BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
Capital One sued me to collect a debet and I just receveived notice today, XXXX XXXX, 2016. I have been trying to pay them for over 3 years, but they wo n't accept any payment terms accept payment in full or {$700.00} a month which I can not afford. I was paying on the account continuously until I lost my job at which time, I was paying, but below the monthly minium. They sent me to collections despite the fact I was actually making payments. When I ceased making payments due to lack of employment, they would not work with me to set up agreeable payment arrangements. They even shut off my online access so I could n't make any payments. How can I pay if you wo n't let me pay? Ridiculous. I then put the account in a debt management plan, which the ignored and still sued me. I was not made aware of this was happening. Every attempt I have made to pay they have ignored and/or said it was not enough. Seems to me something is better than nothing. Then to sue me without me being notified is disgusting. Capital one is a terrible company that is perfectly happy with ruining your character and credit. They wo n't work with you at all. Everyone warned me about getting a credit card from them.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-01
Company: FAIR COLLECTIONS & OUTSOURCING, INC.
State: CT
Product: Debt collection
Sub-product: Other debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I was having a collection account with FAIR COLLECTIONS & OUTSOURCING which I was not aware of, they never tried to reached me or call to settled.     I paid them and they assured to removed the account from my credit report which they 've never done.

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 2015-09-04
Company: DISCOVER BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Discover Bank pulled a bait and switch, offering {$50.00} to open a savings account, but then failing to give me the money. I satisfied all of the requirements, but they still wo n't give me the money. I have contacted them XXXX times and they have promised me the money by a certain date twice, but failed to make good. The last time I contacted them they said it would take them XXXX weeks to research the problem. I ca n't see as how it could take them that long, given that anybody can see that I followed the rules and met the requirements. I also do n't think it 's right to tie up my money that long, when I have already met the requirements.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ME
Product: Credit card
Issue: Delinquent account

Complaint:
Divorced spouse. Effective date was XXXX XXXX, 2014. In the decree, it stipulates former spouse was to pay ANY and ALL debt incurred during divorce proceedings. Before final agreement, former spouse was the only source of income. This hereby cause me to fall behind on payments. Once former spouse made proceeds available, I contacted creditor to catch up on the late payments. This was on or about XXXX XXXX, 2014. During the course of the telephone conversation, the customer service representative agreed to waive ALL late charges, as well as back interest. Also, the representative mentioned the account would be reported as " Paid, never late. ', due to divorce proceedings. I mailed creditor a copy of the decree, and I received a letter from creditor, stating the account is reporting correctly. I feel as if I was lied to.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: LA
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:
Despite several disputes, Bank of America continues to report account with first delinquency older than 7 year to XXXX. The account should have been removed in XXXX of 2020, and was removed from both XXXX  and XXXX  but BoA continues to verify account despite being past the legal age.

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 2020-08-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MI
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 is charging me for two accounts, and put two accounts into collections. when I have never used or operated a XXXX phone.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: EQUIFAX, INC.
State: MA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
REQUEST FOR FREE ANNUAL CREDIT REPORT!!! 
I believe that each consumer reporting agency has invalidated the true spirit of the Fair and Accurate Credit Transactions Act. The Act first established XX/XX/2003 was intended to establish a plan whereas common American citizens could obtain a copy of their credit reports at least once a year free of charge. Since each credit reporting agency now has marketing divisions such as Free Annual Credit Report, XXXX  XXXX  and XXXX  XXXX, the automation system to obtain the free annual reports is looped into an information request to steer citizens into additional product offers that are excessive and unnecessary. Even though I may have received an approval of an updated credit report from either XXXX, XXXX XXXX or Equifax respectively, it is unfair that I need to do a mail request since I can submit my personal information through the Consumer Financial Protection Bureau ( CFPB ) portal. I believe that since the CFPB is the sole responsible oversight party of the Fair Credit Reporting Act, its imperative that any additional solicitation of information from the credit bureaus should be blocked permanently. I along with any other citizen should receive a free credit report upon request. The credit reporting agencies are an important aspect of the national banking system to properly function, but the current aggressive marketing campaign soliciting citizens for an arbitrary FICO score has gone too far, including but not limited to XXXX  Boost. We must return to a common ground that is fair for all consumers in the United States, and we must be able to request additional marketing on our own terms. Accordingly, I am making a request for a free credit report with confirmation number to my attached email address. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I contacted Kohl 's directly upon my purchases for XX/XX/XXXX while shopping at customer service to receive paper statements. In XX/XX/XXXX, I still had not received a statement so I called Kohl 's to find out why I had not received a statement. The representative stated I was late on my payment. I advised him that I had not received a statement yet. He stated he would remove late fee and bring account current. I made a payment as per attached pdf file. I continued to make payments drawn on or before the XXXX of each month. Some came out as late as the XXXX. I never missed a payment and made more than minimum due. However, Kohl 's has charged me {$160.00} in late fees stemming from the XXXX payment issue. I believe this to be an unfair scheme by them to collect fees. I did not receive a statement, inquired and made a payment the same day. The representative stated they would bring account current and remove the late fee. That never happened and created a situation where each month would be late even though I pay more than minimum due. I tried to reach their POC, XXXX XXXX, with XXXX voice messages to no avail. Then today, she calls and states that they will make no adjustment and that they would only provide a correspondence to me. She refused to acknowledge my concerns. She simply refused to talk about any specifics or reason why they would not refund late fees. Very cold but not unprofessional, just detached and cold!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: DISCOVER BANK
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 have tried to have this company Discover to remove this off my report. once i paid my bablance off they would remove this from my credit report. and it is still here reporting charged off but i paid the full balance off. can you please just remove the whole thing off my credit please

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-05
Company: HW Holding, Inc
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
This debt showed up about an apartment I had over 2 years ago. When I called the company to ask for details they said this was for services rendered like trash removal and spraying for cat pee. This was a XXXX sq foot apartment. Even if it was full of stuff ( which it was not ) it could n't be that much. I did not have a cat in the apartment. When I ask why no communication was sent to me at my new apartment ( the apartment had new address as part of move out pw ) they said everything was sent to the address of my old apartment they were showing a debt for. I ask for paperwork proving this is my debt and I have yet to receive anything from them. I have done everything I can do to resolve it in good faith. This is just wrong. I was never given anything about this charge and now I cant get it off my credit report.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-15
Company: EQUIFAX, 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 status incorrect

Complaint:
The Deptartment of Education / XXXX XXXX and XXXX XXXXXXXX XXXX are displaying Late Payment for 9 student loans that are currently in Deferment or Forbearance since last updated on XX/XX/2022. Both companies have been contacted and have updated their websites respectively to display accounts currently in good standing. The late payments are effecting my credit rating and I am requesting that they reflect the accuracy of the accounts currently.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-29
Company: Spring Oaks Capital, LLC
State: VA
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:
The credit reporting agency allowed the same company to be listed as a charge off on my report and a collection under two different names but they are the same XXXX XXXX also known as XXXX XXXX XXXX XXXX put a charge off on my report in XXXX but did not issuse a 1099 from the IRS. On XX/XX/XXXX nearly eight years later the same company reissues a collection account brand new on my report. Spring Oaks Capital opened and old charged off account nearly eight years old as a new collection. The collection agency claims this fraud is allowed for the same company to continue open old accounts as new causing great economic harm to my family. Spring Oaks Collecton knowingly and fraudulently opened an eight year charged off account as new, this is not legal. I have filed numerous disputes with the agencies biut to na avail. Spring Oaks Capital are fraudulently opening up new collection accounts under a different name. XXXX XXXX XXXX XXXX XXXX are the same compnay. This company is trying to apply double jepoardy by destroying my report and using criminal fraudulent tactics.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-08-31
Company: CURO Intermediate Holdings
State: NY
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
This is a collection of a payday load. I did not know at the time but since my husband was in the military at the time they should not have given me a loan with a 300 % interest rate in the first place. I have already paid the principal back plus 6 % ( my husband was activated to the XXXX so I qualify for SCRA ). This collection agency continues to try to collect and has put negative information on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Mortgage
Sub-product: VA mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
In mid XX/XX/2020 we applied for a va refinance with Pentagon Federal. We provided requested information by the end of XXXX including all our financial information a new appraisal and termite inspection. Since the end of XXXX we have been unable to get a status on our application. Since so much time has passed our appraisal and financial information is now stale. Also our interest rate lock has expired and Pen Fed rates have increased. We have been told our original lock rate will be honored but have not yet received any disclosures specific to our loan application regarding a rate extension.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-09
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
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: Information belongs to someone else

Complaint:
On XX/XX/XXXX, I checked my credit report using XXXX XXXX and saw that I had multiple accounts, credit inquiries, collections accounts and different addresses. Some of them from places I have never lived or know anyone who lives there. Most of them are student loans from Department of Education/XXXX although I have never taken out a student loan. I went to school as an XXXX  student and could not take student loans. I paid for my education out of pocket. These loans have accounts that were opened as soon as XXXX and I have been done with school for at least 5 years now. There are also multiple inquiries and collections accounts from companies I have never received services from or have accounts with. This is the fraudulent information in my credit report ; DEPT OF EDUCATION/XXXX   XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX XXXX DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX XX/XX/XXXX, DEPT OF EDUCATION/XXXX  XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX   XXXX XX/XX/XXXX, XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXXXXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX, XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX   XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, TX 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 explanation
Consumer complaint received 2022-01-29
Company: ERC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Enhanced Recovery Company put a collection on my credit report preventing me from getting access to credit.

Enhanced Recovery Company placed a collection of {$170.00} with no payment history on my credit report XX/XX/2019. 

Enhanced Recovery Company ( XXXX ) XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-04
Company: LTD Financial Services, L.P.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
XXXX XXXX XXXX XXXX XXXX TX XXXX LTD Financial Services is trying to collect XXXX of debt using the loan service XXXX XXXX XXXX XXXX XXXX located in XXXX Arkansas under my name XXXX of XXXX XXXX Charged XXXX interest Charged XXXX fees Total debt now is XXXX Letter sent out XX/XX/2022

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
Company: CITIBANK, N.A.
State: PR
Product: Credit card or prepaid card
Sub-product: Store credit 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:
The reason of this complaint is to request a refund for sales check XXXX for {$1400.00} dated XXXX XX/XX/XXXX due to merchandise was never delivered. 

In XXXX XX/XX/XXXX I purchase a cooktop Sales Check number XXXX {$1300.00} ( cooktop ) + {$130.00} ( tax ) = {$1400.00}. Four service appointments were scheduled due to cooktop was defective. A Sears service and repair technician visited my home and attempted to repair the cooktop in occasions without success. For this reason, he determined that the cooktop had no repair and recommended to request a replacement under warranty. I contacted Sears warranty services at XXXX and requested a refund under the Master Protection Agreement ( extended warranty ). Two weeks later I received the refund in a check. I took the refunded check and went to the Sears store and purchase a new cooktop ( same model ) Sales Check number XXXX {$1400.00} dated XXXX XX/XX/XXXX. Estimated delivery was XXXX XX/XX/XXXX. Sears contacted me to notify that due to the merchandise not being available the delivery date was being postpone to XXXX XXXX, then to XXXX XX/XX/XXXX, then to XX/XX/XXXX, then to XX/XX/XXXX, then to XX/XX/XXXX. On XXXX XX/XX/XXXX contacted Sears Customer Solutions at XXXX and requested to cancel the order and requested a refund. As of today, Sears Customer Solutions have denied, in several occasions, the refund. The reason for the refund denial is that Sears argues I was already refunded and they will not refund again. Refund Request cases numbers XXXX, XXXX, XXXX. Should you need additional information I have created a detailed call log with dates, hour, who I spoke with and nature/content of the call. *** Please note credit card was paid in full***

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 2022-01-29
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Due to the the pandemic, i wasnt able to work because i contracted XXXX. Called my creditor and advised them of the situation. Creditor adivesed me that i was going to be place on a deferral from XXXX to XXXX when i viewed my online banking and credit report i seen that i was past due in XXXX, but the rep told me my payment wasnt due until XX/XX/2021 advised creditor, failed to investigate the matter and this gave affect my refit score

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 2016-05-16
Company: Ocwen Financial Corporation
State: MI
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Ocwen Servicing LLC is attempting to steal my home. my name is XXXX XXXX XXXX,. They filed an assignment to XXXX BY NOMINEE on my home @ XXXX XXXX XXXX XXXX on XXXX/XXXX/XXXX using Document XXXX filed XXXX. 

I have been paying Ocwen since XXXX and Ive come to find out that they do not have a valid assignment, a right to payment, they have committed farud by unsing my personal information without authority. I have not entered into any valid agreement with OCWEN not its bank XXXX trustee for Popular XXXX or XXXX. I have since rescinded my signature.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-13
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
Unfair crediting scores. Credit companies like Equifax and XXXX  rate unfair scores. There is no set system to dispute while they report scores that jeopardize and affect ones livelihood. It should be illegal to not have fair reporting systems when these are systems used by companies denying lifestyle opportunities. 
I was scored +XXXX  points for lowering my debt by XXXX and reduced XXXX points for adding XXXX. Who sets the standards on companies that play with a persons livelihood?

Company response to consumer: Closed with explanation