BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Capital One 360 made a bank error, overdrawing my account in error, causing me to have inconvenience and incur fees to access funds elsewhere. 
I had a dispute regarding a charge XXXX/XXXX/16 from XXXX XXXX XXXX, where the merchant ( hotel ) owed me a refund of XXXX dollars on a charge of {$880.00}. I called Cap One, who issued a provisional credit of XXXX . I received no further documentation. 
On XXXX/XXXX/16, Cap One mistakenly debited {$880.00} from my account, even though the provisional credit was only for {$280.00}, when they resolved the dispute in the merchant 's favor. 
Notwithstanding the fact that I never was contacted about the dispute to provide documentation ( I have an email hotel regarding promised refund ) - Cap One debited my account for {$600.00} MORE than was at issue in the dispute. 
Capital One apparently realized their mistake a week later, issuing a credit for the amount on XXXX/XXXX/16. However, their error caused me great inconvenience, time wasted, and financial costs. 
Today, XXXX/XXXX/16, I called Corporate Office, asked for Exec. Customer Relations - instead was transferred to a supervisor for credit cards. 
I called Corporate Office a second time, asked again for XXXX, specifically for Cap One 360. I was transferred instead to an escalations department for retail banking ( XXXX, id XXXX ), who said she needed to transfer me to 360. Then she got XXXX, id XXXX, at 360 on 3-way who said she needed to transfer me to 360 business. I asked whether I was still at an escalations level, and they said no. I said I called XXXX specifically to speak with an escalations level, and that I would call Corporate Office again. 
I called Corporate Office a third time and they were closed. 
360

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: Nelnet, Inc.
State: CA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have been making additional payments through Nelnet 's Auto-Debit function to get the .25 % interest rate discount for the last couple of years. On top of my scheduled auto-debit payments, I make additional payments of about {$500.00} a month and I specify I want these extra payments applied directly to my loan with the highest interest rate. I recently noticed that for the last 8 months, Nelnet has chosen to apply my auto-debit payment to all my loans except the one with the highest interest rate. I called Nelnet to figure out what was going on and I was informed the the auto-debit function has an automatic trigger that when one of your loans gets paid down too far ahead of schedule, they stop applying payments to that loan group. Nowhere on their website or auto-debit form does nelnet reveal this information, in fact, they maintain that all payments are applied evenly among your loans unless you specify otherwise. I believe Nelnet is using this " glitch '' to maximize on the amount of interest students pay on their loans by prolonging their repayment, therefore, effectively applying a pre-payment penalty on government loans that are supposed to be protected from such penalties.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
THIS IS A NEW COMPLAINT WITH NEW INFORMATION! XX/XX/XXXX I fell behind on bills. XXXX Chase credit cards were among them. I was XXXX for them XX/XX/XXXX when they were out of the Texas statue of limitations. This does n't stop Chase from reporting them in collections on my XXXX credit report or attempting to collect.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-22
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
There are accounts being reported on my credit reports that are not valid. I have attached the identity theft report.

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 2016-03-01
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/16, I became aware of an egregious violation of my personal and financial privacy at the hands of JP Morgan Chase Bank. I was informed by an individual that was not myself or Chase Bank that my individual checking account was appearing on monthly statements for an individual that was not on that account. I am on a checking account and a savings account with my mother, and those accounts receive monthly statements at the mailing address that we share. 
These statements are addressed to XXXX us since we are XXXX on the accounts. 
However, the most recent statement also included my individual checking account which XXXX is not on as well as a summary of my individual credit card which XXXX is not on. Since the statements were addressed to both of us, this would imply that we are XXXX authorized to view the information on all of the accounts, but this is not accurate. This was troubling as my mother is not authorized to receive any financial information relating to the credit card account or the XXXX XXXX XXXX Account in my name. 

XXXX the aforementioned individual accounts were set up at a Chase branch. During the account set up, my mother was not present, nor was she ever brought up during the account creation process, so I had no reason to expect this egregious violation to occur. Further, the credit card was opened with my social security number, not her 's. None of the paperwork for either account featured her name or any indication she was on the account since she is not. 
My mother called me to inform me that she received the statements and saw my financial information, and that she had called in to Chase to inquire about them she originally believed them to be fraudulent since she did not recognize making them, and she was given information about the transactions including the name of the person who made the purchases. She is not on the account and should not have received any information about those transactions, yet she was provided with detailed information. Yet another egregious violation of my personal and financial privacy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-23
Company: JPMORGAN CHASE & CO.
State: NC
Product: Credit card
Issue: Rewards

Complaint:
I have a Chase Amazon Rewards Visa. I placed an online order with a combination of points, credit card and gift card visa. There was an issue, so I cancelled the order within minutes of placing it and then placed a new order. 

Chase deducted rewards points for XXXX orders - XXXX for the cancelled order, as well as XXXX points for the new order. They refuse to credit the points back for the cancelled order, blaming XXXX. This is not on XXXX 's end. XXXX never made a charge, they actually never fully charge until an item ships. 

I had no trouble using my 3rd party gift Visa on the replacement order - again, because XXXX had never made a charge. Chase, however, refuses to correct the points balance despite contacting them and explaining the situation multiple times.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: Nelnet, Inc.
State: FL
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
I am a Victim of ID Theft and I am trying to improve my credit. I went through a lot and I owe {$50000.00} without certification and I am XXXX years of age. I have asked for consolidation of my school loans, I applied for a credit card with XXXX XXXX. I was turned down due to negative items on my credit file, when I checked I have XXXX negative accounts without any explanation that everything was consolidated. Now the negative items are there from XXXX plus negative items of school loans still from XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Rewards

Complaint:
I was receiving by mail several requests from Capital One to acquire their credit card for more than a year. In XXXX, XXXX after learning from their commercial on TV that Capital One would award XXXX miles for using their credit card for every dollar of purchase, I applied over the phone for a credit card. Immediately Capital One obliged by opening a credit card account based upon our credit history. They mailed us XXXX credit cards, XXXX for me and XXXX for my wife. The credit card issued was for those with excellent credit history. Since our credit history was excellent, they sent us the credit card with 'VENTURE ' appearing on the front of the card. Capital one 's web site shows XXXX types of card on their web site. XXXX with 'VENTURE ', and the other, 'VENTURE One ' ( the 'one ' written beneath VENTURE ) appearing on the face of the card. What we received was 'VENTURE ' and we have been using this card since receiving it in XXXX, XXXX. 
Capital One 's web site for 'Travel Rewards ' shows details of miles awarded for these XXXX types of cards. According to their web site, the card with 'VENTURE ' on the face of the card earns XXXX miles while the card with 'Venture XXXX ' on the face of the card earns XXXX miles for every dollar of purchase. For several months since we began using Capital One credit card for our purchases, I did not check the reward miles accumulated in our account. We assumed that Capital One would award us XXXX miles for each dollar of purchase. But when I checked the miles accumulated in our account on XXXX/XXXX/XXXX, I found to our surprise that Capital One was awarding us only XXXX miles instead of XXXX miles contrary to what was shown in 'Travel Rewards ' on their web site. After I complained about the missing miles on XXXX/XXXX/XXXX, they changed the system to award XXXX miles per dollar. But, they are refusing to give us the benefit of XXXX miles per dollar for the past 6 months from XXXX/XXXX/XXXX, the date Capital One opened our account. This is a blatant disregard of the benefit stated in their web site. We have charged {$5000.00} on Capital One 's credit card for the past 6 months and the reward summary shows only XXXX miles in our account. Our account should show a reward of XXXX miles based upon XXXX miles per dollar. We request your intervention as Capital One is reneging on the benefit rewards stated on their web site for the type of credit card issued to us.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-08
Company: WELLS FARGO & COMPANY
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
On XXXX while paying bills via the online bill pay service connected to my Wells Fargo checking account I in advertently paid XXXX {$2000.00} instead of {$220.00}. I went to the bank the next morning at XXXX am when they opened to rectify the situation. They told me it was too late - just call XXXX. On XXXX XXXX, I received a call and an email from XXXX to let me know that they returned the entire sum to my checking account. My checking account has still nit been credited with the funds and the banks response - every day is " we can see that the money has been returned but we ca n't tell you when it will be back in your account. Today is XXXX XXXX. This is both ridiculous and dishonest. This is my money - not Wells Fargo 's money. How can I get my 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 2016-01-28
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:
I 've disputed this account, and asked for verification multiple time in the past 6 months. To this day, XXXX XXXX XXXX has failed to deliver validation of debt. The only response that I received was the deletion of XXXX XXXX XXXX trade line from the XXXX credit report. By the removal of this trade line from my XXXX credit report this has set a precedent that XXXX XXXX XXXX was unable to substantiate this claim of debt and therefore removed it from the report agency. 

This account is further negatively affecting my credit report and score due to this company 's inaccurate reporting. I am requesting the full deletion of this account as a result of XXXX XXXX XXXX not lawfully validating this debt after a substantial amount of time to do so and by the precedent set by the company in the removal of the trade line from my XXXX credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
PLEASE NOTE : ITS A NEW COMPLAIN. ANOTHER FALSE CLAIM AND PRACTICE I HAVE MET ALL REQUIREMENT AND WAS OWED CREDIT-YET CAPITAL ONE BANK HAS REFUSED TO HOLD THIER END OF THE DEAL. WHICH IS TO SEND MONTHLY BILLING STATEMENT. 
Another false claim!!!! I do not owe late payment or month ( s ) of an unpaid debt. Capital One Bank could not and can not claim that the credit was applied to my XXXX payment as I did pay {$160.00} for XXXX, and paid another {$160.00} for XXXX. If this bank claims that they credited me with {$170.00} in XXXX, then my payment made for {$160.00} in the same month should have gone to XXXX payment. And {$160.00} paid in XXXX should be for XXXX and the payment I made in XXXX should then be used to pay for XXXX. 

on the year to date payment statement they sent even contradicts their claim. where was my payment for XXXX that I personally sent in????? This company keeps fabricating a bunch of lies and continues to pretend that they are unaware that i am not in active bankruptcy. If they truly believe that I am in active bankruptcy, then why does this same bank violet my rights and the bankruptcy laws by sending me a bill every month on another account that I have with them. Would the bank also claim oversight an that too???? This bank needs to credit my account correctly and resume my monthly billing statements as I have met their agreement with me twice. 

Furthermore, the bank needs to send me a statement of all money received and interest charge on the loan for tax purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On or around XXXX XXXX, 2016 and XXXX XXXX, 2016 capital one pulled my credit without my permission or consent!! I only have two credit cards and they are with the same company. I written capital one 6 letters over the past few months and I have also contacted them by phone only to be left on hold or promised for someone who does n't speak clear XXXX to call me back and they never do. This has become a headache and I am so sick of wasting my money and time to only be treated like XXXX because they ai n't worried about it because it ai n't them or for them to keep continuing to place me on hold and keep up office mess while they file they nails or just ignore me when I am due a fair investigation as described in the federal fair credit reporting act 623 ( a ) ( E ) and also to take this matter more seriously and if they fail to follow the rules of the company that employs them, at least follow the enacted laws.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-21
Company: Innovative Credit Solutions
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I have continually asked this collection agency to Cease and Desist on collection activities, including removing from all three credit reporting agencies, and they have yet to comply. They have been unable to furnish a validation of debt, as the original creditor information does not match the information they are reporting. What they are doing is a direct violation of FCRA Section 623 ( XXXX ) ( A ) : In general. A person who furnishes information to a consumer reporting agency regarding a delinquent account being placed for collection, charged to profit or loss, or subjected to any similar action shall, not later than 90 days after furnishing the information, notify the agency of the date of delinquency on the account, which shall be the month and year of the commencement of the delinquency on the account that immediately preceded the action. I have furnished proof that not only is the amount they are reporting incorrect but it is well beyond the statue of limitations of 7 years and 180 days for collections. As this account is now XXXX since delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I recently opened a credit card account for XXXX, XXXX XXXX with Capitol One Spark. I spoke to a representative about the application process beforehand. The company gave me a {$500.00} credit line. After I activated my card, I could not use it because on XXXX/XXXX/16, an unidentified Capitol One representative put an illegal hold on my account. This representative did not have a court order and acted illegally. When I filled out the application, Capitol One approved my credit, because of my credentials. I run a paralegal consultation firm. The male representative treated me in a discriminatory way and did not let me speak to a supervisor because of my gender.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I made a {$500.00} payment to my daughter 's capital one credit card on XXXX XXXX, 2016. I told the rep that I wanted it to be a surprise. When my daughter saw the payment reflected on her credit card, she had it returned to sender on XXXX XXXX, 2016 because she did n't know where the payment came from! When I spoke to her again that weekend, she said she had it returned on XXXX XXXX, 2016 because she did n't know where it came from. Anyway, I called capital one on XXXX XXXX, 2016 and spoke with a rep named XXXX. He said it takes XXXX calendar days for the " wait period '' and another 3 working days for accounting to return it to me account. Therefore, my {$500.00} should have been back last XXXX XXXX, 2016. I called capital one again on XXXX XXXX, 2016 and spoke to a rep named XXXX. XXXX said she can not help me without my daughter 's permission and referred me to her supervisor, XXXX, with ID # XXXX. XXXX said she can not help me without my daughter 's permission so I gave her my daughter 's phone number. After having me wait about 30 to 45 minutes, XXXX told me that she can have my {$500.00} back to my debit card in 3 business days which is XXXX XXXX, 2016, according to XXXX. When I called on XXXX XXXX, XXXX did not give me the excuse of having to have authorization from my daughter ; and besides the {$500.00} does not belong to my daughter. All information is in the system of capital one, but XXXX and XXXX chose to give me a difficult time and the run around. Definitely POOR CUSTOMER SERVICE!!! This makes me think that capital one is trying to use MY MONEY FOR THERE ADVANTAGE because of people you put on the phone like XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I owe capital one a little over XXXX dollars. I gave notice over the phone that I would not be able to make payment for next three months. then a week later I started getting XXXX six calls a day and when i answer no one is there. i call back the number XXXX XXXX and it is capital one but there is no way to talk to any XXXX. very frustrating.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-10-02
Company: Byrider Franchising, LLC
State: IL
Product: Debt collection
Sub-product: Auto
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
JD BYRIDER { CNAC }, XXXX, Iowa has been taking car payments, electronically out of my checking account for the last month and a half without my permission or consent for a vehicle loan that is in no way associated with me or my name.I am XXXX years old and am trying to survive on a fixed income and now have a negative checking account balance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Other

Complaint:
On XXXX/XXXX/2016 - I made a purchase of XXXX tickets from XXXX and cancelled it in less than 24 hours. As per the rules such tickets gets refunds properly but due to some issues the refund was getting delayed so i initiated a dispute with Capital One regarding that transaction on XXXX/XXXX/2016. Purchase was adjusted by capital one on XXXX itself. Later on XXXX XXXX issued a refund. Now from that day till now I have been following up with Capital One to close that dispute. Called their dispute team thrice till now and chatted and called customer service at least 5 times ... but nothing has happened. Their dispute team said that they will do that. But nothing happened. Worst situation - they have n't even sent me a communication that they are closing the dispute. Dispute team works only M-F during certain hours ... long verification process and around 20 minutes per call. There is no secure message center to send communication within Capital One ... essentially i had spent close to 2 hours overall just to resolve this issue with Capital One and no output. No assurance or acknowledgement that they are going to do something.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Caliber Home Loans, Inc.
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I was charged a late fee for a payment that was n't late. I have my mortgage payment on an automatic bill payment ( for the last several years ) and the records show this particular payment was sent on time ( XXXX/XXXX/15 ) and delivered four days prior to being late ( XXXX/XXXX/15 ). The first time I called the company they said they would not charge me the late payment. When I was charged, I called back and was eventually told by the CSR " I do n't have time for this '' and hung up on.

Company response to consumer: Closed with monetary relief