BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I have XXXX Credit card accounts with Capital One. I sent a check for {$25000.00} to pay off one card completely and with written instructions to pay down the balance of the XXXX card with the remaining money. I was able to track when they received the check XXXX XXXX XXXX ) put it was n't posted until XXXX XXXX. Much to my dismay ( and inspite of written instructions asking to be notified when posted XXXX the one credit card was paid off completely but then the remainder {$14000.00} was simply posted as a credit to the card I paid off. My first phone call said they could not transfer the money to the second account ( also a Capital One account ) but they would refund me in a check ; however that may take up to XXXX weeks or longer as it had to remain in that system for XXXX days for being processed, then after processing, I would need to add another XXXX days before I received payment. I needed that money posted to other account ... or available for me to use. I called back, with same resposnse. I called back then went to chat ( XXXX time ) now with hold times I have more than XXXX hours invested in trying to get this straightened out. Meanwhile I had to make another payment on the account that I was trying to get the money transferred to plus it I am still being charged interest for the higher amount. Monday XXXX XXXX I called and went up the chain of command to a supervisor who assured me that they would release the money and transfer to my account in XXXX business days. Close to the end of the business day yesterday XXXX XXXX day ) I called to see why it had not been transferred. They said there was a problem with my bank information. I know they had the correct information. The problem now is that they would have to issue a paper check with all the delays. I asked for a superviosor, and XXXX supervisors up the chain. I was told that it would be another two days. I asked if I could have an email confirmation of that. I was told " NO '' they were not allowed to confirm that information. I asked to speak to this man 's supervisor and he told me he was the top man and there was no one else I could talk to ... nor would he give me any information about how to contact him directly. If I wanted to check, I would once again start with the generic number for information. I have now spent over XXXX hours trying to get my money back. As of noon today, my money is still sitting in an account that is paid in full and I have no access to my own money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-16
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 is not mine

Complaint:
Not my debt there were numerous XXXX that were on my report that different middle initials and there were XXXX different XXXX. they all had different spelling and different addresses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued where didn't live/sign for debt

Complaint:
I 'm attempting to apply for a job that requires a credit check. I receive information that not only am I being sued but the court date is next week XXXX XXXX, 2015. Apparently the lawsuit was sent to an address that I have n't lived in for years. I never received a call or an email from the company about any pending litigation. I guess if the person living at that address not found me to give the information, the court date would have came and went without me even knowing about it.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-01
Company: EQUIFAX, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In accordance with the Fair Credit Reporting Act, the list of accounts below have violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681. 
XXXX XXXX XXXX # XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX 15 U.S.C 1681 Section 602 A States I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2 States A consumer reporting agency can not furnish an account without my written instructions 15 U.S.C 1681c ( a ) ( 5 ) Section States no consumer reporting agency may make any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years 15 U.S.C 1681s-2 ( A ) ( l ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: ASTORIA BANK
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Astoria Federal Savings Bank now know as Astoria Bank on or about XXXX XXXX, 2003 and XXXX XXXX, 2003 accepted Powers of Attorneys on behalf on my late now mother XXXX XXXX which are questionable and exposed me to serious damages in an amount of {$110000.00} and other loss of home, property. 

The bank exposed me as well they failed to disclose the XXXX XXXX, 2003 power of attorney that was a joint XXXX with XXXX agent residing in XXXX which would cause issue if she left and other. It did cause a problem then was revoked but what was found out is that the joint power of attorney dated XXXX XXXX, 2003 was not effective it was not properly notarized, dated and acknowledged the attorney who prepared it wronged my mother and me as well. Why did the bank not reject this at said time but rather allowed us both to withdraw funds that then my sibling sue me over how so. 

Then the XXXX XXXX, 2003 power of attorney was missing a page the Affidavit of Attorney in fact, why did the bank accept it if a page was missing and or not effectuated at said time. Please inquire I gave them ample opportunities but they chose to ignore again and again only having my sibling XXXX go into court to sue me said powers that may HAVE XXXX BEEN QUESTIONABE, NOT EFFECTIVE NOT PROEPRLY DRAFTED OR OTHER, THE BANK ACCEPTED MAINLY THE FIRST POWER OF ATTORNEY THE JOINT XXXX THAT WAS VOID HOW COULD THEY DO SO, AND EXPOSED ME TO SERIOUS INJURY AMOUNTING IN THOUSANDS.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Credit card
Issue: Billing disputes

Complaint:
Hello My name is XXXX XXXX ; I am writing this letter as a complaint on CapitolOne Bank. I have been with this bank for about a year, not as a personal account holder but as credit card holder. I have XXXX cards from them the first I received about a year ago at {$500.00} limit ; I have no problem with that one because I always pay as schelude. The problem is with the second card I received a few months ago at a higher limit. I make it a habit to pay my bills on time and always add a few dollars more than the limit to keep my credit score at a decent rate. This Bank has deliberatly been sending bad reports on me as if am not paying them. The card in question ends in XXXX. Going back about four months ago, I miss the due date by a day and called the customer service, they agreed to drop the {$30.00} late charge but said I still have to pay XXXX dollars instead of XXXX so the system would correct itself. I paid it and taught all was well. XXXX months pass and I assume Iwas paying on time because of what was showing on my computer screen ; I normally pay on the day my payment is due because I dont have a steady job and ca n't predict what my funds will be around my due date. I never considered the time of day I pay an issue, so when I see my payment being posted for the next day I considered that a bank issue. Customer Service never explained that my payments were being counted as late and nothing on my screen was telling me either, all I was seeing was the minimum amount and due date. I missed the due date this month by a few hours and called customer service to make the payment, the person told me {$60.00} I asked if the late fee could be excused and he said yes just pay to XXXX owed which I did. The next day I check my account and there was {$90.00} charge added to my next payment I called customer service again and was told I owe this money because of pass late charges, i asked why was it not being showed on my screen up until now, they have no explination except that am behind on my payments and the its being documented on my credit report. I have decided to stop paying them anything on this card until someone outside of them looks at this situation. Am asking to please investigate this matter quickly so I can assume my payments.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-08
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
On XXXX/XXXX/2016 I had {$7.00} in my account when I was out and about and did not write a transaction correctly so I believed I had {$7.00} in my account. I went to purchase a meal for {$6.00} and I went to the XXXX store to get something printed for {$.00} and I did not check my account till the next day since I believed I was fine, I come to find out that not only was I hit with an overdraft protection transfer fee for a service I opted out but it was a transfer of {$.00} and then they charged me XXXX NSF 's. I went to the branch and they refunded the fee and refused to refund me the XXXX NSF fees because they can only refund fee 's as a courtesy even if its a bank error. So they told me they can file a complaint for me or I can sue but I wo n't be getting my money back. That was today and they refuse to fix the mistake as advised by the financial services specialist.

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 2022-10-01
Company: EQUIFAX, INC.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
I am a natural person, I am a living human being, I have right under 15 USC 1681.

Equifax is govern by 15 USC 1681, and they violated my rights numerous of times and I demand the accounts listed below to be removed because ; According to 15 USC 1681, I have the right to privacy and i didn't give Equifax permission to furnish these accounts : XXXX ACCT # XXXX, ACCT # XXXX XXXX ACCT # XXXX, XXXX  ACCT # XXXX XXXX  XXXX ACCT # XXXX XXXX/W ACCT # XXXX XXXX ACCT # XXXX XXXX ACCT # XXXX XXXX XXXX  ACCT # XXXX XXXX XXXX  ACCT # XXXXXXXXXXX**** XXXX ACCT # XXXX XXXX XXXX XXXX Acct # XXXX,, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX, XXXX ACCT # XXXX XXXX  ACCT # XXXX XXXX  ACCT # XXXX XXXX XXXX ACCT # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Well Capitalone is doing it to me again. The card that was originally issued through them has an interest rate of 22.9 %. They increased this card limit to XXXX dollars on XX/XX/XXXX. They then increased the limit on this card to XXXX dollars on XX/XX/XXXX. That is a span in time of about a year and a half. Keep in mind I started out at a XXXX dollar limit on this card. I have never had one late payment and I pay way more then the minimum every month. Although I am sure they wish I did n't because they would make more money in interest off of me. The other card which was first issued by Orchard Bank was bought out by them and had an interest rate of 14.9 %. They bought the card and knew what the interest rate was. I am still at a limit of 2000 dollars on that card. I keep it up towards the maximum because the interest rate is cheaper saving me money. I have never been late on this card either with payments and again have paid way more then then the minimum payment each month. The limit was raised to 2000 dollars on XX/XX/XXXX only because I filed a complaint with you at that time. At the time of that complaint they had me at XXXX dollar limit. My complaint is the same again today. They hold me back on the credit limit of this card because they make more money off of me on interest on the other card. My credit is good and my payment history is good. It is now XX/XX/XXXX roughly a year and a half on this card also now. I feel they should reimburse me some interest from the other card and increase my credit limit to at least XXXX dollars. You know in this day and age there are a lot of balance transfer offers with 0 % interest, some for a year, some for more time. I am really thinking about doing that if they do n't stop doing this to me. I am giving them the benefit of the doubt like they gave me after my bankruptcy. I am not unappreciative I just feel like I 'm being ripped off again. Please help.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Credit determination

Complaint:
I signed up for a CapitalOne card in XXXX, 2014, but somehow CapitalOne recorded my social security number incorrectly. Because ones social security number is required as confirmation to access your account to pay bills online and to speak with customer service representatives, I was unable to access my account to make payments until finding the time to complete a 2-hour phone call in XXXX, 2014 to correct my information. During this period, I missed 3 payments because I could n't access my account. I believed that these late payments should be removed because I was unable to access my account due to a mistake by the credit card company. 

I contacted CapitalOne to remove these late payments from the credit rating agencies ' records, which they said they would do. However, upon checking a month later, I found out that CapitalOne had not disputed the late payments, but instead had confirmed them to the rating agencies and preemptively filed a dispute correction. When I asked for them to send me a copy of the

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: Scott Fetzer Financial Group Inc.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was coerced into buying a XXXX vacuum by the owner of the XXXX WI company XXXX XXXX, the salesman ( my boyfriend ) and his manager on XXXX/XXXX/15. They told me they wanted to make quota for the week and that they could resell the equipment and pay it off before monthly payments started up. This had been done before and I should n't worry about it. The manager filled out the sales contract and had me sign it. United Consumer Financial Services said they called my place of employment to verify income and verified the purchase with me but they never did. I 'm a XXXX, living at home and XXXX, I 'm not employed. And my mother is joint owner/signer on all my financial accounts. We have tried to resolve this issue with the company for 10 days with the XXXX but the company refuses. UCFS when contacted, said they verified employment and income but there is no employment or income so who verified it? We asked for a copy of the loan application to see who filled it out and what was written on it, from both XXXX XXXX XXXX and UCFS but neither one would supply it. We just want to return the equipment and cancel the loan. These are preditory and fraudulent practices and should n't be allowed to continue.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX, 2015 I contacted Capital One Fraud Dept regarding my stolen funds {$68000.00} plus interest loss at least {$1300.00} and my time {$200.00} per hour to collect my loss. I told the Rep XXXX that based on the terms and conditions, the funds can not be releasd to the preson who was NOT the signer on the account. Also the terms and conditions never listed Guardianship. I can not get any assistance from the Rep XXXX, therefore I ask his supervisor. I never received any contact within XXXX hours. On XXXX XXXX, 2015 I contacted the bank specialist via Chat. However I still can not get any assistance. I was notified by the specialist to sue Capital One the court in order to get my loss back. Her name is XXXX. She constantly use excuse that I need to log into my account when I was in secure online section. She also used " enjoy your day '' etc words to harass me. On XXXX XXXX, and XXXX XXXX, 2015 I visited local branch two times to express complaint to branch manager regading stolen funds. I have given federal court paper showing NO guardian to the branch manager on XXXX XXXX, 2015. I feel my personal information and my savings are extremely unsafe at this bank. Since XXXX 2015 I filed my complaint, it 's been more than XXXX months I can not get my stolen funds back. I am asking if the bank continue to bring me financial loss and harm, I have no choice but to take them to the court.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-12
Company: CCS Financial Services, Inc.
State: CT
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I requested validation of the original debt, including the name and address of the original creditor ( in accordance with federal law ). The amount of the debt that was validated was not correct. Furthermore, in violation of federal law, the address of the original creditor was not listed on the validation notice.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Bankruptcy

Complaint:
I had XXXX S.O.N.Y. cards and XXXX XXXX platinum master card, I sent them decease and desist letters and they still are sending me statements in the mail. I have called both companys many of times and they wo n't quit harrassing me for money. I am on XXXX, XXXX, H.U.D. and food stamps, am poor and can not afford to pay the fees. They wo n't quit harrassing me and sending me statements. I would like something done about them harrassing me, I pleaded a chapter on bankruptcy, and they still want their money. What do I do? Please respond to XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
I already settled this debt in 2013 with the company in front of the courthouse by having my wages garnished every paystubs ( Bi-Weekly ). After almost a year the company stop taking money from my paystubs. So my debt was completely paid as agreed in front of the judge, now they asking me to paid another {$1500.00} balance who I have no idea when this amount came from if they was still charging me interest after the judge rule, I am not going to agreed and paid for this debt because this will be considering a FRAUD .... I want this debt to be removed and stop asking me to paid for a debt already settle.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Payoff process

Complaint:
Credit cards often charge interest after the balance is paid off in the time allowed. I write them and they credit the interest to XXXX out the account. However, this is the third time in about 5 years this has happened to me. My concern is the untold millions of dollars or more that credit card companies collect by this practice. I strongly urge you to investigate, recover the money and return it to the consumers.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-12
Company: Ditech Financial LLC
State: PA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Sent mortgage payment for XXXX/XXXX/16 to Ditech mortgage company.Received phone call on XXXX/XXXX/16 saying payment was not received.Produced bank statement that check for {$2100.00} was cashed by Ditech on XX/XX/XXXX16.Faxed statement to Ditech.Was credited mortgage payment of & XXXX on XXXX16.Ditech still has not credited my account for the {$1000.00} payment on the principle.I called several times, they refuse to credit the account claiming they do n't know where the money is.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
XXXX XXXX XXXX # Case XXXX FTC # Report Number XXXX Attorney General Attachment also included. 


NOTICE OF PENDING LITIGATION SEEKING RELIEF AND MONETARY DAMAGES UNDER FCRA SECTION 616 & SECTION 617 XXXX XXXX is violating 15 U.S.C. Sec. 1681i ( a )? I want this accounts deleted since its not being reported correctly. I called and confirmed with XXXX that this account is being reported open and also has been charged off, which is an illegal violation. I saw on a Credit Site and Board where this lawyer said you have 30 days to complete this investigation. Please reinvestigate and delete off my report, or else I will be seeking {$1000.00} in Monetary compensation per violation.

Once an account is charged-off it should never appear as open. With a charge-off the original creditor is declaring the debt to be uncollectible. It could be that the debt has gone to a collection agency and what you may be seeing is an open account in collection. Collection accounts are reported with an open status, until the debt is paid or the collection agencys authority to seek payment is terminated.

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