BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-06-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
This is an account that my ex-husband racked up. He was supposed to pay this and did n't. Now, my current husband and I are applying for a mortgage. My husband is willing to pay this off but needs to have it removed from the credit report. They said they wo n't do that and that I can request the credit bureau to do that ( false ). 
While on the phone with them, they repeatedly tried to get information out of my husband ( name, address, etc. ). They threatened to keep calling until the debt was paid and the person was very rude. She had a very bad attitude. In my opinion, I should n't be treated like that if I am trying to pay the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Remex, Inc.
State: NJ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
The representative who helped me to make a payment told me that he is going to remove this as never charged, but still on my credit. can you please verify this and remove this for me? 
Thank you!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-03
Company: ENCORE CAPITAL GROUP INC.
State: GA
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Collected or attempted to collect exempt funds

Complaint:
Under duress and extortion from Midland funding, the company agents threatened to take my disability income and social security income and told me i have to ACH funds automatically to avoid my social security and disability from taken away from me. I just read that it is illegal what midland threats and extortions. I have been suffering from XXXX XXXX XXXX and sadness. I cant afford to pay my necessity bills as that {$100.00} is ACH. Please help me as they took so much money from me over {$900.00} already. thru duress. I am so so sad. The bill is in my husband 's name XXXX XXXX and I attached the evidence.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I have been in foreclosure since XXXX first with XXXX XXXX XXXX, where i sent a payment in and the XXXX XXXX XXXX sent payment back and this is how I started foreclosure, due to myself having XXXX XXXX XXXX.at the time i had gotten sick we had no health ins had to buy XXXX well its a no brainer the XXXX hlth Ins came before the Mrtg. 
Anyhow now XXXX XXXX XXXX sold the Mrtg to Capitol One Bank I 've been trying to work a modification, with them.My house was set for sheriff sale on 4 different occasions and the last date was XXXX XXXX XXXX. When I called bank they told me my house sold I spoke to XXXX different people, XXXX XXXX, XXXX.After speaking to XXXX I asked for Banks Lawyers number and Lawyer had told me sheriff sale was canceled by them on XXXX XXXX. I called Bank asking to speak to XXXX who is in charge of the Packet she never phoned us or a letter was never sent telling me my package was dropped., I told the bank this, no letter ever sent. Well on XXXX XXXX they had a letter over nighted by XXXX post marked for XXXX XXXX XXXX the letter was dated on top with the Banks letter head XX/XX/XXXX.The letter stated my house was up for foreclosure sheriff sale and canceled because of incomplete package and up for sale, but no date of sale on letter.So what i am trying to say is this Bank is changing dates post marking not sending and not informing us properly to give us the chance to get our paperwork in on time.Please any help I can get to save my house, would be greatly appreciated, or to get the Bank to work properly and fairly with us as customers. 
Thank You Sincerly XXXX and XXXX XXXX and XXXX XXXX my cell # XXXX XXXX XXXX XXXX Capitol One Bank Loan # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I found out from my credit that there was XXXX hard inquiries on my credit. These are XXXX, Capital One, XXXX, and XXXX XXXX. I already talked with XXXX and Capital One they confirmed that somebody fill out an application. Please help me How to deal with this. 
Thanks

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-14
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have previously sent a letter asking that someone look into the loan practices of Wells Fargo Home Mortgage, and to date I have received absolutely no no help. I am hoping that now, someone will check into their loan accessing fee fee 's for late payment that have been paid. yet it never be taken off the loan. 
I have pad XXXX late fees. and sent them to the person over the cu Customer Care group, XXXX XXXX. Who is the Executive Resolution Specialist This was previously sent to the Federal Reserve Consumer Help. The reference # is XXXX. I am writing because my sister is deceased and and it is impossible for me to get this resolved. In that I am not on the loan, but I have sent the information that my sister quit claim deeded it to me along with her death certificate. I am paying the loan through my bank 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 2015-04-09
Company: Ditech Financial LLC
State: MS
Product: Mortgage
Sub-product: Other mortgage
Issue: Credit decision / Underwriting

Complaint:
Greentree mortgage keeps calling me on my cell phone and leaving messages on my voice mail for a XXXX. I have called them several times and told them they have the wrong number. I also emailed them today, but still got another call. The last caller could n't even give me my phone number. She asked me is this you number XXXX times and neither was my number. The voice mails ask XXXX to call XXXX. Today the call returns have showed XXXX and XXXX. I do n't think they believe me. They have previously called me a wk to a month ago and I called them back and told them my number was not XXXX 's. Also, when I call their numbers back the automated system always wants to know my last XXXX of my ssn. I will not give that. The XXXX said I should file a complaint with you.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-04-03
Company: Experian Information Solutions Inc.
State: OH
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 have been a victim of identity theft and sent letters along with my police report of the incident.

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 2021-01-05
Company: Experian Information Solutions Inc.
State: OK
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:
XX/XX/XXXXXXXX Potentially Negative Status Account charged off. {$12000.00} written off. {$13000.00} past due as of XX/XX/XXXX. 
Account Type Auto Loan Balance {$13000.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor DEPT OF VETERANS AFFAIRS XXXX Potentially Negative Status Paid, Closed. 
Account Type Government Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute XXXX XXXX XXXX XXXX Potentially Negative Status Collection account. {$790.00} past due as of XX/XX/XXXX. 
Account Type Collection Balance {$790.00} Date Opened XX/XX/XXXX Recent Payment - Original Creditor XX/XX/XXXX XXXX XX/XX/XXXX Dispute XX/XX/XXXX XXXX Potentially Negative Status Paid, Closed. 
Account Type Auto Loan Balance - Date Opened XX/XX/XXXX Recent Payment - Original Creditor - Dispute < -- - ALL ACCOUNTS LISTED ABOVE ARE NOT MINE. 
-- -- -- -- -- -- -- -- -- -- XXXX XX/XX/XXXXXXXX XX/XX/XXXX XX/XX/XXXX XXXX XXXX -- - ALL OF THESE COMPANIES LISTED, I DO NOT WORK THERE. 

-- -- -- -- -- -- -- -- -- -- - XXXX XXXX XXXX XXXX XXXX, TX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXXXXXX, XXXX XXXX < -- - ALL OF THESE ADDRESSES DO NOT BELONG TO ME. 

-- -- -- -- -- -- -- -- -- -- - ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX < -- - ALL OF THESE PHONE NUMBERS ARE NOT MINE. 


-- -- -- -- -- -- XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX -- - ALL OF THESE NAMES ARE INCORRECT.

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 2015-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Other fee

Complaint:
Capital One ( Quick Silver ) credit card continues to charge me an interest charge on cash advances. In the last several years they have charged me between $ XXXX {$700.00} in interest for these bogus cash advances charges. The company is not helpful in resolving these matters. When I talk directly to them, I am sent to a number where the person on the other end can not speak fluent english which creates a communication barrier. They seemed to use stall tactics, putting me on hold for up to XXXX minutes. There has been no resolution in years on this matter. The response is always the same, " you must have made a cash advance transaction. My last response from Capital One was not productive in getting them to stop these bogus cash advance charges. They seemed to acknowlege that the stores where I make purchases from are coding them in a certain way therefore creating these charges. When I have asked local merchants about this they have no idea what I 'm talking about. I believe this explanation is baseless and is an outright lie. For now the charges continue although they have now decreased in the amount from $ XXXX {$6.00} down to XXXX on these transactions. This is not ethical and I consider it to be theft on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MS
Product: Credit card
Issue: Other

Complaint:
This company is reporting inaccurate information on all XXXX bureaus report. I have sent them a letter disputing it. The letter was sent by certified mail. They signed for it and even after the 30 days allowed for them to mark as disputed they failed to do so. They never marked as disputed nor did they validate it. They have violated the Fair Debt Collection Practices Act. I am trying to prevent legal action against them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-24
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: PA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Over paid a closed account at Bank of America. Bank of America had been " processing '' the refund for almost two weeks. The first person said 3 to five days. Second said 7 to 10 days. Person this morning said review process not started. They either owe me {$76.00} or {$58.00}. Depends on who you talk to.

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 2022-10-01
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:
I ordered a copy of my report in XXXX XXXX and I found out that credit reporting agencies still indicate my dispute of accounts in my credit report. As of todays date, Equifax, XXXX and XXXX has not answered to my dispute. According to the Fair Credit Reporting Act, the Credit Bureaus must complete their investigation within 30 days. Please check payment history, date open, last activity and Status of the accounts listed below. I believe it was reporting in error. 
XXXX XXXX XXXX XXXX : {$28000.00} XXXX XXXX Balance : {$35000.00}

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I purchased auto insurance with a new insurance company prior to the next payment due, XX/XX/XXXX, on the last month of an existing auto insurance policy. I received a past due notice from XXXX and sent them documentation proving I was insured with another insurance company. 
Credit Collection Services was assigned my account XXXX, I contacted them and described that I had sent XXXX documentation proving I had other insurance. Credit Collection Services, CCS asked me to send them the same documentation, which I did. CCS sent a letter stating XXXX would not accept the documentation. 
I received a Status Update, dated XX/XX/XXXX, copy attached, and another letter last Friday, dated XX/XX/XXXX copy attached, offering a 50 % settlement opportunity. 
I am seeking your assistance in ceasing this collection attempt by CCS on a debt I do not owe. I have attached a copy verifying coverage prior to the last payment due.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
On XXXX XXXX I paid off my wife car over the telephone with Capital one auto finance and they ACH the payment from my bank account. 4 months later I was checking my credit history on my capital one phone app and it showed me owing a balance {$270.00} I immediately contacted capital one cutover service and after 3 hours of them hanging up the phone on me I finally was able to reach XXXX ID # XXXX and he was the only one who showed me respect and was sincere in trying to help me. He gave me his extension number of XXXX he also connected to the president hotline and I talked with XXXX ID # XXXX and she said they would look into it and contact me back before XXXX and she did. She told me that a supervisor listen to the recording of my payoff from XXXX and that I was XXXX correct and the issue would be handle ASAP and the negative remarks would be removed from my credit report and that I would not owe anymore money for my car since I paid it off in XXXX. I asked why was I never notified and it took me calling four months later and she could not answer that question. I also asked if I would receive my title she said yes. Today I received and letter from capital one auto finance that said notice of strict enforcement of contract rights defending {$270.00} from me or my car will be repossess. I think this serious abuse of Captial one trying to bully me and it 's not fair. Please look into this matter for me. 

Sincerely XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-25
Company: Southwest Credit Systems, L.P.
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
SOUTHWEST CREDIT SYSTEMS , L.P . 
ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX Phone : ( XXXX ) XXXX Fax : ( XXXX ) XXXX XXXX XXXX XXXX XXXX XXXX , XXXX , XXXX XXXX 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 notify SOUTHWEST CREDIT SYSTEMS, L.P. 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 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 : SOUTHWEST CREDIT SYSTEMS, L.P.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, XXXX XXXX, XXXX XXXX

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed
Consumer complaint received 2015-09-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Late fee

Complaint:
In XXXX of 2014, I stopped receiving statements/bills from Kohl 's Department store for my Kohl 's charge account and believed the balance ( less than {$300.00}? ) had been paid in full. There was, however, a small balance and Kohl 's continued to issue a {$35.00} late fee on this account each month for 24 months ; the late fees now total over {$840.00}. At no point in this cycle did I ever receive any notice from Kohl 's that there was an issue with this account despite the fact they had our current address on file. This issue came to my attention last month. I 've reached out to Kohl 's in three separate phone calls and have asked that the late fees be removed but have not received any response.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
I am attempting to close a refinancing on a property pursuant to a divorce buy-out. My ex-husband is still on title to the property, but will not be on the refinancing mortgage, this is not his primary dwelling ( not since 2005 ), and he will be removed from the deed when proceeds are received from the refinancing. 
Capital One is requiring closing disclosures to be sent to ex-husband under 12 CFR 1026.17 ( d ) on the belief that XXXX XXXX has a right to rescind under 12 CFR 1026.23. I feel this disclosure is my confidential information that should not be shared. 
Capital One is prepared to tell ex-husband that he has a right to rescind my refinancing solely on the basis that he is on title to the financed property, since he is not a party to the mortgage refinancing, and the security interest is not being taken in his principal residence/home. 
Does Capital One have a right to disclose the information? I do not believe so because no security interest is being taken in his principal dwelling when reading the definition of " consumer '' below, i.e., he has no right to rescind. The rules further state that a person can only have XXXX principal dwelling, and ex-husband 's is not the property to be financed. 

2 ( a ) ( 11 ) Consumer1. Scope. Guarantors, endorsers, and sureties are not generally consumers for purposes of the regulation, but they may be entitled to rescind under certain circumstances and they may have certain rights if they are obligated on credit card plans. 
2. Rescission rules. For purposes of rescission under 1026.15 and 1026.23, a consumer includes any natural person whose ownership interest in his or her principal dwelling is subject to the risk of loss. Thus, if a security interest is taken in A 's ownership interest in a house and that house is A 's principal dwelling, A is a consumer for purposes of rescission, even if A is not liable, either primarily or secondarily, on the underlying consumer credit transaction. An ownership interest does not include, for example, leaseholds or inchoate rights, such as dower. 
I look forward to a resolution with Capital One to proceed. 
Thank you, XXXX XXXX

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

Complaint:
Account number : XXXX I was shocked when I reviewed my credit report and found late payment on the dates below : 30 days past due XX/XX/XXXX, XX/XX/XXXX I am not sure how this happened, I believe that I had made my payments to you when I received my statements. My only thought is that my monthly statement did not get to me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-07
Company: LEXISNEXIS
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
My application with XXXX is denied because credit issueI called XXXX customer service- sales to order XXXX lines and after getting information from me the rep asked me to speak to XXXX finance department and transferred me there while the other rep was on the line too. The XXXX finance rep asked me some questions on my finance and identity ( like my addresses n all ). I replied to all correctly, In addition they asked me my relatives personnel information including their birth date and age and so on. 
finally rep denied me approve service and told me that you no longer allow to apply next 60 days.I was advised to contact credit agency. 
Now I got letter from XXXX and not giving me specific reason for denial my application but ask me to call at Lexis Nexis company, at XXXX. 
I dont know what is this company? Is this a fraud comapny? 
I tried to call customer service three day 's in a raw, all is recording play and no human answer to my call. 
I 'm strongly disputing this decision and would like to know why any company asked me third party personnel information to verify my identity? Why privacy law does not apply to these companies?

Company response to consumer: Closed with explanation