BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
PLEASE NOTE, THIS IS NOT A REPEAT-ITS A NEW COMPLAINT ON CAPITAL ONE Capital One, falsely claims that I never made payments for the months of XXXX, XXXX, and XXXX 2016. This claim is totally outrageous as the bank received, and cashed all those checks. 

I am requesting that Capital One adhere to they following : As a consumer, I have the right to ask that Capital One send me a print out of all payments received from me FROM XXXX 2016, and, detailing how/where payment was applied. Therefore, I want this sent to me. 

In addition, they should explain the meaningless charges on my account, like " what does 'other ' charge mean, and, what does this other charge called " other '' mean ( XXXX separate charges called " other ''? ) Remove all late fees charged to my account deliberately by them, as my payments were made and on time for XXXX, XXXX, and XXXX 2016 Start sending me monthly billing statement to ensure accuracy Credit my account appropriately for XXXX, XXXX, and XXXX 2016, and send prove of credit applied to the account. 

Please Note : That Capital One is quick to sight bankruptcy as an excuse for not complying and sending what is required of them. Therefore, let clear that now, I AM NOT IN ACTIVE BANKRUPTCY AND CAPITAL IS VERY MUCH AWARE OF THAT. 

SIGHTING THAT I AM IN BANKRUPTCY TO GET OUT OF COMPLYING IS OUTRIGHT SHAMEFUL THAT A BANK WOULD BE ALLOWED TO CONTINUE TO OPERATE IN SUCH A MANNER.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-27
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
CCS sent me a debt collection notice for a debt I do not recognize. In addition, CCS never sent me a debt validation notice as is required by the Fair Debt Collections Practices Act. Furthermore, CCS has not nor has agreed to provide all relevant contracts and information as to the alleged debt. I do not owe any debt to CCS nor have I ever. In addition, the alleged debt is past the statute of limitations. CCS is flagrantly violating the Fair Debt Collections Practices Act with their illegal debt collection tactics. Furthermore, they use the website XXXX to imply that it 's some sort of legal action that is taking place. This is deceitful debt collections and is in flagrant violation of the Fair Debt Collection Practices Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: Experian Information Solutions Inc.
State: GA
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:
Upon reviewing my credit file, incorrect information were found in my reports. The XXXX and Experian Credit Bureaus has not complied with the Fair Credit Reporting Act, 15 USC Sections 1681i, and continued reporting as unverified information without any proof provided, within the time allowed by law, is not authorized. Below are the items that are reporting on my Credit Reports : Experian : XXXX. XXXX XXXX XXXX Balance : {$79.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$850.00} XXXX. XXXX XXXX XXXX XXXX Balance : {$780.00} XXXX. XXXX XXXX XXXX : {$3000.00} XXXX. XXXX XXXX  XXXX Balance : {$3200.00} XXXX. XXXX XXXX XXXX XXXX XXXX Balance : {$2100.00} XXXX XXXX. XXXX XXXX XXXX Balance : {$0.00}

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 2022-09-07
Company: AMERICAN EXPRESS COMPANY
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 upgraded my AMEX XXXX  XXXX XXXX card to XXXX  XXXX  XXXX card in XX/XX/2022, with a promotion 'spend {$1000.00} in 3 month and get {$150.00} credit '. I met the spending requirement early in XX/XX/2022, and the credit is still not posted now ( XX/XX/XXXX ). 

I chatted with the customer service multiple times since XXXX. Each time they could confirm that I have met the requirement and they can see I have earned the bonus. At first they said the credit will be posted in XXXX, then told me to wait 8~12 weeks. Now is way more than 12 weeks. Later in XXXX they claimed that I didn't met the spending, even though they confirmed that I have met the requirement several times. And I can confirm that I met the spending requirement. I attached my transections since XXXX 2022, and you can clearly calculate that my spending minus returns and other credits is {$1000.00}. Note that the credit on XX/XX/XXXX is balance transferred from my other amex account. It is not a return or other credits.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Charges after XXXX are false charges. Closed account in XXXX as a charge off. Reopened by unkonown and charges made in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: LEXISNEXIS
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: Personal information incorrect

Complaint:
I NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX  XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: EQUIFAX, INC.
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
This site takes all personal information and fails to provide a free credit report. 
Data Collection of Personal information including phone # s and not credit report ....

Their only contact information is what is listed below. A po box ....

Big Problem XXXX XXXX XXXX If you have questions or comments about our online privacy policy and fair information practices, please write to : XXXX XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: KY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
On XXXX XXXX, 2016, I called Capital One 360, regarding a fraudulent transaction on my checking account. Someone hacked into my online bank account and sent a cashier 's check to a person I do n't know, XXXX XXXX, in the amount of {$2000.00} on XXXX XXXX. In addition, I was charged a {$20.00} service charge for this fraudulent transaction. I told Capital One 360 that the amount of {$2000.00} had been deducted from my account because of the fraudulent cashier 's check from someone hacking into my online bank account. Capital One 360 told me they would contact me within 48 hours to setup a new bank account, and my money would be redeposited into my new bank account because it was removed fraudulently from my old bank account which was closed by Capital One 360 on XXXX XXXX when I reported the fraudulent transaction. 

As of today, XXXX XXXX, I have not heard back from Capital One 360 regarding my money, I am out {$2000.00} and no one from Capital One 360 has contacted me as to where the {$2000.00} is or how to setup a new bank account and deposit that amount into my new account. I called Capital One 360, fraud department on XXXX XXXX, and they asked me to send a screenshot of my iphone to check for malware, which I sent to Capital One 360 on XXXX XXXX via email. I also called Capital One 360, on XXXX XXXX because I had n't heard back from Capital One 360 regarding the {$2000.00} that was fraudulent taken from my bank account. Capital One 360 told me to resend the screenshot of the malware check that I did on my iphone which I resent on XXXX XXXX. 

As of today XXXX XXXX, I have n't heard back from Capital One 360, regarding my missing money {$2000.00}, which I am expecting to be reimbursed into a bank account in my name.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have been with capitalone for about XXXX or XXXX months and they have closed my account with out my knowledge, and i have been paying good on time, and XXXX because my check didnt go through XXXX in the XXXX months that i have been with them, i called them to get this resolved, i even paid with a different card, and they ignored me, I guess they in bussiness not to satisfy the customers, because I am very dissatifyed with them.very very disappointed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: ID Analytics, Inc.
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Other personal consumer report
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Sent a letter out on XXXX asking for a security freeze to be placed on my consumer Disclosure report and didnt receive any correspondence. I also sent a second letter out on XXXX asking again to place a security freeze on my report again and still no correspondence..

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-20
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
This is the letter I sent to Syncrony bankXXXX My name is ... .... and I need to bring up to your attention a consumer issue that I struggle with. 
In XX/XX/XXXX my ex-husband ... ... ... ... ... bought a XXXX XXXX XXXX  and I ( ... ... ... ... ... ) had to co-sign the contract ; he used to pay the monthly bills in time ; I never took care of it, never used the credit card ; Last year on XX/XX/XXXX we got divorced and the Final Judgement of Divorce stipulates that he is responsible for monthly payments on XXXX XXXX/Syncrony bank credit till is paid off. With that occasion my last name has been changed to ... ; He continued to pay it monthly, until on XX/XX/XXXX when he passed away ; On XX/XX/XXXX the attorney of estate contacted XXXX  XXXX/Syncron bank to notify them about .... ; later on, the attorney of estate informed me that I have to contact XXXX XXXX/Syncrony bank ; On XX/XX/XXXX, I called XXXX XXXXSyncrony bank and explained my situation the divorce agreement, the fact that I live in a different place, I cant afford to pay anything ( I barely pay my rent ), the bed remained in the house where he lived, I dont use it etc ; they said that Im responsible for the balance of the contract On XX/XX/XXXX, I called again Syncrony bank and I was informed that my name has been removed from the contract and should I not be worry about it ; all conversations are recorded so, it must have been a prove of what the representative told me ; After a while, couple weeks, I started to receive alerts thru Credit wise, saying that Im in default with XXXX  XXXX/Syncrony bank payments ; at the end, my credit score dropped off from XXXX to XXXX ; Thats being said I ask for your help - Im not able to pay any money towards the bed, my monthly income is {$2300.00}, I will have hard time to rebuild my credit, because of this huge burden. Also, I have to help my daughter who is in college in ... ... and to cover our monthly expenses. 
I enclose a copy of Final Judgement of divorce and a copy of the invoice that I received by mail on XX/XX/XXXX. 
Thank you so much for your consideration, Best regards, ... ... 

The amount credited in XXXX, XXXX by Syncrony bank was {$8000.00}. On XX/XX/XXXX the amount due was {$2200.00} ; now the amount is {$2300.00} including late fees and interest. 
Thank you for your consideration! 

Sincerely,

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 2016-08-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
Capitol One put a 30 day mark on my credit in XXXX 2016 but my bank Capitol One rejected my deposit and I was given different reasons as to why they did that. I need all of the credit marks removed, I have asked Capitol One bank to send a letter detailing this information but they claim they ca n't send a letter just the terms and conditions. I need a letter that states they received the amount of {$340.00} but they sent it back, a supervisor advised me that they ca n't do that. It is not my fault that Capitol One Bank rejected my deposit because it was money orders, but their website does not say they do not accept money orders. I do not think I should be punished for what Capitol One bank did to my deposit.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-23
Company: Seterus, Inc.
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Seterus is refusing to send a payoff for my mortgage. I was discharged from chapter XXXX bankruptcy 7 months ago. I am now trying to refinance with another company and have put in 3 requests for payoff online through my portal. When the payoff never came I called and was told that they never received a request and that they would get it to me within 15 days. I have heard that before from then and never received the payoff. Also, per the RESPA rules they have to have it to me within 7 days. On top of that, they are telling me that my loan is in a 120 day review now that I have been discharged from the bankruptcy for 7 months. I am not sure why they are doing this but all the laws relating to RESPA that I can find point to pretty much everything they are doing being illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-13
Company: CCS Financial Services, Inc.
State: CO
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This company knows this account was open due to identity theft. They called several times saying I owed this money to XXXX. I explained to them I never had XXXX in my name because my husband works for them so we get free cable. Every time I asked to verify the social security number they had they never did. Every time I asked them to send the information by mail. They brought up an address in Alabama and I live in Colorado. I also let them know my identity had been stolen as well. I will also like to add I did have a fraud alert on my credit but I finally lifted it last Friday now they put this on my credit on yesterday XX/XX/22.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
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:
Hi I am submitting this XXXX XXXX this isn't any influence and this is not a third party. TransUnion has low and unfair credit number for me in their report. I have complained. The problem has not been resolved. my fico has me at a credit score over 719transunion has me at a score around 590. That is a huge difference. transunion paints me as a XXXX. my fico say I have good credit. What the heck is going on here. i have almost no debt and my identity was stolen causing my score to drop n i made this clear for 60 days straight with transunion i spoke to a representative agent name XXXX and XXXX and XXXX from the fraud department I prefer to speak to a us rept but they refused they had me on mute for 4 hours which was hurtful I have a perfect repayment record. I have very low credit utilization. I have three negative credit items outstanding debt now. I have modest but ok income. Social Security. Something is wrong with Transunion. I do not understand why they are abusing consumers .This was a fist step towards attempting resolution. They kept lying telling me they disputed n its not reporting but it keep reporting this inaccurate information without my authorization. They refused or were unable to verify n remove the inquiries and its been 60days n they record the calls n admitted they had my police report n ftc and affidavit That was after attempting to contact Transunion more than 21 times. transunion is an abusive company. They are supposed to be protecting consumers. They need to be reigned in. they are causing me severe XXXX and stopping me from getting this job offer n now im XXXX n cant provide to my XXXX XXXX XXXX daughter PLEASE HELP ME PLEASE im XXXX  now.with no help.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-03-30
Company: EQUIFAX, 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 NEED A INVESTIGATION ASAP! I have all kinds of bad information and fraudulent addresses on my credit report. I am in the process of XXXX XXXX XXXX XXXX  and I found all types of inaccurate information on my file. my current and only address is XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX this can be verified through USPS address update. My name is XXXX XXXX XXXX please delete and all varitions of my name the are not accurate.Someone has been using my name for business and lines of credit without my permission. My proper DOB is XXXX my SS is XXXX please delete SS XXXX and SS XXXX they are not mine. The following addresses are not correct please delete : XXXX XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, XXXX, OH XXXX XX/XX/XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, NJ XXXX XXXX XXXX XXXX XXXX  XXXX XXXX, XXXX, OH XXXX XXXX XXXX XXXX SQ XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX  XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, MI XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX, OH XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NJ XXXX The following numbers are not mine : ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX ( XXXX ) XXXX my current and only employer is XXXX XXXX. please delete the following employers I am not affiliated with any of them : XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
After several years of contracting state liability insurance from an independant agent for XXXX XXXX insurance I decided to change companies as the new one gave me a better rate. I notified the Agent `s office and told them I was cancelling and going with another company thus my prepaid amount they had just deducted from my bank account via debit card should be refunded. Once before I`d done this but saw they started taking money from my account without my authorization. When I tried contacting the agent his phone was unanswered. I contacted the XXXX number for XXXX XXXX to inquire as to how this could be happening. XXXX XXXX said they had no such agent listed .... so I changed my debit card again and wanted to know the name of my new agent. I was told they couldn`t tell me his name ... Why I ask ... well we don`t know who will be assigned yet ... If I have any claims I can call the XXXX number ... ok ... never heard of an Insurance company not knowing who the alternate agent would be before? XX/XX/2015 this started all over again ... I contacted my banks credit card division and explained this once again, credit was issued on trial basis to lend time to check it out. I recieved two subsequent letters. the first acknowledging my case and later a remittance only giving partial credit for some of the monies deducted? when I called again I was again recorded and gave a similar deposition but I wanted an explanation as to why only the " last 60 days of their fraud was being acknowledged? Once I used these terms .... fraud I immediately " threatened with - if I continue with this terminology the`ll turn this over to their legal dept! ... XXXX ... I THOUGHT THAT`S WHO I WAS TALKING TO! Next I was 20 questioned as to my past " Moral Turpitude " Where had I lived out of all these addresses for 30 years ... was I the same person as having this account ... so on and so forth .... Answering all their questions was demoralizing to say the least as now I was felling like I`d been the one getting something that did not belong to me. XXXX ... Is it just me or did i get scammed again including by the bank .... I think absolutely so.

Company response to consumer: Closed with explanation