BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-11-13
Company: Bridgecrest Acceptance Corporation
State: DE
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:
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 XXXX l ) to extend credit with Bridgecrest to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Bridgecrest has engaged in extortion and racketeering activity defined under Title 18 Chapter 42. Bridgecrest has violated my consumer rights : XXXX15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction XXXX15 USC 1601 ( a ) : XXXX makes it clear that consumer credit would be strengthen by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880 -15 USC 6802 ( b ) ( XXXX ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated XXXX  parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( XXXX ) ( C ). 
-15 USC 1666 ( a ) ( XXXX ) I am aware that all extensions of credit are tied to my social security card and that the XXXX XXXX is obligated to all debts under 18 USC 8. Bridgecrest has illegally repossessed my vehicle to cause harm. They have also reported late payments to my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( XXXX ) documentary evidence under 15 USC 44 includes books of account.

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 2015-08-21
Company: Northwestern Mediation Services
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Improper contact or sharing of info
Sub-issue: Contacted employer after asked not to

Complaint:
The collection company keeps calling my work talking to my school secretary. They called me, my daughter and my sister. The message they tell them all is that they are preparing a deposition aginst me for legal action for attorney record and civil complaint in accordance with Texas law. They say they are from North Western Mediation.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Billing disputes

Complaint:
Complaint against Capital One XXXXXXXX XXXX XXXX XXXX, UT XXXXAccount XXXXCase # XXXXI am writing file a complaint against Capital One XXXX for recharging me for an item that I had bought on XXXX from an individual XXXX XXXX on XXXX. The item was not delivered on time and the item was not what I had ordered. I sent an email to the merchant through XXXX but I got no response. Because of this, I contacted Capital One and disputed the charges of XXXX. I also returned the item by USPS certified mail XXXX XXXX XXXX XXXX XXXX on XXXX. I sent in this information to Capital One on the form they had sent me on XXXX. Unfortunately, Capital One ignored this information and is rebilling my account. I would like Capital One to refund my money as I have returned the item and provided the information they had sent me in the form provided to me. Please see copies of the documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: LEXISNEXIS
State: IL
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:
The is my 4th attempt to get answers. XXXX has responded with documentation stating that have verified a Bankrupt with LexisNexis on XX/XX/2022, XX/XX/2022, XX/XX/2022 and XX/XX/2022. I perviously reached out to LexisNexis about this matter which on XXXX, XXXXXXXX XXXX LexisNexis responded with a letter stating they have removed Bankruptcy from its file. So my question to LexisNexis is have you continued to verify this Bankruptcy after XXXX, XXXX XXXX to XXXX if so what verification method was used! please respond on this plate form!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: Specialized Loan Servicing Holdings LLC
State: GA
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Closing on a mortgage

Complaint:
Notice to Principal is Notice to Agent, Notice to Agent is Notice to Principal and I am that I am, the consumer in fact, natural person, original creditor, lender, executor, administrator, holder of due course for any and all derivatives thereof for the surname/given name ; XXXX XXXX XXXX and I have been appointed and accept being the executor both public and private for all matters proceeding, and I hereby claim that I will d/b/a XXXX XXXX and autograph as the agent attorney in fact, so be it ; As the natural man the company did not meet the following conditions of a lawful binding contract : 1. " EQUAL CONSIDERATION '' NO VALUE WAS BROUGHT TO THE TABLE TO JUSTIFY THE BANK HAVING SOMETHING TO LOSE.

2. " LAWFUL TERM AND CONDITIONS '', MY TERMS WERE BASED ON FRAUD.

3. WET INK SIGNATURE OF BOTH PARTIES. CORPORATIONS CAN'T SIGN BECAUSE THEY HAVE NO " RIGHT '' OR " MIND '' TO CONTRACT SINCE THEY ARE SOUL'LESS LEGAL FICTIONS ; AND FURTHERMORE, NO THRID PARTY CAN SIGN A CONTRACT ON THEIR BEHALF.

4. FULL DISCLOSURE ( I WAS NOT TOLD I WAS CREATING THE CREDIT WITH MY WET INK SIGNATURE ) ALL OF MY RIGHTS ARE RESERVED WITHOUT PREJUDICE.

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 2015-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
I brought some building materials to build my patio from XXXX. They did n't deliver all my materials. I called the merchant and let them know and they said they were aware of it and going to credit it back to my credit card. I waited and waited but it never happen. I took action with my credit card company, capital one. First letter then asked for second opinion letter from a XXXX party. I provided it. Still nothing happen. Second letter they again asked for a letter stating that I never received the merchandise. Ok did that and sent it. Third letter out of nowhere they said that the case has been closed. Saying that I did n't provide proof of return of merchandise. Which I never dispute for returning anything. I was disputing that I never received all my merchandise. I know they are siding on the merchant which is very frustrating and nothing I can do about it. Its not a small amount that 's why I do n't want to lose out on it. Its XXXX worth of stuff. I keep asking them to let me speak to a manager or higher level assistance but they said I need to be on waiting list for about 2 weeks. Capital one disputing process is like a joke they are just trying to play with you. Trying to make you pass the deadline so they can close the case.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a credit balance of nearly {$2000.00} on my Capital One credit card. I have repeatedly demanded that Capital One close my account and mail the credit balance to me but they refuse. Capital one keeps holding on to my credit balance. By law they are supposed to refund me when I ask.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-18
Company: First Data Corporation
State: IN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I requested to have my account closed and funds returned to me via papercheck several months ago because I do n't use this prepaid card and lost it. Each month they continue to charge me a XXXX paper statement fee and XXXX for account maintainence fee. I 'm still have not received my money. Each time I call it takes XXXX minutes to talk to anyone. I finally waited the XXXX minutes in XXXX XXXX to get a live person. They told me they never received my request, that it was my responsibility to make sure they do their job ( please listen to that call, that statement was actually made ) and that not only do I have to resubmit my request in writing once again, but there was no guarantee that they would reimburse me for the fees. It was up to their " back office '' discretion. This company makes it all but impossible to deal with, in the meantime they keep my money hostage and deduct fees every month. They are unethical and I 'm sure they are taking advantage of thousands of kids just like me.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I HAVE PUT XXXX EXTENDED FRAUD ALERTS ON MY XXXX ACCT, ALONG XXXX XXXX XXXX DIGIT SECURITY CODES. NO ONE EVER REQUEST THE CODES IN THE FIRST PLACE. IVE DISPUTED INCORRECT INFORMATION ON THE REPORT MULTIPLE TIMES, YET THE INFORMATION IS STILL SHOWING. AFTER SPEAKING TO CUSTOMER SERVICE, I WAS TOLD THE INQUIREES DIDNT MATTER B/C THEY WERE ONLYM SOFT INQUIREES! THEY ARE REGUALAR INQUIREES AS WELL AS ACCOUNTS THAT HAVE BEEN OPENED AND CHARGED WITHOUT MY KNOWLEDGE. I WAS TOLD BY SOCIAL Security, to be issued a new number, I would need all three bureaus to sign off saying the problem was irreparable. Its obviously irreparable because all I've been able to do since 2020 is dispute items that aren't mine on my credit. Regular inquiries, soft inquiries, ect... If I ever were to obtain any credit Im sure whomever is checking it on every other day basis thru XXXX XXXX XXXX XXXX XXXX would know long before I would and most surely open an account with it.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-07
Company: CCS Financial Services, Inc.
State: NJ
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:
I initially received a collections notice from Credit Collections Services ( CCS ) several months ago relating to an overdue balance from XXXX XXXX. I confirmed with XXXX that the balance was incorrect and in fact I had a XXXX $ balance. This was confirmed with multiple call with XXXX at the XXXX Executive headquarters ( ph : XXXX ). I informed the CCS caller multiple times what I had confirmed with XXXX and attempted to provide the number of XXXX. CCS attempted to still pressure me into paying over the phone even after I advised them of this. They informed me there was nothing that can be done about the debt or than get paid since it was submitted to them even though I confirmed it was incorrect.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-17
Company: CITIBANK, N.A.
State: CT
Product: Credit card
Issue: Billing statement

Complaint:
As of this date XXXX/XXXX/XXXX, Sears credit card has not sent me a bill in the mail and I am concerned that they are with holding so they can charge a late fee. This is a reoccurring issues with this company. They processed and cashed my check last month on XXXX/XXXX/XXXX but sent that bill out in a timely fashion only because of my filing with your organization. Again, they have yet to send out a XXXX XXXX bill. In my observation over the years, this company is quite deceptive seeks to collect late fees when in fact the consumer is not mailed a monthly bill in a timely fashion.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
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:
I have taken a look at my credit report which has caused some confusion. I used my social security number/card defined under 15 USC 1602 ( l ) to extend credit with Capital One Auto Finance to obtain a vehicle. I am a natural person, a federally protected consumer, and the original creditor defined under 15 USC 1602 ( g ). The vehicle which is subject to the transaction was used primarily for personal, family and household purposes. Capital One Auto Finance has engaged in extortion and racketeering activity defined under XXXX XXXX Chapter XXXX. Capital One Auto Finance has violated my consumer rights : -15 USC 1602 ( k ) : I was not informed on the cost of credit. I never received written adequate notice that sets for the pertinent facts for this consumer credit transaction -15 USC 1601 ( a ) : Congress makes it clear that consumer credit would be strengthen by the informed use of credit. The only decision I was given after the consummation of the transaction was to make payments without penalty which is a violation of 18 USC 880 -15 USC 6802 ( b ) ( 1 ) ( B ) : I, the consumer, have never been given the opportunity to direct that my nonpublic personal information should not be disclosed to nonaffiliated third parties such as XXXX, XXXX and XXXX. Nor was I given an explanation on how to exercise the nondisclosure option which is a violation of 15 USC 6802 ( b ) ( 1 ) ( C ). 
-15 USC 1681a ( d ) ( 2 ) ( i ) : the term consumer report does not include a report containing information solely as to transactions or experiences which means late payments should not be furnished on my consumer report -15 USC 1666 ( a ) ( 2 ) I am aware that all extensions of credit are tied to my social security card and that the United States is obligated to all debts under 18 USC 8. Capital One Auto Finance has caused harm by reporting inaccurate information on my consumer report. I am requesting additional clarification in regards to the billing errors under code 15 USC 1666 ( b ) ( 2 ) documentary evidence under 15 USC 44 includes books of account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-08
Company: CITIBANK, N.A.
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
For the last 6- 8 months I have struggled with Bloomingdale 's credit card online system to access my account. They created a new system that locked me out of my account for around 6 weeks and I received late fees as a result. After submitting a complaint a few months later prior to me barely using the card, only to buy something in XXXX of their stores, my number was stolen and fraudulent charges was put on my account in XXXX. I was notified and they cancelled the card. The cancellation of the card / account stopped me from accessing my account until today, sending me XXXX replacement cards and opening a fraud investigation they never provided me with the statement that were need to complete the investigations. While I have been locked out with no access to statements, they continued to take automatic payments from my checking account on the fraudulent charges and not giving me the ability to cancel the automatic payments or refunding me the money. I was told no moneys will be refunded until the investigation was completed, there is also no documentation of the automatic payment made on the fraudulent charge except on my bank statement. I am beyond disgusted that they have continued to deny me my basic rights to my account and have continued to hold my money hostage under the circumstance.

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 2015-10-13
Company: REGIONS FINANCIAL CORPORATION
State: FL
Product: Other financial service
Sub-product: Refund anticipation check
Issue: Lost or stolen check

Complaint:
Reference Case # XXXX The XXXX money orders that were trace by XXXX XXXX were not added to the total amount paid. I sent documentation to this office and to Regions when i returned the {$30.00} check they sent me because the owe me $ XXXX. I know this office received my corresponding as well as Region. I did n't know how to add on the the case so I am submitting it this way. I need my money or the accounts forced open. In either case someone need to contact me. The list of money orders they applied neither is for {$75.00} or {$30.00}.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Debt was reinserted on my credit reports without sending my 5 day notice

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: AFNI INC.
State: ME
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:
The IRS reported my info hacked in XXXX. 
I looked at my credit report on XXXX and saw a collection notice for a XXXX account I never had. I disputed it and it was removed. 
Now I have received a letter and phone calls from this outfit Afni, Inc. of XXXX, IL. Evidently this is the standard operation from the number of complaints I quickly found.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In XX/XX/2021, I was prequalified for a loan by XXXX XXXX of Bank of America in XXXX, AZ. Her NMLS ID is XXXX. I also was told I qualified for a downpayment assistance grant. On XX/XX/2021, I made an offer on a home and it was accepted. I paid an earnest money deposit of {$3000.00} and was told my closing date would be XX/XX/2021. For two weeks, I had not heard from XXXX or Bank of America regarding a time for the closing. I called, but XXXX never returned my calls. On XX/XX/2021, I was informed that the closing had to be pushed back because the underwriter wanted me to do another income driven repayment plan. I informed them about the moratorium on loan payments, but they insisted I needed an up to date plan. This decision made my student loan payments increase by {$200.00}. After I submitted the new plan, I was told the new closing would be XX/XX/2021. Once again, the day before closing, I was told I needed to submit additional information such as bank statements, etc. I submitted the information and was then told I no longer qualified for the grant program and I would have to pay 5 % down. I agreed, but the came back again stating I needed ANOTHER student loan repayment plan on XX/XX/2021 at the close of the business day. This made it impossible for me get the information because it was the XXXX XXXX XXXX weekend. 

There was a complete lack of communication by Bank of America. If I called, no one answered and I was called at the end of the business day each time documents were requested. The process was meant for me to fail and discriminatory.

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 2021-07-28
Company: World Acceptance Corporation
State: TX
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 requested validation of a public record from all 3 credit bureaus this inaccurate information id detrimental to my living status enabling me to obtain proper shelter.. XXXX conducted proper investigation and removed the public inquiry but XXXX and XXXX have not I have also contacted to court to see how vaildate this public record and they indicated they do not. I allotted time to complete investigation but my life is taken drastic hit from the inaccurate public record

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: AMA Advisors, LLC.
State: VA
Product: Debt collection
Sub-product: Mortgage
Issue: Improper contact or sharing of info
Sub-issue: Contacted me instead of my attorney

Complaint:
Despite previous requests that mortgage servicer not contact me at work and the mortgage servicer having my personal phone number, Homebridge Financial Services has continued to contact me at work including leaving a voice message in my employer 's general voicemail.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-26
Company: ARVEST BANK GROUP, INC.
State: MD
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I XXXX XXXX XXXX state for the record that I am being discriminated against by the mortgage servicer of my mortgage Central Mortgage Company, whereas they have refused to acknowledge a full modification package submitted through a third party XXXX XXXX, XXXX. I have been harassed with threatening calls during the modification process directly from the mortgage servicer. No communication has been extended to any additional documentation necessary to complete my modification. I simply request a restart of the 120 day timeline where Central Mortgage Company must cease and desist on sending any threatening notices while the modification is being completed. The Fair Debt Collection Practices Act has been amended to give consumers rights during a modification process. My rights are being violated. I am a veteran XXXX. I demand a full review of my rights violations by Central Mortgage Company immediately.

Company response to consumer: Closed with explanation