BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
i tried to call this number and i can not call long distance. I thought my complaint was pretty well described, I had a card with capital one and told them i wanted to close my account and when i tried to make the last payment they refused to take the payment .I called to find out why and was told my account was frozen. so this became their account they controlled the blocking of my final payment which isIllegal this is what i learned from XXXX free legal advice and they told me how to handle this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
Recently my employer ran a credit check on myself and unpaid balance on credit card from capital one appeared on the report under collection. I have currently XXXX credit cards from XXXX and all of them issued after the reported credit card in collection. 

Sometime back my gmail was hacked and all my personal information was leaked this clearly seems a identity theft issue therefore I would greatly appreciate if this issue is resolved at earliest

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: APR or interest rate

Complaint:
My interest rate is too high on my credit card. I have asked Capital One to lower the interest rate so that my payments can be affordable. Capital one stated that since I had payments returned to my bank that I am not eligible for an APR decrease. They have also sent me some things about my payment being so expensive because of my XXXX insurance. I do n't have a problem with the XXXX insurance being added to my payment. My concern is that I have such a high APR rate. I have had a card with Capital One for at least XXXX years. My question is ... There is n't XXXX time that my account was not in good standing for Capital One to decrease my APR in XXXX years? It seems very odd to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
On XXXX, I opted out of receiving unsolicited credit card offers by calling the number provided by Federal Trade Commission. Today, XXXX, I received an unsolicited credit offer from Capital One XXXX Rewards, XXXX XXXX XXXX, XXXX Virginia XXXX. Capital One has violated another opt out I placed a decade ago. It 's marketing is aggressive, unrelenting, and misleading.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Kimball, Tirey & St. John LLP
State: OH
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 and my wife was renting a apartment from XXXX XXXX XXXX XXXX at XXXX XXXX XXXX XXXX XXXX, on XX/XX/XXXX i infomed them, that becaue of job change i will be serrendring that location on XX/XX/XXXX which i did, my balance due was {$2000.00} which i told XXXX XXXX will pay, by XX/XX/XXXX they said i had to work everything out, kimball, tirey & St John LLP , i called them at XXXX XXXX to pay theysaid we can not located account, they said they will contact me after get a judgement on my and i, they sd our balance was XXXX. then over the course of 4 month we finally talk with the atty office XXXX XXXX said thay had judgement for {$2500.00} i asked how can you get a judgement without contacting me or serving us he said that wha they do, and that i have {$7300.00}, still due bring the total to {$9900.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-13
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
My mother and I are co-trustees on a Bank of the West personal trust checking and savings account. My mother is in-home care under XXXX, and she requires 24/7 care. I have been handling her personal finances for years using Bank of the West on-line banking. The on-line account with all of her important payees was XXXX XXXX/XXXX/15 by the bank due to retaliation for my requesting a written explanation why a payment scheduled for XXXX payment was late. The payee was furious after receiving yet another delayed payment. I used the on-line system to register the complaint XXXX/XXXX/15 in order to have an official record. Late payments have been going on for months, and I have been reporting into Executive Office, which has not offered any remedy. The bank is not taking responsibility or even acknowledging late payments, and XXXX the on-line account I 've always used, which cut me off from accessing all the records I 've established to appropriate handle my mom 's money management to timely pay all debtors. This is elder abuse because it has created a situation impacting payments necessary to ensure my mom 's needed care and well being. Their late-payment processing and lack of taking responsibility for it are unethical. HELP PLEASE!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-31
Company: REGIONS FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account on XX/XX/2017 for a bonus {$400.00} promotion they advertised. I opened this account over the phone and funded the account with my visa card the same day with {$1000.00}. I received the debit card several days later. When I called to activate, I was informed the account had been closed the same day and that I would get a refund of the opening deposit as well a letter explaining the closure. I called on XX/XX/2017 to inquire ron the status of my {$1000.00} deposit. I was informed by XXXX that there was no posting of the opening deposit and that no refund would be issued.

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 2015-07-30
Company: AFNI INC.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
A settlement agreement was made with the creditors ( XXXX ) collection agent ( AFNI ) to reduce the amount owed due to hardship to {$450.00} from {$650.00}. An immediate direct debit payment of {$150.00} as was made as advised to secure the settled reduced amount and a further {$330.00} was deducted few days later. I spoke with the rep to clarify the payments were received and was promised that a settlement letter was to be sent to me ; it was never received but i did receive further letters from Direct TV in forming me that I still owed this debt in full. On the XXXX XXXX 2015, I spoke with a XXXX rep and a XXXX supervisor who both told me that the arrangement made with their collection agent has nothing to do with XXXX and I still owed a balance which I still do not understand. Please explain why XXXX XXXX has a collection company offering settlement options to its customers and how they can relinquish the agreement after receiving the said settlement without notice or advise that they are able to do this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On or around XXXX XXXX, 2016 I cancelled a Capital One credit card due to fraudulent charges. On XXXX XXXX, 2016 the same merchant fraudulently charged the same account ( which was closed 25 days earlier ). I followed Capital One 's advice on said cancellation but they failed to protect my account.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-04
Company: Amsher Collection Services, Inc.
State: TN
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Repeated calls that we refuse to answer, we do not owe anything to any companies, no past due debts, no outstanding payments. 
They leave messages everyday, they call 2 or 3 times a day. I have called their number and no one ever answers, goes to voicemail. 
This has been going on for 3 weeks + now ...

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I maintain a checking account with XXXX Bank and a XXXX credit card account with Capital One. I used XXXX 's bill payment service to pay my Capital One Visa credit card bill in full but it was credited to my credit card account XXXX day late, resulting in a {$25.00} late payment fee plus {$25.00} interest. Specifically, I asked for the {$120.00} payment to be sent on Wednesday, XXXX XXXX, 2015. According to XXXX, it was delivered on Thursday, XXXX XXXX, but Capital One credited the payment on Saturday, XXXX XXXX. The payment was due on XXXX XXXX, hence the late payment and interest. 

I complained to Capital One, which agreed to refund the late payment but not the interest. 

I 'm notifying the CFPB because I ca n't tell which bank XXXX up and I ca n't know whether this is fraud. But it seems very suspicious. Individually, I 'm only out {$25.00} and I do n't expect the CFPB to get that back for me. But if this is happening to many people then it could add up to a very large amount of money. 

I can provide complete documentation if needed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
This is a continuation of my previous complaint OMB # XXXX XXXX after further review of Wells Fargo website. I found the information concerning the disaster assistance programs that states they offer enhanced payment options based on individual needs. This statement infers there are additional programs other than a moratorium that would have been a better option. In addition it also states they offer a 12 month repayment plan for arrears ( at that time would have been equivalent to XXXX - XXXX payments ) was never offered even when we were told we did n't qualify for a modification. We were initially told the first attempt it was because not enough time passed since the previous modification but we were encouraged to try again so we did and was denied again. A few months after the second denial I attempted again and was told their findings were that our home was affordable ( We make too much money ) and we do n't qualify for a modification and that we would have to show a reduction in income to be considered for any type of assistance. We never said we were having financial hardship due to income it was due to the flood and the fact that we had some minor damage to our home and lost a vehicle at that time. So I continued to periodically check in with Wells Fargo for any new programs or assistance only to be told that we would never get any other assistance with our mortgage and to basically short sale or deed in lieu. The inconsistency of information leads me to ask are the employees at Wells Fargo certified on UDAAP policies and procedures. Our loan escalated from a disaster assistance program recipient to foreclosure referral. As our loan servicer Wells Fargo has a responsibility to provide full disclosure and agreement when changing the terms of a loan ( which I believe a mortorium falls under this category ) if you allow or encourage consumers to skip XXXX payments knowing this puts them at great risk for default without offering a resolution at the end of the assistance is willingly putting consumers at risk for losing their homes. We pray for quick resolution and the opportunity to remain in the home we 've been raising our family in. Wells Fargo please make this right.

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 2015-06-22
Company: EOS Holdings, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
EOS CCA asked for verification of my address and last XXXX of social. They said they take care of private personal matters but never disclosed this was to collect a debt. In addition when asked repeatedly what company they were calling on behalf of, they said they could not reveal that information. I said that is the law but they still refused to give the information. I said I would not be verifying anything until they mentioned the client they were calling on behalf of since I do n't know what EOS CCA is.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-02
Company: Real Time Group, Inc.
State: CO
Product: Debt collection
Sub-product: Mortgage
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I was involved in a real estate investment over 10 years ago. I lost one property to a foreclosure. There was a 1st and 2nd mortgage on that property. The 1st was taken care of in the foreclosure and the 2nd was sold off to numerous companies. I hired an attorney years ago to try to take care of this account. We continued to ask for proof of the loan which they could never produce. It has now been reporting as a 180 late mortgage only on XXXX. We have disputed this numerous times and asking for proof of the loan. The company is Real Time Resolutions. They have not provided any documented proof and now say they have sold the loan and do not have any information. Their response to XXXX continues to be they are reporting accurately. XXXX has told us they do not need to give written proof. My understanding under the FCRA is : The credit reporting company and the creditors should investigate the dispute or fix any mistake. If the disputed info is wrong or can not be verified, the creditor must delete or change it and provide a correction to the credit reporting company that received the disputed information. 
We are unable to refinance due to this continuing to report an 180 day late mortgage payment. I will attach XXXX credit reports. 
Thank you for your assistance!

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 2022-10-01
Company: AFNI INC.
State: MI
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
Afti/Comcast says I didnt pay a bill of {$230.00} from XXXX 2022. This is an error on their part. I ordered a new service but Customer Service had all wrong information. When tech came to home to install he had all wrong equipment, etc He corrected new service order and I waited another week for installation. I believe this {$230.00} amount is two months of what was ordered wrong. I am currently paying on the correct service monthly with Comcast ( paid on time each month ). I do not owe them {$230.00}. Besides all of this, Comcast never communicated with me in anyway that this was due. It just showed up on my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-16
Company: WELLS FARGO & COMPANY
State: MI
Product: Credit card
Issue: Late fee

Complaint:
I had a Wells Fargo credit card. I was making monthly payments automatically. After some time, I noticed that Wells Fargo was charging me late fees. When I inquired, they said they had n't received my payments on time. But my receipts from XXXX show that the automatic payments came out of the first or second of every month ; therefore, I should never have been charged any late fees at all. When I called Wells Fargo on multiple occasions, they offered to remove only XXXX of the XXXX late fees.

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 2016-07-10
Company: Experian Information Solutions Inc.
State: MA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have written and contacted Experian so many times, and their most recent shenanigans involves them not removing items from my credit report, even after the collection agencies have notified them to remove such items. There are accounts in collections that the companies have stated should be removed but the credit reporting company is neglecting the requests. I am asking that the items be removed today! and an apology letter to follow.

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 2017-10-11
Company: MCS MORTGAGE BANKERS, INC.
State: MI
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
Ya I need some serious help I am so sick and tired of lenders hiding things and making up things that are totally false and untrue just to get your loan and scam you. I put a lot of trust in this compnay and got XXXX. What happen is i was going through XXXX XXXX Branch XXXX and Business development NMLS # XXXX XXXX XXXX XXXX, Building XXXX XXXX XXXX, NY, XXXX Office : XXXX Toll Free : XXXX ext XXXX Cell : XXXX Fax : XXXX Personally licensed in : AL, CA, CT, FL, GA, IL, IN, LA, MD, MA, MI, NH, NJ, NY, NC, OH, PA, SC, TX, VA cid : XXXXXXXXXXXX Corporate Headquarters XXXX XXXX XXXX XXXX NY XXXX XXXX XXXX Mortgage Bankers - XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX that my loan was already approved not to worry dont make XXXX or XXXX house payment and to go ahead and get appraisal doen however after getting appraisal there was all these hidden closen cost XXXX closing cost with XXXX less cash out becasue the apraisal didnt come in as they XXXX so i am going with a new lender i will not work with someone who with lie cheat XXXX from me and was treated like XXXX would get very upset with me especially now XXXX XXXX going with him then i saved voicemails where he has been calling me basically XXXX me XXXX me to go with them they will adjust number take out points so on i told them with a emial that i do not XXXX XXXX do this loan he kept on bother me and at time in best he would get very angry and yell at me im tired getting treated like XXXX XXXX lender i XXXX to say that he shoudl not be that way thats totall innapropraiete so I am asking if you help me get the XXXX dollers back from my appraisal or XXXX have them release it over so i can use for the new lender i dont believe that i should pay for another XXXX when i can use this XXXX and all they need to do is XXXX over and give permission to use it. Thank you XXXX XXXX XXXX XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
An account with XXXX XXXX XXXX is showing on my credit report through Experian and it is not accurate. I contacted XXXX XXXX and they agreed to remove the item from my reports however Experian has yet to update their files.

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 2017-03-16
Company: U.S. BANCORP
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I was given a Visa debit card as a XXXX gift by my employees. When I attempted to use the card I learned that it had a zero balance. Following a little more investigation I learned that several transactions had been made using the card number and had exhausted the cash value. I called XXXX at XXXX but could not talk to a person. I left my phone number with a request for a phone call I received nothing. A few days later I called again but was still unable to speak with anyone so I faxed all the information to XXXX at XXXX on XXXX XXXX, 2017. I was assigned XXXX case numbers XXXX and XXXX via a letter sent to me on XXXX XXXX, 2017. Yesterday a representative called my home phone and left a message stating that I needed to start the whole process over. I called again today and waited on the phone line for 30 minutes just hoping that I would get to talk with a real person. No luck. Please help 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 2015-10-23
Company: Empowerment Ventures, LLC
State: WI
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
On XXXX/XXXX/15 {$950.00} was directly deposited to my rushcard. Immediately I made some purchases. Leaving an available balance of {$590.00} on my rush card. On XXXX/XXXX/15 I received a text message saying my card has been blocked and to contact a representative at rush card. Numerous attempts were made to contact a rep. On XXXX I found out I would have to wait for rush card officials to " fix '' their system in order to spend my own money. Not one rep could tell me when this would take place. As of this evening I 'm still not given a specific time frame my hard earned money would be available to me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-08-24
Company: SQUARETWO FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I am receiving calls from a debt collection company for a non-existent debt. I originally filed a complaint to comsumerfinance.gov XX/XX/2014. The company'w response was that my name was closely associated with one they had a contract with. They admitted they had no contract with my name or s.s. number and said they had removed my number from their system. However, to this day they continue to call me and leave messages that I need to contact someone in their company about a debt.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation