BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-05-05
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates :  XXXX   XXXX ,  XXXX   XXXX   XXXX     XXXX   XXXX   XXXX   XXXX   XXXX   XXXX ,  XXXX        XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX       These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by    XXXX   XXXX    and  XXXX   XXXX  coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the   XXXX   XXXX   XXXX    XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  and the Better Business Bureau if these issues continue to persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
There are fraudulent inquiries appeared on my report without my permission  1.    XXXX    XXXX     XXXX    2 .   XXXX   XXXX    XX/XX/XXXX   3.    XXXX   XXXX   XXXX     XX/XX/XXXX   4.   XXXX   XX/XX/XXXX   5.    XXXX   XXXX   XXXX    XX/XX/XXXX   6.   XXXX   XXXX   XXXX  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 2016-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
On XXXX/XXXX/2016 Capital One sent me an email to inform me to log into my account to cast votes for my stock. I attempted to do that but got a message that read " We are unable to accept your voting instructions online. If time permits, please return the voting instruction form in the enclosed business return envelope, or contact your financial institution. '' So I contacted the financial institution to informed them of the issue and to either send me the documents in the mail and/or fix the online issue. These request have been ignored by the financial institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Capital One credit card I opened last year early summer perhaps. I knew I had a 0 % introductory APR on purchases that expired in 2016, I could n't remember if it was XXXX or XXXX. Yesterday I went looking for this info and was surprised that there was no reference to it anywhere on my statements or online profile for this credit card. After contacting Capital One I learned that this information is not available to me, I have to call in and ask about it. It appears that by not being upfront about this information they are making it very easy for the consumer to miss the date the balance would need to be paid off so they could assess all the interest charges. This does not appear to be a fair or upfront practice.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: WELLS FARGO & COMPANY
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I started to receive a lot of fees and charges that did not belong to me and when I called to complain I was told it was simply the policy and that there was nothing I could do about it. So now my account is extremely overdrawn due to fees and automatic payments that were unable to be paused or paid from the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Commonwealth Financial Systems, Inc.
State: CA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The collection company stated above has reported that I received medical attention at the following facilities on the following dates or that accounts were opened on the following dates : -XX/XX/XXXX ( XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX ) -XX/XX/XXXX ( XXXX  XXXX XXXX XXXX ), -XX/XX/XXXX ( XXXX XXXX XXXX XXXX ). These accounts were placed in collections when I never received medical attention on these dates and if I had, I was fully covered by Nevada XXXX and XXXX XXXX coverage on those dates. These are false accounts with false dates in an attempt to try to prolong the collection timeframe on accounts that are clearly fraudulent. As stated before, these are fraudulent tactics and I will be writing an official complaint to the Nevada XXXX, the Nevada Department of Health and Human Services and the Better Business Bureau if these issues continue to persist.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Harvard Collections, LLC
State: MO
Product: Debt collection
Sub-product: Medical debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened or suggested your credit would be damaged

Complaint:
this company says it is a collection agency I have never done business with this company no ever had a contract are anything with them they are harassing me I would like for them to leave me alone this company say I owe them XXXX yet I have never heard of them and they also that they are a debt collection agency I have never done any business what so ever with this company and have never heard of them I believe they are an illegal company its against the law to put a collection on a persons account with out contacting them 30 days prior and in do n't no this place are who ever they say they are remove this from my credit report all 3 major reporting agency. called no answer phone ring then go busy.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: KBR INC DBA RASH CURTIS & ASSOCIATES
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have repeatedly requested that Rash Curtis & Associates provide me with an explanation of the amount they claim I owe, how that amount was calculated, account history. They have refused to provide this or any copies of documentation that this debt is in fact mine. Yet they have been willing to put this unverifiable debt on my credit report, as well as send me a continuing stream of collection letters. Please see attached.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Nelnet, Inc.
State: IN
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
on   XXXX   XXXX  2017    I first spoke with customer service person once again I was not read any mini  XXXX . He was extremely rude and argumentative. in the background I hear d two other  women speaking about another account when I finally asked for a supervisor. He kept saying that I filled out the paperwork wrong when I try to explain that they 've been corrected he wanted to continue to argue with me. When I asked a supervisor they gave me a team lead. I wanted to speak with supervisor I was on hold for abou t five min utes never received a supervisor said I would speak with somebody higher up than the supervisor still was not given that courtesy to speak with supervisor. Did agreed to speak with the team lead. I was asking about the discretionary income clause that President Obama set up for Student Loan 's and was totally ignored they were still basing things on gross income and poverty level which had nothing to do with what I was applying and for was not helpful with me at all that perhaps maybe I was even filling out the wrong repayment option and finally offered me the forbearance for a year. I felt I had no choice but to apply for forbearance I wanted to pay on my student loan and continue making payments When I read their response my first complaint nobody told me anything about my application being approved or was given y amount of {$150.00} and matter fact i was told it would be more than I was currently set up with because of some overtime. I could not afford present payment. There is so much inconsistency as to what they 're doing that I feel that my loans and not being handled incorrectly. They are not helping. I am strongly considering hiring an attorney for these actions that have been taken b y Nelnet. I happ en to have a medical condition that I could easily try to apply for  disability  and perhaps even receive full disability I choose to work, I choose to pay my student loan back but these people were n't interested in that at all What they have chosen is to charge me more interest on this loan while during this forbearance. Because they would not even go over different options with me on repayment and discuss discretionary income which is very different than gross income which t hey did not seem to understand. I have contacted now nelnet in the last six week s twice and I 've been treated very rudely, not helpful, not company doing there job. At this point I would prefer to only speak with the supervisor and when I mean supervisor I do not mean a team lead an account  manager  or customer service person. I am looking into hiring an attorney to file lawsuit against nelnet.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CCS Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CREDIT COLL ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CREDIT COLL or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CREDIT COLL or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XXXX/XXXX/XXXX ADDRESS XXXX XXXX XXXX XXXX XXXX, XXXX, AK XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: AMERICAN EXPRESS COMPANY
State: NY
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: Overcharged for something you did purchase with the card

Complaint:
I charged a pool renovation to my  American Expres  XXXX  card. The pool company charged {$2100.00} more than we had agreed. I tried in good faith to resolve this with the pool company with various emails but they slow in responding and finally unresponsive. I put this amount into dispute with  American Express . The pool company refunded {$730.00}, which left {$1400.00} still in dispute.  Amex  then wrote to me ( letter attached ) saying " we have no further recourse with this merchant due to the timeframe  XXXX  which we were contacted to open this billing investigation. '' Please note that the fraudulent nature of the charge is not in dispute - this claim was denied ONLY due to the timeframe in which it was opened.     I opened this dispute in  XXXX    XXXX  . However, I previously called  American Express  about this dispute on  XXXX   XXXX ,   XXXX  . There is still a note in the file that I called on this day and the call was recorded. On that call, I told the agent that I was still discussing this dispute with the merchant but I was concerned that the timeframe for putting the charge into dispute would expire. The agent told me that I SHOULD NOT BE CONCERNED ABOUT THIS, BECAUSE THE NATURE OF THE DISPUTE DID NOT SUBJECT IT TO A TIMEFRAME. She went on to tell me that I did not have to put it into dispute at that time. This can easily be verifie d - American Express  can provide the script of the call I made to them on  XXXX   XXXX ,   XXXX  .

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-04-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
XXXX bank reported XXXX XXXX  late payment to Transunion. The account has been closed since XXXX and was paid in full. Reported a {$14.00} balance and XXXX XXXX  late on XX/XX/XXXX. I live in XXXX and am in quarantine. Never received any notice or bill. 
Tried to contact XXXX bank for XXXX XXXX  can not get through. Tried to dispute on Transunion and I keep getting their system in not working and can not submit dispute. Also tried to dispute on XXXX XXXX but they told me to do it directly on Transunion. I have been unable to dispute the charge. 

This lowered by credit by XXXX points during a pandemic for {$14.00} on a card that has been closed for XXXX XXXX, No notification was sent and I can not contact anyonet not XXXX and not Transunion and Not 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 2017-05-05
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , TN  XXXX   XXXX  Public Record Date Status Amount Legal Item Apr  XXXX ,   XXXX   Paid {$6900.00}  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX  Apr  XXXX ,   XXXX   Status Paid Amount {$6900.00} Classification Legal Item Type  XXXX  Contact Details  XXXX   XXXX  SESSION  XXXX   XXXX   XXXX   XXXX , TN  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with TransUnion, please wait for your prior dispute request to be processed or contact TransUnion directly.   See the details here  XXXX   XXXX   XXXX  on your credit report This debt is with  XXXX   XXXX   XXXX . I have included the doc number and phone number. This debt was never mine. It has been paid in full but still remains on my TransUnion report. You need to contact them at the number indicated above and have it completely removed as a public record. 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 explanation
Consumer complaint received 2017-05-05
Company: ENCORE CAPITAL GROUP INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XX/XX/XXXX  Open {$1500.00} Account Details Last Reported  XX/XX/XXXX   Collection Agency  MIDLAND FUNDING LLC Original Creditor  01    XXXX   XXXX   Status Open Opened Date  XX/XX/XXXX  Closed Date -- Responsibility Individual Balance {$1500.00} High Balance {$1500.00} Remarks Placed for collection Creditor Contact Details MIDLAND FUNDING LLC  XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , CA  XXXX  (  XXXX  )  XXXX  Since you currently have an open dispute request, you ca n't dispute any other errors through   XXXX   XXXX   at this time. If you found new errors to dispute with  XXXX , please wait for your prior dispute request to be processed or contact  XXXX  directly.   See the details here

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One is reporting an account on my credit report that is a violation of the Fair Credit Reporting Act the Bankruptcy Stay law. I filed bankruptcy on XXXX 2014 but they reported my account as being 30 days past due as of XXXX 2014, XXXX 2014 when they can not due that since they were notified that I filed bankruptcy that finally went through on XXXX 2014. I have tried to dispute this account with them directly and with the credit bureaus to no avail. They are causing my credit score to be even lower as a result of this.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-05-05
Company: Ditech Financial LLC
State: MN
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
DITECH company has failed to pay my property taxes. However the mortgage statement showed that they used my escrow funds to wire the payment on  XXXX . I call ed  XXXX  times and sent them  XXXX  letters. They have given me  XXXX  different and contradictory re asons why the payment has not been posted by  XXXX   XXXX  property taxes. I had to paid the first half payment.      DITECH  also told me that my insurance company had billed them for homeowners insurance. This is a lied and my insurance company faxed them proof an dpayment of my home owner 's insurance.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NH
Product: Credit card
Issue: Other

Complaint:
I have requested information/validation on this debt bearing my signature and have not received anything stating that I owe this company any money. They have repeatedly responded stating that they have investigated and verified the validity of my debt and do n't even allow me to dispute their claim. I have never done any business with XXXX, never signed a contract, nor do I owe them any money.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Other

Complaint:
I have been using my Capital One GM card to pay for insurance for several years and until recently never experienced a problem. XXXX XXXX XXXX I received a notice from XXXX insurance that my policy had been canceled for nonpayment of premium. I immediately called XXXX for an explanation and was told that my charge to the credit card was declined which I could not understand I will tell you right up front I have an XXXX credit score and finance nothing on my credit cards. After investigating the problem I found out capital one changed my credit card account number without proper notification. I immediately called Capital One and asked them to send me a letter of explanation so that I could forward it to XXXX showing it was not my fault and they would reinstate the insurance. I was told by XXXX XXXX that she would not send any letter indicating a mistake had been made by them. I find it extremely interesting that I was still making payments I charged with my old account number and they had no problem processing it. I do not know whether this affected my credit score but it was extremely embarrassing and I find it unbelievable they are not willing to take responsibility for their action.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Transaction issue

Complaint:
On XXXX XXXX, 2015, I made a charge to my Capital One Master Card in the amount of {$48.00} to XXXX XXXX XXXX XXXX in XXXX, WV for a deposit on a lodge reservation. I called XXXX XXXX on XXXX XXXX, 2015, and cancelled our reservation, which was within their cancellation policy, and they were to refund the deposit. XXXX XXXX made the refund to my Capital One Master Card on XXXX XXXX, 2015, however ; they erroneously made the refund for {$590.00} instead of {$48.00}. XXXX XXXX tried to do a charge back for the erroneous balance but it was declined. I have been working with XXXX XXXX since then in calling Capital One to have them return their money. Capital One refuses to return the balance to XXXX XXXX. My account is currently on hold due to payment issues as I am XXXX. This should not even be an issue as Capital One is only entitled to {$48.00} credit which was the original charge amount. XXXX XXXX has told Capital One that they made the error. I am being held hostage by Capital One as they will not release the money back to XXXX XXXX until I pay my account up to date and keep it current for 60 days. This is not in any way my error and I do n't understand why Capital One feels like they can keep someone else 's money. This has been going on for weeks with phone calls and XXXX!! Capital One should return the money to XXXX and deal with me for my personal account which has nothing to do with the merchant! This in my eyes is illegal and the XXXX has thrown my XXXX XXXX putting my health in a bad place right now.

Company response to consumer: Closed with explanation