BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Transaction issue

Complaint:
We have CapitalOne credit card line for {$1000.00} for me XXXX XXXX and my wife XXXX XXXX since XXXX 2016 ( XXXX ). Voluntarily using the credit card agreement they change the processing times with account information from XXXX XXXX XXXX setting up different payment dates and processing times intentionally damaging our family budget and credit worthiness. I have already filed complaint with Consumer Protection Bureau Illinois Attorney General against Capital One. XXXX XXXX XXXX already tempted us out to file bankruptcy because they did not report repayment of {$15000.00} debt and I reported that to Federal Trade Commission. Bankruptcy discharge order and bankruptcy case enclosed. All XXXX XXXX XXXX accounts went under bankruptcy with " XXXX '' balances ( bankruptcy case XXXX in United States Bankruptcy XXXX XXXX XXXX of Illinois ). I am looking forward to you stop intentional financial sabotage by these XXXX financial institutions and stop organized harassment of our family CapitalOne and XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Experian Information Solutions Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
their is company called XXXX that re reported me after the time limit has expired and after they deleted me experian has not helped in removing them even that i sent the prove which you will find in attachment

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 2016-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Transaction issue

Complaint:
I received an email on XXXX/XXXX/16 that my Kohls credit card was past due. I thought I had scheduled a payment. I accessed their website on that day, the website did n't show a payment or a pending payment so I scheduled a payment as I must have forgot to schedule a payment for my XXXX bill. Now I have a payment out of my checking account on XXXX for approx. {$400.00} and a XXXX payment on XXXX for the same amount. So the second payment overdrew my checking account and kohls has a XXXX payment showing on their system which has n't been deducted from my checking account. They ca n't explain the XXXX payment. They think it wo n't go through but ca n't guarantee it. I asked for the refund of the XXXX payment and they indicated that it would take weeks for me receive by check. They indicated that had I done it through a representative that they could have electronically refunded me the money. I think holding on to my money for weeks is wrong since I have now incurred fees on my checking account.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-12
Company: Synovus Bank
State: IL
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:
To Whom It May Concern : I am writing to dispute the charged-off account and inaccurate reporting associated with the above-referenced account number XXXX, as reported by First Progress. 

I would like to note that the account in question was discharged through a XXXX  XXXX bankruptcy filing ; however, the focus of this dispute is not related to the bankruptcy itself. 

Despite not receiving Form 1099-C ( Cancellation of Debt ) from First Progress, which is a violation of the Internal Revenue Service ( IRS ) regulations, I have filed the discharged debt as income on my tax return, as I understood it to be a requirement. The failure to provide the 1099-C is a breach of the IRS tax code, and it is my understanding that you have taken a write-off for the debt in question.

It is important to note that income is not required to be reported on a consumer report under the Fair Credit Reporting Act ( FCRA ). Section 605 ( a ) ( 4 ) of the FCRA specifically outlines that consumer reporting agencies may not include any information in a consumer report that is related to the receipt of public assistance benefits. It is my belief that the income reported on my tax return, which includes the discharged debt, qualifies as public assistance benefits and is therefore exempt from reporting on my consumer report.

I request that you investigate this matter and verify the following : 1. The accurate reporting of the charged-off account on my credit report, considering that I have filed the discharged debt as income on my tax return despite not receiving a 1099-C from First Progress.

2. The validity of the reporting of the charged-off account. 




Please provide documentation supporting your findings and any actions taken to rectify the situation. If the investigation reveals inaccuracies in the reporting of the charged-off account, kindly remove the information on my credit report. 

If you maintain that the information reported is accurate, please provide me with a detailed explanation and any supporting documentation, including a copy of the signed agreement that established the debt and any other relevant information. 

Additionally, I request that you provide me with the 1099-C you failed to issue, as required by the IRS regulations .

I kindly request that you respond to this dispute within 10 days, as the Fair Credit Reporting Act ( FCRA ) requires. Failure to do so may result in further actions, including filing a complaint with the Consumer Financial Protection Bureau ( CFPB ) and seeking legal counsel. 

Thank you for your prompt attention to this matter. 


Sincerely, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: The CMI Group, Inc.
State: MO
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:
Credit Management is collecting a debt that I do not owe. I paid this debt to XXXX XXXX XX/XX/XXXX. Credit Management has it on my file from XX/XX/XXXX. This is outside of the obsolescence time frame for staying on my bureau. 

I called Credit Management today and they said they do not even have the account in their office. They said it was " withdrawn '' by XXXX XXXX ... yet it continues to be on my credit files.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-17
Company: Kriya Capital, LLC
State: KY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
on XX/XX/2016 I reach a settlement with Credence Resource Management LLC . On the same day I sent a certified check for the agreed amount of {$900.00}. On XX/XX/2016 the certified letter containing the check was sign for by their employee. On XX/XX/XXXX, they claimed they employee did not work their and to send and additional {$900.00} dollars. I refused stop payment on check at my bank. Since then I have received numerous phones calls. I feel they should honor their settlement offer.

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 2016-02-08
Company: Fidelity Properties Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I owed XXXX on a medical bill, I told this company I would be more than happy to pay once I received an itemized bill explaining where the charges came from. At first they agreed. But a bill never came that stated the debt. Instead all I received was a bill with the date and the amount. I called again asking for an itemized bill and was refused. I was told that they would not and could not request another copy and thay if I wanted to know what it was pertaining too I would have to call the hospital myself. I also received a letter threatening legal action if I did not pay, and to notify my employer of the nonpayment. When I confronted them that this was illegal the response was " I did n't know that '' I have since made the payment on the bill but do not believe it is truly owed. As no proof has ever come to me. I did call the hospital and they claim it is for a XXXX, yet no bill has come yet.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: Porsche Financial Services, 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 status incorrect

Complaint:
Hello, I have been disputing a XXXX auto with XXXX for some time now. This account is past the statute of limitations for California XXXX 7 years from XXXX, which is XXXX ) XXXX  and XXXX have followed the FCRA and removed the account but XXXX  refuses. I spent over XXXX hour on hold to be told they could do nothing more then dispute it which I have done XXXX times over the last 2 years. XXXX is violating the law by updating the XXXX to XXXX, which is incorrect as I have had XXXX communication with this company since XXXX. XXXX tells me that they can only go by whats reporting and XXXX is not violating any laws by doing so. I have applied for a home loan and was denied do to the XXXX account and the XXXX balance owed. Please help me rectify this situation as they are clearly breaking the law.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-13
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have sent the information for an escrow analysis to be done on my mortgage account since XXXX XXXX. 2016 and have yet to receive a reply. But every two months my escrow continues to go up. I asked to speak to a supervisor and still have yet to receive a return phone call or any answer. I have gotten approved for a homestead exemption for {$20000.00} less than last year from XXXX County Tax Appraiser office and my home owner 's insurance has not increased.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-10
Company: Specialized Loan Servicing Holdings LLC
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
SLS is attempting to do fraud on this loan by illegally inflating the value of the property because they did n't like the value they just got back from their own paid for interior bpo. On XXXX/XXXX/XXXX was advised that the lender 's interior value came in around XXXX which was around the amount of my current offer. At that time we countered buyer to highest and best and received an offer meeting the lender 's counter. On XXXX/XXXX/XXXX lender confirmed receipt of docs and stated file was under review. On XXXX/XXXX/XXXX was advised that the file was closed due to requested docs however the file should of not been closed as they gave no time for us to submit the XXXX pieces of paper they were looking for. On XXXX/XXXX/XXXX was advised there was a sale date which is a violation of CA anti dual tracking laws as this file was in a foreclosure alternative program and we were then advised that SLS decided to revise up their value to XXXX. This is completely unethical, illegal, illogical and unacceptable. SLS decided on their own to take an old report and try and selectively pull old data to inflate the property value as is today. The market is contracting, not expanding so any data from a month ago, 2 months ago or 3 months ago is not reflective as to what is happening today. SLS hired a licensed professional to assess the property as of this month and that value came in at XXXX that is the value. SLS needs to CEASE and DESIST from illegally trying to inflate property values which is exactly what happened in XXXX which led to the housing bust.

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 2016-02-23
Company: ARVEST BANK GROUP, INC.
State: FL
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Dear Sirs and Madams Arvest Bank, Arvest mortgage is now saying that there is other funds of {$2000.00} in complaint XXXX as a response. But before they did not mention any of those funds at all from Insurance claim, a Claim of funds in anyway you look at it are funds to be used for the purpose of repairing my Homestead. So I 'm a little confused of you sending me the funds to my name as shown in that case XXXX let me get this straight I 'm behind on monthly mortgage payments and you are so kind to give me a check {$2000.00} ( DOES THAT MAKE ANY SENSE ) I will not commit fraud by me cashing that check as I see those your intentions those funds belong to General contractor and mathematics are {$87000.00} + $ XXXX $ XXXX of course Arvest Bank, Arvest Mortgage do as they wish I guess changing Mathematics as well, I will continue to due the correct and the lawful thing which is put VOID in that check as it does not belong to me. Where ever those funds are at this time your guess is as good as mine but XXXX XXXX does NOT have those checks. In reference General Contractor Contract which you have all XXXX XXXX with my signature with XXXX XXXX with a notary stamp on it. If you did not agree with contract you have you should have gotten a revised Contract from XXXX XXXX. But instead you gave him a check for the amount of {$19000.00} at this time XXXX XXXX XXXX tells me that is a legal binding of Contract with Arvest Bank, Arvest Mortgage, Central Mortgage and myself XXXX XXXX. You have received a 100 % completion of his work by your choice of Inspections and till this date you keep saying that the checks have been distributed but at the end of the day XXXX XXXX has only received {$19000.00} plus {$10000.00}. You can dispute all you want as well as your Mathematics skills. This hole ordeal is making my health to deteriorate getting XXXX not being able to sleep or eat or function. How much can a person take XXXX Get sued by Arvest Mortgage XXXX My father gets diagnosed with XXXX XXXX XXXX I loose my XXXX XXXX XXXX father passes away XXXX XXXX House XXXX down XXXX Negotiating back and fourth with Insurance trying to match General Contractors numbers for 6 months XXXX XXXX attorney gives my rights away in a NON-Jury that I was not aware XXXX XXXX Arvest Bank, Arvest Mortgage, XXXX Bank, XXXX XXXX break in to my Homestead and steal what little I had left XXXX XXXX a LIEN on my home not being able to modify with 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 2016-01-06
Company: Resurgent Capital Services L.P.
State: TX
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:
LVNV FUNDING put collection on my credit for a XXXX account. I had insurance with XXXX. I lost my job and filed a claim with the insurance. The insurance paid it. I sent for validation from LVNV and they just keep ignoring me and not sending anything, yet they continue t report this error on my credit

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-14
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a letter from Synchrony Bank stating I had made an application for credit with XXXX. They requested I call to give them additional information. I called the number provided and was asked for my social security number. I did not give it to them. I asked that my name be flagged as having been the victim of attempted fraud.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-11
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
My name is XXXX XXXX and I am a XXXX XXXX with XXXX XXXX XXXX in XXXX XXXX. I am writing in regards to an investigation of financial abuse for a client.
On XX/XX/XXXX I submitted a request for a year 's worth of bank statements from Wells Fargo. On XX/XX/XXXX I received a response from XXXX XXXX stating that I would need to provide a signed authorization from the client to release the statements ; however, my client was XXXX and I obviously could not obtain that form from her. In addition, I could submit a signed POA form noting myself as her attorney-in-fact, but I am a XXXX XXXX with a county agency ( XXXX ) who has no authority to become POA for a client. It is in fact unethical and against policy for me to do so.
On XX/XX/XXXX I sent a response to the Denial of Request which is from the XXXX XXXX XXXX XXXX XXXX which stated the laws pertinent to this request. OnXX/XX/XXXX XXXX XXXX of Wells Fargo sent me the same response fromXX/XX/XXXX.
I have attached the correspondence to the file below.
It is quite unfortunate that a bank such as Wells Fargo will not protect their clients who are victims of financial abuse and cooperate with XXXX XXXX XXXX so that we can complete our investigation. I would like to see Wells Fargo complete my request, which is seen in the correspondence documents.

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 2015-10-27
Company: CITIBANK, N.A.
State: CA
Product: Credit card
Issue: Other fee

Complaint:
This has been reported to credit bureaus, my interest rate on several other cards has been impacted!! Been disputing late fees for over 6 months now, received cryptic/acknowledgement email from Macys but nothing has been done to my account. 

I submitted via email additional information from my bank and sent follow up today since i received another statement with additional late fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-10-11
Company: BRite Financial Services, Inc.
State: MI
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Struggling to pay your loan
Sub-issue: Lender trying to repossess or disable the vehicle

Complaint:
On XXXX XXXX I contacted my auto finance company with hopes to change my payment due date or frequency of payments from bi weekly to monthly. Explained I 've been experiencing hardships and late payments with current arrangements and wish to continue leasing with on time payments made monthly and avoid issues with my residence which is affected as well.I was told after my first initial on time payment i would qualify that was in XXXX of XXXX all payments have been made and I am current on my lease. I was denied a due date change as well as a payment arrangement which would have the charges paid in full within XXXX weeks of original date of XXXX XXXX as it aligned with my pay schedule. I was also threatened with repossession and disablement of the vehicle if a payment was not received. Im devastated I have no desire to default on my lease or ruin my credit or compile extra fees or charges. I understand no willing to change my payments from bi weekly to monthly but not accepting a payment arrangement is outrageous and unethical

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
My XXXX loan was from XXXX XXXX ( From XXXX XXXX/XXXX/XXXX ) transferred to XXXX on XXXX/XXXX/XXXX and now got transferred from XXXX to Bank of America on XXXX/XXXX/XXXX. I have been paying online on time and I was charged {$12.00} XXXX from XXXX to XXXX. I received a check from you regarding a penalty refund from XXXX XXXX ( CASE XXXX Document XXXX Filed XXXX/XXXX/XXXX Page XXXX of XXXX http : XXXX ) XXXX stopped charging me the {$12.00} online fee effective XXXX to XXXX. 

When my loan was transferred again to Bank of America effective XXXX/XXXX/XXXX, I have been paying online on time before the grace period. On XXXX/XXXX/XXXX, I was charge a {$6.00} fee and my grace period is until the XXXX of each month. Is this a valid charge? 

My first mortgage at XXXX has not charged me any of these fees. I have been paying online on a timely manner since XXXX. 

Please advice.

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 monetary relief
Consumer complaint received 2016-05-23
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regions bank in error ordered checks for my account and then charged my account {$30.00}. This caused a NSF fee on my account. After calling three days I got the {$30.00} fee refund but not the {$36.00} NSF. They also tell me my address is not correct even though I receive statements and mail. I have never moved addresses. I believe regions bank has compromised the security of my account by allowing checks to be ordered on my account without my permission and also for the address on my account to be changed in error and without my authorization.

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 monetary relief
Consumer complaint received 2015-08-27
Company: EOS Holdings, Inc.
State: CA
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Today I received a call from EOS-CCA, a collection agency regarding a student loan in my daughter 's name. I am not a party to this transaction. I filed a complaint regarding XXXX XXXX XXXX continued calls ( XXXX calls to me ) after I informed them I am not a party to the transaction and to stop calling me - see complaint # XXXX. 

In XXXX response they stated the turned the transaction/collection back over to the bank, now I am getting calls from this company! 

I told them the same thing, and asked them to stop calling me which they said they would. 

My problem with these tactics is that the bank/lender is shopping this around to new collection agencies and we start anew each time and I get harassed over and over. 

Should the bank be responsible to notify the collection firm that I am NOT the debtor and not to contact me. Likewise, is the bank responsible for my ongoing harassment as they are providing my contact information to these firms and I have NO relationship with this bank. 
SincerelyXXXX XXXX

Company response to consumer: Closed with explanation