BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
On XXXX XXXX, XXXX at about XXXX p.m. I attempted to enter into my Capital One XXXX account to make a payment. I received a system error message ( a similar screenshot is attached ). 

At about XXXX p.m., I called Capital One to see what the issue was and was connected with " XXXX '' at Capital One customer service. First, " XXXX XXXX said that I called last month claiming I wanted the account closed ( not true ). Next, he said that the account was closed due to possible fraudulently activity. Obviously, I was concerned of identity theft, so I pressed " XXXX '' for more details. 

" XXXX '' then accused me of fraud by saying that the account was opened fraudulently. I challenged this assertion, noting the account has been open for years and I paid every month on-time. I also questioned why if this was a possible fraud case I have not received ONE NOTIFICATION regarding these issues with my account. " XXXX '' then said I would need to wait to be contacted and " XXXX '' refused to divulge any more information. I then asked to speak to " XXXX 's '' supervisor. 

I do n't have " XXXX 's '' direct supervisor 's name, but the supervisor basically told me the same information as " XXXX. '' I then demanded to speak to a senior XXXX and after XXXX-minutes on hold I spoke to " XXXX. '' " XXXX '' said the account has been identified as a possible fraudulent account since XXXX XXXX and it has been closed. I then repeated my concerns that the first I am hearing about this is when I called about issues regarding my account. " XXXX '' claims a letter was sent by mail to my home ( not true ). Further, I did not appreciate being accused of fraud with no proof. Or, if I 'm the victim of identity theft, that I stand idly by until Capital One decides how to resolve this while leaving me in the dark with no information so that I can take steps to protect my credit. 

After being on the phone for XXXX-hour and XXXX-minutes, " XXXX '' said she would do nothing more for me and hung up the phone. I have contemporaneous written notes taken to back up all of the details above. 

Today, on XXXX XXXX, XXXX at about XXXX, I tried to log in again to make a payment and received an error message ( screenshot attached ). To this date, I have not received ONE MESSAGE from Capital One regarding the issues with my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-02-17
Company: I.C. System, Inc.
State: TX
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have been trying to get someone to listen when I say that this XXXX XXXX XXXX bill is not mine I never lived in the property they said the bill was was supposed to be. I have also been trying to get this 3rd party company to take it off my report along with all 3 agencies A third party can not report on your report and all 3 agencies are letting them do it over and over and over again. I WANT THIS STOPPED NOW. I have disputed this till I am sick of it. Legal action is next!!

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 2022-05-02
Company: Experian Information Solutions Inc.
State: TX
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 submitted a complaint on XX/XX/2022 to experian for reporting a fraudulent account AND the data furnished XXXX. XXXX responded that they are not reporting this information. Experian responded and said that the information is being reported and will be staying. 

In complaint XXXX XXXX responded that they are not reporting In complaint XXXX Experian responded and contradicted the XXXX XXXX Made. If XXXX told CFPB they arent reporting then this being on my credit by EXPERIAN is a violation of the FCRA!! They need to remove it. Or I will take legal action

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 2022-05-02
Company: Veros Credit, LLC
State: CO
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I have made several attempts to get information on the whereabouts of the vehicle. I was not provided with. **When was it sold? **What is the amount of the sale of this vehicle after I surrendered it? **If there is a deficiency, why was it sold for less than the amount owed? I have sent out a letter to the original seller on XX/XX/2022, & XX/XX/2022, with no response

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: BC SERVICES, INC.
State: WY
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This is the third time that this same sleazy claim for taxes to XXXX has been made, and the claim is invalid as I was NOT a resident of XXXX for the year the claim is made having retired and moved to XXXX. By the way, XXXX does NOT have income tax and the XXXX claim is for income paid to me in XXXX and NOT XXXXXXXX This claim for taxes underscores XXXX XXXX desperation to prop up their failing state government. This is may be the first time that BC Services has made a debt collection for taxes not owed from me but they are chasing " ghost debts '' attempting to shake down money from those who do not owe that money. They should be publicly shamed and I will take legal action if they do NOT drop their effort immediately. That action in XXXX requires they come to the XXXX  Court and pay a filing fee, and they will be subjected to paying any and all legal fees involved including treble damages for actual debt claimed. BC Services is NOT listed as a XXXX company and has not listed a XXXX representative where a summons can be filed compelling their attendance for legal action. I do NOT owe {$170.00} to XXXX and this was discharged by two previous debt collection attempts. This is nothing less than a criminal shake down for a debt NOT owed.

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 2017-10-23
Company: Ditech Financial LLC
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Struggling to pay mortgage

Complaint:
Hello : I am the original owner of my property at XXXX XXXX XXXX XXXX, XXXX XXXX, MD XXXX since XX/XX/XXXX. In XXXX XXXX, my family moved to XXXX, FL for work, and then to XXXX, KY in XXXX. At the high of the financial crisis, we were able to refinance the mortgage at 2.0 % ( $ XXXX ) fix rate under the XXXX. Obama HARP program via XXXX XXXX. We paid rent and the mortgage for XXXX year, before moving back in XX/XX/XXXX. In XXXX, Ditech took over the mortgage from XXXX, they immediately increased my fixed rate to 4.0 % ( {$1500.00} ), to 4.25 % ( {$1900.00} ) in XXXX XXXX and started charging me monthly fees saying that under HARP program, there was no more XXXX day grace period. In addition, the $ 800+ escrow amount for mortgage overpayments set up by XXXX disappeared from Ditech account records with no record to those funds being applied. Since,XX/XX/XXXX, Ditech has refused to apply my monthly mortgage payments, because I refused to sign a new agreement, for a XX/XX/XXXX year at $ XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
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: Was not notified of investigation status or results

Complaint:
I sent letters to all 3 credit bureaus on XX/XX/2021 regarding fraudulent, inaccurate and unverifiable items on my credit report. It has been over 35 days and I have not received a response from anybody. This is a violation of my rights due to not providing a notice of dispute and for failure to communicate that my disputed debt has been disputed. I demand these accounts be blocked, deleted and removed from my consumer report immediately or I will file for litigation. I am trying to obtain credit and these inaccurate, fraudulent and unverifiable items are preventing me from doing so.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-12-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MI
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Problem with a purchase or transfer
Sub-issue: Card company isn't resolving a dispute about a purchase or transfer

Complaint:
On XX/XX/21 my bank contacted me about possible fraudulent activity on my prepaid XXXX debit card. I immediately same day called them and they told me {$280.00} was the amount and would issue a temporary credit of that amount ( which they did ). However, after hanging up I checked into my account and noticed there were hundreds of fraud amounts they did not account for. Actually over {$1000.00} more. I called back on XX/XX/21 and spoke to a few different people with Supervisor named XXXX being the last one. She advised me that I was correct and they would be issuing that amount to me within 90 days which I thought was abnormally long as why they were able to credit my account the first time within 3 day or so. I waited and just called again on XX/XX/21 and spoke to XXXX and was told they were still investigating and they still had until XX/XX/XXXX to complete. I just called again today XX/XX/21 just to check the status and now am being told it hasn't even been entered and that they have 90 days from THAT time which they couldn't even tell me when that " start '' date would happen! I need some kind of clarification as to WHEN I can expect my money. This was money I was needing to live off of while being XXXX. I tried to not even use that card for a few months but have now been needing to. I have used up most other resources and would really like this to have some kind of resolution not just a wait and wait until they get to it??

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 2022-05-02
Company: Experian Information Solutions Inc.
State: LA
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:
Upon reviewing my updates, the incorrect information were still found in my reports which I believe has been taken care of due to the written appeals I sent. The last letter sent to Experian and XXXX was XX/XX/XXXX, but no response was ever received from them to date. Thus, their action has violated the Fair Credit Reporting Act, 15 USC Sections 1681i, which states that continued reports of the unverified information without any proof provided, within the time allowed by law, is not authorized. The following accounts listed below are still reporting on my Credit Reports and need to delete immediately XXXX XXXX XXXX XXXX Balance : {$0.00} Date Opened : XX/XX/XXXX ; XXXX  XXXX Balance : {$7500.00} Date Opened : XX/XX/XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: FL
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
PORTFOLIO RECOVERY ASSOCIATES : PURCHASERS OF XXXX 
Original creditor is XXXX XXXXXXXX XXXX. Account sold and resold to Portfolio, who claims ownership to account with the thundering statement of : " The original amount of this account was {$520.00} ''. 

No further clarification as to when or where or what was purchased. Just an existing balance with an incorrect date of last account activity/payment. No XXXX XXXX records custodian signing of on a paper trail of account ownership : just an existing amount - pay. 

Date opened - Date of Status : XX/XX/2017? Was that when XXXX XXXX was used to make the last purchase or when the last payment date was made? no paper trail offered - just an existing balance : pay.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-21
Company: Experian Information Solutions Inc.
State: NJ
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:
My request for the correction and removable of the erroneous information about my inquiries has been diligently neglected by Experian. Despite sending them the last letters for the said request, I have not received any response up to this date. Besides, the inaccurate information about my inquiries is still on my reports. Therefore, Experian has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time permitted by law and continued reporting as unverified information which now, given all my attempts to address it directly with the creditor, as willful negligence and non-compliance with federal statutes. Below are the inquiries that are still reporting on my account : XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX XXXX Date of Inquiry XX/XX/XXXX XXXX XXXX Date of Inquiry XX/XX/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 2020-04-23
Company: WESTERN UNION COMPANY, THE
State: FL
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Confusing or missing disclosures

Complaint:
I sent {$200.00} USD to XXXX on XX/XX/2020 with the agreement that it would take " 0-2 days '' for the transfer to show in the receivers bank account, The XXXX XXXX XXXX. Once the transaction is completed, I received an email stating it will be deposited " by XX/XX/2020. '' I am now being told that the received needs to be registered with a third party bank in XXXX prior before the transaction can be completed. The third party company was never mentioned at the initial and during the transaction. The receiver does not meet all the requirements for the third party and now I am being told I can not get a refund, I will have to wait on when they get the funds back to Western Union. I also called Western Union, spoke to XXXX twice and XXXX several times which resulted ion me being disrespected, hung upon, refused a supervisor, promised a call from a supervisor within hours, transferred to a ringing number with no answer or voice mail.My email today is to let you know that Western Union breached our contracted ad did not provide full disclosure prior to taking my money. It is now XX/XX/2020 and the receiver is not in receipt of the funds. Western Union mislead me to believe the money will go to XXXX XXXX XXXX XXXX and within 2 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: D&A Services, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
We have caller ID at work. A call came in to my work place which is against the law to do. Especially calling a total of XXXX times today. Other co-workers answered it and patched the call to me thinking it was one of my clients. The girl called herself XXXX XXXX and said my phone is being recorded and bluntly said my social security number which is very scary and just wrong. 
The call came in on XX/XX/XXXX-XXXX times that day. 

They should not be in business harassing people at their work and collecting a debt not even saying what the debit is for just screaming out my social security number. 

XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-23
Company: TD BANK US HOLDING COMPANY
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
ACTION : TD Bank called on XX/XX/XXXX at around XXXX Spoke with representative and supervisor. 

PROBLEM : I recently signed into my TD Bank account and received a pop up marketing message that tells me that my account has been " overdrawn/ATM card declined and that TD could have prevented this at their discretion '' in an attempt to get me to sign up for overdraft protection. The statement is a lie. I called TD Bank and had them confirm my account had not been overdrawn or ATM card declined. I asked for a supervisor who told me this was just a marketing practice and that she could not help me. I was referred to my bank XXXX. Even though their is no fee for the overdraft protection, by signing up you agree to be charged {$35.00} ever time you overdraft your account in the future.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-23
Company: EQUIFAX, INC.
State: GA
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:
on XXXX XXXX, I bought into a special discounted rate for season passes at XXXX XXXX over Georgia and paid {$64.00} total that day on a {$150.00} total price ( {$40.00} of which was not required ) On XXXX XXXX and XXXX XXXX my card was charged {$14.00} both times for a total of {$94.00} in all, sometime in XXXX my credit cart company sent a notification about a charge to my card I had not made. 
That card number was canceled and I got a new card, for whatever reason it took me XXXX or XXXX weeks to get a new card, ended up with XXXX replacement cards showing up all at once within the same week. 

XXXX XXXX emailed me about the card not working, I responded with a explanation as to why and what was taking place ( I 've yet to set foot within XXXX miles of the park yet ) Once I did get a replacement card in hand I tried finding the email from them to give the proper card info. I looking for email, I found XXXX from them stating my privileges for said passes had been deleted or restricted. 

From the time I bought tickets until this, my XXXX had a XXXX, would n't be able to go anyway. I decided to accept the {$94.00} loose on the {$150.00} purchase ( with only {$59.00} left to pay ) and move on. 

then I was notified by Equifax that my credit score had taken a hit due to a account being placed into collection?? I had no idea what this was due to only that my score took a XXXX+ point dive. I found the issue with XXXX and reported it to them, since then nothing has been done as I expected. 

p have XXXX issues on my credit report that are incorrect I have sent documentation showing this, nothing happens to fix it or worse it gets handed over to a different collection company to hit my score again, I 've been dealing with some of these issues since XXXX I kid you not. 

I 'm tied of spending money trying to fix this, talking to people who cant or wont fix issues where I have shown them documents proving my case only to hear " we only report what they sent us, their report outweighs your conflicting dispute info. 

In XXXX I had XXXX disputes where both XXXX XXXX XXXX and XXXX both said I owed them {$480.00} for a cell phone, sent receipt where it had been returned within time limit, they answered each dispute with a new collection agency for Years XXXX my credit score taking a XXXX point hit each time, XXXX times each year times XXXX, well over a XXXX point hit. I finally contacted the FCC and they fixed the issue neither company or Equifax would fix BUT I never got any points put back to my account that were stolen from me. 

the whole big XXXX credit reporting agencies I paid well over {$2000.00} to over the last XXXX  years has beena waste and a bad joke and to add to it, they do not care.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-29
Company: HYUNDAI CAPITAL AMERICA
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The car was totaled, and gap insurance was purchased on the car. The balanced was XXXX out. There is no amount due. Account is currently showing up as derogatory and closed.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2021-12-08
Company: Square Inc
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
XXXX bank just informed me that cash app resent my {$200.00} to a closed account with XXXX at XXXX PM on XX/XX/2021, after I just reported on XX/XX/2021 that I made a mistake. I no longer have an account with XXXX and I updated my new bank account information on XX/XX/2021. I am not understanding why you all will not allow XXXX to resend the {$200.00} back to my cash app account per policy. This is highly unprofessional, errant, and inconveniencing. I earned this money direct deposited into my account on XX/XX/2021 via cash app. It should not take several days to reimburse money from a closed account back to cash app. Respectfully, XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-09-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Company has misused their role to involve bank account from another account info which is violating rights to card policy agreements.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-09-18
Company: Resurgent Capital Services L.P.
State: CA
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I sent them a debt validation letter, they never sent me anything pertaining to the identity of the person that created this debt, they sent me a bill and continue to defame me on the credit bureaus... ..i sent them a afidavit of identity ... .they did not acknowledge the afidavit. they have not sent anything ask for in my letters ... .to establish my identity.

Company response to consumer: Closed with explanation