BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-05-26
Company: Servis One, Inc., Titusville, PA Branch
State: ME
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
BSI financial is failing to complete review for loss mitigation within 30days after receiving a complete package and acknowledging it is complete on XXXX/XXXX/2015. See attached letter. They also were slow to acknowledge receipt of package. Request for mortgage assitance was fax to BSI on XXXX/XXXX/2015 and recieved a confirmation of receipt letter dated XXXX/XXXX/2015 same day as a request for additional documents were made. Submitted all additional documents on XXXX/XXXX/2015 and they have not requested anything further. Point of contact does not return calls and other representatives can not give status update. Left message for XXXX XXXX on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 and again on XXXX/XXXX/2015 for a status update and have not gotten a return call did talk to XXXX XXXX on XXXX/XXXX/2015 and he advised something was approved and in route but have yet to receive anything. Escalated case today with XXXX XXXX.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
I currently have a 5 year adjustable rate mortgage with Capital One that was coming due at the end of the year. I contacted Capital One to get information about possibly converting to a 15 year or 30 year fixed rate mortgage to compare with my renewing my existing mortgage. Capital One refused to let me see a contact to have my attorney review. I was told to give credit card info and they will send me documentation with all fees, rates, closing costs etc. and my credit card would not be charged unless I went ahead with the mortgage loan application. I did not accept the fixed loan options but Capital One went ahead and charged my credit card {$450.00}. I have reached out to Capital One and they forwarded my concerns to their Advocacy Team who have been very arrogant. They and the mortgage team at Capital One claim they can not see my current mortgage information even though it is with Capital One. Capital One bought out ING who was an outstanding financial institution to do business with. Capital One mortgage personnel were high pressure, doom and gloom spewing and had no regard for the customer and did not listen to what I was asking even though I repeated clarified that what I wanted was just information on rates and costs associated with the different mortgage options. A mortgage is usually the biggest financial decision most people make in their lives. Capital One believes that customers should not be able to see the actual mortgage documentation and should make a decision based purely on a verbal estimate from their mortgage specialists. Wow. Their mortgage specialists have no regard for the customers best interests and are driven to sell costly options which only benefit their own sales personnel.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A fraudulent credit card account was opened in my name on XX/XX/2016, and I received a letter from Capital One stating they believed the account MAY be fraudulent. Ya think?! Clearly their vetting processes for applications are the worst. I called in immediately to tell them it was in fact a fraudulent account and the man I spoke with confirmed there were no transactions and the account would be flagged as fraud AND CLOSED. Fast forward 2 months later when I decide to pull my credit report to dispute some of the fraudulent inquiries, and the Capital One account was show as Open and Active on my credit report with a credit limit of {$2000.00}! So an account they knew was fraudulent and that I confirmed was fraud, was never actually closed. I called in again today to sort it out and the woman I spoke with was very nice, but I believe in part that was because they knew this was a huge mistake. She confirmed that the account was flagged as possible fraud, that their records showed all my phone calls were noted, and even that the last agent confirmed in his notes that the account would be closed, and it was NOT. She confirmed very honestly that the proper procedures were not followed and it was an error on their part. Fine, but now I have had a fraudulent account open in my name, affecting my credit score for 2+ months when it should have never shown up in the first place! Capital One should be put out of business. MY TIP : If you receive any letters indicating possible fraud, call immediately and ask to speak with fraud supervisor. Also get their name, employee ID and confirmation that a letter stating the closure of the account will be sent to you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-03-28
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Fraudulent applications may have been submitted in my name by two companies and may have been used to apply for credit or purchases without my consent. I have contacted in XX/XX/2022 Bank of America XXXX and the representative claimed there is no record of me with any account or application for credit. I also contacted XXXX XXXX XXXX XXXX and the representative stated she could find no record and would resolve the matter and report to have the inquiry removed. I have not heard from any of the companies and my credit report still reflect these inquiries. Finally, I submitted a fraud report to XXXX and was instructed to file a report with FTC.gov and was directed to CFPB.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-18
Company: PNC Bank N.A.
State: UT
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Recently reviewed my XX/XX/XXXX report and noticed PNC bank accounts that were removed and some that were closed due to fraudulent transactions. I am requesting for PNC bank to remove any debts from my name for any checking accounts as I havent used any accounts with them since 2002.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
Capital One Bank and their lawyer XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Pa filed suit against me in XXXX XXXX, case was dismissed on XXXX/XXXX/XXXX in XXXX XXXX PA Dockt XXXX by XXXX XXXX. Sheriff dept has posted XXXX notices on my door, with XXXX Tape, telling me that I am being served under this same docket again, and when I look up docket, case is scheduled to be heard again in XXXX. My rental property was severly damaged by hurricane XXXX in XXXX XXXX, and I tried to negotiate with creditors including Capital ( 5 year 0 % percent interest payoffs ). They would not cooperate and I could not afford to pay their high interest. XXXX is suing me again and my story is the same again. Give me a 5 year payoff at 0 % and I will make good on this balance. I also recently received a demand letter from what appeared to be a XXXX branch of capital one for the same dollar value and I wrote back explaining the same, is this bank for real? All I want is a reasonable payment to settle this account, if you sue me, I will eventually file bankruptcy.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
My issue is with capitalone. I purchased a new car last from XXXX XX/XX/2016 and Capital One approved my car loan for six years. XX/XX/XXXX/XX/XX/2016, I paid {$20000.00} on the car. However, Capital One is charging me $ XXXX month, I assume since I knocked {$9000.00} in interest capital one needs to make back the interest they lost they did not change my car payment to {$86.00} a month for five more years.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-01
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I was on vacation in XXXX and when I came back I was surprised that my information was compromised. the bank manager asked me to update my credit burea details, spoke to an assistant for more than 15 minutes and nothing was resolved. my account is overdraft XXXX dollar. there have been several fraud attempts, credit card payments of XXXX dollars and names that I don't know, and my account is still negative

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 2016-11-19
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I have initiated several disputes with this credit bureau in regards to fraud on my credit report. Last year I noticed some fraudulent activity and went through your ( FTC ) website for information. It instructed me to fill out and have notarized an FTC Fraud affidavit. I 've sent the Affidavit 3 times with all supporting documents. Also I 've sent the FTC Fraud affidavit to the collection agencies. In the documents I am attaching today you will see when and where the bureau received my documents/letters. 
This has all been hard enough, and with this credit bureau not doing their role to protect the consumer it 's very disheartening. I 'm hoping with you help I can get this resolved for my family. Thank you for being a voice for the consumer.

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 2023-03-28
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
Please remove all fraud alerts and extended fraud alerts from my credit TransUnion : # HK # EFCRA EXTENDED FRAUD ALERT : ACTION MAY BE REQUIRED UNDER FCRA BEFORE OPENING OR MODIFYING AN ACCOUNT. CONTACT CONSUMER AT ( XXXX ) XXXX ( XXXX ) XXXX XXXX & XXXX XXXX ID FRAUD VICTIM ALERT FRAUDULENT APPLICATIONS MAY BE SUBMITTED IN MY NAME OR MY IDENTITY MAY HAVE BEEN USED WITHOUT MY CONSENT TO FRAUDULENTLY OBTAIN GOODS OR SERVICES. DO NOT EXTEND CREDIT WITHOUT FIRST CONTACTING ME PERSONALLY AND VERIFYING ALL APPLICATION INFORMATION AT DAY XXXX OR EVENING XXXX. THIS VICTIM ALERT WILL BE MAINTAINED FOR SEVEN YEARS BEGINNING 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 2016-06-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OR
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been forced to pay an annual fee of {$59.00} to Capital One for a credit card that I can not use due to its " restricted '' status, for two years in a row. Capital One refuses to close my account because they say they can not verify my identity, even though I sent them, via email, all the official ID docs they asked for ( social security card, proof of address, drivers license ). They said they think I " altered '' my own ID documents. Therefore, I 'm trapped in this cycle of trying to cancel my account, they refuse, they charge an annual fee for a product I ca n't even use.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
Back on XXXX XXXX, 2014, a company called XXXX XXXX XXXX called a phone number associated with my out of state employer in an attempt to contact me. When the phone was answered, the debt collector proceeded to disclose a debt I have with Capital One to the person who answered without confirming who they were speaking to. A cease and desist letter was sent to the company, Capital One and the Attorney General 's in both XXXX and XXXX, where I reside. Complaints went unanswered by the collection company and creditor, and to date, the AG 's are pending responses from both companies. There has been no further attempts at debt validation or written communication to date from the original creditor or 3rd parties acting on their behalf.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-16
Company: CCS Financial Services, Inc.
State: FL
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:
STATEMENT OF FACTS : On or about XX/XX/2016 XXXX XXXX ( XXXX XXXX XXXX 's Daughter ) Purchased a 2003 Buick Lasabre from XXXX XXXX XXXX ( buy here pay here car lot ). And because XXXX, XXXX had a good payment and relationship history with XXXX XXXX Auto Insurance he referred her to call them for a policy quote. Consequently, XXXX XXXX had maintained a XXXX XXXX ( XXXX ) policy for his 2013 Dodge Avenger for over a year. 
Further, Despite the fact that XXXX XXXX 's name was nowhere listed on the purchasing documents of this 2003 Lasabre XXXX XXXX repeatedly mailed delinquent monthly billing statements ( Fraudulent Billing practices in clear violation of 47 U.S.C. 151 ) to XXXX XXXX 's Home address in XXXX XXXX Florida despite the fact that XXXX XXXX lived in XXXX Florida and she had previously given them her address and phone Number. 
But XXXX XXXX never followed up with XXXX XXXX, and they never attempted to mail her a bill. Instead choosing to unlawfully use the U.S. Mail to repeatedly harass and threaten XXXX XXXX because XXXX XXXX listed him as a driver on her policy which she herself called and implemented with XXXX XXXX. 
Whereby, after several delinquent billing attempts to XXXX XXXX, And after several phone calls to XXXX XXXX by XXXX XXXX, he was Finally told That he would have to mail or fax proof that his name was not on the purchasing documents of XXXX 's 2003 Lasabre ( which they Insured ). And despite this Obvious absurdity XXXX XXXX obtained and faxed said purchasing documents to XXXX XXXX 's arbitration department ( as instructed ) On XX/XX/2016, And repeatedly called them for acknowledgement of receipt, ( where they repeatedly responded " we receive hundreds of faxes and we 'll process them as they come in. '' CAUSE OF ACTION : On XX/XX/2016 XXXX XXXX received a mailing from a collection agency that XXXX XXXX had given all of his information to and assigned them to collect a {$730.00} debit from XXXX XXXX XXXX based on their agreement to insure XXXX XXXX.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-23
Company: CCS Financial Services, Inc.
State: CA
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:
In early XXXX of 2015 Credit Collection Services began reporting to the XXXX Credit Bureau that I owed them {$130.00} for their Customer XXXX XXXX. In the beginning of XXXX 2015 my balance with XXXX was at {$0.00}. 
On XXXX XXXX, 2015 I faxed a dispute letter to CCS asking them to remove the unverifiable/inaccurate information that was being reported to XXXX. I never received any correspondence form CCS in regards to the debt they were trying to collect. I have yet to speak to a CCS representative or anyone affiliated with them. I have never accepted not acknowledged any debt with or through them. 

After my first dispute letter CCS updated the information which is being reported to XXXX as " Paid Collection '' which is inaccurate and untrue because they have never received any payment or form of communication from me besides dispute letters. I would like to ask for proof of payment from me to their company as well as for them to verify this debt.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-25
Company: Convergent Resources, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
I got a letter from Convergent Outsourcing , Inc . I live in XXXX now and they are sending it to my XXXX address. They state that I owe {$670.00} for an XXXX account with Convergent Account # XXXX. First of all, I have no idea what this account is. I have never been sent any verification of this debt. I am formally requesting substantiation of debt since I live in XXXX. Second of all, they are requesting that I " settle '' this account for 40 % ; however, they also state that this debt is too old to be sued on. To use the word " settle '' implies that they are going to sue me. This debt has passed the statute of limitations and to me this is a violation of the FDCPA to threaten to sue me an an old debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-10-11
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:
See attached settlement letter .... Yet this Collections Account is shown on my credit bureaus for debt owed to XXXX XXXX XXXX although was settled with law firm. 

All information for collections reporting has incomplete details on credit reporting bureaus and should be removed. 

Account is settled.

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 2015-06-19
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
Wells Fargo assisted me in a loss mitigation last year in XXXX 2014, However, in XXXX 2014 that 's when I was notified to make my payment in which I was behind XXXX month to start they said home preservation assistant no longer was working in this dept or for the company and I would have to catch up on my own I thought as though this was too hard, I felt as though this was unfair my loan modification was approved XXXX XXXX, 2014 however, I was not notified until early XXXX when I questioned this they informed me that my loan modification worker never sent out the paperwork nor informed me that my loan was even modified I then spoke to several supervisors and they were no help so when I made my payment in XXXX they applies it to XXXX then each month I was XXXX payment behind I feel as though this was too hard to catch up and then after XXXX months they raised my payment they said my escrow was short then raised the payment from XXXX to XXXX which now is another increase so now they are saying since my home is in active foreclosure due to some home repairs and unexpected auto repairs that I need to come up with the whole reinstatement fee and they cant offer no assistance for XXXX months. I want to know how a consumer gets into a new loan modification and the loan due to Wells fargo untrained loan representatives my loan is again in default.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Made payment though automated system. System charged total amount of balance instead of minimum payment. Capitol one refunded amount and during that time placed a 30 days late on credit. Payment was made on time their system charged wrong amount as can be seen by them refunding money. Capitol one refuses to remove 30 day late as it was their system that was in error.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
In XXXX of XXXX I was contacted by XXXX XXXX stating they were filing a lawsuit against me and that the lawsuit will be delivered to XXXX XXXX Courts if I do n't settle the debt. I was allowed to set up a payment plan if I give them an amount to pay. I settled for {$2600.00}. 

In XXXX of XXXX, I was able to pay off the settlement amount and they sent me a Release Letter stating that my account is paid in full and I am no longer liable for the debt. 

Today, XXXX XXXX, XXXX, my brother-in-law and husband received phone calls stating that the callers were " servers '' from XXXX XXXX XXXX. I called the number and they were posing as " servers '' but " transferred '' me to their litigation department to settle prior to serving my employer tomorrow. They identified themselves as XXXX XXXX XXXX. He told me the same thing, settle and send money or they file legal documents. I called back and ask for the account number of the original debt. This debt is the same debt I had already paid and settled with XXXX XXXX. I told the " Litigation Manager '' I have release letter regarding this account. He told me to email to XXXXXXXXXXXX and fax to XXXX. I emailed. However, when I tried faxing, the number he provided was an incorrect number. 

I will be filing a separate complaint against XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Payoff process

Complaint:
I PAID OFF THE CREDIT CARD AND INTREST THE NEXT MO.LATER THEY INSIST I STILL OWE THE SAME INTREST AMOUNT ON A ZERO BALANCE! LANGUAGE BARRIER XXXX VERY BIG PROBLEM.COULDNT MAKE THEM UNDERSTAND! ..HAVE HAD THEM OVER 20 YEARS WANT IT PD! I WILL NOT BE USING THIS CARD AGAIN.AND TOLD THEM ON MY TAPED PHONE CALL I WAS GOING TO SHREAD THIS CARD.THE AMOUNT OF THE CHARGE IS SMALL.ITS THE PRINCIPLE OF IT ALL

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-11-13
Company: BAM Management US Holdings Inc.
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Other transaction problem

Complaint:
Binance.us refuses for so far over 2 years to let me withdraw MY money in USD or XXXX. Keeps saying account restricted. They do not answer requests for help. Beware. This exchange wont let you withdraw when you want out!

Company response to consumer: Closed with explanation