BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-03-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Money was taken from your bank account on the wrong day or for the wrong amount

Complaint:
I HAVE A CAR PAYMENT SET UP WITH CAPITAL ONE AUTO FINANCE! THE ACCOUNT NUMBER IS : XXXX. FOR THE LAST 5 YEARS I HAVE PAID MY CAR LOAN TO CAPITAL ONE BY TELEPHONE AT THE END OF EVERY MONTH ( TELEPHONE RECORDS TO PROVE IT ) FOR {$360.00}! ON XX/XX/XXXX I SPOKE TO AN AGENT, LIKE I DUE EVERY MONTH, TO VERIFY MY PAYMENT! ON THIS DAY I SPOKE TO AN AGENT CALLED XXXX AND I CLEARLY EXPLAINED TO HIM THAT I WAS GOING TO CALL THEM AT THE END OF THE MONTH TO MAKE A PAYMENT! WHEN I CALLED ON XX/XX/XXXX AN AGENT CLAIMED THAT THE MONEY WAS ALREADY SENT OUT TO THEM WITHOUT MY LEGAL PERMISSION TO DUE SO! THEREFORE CAPITAL ONE BROKE THE LAW! I ALSO HAVE BANK RECORDS TO PROVE THAT I MAKE THE PAYMENTS AT THE END OF EVERY MONTH! BECAUSE THIS MONEY WAS ILLEGALLY DEDUCTED FROM MY XXXX  CHECKING ACCOUNT I HAD 2 CHECKS THAT BOUNCED AND WAS CHARGED XXXX IN OVERDRAFT FEES! CAPITAL ONE BROKE THE LAW AND THEY SHOULD BE PUNISHED FOR THIS OFFENSE!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-07
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Problem adding money

Complaint:
I have a XXXX XXXX  '' branded prepaid card issued by American Express which I regularly fund on the XXXX website from my checking account where I receive direct deposits. On XX/XX/2022 I was unable to log in to access my account on XXXX and received an error saying my account was locked. This prevents me from reviewing my account history, making any changes to my card, or retrieving any of my funds loaded onto the XXXX  card balance. 

I called Serve at XXXXXXXX XXXX  XXXX on XX/XX/2022 and spoke to American Express ' representative, XXXX, about my account. They told me that they had locked my account because I had added funds from a prepaid card, which is against their policy. I confirmed that the account they claimed was a prepaid card was the debit card for my checking account. American Express refused to correct the erroneous listing of my debit card as a prepaid card, even after I provided them additional details about the card and the name of the issuing bank. American Express also refused to unlock my account, preventing me from accessing any of the services for my XXXX card. 

My checking account is " XXXX XXXX '', a branded checking account offering administered by XXXX Bank XXXX Member FDIC, XXXX number is XXXX. XXXX  provides these statements regarding the debit cards of the checking account : " XXXX XXXX  debit cards are associated with XXXX. They are issued and administered by XXXX Bank, pursuant to license from XXXX XXXX XXXXXXXX XXXX XXXX is powered by XXXX, accounts provided by XXXX Bank , Member FDIC. XXXX - from XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CT
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:
This letter is to inform you that I recently received a copy of my credit report that your company publishes and after reviewing it I found a number of items on the report that are inaccurate. The accounts in question are listed below. Please send me copies of the documents that you have in your files as of this date that you used to verify the accuracy of the accounts listed below. DEROGATORY ACCUSATIONS INCLUDING ALLEGED INQUIRIES MUST BE METRO 2 COMPLIANT TO RETAIN OR REPORT SO DELETE ANY NOT PHYSICALLY WITH PROOF OF PERMISSIBLE PURPOSE FROM THE EXACTLY AND LEGALLY IDENTIFIED ME.I DO NOT AUTHORIZE YOU TO REPORT NOT PROVEN COMPLIANT INFORMATION AND YOU MUST COMPLY. 


I respectfully request your prompt attention on the following inaccurate information on my credit report. For your convenience, the disputed items are listed below. The following item is inaccurate and negatively affecting my credit. Please reinvestigate this matter and delete and/or correct the disputed item. I respectfully request that you provide me with proof of the disputed item, specifically any contract, note, court documents or any instrument bearing my signature. Failing that, this item must be deleted. In addition, there are a number of credit accounts that have been inactive for more than seven years. As you know, the FCRA states that all credit older than seven years should be removed from my report. Therefore, the following accounts should be removed : Creditor : XXXX Account : XXXX Creditor : XXXX XXXX Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXXXXXX- Account : XXXX Creditor : XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX- Account : XXXX Creditor : CXXXX XXXX- Account : XXXX Creditor XXXX XXXX XXXX- Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX Creditor : XXXX XXXX XXXX Account : XXXX This is a formal notice that your claim is disputed. I am requesting validation, made pursuant to the Fair Debt Collection Practices Act and the Fair Credit Reporting Act, along with the corresponding local state laws. Please note that I am requesting validation ; that is competent evidence bearing my signature, showing that I have ( or ever had ) some contractual obligation to pay this creditor.

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 2022-04-13
Company: Experian Information Solutions Inc.
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:
On XX/XX/XXXX I sent a letter for inaccurate and unknown things on my credit report. It has been over 35 days and I have not received a response yet. I feel like I am being ignored and taken advantage of regarding my disputes. Fair Credit Reporting Act Section 611 ( a ) clearly states that a failure to investigate this item within 30 days gives reason to immediately remove those items from my credit report. It has been over 35 days so they should be promptly corrected. I am distressed that you have included the information below in my credit profile and that you have failed to maintain reasonable procedures in your operations to assure maximum possible accuracy in the credit reports you publish. Credit reporting laws ensure that bureaus report only 100 % accurate credit information. Every step must be taken to assure the information reported is completely accurate and correct. The information therefore needs to be re-investigated. This has really caused me a lot of stress and strain and I demand that this account be corrected immediately : XXXXXXXX XXXX XXXX XXXXXXXX Date Opened : XX/XX/XXXX Balance : {$0.00}.

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 2016-09-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Dear Sir or Madam, I 've been on vacation with no access to a Capital One Bank branch in the area and I 've been hit with numerous overdraft fees ( XXXX in all )! And the number continues to climb each day. This is a total of {$330.00} which I find quite excessive. 

Unfortunately, I 've been unable to deposit any money into my account to stanch the flow of overdraft fees as I 've been in an area where there are no Capital One branches. 

I tried resolving this issue by contacting XXXX XXXX, Director of Complaint Operations for Capital One and she answered that she would have a colleague reach me to discuss the issue. When I received a call from her colleague it was only to explain to me why they were justified in charging me all of these fees. 

So I appeal to you for help. 

Capital One Bank 's have increasingly used overdraft " protection '' plans in a way that is deceptive and unfair to consumers. The vast majority of large banks enroll consumers automatically in overdraft plans, charge an average of {$35.00} per overdraft, and manipulate the order transactions to post in a way that maximizes overdraft. This predatory practice must end! 

A report by the Consumer Financial Protection Bureau ( CFPB ) released in XXXX 2014 raises concerns about the impact of opting into overdraft services for debit card and ATM transactions. The study found that majority of debit card overdraft fees are incurred on transactions of {$24.00} or less, and that the majority of overdrafts are repaid within three days. Put in lending terms, if a consumer borrowed {$24.00} for three days and paid the median overdraft fee of {$34.00}, such a loan would carry a XXXX percent annual percentage rate ( APR ). 

By capping the number of overdraft fees Capital One Bank can charge, we will maximize protections to consumers. Unchecked, banks like Capital One will continue to XXXX their customer 's accounts with impunity. When will this end? 
Capital One 's predatory banking practices remind me of what XXXX XXXX says in her book How the Other Half Banks : " One of the great ironies in modern America is that the less money you have, the more you pay to use it. The American banking industry has stopped serving those who are too poor to bank. '' Charging excessive overdraft fees on one 's account is wrong and should be stopped.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-09-07
Company: Experian Information Solutions Inc.
State: NV
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Wrong person this account// bankruptcy doesnt belong to me and I would like it removed please. Not my bankruptcy

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 2015-09-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I recently ordered my credit files and found this account on my credit reports. I have never had any account with this institution and do not know of any account ever opened with them. My personal details where compromised in 2012 when my wallet was lost and included ; credit cards ; social security card and driving license but was found and mailed to me. 
Please provide full details of this account including the information used to open it. My credit files report an address that is not known to me and there have been attempts to open accounts from this address therefore, I require full validation of the opening documents for this account to ascertain who is using my identity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-18
Company: PNC Bank N.A.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I recently got an account open with pnc bank. Someone was able to get my card information and use it to make an online payment to their orthodontist for {$100.00}. I called pnc bank immediately to tell them about the issue, instead of stopping the payment before it posted they allowed it to go through. Now I am out of XXXX while they take 10 business days to investigate. Most banks show since of urgency when things like this happen. The customer service representatives are rude and show no empathy. I no longer trust my money being in a bank that does n't protect their account holders accounts and sensitive information.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-06
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
we are recently submitted a claims to varies if we got a hamp. modification from XXXX XXXX XXXX. but we forget to mention our second complain about not modifying our home because we make too much money and our debt is too high. which do n't even make any sense because we are making less we loss our XXXX and was sick for the past three years. our bank statement and everything reflect us making less and transition from one job to the next. we feel that the bank just want to sell our home and do n't want to work out a solution for us. struggling family in hard times. we send several faxes and mailing document for the past three years but there is always something that was not done or receive. we are looking for a fair chance of modification of our home.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Your agency Violated my rights to privacy. Previous Letter I gave you a chance to delete this item. Now this my last attempt before i take legal action. The law you are violating is clearly here. The civil liability law which i will sue under is clearly here.. 
15 U.S. Code 1681 ( a ) ( 4 ) - Congressional findings and statement of purpose ( Consumer Right to Privacy ) ( a ) Accuracy and fairness of credit reportingThe Congress makes the following findings : ( 4 ) There is a need to insure that consumer reporting agencies exercise their grave responsibilities with fairness, impartiality, and a respect for the consumers right to privacy.

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 2017-05-23
Company: JPMORGAN CHASE & CO.
State: CA
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:
My wife and I were honeymooning in  XXXX  over the holidays in  XXXX . On our first day in  XXXX ,   XXXX   XXXX   XXXX  , we were taken unexpectedly through an elaborate manipulation that landed us in  XXXX   XXXX , a tailor that we thought at the time was legitimate but soon after realized we had been swindled out of {$1700.00} in clothes. Within the hour we immediately ran to the hotel, and confirmed our fears with the front desk who advised us to call our bank right away. So, we did. While my wife was on the phone with CHASE I used the hotels cell phone to call the store, talked with the owner and after much debate we hung up confirming the cancellation of the sale. As my wife wrapped up her conversation with CHASE what was understood on our end was that the charge would be placed on hold and would not go through. Our next course of action was to then take it up with the Fraud Department, which we did. However, in  XXXX  we received a letter in the mail that  Chase  ruled in favor for  XXXX   XXXX  because I signed a " no refund '' receipt. So I then contacted the  Executive  Office of Chase on   XXXX   XXXX   to, once again, explain our case. The Executive Office responded now that they can no longer help us either.    1 )   XXXX   XXXX  manipulated a sale. It is a fraudulent situation. There are many  XXXX   XXXX  reports stating the same thing. We would be happy to print them up for you and/or send web links for your records.    2 )  We called right away to confront and stop the charge. We followed  Chase  's directions which was to contact the merchant and agree on the cancellation of the sale.    3 )   XXXX   XXXX  is lying in their report. They never came for a second fitting to our hotel. They didnt make our garments already ; there is no way. Its impossible. We called them, and  Chase  within an hour after leaving the store.    4 ) If they DIDNT  cancel the sale then they should have sent the garments to our hotel in  XXXX  on   XXXX   XXXX   XXXX  , which was the initial agreed upon shipping location and date. That never happened.    5 )  We dont understand why the money was released and even processed to  XXXX   XXXX . The whole reason we called right away was to catch the processing of the payment before it went through, which we understood was successful on   XXXX   XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: Ditech Financial LLC
State: ID
Product: Debt collection
Sub-product: Mortgage
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XXXX I lost my home to foreclosure. There was a 1st and 2nd mortgage, both held by XXXX ( aka XXXX ). Both mortgages were recorded. 6 months after the foreclosure, I was contacted by XXXX as to how I was going to payoff the 2nd mortgage, which they called a line of credit. I told them it was discharged in the foreclosure as under my state 's laws a MORTGAGE lender has 3 months after the foreclosure to file a deficiency suit, which they did not do. So, I received XXXX for both the 1st and 2nd and filed them with my XXXX tax returns. The following year I received a letter from a collection agency on the XXXX. I disputed it and it went away. The next year a different collection agency contacted me again on the same already discharged debt. Again I disputed and it went away. Then in XXXX Green Tree contacted me demanding payment on the same discharged debt. I provided all the docs disputing it and heard nothing more. Then I discovered they had put it on my credit report, which I disputed it with the credit bureau and got it removed. 30 days later they put it back on now as Ditech Financial, LLC reporting. I disputed it with the credit bureaus again and again got it removed. Today XXXX/XXXX/XXXX I received from Ditech a XXXX Mortgage Discharge for this 2nd mortgage that was discharged in XXXX. I 've heard and read multiple places of this criminal activities by Green Tree which has been closed down by the Feds, and now is Ditech Financial doing exactly the same criminal things.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-31
Company: Jim Bottin Enterprises, Inc
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
ABC Financial Services Inc. is the billing company hired by XXXX XXXX XXXX XXXX XXXX health club. At the time that membership was agreed to a detailed contract was signed, naming ABC Financial Services as the sole company responsible for enforcing and collecting on amounts agreed to on the contract. I suffered an injury that made me unable to attend the gym and therefore need to cancel the annual contract. Repeated mis communication and increased charges became the trend, the most blatant is a " cancellation fee '' of {$50.00} not detailed anywhere in the contract. When I emailed them a scanned copy of the contract showing no such fee was disclosed, different responses were received including first, see our website for terms ( not referred to anywhere in the contract ), then later, speak to the gym management, of course gym management said to speak to ABC financial services. Fees to which I did not agree to, {$50.00} cancellation fees should not be charged, only what was agreed. This company needs to clearly disclosed in writing.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
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: Their investigation did not fix an error on your report

Complaint:
I XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the creditor however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other

Complaint:
Apparently Capital One has amended the Fair Credit Reporting Act. You really need to publish this particular bold infraction. I disputed a Capital One tradeline on my credit file. I received the attached letter from Capital One saying that they would not process my dispute unless I sent them a list of items in the letter. 
Now the FCRA only requires that I send my drivers license and a utility bill along with information from my credit file and the nature of my dispute. They also are mandated by federal law to record the current status of the item or delete it from my file. I sent this dispute on XXXX XXXX. I know the bureaus send the dispute to Cap One through E-Oscar and give them 10 days to respond. But it is now XXXX XXXX and Cap One says that they wo n't even process this dispute unless I MAIL them the items in their letter. How is this possible? There is no way that the bureaus can comply with the 30 day maximum time frame for processing ... so the item will remain on my file because Capital One is breaking federal law and usurping the bureaus administration of my dispute. This has all the ear marks of a huge class action lawsuit. Consumers having their disputes pressed beyond the 30 day time frame because Capital One refuses to comply with section XXXX of the FCRA and the bureaus being wilfully negligent of section XXXX simply because Capital One does not want to respond in their ten day time frame. 
I was told that XXXX XXXX once went to Capital One to discuss consumer disputes and their handling BY Capital One ... and that the XXXX XXXX representative said : " We want to make our database look just like your data base '' ... .but I never thought that the bureaus would get out of compliance with federal law BECAUSE of Capital One. 

This could be a landmark case for the CFPB

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: NC
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 XXXX XXXX am filing this complaint on behalf of myself for false reporting misleading information. This complaint has not been filed by a third party nor was it filed in error. You said that these items were verified by the collection agency however there is nothing notated on my credit reports that these items were ever disputed. That is a violation and these items need to be deleted.

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