BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Advertising and marketing

Complaint:
I recently received an offer in the mail for XXXX XXXX credit card. A major feature of this card is to " Earn XXXX miles per {$1.00} spent on every purchase ''. Unfortunately, this is a false and deceptive statement. The brochure explains that I use the credit card to book a flight on my own, then go to their rewards center to redeem my miles, which will apply a credit for that flight. It turns out that a " mile credit '' does NOT result in a credit towards a flight mile. Instead, it is just a XXXX penny credit towards my flight purchase. These are very different things! For example, suppose I make {$100.00} in credit card charges and earn XXXX miles. If I then use my card to book a XXXX mile flight, say for {$50.00}, they will NOT credit my account for {$50.00} as directly implied in their brochure. Instead, they will only credit me for XXXX CENTS! 
Here is their description of the program. 
" Redeem for past travel purchases using Purchase Eraser. Simply book your travel through your favorite travel website, travel agent, or other travel resource using your No Hassle Rewards card. Then, go online at capitalone.com or call our Rewards Center to use our Purchase Eraser feature to redeem your miles and receive an account credit for the cost of your travel purchase. " The problem is that " redeem your miles '' should really say " redeem you pennies ''. The credit earned is NOT miles. The " miles '' redeemed will NOT cover the cost of a flight of that same number of miles.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Delinquent account

Complaint:
I have mailed dispute notice to Capital One requesting verification of this account reporting on my credit report and they have yet to respond with a proper answer nor did they send proper verification and never stopped collecting according to 15 U.S.C. 1681s 2 7a.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-29
Company: Bread Financial Holdings, Inc.
State: CA
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:
credit card opened in my name with comenity capital bank / XXXX on XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2018-05-26
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Their investigation did not fix an error on your report

Complaint:
I reported an inaccurate debt collection for investigation to Transunion on XX/XX/XXXX and on XX/XX/XXXX they verified it as accurate. This debt was already paid to the original creditor prior to the reporting date of XX/XX/XXXX by the collection agency. The collection agency has not provided any proof that a debt is still owed. I have a receipt from the original creditor to substantiate my position as well.

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 2017-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Capital one auto finance has been reporting my car payment late even when I 've paid on time. I 've asked them to remove the late payments and I 've just gotten a generic response back with more run around. All I want is my late payments removed once and for all.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: Dynamic Recovery Solutions, LLC
State: LA
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX Acct # XXXX I have no knowledge of this debt, dates or services rendered. I looked at my credit report and I noticed this agency on my report. I have written two verification letters ( receipt of notice ) attached. Company ignored my request and continued to report this alleged debt on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-12
Company: LDF Holdings, LLC
State: MI
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
On approximately XXXX/XXXX/XXXX a loan was taken out with XXXX XXXX XXXX for {$500.00}. Payments were to be submitted from my bank account every two weeks on payday until the loan was paid back. The first payment of {$100.00} was completed on my next registered pay day of XXXX with 7 payments of {$100.00} to be made every two weeks consecutively until the loan was paid in full. The total amount paid would be {$830.00}. This loan has become difficult to pay back due to the high interest rate and fees. 

Upon further review I discovered that the practice of XXXX loan companies dispersing loans consisting of interest rates above state legal limits are considered illegal. In the state of Michigan where I reside, the rates XXXX XXXXXXXX XXXX applies to their loans do not meet state requirements .This was not explained to me prior before I accepted the loan. I am now fully aware that legally I am not obligated to pay this loan back. However I do intend on and wish to pay back the principal amount of the loan, but not the interest and fees. I willingly borrowed {$500.00} and will pay it back via payment plan, minus the {$100.00} I have already paid, for a total of {$390.00} I have reached out to a loan consolidation agency to help me coordinate this as well, and to show in good faith the rest of the loan principal amount will be paid back. 
At this time I also request that all communications Cease and Desist in regards to this debt. This is a notice that any phone calls from employees or registered agents of XXXX XXXX XXXX to my place of employment, home phone, and references are to stop. My schedule makes it impossible to be available to receive phone calls during normal business hours. Be advised that any phone calls received in regards to this debt, will be recorded and by doing so after receiving this letter will be considered an acknowledgment of their agreement to being recorded. 

Thank you, XXXX 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 2016-12-13
Company: DataMax Corporation
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
not only is this debt paid but I have proof from XXXX it is not mine as well as the time it was paid I was living in a furnished apartment XXXX XXXX XXXX, Fl . that did not require me to have electric in my name. On top of that I have filed enormous Identity theft reports with the credit reporting companies and all the debt collectors.

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 2016-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
XXXX XXXX, XXXX To whom it may concern, My name XXXX XXXX, I bought a cognac collection bottle from XXXX XXXX. After I received pictures from her I agreed to purchase it in what I was led to believe was in good conditions. I sent payment on XXXX XXXX, XXXX ( I am dispute in these amount {$340.00}, {$620.00} & {$1600.00} payment to XXXX ). The first shipping bottles was sent on XXXX XXXX, XXXX and I received the XXXX package after 3 long weeks of waiting which I finally received by mail service on XXXX XXXX, XXXX ( if she was sent by XXXX or XXXX I can received package early and less damage because package was lay around and less handle careful .... ), after I opened the package I smelled a scent of liquor which turns out was leaking from the bottle along with a label was stain with damage. At which point I decided to take pictures of it, I sent a notice to her and told her I would like to return it. It is apparent and obvious that the bottle was leaking prior her selling it to me. I tried to communicate with her to return it or credit me for damaged bottle. But she stated and told me old stuff may leak or stain ... that is normal for old stuff ... but I told her ... not for me and I do not buy damage goods. I just want return it! I have done some research to try and return it by XXXX or XXXX to send back to her. But liquid goods that leak are not permitted to send back, if the carrier smell or see something leaking they will destroy on site. It is a waste of my time and money, I received another package on XXXX XXXX, XXXX after 6 weeks and I did not open up because I knew should it be damaged due to the postal service, I would be stuck with yet another leaky bottle ( cheap shipping package lay around so long and not handling careful ... return with receipt from XXXX XXXX XXXX ). 
I was advice from my credit card ( Capital One Master Card ) return Items to the seller ( and I had receipt I was sent back ) I did not get credit back to my credit and I also sent all back up pictures and dowload the document to credit card link on XXXX XXXX, XXXX and fax on XXXX XXXX, XXXX and now my credit charge back to my credit card ... even I was return stuff back to seller & credit card I had insurance to protection to buy I tried to get second pinion/ appraisal for the bottle that was damage but I can not find any companies around in XXXX County , Virginia to do so. I even went as far as to going to pawn shop to ask for a second opinion. Which I had no success for various reasons and them thinking it was some kind of law enforcement operation or sting ( in Virginia only XXXX stores are allowed to sell hard liquor ). I will also be discussing with my credit card company. I can bring the goods to your office to see. ( Capital One headquarters is in XXXX XXXX not too far from my house ). Please let me know of any ideas I can use to pursue to this dispute. 
Thank you. 

Regards, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14
Company: Harvard Collections, LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Contacted me after I asked not to

Complaint:
On or about XX/XX/2016 I received a call from Harvard Collection regarding a debt I owe to the IL Dept of Revenue. I do not dispute the debt however the original caller from Harvard Collections named XXXX pressured me to make payment with only a prepaid credit card and she would not give the address of her agency. At that time I googled the agencies address and sent a letter to them requesting I no longer receive phone calls per FDCPA. I also contacted IL Dept Rev about this as well as IL Attorney General. I had also received letter from IL Dept of Revenue stating that I could pay debt by withholding my Federal Income Tax and communicated that is the only way I can plan to resolve this debt at this time. As of XX/XX/XXXX I received another call from XXXX XXXX at Harvard Collections requesting payment. Again I have sent another letter telling them they are not compliance with my previous notificiation to only receive communication via mail. I also notified IL Dept. of Revenue and IL Attorney General. I do not dispute my debt ; however I do dispute the fact that Harvard Collections with their initial call and payment method and since I did send a letter requesting no contact by telephone and only mail I dispute this additional collections call to my home from Harvard Collections. I believe I had made clear communication to IL Dept of Revenue of my intentions to pay and if in the near future I become blessed enough to obtain the funds I owe prior to my Federal Income Tax return I will pay the debt. At this time I am making sure I have adequate funds to pay my rent and able to continue working ; but my paychecks only cover living expenses. I sleep on a mattress on the floor and I try to make ends meet by visiting food pantry and I never go out to eat ; I make make lunches ; needless to say steak and lobster is not on the menu ... .beans, peanut butter, macaroni and cheese sustain my existence. My home phone bill is barely paid and my family does not have the money to help me pay my outstanding debt. My mother is in XXXX XXXX with a not very good prognosis of survival. When I can I visit her but it does pose a hardship for my pocketbook. Your assistance with this matter is very much appreciated.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: CIT BANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Reverse mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Homeowner XXXX XXXX, an XXXX year old widow, is being unfairly taken advantage of by servicer of his reverse mortgage, Financial Freedom. In XX/XX/XXXX XXXX , XXXX was approved for a Florida Hardest Hit Program ELMORE ( " Elderly Mortgage '' ) grant to pay off delinquent property taxes and property insurance that he fell behind on after his wife died in XX/XX/XXXX. This program grant paid Financial Freedom a total of {$37000.00} on XXXX XXXX 's behalf to cover the unpaid property charges. Of this, {$29000.00} was for past-due property charges that became due before XX/XX/XXXX and {$8000.00} was to be used by Financial Freedom to pay prospective property charges that would become due during upcoming year. The ELMORE Grant Award letter is attached to this complaint for your reference. The {$37000.00} in grant funds were paid over to Financial Freedom on XXXX XXXX 's behalf on XX/XX/XXXX. 

XXXX XXXX 's flood and property insurance policies both became due in XX/XX/XXXX. XXXX XXXX contacted Financial Freedom to make them aware of the upcoming renewals in XX/XX/XXXX. He followed up with his written request that Financial Freedom use the money that was paid to it on his behalf to pay for the insurance policies several times in XX/XX/XXXX and XX/XX/XXXX. 

Despite having more than sufficient funds and information to pay these property charges Financial Freedom has ignored XXXX XXXX requests and has refused to use the {$8000.00} to pay the property charges. Financial Freedom has misappropriated the funds it received on his behalf and refuses to use them for his benefit, as they were clearly intended for. Financial Freedom is effectively stealing money that it received for XXXX XXXX and apparently using that money for its own purposes.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-09
Company: SYNCHRONY FINANCIAL
State: OH
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: Investigation took more than 30 days

Complaint:
I have filed a dispute in regard to the incorrect items on my credit report. It has been well over 30 days and I have not yet received any investigation results.

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 2015-05-11
Company: Fidelity National Information Services, Inc. (FNIS)
State: KS
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
Received my consumer report from ChexSystems and noticed some inquiries listed under consumer initiated that I never initiated. I 've never been to XXXX let alone tried to open up an account with XXXX in XXXX. Tried contacting ChexSystems to file dispute and was told they do n't handle disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-28
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company is charging for a balance that I do n't owe. I have never been to this company and they report a {$66.00} charge on my credit report to all  XXXX  agencies.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: CA
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:
Im submitting a complaint to you today to inform you I was the victim of identity theft. I sent the necessary documents in FEDERAL TRADE COMMISSION or https : XXXX, So I am here to notify/complain to you directly through this platform. Here are the items that are erroneous in my file and need investigation : XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXXXXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX Balance : {$0.00} XXXX XXXX XXXXXXXX XXXX Balance : {$0.00} XXXX XXXXXXXX Balance : {$0.00} XXXX XXXX Balance : {$0.00} XXXX XXXX XXXX XXXX XXXX XXXX : {$1800.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXX XXXX XXXX XXXX ) XXXX Balance : {$0.00} XXXX XXXX XXXX ( Original Creditor : XXXX XXXXXXXX XXXX ) XXXX Balance : {$960.00} XXXX XXXX XXXXXXXX Balance XXXX {$1200.00} XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX  XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XX/XX/XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-30
Company: REGIONS FINANCIAL CORPORATION
State: OH
Product: Mortgage
Sub-product: Other mortgage
Issue: Settlement process and costs

Complaint:
We were the sellers in a transaction where the Regions Bank Loan Officer provided preapproval letter. On Friday, XXXX XXXX, 2016, we received notification that the borrowers loan was approved. The purchase agreement called for a closing date on Friday, XXXX XXXX, 2016 - seven days later - and that the borrower was to be provided with a 'walk-thru ' 48 hours prior to the closing. On Saturday, XXXX XXXX, 2016, we entered into a lease agreement with a local apartment complex where we had to pay fees and prepay first months lease which totaled {$1200.00}. On Monday, XXXX XXXX, 2016, we received an email that the borrower could not complete the transaction pursuant to the contract since his down payment money was to be provided by a XXXX loan and he could not submit a request for the necessary funds until Friday, XXXX XXXX, 2016 -the day of closing. Regions Bank, in providing an approval for the loan for their borrower, did not have the capacity to do so since the bank had not verified the ability of the borrower to complete the transaction per contract dates and caused us to incur expenses based on the loan approval. We feel that Regions Bank did not act in good faith, provided false information to us as sellers, caused us to expend energy and money in complying with the contents of the contract. When Regions Bank was contacted regarding this matter and a claim of reimbursement for the apartment application fees, prepaid items and lease payment, the Bank responded that it would be investigated. However, contact with Regions Bank has gone unanswered and unresolved to our satisfaction. We would think that if a financial institution provides a preapproval letter for a potential borrower that sufficient research and due diligence would be performed to ensure that the borrower has the ability to meet the components of the contract and not cause the seller to incur undue expenses.

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 2017-04-28
Company: AMERICAN EXPRESS COMPANY
State: TX
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 notifi ed American Express that i  have been a victim of Identity theft as soon as I found out. It was on  XXXX / XXXX /   2016  when I notified all  XXXX  credit bureaus with affidavits from my lawyer and a police report. They did n't remove it from my report which I requested. As of a month ago I sent another affidavit asking for the original contract signed stated by the Fair Credit Reporting Act  section 609 ( a ) ( 1 ) ( A ) that they are required by federal law to verify through the PHYSICAL verification of the ORIGINAL SIGNED Consumer contracts. I currently live in TX which by law in order to collect they must be bonded with the Secretary of State in which American Express is  not. I am demanding that the credit card of a balance of {$1500.00} be removed immediately. Thanks.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-15
Company: BANK OF THE WEST
State: WY
Product: Credit card
Issue: Other

Complaint:
I had a credit balance of {$.00} on my Bank of the West credit card. I knew it was there but elected to leave it alone. This is still an active credit card that I use occasionally. On XXXX XXXX, 2016 Bank of the West arbitrarily decided to debt my credit card as an " account adjustment '' and take the credit balance. While this is not a large amount of money the point is that neither Bank of the West or any other financial institution has the right to steal money from their customers the way this bank did. I suspect this is not an isolated case and am quite sure that this institution believes that since it 's such a paltry amount why not just take it. If they do that with enough customers they can easily pad their profits. This kind of practice needs to be stopped and the institutin fined for essentially stealing money.

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