BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-10-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
Violation of UDAAP - due to Unfair and Deceptive Practices : - My credit card was Paid in Full effective XXXX/XXXX/XXXX, resulting in a credit balance of {$24.00}. 
- I followed up with CapOne to determine the amount of time it would take to process my refund check ; I was told 30 days. 
- I allowed CapOne over 30 days to process my refund. At the end of XXXX I had still not received it, so I called to follow up. I spoke to XXXX who indicated the refund was in process, and I should receive it the week of XXXX/XXXX/XXXX. 
- I did not receive it that week, nor the following, so called back on XXXX/XXXX/XXXX. I was again told it had been processed and that I should be receiving the check any day. 
- My address was verified with each phone contact ; but as of yesterday, I still had not received my check. I called once again. I first spoke to XXXX, who again verified address information. XXXX could not assist me with the status of the check. I was told I would need to be put on a TEN MINUTE hold to await another party to assist me. 
- When I mentioned a potential complaint to be filed with the CFPB, XXXX immediately put me in touch with XXXX. XXXX informed me my account was closed. Yes, XXXX, I know that. XXXX had to again verify my address, but had no solution to resolving my issue other than to 'Check with your Postal Carrier '. 
- I reminded XXXX that I continued to receive statements from them at my home address. I assume they used the same data field for all outgoing communications. These communications would be sent First Class Mail - so if there were any issue with my address, the envelope would be returned to Cap One for a bad address. 
- I asked XXXX if they could do an ACH refund as opposed to a check. ( I was told in previous conversations they 'do n't do ACH transfers '. XXXX said perhaps they could - put me on hold again, and then transferred me to XXXX. 
- XXXX did not have any sense of my evident level of frustration, and did not 'tread lightly ' with what was now an irate customer. I was put on Hold again. 
- By this time I had been on the phone for 45 minutes, still without a resolution to the issue of the refund check. I waited another five minutes and finally hung up. 

I have now spent hours on the phone with this company, and am still awaiting my refund.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-03
Company: Fidelity National Information Services, Inc. (FNIS)
State: WI
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Name : XXXX XXXX XXXXXXXX XXXX A PART OF XXXX XXXX : I NEVER APPLIED THROUGH THIS COMPANY, I WOULD LIKE THIS REMOVED IMMEDIATELY. SOMEONE ELSE USED MY SOCIAL SERCURITY NUMBER. 
XXXX Name : XXXX XXXX XXXX Date : XX/XX/2022 Reason : I DIDN'T NOT APPLIED TO THIS COMPANY ON XX/XX/2022, SOMEONE ELSE APPLIED ON THIS DAY. THIS IS NOT ME I WOULD LIKE THIS INQUIRE REMOVED. 

Name : XXXX XXXX XXXX XXXXXXXX Reason : I WOULD LIKE THIS TO BE REMOVED FROM MY CREDIT REPORT.

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 2016-05-02
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have reported several issues with my credit file and Experian refuses to correct. They also prevented me from performing an online dispute ; 1 ) XXXX status date should be XX/XX/XXXX and not XX/XX/XXXX since the vehicle was sold in XX/XX/XXXX 2 ) XXXX XXXX - missing on time payments that were reported from XX/XX/XXXX to XX/XX/XXXX. 
3 ) XXXX XXXX - lease paid in full prior to filing - status date XX/XX/XXXX and not XX/XX/XXXX this would re-age my account drop off date. 
4 ) XXXX XXXX - account was closed charge off ( noted on report ) XXXX prior to Chapter XXXX filing. Status date should show XX/XX/XXXX and not XX/XX/XXXX. Having the status date of XX/XX/XXXX would reage the drop-off date of the account. The comments should indicate date of discharge not status date which they are using to calculate my time since late for financial institutions in credit scoring. Time since late = 16 months - which is not correct for all accounts they have listed ( XXXX ). This is negatively my ability to rebuild my credit and obtain credit after filing. It is also affecting my interest rates. Experian has also blocked my ability to dipute these issues online.

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 2021-08-05
Company: SN SERVICING CORPORATION
State: MA
Product: Mortgage
Sub-product: FHA mortgage
Issue: Struggling to pay mortgage

Complaint:
SNSC MORTGAGE failed to send auction notice to correct adresses to all parties Failed to process the loan modification application submitted well before the auction Provided them proof of funds to reinstate the loan .Denied to accept reinstatement went off to auction, even though provided them proof of funds for the reinstatement.

1 : Auction notices were not served or sent to us. Auction was defective 2 : Loan modification application is still pending 3 : reinstatement denied, provided them proof of funding to cover reinstatement amount.

SNSN deceit us. we believe auction processes was defective.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: Quality Asset Recovery LLC
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
i was checking my XXXX credit report and i found a collecton account on my credit report with amount : XXXX I didnt use this service and i didnt authorize it to be done under my social security number i contacted the original : the representive of the original creditor told me there is no unpaid bills or any bills under my name or my social security number has been transfered to the collection agency I Dispued i from my XXXX credit report and due to the invistgations it has been deleted from my transunion credit report but the Quality Asset Recovery reinserted it on my XXXX and XXXX credit report without sending me any notification - This is a violation to the Fedral Fair Credit Report ACT Section 6o9 FCRA Section 6o9 XXXX The original creditor should ask me to pay this bills before it get transfered to the collection agency XXXX This collection account has many incorrect informations as 1 - my first name 2- my last name 3- my mailing address XXXX iam already having XXXX how come to receive medical bill while iam having medical insurance XXXX I made a recorded phone call with the agent of the original creditor to as about this bills he told me there is no unpaid bills under my name XXXX here is a copy of my XXXX and recoded phone call with representive of the original creditor

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed
Consumer complaint received 2015-04-09
Company: Blakely-Witt and Associates, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
In XXXX 2009, I signed a XXXX lease with XXXX for my cousin. When the XXXX month term was up, I extended the lease for XXXX additional months, and she moved out when the lease was up. When I learned about the collection, I quickly contacted XXXX who verified that I did not owe them a XXXX. I 've attempted to contact BLAKELY-WITT in writing but I have not received correspondence form them.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
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: Was not notified of investigation status or results

Complaint:
On XXXX XXXX I sent a letter regarding inaccurate and unknown things on my credit report to this day over 60days later. I have not received a response yet I feel like I am being taken advantage of and being ignored of my disputes. Section 611 ( a ), It is plainly stated that a failure to investigates these items within 30 day gives a reason to immediately remove those items from my credit report it has been over 60 days so they should e deleted promptly. I demand these accounts be deleted immediately or I will file for litigation due to stress you caused me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-19
Company: Experian Information Solutions Inc.
State: SC
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
On XXXX I filed a dispute with Experian disputing the following accounts. But they never responded to my dispute. I disputed that the accounts below is not reporting accurately. 

Here are the accounts that I XXXXXXXXXXXX BANKXXXX XXXX BANK XXXX XXXX XXXX XXXX & XXXX BANKXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-10-10
Company: Navient Solutions, LLC.
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Don't agree with the fees charged

Complaint:
I am submitting this complaint regarding my student loan with Navient previously known as XXXX XXXX. I have taken out a loan in XXXX for XXXX. Now the cost is over 5000 and they are claiming that I am in default. One loan i have is paid off, the other is still in repayment. If the payments are grouped together, how is one in default and the other not? I have submitted transcripts to Navient and also a request to delay payment while in college. The transcripts were from XXXX XXXX at XXXX XXXX and XXXX XXXX XXXX XXXX XXXX. They have refused to accept them. I have been paying my loan as my monthly statement becomes available paying anywhere between fifty dollars to a little over two hundred dollars. I have been paying on time and current for over* two years. When I logged into my account I have three loans. One is listed as paid in full, another as paid in full the final one I am still paying on. The issue is that, while one stated paid in full was later changed to Paid in full by the Department of Education. I was never notified of this by Navient. I was later contacted by a collection agency assigned by the Department of Education, XXXX  They have been calling me mercilessly at work and home. They have been sending letters to my home. I have set up a payment arrangement with them in the mean time, me that the past six months. They have been telling me they would send me information that I am in a rehabilitation program. They have not done so. They have changed their story every time I called them. Now they are threatening to garnish my wages within the month. This upset me because I should not even be in default. I am still in college, i attached my payments. Now that this is posted on my credit i can not apply for financial aid either. Another reason, I have been paying the agreed amount to XXXX What they have done to me is unethical and illegal. Attached are my transcripts, copies of Navient payments, letter threatening to garnish wages and past checks sent to XXXX. The most convenient way to contact me is via email, I work days. If you chose to contact me via phone, please leave message and I will return it. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
Contacted the company and credit bureaus regarding reporting issues.

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 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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 had a Debt with The XXXX XXXX that I paid in XX/XX/2020 through the collections company they sold it to, XXXX XXXX XXXX  ( XXXX ). I was told by XXXX XXXX XXXX that it would be removed from my credit reports ( all 3 ) within 30 days. I called 30 days later to tell them that it had not been removed and they said it was because I had to call them to request it be removed and that it would be done in ... 30 days. By then the holidays were happening and I didn't check again until XXXX. Still on all 3 reports. 
I called again and was told that it looked like no one had put in the request and it would be removed in ... thirty days. 
I called back early XXXX and was told that they don't remove collections, they just take payment and it would take 7 years to " fall off ''. I told them I had called several times before and no one had told me that. The woman said that she could see I had called but they don't remove collections they just report it paid and to be a {$0.00} balance and if I wanted it removed I would have to call the originating company, XXXX  XXXX XXXX. 
I called XXXX  XXXX XXXX and they told me that only XXXX could have it removed, or I could call each individual credit agency, which I did. They took a dispute but so far, 2 of 3 put the dispute in as being a dispute about the amount, which it is not. 
I have submitted a complaint with XXXX  and tried calling XXXX back several times but they keep telling me that they do not remove collections. 
I am trying to get financing to purchase a home. During that process over the past year I paid off my debts and had no problem getting other collections, some for much higher balances and at least ONE other that was settled through XXXX, removed. I do not understand why XXXX  XXXX XXXX and/or XXXX will not remove this last account but I would like it either done, or explained. 
Thank you for your time.

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 2017-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My husband and I have multiple bank accounts with Capital One. Joint checking, business checking, savings, and savings accounts for my children, and a checking account for my mother in law that we also control ( 6 or 7 accounts in total ). We have had these accounts for many years - originally with XXXX, and then Capital One when they bought XXXX. On XX/XX/2017 we received 4 letters in the mail ( one each for XXXX of the accounts ) dated XX/XX/2017, saying the following : " Your account ending in XXXX will be closed on XX/XX/2017. As provided in the rules governing deposit accounts that you received at account opening, Capital One Bank may close any account in our sole discretion at any time and for any reason. We 'll send you a cashier 's check for the balance. Please stop writing checks and cancel any automatic deposits or payments for this account right away. If you have any questions, please call us at XXXX or stop by the branch. Thanks, Capital One Bank '' This is the first notification we have received of this. We have a lot of money in the bank. We have never once overdrawn. I have a huge amount of time invested in setting up bill payment, direct deposit, online access, etc. This is a HUGE inconvenience, and while it may be allowed, I ca n't in my wildest dreams imagine a business reason for doing it. 

We called the number on the letter immediately. That was Thursday evening XX/XX/XXXX. My husband went through 3 layers of people. Nobody could help. He was told that he had to speak to a case manager, and that person would call on Friday ( they never did ). He tried calling and once again got nowhere. He went to the branch ( as mentioned in the letter ). They could do nothing for us. They said they have no access to the system that could explain this. Now it 's the weekend. We will be out of town for much of this coming week at a conference for business, so we have almost no time to deal with this. By the time we return it will be XX/XX/2017 and the accounts will automatically close 2 days later. We ca n't wait any time at all to be opening new accounts and have a way to pay bills. I ca n't fathom a reason for this. The only possible explanation we were able to get from the 3rd person on the phone on Thursday night was that they had discontinued offering the types of accounts that we have. Okay. So, why not send a letter saying that, and give us 30, 60, or 90 days to transfer to a different type of account?

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: EQUIFAX, 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:
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 Commissions Identity Theft Affidavit. Please delete the items as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-27
Company: SYNCHRONY FINANCIAL
State: CA
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:
The account was paid in full and never late. The account shows up on my credit report as paid in full, but is showing a negative result. I disputed this with the company and the credit reporting agencies, but the error was fixed to no avail. The account shows paid in full as agreed to the terms of our contract, but it is showing negative. The account should show paid in full and never late.         Account name SYNCB/ROOMS TO GO Status Paid, Closed.   Date open ed  XX/2014  Deta ils Payment never late Additional information Account was paid in full and closed. The account should not reflect any negative balance or negative credit history.

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 2023-03-23
Company: WELLS FARGO & COMPANY
State: DE
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
incorrectly charged overdraft fees on debit and ATM withdrawals, as well as having money unfairly " frozen '' if Wells Fargo suspected a single deposit was fraudulent. 

Multiple times my account was charged unjustifiable fees which is why I walked away from the 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 2021-08-05
Company: I.C. System, Inc.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This account is inaccurately and erroneously reporting. Their intentional and willful furnishing of inaccurate information is a violation of FCRA Section 623 and according to FCRA Section 611. I have done many attempts to reach out to XXXX  Credit Bureau but they failed to give me any results or feedbacks about this concern. Please investigate and remove it from my personal credit file. Thank you.

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 2020-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
I paid off my last statement in full. But they are telling me that they can charge interest even though I have a XXXX  balance. I know this is illegal and I have no intention of paying interest every month on a XXXX  balance.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
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 have been filing disputes since XXXX of 2021 with XXXX, Transunion, and XXXX. XXXX  XXXX is reporting a past due balance that's against violation of my FCRA rights. Credit Collection is paid off and it's showing that's it not paid.

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