BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Late fee

Complaint:
I have a Department Store Credit Card. 
The " due date '' on my card is the XXXX of the month. 
I missed my payment by 4 days and made an in-store payment ( more than the Minimum amount ) on XX/XX/XXXX, 4 days late. 
The statement closed on XX/XX/XXXX, 2 days later. 
On my statement, I was charge a {$25.00} late fee and a 0.12 " interest '' penalty on the late fee. 
I then proceeded to pay my Balance " in full '' and a portion of the Late Fee. 
But, I was still charged an interest on the Late Fee. 
I requested a courtesy Refund of the Late Fee plus interest. They agreed to it. 
However, why is there no regulation preventing a Bank from charging interest on a Fee " during '' the month that the Fee is incurred, before the consumer is even aware of it? When I asked the Credit Manager why do they do it? He just said, because there is no regulation that says they ca n't. That just does n't seem fair.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-26
Company: Ocwen Financial Corporation
State: OH
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I made my mortgage payment to Ocwen on XXXX XXXX, 2015, early as I do each month. When logging onto their website to pay the XX/XX/XXXX payment I observed that it was passed due. I immediately paid the full amount due. When asking that a late fee of {$23.00} be removed the call center rep stated since the mortgage payment had never been late he would " permit me to speak with his supervisor. '' Although I provided proof that the loan had been paid on their website the supervisor refused to waive the fee. I then advised her she was to cancel my pending payments. They did n't care that they payment not posting was their fault.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: EQUIFAX, INC.
State: GA
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:
XXXX XXXX acct # XXXX {$7600.00} ; XXXX XXXX XXXX  XXXX acct # XXXX formerly XXXX XXXX acct # XXXX {$2100.00}, illegally pulled my credit report on XX/XX/XXXX, with my signature or the fact that I applied for a loan with their company ; XXXX XXXX acct XXXX XXXX sold to XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$3400.00} ; XXXX acct # XXXX {$170.00} ; XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX acct XXXX XXXX {$1800.00} ; XXXX XXXX XXXXXXXX XXXX acct # XXXX {$3800.00} ; {$25000.00} ; {$13000.00} ; {$9500.00} ; {$4800.00} ; {$9100.00} ; {$2800.00} ; {$5000.00} ; {$240.00} ; {$5700.00} ; {$2700.00} ; {$25000.00} ; {$24000.00}. After submitting my complaint with CFPB, on XX/XX/XXXX, XX/XX/XXXX, and XX/XX/XXXX submitted they deleted these accounts. I have provided police reports, proof of identification, proof of address, and copies of credit reports showing that these accounts were deleted. Every 30 days they allow these companies to return under a different company, account number, with the same information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-03
Company: Ocwen Financial Corporation
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
my first loan was Indy/mac XXXX. Then it went to XXXX XXXX which was a loan modification company. Then it was transferred to XXXX another loan modification company. I was paying XXXX dollars a month. In XXXX XXXX I had XXXX XXXX XXXX and had to stop work for nine months but I was making my XXXX dollar payments to nationwide. In XX/XX/XXXX IndyMac /XXXX sent a letter stating I was to pay XXXX in three payments for taxes on the property which I paid and then gave them another XXXX check toward the past-due loan which came my father 's estate upon his death. Then in XXXX I had XXXX from XXXX and was out of work. I then retired XX/XX/XXXX. I was still paying the loan modification company. During this time my wife left and now I 'm divorced. I am also dealing with the VA over the XXXX XXXX that prompted the XXXX XXXX. Next thing I knew I was dealing with OCWEN which is the bank that IndyMac/XXXX transferred my original loan to OCWEN had sent me loan modification papers that required filled out over and over again .One major thing they messed up on was the property address which was different from mailing address. There are XXXX XXXX XXXX XXXX. XXXX is XXXX XXXX and XXXX XXXX which was in the low income area. They continually used the XXXX XXXX as the property address. They had pictures of the wrong house. This went on for months. It seemed like they were stalling toward resolution. When they finally came to a resolution, they wanted me to pay {$280000.00} the loan # XXXX. The amount left on loan before all this started was {$180000.00}. I have been trying to settle this and it has dragged out 24 months. I 'm now dealing with XXXX XXXX Cause I filed a complaint against XXXX for Quiet Title I am the Plaintiff in XXXX County Supreme court index # XXXX well Eyes were raised and OCWEN still wo n't deal I offered to a loan Mod of XXXX at 2 % for 30 years I have not heard maybe you can shake them up cause I do n't get answered. XXXX as far as me, I am A XXXX vet with XXXX and they messed up my credit and I 'm not stopping till OCWEN is stopped the house is worth XXXX and I 've got XXXX in pension money before I retired. I stating this is all true against OCWEN and XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I have a CapitalOne XXXX Credit Card. I have had the credit card account for 11 years. I have never been late on the account and payoff the balance each months. I use the account frequently because of the cash back feature. I recently requested a credit line increase and was notified that the request was denied based on " Your financial obligations reported to us by the credit reporting agency are too high ''. I contacted CapitalOne at their customer service number and the agent told me that she could not provided any additional information on the denial. I asked her who could and she said she could transfer me to a supervisor which I requested she do. She transferred the call to XXXX XXXX ID # XXXX. I spoke to XXXX and he told me that the decision was based on the credit bureau and could not provide me with any additional information. I asked to talk to someone who could provide additional information and he informed me that he was as high as I could go as far as speaking with someone. I asked to speak to someone in their compliance/complaint department and he said that was not possible. He said he would make notes of our conversation and they would be reviewed. He reiterated that the decision was based on the credit bureau. Having credit underwriting experience, I told him that the decision is made by the credit grantor and all the credit bureau did was report a personal credit history and outstanding debt. I said I wanted to talk to someone and have the opportunity to provide detailed income and asset information. He said that was not possible unless CapitalOne requested it from me. I feel that I 'm being discriminated for a credit line increase because I pay my account in full each month and CapitalOne has never made any interest income from me. In addition they have paid several hundred dollars in cash back rebates to me over the years.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-29
Company: HW Holding, Inc
State: TX
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:
As of XX/XX/XXXX, Collection agency HUNTER WARFIELD has again reported a collection that, XX/XX/XXXX, was reported to the Consumer Financial Protection Bureau. The collection account was subsequently deleted by all three credit reporting agencies due to my complaints of HUNTER WARFIELD/JEFFERSON XXXX never providing the requested proof of the debt, as well as adding interest to the debt without a judgment as required per the original agreement. I have attached the CFPB summary of the original dispute and action taken.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX XXXX I deposited a XXXX $ check through the ATM. On XXXX XXXX my bank froze my accounts. Claiming they were just trying to verify the funds on the check. I asked why my accounts were frozen. They couldnt speak to that matter. Claiming they shouldnt of been they were just trying to verify the check and they cant unfreeze my account. I called later that afternoon and spoke to the fraud dept once again. This time the representitave said that my account was frozen due to supsicious activity on my end. I then revieved a phone call from the branch claiming thats not true and that it is due the check and verification of funds.On XXXX XXXX my acct was still frozen and noone has any answers for me. Except the individual who wrote me the check. He supplied a photograph showing the check cleared and everything ok on his end. As of tues XXXX XXXX. My bank will not unfreeze my account. And noone has a answer and will not tell me anything. Especially since I have showed proof of the check being cleared. I have had deposits get rejected in light of this. and it has put me behind in rent and my business in jeopardy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-07
Company: Byrider Franchising, LLC
State: WV
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Shopping for a loan or lease

Complaint:
I needed to buy a car and went to JD Byrider in XXXX WV. They say they do not do a credit check and they do not base their decision on my credit but they did. I checked my credit report and they did an inquiry on my credit. The sign out front said no credit check. I did not get a loan through them but they are false advertising I feel.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-15
Company: HW Holding, Inc
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Contacted XXXX time on XXXX/XXXX/16 regarding a debt for {$800.00}. I spoke with the collector telling him I was unemployed, but would try to set up a payment plan when I get some income. He said he would note the account. XXXX/XXXX/16 I was contacted again by the collection agency telling me that I had a debt and it needed to be paid. I told this collector that I had already spoke to another guy at his company and if he would have read the notes he would have seen that I said I 'd call back whenever I was able to pay them and I instructed him to not contact me again. He was very rude telling me i needed to explain my situation to him and i again told him that it was in my account notes in their system. He said let me give you a number where you can call us back, and I said no thank you I will look the number up when I call back. XXXX/XXXX/16 I received another phone call from a collector regarding this same debt that I had already told them to not call me back. I am being harassed over this debt when I have no possible way to pay it at this time.The XXXX collector I spoke with was very nice and understanding, they just keep calling me. I know my rights and the laws and they are violating them. 

Hunter Warfield Collections XXXX, Florida

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Capital One sent a pre-approved credit card mail notification to the an address I have never lived at ever and to address to a name that is not accurate for me. 
This letter could have started fraud and identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
I did n't receive a paper copy statement for my Capitol One credit card for the month of XX/XX/XXXX with a payment due on XX/XX/2016, so I called on XX/XX/XXXX to request a copy and spoke to a supervisor ( XXXX - ID # XXXX ). I was informed by another Capitol One customer service agent on XX/XX/2016 that this request for a paper copy was not processed, stating in the notes that I did n't verify my address ( when I was never asked for it ). I paid the amount in full before the due date, but Capitol One NEVER provided me with a paper copy, stating that the XXXX might have lost it. I believe the statement was purposefully never provided in hopes that I would miss the due date and have to pay late fees.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Client filed bankruptcy in XXXX. A Home Equity Line of Credit was sold from ING to Capital One 360 after the bankruptcy. Since that time, the borrowers reinstated the loan with MAP funds through the NYS AG 's office and XXXX. It was confirmed via email on XXXX/XXXX/XXXX via ( attached email ) with XXXX XXXX at the XXXX that the payment after reinstatement would be $ XXXX/per month. In a conversation on XXXX/XXXX/XXXX, after reinstatement funds were sent to Capital One 360, it was confirmed that the loan was current, but the payment would be {$160.00} each month, contrary to what we were told prior to reinstatement. On XXXX/XXXX/XXXX, the borrower contacted Capital One 360 to simply request a mortgage statement each month showing payments made and principal reducing with payments, as the borrowers have not received consistent statements since the transfer. The representative first said that the loan was still in Foreclosure and not current, but rescinded that comment. They also stated that, because of the bankruptcy, they can not " guarantee '' monthly statements will be sent to the borrower.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-12
Company: Experian Information Solutions Inc.
State: ID
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Investigation took too long

Complaint:
After sending dispute letter in XX/XX/XXXX via certified mail to Experian regarding incorrect accounts and requesting validation I received a printout that stated they were verified. I requested a reinvestigation containing method of validation and account history including original signature in XX/XX/XXXX and still have not heard back. I tried to access my free credit report and Experian kept showing their website as having tech problems but when my prospective property manager requested access that I had to pay for then all of a sudden my report and score were quickly available. Upon reviewing the report I paid for and sent to property manager I see that every account that I requested reinvestigation was exactly the same as first request. There was no reinvestigation and I received no further information and Experian made it very difficult to get access to my credit 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
Consumer complaint received 2015-12-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Overlimit fee

Complaint:
My Capital One credit card was written off XX/XX/XXXX. The debt was sold to a bill collector. The bill collector ( XXXX ) says they are Collecting for Capital One. I just verified this statement with one of XXXX agents over the phone on XX/XX/XXXX. I have been paying on this account to XXXX for over 4 years. On my credit reports the capital one bill decreases with payments made to XXXX. Also, the account with Capital One EXCEEDED the credit card limit due to OVER the LIMIT FEES. I never signed anything agreeing to go beyond the credit limit due to them adding OVER THE LIMIT FEES. I want to see my signature agreeing to OVER the LIMIT fees. Is n't it criminal to set a credit limit for me then charge me more, because your over the limit fees, place me over the limit more??. Even though Capital One wrote this off in XX/XX/XXXX, they have still been collecting money on this account as late as XX/XX/XXXX. If you look at the decreasing balance on my credit reports for capital one this is evident.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
I would like to file a complaint with Consumer Finance department. Capital One is calling anyone they can search who has the same last name as me and they are letting family members know that there is an urgent matter in this call and they need to reach me. I have handled my credit issues with them and they still wo n't stop calling my family who I have not listed on my credit application years ago. 

I learned this is called skip tracing and is illegal. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX agreed to remove the debt and I sent the check they cashed which stated in the memo that the debt was settled and would be removed. Before then I also contacted them stating that the date of delinquency from the credit card company was to be used according to the FCRA. They continue to use the date they received the account and continue to state that I owe the debt even thought they cashed the check. They did not try and contact me about the debt for six months until I disputed it on my credit file. I received a letter from XXXX stating the debt was too old to file a claim in civil court amd thus they would not be perusing. I also had to explain and notified them in writing that all communication would be written that no more calls would be accepted and would be considered harassment. In settling the debt they refused to send out the settlement agreement until I paid the portion we agreed. In a similiar situation this had happened and they tried collecting after we settled and refused to remove the debt. This time I put it on the check and refused to have them do an electronic check since last time they did not remove the debt and stated I had no proof of such.I also expressed that they had the wrong dates for the account and were not following the FCRA on the date of first delinquency.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
My auto loan with Capital One Auto Finance was Charged Off effective XXXX XXXX, 2015. This Adverse Action was taken without the creditor providing me any written correspondence of the my auto loan delinquency status. Although, I 've requested that Capital One Auto Finance communicate my auto loan details via postal mail. 

The reason I had to request written communication in lieu of phone contact is due to their aggressive and harassing collection practices. There were several phone interactions that I would have with their representative, after we 've made an agreement for payment at a future date. 

Their representative would call me within a week prior to my promise date ; several times daily, and demand payment in lieu of our payment plan. I 'd inquire if my account was notated with the promise for payment. They would give me inconsistent responses, either our arrangement was notated on my account and/or it was n't on file. 

This miscommunication happened several times, and several times I 'd escalate the call to a Supervisory or Management level. I would explain my discontent with their untimely collection practices for payment prior to our agreed upon promise date for payment. I ultimately requested only written correspondence per my auto loan details. 
Please note that my Charged Off auto loan affects my ability to obtain employment with a prospective employer. An new hire opportunity for myself is contingent upon resolution of the Charged Off loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-19
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: Information belongs to someone else

Complaint:
I have disputed this account previously requesting that the collection agency provide proof of identity as this account does not belong to me. XXXX has removed the account but XXXX  and equifax has not. 

XXXX XXXX ( XXXX XXXX XXXX ) XXXX XXXX XXXX ALL 3 accounts was disputed and below is the tracking information. 

Please remove as I have no knowledge of these accounts and the creditors has yet to provide proof! 

Equifax tracking XXXX XXXX XXXX XXXX XXXX XXXX tracking XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-31
Company: Experian Information Solutions Inc.
State: NY
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:
After sending multiple letters to the credit bureaus, I have not received any response from them nor seen any changes from my report. The unauthorized inquiries which I have been disputing still appear on my credit report. This is clearly a violation to the Federal Law. Per FCRA section 605b, the credit bureaus are required to remove/block any information listed on an identity theft report. Please find the required documents to assist in the blocking of the erroneous information which is being posted on my report. 
XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXX/XX/XXXX XXXX XXXX XX/XX/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 2015-07-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I am being harassed while at my place of employment by Capital One Auto Finance regarding a late payment. Several fellow employees have received phone calls from XXXX Representative name XXXX continues calling my employer in spite of being instructed not to contact me here.

Company response to consumer: Closed with explanation