BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-06-02
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I received an offer for a Jet Blue credit card. I called to discuss the offer because they gave me something different then i accepted. During the conversation I said I did not want to do business with the credit card company because I felt it was under false terms. I told them close the account, i did not want a card or any business with them. After the conversation i thought i was all set. I never received a card or any corespondence from Jet Blue. 

About 2 months later i received a email from a credit reporting agency stating i was delingient 2 months with Barclay credit card. I did research and found out it was jet blue. I called asked to have the previous call reviewed and asked to speak to a manager and that was declined. I stated i never received a card, bill, never activated or used the card and didnt understand how the card was used which caused me a bill. I was transferred around and then finally told i would get a call back. I got a call back from the fraud unit who was very rude and dismissing and said it was not fraud and they again would not allow me to speak to a manager or have the call reviewed where i said i never wanted the card because i felt JET BLUE LIED about the offer. 

I have worked very hard to build my credt and this caused my credit to drop over 100 points! PLEASE HELP resolve this issue

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 2016-03-16
Company: CARRINGTON MORTGAGE SERVICES, LLC
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
By failing to adhere to both California law and the rules under CFPB, The party ( ies ) complained of in my initial complaint are not compliant with rules regarding dual tracking. The Parties are " covered '' under both California Homeowner 's Bill of Rights and the CFPB 's strict guidelines. 

I have a valid and complete loan modification package on XXXX XXXX, 2016 that has been acknowledged as received and no notice of deficiency of documentation has been received by me. I just received another Notice of Trustee during the pendency of my application. 

The Parties have also failed to respond to the initial complaint with competent and reliable evidence that supports all facts contained within all recorded title documents that were used against my contract rights. Specifically, the assignment ( s ) of deed of trust to an un-verified entity, Notice of Default, Notice of Trustee Sale. No authenticated evidence has been offered by the offending Parties by any person with personal, first-hand knowledge of those facts. I am not in default to an unknown, un-authenticated party that is currently in my chain of title without competent evidence to support the beneficial interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: CCS Financial Services, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On XXXX XXXX. 2015 a representative from CCS called me and just started talking and asking for information without identifying herself. She started asking for my address, phone number and other personal information. I only found out who she was by hanging up and calling the XXXX. I have no written agreements with this company, they are not licensed to do business in the State of Texas I could be giving my information to anyone. A notice came by mail for {$29.00} for ATT but I do not owe XXXX anything, and if I did, XXXX should have contacted me before they sent anything to collections. I am not going to give someone I do n't know my information, checking account or anything else. They need to stop calling me and there should be nothing placed on my credit from this odd company. When I went online to try to contact them, their weird system had no way to send an email. Just too many people coming up with collection companies buying debt. 

Now they have called XXXX times and when I pick up, they say nothing. Ridiculous.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I deposited a check made payable jointly to me and my wife into a joint checking account with my endorsement. I have done this before at my bank 's branch without any problems. Most recently I deposited this check without any problem. The teller accepted the check for deposit. 

Days later the funds were removed from our account. Our balance overdrew, and we were told my wife must endorse the check. Supposedly the check ( which has already been endorsed by one of us ) is in the mail back to us. It has been a week, but we do not have it. We were told, at first, there was a XXXX tracking number ; now there is no tracking number after all. 

Had the bank refused the check without endorsement from both parties, it would have been endorse by my wife in twenty minutes. Instead the bank took the check, then took the funds, and it has not given either the check or the funds back.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: EdFinancial Services
State: WA
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
The principle on the student loan is never reduced even though I make a larger than scheduled payment amount. I have called and asked, they said that this was just deferring my current statement due date. What I want is to pay my loan principle. This should be illegal, as they are charging me interest on the full loan amount, and not the decreasing balance which should be reflected in my additional payments. As of my last statement it says that the current statement due date is XX/XX/2017.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Credit card
Issue: Payoff process

Complaint:
Hi, I made a payment to my credit card in the amount of {$3700.00} and an other of {$100.00} ( the full statement balance ). These payments were made on Friday XXXX XXXX 2016. My husband two hours later made a payment of {$240.00} to his credit card ( the full statement balance ). All payments were paid by my external XXXX XXXX ; XXXX XXXX XXXX XXXX on Monday XXXX XXXX 2016. My husbands credit card was paid and the balance currently is showing {$0.00} and a full credit line. However, my credit card is reflecting {$67.00} available credit, this even after being charged {$51.00} in interest. 

Today I had my husband call Capital One to find out why his Capital One account would have money applied accurately and timely and mine was not. He spoke with a " Supervisor XXXX '' who 's Agent ID was identified as XXXX. She indicated that she did not know why, but that Capital One 's policy is that they can hold money for four ( 4 ) days. XXXX could not identify what indicators would trigger this business practice. XXXX also indicated that Capital One has reported to the Credit Bureaus that my current balance is {$180.00}. My husband voiced his concerns that this policy is an unfair and deceptive business practice when applied arbitrarily without rhythm or reason nor justification. My account has never been paid late, considered a slow pay account or otherwise given any trigger that I am not an honest, credit worthy, credit responsible customer. XXXX 's response was she was following Capital One policy ; or politely saying she did n't care nor does Capital One! 

My concerns are, Capital One holding funds, then charging interest though the statement balance was paid in full, is not only unfair but deceptive. Capital One reporting to the credit bureaus that payments were made in the amount of {$3800.00} but an available credit of {$51.00} could impact my debt to income ratio and lead to potential lenders in their underwriting processing questioning my credit worthiness. This is not only deceptive but unfair. Is this because I am female and do not make the income of my spouse or my male counterparts at Capital One? Do they enforce these same practices with their own employees or executives? They did not with my husband! Last, when asked to speak to XXXX 's supervisor or to someone on Capital One 's Corporate Escalation Team, she refused. XXXX 's actions demonstrated that she did not care about my issues or in resolving my concerns. I 'm very disappointed with Capital One and their poor customer service. 

HC

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I received a letter from a debt collector claiming to be collecting the debt on a credit card that they suppose I have, however I do not have said credit card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Credit card
Issue: Billing disputes

Complaint:
I have attempted twice to dispute a reoccurring charge with Capital One.. on both occasions I filled out all of the required paperwork, faxed it in within a few days and each time I call to follow-up I am told my information was not received. I have proof that the fax went through. This is a classic case of the credit card company not wanting to investigate the case and just dismiss the consumer. Terrible customer service! I have been trying to dispute this charge with Capital One since XX/XX/2016.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-13
Company: Jim Bottin Enterprises, Inc
State: NY
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:
XXXX XXXX claiming I owe a past due amount from 2010 for a XXXX XXXX sports club I never enrolled or attended. XXXX XXXX is now owned by XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
XXXX XXXX XXXX, stated if I pay them in full XXXX XXXX. 2016, they would remove this information off my credit. I paid in full they have not removed the information off my credit to this day, after many attempts. XXXX is collecting for capital one bank Reference # XXXX ph # XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Delinquent account

Complaint:
after have capital one credit became a hassle charge a late fee before i got my first bill charged me extra to pay over the phone and they would not set up a atutomatic payment once a month and up my rate XXXX percent so in frustration i stopped pay know they are trying to sue me

Company response to consumer: Closed with explanation
Consumer complaint received 2017-06-15
Company: HUNTINGTON NATIONAL BANK, THE
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Bounced checks or returned payments

Complaint:
I have been charged overdraft fees and checks have been returned on my account causing more fees fro m other companies too also charge me fees for reprocessing the checks that have been returned. Huntington Bank states that they give you 24 hours grace but they do n't. In fact one day they gave me no notice at all : returned a payment to my credit card company and charged me a fee & this was all on a Sunday ( not  even during banking hours. Also- I am signed up for text alerts, email alerts, daily balance alerts, etc. I was not notified of anything in advance. Only after the fact. I was charged  XXXX   XXXX ,  XXXX ,  XXXX   XXXX  by Huntington Bank and then  XXXX  dollars by  XXXX  for redeposit of checks tha t Huntington had sent back without notice and without 24 hour g race. I had tried to buy something with my debit card & I had been approved to go into the negative on my debit card was declined - the branch manager returned  XXXX  overdraft fee  one tim e because he said that was wrong- but I still had to pay the  XXXX  dollar fee to  XXXX   XXXX .  Huntington  refused to heed my complaint so I thought maybe you could help. Is n't this false advertising?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-06-15
Company: EQUIFAX, 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:
XXXX   XXXX   XXXX   XXXX   XXXX   XXXX   XXXX , NY  XXXX  (  XXXX  )  XXXX   XXXX  XXXX  XXXX  SS #  XXXX   XXXX  :  XXXX  account  XXXX  Equifax To Whom It May Concern : I dispute the validity of  XXXX  account  XXXX . I request a investigation be opened for this account.   I continue to dispute the validity of this account I request that the account be deleted from my credit report. I also request a description of the procedure used to determine the accuracy and completeness of the information being reported. Can you notify me of the outcome of this correspondence?   Thank you Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Received bad information about your loan

Complaint:
On XX/XX/2022 I submitted a my annual employer certification form for Public Service Loan Forgiveness form FedLoan Servicing to update the counts towards loan forgiveness on my student loan account. Having not received any feedback or status update on the submitted employer certification form, I called FedLoan Servicing in XX/XX/2022 to determine what is the status of my employer certification and updated counts. I was told by a customer representative that they are unable to provide me any feedback on where in the certification process is my employer certification form because they have a backlog and it may take " several months '' to get to my application. I was advised to follow-up " in a few weeks. '' I followed-up with FedLoan in XX/XX/2022 and on XX/XX/2022. On both occasions I was told that FedLoan has a large backlog of applications they are working through and as such it may take several months to process my application. On both occasions I asked where in the certification process is my application and the customer service representatives noted that they can not provide me with that information. 

On XX/XX/2022, the customer service representative I spoke with ( name : XXXX XXXX asked whether I would like to be transferred to the PSLF department at which point I answered " Yes. '' I also asked XXXX for the direct number to the PSLF department and was told there is no direct number and I need to call the main FedLoan number and ask to be transferred to the PSLF department, if needed. After being transferred to the PSLF department I received a voicemail message noting that they are busy and I would need to wait 20mins for my call to be received. I opted for a call back. It has been more than an hour and I have not received a call back from the PSLF department. 

I am submitting this complaint because at this point it is egregious to have 20 loan payments not accurately reflected in my count towards loan forgiveness and consequently time being added to how long I can wait to apply for forgiveness, although I am employed by an eligible employer ( not-for-profit organization ). Each year I have submitted my employer certification and verified my income to be able to receive accurate counts towards forgiveness yet FedLoan is essentially forcing individuals extend the life of their loans by not updating borrowers ' payment counts.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-03-23
Company: Experian Information Solutions Inc.
State: AZ
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:
In XX/XX/XXXX a creditor submitted a delinquent account to my credit account. My attorney disputed the account with the company and I did as well. I also disputed the account all 3 credit agencies. The account was removed. It suddenly appeared again last month. I contacted the creditor directly. Per XXXX 'we closed the account in XX/XX/XXXX and have not reported to the bureau since ''. I relayed the information to Experian to have the account removed permanently. After spending 4 hours over 2 days speaking with 8 representatives 2 of which purposedly disconnected me I still got not results. They are listing an account on my credit report that has nothing to do with XXXX Bankruptcy. The account happened 4 years later and was resolved in XX/XX/XXXX per the creditor. Their negligence is preventing me from leasing an apartment. I want this resolved. Can you assist me please?

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 2016-12-19
Company: Asset Management Outsourcing, Inc.
State: SC
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have s ent Nationwide Recovery Services l etters requesting validation in regards to a debt that is currently reporting on my credit report for {$490.00}. I have NEVER received anything from this company stating what these charges are for. This is a false debt that I want removed from my credit report before I obtain a lawyer and pursue legal routes. This is not fair! I ask that this company remove this erroneous mark from my credit reports immediately!!!

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: EQUIFAX, INC.
State: VA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX. XXXX XXXX. XXXXXXXX XXXX XXXXXX/XX/XXXX HARD INQUIRIES THAT I DID NOT AUTHORIZE

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: RS Clark and Associates, Inc.
State: AZ
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:
This debt has shown up on my credit report ( see attached communications ) It is not my debt and Ihave followed all the proper steps under the Fair Debt Collection Practices Act, 15 USC 169g Sec 809 ( b ). The collection agency has failed to respond and the debts still appear on all three credit bureaus as a collections debt. We were recently denied a mortgage loan due to these being erroneously placed on my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: AMERICAN EXPRESS COMPANY
State: CA
Product: Prepaid card
Sub-product: General purpose card
Issue: Unauthorized transactions/trans. issues

Complaint:
Without any explanation other than saying " fraud '', my American Express Serve prepaid card account was closed. I had a positive balance of over {$1000.00} dollars which they have taken away from me. They will no longer discuss my account with me, allow me login access, nor provide any statements. They have provided no evidence of fraud nor a legitimate reason for closing the account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-04
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
after reporting my identity theft, to the police department, and summiting a report to the various credit consumer agencies, I settle various claims with couple of Banks, an Investigation by XXXX and XXXX was concluded and bad records Deleted. 
EXPERIAN, I needed to hire an attorney, ( XXXX ) to get Experian to delete my record, only to have then put back, XXXX, acct # XXXX, as acct was settled for XXXX should be XXXX XXXX XXXX acct # XXXX, settled for XXXX, both accts are more then ( 7 ) years. 
EXPERIAN IS A NASTY, MONEY HUNGRE, HUMAN DESTROYERS COMPANY.

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 2022-06-02
Company: Experian Information Solutions Inc.
State: FL
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 XXXXXXXX XXXX XXXX Account # XXXX, has violated my rights. 

In accordance with the Fair Credit Reporting act 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 a account without my written instructions

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 2022-06-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
ACCOUNT NUMBER : XX/XX/XXXXACCOUNT NAME : XXXX ACCOUNT NUMBER : XX/XX/XXXX XXXX ACCOUNT NAME : XXXX ACCOUNT NUMBER : XXXX ACCOUNT XXXX : XXXX ACCOUNT NUMBER : XXXX ACCOUNT NAME : XXXX

Company response to consumer: Closed with explanation