BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : 60 days past due as of XX/XX/XXXX, XX/XX/XXXX and 30 days past due as of 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.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
My wife has a shopping addiction. She has run up credit cards in my name. Ones that I did n't know I had. The worst is capital one. I took {$10000.00} dollars out of my 401 so I could settle that dept. then I find another for {$5000.00}. They stop credit on that card but still send us applications for new cards. I feel they target people like my wife and it reall XXXX Sincerely XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: CCS Financial Services, Inc.
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
OK ... .SOMEBODY USED MY MIDDLE NAME AND FORMER MARRIED NAME TO OPEN A XXXX ACCOUNT AT AN ADDRESS I NEVER RESIDED AT. I DO NOT KNOW WHO DID THIS ... HOWEVER, THIS NEEDS TO BE REMOVED FROM ALL OF MY CREDIT BUREAUS ... .I SPOKE WITH THE DEBT COLLECTORS YESTERDAY AND THEY CLAIMED THAT THE DEBT WAS CLOSED AS OF XXXX XXXX, 2016 ... ..HOWEVER, IT IS SHOWING UP ON MY XXXX REPORT! XXXX!!! I DO NOT BELIEVE THEM, EVEN THOUGH THEY DOUBLE CHECKED!

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-08
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I was reported 30 days late by my bank which I have a line of credit with. For some reason our check did not get processed properly because of a bank error or mistake. They got my check and then returned it back. We followed all bank guidelines for listing information for external payments coming from banks. As of a result my payment was never processed properly and a negative remark was placed on my credit report. I 've disputed and requested an investigation however I 'll I got was a letter from experian saying that my letter was sent by someone else and they we 're not going to help me .... I sent it in and attached my ids.. weird that they would send that to me. I need to get this handled because I have goals in the future for my credit. attached is the usps tracking number and the letter XXXX sent me along with the check image thanks 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 2015-07-10
Company: Collection Bureau of America Ltd.
State: TX
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:
Collection Bureaus of America has this on my credit reports and is trying to collect for XXXX XXXX ( please see attached ). 
I never had an account with XXXX AND I NEVER lived at the service address listed!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was trying to transfer money between my checking account and another account with Capital One. When I logged in, I found that ALL of my accounts were blocked. This included XXXX savings account, XXXX checking account and XXXX saver accounts for my children. This nightmare started on Wednesday XXXX XXXX. When I called I was told there was possible fraud on the accounts, and that there was an 30 minute wait time to speak with someone. I called back later, waited over an hour. When I finally spoke to someone they told me that all my accounts needed to remain frozen pending investigation. I finally spoke to an " investigator '' late the following day. Who told me that she would still not be able to unlock my accounts ( mind you ALL my money was at Cap One ). I finally called back on Friday to fins out the investigation was complete and there was no outcome. But at this time, I was told that all new accounts needed to be set up ... which STILL left me without any access to MY money. Funny, when my direct deposit was done on XXXX, Cap One allowed that transaction to go through. I was told on Friday when the new accounts were set up, it was not possible to overnight my new cards to me. It was not until XXXX that I finally got cards to access my accounts. I was told several times that I could travel over an hour to a branch to access the funds, but as a single mom working full-time, this was not an option. I am not sure how it is legal to keep someone from their money. When the new accounts were set up there was no linkage between the old and the new. This means that all my payments and checks written were not honored by Cap One, even though I had plenty of funds to cover. In addition, I was charged NSF fees!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Regarding a fraudulent Capital One credit card account that I have been fighting since XXXX, 2015. I sent Capital One a notarized ID theft affidavit back around XX/XX/XXXX/XX/XX/XXXX. They claim that it 's my responsibility when I did not authorize anyone to open the account. However, I am suspecting it is a family member who did reside at my home from the time the account was opened and then used. Unfortunately, I am unable to contact this relative, nor have any of my family members had such luck. Yes, he did reside at my home, yes he did have access to my personal items such as cellphone, computer and filing cabinet, and it would not be his first time committing fraud. Capital One has failed to recognize this instance, in a time that we are living where ID Theft is astronomical in crimes committed. I also want to add that I have fought this account with the credit agencies and had it removed, however, Capital One has gone ahead and reposted this account. I am willing to fight this fraudulent account to the end, and will pursue legal matters against Capital One until my name is cleared. Finding and prosecuting my relative is a bit more trying. The account number is XXXX. I am going to file another complaint with the XXXX as well as the FTC and Virginia State Attorney.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: Kriya Capital, LLC
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I do n't owe this debt. It was paid before I transferred my XXXX XXXX XXXX account to my new residence. Credence calls me multiple times per day and is pushy on the phone despite me requesting multiple times not to call. They call my girlfriend, who did n't even live at the residence they have on file, and ask for me. It concerns me how they got her information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-05
Company: JH Portfolio Debt Equities, LLC
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have never applied for any credit card. I do not have any credits to my name. This do not belong to me at all. I have this on my credit and I do not understand why. I have been asking for proof that this is my debt. I have have n't received anything on this matter. I need this removed from my credit it 's making my credit look bad and I do n't even own a credit card at all.

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 2016-12-22
Company: Resurgent Capital Services L.P.
State: CA
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:
Recently I contacted the XXXX credit bureaus XXXX, XXXX, XXXX requesting my annual credit report and I realize that the company named PINNACLE LLC / RESURGENT with address XXXX XXXX XXXX, XXXX, SC XXXX with telephone number ( XXXX ) XXXX. And I realized that this company is trying to collect XXXX dollars in the name of XXXX XXXX. Where I at no time authorize XXXX XXXX to share my personal information such as my social security, my date of birth and my first name and my last name with any collection company including PINNACLE XXXX Therefore I need PINNACLE LLC / RESURGENT to erase my information from their records and stop trying to collect the amount of XXXX since I never sign any contract with them where I authorized them to have my personal data to satisfy its business. Therefore and others I demand this company remove my data from their files, so that I do not have to see the obligation to take legal action, since in the past I was a victim of identity theft

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: Delta Management Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
XXXX from Delta Management calls my family and place of employment- Does not call me- stating that he is issuing a warrant on me. He calls and requests information from my place of employment without stating a reason. He has shared my ss # with people he has talked to. I spoke with him once on the phone at my plae of employment. He requested information from me and wanted to " verify '' who I was without telling me who he was or why so I did not share any information with him.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Commonwealth Financial Systems, Inc.
State: NM
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Upon checking my credit report, in both XXXX and XXXX I came upon a debt for {$610.00} on an ambulance charge with XXXX XXXX XXXX as the original creditor. The opened date was XXXX XXXX, XXXX and the last reported date as of XXXX XXXX, XXXX. I believe this debt to not be mine as I do have medical insurance through my employer and have not had to use an ambulance service but my insurance would have covered it if I did. I do have other ambulance service debts reporting on my credit report, however they are being reported by XXXX XXXX XXXX XXXX XXXX as the original creditor and the opened date is from XX/XX/XXXX and XX/XX/XXXX, but is being collected by another debt collection agency. I have disputed the debt with XXXX but have not with XXXX at the moment. I have also not received a verification of the debt by letter from the agency collecting this debt and had tried to call the number provided on my report but it states the voicemail is full. I also tried accessing the website but when providing my information such as, name, zip code, and last XXXX of my SSN, it states they are unable to find my information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: Lending Club Corp
State: AL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
As I said, Lending Club is reporting inaccurate information on my credit report and just admitted it directly. According to their reporting to the credit bureaus, the alleged agreed on monthly payment amount is {$43.00} and now they are saying that it is {$43.00} and that IS NOT what is being reported on my credit report. And again, this amount DOES NOT add up to the amount they are alleging. It 's just simple math and it STILL is coming back as verified even thought it does not add up. THIS INFORMATION IS INACCURATE AND SHOULD BE DELETED. And I ca n't log in and check anything because I do n't HAVE an account with you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-03
Company: Commonwealth Financial Systems, Inc.
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have repeatedly received collections against my credit from these collectors. I always have to contact the credit bureaus and get them to clear out the collection. I have no knowledge of this collection. I would like to stop being harassed by these collectors about something that is not mine. I do n't have any bills from them and I have no information about this. They repeatedly add collections to my account even though I have told them to stop many times. They must stop trying to collect debt I do not owe.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I received a letter on XXXX XXXX, 2016 stating all of my Citibank , N.A . credit card accounts were closed ( accounts ending in XXXX, XXXX, and XXXX ). I lost access to XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) and XXXX of my Citi Thank You Rewards points ( in account ending in XXXX ) for a total of XXXX points. Normally you have 60 days to access your points after the closure of an account but when calling Citibank, I was told that I could not do that. Each point could be used at a value of XXXX cents a point for airfare. Therefore, I lost {$550.00} of money from my account that I had already earned. Citi is not giving me access to that. I would like access to those points to redeem them for their value or to be paid the value of the points in a check. 

On XXXX of my accounts, I paid a {$450.00} annual fee. I would like to have the annual fee prorated for the remainder of the time that I now do n't have the card. 

If Citibank is going to close my accounts, then I want to get the rewards that I had already earned and the annual fee money back.

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 2016-09-12
Company: BARCLAYS BANK DELAWARE
State: UT
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I applied for a XXXX XXXX card from Barclays in XXXX of XXXX. There was a Welcome Bonus of XXXX points after paying the annual fee. I paid the annual fee of {$89.00} in my first billing cycle but never received the points as promised ( exhibit XXXX ). Shortly after I was approved, Barclays converted the account to an XXXX XXXX XXXX XXXX card, due to the XXXX XXXX merger. Because the old XXXX XXXX product was no longer being offered, I could not look up online to confirm what the requirements were to get the bonus. From my understanding, I met them by paying my annual fee. After I got my new XXXX card I used it in XXXX of XXXX, hoping that would trigger my XXXX points I never received ( exhibit B ). 

By XXXX I used Barclay 's secure message service on their website to submit a complaint and ask where my points were ( exhibit C ). I was told I did n't meet the requirements ( even though I paid my annual fee ) because I did n't make a purchase. I did n't ever see that in the terms and conditions when I applied, and again, could n't be found online due to the original XXXX XXXX product being discontinued. 

Hoping for a better resolution from Barclay 's XXXX team I contacted Barclay 's on a secure XXXX message to ask where my points were ( exhibit D ). I was promised I would see the points on my next statement. I was not notified that I failed to meet the requirements. 

My next statement would be XXXX, I did n't receive a statement that month. XXXX was the last statement I ever received in XXXX ( exhibit E ). I did n't receive a statement until XXXX of XXXX. There was nothing on the statement. Nothing due, no rewards points, no balance, nothing ( exhibit F ). 

Fed up and frustrated with Barclay 's I forgot about the account. 

I 'm now just realizing I 've been charged an annual fee for my second year, and two late payments. 

If Barclay 's will not keep their word of honoring the original agreement of rewarding me XXXX points upon paying my first annual fee in XXXX, and will not honor their promise to reward me my points when I asked for them in XXXX, I ca n't be expected to pay an annual fee on this account. 

I 've since been charged two {$25.00} late payment fees because I have n't paid off the 2nd year annual fee on time. I will not be paying the annual fee, or the late payment fees, as Barclay 's has broken our agreement. 

{$89.00} - 1st annual fee ( paid in full - Exhibit A ) {$89.00} - 2nd annual fee ( only paid {$25.00} in XXXX - Exhibit G, and {$51.00} in XXXX - Exhibit H - of the fees before realizing Barclay 's never honored agreement )

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 monetary relief
Consumer complaint received 2015-03-24
Company: SYNCHRONY FINANCIAL
State: NH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
repeated phone calls on my cell phone and to my work. Called my ex-husband, my XXXX neighbor, threatened me at work. called 5 times within 10 minutes at my job. Yelled at me they wanted HR and then the payroll manager to garnish my wages. I told them I was at work and could not receive phone calls. Immediately after receiving this information, they called repeatedly with more threats.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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 am writing to the CFPB in regards to the false reporting on my credit reports from all three bureaus.I am the victim of identity theft and have filed with both the IRS and social security administration regarding this situation. The theft was brought to my attention by the IRS when I e-filed my XXXX return. I was notified that my social security number was not matching my birthdate on file. This started my thorough review of all three bureaus reporting information and found numerous issues with aliases, addresses, accounts and companies reporting account that were either closed or passed on to collection. 
In trying to safeguard my file I diligently wrote to all three bureaus and disputed all inaccuracies reported and have had some success in rectifying this damaging situation. 
One account reporting in collections is from XXXX XXXX XXXX, Report # XXXX, for the amount of {$3000.00}. This account was bought by XXXX in XXXX and they have not provided me with the requested information to substantiate this account such as- commencement agreement with my signature, all statements on the account to date and to what address the statements were sent and how were payments made if any on this fraudulent account. none of which has been provided to me. Another fraudulent account under XXXX XXXX XXXX has been removed as they could not provide the requested information requested and XXXX removed the reporting. Since then, a second request was sent to XXXX to remove the account still reporting and they have not. They have not provided relevant documentation proving ownership of this account and continue reporting the fraudulent account on my report. I have involved the IRS, Social Security Administration and FTC as well as my attorney general. Further, Transunion Continues to report both XXXX XXXX Accounts under my report as well and have not provided due diligence in removing these. I have had to cancel all credit cards, notify my bank and submit affidavits, change my passwords on all external billing sites and monthly direct debits for bills. This is frustrating and unfair that I now have to work to remove these inaccuracies and have zero consumer protection from said credit bureaus. I am filing with the attorney general if these issues are not remedied, against XXXX XXXX XXXX and the bureaus for the continuous false reporting. I have supplied the bureaus with the following ; social security card, passport, drivers license, birth certificate, address for the past two years and the government affidavit to the IRS. 
I welcome any help that the CFPB can lend.

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 2016-09-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I have been fighting with Synchrony Bank with credit card accounts they said I open on line. When I asked them to please validate that information all they show me are bills with my name attached to them an a online application with my social and address but not the correct phone number. Also what I told them is when I apply for credit I always either use my middle name or middle initial because within XXXX miles of where I live there are several individuals with the same name as myself. The company refuse to remove anything and has me liable for those accounts, however I receive in the mail today a letter from them saying they will delete the credit inquiry that I never made from my credit file. What can I do to get not just the credit inquiry removed but the unauthorized accounts in my name removed also?

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