BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Privacy

Complaint:
We called Capiital One Bank at XXXX at XX/XX/XXXX on XX/XX/2015. We were asked question from the automated system including credit card number, social security number ( last XXXX ), security question, date of birth. After providing these answer we requested to speak to a 'representative '. The system responded that sorry we a closed, please call back during normal business hours. This seems wrong. We called back and were directed to someone in XXXX XXXX. 

We called a third time and spoke to several people at Capital One who did not understand the seriousness of information being provided to a department /organization that should not have my personal information. 

Further, when we called again, my wife spoke to someone who attempted to assist. They spoke a short while, and then handed me the phone. The Capital One employee, XXXX, then told me her name and said that we were on a recorded phone line. Interestingly there was no announcement to my wife about that the call was being recorded. 

We called again, and we recorded the phone call, the automated system DID NOT report that we were on a recorded line. We spoke to a representative who further DID NOT state that we were on a recorded line. We reported to the representative that we were recording their conversation. 

It is my understanding that when the Bank must state that calls are being recorded when they may be recorded. 

Our attempts to get someone from Capital One bank to be concerned over either issue was unsuccessful. 

We are concerned that : The Capital One Bank phone / computer system has been compromised and provides outsiders with personal information that could risk my identity. 

We are concerned that Capital One telephone banking does not provide information regarding when calls are being recording.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Bread Financial Holdings, Inc.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Account sold or transferred to another company

Complaint:
Sony Card ~XXXX XXXX transferred to Comenity Bank in XX/XX/2019. 

Did not receive new credit cards or notices that Sony Card was  transferring its ' credit card accounts to Comenity.

Credit cards were requested several times.

No billing statements were ever sent by Comenity.

My payments ( 2 ) were not accepted by Comenity, as I had a wrong routing number for my on-line checking account. 

Comenity has suspended by use of the Sony Card, even though I now have a {$0.00} balance. My account is frozen for three months.

I have called Commenity many times ~ always the same answer ~ that's our policy. No one here can change that policy.XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: ERC
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
In XXXX of 2015, I received an alert from my credit monitoring service that Enhanced Recovery LLC had placed a collection account on my credit report. I did NOT receive any communication from this company. I immediately sent a request for debt validation by certified mail according to the FDCPA. I did not receive a response. I sent a XXXX request in XXXX 2015 by certified mail. I still have n't received a response although they are continuing to report the debt on my credit report.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: Experian Information Solutions Inc.
State: PA
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:
Sometime in late XXXX early XXXX I disputed with this creditor I asked him to validate The debt and all they sent me was a screenshot that's not proof I asked him for my signature which I have a little attached and my claim you'll see all the results that they sent me

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 2017-04-28
Company: Ocwen Financial Corporation
State: KS
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I 'm a  XXXX   XXXX   XXXX   XXXX  with a   XXXX   year child. I tried to refinance my house and use some of my equity in my home to pay for my  XXXX   year olds educ ational expenses. Over one year ago the title company came back and said the title to my home was clouded as a result of clearly fraudulent assignme  nts by OCWEN.
Enclosed you will find the title opinion from last year. OCWEN REFUSES TO EVEN ADDRESS THIS ISSUE.       How can this be right? I am entitled to use the over  XXXX  in equity in my home and ca n't as a direct result of fr aud by OCWEN. I simply have asked them to fix the assignments. I wanted nothing from them other  than to do what is legally required.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Block, Inc.
State: WA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I got scammed for {$300.00} ( was not autherized ) on XX/XX/XXXXXXXX XXXX XXXXXXXXXXXX XXXX through my Cashapp. Contacted support through chat many times ( which is extremely difficult, look at the time stamps of the screen shots ). I called them after a few failed attempts though the chat bubble, explained that {$300.00} with XXXX XXXX XXXX is fraud and I need it investigated/refunded. Girl on the phone sounded legit and gave me case # XXXX. But I looked today and it says refund declined ... {$300.00} really isnt quite my worry as much as holding Cashapp responsible at this point.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: Diversified Consultants, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Received a phone call from XXXX XXXX CA phone number XXXX XXXX XXXX XXXX. Caller asked who I was, I never stated I asked " May I ask who is calling '' the caller stated they where a debt collector and asked to verify my address. The caller stated an old address I no longer lived at. The caller stated only the numbers and street and ask me to verify the city and state. So i verified the city and state, they caller then told me that I had a past due Balance of {$580.00} with XXXX. I told the caller I never had XXXX service I have XXXX they caller then stated " Oh I 'm sorry then my mistake '' then hung up the phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: LD Holdings Group, LLC
State: IL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I just received a new loan through LoanDepot. I 'm having trouble setting up an online account, as I want to pay beyond my minimum but i want to make sure I can set it up as additional principle. 

The web site wo n't let me register for an online account, and there is no phone number to talk to anyone directly. I emailed, and I got a response they needed more information - I do n't feel very comfortable sending my loan # and last XXXX of a social over email, but they wo n't communicate with me unless I do so. I 'm told 24 hour turn around. 

1 week later, I get an apology email for +24 hours to communicate, and then a " You can talk to us better if you click on email account rep in your loan account. '' But I ca n't get online. How do I communicate with a bank that communicates only online if I can not get online? 

I 'd love for mortgages to be like ANY other industry, where I can take my business elsewhere, if they 'll have me. I have perfect credit, I pay on time, and now I 'm stuck with this loan company? I do n't even know how to move forward with them. I obviously paid my first month through checking, but I like being sure my payments were received well before my payment date.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-16
Company: Diversified Consultants, Inc.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I was customer with T mobile # XXXX XXXX promised to get a discount thru my company XXXX. OF XXXX % OF MY BILL .on the first year they granted, and the following they ask for probe that if I was still employ by the company I fax even my Pay stub and Denied .they did n't apply the discount .the bill came higher finally the block the phone .and they send me to Collection Agency before they came with amount of XXXX and I ask to explain why and if was possible to please mail detail letter with all the charges. And then told me not they will bring to over {$2000.00}. Because they argue the phone need insurance that I have never requested by the time they do suspension I owe them around {$500.00} for XXXX Telephone. 

Them I was paying thru XXXX XXXX XXXX .but they stop taking the payment next thing is they will put a lawyer. is not my fault that no one know who is collecting the money. 

And I really need help .I 'm willing to pay what is right .I ca n't pay for something I did not ask for I feel been Assault. By this Company. 

I do have all the Papers with the denial about my discount 's iknow for sure I do n't owe over $ XXXX.and to find out who authorize Insurance on phone. 

Please SOS WITH Companies Thanks in Advance. 

XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-28
Company: AES/PHEAA
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I was given misinformation by one representative on when my grace period would start based on when FedLoan Servicing receives the letter of separation about my graduation from my university. I had graduated in XXXX XXXX, 2016 and made a call XXXX XXXX, 2016 to confirm the status of my grace period. I told the representative that I had just graduated but that my FedLoan account still showed that I was enrolled so I was not sure when my grace period would start and that I would be accruing interest. The representative was sure that the grace period would start the day my school sends them the letter of separation, not the day I graduate. She gave an example in which FedLoan receives the letter in XXXX : the grace period would then start XXXX and I would have six months from XXXX before repayment. This information was wrong and it turns out that interest has been accruing since XXXX XXXX without my notice since I believed I would be charged interest from the day FedLoan receives the letter. I trusted that as my student loan servicer, FedLoan Servicing would provide me the correct information but that was wrong and I now bear the cost of their misinformation. I thought that as a student loan servicer, FedLoan 's information would be the most up-to-date, especially because I was still showing to be enrolled on FedLoan 's online portal. I wanted to make sure that my grace period has not started and was told that it did not. Customer service was not helpful about remedying the mistake, which was made with the wrong information. I can not believe they are still allowed to be a student loan servicer when they obviously do not care about the students they service and do not own up to their mistake. How is this allowed when you deal with so many students asking similar questions and you are giving out the wrong information? FedLoan Servicing should not be allowed to handle student loans.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
USSA has a CD in the amount of {$3000.00}. Which secures an XXXX XXXX Credit Card. Once again I have made a payment of {$2300.00} which cleared the account that on XXXX XXXX, 2016, posted to the USAA account on XXXX XXXX, 2016 but still not showing in the available credit. The reasons stated for payments to be held by USAA are account bring over the limit, account being delinquent, account receiving multiple payments, account delinquent, account over the limit, payment amount history over the limit and or payment returned. I wanted to know which category this account falls into and I was told multiple payments in a short period of time. So my question was you do not want the payment, but prefer that the account goes over the limit, or become delinquent? XXXX then told me that the payment would post at midnight tonight. I asked to speak to someone in the XXXX. I was transferred to XXXX who told me that over the last 6 months the payments have been held. I explained to XXXX that I had filed a complaint with the Consumer Financial Protection Bureau and in fact that the payments had posted to the account in XXXX and XXXX of 2016. In addition, the same office he sits in placed a call to the XXXX XXXX XXXX XXXX and confirmed the XXXX payment had in fact cleared the account. That day it was stated the additional payments would clear for three months. But we are here again. A payment of {$270.00} and {$500.00} plus was credited to this account during this very time period. 
When a financial institution can hold payments for all the reasons listed above but none apply to the account in question, and the person reading the notes on the account can disavow the actual transactions in which have taken place leaves questions as to the validity of the account payments being held. I am questioning that validity. 
Additionally, I also have auto insurance with this same company but in the last 6 months, I have had to call XXXX and had to wait for 3 hours each time. I pay the insurance but could not obtain the services in the initial time told ( 30 minutes ) to be towed. 
This is a company that projects its services to Veterans, but to what extent are they providing the services they advertise?

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-06
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
Credit card has been denied on multiple recent occasions, and caused me to incur a {$10.00} fee with my gym for a failed monthly payment, likely due to issues with the bank 's conversion of my XXXX credit card account to a XXXX card account. My XXXX credit card ( " MC '' ) has been denied multiple times recently though the bank 's representative I called and spoke with on Monday, XXXX XXXX, confirmed that I was not delinquent ; she said the payments had apparently been declined for incorrect expiration date submissions. She confirmed the expiration date on my XXXX was the correct XXXX on file. I explained that my gym notified me that the monthly gym membership fee ( which the gym has been deducting on the XXXX of every month for over a year from my MC using the same card number and expiration date ) had been rejected and assessed me a {$10.00} fee and that other payments had also been rejected recently, including a payment for an XXXX purchase ( prior to the recent rejection XXXX had successfully processed payments using the stored MC information on multiple occasions ). I suggested that the payments had been rejected due to credit card conversion issues at USAA : my MC credit card account is being converted to a XXXX credit card. I 've been issued a new XXXX card and was told the XXXX would be good until late XXXX, but several payments have been rejected well before the disclosed cut-off date. The agent said all she could see in the system was the reason for rejection of my payments for incorrect expiration date. I asked to lodge a complaint with USAA since I was concerned my issue could signify a more systemic issue with the credit card conversion but the agent said all she could do was make a note on my account. So far as I know, I have only incurred a single {$10.00} fee from my gym and merely suffered inconveniences for other denied payments, though other consumers may have endured more significant harms.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-18
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
USAA charge off both home equity loans XXXX in XXXX XXXX. And most recent XXXX XXXX all payments have been maid and are up to date

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-28
Company: CarMax, Inc.
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Problems at the end of the loan or lease
Sub-issue: Problem with paying off the loan

Complaint:
I purchased my XXXX XXXX XXXX in XX/XX/XXXX. I purchased the vehicle for {$10000.00} with Carmax Auto Finance. I put down XXXX dollars with a car payment of XXXX for 5 years. I have paid XXXX dollars on my car and after 5 years Carmax Auto Finance is still saying I owe XXXX dollars on a car that is over 12 years old. This is predatory lending practices. They have tacked on an extra XXXX in fees on a vehicle that has been given me major car problems for the last three years. I am very angry and upset and feel I have been taken advantage of. I want the extra XXXX taken off because my car has been paid in full.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: NY
Product: Credit card
Issue: Credit determination

Complaint:
USAA pulled my credit report this resulted in an inquiry, which in turn lowers my credit score. There is an alert placed on my credit report to verify my identity. USAA made no attempt to verify my identity. I was told to call Equifax and have them remove the alert and then reapply for credit. This is unacceptable and extortion. The only reason listed for denial is Unable to verify applicant 's identity. XXXX application should not result in multiple inquires into a credit file and one should not be extorted into removing a protective alert because a company can not be bothered to attempt verification of identity. I have never had this problem as most companies ask verification questions as part of the application process.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-13
Company: Big Picture Loans, LLC
State: MD
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I asked for a payday loan of XXXX, payments of XXXX on my payday ( never happened, they have been charging the opposite weeks ), these payments will continue until 2018, which means I will be paying over XXXX for this XXXX loan.I have paid XXXX, and am willing to pay XXXX by money order to complete this transaction.I was not aware of this payment length until after I signed.The charging of the payment on opposite weeks also caused my account to be overdrafted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: CITIZENS FINANCIAL GROUP, INC.
State: RI
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I have XXXX different accounts with Citizens Bank and I transfer money daily into my other account because my other debit card got compromised and had to wait to get a new XXXX, so I had XXXX $ to pay my XXXX cell phone in the account but in the process if I had to pump gas or pay anything else I immediately would transfer the money but I still got hit with a XXXX $ overdraft fee for an check that came through for XXXX $ which was my daughters school pictures which I did forget about because that check I gave to the school in XXXX and they just cashed it on the XXXX of this month and the bank does n't want to help me reverse the overdraft fees. Can you please help me resolve this issue seeing I am XXXX with XXXX children under XXXX. I do n't think it 's fair what they 're doing. I have a savings account also with XXXX $ in it I constantly transfer which they see but wo n't help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-18
Company: ERC
State: ME
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I recently closed my XXXX XXXX XXXX account. Before I paid the final bill ( which I paid well within XXXX XXXX 's demands ), I was sent a letter from the Enhanced Recovery Company dated for XXXX XXXX, 2015 saying my account had been sent to collections and I owed XXXX dollars. I did n't receive this letter until XXXX XXXX due to it being forwarded from my old address. 

I paid my final bill on XXXX XXXX, 2015. Upon calling XXXX XXXX 's customer service, I found that my closed account was in good standing and had not been sent to collections. I believe that the ERC is at fault for attempting collections on me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-21
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I have a a unverified account from ENHANCED RECOVERY COMPANY # XXXX. I had previously disputed this account. I have never done business with ENHANCED RECOVERY COMPANY. Pursuant to the Fair Debt Collection Practices Act ( FDCPA ) 15 U.S.C.1692g, I dispute the validity of the debt ENHANCED RECOVERY COMPANY purport I owe. I request that ENHANCED RECOVERY COMPANY Provide verification of the following : 1. ) The original Application or contract ; 2. ) Any and all statements allegedly related to this debt ; 3. ) Any and all signed receipts ; 4. ) Any and all canceled checks ; 5. ) Original date of default and collection activity begin 6. ). Whether you purchased the debt, and if so, the amount paid for the debt 7. ) The date ( s ) the debt allegedly accrued ; 8. ) An itemization of the costs, including an accounting, for any additional interest, charges, or other fees placed on this account. I want to request that ENHANCED RECOVERY COMPANY Cease and Desist all further communications and collection actives and provide the verification of the purported debt.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief