BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-19
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Late fee

Complaint:
I closed my account with Citicard XX/XX/XXXX. I had been a loyal customer of Citicard since XX/XX/XXXX, and received paper bills and paid them in a timely manner every month for 14 years. After I closed my account, I cut up my physical card, and stopped using the account. Unbeknownst to me, there was a small balance - under {$10.00} - remaining. I did not receive a paper bill to indicate there was a balance. I received a call from a collection agency saying I now owe over {$88.00} which includes XXXX charges of {$25.00} for late payment - plus interest. My card has been closed! They say I switched to e-billing. I assured them I had not since I get ALL my bills from every vendor mailed to me each month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-07-17
Company: CCS Financial Services, Inc.
State: IL
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:
XXXX offered cable/internet services for my home. We were told that we had 90 days to cancel the account if we were unsatisfied with the service. We had many issues regarding the service to our home. While it was getting close to the 90 days for cancellation, we were promised that the issues would be resolved. We spoke with many representatives and when we complained repeatedly that the issues were not getting resolved, we were told that the 90 days would not be in effect since we were still unsatisfied. After about 100 days, we finally cancelled the service because the customer service was so poor. 

After cancelling service and returning the equipment to XXXX, we received a bill from XXXX for the service. I called XXXX to complain but was told that it was after the 90 days. Now, years later, this is still affecting my credit report.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other

Complaint:
I have contacted XXXX, XXXX, and XXXX many times to dispute this Capital One account that had been fraudulently compromised many years ago. I have not had any success in getting this fraudulent account removed from my credit file. I have reported that this account was stolen a few years ago. I need your help in getting this account remove from my credit file. Not to mention, my identity was stolen along with the accounts being compromised.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Bliksum, LLC
State: AR
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit repair services
Issue: Problem with customer service

Complaint:
This company is currently showing 30 days late for the month of XX/XX/2021 and 120 days late for the month of XX/XX/2021. I have read enough to understand my rights. You are attempting to violate this clear understanding. Investigate and update the current status to reflect accurately.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-05
Company: New Century Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Third party collection agency New Century Financial Services, filed a judgement against me to claim a debt from XXXX to place a wage execution order. According to the judgement this claim was from XX/XX/XXXX. I paid the judgement in XX/XX/XXXX to a collection agency. Additionally, there was no written notices prior to this regarding an opportunity to set up payment plan. Judgement creditor did not provide me notice prior to escalating it to wage garnishment and the agency never contacted me. When I called for more information regarding the wage garnishment order representative could n't provide me with my DOB and address and asked for my social security number. Additionally representative stated that I physically spoke to someone from XXXX XXXX XXXX XX/XX/XXXX to make payment arrangement. This claim is completely false, I have never spoke to anyone from New Century Financials, Inc. or any other firm pertaining to this matter in person. There was no XXXX transactions in my credit report. Creditor XXXX has never sued me in court to obtain a money judgement against me for garnishment wages. I requested in writing a demand for a bill of particulars to include the unpaid balance on the account, proof the Plaintiff owns the account and they have never sent me this information.

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 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
TransUnion shows ( 1 ) derogatory item in my report, but does not give me an option to submit a dispute. The item is older than 7 years and should be removed from my 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 2017-01-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Was denied credit increase and the denial letter did not state the reason to me that was correct. The denial used vague terms such as " substantially '' and was not true. Letter of denial stated that " Your average monthly payment has been too low. '' My minimum payment required has been from {$17.00} to {$140.00} and I have made consistently much higher than minimum payments in the amounts of {$150.00}, {$300.00} and {$450.00}. I have an excellent credit score and never missed a payment and on time. My complaint is that I do not believe the decision to deny me a {$2000.00} increase on my {$8000.00} credit limit was correct or fair. I was not given an adequate explanation by the Capital One Manager I spoke with - XXXX Employee ID : XXXX at XXXX ET on XX/XX/2017. Please help me understand why I was denied credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Currently I am a Capital One Quick Silver Credit Card holder. withdrew {$160.00} in cash On XXXX XXXX, 2016 I made a cash withdrawal for {$160.00}. 
The charge appeared on my account and I continued to pay my bill. Come XXXX XXXX, 2016 and I signed into my account only to see the charge duplicated. I filed a fraud investi- gation. Capital One gave a temporary claim adjustment but latter old me that there was no fraud, I ask for their investigative report but they have not given me any proof only all indications that it if in my statement as a charge which I will unfairly have to pay next billing cycle.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TCF NATIONAL BANK
State: CO
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
My wife had used my phone to contact a loan with my information and withdrew the amount from my account and left.. 
First loan started take the payments from my account and when the payments wasnt going through, they called me and I told them I dont know anything that my wife did that out of my sight

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Thaxton Investment Corporation
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
COVINGTON CREDIT Last reported XX/XX/2021 {$0.00} This is not my account, please remove from credit profile.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: Herbert P. Sears Co., Inc.
State: KY
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
This account is originally from denali FCU And has been charged off by them. A current company HP Sears has attempted to increase the debt over the last few months. They have not contacted me and continue to Increase the amount. The account has somehow for some reason been sold to collections after denali has already written the debt off.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
see attached letter, this account with XXXX, neg information on report, 1 account, is over 7 years old, remove

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 2016-08-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid a debt to Capital One in 2009. Since then, I 've received letters from numerous creditors and Disputed the Validity of Debt, never received documents until a phone call XX/XX/XXXX from XXXX XXXX at XXXX XXXX XXXX. He first called my wife and threatened her noting that she was on the loan, which is untrue. He continues to harass our family and there is no debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-16
Company: EQUIFAX, INC.
State: OH
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:
My name is XXXX XXXX XXXX I have requested several times to REMOVE my credit freeze from my file. I am looking to buy a car and they can't pull my file because of the freeze/block/Fraud alert on my file please remove it at once!! My SS XXXX and my is XXXX XXXX. I have attached my bank SS Card and DL for proof of ID

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
This is the third time I file this complaint in 4 months ( both earlier complaints attached fyi ), and NOTHING has happened ... what is the use of CFPB if you tolerate that the companies whose abuses you claim to protect us from, are free to simply ignore our plights? Does this bureau deserve taxpayer funding??? 
PLEASE HELP ME GET MY {$2000.00} BACK FROM BANK OF AMERICA for interest rates and fees that they charged on my Bank of America XXXX even as they had over {$50000.00} on my checking and savings accounts. For details. refer to my original complaint of XX/XX/XXXX, ref. XXXX Counting on your prompt and forceful investigation. 

Thank you once more.

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 2021-10-06
Company: EQUIFAX, INC.
State: IN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
Equifax is disingenuously tanking my credit score. I have been keeping an eye on my reports for the past several years and watched it go up and down and I've investigated as to the reasons why, and it's always been for reasons that could understand, but on XX/XX/2021 my score dropped twenty-nine points for no reason at all. The fact is that it should have risen because there were four reported balance decreases. I spoke with a representative from Equifax that double talked to me. When I asked why my score dropped so dramatically on that particular day I was told that they did not keep day to day historical data. On that day my XXXX score was and still is XXXX and my Equifax score was XXXX. It dropped to XXXX and the reason was because there were four balance decreases reported that does not make sense. My question is how could my score take a drop like take for no reason and if there were a reason why didn't my XXXX score drop if they are both using the same system to grade credit worthiness.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Upon opening a joint Capital One Account for my XXXX year old son in XXXX, I opted out of Overdraft Protection by signing the appropriate paperwork. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. Beginning XX/XX/XXXX they began arbitrarily charging overdraft fees. And at no time did my son and I ever opt in for overdraft protection. At this point it is about {$1500.00} worth. They said that we " opted in '' in XX/XX/XXXX, but have been unable to prove that point. Even if we had opted in in XX/XX/XXXX, the original wrongly charged overdrafts if they had n't been taken out of the account, there would be enough money to cover debits and therefore NO overdraft charges should be assessed in XX/XX/XXXX. I called Capital One Banking on XXXX XXXX XXXX and they reversed XXXX fees and said they would research the rest and get back to me. After five unreturned phone calls and over three hours waiting on hold and countless messages left, on XXXX XXXX, XXXX I visited Capital One on XXXX XXXX in XXXX and met with XXXX XXXX, Bank XXXX. He promised me resolution in a week. As of today there is no resolution and he is still " gathering '' documents. He also told me that it was my responsibility to check my bank statement and if something was wrong to bring it to the bank 's attention in a more timely manner. He indicated Capital One could n't be liable for something that I had n't noticed sooner.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-07
Company: Byrider Franchising, LLC
State: AL
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Problems when you are unable to pay

Complaint:
This account was including in a chapter XXXX bankruptcy in XX/XX/XXXX and was discharge in XX/XX/XXXX. They repossession the car and sold it.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-03
Company: Ocwen Financial Corporation
State: TN
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
Ocwen Loan Servicing LLC, which services my loan, continues to violate the Fair Crediting Reporting, and Fair Debt Collection Practicing Acts, by failure to report the payment status of my mortgage loan, accurately. Consequently, I have suffered financial hardships in terms of declined credit opportunities and higher interests rates.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
XXXX continues to contacted me XXXX x consecutive times during work hours and told them to contact me after XXXX XXXX for a Capitol One credit card for {$330.00}. XXXX have failed to protect my rights so I am requesting them to cease and desist since they are in current violation of my consumer rights. 

Debt Collector Information : XXXX XXXX ( Representative : XXXX ) XXXX XXXX XXXX XXXX XXXX, XXXX. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX, PA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: LEXISNEXIS
State: FL
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Problem with statement of dispute

Complaint:
LEXISNEXIS is reporting incorrect information on XXXX report. They are reporting my social security number, date of birth, driver license number associated to my wife 's claim for an accident, this is causing me to have higher auto rates for the claim my wife made on XX/XX/2015. They will not correct the information.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-06
Company: EQUIFAX, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
This is XXXX XXXX XXXX, who is submitting this CFPB complaint myself and to inform you that there is no third party involve in the process. I have been patiently waiting on their response about the written requests I sent. We have been sending written letters since XX/XX/XXXX with regards to my request of removing the items in question and my last request was sent XX/XX/XXXX. However, any modes of response or coordination were not taken on their end. They have not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i within the time allowed by law and continued reporting as unverified information which now, given all my attempts to address it directly with the Bureau, as willful negligence and non-compliance with federal statutes. Below are the lists of the erroneous accounts reporting on my Credit Report : XXXX XXXX XXXX. XXXX Date Opened : XX/XX/XXXX {$5.00} XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$490.00} XXXX XXXX Date Opened : XX/XX/XXXX {$1300.00} XXXX XXXXXXXX XXXX Date Opened : XX/XX/XXXX {$160.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$0.00} XXXXD XXXX Date Opened : XX/XX/XXXX {$0.00} XXXX XXXX XXXX XXXX Date Opened : XX/XX/XXXX {$410.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Transaction issue

Complaint:
I filed a complaint about not being allowed to stay in my hotel room XXXX night while in XXXX, XXXX. I was clear that I was allowed to stay the other nights, but the final night I had to get another hotel because the security guard would not allow me to enter. I have repeatedly provided information about this to Capital One. They came back and said that I did check in to the hotel. I did, but was not allowed to stay XXXX of the nights. XXXX, the partial refund request XXXX the hotel refused XXXX. 

Once again, Capital One is asking for this same information. Their own contract says I am protected against services not being provided, but instead of doing that they are deliberately making me provide the same information repeatedly and trying to wear me down. I am tired of this. I just want the partial credit. They keep deliberately messing this up and confounding the information. 

Even when I told them to cancel the account because I am sick of this XXXX they refused!!! How can they refused to close my account? It just baffles me that they act this way. Where are my protections?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-01
Company: Chime Financial Inc
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
XX/XX/22 I filed a dispute with chime for two unauthorized charges on my account. One was {$280.00} and the other was {$20.00}. My dispute was closed as approved, my money was returned however, it was taken back by chime only ten minutes later. I have tried for weeks to get them to understand the situation but they prolong it and leave me waiting. Ive requested their fraud department however, they informed me that they in fact do not have one. Im left with no resolution and my money stolen by chime.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
problem with citi bank I returned what I purchased I also dispute online shopping which was from XXXX so technichly all that will give me a XXXX balance but Citibank wants me to make a payment I told them it does n't make any sense with all the credit my payment will make my account credit then I have to call citi again and request a efund for the credit balance the XXXX do n't get it I am not making any payments periods why make a payment then request a refund?????

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 2016-09-13
Company: Santander Consumer USA Holdings Inc.
State: MI
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
We had a principal balance of {$18000.00}. We paid nearly {$25000.00} over 4 years. Despite paying principal and interest, our 2008 XXXX XXXX vehicle was still reposessed. We are out of {$25000.00} and a vehicle. To make matters worse, Santander auctioned the vehicle for {$4000.00} and is now asking us for an additional {$11000.00}. Santander has been paid nearly $ XXXX on an $ XXXX loan, and still wants $ XXXX. This is predatory. If it is not criminal, it should be.

Company response to consumer: Closed with explanation