BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-06
Company: EQUIFAX, INC.
State: AZ
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:
They are still showing on my report I've requested to have a fraudulent card open and used from XXXX XXXX/XXXX  and it was ran again against my credit. Also other things are still been showing on all 3 credit bureaus that should not have even been placed and I asked to have researched and the disputes have come back stating they will have them updated and hard inquiries that I did not apply for. I have been monitoring my reports and see these being done and sent disputes and still nothing!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
Saturday, XXXX XXXX I received an email from at Capital One Bank with the subject " Here 's the code you requested ". I called the number provided in the email. The woman said, " It was sent to all customers for security purposes. You 'll need a code the next time you log on ''. On Monday XXXX XXXX at XXXX I received an email with subject, " XXXX XXXX was added to your account ". Then at XXXX I received an email saying, " Your email was successfully changed ''. At XXXX another email saying, " XXXX XXXX was added to your account ". I called immediately only to be put on hold for a significant amount of time. The woman told me someone had changed the email to XXXXXXXXXXXX, which I did not authorize. She then said she would place a hold on my account. The next day, however, my mother received a call from XXXX in the " Security Dept. '' asking for permission to allow XXXX XXXX to take out a {$5000.00} loan. My mother was a signer on XXXX of the XXXX accounts. XXXX then called me, left me a voice mail asking to call her. I tried twice that day & left a voice mail with my name & phone #. I never received a call back. The next day, XXXX XXXX XXXX, I went to a Capital One branch, closed all accounts & opened XXXX Capital One 360 account. The manager XXXX, said I had to return the next day to transfer the funds. Thursday XXXX XXXX, I returned, he transferred money from all accounts, we called the security dept, spoke to XXXX who said I was all clear to create my online username/password only to find out later that day, I was unable to do so. Over the next 9 days I spent, trying to access my funds. Finally, last Fri XXXX XXXX a total of 9 hours 57 minutes on the phone, mostly on hold, I was able to access my new account. I logged in today & while on the Account Summary page I see XXXXXXXXXXXX with a link to update the email. XXXX, I 've never seen my personal info on the summary page. I 've just spent the last 43 minutes on the phone with " XXXX '' in the Security Dept who said when they opened up the Capital One 360 account they just transferred my personal info ( including XXXXXXXXXXXX ) from the " XXXX '' account. He claims he deleted the hacker 's email & nothing else was changed. Forgive me if I am not convinced.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had credit card insurance with Capital One on the Capital-One credit card that they are not honoring in the event of my past job layoff. I 've submitted disputes to credit reports and even submitted a letter to Capital One asking them why they are not honoring the card insurance that they offered for their cards. I had to pay a per monthly fee for that card ( at that time ) and submitted all original paperwork ( at that time, which I no longer have in my possession ) to Capital One, Capital One/Dominion Law " claim '' no one can find the original contract, well ; why am I still being held liable if they can not find the original paper ( not digitally altered ) contract that had my signature requesting with that additional check mark that I 've applied for card insurance to keep myself protected?

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-30
Company: EQUIFAX, INC.
State: CO
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:
I closed my account with  XXXX  back in  XXXX   2015 but  for some unknown reason, they are pulling my cred it 2015 until  now. I tried to dispute with Equifax but I was told that I can not dispute it since it is the account I had it before. I called  XXXX  but they told me to speak with Equifax. I am suspecting that somebody is using my name to obtain a credit card or something is going on here.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Ocwen Financial Corporation
State: VA
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:
After the sale of our previous property ( XX/XX/XXXX ), my husband had issues obtaining a loan for his new vehicle due to the credit to debt ratio being high on his credit report. We logged into our experian accounts and saw that loan accounts, including the mortgage for the home we just sold were still showing as open and in good standing. We moved forward with disputing these accounts that same day. 

Unfortunately, on XX/XX/XXXX the PHH Mortgage loan dispute came back as still open and in good standing. I disputed the account again on the XXXX following the same process only to receive the same update on the XXXX. 

On the XX/XX/XXXX I filed yet again another disput but this time with a PDF containing screenshots from the online account showing the balance at {$0.00} with a message stating the account was paid in full and closed. Again, by XXXX the result was still that the account was still open and in good standing. I called both PHH Mortgage and XXXX to figure out what document I could provide to help my case. I was able to request a Paid in Full letter from PHH Mortgage which XXXX told me might help better than the screenshots I provided. 

By XX/XX/XXXX I received the documents and scanned them in to open another dispute to finally get this loan off mine and my husband 's credit report so we could move forward with securing a home loan which we have been holding off on doing in order to not run into the same issues as with my husbands auto loan. But on XX/XX/XXXX the results yet again came back as open and in good standing. I called PHH Mortgage but their customer service department was not able to connect me to the people in their credit department and the only response I received through their customer service after they reached out electronically to the credit department is that it takes time. But they did not answer why after I had disputed the account with documentation provided by PHH Mortgage was that department still telling XXXX the account is open when it so clearly is not. I expressed wanting to speak with a supervisor to escalate my complaint and after being on hold for almost XXXX mins I was hung up on. 

I feel that this is my only option to be able to get this issue corrected so that my family can finally move forward with securing a loan and a new home for us to live. With the state of the house marketing the longer we are forced to wait the worse our chances are as things become more and more expensive. I don't understand how a company who I no longer do business with has the power to hold me back from being able to find a home for my family but evidently it does. I really hope the CFPB can do something to help us. 

Thank you,

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
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:
CAPITAL ONE AUTO HAVE LATE PAYEMENTS AND I HAVE AUTOMATIC PAYMENTS. THEY MADE A MISTAKE NOT ME. I M NOT A CITIZEN I WOULD NEVER RUIN MY CREDIT. THEY IGNORE ME THEY ACT LIKE THEY CANT UNDERSTAND MY LANGUAUGE I SPEAK XXXX AND I USE A DICTIONARY TO WRITE. I NEED THEM TO STOP PAYING WITH ME XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX red_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX red_status red_status red_status red_status red_status red_status red_status red_status green_status green_status green_status green_status XXXX green_status red_status green_status red_status red_status red_status red_status red_status red_status red_status red_status red_status XXXX no_info_status no_info_status green_status green_status green_status green_status green_status red_status red_status green_status green_statu

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Per attached letters from XXXX my account was only one time XXXX late and XXXX XXXX was open from XX/XX/XXXX to XX/XX/XXXX. Per the attached credit report neither of these accounts are reporting as their letters state.

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 2020-03-06
Company: CITIBANK, N.A.
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
Concerns my Macy Card, through the Department Stores National Bank in XXXX Ohio. 

I paid off my balance in full on time in XXXX - {$58.00} My XXXX statement says I owe a {$2.00} fee. The statement says that I do not owe any interest. 

I contacted the bank and the automated person referred to it as interest and automatically removed it before I even talked to a person live. 

The statement says that " We will not charge you any interest on purchases if you pay your New Balance by the payment due date each month '' There is nothing on the statement about any {$2.00} fee. 

I talked to a live person to cancel my card. Her verified that my last payment was on time, and said the {$2.00} charge, which he referred to as an interest, was the result of " computer error '' I wonder how many people pay this fee and how often the company refunds the money given that it is their error and they know it. My sense tells me that a ) alot of people, and b ) never. 

These guys need someone to look into their apparent fraudulent practices.

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 2017-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
In XX/XX/2008, my wife and I purchased a new home. We got a 5/1 ARM from ING. WHat made this mortgage unique, was that it had a rate renewal program attached. The way the rate renewal program worked is that if at any time over the course of the mortgage we wanted to lock in the current rate for another 5 years, rather than refinancing our mortgage, for a fee equivalent to our currently monthly mortgage payment, we could " renew '' our interest rate to the new rate for 5 years, and in exchange we would have a 1 yr pre payment penalty from the time we locked in the new rate. 

So for instance lets say when we first got our mortgage we were paying 5.25 %, and our monthly payment was {$1000.00}. And then in year 2, we saw that ING was advertising their 5/1 ARMS at 4.5 %. For {$1000.00} fee, we could switch from paying a 5,25 % fee for the next 3 years, to paying 4.5 % for the next 5 years. This way we could avoid all of the other associated refinancing costs, and if we had 28 years left to our mortgage, we 'd still have 28 years left. 

ING was purchased by Capital One. Recently we saw Capital One advertising their 5/1 ARMS refinance rates at 3.5 % We wanted to renew our rate at that 3.5 %. But when we went to renew, they said our rate would be 3.75 %. We asked why. 3.5 % was clearly the advertised rate. In fact they said if we wanted to go through the entire refinance process, we could get the 3.5 % rate as advertised. Their response was that they had a separate rate they were using for the rate renewal, and the available rate is only available when you log into your account. 

I tried to explain to them that by only offering a rate that was .25 % greater than thier advertised rate, they were effectively charging me an additional fee. As part of the rate renewal program, the only fee I should have to pay, is XXXX month 's mortgage which for me is about {$800.00}. The difference between paying 3.5 % over 5 years or 3.75 % over 5 years would be an additional {$2000.00}. Using their logic that they could have a separate rate for people in the rate renewal program ( this program is no longer offered ), they could effectively make the rate so high, that no one could ever use that option. 

I signed up for this mortgage, because I never wanted to have to pay refinance fees again, or go through all the paper work. When ING was still around, I never had a problem getting the advertised rate. Capital One bought ING, they bought the mortgages, and they should be required to honor all of the provisions.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-15
Company: Experian Information Solutions Inc.
State: AK
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:
In accordance with the Fair Credit Reporting act XXXX XXXX XXXX XXXX XXXX XXXX XXXX,, has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions.

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 2022-07-11
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX now.with no help.

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 2017-03-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Arbitration

Complaint:
Capital One violated California Civil Code Section 1747.85 by cancelling my credit card without first giving 30 days ' written notice of its intention to do so. 

Capital One is blocking any finding of its accountability under the cited law by refusing and/or failing to provide information on a consumer 's recourse, specifically whether they consent to consumer arbitration as a method of resolution. By refusing/failing to provide such they are thwarting my and other consumer 's rights to fairness and accountability. 

I have tried to ascertain the information on consumer recourse by directly calling the bank and discussing the issue with a representative of the Capital One executive team, speaking to a consumer rights attorney, and by analyzing the card member agreement. All such investigations did not yield an answer as to a consumer 's recourse against Capital One for an alleged violation of the law by Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-26
Company: Millco Management
State: GA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
Company is in violation of multiple offenses under the Fair Debt Collection Practices Act. 
Company violated my consumer rights by exposing medical information. 
Company has committed identity theft by purchasing my information without my consent. 
Company is in violation of assigning an attorney to collect a debt from me XX/XX/2021 {$1100.00} XX/XX/2021 {$58.00}

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Other

Complaint:
My husband and I are buying a home and the lender indicated to us that a dispute came up on my credit report with a credit card company. I the credit card company and they said that they did have a record that showed there was a dispute many years ago, but that it was from so long ago they could n't give me any information other than it had since been resolved. The rep I spoke with said that they would contact the XXXX bredit bureaus that they work with to ask that the dispute be removed from my report. The rep said it could take up to 90 days to resolve, which is not a timely fashion when purchasing a home. Given that the dispute was so long ago it is strange that this was never done before- I certainly did n't know it was my responsibility to make that request. I thought after I had paid the card off and closed the account it was over. ( I knew my score could be affected for up to 6 years, but it has been over that period of time and I never followed up. ) I think it is important for consumers to make sure they follow up because it is evident the system of reporting/resolving is not efficient or necessarily accurate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-06
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
I have a pair of CDs issued by XXXX XXXX XXXX, XXXX. - Pennsylvania in XXXX and both reach maturity in XXXX with a combined value of {$6400.00}. 

https : XXXX shows the acquisition of XXXX XXXX XXXX  XXXX XXXX. ending with Well Fargo Bank. 

Wells Fargo had me speak to at least six representatives in succession resulting in a case ID & case manager to find these CDs in their database. It took asking for a manager in all conversations that led up to a case being assigned. 

The Wells Fargo contact that handled the case only communicates by phone or by fax. No Email! 

After providing an image of the CDs and speaking with the rep at Wells Fargo I was told they reached a dead end. 

Worth noting, these CDs were purchased by my father and have been in an envelope from XXXX XXXX XXXX, XXXX. since the day they were purcahsed. This envelope is bank stationary from XXXX XXXX XXXX, XXXX. - Pennsylvania at XXXX XXXX XXXX XXXX, XXXX, PA - - - and Wells Fargo Currently operates a branch at this same address. 

My brother and I a equal co-executors for my parents estate and can provide death certificates as well as a State/County " short form '' proving their in no dispute of our parents will. We can provide additional documentation as required.

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 2016-04-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
I 'm having a problem with capital one bank they are supposedly to be doing a fraud investigation on XXXX of my accounts and yet it 's been almost a month and no one is giving me updates about my accounts and each time I call them they give me the run around on my account status and not giving me a straight answer plus on top of that I tried to open another account in the same bank and they are holding my tax refund check which is not related to my XXXX accounts that they are investigating. This is the XXXX bank that is just putting me in debt. I just assume they are doing some wrong like with XXXX the XXXX bank I had done business before and now capital one. So can you please resolve this for me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CCS Financial Services, Inc.
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 resulted from identity theft

Complaint:
In 2009 whilst away at school my name was used to open a utility account with XXXX. this account was opened fraudulently without my consent or authorization. 
I have not or did not give permission to any person to use my confidential information to open an contract or for me to be included me on any application for service with XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation