BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Other

Complaint:
Hi, I made a payment to Capital One, my credit card company, on Tuesday XX/XX/XXXX with my debit card, over the phone, the way I usually do. 

They still have not presented the payment to my bank, it is now a week later. 

It seems clear that they are holding this payment until after XX/XX/XXXX because they hope that my bank account will not be able to cover the payment and that I will then have charges and a higher interest rate to pay. 

Is this a new way the credit card company has found to increase its revenue, Can they be doing this to others as well? 

When I called customer service they said the had the right to hold my payment. 

Are they allowed to do that, it seems that they should have to present my payment to my bank within a day or two of it being made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One has reported both of my cards as 30 days late. This information is not correct, the minimum payments were made that should have kept the account from being reported 30 days late. I believe it was in XXXX when I spoke with someone with capital one that advised that I could make the payment of {$25.00} on an arrangement that would not cause any late fees or derogatory marks on my credit. I have worked hard to maintain good payment history with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-24
Company: Eltman Law, P.C.
State: MD
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am writing in regards to my XXXX lien account holder. I 'm participating in a HAFA short sale and I have obtained the HAFA short sale approval by the XXXX lien, XXXX XXXX XXXX , XXXX ( enclosed ). The approval letter was provided to XXXX XXXX XXXX, from Eltman Law, PC. ; representative of the second lien holder. We also provided him with copy of the HUD showing {$12000.00} toward the second lien. We received a counter offer from a XXXX XXXX for the amount of {$45000.00} and they are refusing to accept the first lien offer of XXXX this is causing me delay and a possible cancellation of my settlement. My closing and Relocation Assistance is in jeopardy as they are not collaborating, forcing me to go to foreclosure, exit the property and end on the streets without a place to live. 
I have a buyer ready to purchase the property and the second lien is not collaborating with my short sale. I hope you can look into this as I have done everything possible to make this closing happens and to avoid foreclosure. Under HAFA guidelines the second can collect up to XXXX and the first lien is offering this amount to them. {$45000.00} is not available neither allow.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, INC.
State: FL
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:
Equifax is reporting incorrectly a collection/chargeoff on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account is well over ( 7 ) years and it has been ( 7 ) years since the date of last activity and should not be reporting. This is a violation of the Fair Credit Reporting Act and this line item needs to be removed from my credit report. This false reporting of a collection/chargeoff is seriously harming my credit score. I have contacted the bureau to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Paypal Holdings, Inc
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
Hello I'm having troubles with PayPal. I was having an account from 2018 and when i decide to reuse it and update my Informations there, I noticed that i can't change my address or add my company details. 
I Contact the Support team, they said to me to close it and reopen a new one, that's what i did. 
and when i Create the new one a found it immediately limited without any reason, i send them my ID card, my company papers. the girl on support team told me that she send a notice and they will open it for you but no response.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Bread Financial Holdings, Inc.
State: NJ
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX XXXX XXXX XXXX is trying to get paid for an account that I paid in full when i recieve the first bill. 
They sent me a letter that I own {$240.00}! This is false beacause I paid my bill in full and I have proof of this payment. They try to ruin my credit reports record!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened a checking account with Capital One 360 and got a debit card from them in advance of a 6XXXXmonth trip to XXXX. I informed them of my travel dates and destinations. They gave me a non-XXXX phone number to call collect from overseas in case I had a problem. After XXXX weeks, they froze my card. But when I tried to call the customer service number, I found that no matter what time of day I called, I could reach only an automated voice menu, with no options corresponding to my problem. The phone number they gave me is simply not staffed by any customer service representatives at all. Of course, there was no way to reach their XXXX number from overseas. So I looked on the website for other contact options. They were limited to fax and postal mail - no other phone numbers, no electronic contact options. So, I sent them a fax. They confirmed receipt of the fax in an email, but have not replied to my reply ( I 've now been without the use of this card for three weeks ) and the issue is still not resolved. So : no customer service options for people using the Capital One 360 debit card overseas.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: Flagstar Bank, N.A.
State: PA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage was at XXXX now my new mortgage is XXXX starting XXXX 2015. The reason for this is because my escrow was overdrawn for home insurance with Flagstar. Not sure for how long but, I came up with my own home insurance. I have recently returned a check to Flagstar in the amount of XXXX. I am trying to bring down my payment back to XXXX and pay for my own home insurance since my escrow keep being overdrawn. The way Flagstar explained to me is that out of the {$550.00} paid monthly {$70.00} will be put back into my escrow. I have attached information on my account with Flagstar since XXXX and the amount remains the same every year to total XXXX. What mortgage remains the same for 13-years. Can you help?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-07
Company: WELLS FARGO & COMPANY
State: VT
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't decrease my monthly payments

Complaint:
I have a private student loan through WellsFargo Bank. Unfortunately, I also have a co-signer on this loan. As of late, I have been unable to pay the high fees along with high interest rates on the loan. So, instead of working with me on how to solve the issue and agreeing on a lower accepted payment every month, they have been harassing my co-signer by telephone asking for money.

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 2020-03-30
Company: ERC
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I attempted to resolve the debt with ERC on XXXX in the amount of {$49.00}, charges were paid to remove this account from all credit bureaus and not collect any more fees. Its still effecting my credit please remove this account from my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-06
Company: Diversified Consultants, Inc.
State: SC
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:
I 'll try to make this brief : Beginning in XX/XX/XXXX, I began having problems with my XXXX phone and charges. I ordered a new phone through them and it was defective. I made several trips to the local XXXX store but problems continued and I was told the phone could not be repaired. They sent a new phone to the local store but then wanted {$20.00} shipping. I refused to pay that since the worthless, defective phone was not my fault, plus I DROVE to the store to pick it up. In the meantime, my XXXX charges went from the quoted {$85.00} per month to {$120.00} per month, with no explanation. Calls to customer service were useless and I finally got phone service with XXXX. I attempted to return the defective XXXX phone to XXXX different stores and they all REFUSED it. XXXX began contacting me, saying that I owed ridiculous amounts of money, then collection agencies began contacting me. DIVERSIFIED CONSULTANTS called me in XX/XX/XXXX and I told them what I am telling you -- that I did NOT owe this absurdly outrageous {$500.00}. The agent then asked me if I was disputing the charge and I said YES. He said that was fine and that he had made note of it and SOMEONE WOULD BE CONTACTING ME about the dispute. No one ever contacted me and I discovered today that DIVERSIFIED CONSULTANTS has reported this to XXXX XXXX as a collection/charge off!!! I called Diversified today and was told that this should NOT have gone against my credit since it was in dispute and that she would give the information to 'administration ' and for me to call back in two or three weeks. My credit score was XXXX out of XXXX, showing that I am a very honest and responsible person. XXXX has been wrong about these charges ( and their terrible customer service ) and Diversified has deliberately lied to me -- saying in XXXX that someone would be contacting me about my dispute -- when NO ONE contacted me and it was put against my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: ERC
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:
XXXX was turned in after service was canceled, but XXXX XXXX claims that I owe for equipment not surrendered.

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 2022-04-13
Company: Convergent Resources, Inc.
State: IL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Convergent Outsourcing , Inc XXXX XXXX XXXX XXXX  XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, WA, XXXX To : The Office of Registered Agent for Convergent Outsourcing , Inc . 


From : XXXX XXXX Regarding : Unauthorized Administration of the XXXX XXXX You will forthwith return and transmit your written evidences of your delegated authority to represent that you and XXXX are authorized to administrate ( acting trustee ) on the XXXX XXXX, together with a certified copies of signatures contract between you and XXXX XXXX, you and original creditor, bonds, original creditor Charge-off documents, sureties, indemnification, insurance and any Third Party Debt Collector Association Agreement passing XXXX XXXX private information to other members, possibly resulting in identity thief. Also, relating information to your personal and professional acts referenced above and your arrogated paperwork intrusion upon the XXXX XXXX. Courts require your contract for jurisdiction. 

Reporting information that you know to be inaccurate or failing to report information correctly violates the Fair Credit Reporting Act.Also you have committed the following FDCPA Violations : 806. Harassment and abuse 807. False or misleading representations 808. Unfair practices 809. Validation of debts Stop contacting me about this or any other matter you have. I also submitted this letter to theConsumer Financial Protection Bureau ( CFPB ), My State Attorney General Office and The XXXX XXXX XXXX. You have 15 days from the date of this letter to respond with all items requested or remove this item must be removed immediately or I will seek litigation forMonetary damages. Also be advised any medical records shared without my consent is a violation of my privacy and HIPPA. 
Please remove all unauthorized, fraudulent accounts promptly within four business days of receipt pursuant to 15 USC 1681-c-2 & 12 CFR 1022, Regulation V, to prevent further legal proceedings. I have already contacted the respective companies as well and please be reminded, no consent is identity theft. Thank you! 

I swear under penalty of perjury that all of the above mentioned information is true and accurate. 

By : XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: Mr. Cooper Group Inc.
State: TX
Product: Debt collection
Sub-product: Mortgage debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Mr. Cooper has indicated a new loan was created on my behalf on XX/XX/XXXX. I did not create a new loan. 
The Statute of Frauds Relating to Loan Agreements Section 26.02 In 1989, the legislature enacted section 26.02 a specific statute of frauds for loan agreements involving loans exceeding {$50000.00}. See TEX. BUS. & COM. CODE ANN. 26.02. Under this statute, a loan agreement is not enforceable unless the agreement is in writing and signed by the party to be bound or by that party 's authorized representative. Id. 26.02 ( b ).

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-08
Company: ERC
State: NY
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:
To whom it may concern. In contacting the original creditor XXXX XXXX and Contacting a collecting agency who acquired my debt. There is no record on file showing they own a debt I need this removed as this is damaging my credit history.

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 2017-05-23
Company: JPMORGAN CHASE & CO.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
The  XXXX   XXXX   XXXX  sent a credit balance of {$1700.00} to my closed Chase credit card on  XXXX   XXXX ,  2017 . I have yet to receive the money. Chase claims to have sent me a check on  XXXX   XXXX ,  2017  which I never received. I called at leas t four time s between  XXXX   XXXX ,  2017  and  XXXX   XXXX ,  2017  asking about the credit balance I was due. I have the id numbers of the individuals I spoke with. No one informed me until  XXXX   XXXX ,  2017  that a check had even been sent. I informed them again that I had not received a check and was told they would stop payment on the lost check. Today I called and found that they did not put a stop payment on the check until  XXXX   XXXX ,  2017 . Today  XXXX   XXXX ,  2017  they are telling me I will now wait anothe r two weeks for a new check and maybe even another 30 to 60 days for the process to start again. In the days of electronic transmission how can this ineptness occur? My contention is that they never should have accepted a credit to a closed account. Secondly when I found this had happened I should not have had to wait 30 to 60 days to have the money returned to me. Once they started the process I should have been n otified that a check was sent. Finally once I started asking about the credit I should have been told a check was sent. I was not thus further delaying the time frame to stop payment on a lost check. Unfortunately just another example of how the big banks take advantage of the consumer. Now I wonder if I will ever receive this credit. Would appreciate some help in this matter.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: PA
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:
Hello, my name is XXXX XXXX XXXX XXXX, and I am writing to delete the following information in my file. The items I need deleted are listed in the report. I am a victim of identity theft and did not make the charge. I ask that the items be deleted to correct my credit report. I reported the theft of my identity to the Federal Trade Commission and I also have enclosed copies of the Federal Trade Commission 's Identity Theft Affidavit. Please delete the items as soon as possible.

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 2021-09-24
Company: BARCLAYS BANK DELAWARE
State: FL
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: Card was charged for something you did not purchase with the card

Complaint:
XX/XX/2021 amount of {$1300.00} My Barclay Mastercard was used on a fraudulent charge for a jetblue ticket. I called the customer service the same day I noticed the charge, they told me to wait a week. the charge was temporary removed but recently they placed it back on my account, according to their investigation department, their decision was made based on the fact that in the past I had purchased tickets with the same airline. Not this time. I did not make nor authorized this transaction. I called their customer service department and they want me to fight the charge with the airline ; however, the airlines does not provide any information. I decided to close the account with them. However, the balance is there and I will not pay for the something that I did not use. It's a fraud. 

Thanks

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 2020-03-30
Company: SYNERGY ONE LENDING, INC.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I get phone calls at XXXX and XXXX XXXX  everyday over a month even after I registered the number. I can't talk to live person it just hangs up. left message not to call but they continue.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Incomm Holdings Inc.
State: MS
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
I received a Vanilla gift card for XXXX, I made a purchase at XXXX XXXX XXXX. I went to the Vanilla gift card website to check my remaining balance, only to find out that a charge to XXXX had been charged to my gift card. I contacted Vanilla Gift card customer service. I was told that a dispute would be emailed to me which it was and I completed and returned on XX/XX/2022. I received an email confirmation from Vanilla Gift card saying that they received my dispute packet and that the investigation will be launched and to call back in 90 days. I called back on XX/XX/2022 only to be told that they hadn't received my packet and that she would contact the dispute department and to give back in 48 hours. I called back on XX/XX/2022, only to be told that she hadn't heard anything back from the dispute department and to call back on XX/XX/2022. I called back on XX/XX/2022 to be transferred to the dispute department the lady said that she did not see a dispute packet for me, I read her what the email stated from Vanilla Gift card she told me that she will email the back office and that she is waiting for a response from them and to call back in 48-72 hours for a response. The emailed stated that investigations can take up to 90 days but most are resolved within the 90 days. Can anyone help me because I feel that I am being scammed.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-09-08
Company: EQUIFAX, INC.
State: VA
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:
These companies violated my consumer rights, by sharing information without my knowledge consent or instruction

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-01
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: FL
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
We purchased a purse from a business that described it self as Coach, selling hand bag, in leather. Upon receiving the bag we discovered that it was neither a Coach bag nor was it in leather. We contacted our bank, USAA Federal Savings Bank XXXX XXXX XXXX XXXX XXXX, TX XXXX and submitted the information requested. We had tried to contact the merchant but the XXXX number was not the business and also noticed that the item was shipped from XXXX XXXX. 

With that information in hand, my bank further demanded that we either get Customs to validate it was not a Coach bag or to take it to a Coach Store and have them document that it was indeed not a Coach bag. We contacted Coach and were told they would not provide such document. ( why would they want to get involved ) .So our bank has stated that unless we obtain a letter from Coach, the charge back request would be denied and that we are out the money. 

We believe that such a requirement is burdensome, beyond what should be ask from a customer to supply, and unrealistic for a consumer to obtain.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation