BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a Capital One Credit Card to help raise my credit score. I made very small purchases on my Capital One Credit Card, and paid these small balances off immediately, even before my statement due date. I was under the impression that I was making a valiant effort to repay my debt. There was an error in my bank information resulting in my payments being returned. When I noticed this action I immediately called Capital One to resolve the issue. Upon resolution, I was guaranteed there would be no negative action on me including late fees, negative credit reporting or closed account. The next day I found out my card was placed under fraud alert, due to my returned payments, which I corrected the day prior. Capital One needed to verify my bank information, which I complied with, and confirmed a few days later. The payment was withdrawn from my bank account. After my bank account was confirmed, my account with Capital One was closed. I AGAIN called Capital One to figure out why my card was declined, I was informed my account was closed. I spoke to at least 10 managers and more than 20 representatives during my phone calls, and was assured over and over my account would be okay. I was told I would receive a call back by many representatives. I was told I should expect a call back within 3-5 business days, it has been 7 business days since my last phone call. I have done everything and more expected of me to resolve any issues with Capital One, including initiating phone calls when something was wrong with my card. The guarantees provided by Capital One have not been honored, or valid. The customer service provided by Capital One has been horrendous, and no one is willing to help me with this issues. I have spent over 20 hours on the phone trying to resolve these issues. I have been the one to initiate the phone calls, and try to get a resolution. I believe Capital One is unwilling to help their customers, and wrongly closed my account causing : loss of time and possible damage to my credit. Had Capital One notified me of any suspicious activity I would have been able to resolve these issues immediately. The notification of Capital One is the reason I am in this situation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-02-19
Company: MRS BPO, LLC
State: PA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I had a bill for internet service settled before I moved out of my apartment. I dropped off the modem and went to the XXXX XXXX XXXX/ XXXX  store and asked working employees if I needed to clear anything else and they said no everything was taken care of. This included any charges and anything else. 

Three years later in XX/XX/XXXX MRS associates and XXXX XXXX who are two different debt collection agencies are asking me to pay different amounts. MRS associates threatened that if I didnt pay within 40 days they could attack my credit. 

I called XXXX  when I received the email from MRS associates and they told me I owed money. I told them I was already disputing the amount I owed with MSR associates. XXXX  said they were going to dispute it also but they said they would call back in three business days and they did not. They didnt have me on file for any charges and said it was waved but it showed I still owed money but couldnt find out what the charges were for and werent clear because everything was cleared? 

I am not sure how I have debt with XXXX, XXXX XXXX and MRS accociates all at the same time for different amounts for something i never owed money on to begin with and am afraid that my credit will be attacked. 

Please help me.

Company public response: Company believes the complaint provided an opportunity to answer consumer's questions
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was discharged in bankruptcy

Complaint:
Capital One continues to report an account that I discharged in a Chapter XXXX bankruptcy XX/XX/2003 ( 13 years ago ). It is beyond the 7 year reporting allowed by the Fair Credit Reporting Act. The BK case number is XXXX XXXX XXXX District of California.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
My mother was critically ill. She signed powers of attorney to me, her oldest daughter, to manage her money and pay bills. I went to Capitol One Bank and they refused to honor the XXXX of Attorney at all! Fortunately, she had me as a signature on her main account so I was able to gain control of that money. XXXX weeks later she was deceased. My brother, sister and I went to Capitol One to close her accounts and divide the money XXXX ways as were her wishes. I was able to get the money on the main account as above. We were able to get her other checking account closed. However, she had a XXXX there. Capitol One refused to break the XXXX and divide it. They would only allow my sister who was listed on that XXXX to retain ownership in her name alone. Other banks were all able to break the XXXX and divide the money for each of us. Capitol One said the judgement of possession did not give us the right to obtain the XXXX money before maturity! How is this legal?

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-12
Company: JPMORGAN CHASE & CO.
State: MO
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XXXX XXXX, 2015 I sent a validation letter. I have not heard back from them nor have they noted on my credit report that I am disputing these charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-26
Company: LEXISNEXIS
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Incorrect information on your report
Sub-issue: Personal information incorrect

Complaint:
I requested a copy of my report from LexisNexis. When I review the report, I was shocked to find as many as XXXX reporting errors, including insurance information, public records, addresses that were not mine and other information that clearly indicate that I was a victim of identity theft. Unlike the credit bureaus, this information was inaccessible to me and the agency is not required to provide an annual report. A family member informed me of LexisNexis, instructing me to request a report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-25
Company: EQUIFAX, INC.
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:
This is not a duplicate nor is this complaint filed by a third party. I am filing this complaint myself. Please see this complaint is processed to the letter of the law. In previous months, I requested updating of inaccurate information which another credit reporting agency found to be inaccurate and had verified. Due to your lack of response, or responses which I classify as frivolous, you have dishonoured FCRA regulations and my request for verification. If you wish to correct this dishonour, I will give you one more chance to correct your errors and update my records. Please CORRECT the item, as it was already corrected from the other bureaus. You have 30 days to CORRECT this item listed below : XXXXXXXX XXXX XXXXXXXX XXXX Date Opened:07/20/2020 Balance : {$360.00} -Late/Open Late Date XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-26
Company: General Motors Financial Company, Inc.
State: IN
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
XX/XX/2016 XXXX XXXX GM FINANCIAL XXXX, TX XXXX Re : Acct # XXXX To Whom It May Concern : This letter is a follow up to my original letter dated XX/XX/2016 regarding an inaccuracy on my credit reports, regarding account # XXXX, which you claim MY ACCOUNT WAS CHARGED OFF {$18000.00}. 
By not replying in a timely manner to my initial letter on XX/XX/2016, you have not only violated federal law, but you have also failed to provide me with a copy of any viable evidence, bearing my signature, showing the account is being reported accurately. 
Be aware that I am making a final goodwill attempt to have you clear up this matter. The listed item is entirely inaccurate and incomplete, and represents a very serious error in your reporting. 
I am maintaining a careful record of my communications with you for the purpose of filing a complaint with the FTC and the Attorney General 's office, should you continue in your non-compliance of federal laws under the Fair Debt Collection Practices Act. I further remind you that you may be liable for your willful non-compliance, as per FDCPA 807. False or misleading representations [ 15 USC 1962e ] As you have now violated federal law, by not properly investigating within the required timeframe, and I have evidence of such, via certified mail receipts, you must now remove the item. Any other action ( or in-action ) on your behalf will result in a small claims action against your company. 
I will be seeking up to {$5000.00} in damages for the following : 1 ) Defamation 2 ) Negligent Enablement of Identity Fraud 3 ) Violation of the Fair Credit Reporting Act and Fair Debt Collection Practices Act You will be required to appear in a court venue local to me, since you are clearly doing business in my area. 
Please Note : This notice is a XXXX attempt to correct your records, and any information received from you will be collected as evidence should any further action be necessary. This is a request for information only, and is not a statement, election, or waiver of status. 
Sincerely, XXXX P.S. Please be aware that dependent upon your response, I may be detailing any potential issues with your company via an online public press release, including documentation of any potential small claims action This is the copy of the letter sent to Gm financial in XXXX, Tx. the did not only respond or provide requested documents as requested in the letter above.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Application processing delay

Complaint:
I have an issue with capital one. Capital one is still processing my application. They are doing so because they say they can not reach me to verify my information due to the fraud alert that I have on my report. I left a voicemail with the fraud department. I also called and spoke with a rep that kept me on hold for a half hour and then hung up on me. All I want is my application processed. They could have contacted me on the number that was on the application. I have had the same number for 3 years. The lack of communication is ridiculous. Not to mention that they have sensitive information that they are sitting on.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: I.C. System, Inc.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I visited the neurologist for a regular appointment. XXXX XXXX XXXX told me there was nothing wrong with me then said I had XXXX and sent me on my way ( he misdiagnosed me because other neurologist later determined I had small XXXX XXXX XXXX. My insurance company paid them everything that was owed per their agreement for this type of visit. They are charging a predatory consultation fee of {$500.00} because they said the appointment and services rendered took a long time. It was a standard appointment. This doctor is knowingly creating false bills as my insurance company has reached out several times to explain why he can not bill this per their agreement and he disregards their contractual terms.

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 2015-04-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Advertising and marketing

Complaint:
I am deluged by credit card offers from Capital One. This unwanted junk mail is a source of great irritation and needless inconvenience as I have to shred the unwanted solicitation. And this continues despite having requested the Credit Bureaus and Capital One to have my name removed from such solicitations. I would like CFPB to impose harsh penalties on such banks who refuse to comply with customer requests to cease soliciation

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-03
Company: Pine Court Holdings, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Closing on a mortgage

Complaint:
My partner and I have been trying to close on a Mortgage since XX/XX/2022. Since day one process felt fishy. We encounter so many obstacles from lender. We tried to lock rates before they went up and the loan officer just told so many excuses to prevent us from locking rates. Then we learned that the same house we're buying the price went down as well as closing cost grant were raised. We spoke with the lender to see if we could match the new closing costs grant and match the selling price. We were denied by the XXXX XXXX division supervisor. But if we cancel the process, this home will be sell under new prices and closing costs. Never the less we decided to move on and complete the process even that this feels wrong and discriminatory. 5 months waiting to close and the house to be finished. Then the underwritter started to asking questions that was already answered since day one. Questions that impose we were lying. That the provided employment information about reallocation was a lie even when all the bank statements only had my employer direct deposits with the employer name on each deposit. We finally received in XXXX the final disclosure for the loan, which we signed. XXXX XXXX week before closing, they sent us a " revised '' new agreement with the monthly loan payment being raised. I've never felt so mistreated and discriminated in my life. XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. One week before closing they're changing everything just to make us walk away and not complete the process and lose the {$5000.00} deposit.

Company response to consumer: Untimely response
Consumer complaint received 2022-10-26
Company: Mr. Cooper Group Inc.
State: CO
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Second Filing. XXXX was done and not reviewed by the CFPB. 

I have contacted Mr. Cooper on several occassions. They are holding almost double the oustanding balance of the loan and have cost me substantially because I didn't have the money to pay a deposit for repairs. XXXX XXXX Loan Number XXXX Balance approximately {$72000.00} Holding insurance amount over {$120000.00} They will not send documentation as to what provision allows them to hold this money, they will not respond with written correspondence and they will not release the amount over the XXXX What law governs this as I would like to pursue legal action pro XXXX. I also want to formally file a complaint here against Mr. Cooper. They have also charged me late fees that were not late in the past.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
On or about XXXX 2015, I was going through a divorce and had to change my bank account on my automatic payment service on my Capital One credit card. I changed the bank account number and am positive that once I changed the account number that I re enrolled in the automatic payment to deduct the minimum payment due for each month. Two months later, I receive a call from Capital One saying that I have been 60 days late on my payment. I was shocked as I know that I set up automatic payments with Capital One, as I do with all of my credit cards. The representative said that my automatic payment was not enrolled. 

Fast forward to this month, I am applying for a mortgage for a new home. My lender says that there is derogatory items on my report. XXXX late payments totaling in a 60 day late on my credit report on XXXX and XXXX 2015 from Capital One. 

I called Capital One and explained the situation but they are telling me that the information is accurate and they are obligated to report to the Credit Reporting Agencies ( XXXX ). 

Because of Capital One 's negligence or glitch in their system my credit score has dropped significantly and now am unable to get an excellent mortgage rate to purchase my new home. 

I 've never missed a late payment with any of my credit cards. 

This is a mistake on Capital One 's part and I should not have to be inconvenienced by their mistake or glitch in their system, as I DID re enroll in the automatic payment thru their website. I 've had credit cards and car loans through Capital One and for them to not rectify this problem is absurd.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-03
Company: WELLS FARGO & COMPANY
State: VA
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Fraud or scam

Complaint:
I was sent a printed out picture of item I thought would be a physical belt. No where in the description did it list printed picture its a clear scam and I cant get any help since there is tracking for it I submitted evidence to XXXX and Wells Fargo and have been denied and getting the run around from both. The seller has even changed XXXX name at this point from XXXX to XXXX.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-10-26
Company: TransferWise Ltd
State: MA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
Hi, I try to send {$400.00} in my account from XXXX, in that day I cancelled the transaction and they asking me for a refund, I gave them all my account details, after that they send me an email we paid you refund in XX/XX/XXXX you have the money 10 working days ... ..of course I don't have the money.. yesterday I call them and ask them what happened with my money, they told me money should be in you account, and asking me for my bank statement from XX/XX/XXXX until XX/XX/XXXX to check me if I have the money ... .and after that they told me ohhhh your money should be in that XXXX  bank account... there is know way ... because that account is not a USD account is XXXX  XXXX account ... I can't reserve in there only XXXX  money ... ..I tell them if you said that ..where is the fee which I have to pay for the refund because is considering international tranzaction ... after I told than that they don't answer anymore... Thanks XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
my husband added me as an authorized user on his account with his capital one credit card. M husband lost his job and stopped paying on the card and it went to collections. I recently went to apply for a small loan and was told that it was showing on my credit report that I was delinquent on my payments with capital one. I 'm only an authorized user. My husband called capital one and they confirmed this and stated that I needed to contact the credit bureau. I want to get my credit fixed and this off my credit reports ASAP.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One has me down for 30-59 days late when I made a payment on XX/XX/XXXX! The 30 day late is affecting my credit score tremendously and it is simply wrong! XX/XX/XXXX payments are {$25.00} a month and they waived a {$35.00} late fee that was added to the payment! Since it was waived I still paid the {$60.00} which would have been XXXX payments plus an additional {$10.00}! I know a payment is due each month but to mark me late when I actually paid over the XXXX due is simply bad business! They still as of today have me down as XXXX days past due! Please see my credit report and actual capital one payment information below! I did contact them and they said they are reporting this correctly. I disagree! 
Acount Details Last Reported XX/XX/XXXX Creditor Name CAPITAL ONE Account Type Credit Card Account Status Open Opened Date Apr XXXX, XXXX Closed Date -- Limit {$300.00} Term -- Monthly Payment {$47.00} Responsibility Individual Balance {$320.00} Highest Balance {$460.00} Payment Status 30-59 Days Late Worst Payment Status 30-59 Days Late Date of Last Payment XX/XX/XXXX Amount Past Due {$50.00} Times XXXX/XXXX/XXXX Days Late XXXX Remarks -- Payment History Latest Status : 30-59 Days Late XXXX OK OK OK OK OK XXXX XXXX OK OK OK OK OK OK OK OK XXXX XXXX XXXX XXXX XXXX 30 30-59 Days Late Credit Utilization* XXXX % Creditor Contact Details CAPITAL ONE BANK USA NA XXXX XXXX XXXX XXXX XXXX XXXX , UT XXXX ( XXXX ) XXXX XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT AuthDate XX/XX/XXXX L Payment ... XXXX - {$60.00} XXXX/XXXX/XXXX CAPITAL ONE ONLINE PYMT A uthDate XX/XX/XXXX L Payment ... XXXX - {$60.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Please refer to reference number XXXX. To date I have received nothing in the way of a refund from XXXX XXXX XXXX. After due consideration it occurs to me that Capital One Bank is complicit in the failure of my attempts to get my money refunded. It has now been over a year that I am out the money. I contracted with XXXX XXXX XXXX. My credit card payment was made to a company that I never heard of : XXXX XXXX XXXX. I had Capital One stop the payment which they did. The following month they played judge and jury and awarded the money again to XXXX XXXX XXXX. XXXX XXXX XXXX never provided me with the documents to dispose of my time share condo, but they told me that they would cancel the contract. Consequently I believe that perhaps it is Capital One Bank that owesme the refund and then they can debit Way to Go Travel themselves.

Company response to consumer: Closed with explanation