BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: DE
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 called XXXX about a debt to be settled for deletion on XX/XX/XXXX XXXX ; XXXX i was forwarded to the accounts dept for credit reporting the representative informed me there was a balance of XXXX in which i told the agent the i cant afford. she said said well we can settle this amount for {$310.00}. i said thats only {$15.00} decrease but thats still to high for me. after a couple of minutes of negotiating she said to me, can you do {$210.00} by the XX/XX/XXXX. we both agreed that this amount would settle and delete this account from my credit reports. so we agreed that i would make two installments to clear up the debt. XX/XX/XXXX i made a payment of {$110.00} and when i made a payment of {$100.00} on the XX/XX/XXXX. i was told by another representative after immediately after that i still have a balance and that XXXX doesnt settle accounts. i said a rep there told me that after i make this payment the it would resolve and delete this XX/XX/XXXX account of my reports.they made me call XX/XX/XXXX ( XX/XX/XXXX) i called the about the issue and they told me there was a balance for XX/XX/XXXX of {$110.00}. i said i dont have a balance.explained to the rep what happened and i told them that i dont intent to pay anyone more money that i dont have since i was lied to. the rep said the would settle and close and delete the account for $ {$58.00} which i paid on XX/XX/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 2016-08-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Neiman Marcus Dispute Customer since XXXX, no missed payments. 
On XXXX I checked my Neiman Marcus / Capital One account to see if the Credit was issued on my account for a return " Claim Complete Credit '' for package not received only to find my account was CLOSED due to " High Returns ''. 

This claim has been going on for a month and still no credit. As of today XXXX I have yet to receive a refund. 

I have had to escalate this on multiple occasions to get someone to take care of it and still it has n't been resolved. 

My high level of returns is due to 99 % of my purchases are done online. Items returned do to fit or item not as described. 

I feel my account has been closed due to the multiple escalations to management for the still open claim. 

Furthermore, I am being damaged by Neiman/Capital One on my Credit Report in the form a decreased credit score from the abrupt closure of my account. I take great pride in maintaining a high Credit Rating and will stop at nothing to insure that my rating remains in good standing. Please find the attached documents which I have sent to Neiman Marcus Card Services. 

Please see attached letter, which has also been sent via USPS certified mail. 

About $ XXXX yet to be refunded / credited by Neiman. Please read attached letters before contacting the consumer. Silence is acquiescence

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XXXX, i sent capital one a payment to my account in order to raise the credit limit on my account. When I called Capital one and asked why my deosit wasnt posted to my account, they stated that it is because it does not say a record of them even receiving a deposit from me. On XX/XX/XXXX, capital one bank, me and my bank, XXXX the phone to verify the deposit. Which come to find out it was cleared on XX/XX/XXXX of XXXX by my bank. So capital one has stolen and took my money and did not post it to my account. So I had to file a compliant

Company response to consumer: Closed
Consumer complaint received 2016-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: APR or interest rate

Complaint:
hi I filed b.K IN 2010 I applied for a capital one credit card at a high rate interest rate however I knew this this was to get me back on my feet I have a credit score now of XXXX I have tried several times to talk to them they tell me to reapply for other cards with them I do they turn me down I call them to see if they can lower my interest they turn me down now I got a new statement they raised it now to XXXX per I need your help they are using my B.K and are robbing me

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
My Capital One card initially called to assist me with payment so that I could avoid being late on the payment and mislead me and it keeps reporting the late payment. I had contacted them numerously about this and they refuse to rectify the bad reporting to the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: APR or interest rate

Complaint:
Signed up with Capital One Venture card with a limit of {$25000.00} for the fact they were offering 12 months no interest. I have been accumulating interest on the account prior to the 12 months. Spoke with numerous representatives at Capital One to resolve the issue. Have been told several times that I would be contacted back after further investigation into the account. I have still not received any calls, besides to collect payment which I am no longer interested in making until the issue is resolved.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I based my decision to put up my deposit on the contract based on the good faith estimate given to me by Capital One bank. Upon receiving the HUD1 the estimates changed dramatically whereas now I ca n't meet the closing cost. Now that I canceled the closing they are sending me bills for attorney fees, title search appraisals etc. What are my options?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On Friday, XX/XX/XXXX, I received a letter dated Sunday, XX/XX/XXXX from Capital One Bank USA National Association, XXXX XXXX XXXX, Utah office stating they believe someone, using some of my personal identity information, recently opened up a fraudulent credit card account with Capital One in my name. The letter did not state whether or not Capital One actually issued a credit card to anyone, but stated the credit card account number ended in " XXXX '' and that I may be a victim of identity theft. The letter further stated Capital One 's customer fraud protection team is investigating this identity theft matter under their case # XXXX. 

During my call to them ( XXXX ) on Friday, XX/XX/XXXX, they essentially repeated what was stated in their notice letter and reiterated I need to report this identity theft matter to all the credit reporting agencies, which I am in the process of doing. 

The customer service representative then indicated Capital One has also set up a second case # XXXX which they are investigating. The representative said the second case involved a fraudulent credit card account that was opened up in my name with Capital One in Year XX/XX/XXXX by someone using some of my identity information. In the second case, the representative said, a credit card was actually issued and an unpaid balance was charged to it. 

No further information was or has been provided to me by Capital One National Association. 

For information, Capital One did make an inquiry on my accounts with all three credit bureaus on Saturday, XX/XX/XXXX, but did not show any balance being owed by me. 

I have never applied for, nor have I ever had, a credit card with Capital One National Association.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One is reporting a 90 day status to the credit bureaus on a closed account with a paid zero " XXXX '' balance that has been paid per all records ( Capital One, XXXX ect. ) since at least XXXX 2011. Account number XXXX .... I recently filed a dispute through XXXX and the company " updated '' the record but did not remove. I am not aware of any updated status. According to credit bureau records the account should be deleted ( fall off ) next month. Capital One with it 's enormously poor record with the XXXX as well as other sources remains a concern.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Every time I add a new person to online bill pay and send that new person a payment through online bill pay, CaptialOne360 locks my account until I call them on the phone. To call them on the phone, I have to wait on hold for more than an hour ( when this happened yesterday, I had to wait 1 hour and 11 minutes ). The effect is that, without warning, the bank unilaterally locks me out of account access, cutting off all access to my money, unless I wait hours on the phone. They also sent me a misleading and coercive email in which they threatened to close my account unless I called them. On the phone, when I asked them about their threatening to close the account, CapitaOne360 SAID AND FULLY ADMITTED THAT THEY DO NOT ACTUALLY CLOSE ACCOUNTS AND THAT THE EMAIL PURPOSEFULLY THREATENS TO CLOSE CUSTOMER ACCOUNTS IN ORDER TO COERCE CUSTOMERS TO CALL and waste hours of their time if a customer wants to get access back to the customer 's money, even though the bank will never actually close an account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Other

Complaint:
A Capital One credit card was opened in my name in XXXX/XXXX/2013. I did not apply for this card and I never used the card. Capital One can has NO receipts with my signature. 

I am asking that this account be removed as it is not my account. I never applied for it.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: EQUIFAX, INC.
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
XXXX XXXX opened XX/XX/2020 is unrecognizable to me. I have never done business with either XXXX XXXX or XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CONGRESS COLLECTION CORP
State: MI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Was not notified of investigation status or results

Complaint:
Congress Collection opened XX/XX/2020 is unrecognizable to me. I have never done business with either XXXX XXXX or congress collection

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I had a credit card with Kohls, I was making monthly payments on my account that had a low balance strictly for the purpose of failing my credit scores, I got an alert on my FICO app saying my score dropped XXXX points because of a 30 day late payment, I had paid the balance the day before, apparently they were adding a {$37.00} a month fee because I was not paying on the exact dat, they did this for XX/XX/XXXX,XX/XX/XXXX, making my minimum payment not enough, not telling me this. I called an Kohls said there was nothing they could do, I canceled my card after paying a {$1.00} balance

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I was put on a payment plan with Capital One Auto Finance and completed the plan. They stated I am contractually current with a confirmation number. However they have reported me as 180+ days late since completing the plan and it 's been more than 30 days since I completed the plan. I believe they have violated the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-11
Company: JPMORGAN CHASE & CO.
State: CA
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
We currently have a conventional home loan with CHASE bank. My wife is a retired XXXX XXXX veteran with a XXXX and I am also retired from the XXXX XXXX, we both get retirement pensions. So we applied for a VA home loan with my wife being the primary applicant thru CHASE to lower our payments. Both our credit ratings our over XXXX. We owe {$170000.00} on a house appraised at {$280000.00}. The application was completed XX/XX/2015 and the loan is still being processed ( over 90 days now ) we have submitted all information requested. We are being told that its still in underwriting. They keep requesting new information as we fulfill previous requests. We feel as though this loan process will never be completed they just keep requesting new information. We suspect that they want us to quit the loan process so they will not have to provide a reason for declining our loan ; because there is no reason other than keeping us on a CHASE loan with higher finance rates. I would 've quit the process with CHASE but we already have an appraisal completed and termite inspection with a locked in rate of 3.75 and interest rates have risen since the lock in. Any assistance that can be provided would be greatly appreciated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-07
Company: JPMORGAN CHASE & CO.
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a XXXX XXXX and we usually get paid early when there is a Federal Holiday that occurs right before our regular pay date. In this case that did not happen. I received a {$34.00} dollar overdraft charge from JP Morgan Chase for a {$7.00} transaction. The funds were in my account the next day. So they loaned me XXXX for 24 hours and charged {$34.00} ... ..What is that 1,500 % interest! I asked the bank to waive the charge and they said their was nothing they could do ... .. I have had an account at Chase for XXXX plus years!!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: CITIBANK, N.A.
State: DC
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 never had an account with these collectors/creditors. I tried to contact them several times and ask for proof of ownership but they failed to send me the necessary documentation to prove that I really own this account.

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 2021-01-02
Company: EQUIFAX, INC.
State: DE
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:
This is a follow up to my complaint of XX/XX/13 and my follow upon XXXX to # XXXX I have not received a promised refund of my money from and overpayment from this UPGRADE Loan and I continue to receive emails that my account is OVERDUE and AFFECTING MY CREDIT REPORT WHEN ACCOUNT HAS BEEN PAID OFF 6 MONTHS AGO.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-04
Company: Experian Information Solutions 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: Information belongs to someone else

Complaint:
EXPERIAN, XXXX, AND XXXX  ARE TO VIOLATING MY RIGHTS. THEY CONTINUE TO REPORT THESE NEGATIVE FRAUDULENT ACCOUNTS ON MY PROFILE THAT DO NOT BELONG. THIS WILL BE MY THIRD TIME WRITING THEM. IM GOING TO GET MY ATTORNEY INVOLVED IF THEY CONTINUE TO REPORT THESE ITEMS.

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 2021-01-04
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
At this time, I respectfully request a copy of my XXXX, XXXX  and Trans Union credit report. I dont know why all of my written requests have been ignored, but it would be greatly appreciated if each credit reporting agency will mail out a copy of my credit report to XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, New York 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 2015-04-15
Company: Navient Solutions, LLC.
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was in the generation of kids who were told that getting college degrees would open the door to great paying jobs, so rack up all the student debt it takes cuz you can pay it off easily after you sort through your job offers. 
Maybe there was even a time that was true, but although the unpaid internship market is through the roof, the job market is XXXX and my degrees are not competitive. I tried so hard for so long ( 2.5 years ) to get work in my field while scrounging on XXXX, trying to land any job in any field, usually part time and/or seasonal. When offered a full time year round position, albeit for $ XXXX/hour XXXX hours/week, I took it and have given up on trying to get work in my field. 
I have about $ 300K in loans. My federal loans are fine because Income Based Repayment brings them down to $ XXXX/month- even though Navient tries their hardest to obscure that it 's an option, and wo n't even, insofar as I can tell, tell you how to apply for it. The bulk of the loans, however, are private Navient loans, and recourse is practically nonexistent. I ran up my forbearance time while un ( der ) employed ( paying {$150.00} each time- paying money to not pay money so I ultimately pay them more money? ), and then they set it to interest only payments, which still works out to over 100 % of my income. Every payment I 've ever made has been to reduce my delinquency. Now they 're saying that interest-only payments is another thing that runs out and soon they 're going to ask me for EVEN MORE money- presumably 200+ % of my paltry income. It 's not that I 'm unwilling to pay- I 've been trying to pay like 20+ % of my pathetic income toward it, occasionally jeopardizing my ability to pay for food, but at this point I think the smartest option would be just to let it go into collection cuz Massachusetts will only let them garnish 15 % of my wages.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: JPMORGAN CHASE & CO.
State: SC
Product: Credit card
Issue: Other

Complaint:
I have had a credit card with Chase Business and was told that this will not be reported on my personal credit unless the card is delinquent 90 days. I had a chase card for several years and in XXXX XXXX my dad passed. I made a payment over the phone and it was not credited on time so Chase escalated my rate from 8 % to 29.99 % I wrote corporate and they told me too bad. I closed the account and they than escalated the payment much higher that the {$150.00} per month that we had budgeted. I have until the XXXX of next month before this would be 90 days yet I am now being told it will report after 60 days. Nothing has been consistent with this bank and they are frauding the public when this happens. I asked to have call recorded and they denied me yet say they are doing this on their own. I no longer have card and responded to a letter from them telling me they would work with me by lowering the rate if qualified or negotiate a settlement I spoke to a XXXX a XXXX ( XXXX ) who tells me that they will report delinquency on my personal credit after it is delinquent 30 days and definitely 60 days even though I have been told differently in the past. She claims it is the LAW. If this is the case how come other banks do not until it hits 90 days. I am in the credit field and such an action will result in me losing my job. Their actions of raising the rate for not properly posting a payment and then telling me hey could care less ( essentially ) caused the rate and the payment to go higher than what we had budgeted.I have personal credit card accounts with this company and have never missed a beat ( as high as ( {$30000.00} ) XXXX I am afraid that the attitude of too big to fail has truly created this '' monster '' that feels they are beyond complying to the laws and gives them the right to do anything to anyone without any recourse. Hard working people such as ourselves and the middle class bailed them out and have put the public at jeopardy. My card number ends with XXXX. I am afraid without the government intervening in this injustice that after the XXXX of next month it will have additional repercussions and destroy my credit. Letter I received prompting this was XXXX XXXX, XXXX. Phone number for contact was : XXXX or XXXX

Company response to consumer: Closed with explanation