BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-04-26
Company: WELLS FARGO & COMPANY
State: LA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Banking errors

Complaint:
Wells Fargo account XXXX  trying to make sure Wells Fargo dont owe me money from the lawsuit.

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 2017-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CAPITAL ONE BANK has reported to the credit bureaus falls information for an account thats not even belong to me, and that cause my financial life a big damage

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-21
Company: SUNTRUST BANKS, INC.
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In the past few weeks, I have been in a dispute with my bank about not being given a provisional credit for an unauthorized debit transaction by my cable company. In my complaint, representatives were uncooperative and would not issue a provisional credit during the investigation as they had done previously with my disputes. Plus, I had complained about the number and frequency at which I had been charged overdraft fees. After all of this trouble I told my bank I will be closing my checking account at the end of the month. I spoke with several representatives and filed a complaint through the banking system. Still to no avail, the response I received from my complaint was how to file a dispute. I responded to them by stating I was not seeking help, I was only trying to file a complaint on the issues I was experiencing. Then last week I received XXXX checks in the mail to participate as a XXXX. I deposited the checks into my account and the checks were placed on hold until XXXX/XXXX/2015. I had not withdrawn any funds from those checks and was following bank policy by waiting until the checks cleared according to the date given. Today, I tried to log into my account and could not. Then I called the bank and was told they had closed my account due to the checks I deposited were fraudulant. I told the representative, I had no idea and I surely did not know that. I told her that I did not try to withdraw funds ahead of time from the account and followed protocol when it comes to receiving checks that you are not sure of. I was told by the representative I have no recourse and my account would remain closed. I asked what is supposed to happen to my XXXX check that is to be deposited in XXXX days, she stated the bank would issue me a check. I know the bank has taken this opportunity to close my account before I can close it myself thereby holding this against me. If it goes on record that I committed fraud with my bank, this could cause me to have problems getting other accounts. It 's already causing me major inconvienences by closing the account at this time. They know I have direct deposit and automatic drafts set up for bill paying and how much of a hardship this would cause. If I had tried to get any of that money from the account before it was released by the bank, I would have understood why they closed the account. According to their policy, proper procedure would be to reverse the deposit and mail the insufficient checks back to me or I would have been contacted by phone. After finding out these checks are fraudulant, I will be filing a complaint against this XXXX company that sent the checks to me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MO
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:
I was misled by false advertising stating that the inquiries on my credit report would be soft pulls and they all turned out to be hard pulls tried contacting the creditors about the problem because t non of the issues were rectified so I then next contacted the credit agency that placed these hard inquiries on my report to resolve the issues, and nothing happened.

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 2016-05-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Last year, I applied for and was given a credit-card by Capital One. Under their rules, a starter account is opened in the amount of {$300.00}, and then, per their rules, if you make 5 consequitive on time payments, they raise your credit limit to {$500.00}. I reached that level. In XXXX, I filed a chapter XXXX bankruptcy, and they ( Capital One ) closed my account even though I DID NOT INCLUDE THEM IN THE BANKXXXX! My payments were always on time, and when I last looked, I had a balance of about {$120.00}, which I tried to pay, but was locked out of the account. I have written two letters to them, and I get no response. I offered that if they issued a card again with either the {$500.00} or {$300.00} credit line, minus what I owed, I would pay it upon receipt. I had no intention of trying to get out of paying them, my intent was to start rebuiding my credit. I did not deserve to have my credit yanked for no reason. I never missed a payment, my payments were on time, sometimes before they were due, and I usually paid more than the amount due. They do not respond, they offer no relief or options, much less an apology for closing an account that was not delinquent. Recently! I applied for another one of their starter cards, and was denied, with the response being I did or do owe them money! I owe them about {$120.00}, and had they kept the account open, it would have been paid. This is blantantly misleading and wrong for them to not allow me to have the card, and secondly, since I did not include them, I should have been allowed to pay what I owed. I do not have the account no anymore, they can look me up by my social XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-06
Company: LEXISNEXIS
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I recently quoted with XXXX. I provided accurate information to XXXX in order to obtain auto insurance to replace my current policy with XXXX XXXX, which ends on XXXX XXXX. I was quoted $ XXXX/month for 6 months under terms that provided for several liability coverages, and also included {$200.00} deductibles for comprehensive and collision. 

Upon entering my license, XXXX stated they they found additional information in my reporting file from LexisNexis, and increased the rate to approximately {$1100.00} for a 6-month policy term. This rate was increased from about {$690.00}, a total increase of almost {$500.00}. 

XXXX indicated that the increase in the quoted amount was due to the LexisNexis report signaling that I have failed to continuously maintain insurance for the past 6 months. This is untrue ; I have maintained continuous insurance for over 2 years on various vehicles and my current policy does not expire until XXXX XXXX. 

This inaccurate information is going to cause me damages of approximately {$500.00} over the next 6 months. I want LexisNexis to correct the inaccurate information about me in their file, and for XXXX to honor their original quote, which reflected the accurate information that I provided them.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
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 Reporting act XXXXXXXX XXXX XXXX XXXX  Account # XXXX, has violated my rights. 15 U.S.C 1681 section 602 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 instructions 15 U.S.C 1666B : A creditor may not treat a payment on a credit card account under an open end consumer credit plan as late for any purpose.

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 2021-03-17
Company: EQUIFAX, INC.
State: CO
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: Investigation took more than 30 days

Complaint:
Hello i am very distressed to inform you about the inaccurate reporting and violation of federal law that i have single handedly been dealing with, I sent in my dispute in 47 day ago ( XXXX ) and have still had no type of response. I feel as if i deserve more respect and common decency that i am obviously not receiving. I have informed each bureau that In these letter I quote According to the Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify, through the physical verification of the original signed consumer contract, any and all accounts that you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail or email in a fraudulent account. 

I would also like to bring to your attention that according 15 U.S. Code 6802 ( a ) A financial institution may not disclose any non public personal information to a non affiliated third party company without my consent. 

Your failure to positively verify these accounts has hurt my ability to obtain credit. Under the FCRA, unverifiable accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account listed below. 

I would appreciate these accounts being removed in a timely manner, thank you

Company response to consumer: Closed with explanation
Consumer complaint received 2023-01-31
Company: American Credit Acceptance, LLC
State: WV
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
They wont refinance or lower the payment and im paying XXXX a month

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-17
Company: SUNRISE CREDIT SERVICES, INC
State: AL
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I returned my equipment to XXXX XXXX 5 months ago when I closed my account ; I spoke with XXXX XXXX XXXX to whom Sunrise XXXX Services states the debt is owed, Charter Spectrum Communication stated they have no knowledge of this debt, and I do not owe them anything, my account is XXXX balance.

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 2016-01-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
Sometime during the week of XXXX XXXX, I contacted CapitalOne bank to close a savings account I had in XXXX. Because I had to have the balance mailed to a different address than the one on record, they told me the address change would take 10 days, after which the account would be closed and a check mailed to the new address in Florida. The account reflects that the account was closed on XXXX XXXX. A second check for a lesser amount was also issued for the interest earned but not recorded at the time of closure of the account. To date, I have not received the money. I called about it during the week of XXXX XXXX, and was told if the check had not arrived by XXXX XXXX, I should contact them. I contacted them on XXXX XXXX and was told that the check had been mailed but not cashed. They then told me an account advocate would contact me in one or two days and I could arrange to have the check overnighted. On XXXX XXXX, the account advocate contacted me and told me I would have to sign affidavits stating I had not received the checks. They could mail the affidavits to me ( which would again delay the release of the money ) - or fax it to me - and I do not have a fax. I then requested that they e-mail me the forms, which they have agreed to, but I have to take it to a notary. The amount of money is nearly {$330000.00} and not earning interest since XXXX XXXX. I now have to sign the affidavit in front of a notary and return it to them - which I can do and will do. But the entire process they have required seems a deliberate effort to release the money from CapitalOne to me. And, there is no provision for the interest to be paid during the time of the bank closing the account and me receiving it - which date is still up in the air.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-04-10
Company: EQUIFAX, 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 Reporting Act, XXXX XXXX XXXX XXXX Account XXXX XXXX, has violated my rights. 

15 U.S.C 1681 section 602 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 an account without my written instructions.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I received an email asking me to contact the bank at its XXXX number on XX/XX/2016 It says to have restricted my accounts and if I do n't call within XXXX business days, they will close all my accounts. I called immediately and waited at least XXXX minutes. But no one from Capital One came on to talk to me. I finally gave up. I am afraid that if they close my accounts, all my scheduled payments will be declined and I will suffer a major financial distress. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
well my concerns is about my credit I have problem with the capital one bank they send me to collection I open I count with capital one bank 2004 in XXXX uta they give me XXXX dollars for credit I never finish the pay after I closed my account I thinking capital one bank discriminate me inspector general I need help thank

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-18
Company: Convergent Resources, Inc.
State: OK
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
3 days ago, I received a notice from a debt collector, Convergent Outsourcing , Inc., XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX , WA XXXX. 
The creditor is : XXXX XXXX - Client Account # :XXXX - Convergent Account # XXXX. 
The notice states that I owe XXXX XXXX {$850.00}. I had NEVER heard of XXXX XXXX before I received this notice, nor have I EVER done business with them. 
I called Convergent who told me to call XXXX, which I did. I called XXXX Customer Service, XXXX, who told me to call the Fraud Dept. 
I tried to call XXXX Fraud Dept. ( 2 different times, 2 different phone # 's, XXXX and XXXX, that were provided ). I was on hold for 2 hours one day, 1 hour the second. A person never came on the phone. 
I called Convergent. They are putting this into a Fraud File. 
Yesterday, XX/XX/17, I called XXXX Customer Center. They had no record of my SS #, and asked me to bring the letter to the branch. I've lived in Oklahoma 20+ years. There are no XXXX XXXX here. She then hung up on me. 
This bank is very poorly run, and is NO, absolutely NO customer service. They need to be investigated. They, out of blue, declare that a person owes " X '' amount of dollars, yet refuse to speak to the person they are attempting to fraud. 
I would appreciate it if you would look into this for me.

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 2017-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
There a couple or several inquiries being report by Capital One Auto, there inquiries are not mine.They were never may by me on the dates I see my credit being pulled.Someone else must have made these or you company access my information without permissible purpose.I had just recently bought a car and was approved on by XXXX, so I would not have had or appled for a new loan or refinance on these dates neither.This is damaging my report and dropping my score as well.Also inquiries can not be disputed thru the credit bureaus I have tried, they said I need to contact each company directly about them and that the company needs to send a letter to have them removed from my reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Capital One is refusing to provide me with my old/last account number. I have spent hours of the phone getting transferred to different departments within Capital One and they said they are not allow to provide that information to me. I need this full number to access XXXX XXXX 's system in order to find an old receipt for a purchase I made using this card. Since it was a secondary card ( it was under my name and social security number, but used by my husband with his name on it XXXX, it is not listed on the old account statements. Only my primary credit card number is listed on the statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-14
Company: GOLDMAN SACHS BANK USA
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I signed up for the apple credit card on XX/XX/XXXX ( XX/XX/2022 ). I signed up on the website link XXXX XXXX XXXX  This website provided a promotion where if you apply for the card by XX/XX/XXXX and make any purchase within the first 7 days of opening the card you are eligible for {$100.00} promotional cash back. 

I signed up using that link on XX/XX/XXXX, made a purchase the same day. So I followed the terms of the deal. I did not receive the {$100.00}. I contacted apple card support on XX/XX/2022 to attempt to fix the issue. They said they would look into it. They just emailed me back saying I did not qualify for the promotion. However, I did follow the terms of the promotion, so they are wrong. 

Images show proof that I applied on XX/XX/XXXX, proof that I made a purchase within 7 days of account opening. Also my denial letter from Apple Card support.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
We received an email from our credit card company, Capital One, on XXXX/XXXX/16 Friday asking us to confirm recent purchases. We called on Monday, XXXX/XXXX/16 to confirm, and they said it was too late, that one of our merchant 's systems had been compromised and they may be collecting sensitive account information, so they were turning off the credit card. We asked which merchant, and they would n't tell us. We asked them to please not turn off the card because it is used for business expenses, but they said they could n't do that. They said they would send us a new card. We have waited two weeks, and still no card. Today, XXXX/XXXX/16, Monday we called to ask what the status was. They said the card was still in effect, but had just been labeled to restrict use. They never told us a new card was n't coming in the mail. We asked them to turn the existing card back on, and they finally agreed to that. Two weeks ago we asked them the same thing, and they would n't do it. This has caused an interruption in our ease of business, as the owner of the company has not had his business credit card to use for the past two weeks. Very disappointed in Capital One 's lack of communication and lack of customer service to service our needs.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-24
Company: Ditech Financial LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
My husband died on XXXX XXXX I get behind few payments and send to Forclosure on XXXX XXXX the Florida hardest hit pay to My mortgage company {$38000.00} to bring my account current but after they get the money they double my payments and fees from {$1400.00} to {$3200.00} I have proof of what I m saying I went to a court Forclosure day and the judge grant me a motion to compel because the mortgage company do n't want to cooperate with me and I ca n't afford an attorney, I 'm a head of the house my Daugther XXXX and XXXX veterans depends on me, I have proof the Green Tree take vantage of me and they denied to review my account or scrows, I applied for a loan modification and they denied with out letters and close my application for missing documents, lately they do n't want to give me any letter everything is with Phone calls the I make.I can make payments reasonable payments, they took {$38000.00} from a government agency and lie to me, I have documentation to prove. GreenbTree LLC my mortgage is XXXX XXXX XXXX died / XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-01
Company: Ditech Financial LLC
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We have not been able to work with XXXX XXXX XXXX and now Green Tree Servicing and have not had a mortgage payment since 2006 when XXXX was refinancing. Green Tree Servicing has stonewalled all our attempts to get a gov't program and/or loan modification.

Company response to consumer: Closed with explanation