BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-05
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Rewards

Complaint:
Discover has an offer where you refer a friend and they give you a {$50.00} reward if the friend sings up. I referred a friend who got accepted but i never received the reward. On contacting the customer service i was told there was some error in the prior statement as i had received XXXX rewards which was then deducted from my current statement rewards without specifying it in the statement. On further questioning, they did failed to show me how much of error was present my previous statement.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: DISCOVER BANK
State: OK
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting report or credit score

Complaint:
My former name was XXXX XXXX XXXX. I changed my name to XXXX XXXX XXXX XXXX since I changed my name, my credit scores is not correct, its too low before it was excellent. 
Now I send to you with my attach officially name change document.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-23
Company: Transfinancial Companies, Inc
State: LA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
The account in question is medical in nature. My son 's ( XXXX ) were seen by the doctor both received blood test for XXXX. The bills were submitted to my insurance company ; insurance rejected both claims, when I called about the rejected claims I was provided guidance on what the doctors office would need to do so the claims could be paid. The doctor corrected XXXX claim but not the other, I fought with the insurance company, the doctors office and the debt collector for XXXX yrs. Keeping all entities informed of the issue. Ultimately I paid the bill, the debt collector placed the account on my credit report as a late payment that will not be dropped off my report until XX/XX/2021.

Company response to consumer: Closed
Consumer complaint received 2015-07-10
Company: Focus Holding Company
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They continually robo call my line at all hours of the day. Some days they have left up to XXXX messages. 

The message is recorded and they do n't even have my correct last name!! They give you NO information whatsoever, and after reading all the other complaints about this company, I do not dare call back. All other debt collection agencies send you written notice via mail. Why should I be harassed about something I know nothing about and do not know of any uncollected debts that I might have.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Santander Consumer USA Holdings Inc.
State: GA
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:
Santander is currently under legal litigation. Santander is required to forgive the remaining balance on loans. Santander will also request that the loans be removed from consumers credit reports. According to the multi-state investigation website, Santander knew that some of their borrowers were at a high risk of default but turned a blind eye to these risks and exposed these borrowers to unnecessarily high levels of risk through high loan-to-value ratios, significant backend fees, and high payment-to-income ratios. Santander needs to remove their collection from my XXXX  and XXXX  credit report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I purchased a my home in XXXX, Arizona in XXXX XXXX through XXXX, XXXX XXXX XXXX making weekly payments with no payments missed. Around XXXX XXXX, I started to receive checks from XXXX XXXX XXXX, when I called them to question these refund checks, they then stated that they bought my loan XXXX. I asked them why the did n't assume my loan, they stated that I was not in their system and that my payments were being posted in an escrow account. B of A stated that because they could not assume my loan that I would have to reapply with them and so I did, with one request, reduce my interest rate to something more reasonable. Every month since then, I have refiled as they claimed that they needed either new documentation and or they lost some part of it. In XXXX of XXXX, I discovered that Carrington Mortage now has my loan. I discussed the past problem with a XXXX XXXX XXXX, the gentlemen who called me and he stated that based on the information that he reviewed, he did n't see a problem getting this loan processed. It is now XXXX XXXX, now they claim that there is an issue with my XXXX issuance letter, they are requesting an updated letter for XXXX. I explained to them that I am a XXXX XXXX for life, the original letter is all I have. 

Since this process started with XXXX XXXX XXXX and the fact that they would n't accept payment for my loan, has my credit tied up with this " single '' mark against me. They have tried to Foreclose on my property XXXX times, all of which they withdrew on the date of sale. 

This is my retirement home, I make good money, have always been employed and have set aside a years worth of money to clearly prove that I can afford my home. I even gave them a written offer to which they refused. ( very reasonable, I offered them more than the house was worth@3.5 %, 30 year fixed - they ignored it ) I am not sure what else to do and I need help finding resolve to re-establish my loan and have my credit repaired.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: NCC Business Services, Inc.
State: DE
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
NCC Business Service Account # XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Fl XXXX XXXX Account is paid in full and was told that if was paid the account will be taken off 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 with explanation
Consumer complaint received 2015-09-01
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Our XXXX loan was sold to Carrington Mortgage Services. After two months, they said we could get into a program to reduce our indebtedness on our home since we were underwater. Carrington then sold the loan to XXXX XXXX for approximate value of our house. Carrington was paid in full for the loan yet they reported that we short sold the loan. Since we still live in the house, this is impossible. Senator XXXX XXXX 's office has stated that we were not in any Nevada home refinance program. Note that Carrington purchased the loan in XXXX 2014 and sold it in XXXX of 2014. The report on our credit prevents us from obtaining lower interest in a refinance for three years. 

Note also that we never signed any paperwork with Carrington

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-14
Company: LEXISNEXIS
State: WA
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
I am unable to receive my LexisNexis C.L.U.E . Auto report. I thoroughly filled out the company 's request form, leaving nothing blank. In addition, I supplied a copy of my social security card ( Category A identification requirement ) and my auto insurance declaration page ( Category B address verification for mailing address ). I live between the United States and XXXX with my mailing address ( not physical address ) at a border town, but my submitted insurance declaration page reflects this mailing address. I 've met the LexisNexis requirements and yet their generic letter states I did not meet their verification process and that the request form was incomplete / illegible. None of this is true. There is no means to contact a human being at LexisNexis. My consumer number is XXXX and my case number is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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:
XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, SD XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXX  XXXX XXXX XXXX XXXX XXXX XXXX UT XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX NV XXXX ( XXXX ) XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX ) XXXXXXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX, NV XXXX XXXX XXXX ) XXXXXXXX XXXX XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX SD XXXX ( XXXX ) XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXXXXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX I have no knowledge of each of these accounts and have lived in XXXX for the last 13 years. All these accounts are fraudulent and I have never had a credit card in the U.S. since I moved to XXXX when I was XXXX. I have contacted these companies and was told I would receive a fraud package in the mail which I never received. I have also disputed these accounts with Transunion.

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 2016-10-23
Company: CAPITAL ONE FINANCIAL CORPORATION
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Hello, I was a credit card customer of CapitalOne with a limit of {$500.00}. I left the USA XX/XX/XXXX as part of my completion of assignment and kept no dues in that account. I have never used that card again and the last e-statement I received on XX/XX/XXXX showed {$0.00} dues. Recently I received an e-mail from CapitalOne to notify me of suspicious purchases from that account. I immediately contacted them ( On XX/XX/XXXX ) from XXXX where I am working now and after due verification of my identity over phone they accepted my request to close that account and initiate an inquiry. They informed me that I am not required to pay the amount. 

They started sending me e-mails to pay the dues but I ignored them as I am not responsible for those purchases. Now I am frequently receiving reminders to pay amounts that is increasing month by month. I request your office 's intervention in this matter as the money they are demanding is increasing each time.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Capital One blocked my credit card because I redeemed miles on the account. To verify the account they demand ID, front and back, Social security card front and back and a utility bill. I consider these demands for verification onerous and absurd. They will " unblock the account '' after 72 hours! No other bank engages in such demands.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-10
Company: ProCollect, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
While my bankruptcy is not discharged yet, my attorney has provided ProCollect with letters stating that the information they are showing on my credit report is incorrect and needs to be removed yet it is still showing. I recently contacted them personally and was told by XXXX that while they show it is in bankruptcy status on their side, it is still showing on my credit because I keep disputing it. I find this odd since I have disputed other items to credit reporting agencies and they were removed. I also never received any sort of letter from them with my rights.

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 2016-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other

Complaint:
Contacted by XXXX XXXX stating they can help me get 0 % balance transfer for 12 months and if I pay on time they would continue to renew the 0 % every 12 months until I paid off the credit card. I ask them to put it in writing on company or credit card letterhead. Instead they sent me an Email, and when I call them back and told them this was unacceptable, they started the process without my approval. Capital One issued a credit card and stated the balance transfers were for 3 months only. I was not aware that the company applied for the card and I decided not to activate the credit card. I contacted Capital One to get an understanding and concluded they could care less. They became disrespectful, so I told them that I did not want the card, please clear the credit information on my credit report, and they told me that they will report it as a closed account ( which will lower your credit score ) even though the account was never activated. This is wrong, but they did not care.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-02
Company: Netspend Corporation
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have not been able to use my Netspend card since XX/XX/20. I have available funds that I gave deposited as well as my Stimulus payment but the card declines when I try to use it in stores, online and at ATMs. I have tried to reach out to Netspend customer via secure message on the Netspend app, customer service ( XXXX ) but have received no response. The number rings busy and or I am placed on an extended hold then the line disconnects. I am not able to use the funds on my card.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Checkr, Inc
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I've submitted my background check on XXXX still says pending also I've submitted my background check on XXXX XXXX same company went through right away XXXX XXXX account says pending this is hog wash the same company access the same info no need too be pending.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
The bank deducted over draft fees when the money was in there to cover the checks that came thru. 
They had the nerve to prdate the fees to when the check actually came in. 
This is more than deceitful but crocked!! 
I wonder just how may people they do this to every day??

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 2016-06-01
Company: Great American Finance Co
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Great American Finance Company is horrible to say the least I have never missed a payment when I open the account and made all my payments up to date. I went online and made my payments always. In XXXX XXXX I notice the company report a 30 day late when I was not late, I called them to discuss the issue and they stated that its because I had not full paid my total due in XXXX XXXX, I then explained the issues and also stated that I was never informed that I had a late payment in XXXX XXXX, in which GAFCO stated that it was a late fee that just kept on adding up. I explained that was very deceptive and misleading and sent several letters to the Manager and still no response not even a call back. I spoke with a Customer Service Representative who stated that she would look into the matter and correct the late payment. GAFCO never corrected the late payment then in error they placed another late payment for the month of XXXX XXXX in which again I called to dispute the matter and even stated that how could I be late when I paid up to 3 months in advance in XXXX XXXX. I was very frustrated after that and got the Attorney General involved and now they continue to report " Account Charge off '' on my credit bureaus for the last 6 months. The same account they have reported as a " charge off " for the last 6 months, which puts a negative hit on my CRA just to lower my scores. Great American Finance Company has continued to the FDCPA 807. False or misleading representations. As they continue to violated federal law, by not False and misleading information provided to the credit bureaus with proper notice within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking {$5000.00} in damages for the following : 1. ) Defamation 2. ) Negligent Enablement of Identity Fraud 3. ) Violation of the Fair Credit Reporting Act

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-02
Company: EQUIFAX, INC.
State: FL
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 settled debt with first progress and account obligation was met. Ive attached proof of This agreement made with first progress. However, equifax only updated dollar amount. Which, makes me feel as there was no initiate taken by agency to look at the documents I originally submitted regarding how this account reflects

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had a Capital One/GM card for many years and used it to build up dollar credits to be used when purchasing a new XXXX automobile. I always paid my balance in full at the end of every month. Upon returning from vacation in early 2014, and retrieving my held mail from the post office, there was a Capital One bill in the mail stating I owed XXXX plus a late fee charge of XXXX. I immediately contacted Capital One. After explaining that I had just returned from vacation and found this bill in my mail, the supervisor agreed to waive the XXXX late fee and accept my XXXX as payment in full. I paid immediately thinking all was well with my Capital One account. Some time later I tried to use the card and it was rejected. I called and the representative informed me that my card had been cancelled due to delinquent payment. 
I am now purchasing a new XXXX vehicle and upon trying to use the Capital One/GM credits I had accumulated over the 10 or so years I used this card, I was told the credits are expired and there would be NO WAY of retrieving any benefit from the expired dollar credits. 
It 's my contention that Capital One unfairly cancels customers cards with very little provocation in an effort to extinguish their purchasing dollar credits and thereby saving Capital One or GM large sums of money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX/XXXX/16 I went to XXXX XXXX to purchase an ink cartridge. I used my credit card and XXXX XXXX billed me {$76.00} cents. Approximately 30 minutes later I returned the item, the same day, because my husband has a XXXX XXXX card and we decided to use it. XXXX XXXX gave me a refund receipt showing the item returned and monies refunded to the card. Capital One, the owner of the credit card I initially used sent me a bill in XXXX 2016, stating I was billed a second time by XXXX XXXX and must pay {$76.00}. I told them I did not purchase the item with their card a second time and that I will be contacting XXXX XXXX. I went back to XXXX XXXX and they were able to run the Capital One card and saw that they did not charge me a second time for the ink cartridge. They gave me duplicate receipts of the purchase and return/refund on XXXX/XXXX/16 and I sent copies to Capital One to show as proof that I never purchased the item a second time and that it was returned and the card was refunded. Capital One sent me a letter stating that the receipts were not enough and they are still going to charge me and the case is closed. They continue to bill my account this erroneous charge and fail to show any proof of a second charge from their end. At least XXXX XXXX was able to run the card and see that they did not charge a second time. I have sent letters to Capital One including their corporate headquarters and they refuse to remove the charge from my statement. I am a simple XXXX employee and {$76.00} means a lot to me and I can not afford to pay for something that I did not purchase and they refuse to do anything to remove the charge, even though XXXX XXXX insist they did not charge my card and I could see from their report they did not. Thank you for your assistance in this matter. Kind regards.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I wanted to get tax info on my auto loan and it was not available on the website so I called the number on my bill and the website from my loan ( CapitalOne-XXXX ). When I called I was subjected to ads and offers from XXXX companies ( XXXX, XXXX, etc ) then was told that the number had been changed to XXXX XXXX. This was another ad for XXXX with no end to the loop. I just got out of the hospital and need to get this my answers quickly as I have no stamina. Can you please check into this and see that they correct the phone number or change it so people can get " Customer Service '' from a representative?

Company response to consumer: Closed with explanation