BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-05-16
Company: ADP Inc.
State: FL
Product: Credit card or prepaid card
Sub-product: Payroll card
Issue: Trouble using the card
Sub-issue: Trouble getting information about the card

Complaint:
Where do I begin with this Company. First let me say within the past 2 years I've deposited almost XXXX in wages to my account. Every single time I have a problem they make it even worse and even more stressful. I recently called to file a dispute for a copious of unauthorized charges made on my card. Today XX/XX/2022 I called customer service 4 times back to back to get a tracking number for my card which I paid to be shipped overnight, just to be hung up on. With no returned phone call. They ask for a callback number each time you call. For what?! All 4 reps did the same thing hung up and didn't bother calling back! These calls are supposed to be recorded, correct? I hope ADP by Wisely check on their customer service reps because they are extremely unprofessional and rude. I don't know where my card is and I have bills to pay. At this point I feel betrayed by this company. Let me say it again almost XXXX in wages in the pass 2 years. I'm considering closing my account and having my paychecks sent to my regular everyday checking account my main bank would've been rectify this issue. I cant pay for groceries, bills, gas, etc because of this dispute and waiting on my card. Today XX/XX/2022 I will be filling out and sending the statement of fraud back in for my dispute. Which ADP by Wisely should receive by XXXX XXXX no later than XX/XX/2022. There are 2 options to send in the form email and mailing it in. I will be mailing it in using XXXX XXXX with proof of delivery simply because I don't trust this company customer service. This is an extra cost that I have to come out of my savings to pay for because I have yet to receive my card with over XXXX in wages on there. I have almost XXXX in unauthorized charges on my card. Who knows when and if I will ever see that money again. I was told the dispute investigation could take up to 90 days! I asked how about provisional credit as my other bank would've gladly provided given the situation and banking history with them. I was told they cant provide provisional credit as this is a " prepaid card ''. I don't know if these customer service reps make up their own rules or if this is indeed factual. Been with ADP for about 3 years because my employer uses them for paycheck deposit. I think I will soon be severing my relationship with this bank. I'm tired of the nonchalant attitudes and condescending tones when I call in with an issue. They are unprofessional, unorganized, rude, and unsympathetic. If possible stay away from this company because they do not treat their customers like valued customers. No matter how much money deposited to ADP by Wisely card, seems like all their customers are just another number to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
Within the last two weeks, I asked for a loan from my credit union and discovered that my credit score had dropped due to an account charge off at Kohls. I was unaware that I had an account at Kohls as I do not recall asking for XXXX or signing to open XXXX. Additionally, I never received any communication from Kohls indicating to me that I had an account open or that a balance existed. There has been no mail received by me from Kohls at my address. I do not know who did this or what apparently was purchased under this account that has resulted in a charge off on my credit report. I kindly ask for some assistance in this matter to resolve this matter and get answers to who established the account and why did I not get account notifications mailed to me. If I would have received notification of the account, I would have taken action much sooner to find out who established the account and get this matter resolved rather than going to my credit union and finding out I have a charge off account at Kohls. Thank you for your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
capital one is hitting me with a 30 day late on my credit report. 

between XX/XX/XXXX-XX/XX/XXXX i had setup automatic payments via their website. the payments were supposed to come out of my account on the XXXX of every month. for some reason capital one never withdrew the money from my account. 

Capital one didnt contact me via phone until i was 36 days late. i immediately paid the balance owed. 

now i have a 30 day late on my credit report if capital one system would hav eworked correctly or they had contacted me prior to the 30 days, this would not be an issue i dont think my credit should be stained because capital one system didnt work properly. 

at this point capital one has told me there is nothing they can do. i know this to be false. 

i havent been late on this or any other card in the last 7 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-05
Company: ProCollect, Inc.
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I 've sent multiple letters to this agency about this not being my account. After being advised by identitytheft.gov I 've completed and sent a fraud affidavit via certified mail. I can see they received it but nothing has changed. See supporting documents. even the USPS tracking. 
I am a victim of identity theft and noticed a collection from Pro Collect. I 've attempted to dispute multiple times, however, no response on their end. Not sure what else to do. The police department told me to contact the federal trade commission which I wrote a formal complaint against Pro Collect in regards to this matter. The FTC also instructed me to complete and theft affidavit through identity theft.gov. Attached is my document. Thank you

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Prepaid card
Sub-product: General purpose card
Issue: Managing, opening, or closing account

Complaint:
I 'm supposed to receive XXXX visa cards of {$12.00} each as a mail-in rebate for my purchase at Kohl 's during thanks giving last year. However I received only XXXX and i have been following up with Kohl 's customer support multiple times ( in XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX and XX/XX/XXXX ). Every time I call them, I 'm told that the XXXX card has been dispatched again and I will have to wait for another 20days to receive it, which I never received. They dont give me a choice to speak to someone senior in the department to resolve this issue. I have screen shots of all chat conversations with the support

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: EQUIFAX, INC.
State: PA
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:
This is XXXX XXXX, who is submitting this CFPB complaint myself, and to inform you that there is no third party involved in the process. I sent letters to Equifax Credit Bureau the date of the last letter was on XX/XX/XXXX. And now we are in the month of XX/XX/XXXX and still nothing from them. That means Equifax has NOT complied with the FairCredit Reporting Act law and continued to report inaccurate information on my credit report. UPDATE OR REMOVE THESE FOLLOWING ACCOUNTS COMPLETELY FROM MY CREDIT REPORT : XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-04
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
Knowing that I live in a region with aggressively increasing home values I decided to reach out to my lender to have PMI removed. I can support the increase in value based off a current appraisal on behalf of my current mortgage provider. My taxes also increased by XXXX last year and close to that the previous year. It is not joke that I am seeing appreciation to my home. Plus, we have invested over $ XXXX in of updates and additions last year. I requested the removal from my lender and they sent a letter saying I met the initial requirements, but an appraisal needed to be completed. Knowing that PMI is not required below 80 % I knew anything below 80 % should be my target. In their letter they made no mention of LTV requirements, so it should be assume 80 % will be removal. When I called them it was explained that is completely up to the lender if PMI is removed. I find this to be a predatory practice. This was not outlined in the letter from CitiMortgage. How can i be expected to pay for an appraisal when I am not given the true requirements. 

This is not a fair practice, and reason again as to why mortgage lenders and investors create ambiguity and unfair lending practices. No regulation to this practice treats the end consumer like myself unfairly. 

I am just a tick below 80 %, how and why are they legally denying 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 monetary relief
Consumer complaint received 2016-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I am a XXXX American XXXX veteran. I have been a customer with Capital One for years. I was hospitalized from XXXX XXXX until XXXX XXXX XXXX. On XX/XX/XXXX I was in XXXX at the VA Hospital. A merchant charged me for a service billing my credit card XXXX. I did n't approve this charge. Even though this merchant House Detectives did n't have any signed invoice by me, Capital One charged me. They did n't consider the fact that I was hospitalized at this time in XXXX and my doctor said due to my condition at that time I should n't be responsible for any financial obligations.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
WAS TOLD BY CAPITAL ONE THAT IN 2002 THERE WAS A CHARGE OFF IN THE AMOUNT OF {$2100.00} IN MY NAME OWE TO THEM. HOWEVER I WAS NEVER NOTIFIED OF ANY SUCH CHARGE OFFS OR EVEN SEEN THIS ON MY CREDIT REPORTS. I ALSO WAS NOT MADE AWARE OF THIS WHEN I HAVE SINCE OPEN XXXX ACCOUNTS WITH CAPITAL ONE IN MY NAME SOCIAL SECURITY NUMBER AND DOB.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: Experian Information Solutions Inc.
State: VA
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:
The items that are reflected on my credit report are inaccurate. It is your duty to inform consumers about the things they need to know ACCURATELY. Kindly conduct investigations on these accounts and inquiries and update them accordingly or I will seek litigation.

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 2015-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I am submitting this complaint in regards to Capital One Credit Cards, I just realized after so long since my last complaint directly to this company that my over limit balances continues to increase over and over again, due to Interest increases, past due fees ( due to the fact that even if paying regular payments and not the minimum, that purported late fees and over limit fees of XXXX ) keep superseding the credit limit balance even when the card has not been use or charge for any purchases in the last 3-6 months. I need help I continue to make more than minimum payments and it continues to go over the limit and incurring over limit fees, so far each month I am incurring fees and charges. These are the charges that I have become aware I am getting charged every month regardless of how much I pay to this company XXXX interest ( which is acceptable ) past due fee {$39.00} along with a XXXX over limit fee. I was told by a friend that I needed to submit a complaint with the respective authority that oversight and supervise these type of abuses or deceptive practices from these credit card companies, I have already dispute and discussed these abuses with Capital One representatives and then escalating the matter to a supervisor, but they continue to be reluctant and pursue with the same pattern of deception and misconduct which makes it impossible to correct any problems with late payments. Please I need your help so far more than half of the outstanding balances is due to fees and charges this year alone.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-24
Company: Action Collection Service
State: WA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I went to XXXX XXXX and was under the impression I was covered by the insurance program they had me under. They never tried to reach me by phone or send a bill via email which I later found out was because I signed up for no mail. Was n't sure why they did n't try other methods of contact. When the collection agency called, I had knowledge of this charge. I immediately paid XXXX XXXX XXXX XXXX/XXXX/15 XXXX and they said that they would take it off the list from the collection agency. Also that it was before the due date of the collection agency to affect my credit score. So they should have never sent it to the credit agencies or reported it. I have the receipt for further proof. They still have not taken it off of my credit report, though I have paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MS
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:
I submitted a dispute with Transunion on XX/XX/XXXX stating that the account XXXX XXXX was past seven years from first date of delinquency. Transunion response was that my dispute was unspecified. My first date of delinquency is XX/XX/XXXX. Transunion removed part of my payment history from XXXX. Transunion has violated my consumer rights. Transunion has violated 1681c ( 5 ) and 1681 ( a ) ( 1 ).

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 2016-08-17
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Other

Complaint:
RE : sears credit card # XXXX XXXX XXXX XXXX Last for digit SS # ; XXXX Under settlement and as suggested by citibank I tried to pay {$600.00} remaining balance but I could not make payment via XXXX XXXX XXXX or XXXX XXXX XXXX. On XXXX/XXXX/2016 between XXXX and XXXX ET I spent more than a hour to reach right person to make payment. They kept on transferring my call one to the next and eventually cut me off two times. Only GOD can have mercy. Please give an address to mail $ XXXX, so that will be the end of the matter. CFPB can verify what is stated here using my account number, etc. This is really bad.

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 2020-06-11
Company: Mr. Cooper Group Inc.
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX I worked with Mr. Cooper to re-cast my mortgage. I wanted to pay down my mortgage to make it more affordable on monthly basis. I wanted to reduce the principle by {$100000.00}. My new payment amount was to be effective XX/XX/XXXX. I received a document to sign on XX/XX/2020. It said to make my regularly monthly payments of XXXX and XXXX on time and to send in the {$100000.00} dollars. I did EXACTLY what the agreement said to do. On their end, they made a mistake. They send me completely different set of numbers on XX/XX/XXXX, without any explanation, other than accusing me that I made a mistake by not sending in my monthly payments for XXXX and XXXX as a lump sum. I sent them at least 10 communications, showing the original letter, documents, pay statements and they will not resolve. I've asked them to update the portal so I can pay on time, update to the correct amounts and they will not get back to me. I would legal help as soon as possible. I have suffered an EXTREME amount of stress and worry over this issue caused by Mr. cooper.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-17
Company: EQUIFAX, INC.
State: NV
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
A paid my account with XXXX XXXX XXXX XXXX in full in the amount of {$110.00} and was told that my account would be updated and removed from my credit report. I have filed XXXX disputes with Equifax XX/XX/2016 and XX/XX/2016 and XXXX XXXX XXXX XXXX is still reporting that the account is still open and unpaid. As of XXXX/XXXX/2016 the account still remains on my Equifax credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: CITIBANK, N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I signed up for a Citigold checking account after receiving a promotion offer for XXXX XXXX XXXX miles. I met the requirements of the promotion and sent a message to Citi to verify that the requirements have been met and the miles will post. Citi replied that the requirements were met and I should expect the points by XX/XX/XXXX. When the miles did n't post I contacted Citi again and was told they do n't see that I was targeted for the promotion and will not receive the miles. I tried explaining to them that I have the message from them showing that I met the requirements and promising the points will post but they are not willing to honor their offer.

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 2015-12-02
Company: WELLS FARGO & COMPANY
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX 2015 I went to Wells Fargo Bank ( XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA, XXXX XXXX ). I deposited my payroll check as usual. It was not until I went to a local store to make a purchase that I was told my debit card was declined. I called the customer service line for Wells Fargo to inquire about the issue and was told it would take 3-5 business days to resolve and was told my funds were deposited and withdrawn on the same day. It is important to note that I did not make a withdraw request only a deposit. This was on a Saturday which left me without any money until the next week. Well on XXXX/XXXX/15 I again went to the same Wells Fargo bank to deposit my payroll check and again the transaction made by teller was that of a deposit and withdraw again leaving me without access to my money. I am not sure why this continues to happen. I have called the customer department and spoke with XXXX XXXX but again was told it would take 3-5 business days to research problem. I also spoke with XXXX Customer Service Manager and was told she could not speak to me over the phone due to confidentiality, and suggested I come into the branch. This is not acceptable to me as I would need to take time off work which would cause hardship. I feel like I have no other recourse than to file a complaint. I have been a loyal customer for over 20 years. 

Please advise,

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-04-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke with a representative from the following company :  XXXX   XXXX   XXXX  ( collection Agency )  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , VA  XXXX  (  XXXX  )  XXXX  In regards to partial acct #  XXXX  ( original creditor Capital  One ) In regards to a negative account on my credit. The representative told me he wo uld make a payoff settlement of {$1000.00} to settle the original debt of {$1200.00}, which was withdrawn from my checking account on  XXXX   XXXX    XXXX  . I just went into my credit report and they are reporting that I still owe the remaining balance of {$250.00}. I was told several times that my debt was settled and they would report it paid off to the credit bureaus. I even called a second time and spoke to a " floor manager '' and she said that the debt was resolved on the settlement amount and it would take 10 days for a letter to be drafted and reported to appropriate credit agencies. I have spent countless hours on the phone and cleaning up my credit report for the past 6 months. I am trying to get approved for auto loan within the month of  XXXX  and they have completely ruined my chances of that happening by not holding their end of the bargain and settlement amount. I will be reporting this to the BBB, Attorney General in Utah, and any other appropriate agencies necessary. Please help me as I need this reported to the credit agencies asap.     Thank you,  XXXX   XXXX  ends in  XXXX  Mailing address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , UT  XXXX   XXXX  address :  XXXX   XXXX   XXXX   XXXX    XXXX   XXXX  , ut  XXXX

Company response to consumer: Closed with explanation