GOES TO PRINCIPAL. I HAVE BEEN PAYING IT FOR 11 YEARS AND IT IS HIGHER THAN THE ORIGINAL AMOUNT I TOOK OUT.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Experian Information Solutions Inc.
State: TN
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:
I have submitted q request to have this medical bill removed from my credit it is a HIPPA LAW VIOLATION. When HIPAA-covered entities disagree with the findings of the investigation, a civil monetary penalty may be issued. This collection agency has shared my Doctor name and that goes against HIPPA and the bill has been paid. The collection company will not furnish proof of any but that I dont owe.

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 2021-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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 have these accounts that are not mine and i want them to be removed from my credit report. 

1. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

2. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

3. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

4. Identity Theft XXXX/XXXX  Account Number : XXXX This is not mine. 

5. Identity Theft XXXX XXXX/XXXX XXXX Account Number : XXXX This is not mine. 

6. Identity Theft XXXX XXXX Account Number : XXXX This is not mine. 

7. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine. 

8. Identity Theft CAPITAL ONE BANK USA N Account Number : XXXX This is not mine.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
I had several XXXX XX/XX/XXXX,XX/XX/XXXX and XX/XX/XXXX. Prior to my account becoming late, I contacted the Capital One. I explained I would be off work without income. My account has never been late. The representative informed me that they could not offer any assistance until my account became 60 days late. I was livid and began to complain and spoke to a supervisor. Fast forward after being late, Capital one contacted me. They informed me they would reinstate my account if I brought the account current and delete the previous lates. I brought the account current and they reinstated my account but never deleted the lates. if a consumer contacts a creditor before being late, there should have been something that could have been done. It is unethical for a company to tell u that u must become late in order for assistance. The XXXX that I had were due to me having XXXX. the LATES DO NOT REFLECT MY CREDIT WORTHINESS. pLEASE REMOVE

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-18
Company: Navient Solutions, LLC.
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Be advised, the following company DPT ED/NAVI is attempting to collect alleged debts not owed and has obtained my personal and confidential information without my consent or permission. DPT ED/NAVI must immediately cease and desist all attempts to contact me other than to comply with my demands. I as a federally protected consumer and natural person am demanding that this company cease all unlawful attempts to collect alleged debts not owed to them immediately. Any further attempts to contact and harass me in regards to these alleged debts will result in legal ramifications.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: Seterus, Inc.
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have contacted Seterus numerous times about them wrongfully adding an escrow account to my mortgage account, and adding hazard insurance when I actually had homeowners insurance. I faxed proof of insurance to them in XXXX 2015 and XXXX 2015. I spoke to an agent today, XXXX/XXXX/15, who informed me the number I faxed proof of insurance to was incorrect. I used the number provided in the letter saying " send your insurance information to '' the number I sent it to!! She says she does not know where that number came from, and I told her it was on the letter from SETERUS. I have paid multiple payments to satisfy their allegations of my account being delinquent ; however, they take my payments and put them in a suspense account instead. They say they are charging me for insurance, so my payment has increased from the original agreed amount, {$290.00}, to {$410.00}. This company is in the wrong, they are unethical, they are thieves! I am in complete disbelief at how Seterus is still operating!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: WI
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
In my letter dated XXXX/XXXX/2015, I disputed a Judgement on my Trans Union report. I received notice XXXX/XXXX/2015 that it was deleted from my report. 2 days later it was re-inserted back on my report. I have contacted the court listed and they have no judgement rendered under my name! I want this DELETED from my report!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Credit card
Issue: Transaction issue

Complaint:
I was contacted by an unsolicited telemarketing phone call, sometime in XXXX by a company called XXXX. They offered me a profitable at home business, they would submit my keywords to increase my overall ranking. I paid them {$4300.00} and I signed up with them. Within a few days XXXX, the technician, contacted me with some keywords and also asked if I had keywords I wanted used which I gave some suggestions. In XXXX I was again contacted and XXXX wanted to start my social media and a XXXX video. I paid them {$2500.00} again. They contacted me the next day saying that if they could optimize more pages it would help me and this was another {$1600.00}, I also paid them. Then in XXXX XXXX was going to design a new website. Needless to say I paid them an extra {$3200.00} on my Capital One credit card.This is the charge that I would like help to dispute.In a couple of weeks I was not happy with what I had received from the company and started disputes with my credit card companies to try and get my money back. XXXX contacted me and threatened me saying that they would be starting litigations against me since according to her they had provided with the services they said they would. The next week I agreed to drop the disputes because I did n't want my company to get a bad mark but I was definitely not happy with their services. They have n't done anything since then and I believe they have been stringing me along and they have never had any intentions of actually selling me a legitimate and profitable business. I am out of thousands of dollars and I need your help to try to recover my money.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: U.S. BANCORP
State: MI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Hello, I never contacted US bank nor have I ever had a relationship with the bank. I recently purchased a home using an FHA loan and closed with XXXX XXXX XXXX XXXX on XX/XX/2021. An XXXX XXXX ( ex girlfriend of mine ) who works at US Bank as a mortgage loan officer accessed my person information on the government website for FHA connection. She shared this info with others. I made a complaint with US bank customer service about two weeks ago as a believe this violates federal law 18 ISC 1030. To date I have not received a response from US Bank. Her access should be recorded on that website. Her NMLS is 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 2020-03-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NC
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:
The credit bureau would not remove credit

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-11
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX XXXXXXXX, has violated my rights. 

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

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

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Mountain Run Solutions, LLC
State: OH
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to arrest you or take you to jail if you do not pay

Complaint:
I was called and told the collector told me that she was on the way to my house and that I would be arrested. She also asked me if I still reside at my current residence. She told me I could prevent this by making a payment. She even stated that if Im not home she would show up at my job.

She works for Mountain Run. This is a collection agency for XXXX XXXX XXXX XXXX.

Also I do not owe the debt. XXXX  charged me a monthly amount more than what they stated it would be when I agreed. I also requested a suspension of service while my job was on furlough. They refused and continued to bill me. They refused to resolve issues before sending my account to a collection agency Also he collection agency is restarted my start date to fraudulent damage my credit. This has been on my credit for over 7 years.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
We contacted Capital One and disputed a claim with the merchant XXXX XXXX. Capital One informed me Mastercard handles the disputes. We provided all of the correct documentation. As Mastercard investigated they contacted me and asked for more documentation. We provided more documentation. However, the merchant was not asked to provide more information, therefore, the case was closed. If Mastercard asked the merchant for more information, they would have found out he could not provide more information to support his position. Therefore, Mastercard did not completely investigation our disputed charge. Case Number with Capital One/Mastercard : XXXX

Company response to consumer: Closed with monetary relief