BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-08-15
Company: BMW Financial Services NA, LLC
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: Account status incorrect

Complaint:
Original notice of Dispute to BMW Financial Services was signed for and received by them on X/XX/2017. I advised them they must validate the debt and " Please also be aware that any negative mark found on my credit reports ( including XXXX, XXXX and XXXX ) from your company or any company that you represent, for a debt that I do n't owe, is a violation of the FCRA & FDCPA ; therefore if you can not validate the debt, you must request that all credit reporting agencies delete the entry.
They did not respond within the 30 days required by the FCRA & FDCPA. I sent a follow up letter notifying them of their violation. They received and signed for the 2nd letter X/XX/2017. They sent a letter X/XX/2017 stating they did n't believe it was from me and that they thought it was from a credit repair company and their policy is to only respond to requests sent directly by customers. This was their attempt to disregard the fact they had already broken the law with their failure to respond within 30 days to my original letter.
I sent a follow up letter which they received and signed for on X/XX/2017, notifying them " There is no verbiage in the Fair Credit Reporting Act or and/or the Fair Debt Collection Practices Act that allows for a creditor to not respond or place a " notice of dispute '' on my account within 30 days of my dispute due to a " reason to believe '' the request was n't sent directly by the consumer/me. Further, there was no attempt within the original 30 day timeframe made by BMW Financial Services to inquire as to whether the request was sent by me, it was assumed it was n't me. My original dispute was legally valid and you failed to respond within 30 days, period. '' There has been no further correspondence sent by BMW Financial after receipt of this letter on X/XX/2017 and they still have not placed a " notice of dispute '' on my credit report nor have they " validated the debt ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Avant Holding Company, Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I noticed today on my XXXX XXXX that there was a new inquiry for a credit card to Webank/Avant which I did not apply for. I alerted the company by calling them today and they were sending it to their fraud department and sending me a affidavit to fill out stating fraud.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-19
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
I have been a victim of identity theft/fraud. I notice three inquiries so far within the last month and I have got {$3000.00} taken out of my bank account also this month, but my credit union have resolve that issue at least. I contact the credit companies I was able to see, they claim to stop any transactions. I put a credit freeze on all bureau 's once I notice I was a victim. I'm not sure if anything else was applied for this month. Thanks for all the help please. Thanks Can you please remove these inaccurate inquires off of my credit reports : XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXX XXXX XX/XX/2022 - XXXXXXXX XXXX XXXX XXXX

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 2015-05-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
Payments were posted to the same billing cycle ( month of XXXX ) and not applied to the correct month resulting in past due status on the account. I noticed the recent statement had a larger payment due than normal and indicated the account was past due. I called Capitol one and they said they received and posted a payment before the XXXX day of the month the payment was due therefore they were applied to the previous months cycle and caused the account to become past due. A 30 day late on my credit report is reported on the account, it has dropped my score XXXX pts from a XXXX to XXXX. Requesting Capitol one to send me a letter indicating that they will remove the 30 day late at the bureau level with XXXX XXXX XXXX so i can remove and get the account updated and repair the damage done to my credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
I have been with Capital One credit card since about 2012. Due to my financial hardship at XXXX point, I got behind with my payments. I never stop paying and at the moment my account with Capital One is current. Due to being late a few times in the past Capital One restricted my account, so I 'm not able to use the credit card. I 'm okay with not being able to use the credit card again, but I requested a due date change from the XXXX of each month to the XXXX of each month. The reason for the due date change request is because my employer changed my pay period from the XXXX and XXXX to the XXXX and XXXX of each month. My payment with Capital One is due on the XXXX of each month, so because of my new pay periods it makes if financially difficult to make my payment on time with Capital One. I explained to representatives at Capital One the reason for my due date change request and was told nothing they can do since the account is on restricted status. As I mention before I have been paying on time and my intentions are to pay the remaining balance by the end of the year. A due date change will help my achieve that goal, so again I 'm not upset that the account was restricted, just need help from Capital One with a due date change.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-17
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan servicing company Seterus Inc. has been inefficient in paper handling repeatedly asking for same documentation that has been previously provided and has caused delays in submitting loan payoff demands to closing company causing increased costs to consumers in interest payments and penalties. Repeatedly giving incorrect information about expected time for their performance from 48 hours, to 5-7 days, to 7-10 days, to 21 days, to they are backlogged and do n't know when. When contacted by closing agent, they fail to instruct that demands and authorizations must be on their forms when information is requested by the consumer, closing agent, and real estate agent. Being told to contact them by a certain date if requested demand has n't arrived only to be told later that no authorizations or records are on file after the information has been submitted. They are inefficient at best unless they intend to delay closings to earn more interest and penalties from consumers.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Capitol One Bank calls MULTIPLE times a DAY. They never leave a message as to what it 's about or how much is owed or where to send payment. Instead they call relentlessly. I know it is them because I had to put a block on my phone. Every time the phone rings its them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-07
Company: CITIBANK, N.A.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Having financial hardship after XXXX, I fell behind on my Sears Citibank credit card. When I became financially sound, I negotiated a auto payment plan with Citibank 's collection agency. 

However, after a year of auto payments, unknown predatory collection company XXXX bought the debt and demanded I pay the debt in full, or they were going to sue me. 
I called Sears Citibank and said the debt was discharged. 

XXXX harassed me for years by calling my home and work multiple times daily without providing invoices of my credit card transactions. Then, this summer I was wrongfully sued by a predatory law office XXXX who works for XXXX. 

After doing research, I discovered that these two company prey on working class citizens in Louisiana. So, I thought I was being scammed. 

Because I ignore the law suit and could not explain my case in Civil Court, the judge ruled in their favor. To make matters worst, Since my hands were tied, I spoke to XXXX at XXXX and told her I could negotiate after the Holidays. She ignore my request and started garnishing my wages for $ XXXX for a {$3500.00} initial debt. Now, I owe over {$8000.00} and counting. I am embarrassed to go to work. 

Because I can not pay all my monthly expenses ( mortgage, car, utilities, college tuition, medication for XXXX now, I my have file for bankruptcy. My credit score is almost 800.

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 2021-09-26
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
We have a XXXX XXXX XXXX credit card with hundreds of thousands of points. We find it virtually impossible to use our copious points to book travel. Yesterday we were locked out of our account ostensibly because our account number, member number and password do not match their records. I have spent hours going through all of their online options to fix this but find nothing. You must be able to log in to do anything and I can't log in. None of the preprogrammed options address our problem. If you try to call them you get a preprogrammed message that says they will call you back but they never do. I was able to reach a human being on a number associated with our local airport but he could not help me because our account access is locked. Now I can't find a way to unlock our account. I just want to find a way to use our miles and change to a different credit card.

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 2017-02-22
Company: Navient Solutions, LLC.
State: TX
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I contacted XXXX XXXX to pay off my entire loan in 2005. However, they refused to give me an exacted pay out and suggested that I make the monthly payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I keep receiving letters from Capital One with my first name changed and told that I do not qualify for a credit card. I have returned many requests for them to stop doing this but, they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital One account issues a 1099c to IRS for an account which had unauthorized charges and never resolve with Capital One Bank and my account balance. Capital One Bank file 1099C without my agreement to file written off debt improper. The account was charged off in 2010 and Capital One written off debt three years of loss and file a 1099C

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I ordered a prepaid Capital One credit card to help with my credit report. Back in XX/XX/XXXX I was the victim of identity theft and reported this issues to Capital One while trying to make payment on my credit card. XXXX XXXX gave me a due date to pay by XX/XX/XXXX or the credit care would be permanently closed. I called on XX/XX/XXXX only to find out the Capital One closed the account and asking me to pay a balance of {$460.00} of money that was never grants to me. I use the money that I put on the credit card and pay it back in a timely manner to help my credit. Capital One is now reporting this on my credit report as late and sent to collections.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-14
Company: Ocwen Financial Corporation
State: MS
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage lender is Ocwen Loan Servicing. My hazard insurance payment of {$1500.00} was due XXXX/XXXX/16 to XXXX Insurance Company. As of XXXX/XXXX/16, it has not been paid. My insurance agent has attempted several times to get an overnight payment. She was told that service was unavailable. I received an email from XXXX insurance that my coverage will be cancelled as of XXXX/XXXX/16 if they have not received a payment before then. I have now spent 45 minutes on XXXX/XXXX/16 on the phone speaking to XXXX representatives/supervisors. I was told that they see that the payment request was made on XXXX occasions but were cancelled due to computer errors? I have now requested an emergency overnight payment as of XXXX/XXXX/16, and while they tell me that this has been completed, they are unable to give me any confirmation number, email, letter, etc. This has to be illegal or at the very least it is unethical. I have never been late paying my mortgage payment and my money is in the escrow account to cover this. What do I need to do?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-16
Company: Ocwen Financial Corporation
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
While attempting to discuss refinancing XXXX Load advised that there was an " Open Dispute '' I advised that one had been open but resolved. I was informed that OCWEN would need to close the dispute in order for me to discuss the issue further. I have unsuccessfully reached out to OCWEN XXXX and to date the dispute has not been closed nor has anyone investigated the matter. I am being denied the opportunity to lower my mortgage due to OCWEN 'S incompetence and failure to resolve this issue. HELP!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Ditech Financial LLC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XXXX XXXX my loan was paid off due to the sale of the property and during closing I made an over payment in the amount of {$780.00} to Ditech. This over-payment was refunded to me by check, ~ XXXX dated XXXX XXXX XXXX. The check was subsequently lost in the mail so I contact Ditech in XXXX XXXX to have it re-issued. It is now XXXX XXXX and I still have not received the money owed me. I contacted Ditech in XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX, XXXX & XXXX and XXXX XXXX to find out why I still have not received my money. I have spoken with XXXX, XXXX, XXXX, XXXX, XXXX, XXXX and XXXX XXXX all of whom assure me that a check had been re-issued and would be mailed out within the next 30 days. XXXX, who is apparently the supervisor gave me his personal number and confirm an electronic payment would be made on or about XXXX XXXX. This still has not happened and he is now not accepting my calls. I have left him numerous messages. No one from Ditech has made any attempt to contact me regarding this issue.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Other

Complaint:
For the month of XX/XX/XXXX, my Capital One credit card was due on XX/XX/XXXX. My statement balance was {$280.00}, however, I had a higher balance from recent transactions. I paid {$500.00} from my XXXX on XX/XX/XXXX and it came out of my checking account on XX/XX/XXXX ( see attachment ). Since I paid my entire statement balance, I now have no payment due until XX/XX/XXXX. I am enrolled in text alerts from Capital One for purcahses, payments, etc. At XXXX on XX/XX/XXXX, I received a text saying, " Capital One Alert : Your payment of {$280.00} is scheduled for XX/XX/XXXX. Contact us if your payment details are incorrect. '' I was sleeping at this time, so I know I did not schedule this payment nor did not contact Capital One until XXXX the same day. I was told that yes, a payment had been scheduled via a Mobile device and could not be canceled. I reviewed my payment history and at least since XX/XX/XXXX, I have used XXXX to make my payments to Capital One, but this time, it was scheduled from my husbands XXXX account. Back to school time and a XXXX, my husbands bank account had a very low balance that was not able to cover this {$280.00} payment. My husband called his bank and they said that nothing is pending or posted as of yet and to keep an eye on it. As soon as he sees something come through, he will need to contact the bank so they can flag it and cancel the transaction.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On the day of my visit at the old XXXX XXXX branch I was approached by a personal banker. This banker asked me what I needed help with. I advised him I needed several things such as ; cashing my check, making a deposit, and making a payment on a credit card. Unfortunately I did not get the personal bankers name. The personal banker asked if I had ever used the mobile app to make a deposit. I respectfully answered no. I advised the banker that I needed my funds today and I was unsure if I made a mobile deposit that my money would not be quickly available. The banker asked the amount of check and who it was from. I advised the banker that it was from my new employer. He asked why it was not deposited by direct deposit. I told him that this was my first check and they usually give a live check. I once more reminded the banker I needed my full funds today. Having that I had lost my job last month and this was my only cash that had came in within the last 4.5 weeks and needed to pay all my bills. Having that my bills were already past due including my car payment and rent. The banker advised not to worry that he would be able to take care of that for me. I dearly trusted this man so I used my mobile app to deposit the check in his presence. Once completed he then looked in the system and stated that only XXXX XXXX dollars would be available until the check was cleared for funds which could take up to 3 days having that it was Friday. I was speechless. I clearly had told him my financial state and he clearly disregarded it. I was very upset and I just did not want to be in this branch anymore. So for that reason I shall never go in this branch and or did recommend it. I understand it is not the entires company 's fault of how their employees work. But as company some bankers are giving Capital one a bad name and making us not trust you with our money. I would want this complaint to be read by the office of the president. As I would like to know what will be done to correct this issue company wide. Having that I now know that the bank branches get credit for each mobile deposit made within their facility. I felt very used and cheated out of my money. Now I am having my doubts whether or not I should even bank or continue financing one of my vehicles with Capital one. At this point I feel it 's worth to reconsider my auto loan, XXXX credit card loans, and my personal checking account. I trusted this bank having that I clearly have done business with them I believe it is intresting that the bankers are the ones getting credits for making us deposit a check through the app within their facility and not letting the tellers do their jobs. At this point that I have the availability of depositing my own check electronically what is the point of having tellers or bankers?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX XXXX applied for XXXX loans to get a XXXX submariner and was rejected. He subsequently used a Capital One Credit Card to make the purchase. All security channels deemed it high-risk except XXXX. XXXX cleared it and so we shipped the watch. An adjustment was made in the order when I informed him that the specific model he ordered was no longer made by XXXX and under their warranty. After which, I refunded him the difference. The watch was shipped. He returned the watch, but the watch weighed less that it did when we shipped it. We subsequently, returned the watch to him. He submitted a chargeback claim stating that he never received the watch. However, that is not true. Accordingly, Capital One did a chargeback on the transaction and XXXX XXXX has his {$13000.00} and the {$13000.00} XXXX watch. Since we have been negatively impacted by credit rating and with XXXX, we request that we receive our money plus expenses.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I applied for a mortgage modification with Capital One. The modification was granted. During the trial period I made all payments as agreed. The company reported me 30 days late for 3 months during the " trial period '' even though none of my payments were late. I have gotten other modifications and no other bank reported me as 30 days late during the trial period. This is horribly unfair as obviously I have been having some financial difficulties. But I complied exactly to their requested payment. My credit score dropped XXXX points and this effect will go on for years. Punishing me for the modification.

Company response to consumer: Closed with non-monetary relief