BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-05-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was awarded a settlement against Capital One Auto for an illegal repossession on XXXX XXXX XXXX. It was agreed that I would recover : the car and granted the title, they would remove the negative mark/tradeline from my credit report and I was awarded cash. However, they are now suing me in bankruptcy court in order to take back the car they agreed to give me stating that my account was past due. The court date is scheduled for XXXX XXXX XXXX at XXXX. However, I paid Capital One what was needed to retrieve my car back before it was sold XX/XX/XXXX, afterwards I was given the car back from XXXX XXXX who held the car at the impound lot. Afterwards, I paid Capital One Auto the next scheduled auto payment. Afterwards, Capital One disbarred me from accessing my online account via the XXXX. I informed my consumer justice attorney and previous bankruptcy attorney that I was having trouble making payments to Capital One Auto. I was told that because I filed bankruptcy that I could n't make payments to Capital One Auto until after the bankruptcy was discharged, even though I wanted to keep the car. I was also told that because I have a pending lawsuit against Capital One Auto for the vehicle that I 'm not supposed to make any payments to Capital One Auto. I contacted XXXX XXXX to handle the illegal repossession in XXXX XXXX and hired XXXX XXXX XXXX XXXX to handle the bankruptcy proceedings. I immediately put the XXXX in touch with each other in XXXX XXXX. I have emails showing that I was contacting both attorneys to make a payment since XXXX XXXX and screenshots of Capital One Auto who removed my account. I informed the bankruptcy attorney that I wanted to reaffirm the car but he stated that Capital One Auto did not want to reaffirm the auto. I was then told by the consumer justice attorney that it was because Capital One Auto would be settling and I would given the car. Now, Capital One XXXX is suing me to recover the auto, which should be dismissed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-24
Company: CITIBANK, N.A.
State: TX
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 submitted the despites with the credit bureaus regarding my Macys account. the account was charged off in XXXX of XXXX the account continues to report as a NEW charge off every month. I called and explained that to both XXXX and Macys. the account should not continue to report every month as a charge-off. It should only report as charged-off in the month that the charge-off actually happened. They have refused to remove the monthly history of the charge off and continue to report every month. I need these deleted from my account. Please 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 2019-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One is refusing to acknowledge a fraud claim I submitted in XX/XX/2019. I reported fraud and they didn't do a full investigation. I received a letter XX/XX/2019 stating there was no indication of fraud. I have reported this matter to the XXXX Police Department and do have a Dc #. I in my sixteen years with Capital One never one have taken a cash advance out, and never will at 27 percent APR. 

I found out after calling Capital one back and speaking to someone I could understand that someone called a asked for a duplicate card ( THIS WAS NOT ME ) on XX/XX/2019 at XXXX to be sent to the billing address ( MY MOTHERS HOME ) The duplicate card was sent Via : XXXX   XXXX Overnight No Signature to the billing address and delivered to the front door on XX/XX/2019 at XXXX. I never ordered this card. Whoever did stole it / intercepted it and went to XXXX XXXX the next day. 

On XX/XX/2019 the thieves went to XXXX XXXX Bank at XXXX and took out a inside cash advance of {$2800.00} dollars. 

I have spoken to Capital One on several occasions and have gotten nowhere. I am waiting to get the police report to send to Capital One in hopes they will open up another investigation. Capital One never asked for Video from XXXX XXXX for the date of the crime ... they do not hear me when I say i was at work with proof I was there on the day and time of the crime. I understand the detective has been unable to get information from Capital One. 

I want to add not only have a been a customer with Capital One for sixteen years. I have never missed a payment on any credit card / car loan / mortgage etc. My credit score is exceptional  along with ever account I have. I would have no need to take a cash advance out at such a high interest rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Aargon Agency, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I sent this company a dispute letter on XX/XX/XXXX with no reply or response in regards to the debt they are inquiring and reporting. They inserted an account on to my credit report on XX/XX/XXXX without validating or verifying any information.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Payday loan
Issue: Received a loan I didn't apply for

Complaint:
I received threatening phone calls from XXXX XXXX XXXX who is representing a client called Gateway. They told me that I owed on a {$300.00} loan back in XXXX 2015. Gateway states they did n't get paid back and they are charging me with fraud and writing a bad check. I do n't even know who these people are. I tried to explain that to XXXX XXXX XXXX and asked for Gateway 's number. They refused to give it to me. They had my SS #, business and personal phone # s but not the correct home address. They were threatening to contact my employer and make a visit to my home. They want to charge me over {$2000.00}. for this " so-called '' loan for {$300.00}. I went through all my bank statements for the year of 2015 and never did I receive {$300.00} in my bank. I asked why I never received any type of correspondence from Gateway. XXXX XXXX ( the debt collector for XXXX ) said that was not her problem and she was turning it over to the courts in XXXX County for lawsuit. Gateway and XXXX owe me an explanation for putting me through this horrible experience. I 'm ready to fight them in court because there is no way I ever dealt with them nor did I receive {$300.00} in my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I settled an old credit card account. We agreed on a payoff amount on certain date. I have the letter stating the agreement. The amount was paid, taken from my checking account on the date agreed upon. 3 months later I am getting calls from other collection agencies trying to get the balance of this same account. I have called the collection agency that I worked with initially and they were supposed to send me letter stating this was paid in settlement agreement. They will not send the document and it is still showing on my credit report as balance owed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
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:
Some how my information was taken during an settlement I won. This company said I owe them never did any business with them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: LOBEL FINANCIAL CORPORATION
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 information incorrect

Complaint:
I leased the vehicule XX/XX/XXXX. Paid monthly on time sometimes even paid more than needed. Unfortaneyly in XX/XX/XXXX i get arressted and go to jail until XXXX the vehicule gets taken while i was in custody.. when i got it and looked it up it shows me that Lobel Financial charged off the account in XX/XX/XXXX and CLOSED THE ACCOUNT in XX/XX/XXXX as well.. They also recieved one last paynent of over {$2000.00} for the vehicule. Now a couple months after that they are continuing to add on $ owed to them and the collection owed amount has continued to rise, regardless of them closing the account and charging it off

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Prosper Marketplace, Inc.
State: AZ
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem when making payments

Complaint:
Hello, I was XXXX XXXX  my job at the end of XXXX and fell behind on my loan with Prosper. I was past due for my XX/XX/XXXX payment which resulted in a late charge and nsf fee also being assessed to my account for an additional {$45.00}. 

I called Prosper today to make a payment by phone. My monthly payment is {$710.00} and I made a payment for {$710.00} with XXXX. After completing the payment of {$710.00}, XXXX, mentioned that my account was still past due for XXXX for the fees and would be reported late to my credit. I explained to her that the payment I made for {$710.00} for the XXXX installment of {$710.00} which should bring my account current and up to date. The fees for {$45.00} can be paid with the next installment due on XX/XX/XXXX. She again reiterated that my account was still past due. I demanded to escalate to a manager. She put me on hold and returned to the call and said that my payment for {$710.00} would be applied to fees first and then the difference would be applied to principle and interest. Working in the XXXX XXXX for over 30 years, I told her that was completely ludicrous and illegal. Again I demanded to speak with a manager. You can not apply a payment to fees before applying to principal and interest. XXXX placed me back on hold while getting her supervisor on the file. While on hold, I immediately begin preparing my complaint with CFPB. 

After a brief hold, XXXX/Supervisor got on the line. I explained to him my conversation with XXXX. He assured me that the payment I made today for {$710.00} will be applied to the XX/XX/XXXX installment and that my account would be brought current through XXXX. He also agreed to waive the additional fees from the account as a 1 time courtesy and stated he would go back and listen to the call and provide XXXX with additional training/coaching since she provided incorrect information. 

What was intended for a complaint, has now been resolved and I would like to say thanks to XXXX for going above and beyond and providing excellent customer service. Thank you!

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 2022-03-24
Company: EQUIFAX, INC.
State: AL
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:
XXXXXXXX XXXX XXXX  continues to report an account that I have previous disputed and sent police reports as well as identity theft packets. This account was previously removed in 2020 when XXXX XXXX XXXX was the collector o behalf of XXXX XXXX XXXX ( also attached ) however it is being repeatedly bought by new debt collection companies even though it is fraudulent. Equifax has been given this information on several occasions yet they have refused to remove this collection after being sent supporting documents showing that this was a result of fraud. I would like to now only file this dispute against both companies for legal documentation but to also get the support of the federal trade commission to help me resolve this issue.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: LD Holdings Group, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
LoanDepot broke the law regarding releasing the escrow balance from my account after i paid the loan in full. 
The requirement is 20 days total, not 15 business days as stated by them. 
My mortgage was paid in full on XXXX XXXX, 2016. Today is the XXXX day, and i still did not receive the escrow funds. 

XXXX Timely escrow payments and treatment of escrow account balances. 
( a ) Timely escrow disbursements required. If the terms of a mortgage loan require the borrower to make payments to the servicer of the mortgage loan for deposit into an escrow account to pay taxes, insurance premiums, and other charges for the mortgaged property, the servicer shall make payments from the escrow account in a timely manner, that is, on or before the deadline to avoid a penalty, as governed by the requirements in XXXX ( XXXX ). 
( b ) Refund of escrow balance. ( 1 ) In general. Except as provided in paragraph ( b ) ( 2 ) of this section, within 20 days ( excluding legal public holidays, Saturdays, and Sundays ) of a borrower 's payment of a mortgage loan in full, a servicer shall return to the borrower any amounts remaining in an escrow account that is within the servicer 's control.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I was working XXXX, via an online portal, based in XXXX Texas ( over 4 hours from my location ) and the owner used my information to open fraudulent credit accounts with XXXX banks, XXXX Bank and Capital One. The account with XXXX was resolved and subsequently removed from my credit report. However, the Security team at Capital One did not resolve the fraudulent account and continues to report negative information on my XXXX credit reports. 
I have documents showing that I do not and have not lived at the address listed on the Capital One accounts. I have a notarized document signed by the individual who opened the accounts and claimed responsibility for them. I have the case # documented from XXXX XXXX XXXX XXXX Office when I reported the fraud. 
Please assist in disputing Capital One 's claim that I am responsible for the account in question. I have never, and based on this experience ( going on 2.5 years now ) will never do business with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-12
Company: NAVY FEDERAL CREDIT UNION
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
Your Message XX/XX/XXXX : Hello, I made XXXX payments XX/XX/XXXX to payoff my NFCU credit card, and I stopped my monthly auto-bill pay. 3 months later I got a phone call from NFCU saying that they only received one large payment from me. I then immediately made a final payment to pay off the balance. 
Today I noticed a 30-59 day late payment mark on my credit. Please remove this mark as I have paid in good standing for years. 
Thank you, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-19
Company: EQUIFAX, INC.
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 had Equifax put a credit freeze on my account in early XXXX because of a number of hacking attempts. This month -- XXXX of XXXX -- we bought a new car and the salesman said he encountered a credit freeze. I explained the situation and told him I would contact Equifax to have it removed. I spent nearly four hours on the phone and online trying to get this corrected with no result. I wound up talking with two different men somewhere in XXXX, whom I largely could not understand and who questioned me about credit cards and other items I had 10 years ago. The online effort was just one continuous round and round with no positive result. I contacted our local U.S. Representative 's office who directed me to you. The car dealer wants to know when I can get this situation fixed, but I can not make contact with anyone at Equifax in XXXX. Please help! 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
I am executor of my mother 's estate. She passed three years ago. I am in the process of selling her home. Issue : Bank/mortgage lien on home. 
Three years ago I closed XXXX IRA accounts and a home equity line of credit. The bank told me not only to be sure the heloc was {$0.00}. but that it also is closed. I made sure this was done. I now find out that a mortgage lien is still on the home during closing. Wells Fargo did NOT inform me that a lien still existed when the account was officially closed. My mother never even used this line of credit. I was very surprised that I had to provide a mortgage paper to request a payoff and a release of lien The home was paid off at least fifteen years ago. It has been seven days and the lien has still not been released by the bank. The business manager at the bank told me that working for Wells Fargo he is also surprised to see many closed home equity line of credit accounts that are closed in the computer but have liens open on homes. Apparently there is no law or incentive whatsoever for the bank to notify customers or remove the lien. A special written demand must be provided to the bank. Again no one is told they need to do this once the account is closedI contacted my lawyer and he informed the bank can take up to 60 days to release the lien. This is absolutely wrong! A law needs to be invoked to stop this bank practice. Many people have liens on their home that do n't even know it. 
I understand XXXX XXXX XXXX and others do the same thing.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-19
Company: Rocket Mortgage, LLC
State: KS
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I have paid more than 20 % down on my mortgage and didn't have to pay mpi previously. I talk to Rocket XXXX and they said they want you to pay for 14 years

Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-20
Company: PNC Bank N.A.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
On XXXX XXXX, XXXX, I was contacted through email by XXXX XXXX at XXXX XXXX. Her email was XXXXXXXXXXXX. XXXX contacted me through email regarding a debt with PNC. I writing this complaint due to my concern of the amount due and contact practices. I thought it was odd I was only contacted through email. My second issue is the balance. The initial balance XXXX XXXX is reporting is {$920.00}. This amount is different from what is showing on my credit report. I ask that CFPB investigate the validity of this debt and company. I do n't want to pay a company that is not legit. 

Information received from email : XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-14
Company: Radius Global Solutions LLC
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/2019, I mailed a certified letter to XXXX/XXXX, and Radius Global for validation of the credit card account stating I owe XXXX  {$2300.00} and XXXX  {$2900.00} they placed on my credit report, which does not belong to me, I never open this account with XXXX/XXXX, Radius and XXXX, its been over 120 days and XXXX ( XXXX  ) only sent was bill statements attempt to show proof, no proof of signature which I requested. Radius Global never replied with the XXXX XXXX  collect account and now XXXX   ( XXXX ) is stating they have assign to Radius Global. I need Radius Global to show proof of both accounts by supply signatures.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-16
Company: Shellpoint Partners, LLC
State: GA
Product: Debt collection
Sub-product: Mortgage debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My mortgage was transferred to NewRez Mortgage LLC in  XX/XX/XXXX. I reviewed account online in XX/XX/XXXX to discover a {$15.00} fee pending. I called on XX/XX/XXXX and was told it was for an inspection and nothing else. I was instructed to write them to dispute it. I emailed company on XX/XX/XXXX. Mailed a hard copy the next day. After several weeks, I heard nothing. I received a notice in mail that NewRez was attempting to send me a large envelope that the PO would not deliver that day. I complete the form online for the PO to deliver it but it still never arrives. However I called NewRez that evening. After talking with many representatives, I was accused of being 42 days late in XX/XX/XXXX. After about 30 minutes and I had every payment documented with my statements, they corrected that statement and CONFIRMED that I was NEVER late. Said it would take 2 weeks to correct the fee. On XX/XX/XXXX I called again and they once again said it would take 2 weeks to clear. I emailed them once again on XX/XX/XXXX and still no response. They acknowledged the fee is in error but not clearing it. It now makes it where I can not pay extra into escrow account until the fee is paid so it is affecting my ability to pay correctly.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation