BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
My wife, XXXX XXXX owns an IRA account at Capital one 360 which is an internetbank, formerly Named ING Direct. As a result of illness she has become XXXX andI have obtained her Durable power of attorney. As she has not taken her requireddispersment of funds for 2015 as required by the IRS, I contacted Capital one 360and attempted to do so. I was instructed to submit her Power of attorney by fax andI did so on XXXX/XXXX/2015 Sending it to their operations department as instructed. They Informed me that I should call back in five days for the power of attorney to be processed. 
When I called on XXXX 2015. I could not get any Information from them. Not even thatthe power of attorney had been received. I talked to an agent and later to his supervisor. 
the only thing I could get from them was that they wanted me to send them a notarizedform stating that I would not pursue any form of redress against them. Which makes methink that they are acting illegally. 
My wife 's customer number is XXXX. Her IRA account number is XXXX. Heraccount balance is in excess of {$17000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2018-01-20
Company: Fidelity National Information Services, Inc. (FNIS)
State: CA
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:
It all started sometime back in XX/XX/XXXXwhen I was a loyal and good customer of both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. I had my bank accounts at the two banks including my 2 checking accounts that this complaint is in reference to. On the same week in XXXX, a very small mistake was made at both banks. At XXXX XXXX, unbeknownst to me, I had deposited an envelope into the ATM machine with insufficient funds. The same week, I had deposited a business check into my account at XXXX which later was returned as insufficient funds. Before I was able to return back to XXXX XXXX to resolve the issue, both XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX closed my bank accounts and reported me to Chex Systems. I have resolved the issue with XXXX XXXX and XXXX XXXX XXXX XXXX XXXX and paid them the amount I owed them. I also got statements from the banks stating that I have paid the accounts off and that they will notify Chex Systems to remove the negative reporting. I also sent these letters to Chex Systems as proof. Chex Systems has now had me actively in their system for 5 years now. This has prevented me from opening any bank accounts even until today. I am still unable to open an account which has clearly affected my life drastically. I am a US citizen who was born in XXXX XXXX, CA, USA who has worked very hard, who is very honest, and who was once a very young and successful man before these incidents/reporting 's. Since Chex Systems has kept this incorrect reporting of me even after I have paid the banks off and resolved my issue with them and provided them proof, my way of life has taken a turn for the worst. The inability to open any bank accounts and the negative reporting inside Chex Systems database has led me to close all of my businesses, lose all of my business partners and investors trust and relationships, and has recently finally led to relying on the governments assistance to survive. I am now on XXXX and I have lost all of my credibility in my community. My mental health has declined drastically, and I am suffering from serious XXXX. This is all due to the false reporting and unethical and immoral practice by Chex Systems. There should be a new and improved FAIR system that determines accuracy of reports from banks to the reporting agencies and vice-versa.

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 2015-09-09
Company: Ocwen Financial Corporation
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I applied to my mortgage servicer, Ocwen Loan Servicing LLC, for a loan modification XX/XX/XXXX as was laid off XX/XX/XXXX. Ocwen would not consider this until I was officially behind in my loan payments. After four attempts, the loan was modified XX/XX/XXXX, with a XXXX trial payment due XXXX XXXX. I was told NOT to make any loan payments until the trial period started. This resulted in Ocwen reporting me as 90 days late on my mortgage. This is in addition to the 60-day lates that were mandatory for me to be considered for a modification. Now I am unable to sell the home and purchase a much cheaper XXXX, as the late payments have ruined my XXXX score and made me ineligible for any type of new mortgage. My request is that Ocwen contact all major credit bureaus and remove all of my late payments for the last 12 months. I suspect it was illegal for Ocwen to insist that I let my loan go into arrears to qualify for a loan modification, and now I am trapped in a home I can not afford, even though I have opportunies to sell and pay off Ocwen 100 %.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In or around XX/XX/XXXX, my former JC Penney credit card account was turned over to XXXX XXXX XXXX, a Debt Buyer in XXXX, VA. 

XXXX XXXX began reporting this alleged XXXX XXXX to all national credit bureaus, in or around XX/XX/XXXX. 

XXXX XXXX blatantly misrepresented this alleged Matter from the very beginning, by reporting it as a Brand-new Collection Account, each and every month. 

They did this in : XX/XX/XXXX/XX/XX/XXXX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX ; then, in XX/XX/XXXX/XX/XX/XXXX/XX/XX/XXXX. 

As XXXX XXXX is a Collection Agency to begin with, if an account is with their office, then it is automatically a Collection Account. 

Reporting the Collection Account as being a Brand-new Collection each and every month is a blatant misrepresentation of factual credit account activity, and an attempt to make XXXX types of negative reporting 's, on the same account, at the same time. 

Following my Disputes regarding this Matter with numerous Consumer agencies, I observed that Experian, as of XX/XX/XXXX, removed the inappropriate reporting 's of " Collection '' from XX/XX/XXXX through XX/XX/XXXX, a total of XXXX reporting 's removed. 

However, XXXX continues to report ( as well as inappropriately reports ) this same Matter as being a Brand-new Collection as of XX/XX/XXXX. 

This is a lie. 

If XXXX reported this was a Brand-new Collection beginning in XX/XX/XXXX ( 11 months ago ), IT IS NOT a Brand-new collection almost one year later, in XX/XX/XXXX. 

This is nothing more than an underhanded maneuver by XXXX XXXX to " update '' this alleged Matter by XXXX year, thereby significantly increasing the negative effect on my credit scores. 

Further, as XXXX XXXX has removed the XXXX ( XXXX ) highly inappropriate reporting 's following my Disputes of this Matter, this would clearly indicate that the prior reporting by XXXX XXXX was in fact inappropriate ; that is why they removed it. 

This would bring significant doubt as to the credibility of XXXX XXXX, and their credit reporting, as a whole. 

Last but not least, XXXX XXXX reports an alleged balance of {$2000.00} owing on this alleged Collection account, to XXXX. 

However, at XXXX, an alleged balance of approximately {$1400.00} is reported ; a difference of nearly seven hundred dollars. 

This represents a very significant discrepancy in credit reporting between XXXX different bureaus, by the same alleged creditor. 

Given the multiple occurrences of contradictions and discrepancies in their reporting of this alleged Matter, I respectfully request this Matter be fully removed from all major credit reporting bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I 've had a problem with Capital One Bank for months now. My account information was stolen and there were several out of state purchases made with both mine and my husband 's debit cards. Capital One refused to investigate and return us the money although they do advertise a risk free debit card. They basically blamed us for everything and did nothing even after we proved that we were not at the place where the charges were made. Their customer service is the worse and we are beginning to suspect it might have been their own employees stealing our account information. We have worked with other banks and are currently using a different one but never encountered this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I've contacted early XXXXto request that these addresses are fraudulent and they are still on my report. My personal information has been compromised from one of these fraudulent addresses and I demand that they be removed immediately or I will have my attorney go forward with a lawsuit. Every address listed are to be removed asap : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX OH, XXXX XXXX XXXX XXXX XXXXVA, XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-05-02
Company: Credit Service Company, INC
State: CO
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
XXXX   XXXX   XXXX   XXXX   (  XXXX  of    XXXX   XXXX  , Co. ) was was contracted by hospitals for medical bills I could not afford to pay when I became  XXXX  in  XXXX . The court awarded them {$2000.00} to get from me in  XXXX . Meanwhile I went to work for  XXXX   (  who hires the  XXXX  ) in order to try to pay some of my medical bills and    XXXX   XXXX   gar nished my wages an amount of {$1300.00} in  XXXX . Until labor laws made it unlawful to garnish wages when a person only makes minimum wage. They never sent a bill for the remaining amount until this year they ran it back through the court and never claimed they had already collected the money they had garnished and only claimed the original amount awarded was still unpaid. Now they are trying to collect the full amount awarded by the court of {$2000.00} all over again. I have documents to prove all of this.   Thank you  XXXX   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 2022-10-02
Company: CITIBANK, N.A.
State: AL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
I attempted to cancel my credit card account with CitiBank. After spending XXXX minutes on the phone with the company, and confirmation from the company that my account is cancelled, I received a email that they have opened up a new account in my name. I did not authorize this. I believe that my account is cancelled now that I called them back. However I wish to ensure this.

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 2022-01-01
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Account opened as a result of fraud

Complaint:
Dear Officer My bank and credit accounts were hacked and I was scammed. 

On XX/XX/XXXX where I try to lock into my XXXX personal bank account while appears a screen showed that my account was locked please call ( XXXX ) ) the security department of XXXX XXXX bank. I was told that someone try to steal my bank money and the person named XXXX XXXX ( with a strong XXXX accent ) asked me to corporate with them to do investigate the fraud. 
( 1 ) On XX/XX/2021, He ask me to use a debit card purchase an XXXX gift card for {$2500.00}, and send the invoice to the person named himself XXXX XXXX ( with a strong XXXX accent ) at ( XXXX ). He calls this the tracking fund actually he moved my {$890.00} from my saving account to the checking account that I did not know. 
( 2 ) On XX/XX/XXXX, XXXX asked me the deposit cash of {$10000.00} called virtual fund to the Chase bank ( CHASE account is owned by XXXX XXXX XXXX the account number is XXXX, the routing number is XXXX account owned address is XXXX XXXX XXXX XXXX XXXX ) Actually, he cashes the {$10000.00} from the XXXX credit account which connects to my checking account by using a cash advance payment that I did not know. After depositing in a half-hour, I went back to tell the cashier that I was scammed and do the wrong deposit and ask my money back, The cashier told me that I am not their customer so they can not talk to me and give me the money back.

( 3 ) I kept the text messages and conversation voices on my phone. 

Summary : We know the money is illegal and the money is in the CHASE bank account but the CHASE bank does not want to talk to me about the fraud deposit that I really do not understand. The CHASE BANK Branch is locked at XXXX XXXXXXXX XXXX XXXX NY XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-27
Company: Receivables Performance Management, LLC
State: GA
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:
RECEIVABLE PERFORMANCE/XXXX has consistently troubled me over a debt of {$960.00} that I do not owe or have any prior knowledge of, as I 've never had any contract communications account with XXXX before. Their deliberate infusion of this account on my credit profile is impeding on my ability to currently obtain any credit. 

Receivable Performance must delete it from my credit report with deliberate speed. 

Thank you!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I, XXXX XXXX, had Capital One credit card for few years. I had some balance transfer to capital one from other credit card companies and was paying the payments til I found out there are some extra and unknown charges in my account. It was about 2012 that I contacted Capital one to clarify the charges, they just promised to send me detailed information like any signed receipt/slips, but since then they never did except keep sending me all statements from beginning. The Capital One said they can not provide any transaction receipt to me. I was paying monthly fee and expected to receive any response about my inquiry but no response since then. I stop paying my payments and sent them letters and letters and inquired at least a copy of singed receipt by me but the Capital One ignored and said they believe all charges are correct. The Capital One sent my case to XXXX XXXX XXXX, XXXX office and they filed case at court and got the judgment against me while they promised me to provide clear information about the charges and I was paying the minimum payment to XXXX XXXX XXXX XXXX as they demanded. I have asked the Capital One and XXXX XXXX XXXX, XXXX many times and disputed the charges but they Just send me letter that they verified the charges and found out all are correct. If they verify the charges and believe all charges are correct then why they can not send me any proof that charges were done by me. They asked me to provide them any documents that confirms otherwise. I am wonder how can I provide them documents that the charges are not mine.They have to send me proof of charges that have taken place by me. Although, I accept some charges are mine but not all. They do n't want to verify my charges with me and neither are working with me to solve the problem. They asked me to send the a statement for all charges that I confirm, which I did. But instead of checking my charges, The Capital One keep sending me pages and pages of statements without any receipts that was signed by me. I as an social security income receiver can not afford to hire an attorney so I need your help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: Southwest Credit Systems, L.P.
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
Hello... The 'date of delinquency ' is not being honestly accurately submitted. Southwest Credit has submitted that the 'date of delinquency ' was XX/XX/XXXX ... yet that is wrong. It may be true that a prior collections agency had been assigned before the agency of Southwest Credit, however, that does not give them permission to alter dishonestly the dates. In fact the date of delinquency was in the year XXXX ( when I had been living in XXXX, XXXX ). 
Therefore I demand as my consumer rights the following : 1. I demand historical documentation of any and all prior assigned collection agencies.

2. I demand the date of delinquency on a XXXX XXXX XXXX letterhead meaning the first charge off notice.

3. If the agency of Southwest Credit does not reply faithfully and honestly, I demand that the CFPB delete this reportable account from my credit file right away. 
Respectfully and sincerely, XXXX XXXX. 
( XXXX ) XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Capital One continues to Report a balance owed on my account in my credit report, after this account was sent to collection/charge off in XXXX. They continue to raise my amount owed on my credit report although in collections, this continues to lower my score and shows my credit utilization is at 206.40 %. 

I have spoke with collection agency to settle debt as well as Capital One who have threatened to continue to report increasing balance if I do not pay in full. This account was to be taken over in XXXX of XXXX through a divorce decree and is not my liability at this time and is my ex-husband 's however to settle the debt so I can re-establish my own credit, I was willing to pay a settlement of which I could afford. 

However, they continue to report after sent to collections of an increasing balance. Captial One will not work with me or the collection agency to correct this debt and have removed as a liability from my credit report. As well as help settle this debt. 

How can no one work with me to accept what I can offer to pay or I can wait for the statute of limitations in XXXX and have it removed then?

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
My credit acceptance account was opened XXXX. The car was stolen and I was unable to continue payments in XXXX. In XXXX or XXXX the wrote the account off as a bad debt. Then recently they ran my credit without my knowledge and reopened this same account amd started reporting it as non payment after they already wrote it off.

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 2016-12-04
Company: Blackhawk Network Holdings Inc.
State: NJ
Product: Prepaid card
Sub-product: General purpose card
Issue: Fraud or scam

Complaint:
I purchased to 'Simon 5 % back ' Giftcards, with a balance of XXXX on each card. The card has a promotion that if it is used at certain merchants, 5 % of the purchase will be refunded to the card. I made a large purchase at XXXX for approximately XXXX, using my XXXX cards. XXXX is one of the merchants included in the promo. So 5 % was refunded to both cards. I subsequently returned the merchandise to XXXX and they credited the funds back to the cards. At this point Blackhawk Network ( BHN ) blocked my cards. It is very difficult to deal with them. It took a week for them to even do anything. They asked for receipts of the refund, which I promptly provided. I called back and asked why is the card still blocked and was told that they want proof that the promo funds were added to the card. I have no such proof or way of providing that. THEY KNOW it was added to the card and THEY BLOCKED me from seeing the card activity. So basically they are insisting that I provide information that ( 1 ) they already have ; and ( 2 ) they are withholding from me. Now we are talking about {$1000.00}. I ca n't afford to play games with this shady company.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KS
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One refuses to open credit card dispute/chargeback over the phone even though their web site advertises that you can open a dispute over the phone. http : XXXXI called them twice and they refused to open the disputes both times and tried to forward me over to the merchant instead.

Company response to consumer: Closed with monetary relief