BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX  account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me. I tried to apply for a credit card but they denied me because they said I had a Capital One credit card but I didn't have one. They did an investigation and said that they found that I had a XXXX XXXX account but I didn't I have a XXXX  account and they say I live at XXXX XXXX XXXX in XXXX XXXX but I didn't live there. They keep harassing me. I only want a credit card. I got a police report and ID theft report and Capital One is on my credit report since four years ago but XXXX  already removed it off my credit report because it's fraud. I'm trying to apply for a credit card but they won't let me. They keep harassing me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-24
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: APR or interest rate

Complaint:
In XXXX, I received a letter in the mail from Barclays Bank XXXX. The letter included a check that was for balance transfer. The offer was 0 % interest rate for XXXXmonth with a 4 % fee. I used the check to reduce my interest rate. The card I had had a 10 % interest rate. In XXXX, the bank mysteriously called me about a fraud case. I told tem that I had done the balance transfer. They charged the 4 % transfer fee. In my XXXX statement I get an interest charge. I called them and now the interest rate is over 27 %. They keep firm that there was no introductory rate. Well why would I transfer a blane from a lower rate card to a higher rate. This is a scam and they need to be stopped,. I wonder how may other customers got the deal ( scam ) to transfer funds. 
XXXX XXXX XXXXXXXXXXXX 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 monetary relief
Consumer complaint received 2017-03-12
Company: JPMORGAN CHASE & CO.
State: DE
Product: Credit card
Issue: Other fee

Complaint:
I used my Chase issued Visa XXXX credit card a couple of hours ago in XXXX. My card product does not have any foreign transaction fees. However, after I came home a few hours later and now that I see the receipt on coming home, I see that the Merchant ( XXXX, XXXX, XXXX ) and their processing Bank ( XXXX ) and VISA XXXX have used a significantly unfair and LOW foreign currency conversion rate ( XXXX per USD ) versus the almost XXXX per XXXX USD. Per the VISA guidelines disclosed to me, VISA is supposed to use the BEST conversion rate on the day. Also, these entities have additionally charged me a 3.5 % Mark Up like a foreign transaction fee! My own Card company Chase does not charge me a Fx fee ; why is VISA, XXXX and XXXX adding on all these UNDISCLOSED charges to me? Please resolve ( Have ALL Merchants STOP this ILLEGAL surcharge ) and refund me the amounts ASAP. Chase Card Services is NOT in the wrong here at all, but instead it is VISA who has violated their terms and abetted such criminal activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: Franklin Collection Service, Inc.
State: KS
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:
I was billed incorrectly by XXXX for a modem/router I returned after canceling their XXXX service in favor of XXXX. Despite submitting video and photographic proof to XXXX, XXXX sent the bill to debt collections via franklin collection services inc. I was aware of this scam and documented my return of the device.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-03
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NJ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
This is more of a report the fact what has happened to the issue of the " counterfeit XXXX dollar bill '' which was being reported to the secret service that I had obtained from within Bank of America 's branch at XXXX XXXX, XXXX XXXX, XXXX, NJ. Since the political climate is hardly fair to minority female today, I as a bank customer will report this matter before it gets any worse down the road. 
I was withdrawing cash from my checking account over the counter from the clerk within the Bank of America branch on XXXX XXXX around XXXX XXXX EST. Since I withdrew XXXX dollar bills, none of it could have come from ATM according to BOA 's policy, neither do I get " XXXX XXXX dollar change '' myself or possibly received it from anywhere else other than the bank. Later on, XXXX of the bill was being suspected as a " counterfeit bill '' while I pay my expense over XXXX counter on XXXX XXXX, 2017. And this bill is now being submitted to secret service and being investigated. I, as a bank customer, have no idea what bill I will get over the counter, neither do I have the know how and technique nor interests to counterfeit any bill. Whatever the outcome is, although BOA had guaranteed to refund me the amount should it turned out to be a counterfeit, I do not wish for this incident being leveraged to retaliate my employment or being leveraged to libel reference me in any perspective of my life as I had experienced here in NJ for the past 5 years in both career and private life. I want the relevant organizations to act ethical and professional on this matter and treat me fairly as a client instead of having me responsible for their business or conduct. Thank you Regards, customer

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 2017-01-13
Company: Netspend Corporation
State: FL
Product: Prepaid card
Sub-product: Transit card
Issue: Fraud or scam

Complaint:
A Friend of mine gave me this Debit Master Card for a present. It has {$25.00} on it. To activate you have to call this number XXXX, but when you want to activate it they want your SS and Birthday. If you do not want to give that they told me they 'll send me a check again they wanted all kinds of info plus they where going to keep some of the money. Not sure it trust them. The card is throughXXXX by XXXX. Lady did not speak English well.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Issue: Billing disputes

Complaint:
A charge appeared on CapitalOne credit card that I did not make. Received email from CapitalOne asking if it was valid. I told them it was not. They told me to get the merchant to get it removed. When merchant did not, CapitalOne told me to prove it was not mine. I did so. Then CapitalOne sent me a letter telling me to " get a second opinion on company letterhead from another merchant in the same field stating specifically what the original merchant did incorrectly, how the problem can be corrected and what that will cost. '' If I did not send that to CapitalOne along with many other requests already provided, the case would be closed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Chek Cash, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I had my vehicle repoed & I had to use XXXX paychecks to get it back & now I 've gotten behind on my loans. I 'm job hunting also for a second income to get caught up since my husband passed. I have references on a loan with Loan Express & a man named XXXX that works there is constantly calling all of my references & my work supervisor on a daily basis even when they 're at work or home repeatedly & also leaving messages on their phones on a daily basis. I sent them a letter stating my references names & phone numbers & asked them to please stop calling these people constantly. However my inlaw told me that yesterday he called her while she was at work repeatedly so much until she stopped answering because he started using other phone numbers to get her to answer & my other references say the same has happened to them too. Also, I do n't know why he 's calling my supervisor but it has gotten me in trouble at work & he wants him to stop leaving him messages also.

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 2015-07-01
Company: Financial Credit Service, Inc.
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I have received repeated phone calls to my home phone, personal cell, work cell, and work phone starting in XXXX of 2014, and once every ~XXXX weeks from ( XXXX ) XXXX, ext XXXX, referencing a court case against my ex-wife ( XXXX XXXX XXXX XXXX in XXXX XXXX XXXX XXXX XXXX Their reference # is XXXX. 

The caller XXXX XXXX XXXX XXXX XXXX XXXX or XXXX XXXX XXXX have stated that my ex-wife has listed me as a character reference in the court case and the only way that they would stop calling is if my ex-wife provides and affidavit. They refuse to identify their company, provide an address, or refuse to stop calling ; they have called my sister with the same tacticsI have not seen or spoken with my ex-wife in over XXXX years and explained it to them, yet they persist. They have even threatened me with a subpoena if my ex-wife did not contact them. 

I have contacted XXXX XXXX XXXX XXXX and they indicate the judgement listed is closed and suggested I contact their collection agency. I contacted their agency XXXX XXXX XXXX ) and they said they have not been trying to contact me and have no ties with the number listed above. 

They do not ask for anything beyond " do I know my ex-wife 's whereabouts and that she needs to contact them ''.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: Stellar Recovery, Inc.
State: WA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
No written notice. No communication. Did not receive notice of right to disputed. Sent info to my credit report. Not enough correct info to verify debt or amount. After I filed a complaint to XXXX I recieved an email.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NJ
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:
These accounts are fraudulent and need to be terminated from my credit report as soon as possible. I am a victim of identity theft and did not make these charges whatsoever. Please remove these alleged accounts as soon as possible. I reported this and have also included the FTC Affidavit that lists then fraudulent accounts. Please delete these alleged charges/accounts as they are causing a substantial amount of harm and inconvenience to me as 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 non-monetary relief
Consumer complaint received 2015-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
i went to use my credit card and it was denied. when i called the bank they said a piece of mail was returned so they blocked the account, i asked for a copy of the returned envelope i was told they shredded it. how can you block an account and not retain any proof. i would like to see if the PO returned or someone in my household returned it dont i have that right. is the banking industry immune to keeping evidence?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Billing disputes

Complaint:
My capital one credit card account fully paid on XXXX/XXXX/2015 and still not reported to the credit bureau as fully paid. The credit report still shows the balance $ XXXX as unpaid. I am waiting for the actions from the credit bureaus.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-16
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
This collection company keep reporting the same debt owed as a new collection every week on my credit report. Every week I receive a notification that this company has flagged my credit report with this same debt.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: Comerica
State: KY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
On XX/XX/2016 at XXXX charges were made at a XXXX store # XXXX in XXXX XXXX. I live in the state of XXXX. The first charge was for XXXX @ XXXX, the second was for XXXX @ XXXX. The last purchase I made was at XXXX at the XXXX XXXX XXXX in the town where I live in XXXX. When I found the fraudulent charges on XX/XX/2016 I immediately called and reported them, and I disputed the charges, and cancelled my card. Direct Express refused to put the funds back on the card even though they seen the charges were made in Ny. But still wanted me to dispute them which they say takes XXXX days. I called on the XX/XX/XXXX, they had no record of me disputing the charges! So I had to start the process all over again. This is my XXXX check, and my account is drained. They tell me there is no phone number to talk to the people who investigates fraudulent charges nor is there a corporate number to call. Something is n't right with this company.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-03
Company: PNC Bank N.A.
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I completed a bill pay payment on XX/XX/2017 XXXX PNC to XXXX. I was advised by PNC on XX/XX/XXXX that XXXX ( the company that processes PNC 's bill pay changed the billing address and sent it to XXXX, who cashed the check, although the payee was XXXX. Dispute reference # : XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: Experian Information Solutions Inc.
State: MO
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
Failure to provide physical proof of verification I share the exact same name as my aunt. That account number for XXXX # XXXX does not belong to me and I asked several times that it be removed from my credit report. Experian has failed to comply with the law. I have send several letters and under section 611 ( 5 ) ( A ) of the FCRA they are required to promptly delete all information which can not be verified.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
In Accordance with the fair credit Act. The list of accounts below has VIOLATED my federally protected consumer rights to PRIVACY and CONFIDENTIALITY under 15 USC 1681. 

( 1 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 2 ) XXXX XXXX Account # XXXX, Has Violated my rights ( 3 ) XXXX XXXX XXXX Account # XXXX, Has Violated my rights 15 U.S.C 1681 A states I have the right to privacy 15 U.S.C 1681 Section 604 A Section 2, It also states a consumer reporting agency CAN NOT furnish a account without my written instruction 15 U.S.C 1681c ( a ) ( 5 ) Except as authorized under subsection ( b ), no consumer reporting agency may make any consumer report containing any of the following items of information : * Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 USC 1681s-2 Responsibilities of furnishers of information to consumer reporting agencies.

A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-03-31
Company: Experian Information Solutions Inc.
State: IL
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
The US Bankruptcy court is reporting a Bankruptcy with my name. The US Bankruptcy Court told me that they do not verify or report this information to the Credit Bureaus. That information was pulled by a Third Party and they reported. After disputing directly to Experian to remove this from my report they stated that is was verified by the US Bankruptcy court and that is a blatant Lie. Therefore the Bankruptcy must be removed immediately from my Credit Report with Experian.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
I 'm filing a formal complaint against ALL XXXX credit bureaus. I have been disputing this account since last year. According to the credit bureau it 's coming back verified which is not true. This account is not and never was mine. This company till this day has not been able to verify anything. I have never received paperwork or anything to verify this account. Per FCRA laws, if a company can not properly verify an account and provide paperwork as such. It is to be removed immediately. They have nothing to provide because they have nothing. It is against the law to add or report debt to a person if the account does not belong to them. This company was only able to obtain my email and number due to a BBB complaint. Even after that, they still could not provide me documentation of any kind, not even a address, call log, payment history, NOTHING. This is against the law and this account is still being reported as such debt that do not belong to me. I have hired an attorney to prepare paperwork and pursue legal action to these credit bureaus for the improper verification of an account that do not belong to me. I 'm beginning to thing the credit bureaus is working with some of these companies. XXXX is not providing NOTHING not even a certified mail. FCRA laws have been broken. I will continue to pursue until this is gone. This is my credit and I will have it corrected. This is my credit worthiness that affects my life. I am also filimg a formal complaint with the state. 

XXXX XXXX XXXX UNVERIFIED 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 2021-01-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Capital One Bank automatic system keeps going over the same automated thing when i want pay my bill. For several days this ben going on. I do not want to give my banking information to no human. 
I call several times a day and it's the same old thing. 
They try tell me something about the phone number. I have several phone numbers that are land lines in my home other than a cell phone number. 
XXXX excuse after another all i want to do is pay my balance off for my credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: TRANSWORLD SYSTEMS INC
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Attempting to collect a debt via phone calls and communication through court papers. Did not receive validation notice per the fair debt collections act to dispute the debt.

Company response to consumer: Closed with explanation