BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
I contacted Capitol One so that i could do a balance transfer for {$6000.00} from another card. I had a credit limit of {$4000.00} and was calling to ask for a {$2000.00} credit limit increase. I was told by the representative that i needed to complete a request online. I completed the online request and a few days later received a denial notice stating that there was no recent payment history ( account is 14 years old ). I called Capitol One to speak to a representative about the denial since I have the account for XXXX years and my credit score is XXXX and my income is {$100000.00} annually. The representative told me i could try again, so i asked for a Supervisor whom also told me to try again. I advised the supervisor that my other credit card accounts have much less time and i have much higher limits, so if its not a credit nor salary problem then why could n't Capitol One accommodate my request since i have XXXX years history? The supervisor told me to try again and left no explanation. I advised the Supervisor i wanted to cancel my card if Capitol one could n't accommodate my request without a decent explanation. The supervisor in a condescending matter advised me as if it were a threat that the account would be reported reflect closed by consumer. At which point i ended the phone call. This is the worst customer service i have ever seen by a credit card company. Its quite clear Capitol One prefers online customer service transaction verses speaking with a live representative. Its also clear that good credit, income and 14 year history mean nothing to Capitol One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is a complaint in reference to a credit card account ending in # XXXX that was sold from Capital One to XXXX. XXXX removed the credit card account ending in # XXXX from all XXXX credit reporting bureaus after I filed CFPB complaint because of fraudulent add on charges. This complaint does not include XXXX as they fully address the situation and I thank them for that, reference the original CFPB complaint # XXXX. On XXXX/XXXX/XXXX I disputed Capital One with the XXXX CRA 's, Capital One continued to make updates to this account as if they still own it. They made an additional update on my credit report even after I disputed showing it was 30 days delinquent in XXXX XXXX. Yet they sold the account to XXXX prior to XXXX XXXX, I do not know the exact date Capital One sold it to XXXX but XXXX sold the account to XXXX in XXXX of XXXX. I have attached a letter from XXXX showing the transfer to XXXX. I have also attached a prior statement showing Capital One account number matches the account number listed on the other documents, XXXX shows the original creditor as XXXX. Yet Capital One continues to report on my credit report updating with current activity that happen after the date of there sale to Capital One. Again XXXX has removed this account from all XXXX credit reporting agencies and I have enclosed the letter from XXXX dated XXXX XXXX stating this. 
Yet Capital One continues to add current updates to this account as if they still own it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: HW Holding, Inc
State: WA
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:
Collection agency harassing me and filing fraudulent information to credit bureau for monies owed to an apartment complex I never lived at. 

I have provided them with proof of my correct residency during the time in question as well as the XXXX XXXX XXXX police report number where I filed a complaint for identity theft. 

They have not contacted me since I supplied the police report number but continue to post negative filings with credit bureau.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-01
Company: JPMORGAN CHASE & CO.
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
On XXXX XXXX/XXXX/2015 a duplicate charge was posted to my account by vendor XXXX. My complaint is against Chase Bank debit card services. They were notified the day of the disputed charge by monitored phone call and in writing. The vendor XXXX had issued a credit on Monday XXXX XXXX, 2015. Chase was with holding our funds. Chase stated on Tuesday XXXX there was no credit coming into the account and the vendor did not send a credit to our account when XXXX had already contacted Chase Bank and notified that there had been an issued credit on Monday. I spoke with XXXX corporate department. The duplicate charge was for {$220.00}. Chase refused to put a stop payment on the duplicate charge even though it was a pending charge and I was willing to pay for a stop payment to release some of our partial funds. Even if our credit to our account is resolved at some point I would like an inquiry into Chase business practices with emphasis on ATM/Debit transactions. Our account number is XXXX under the name XXXX and XXXX XXXX. 
XXXX XXXX Phone : XXXX at XXXX XXXX XXXX XXXX # XXXX XXXX, WA XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Delinquent account

Complaint:
My identity has been compromised XXXX times this year, leaving my in a state of panic and causing me a tremendous amount of stress. I have XXXX credit card that were ran up and payments that were applied causing overdraft in my checking account because the money was n't in their. I am trying to resolve this issue with credit card companies. Company XXXX Capital One, phone number XXXX XXXX XXXX. This has also caused my credit rating to deplete more than XXXX points. I would like new accounts/credit cards and my credit back in good standings.

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

Complaint:
Dear CFPB, On XXXX XXXX, 2016, I went to the Comerica Branch in XXXX XXXX, XXXX XXXX to close my individual account. A couple of months later I noticed funds had been withdrawn from a different joint account on which I am a signer. It turns out the Comerica Branch in XXXX XXXX did not properly close my account on XXXX XXXX, and as a result, I was incorrectly charged inactivity fees, which then turned into overdraft fees as the account dropped below {$0.00}. This negative balance was then automatically pulled from the joint account. 

I went to the XXXX XXXX Branch where I closed my account in an attempt to resolve the issue. The manager there told me to contact the branch in Texas where I had originally opened my account. I have been sent back and forth with no resolution. Comerica owes me {$50.00} as a result of being charged inactivity and overdraft fees due to their error. I have patiently worked with them to no avail and request the assistance of the CFPB in finally resolving this simple matter. 

Regards, XXXX XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts appeared on my Equifax credit report. FTC ID Theft Report # XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-07
Company: ATG Credit, LLC
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Debt was paid today and within XXXX minutes creditor negatively reported it to the credit bureaus. When I called back to ask for an explanation, she continued to be aggressive and act as she either did it on purpose or was covering for her colleague.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: ALLY FINANCIAL INC.
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I changed bank facilities in XX/XX/2016. I paid my truck payment on XX/XX/2016, XXXX and XXXX. I made a mistake when I did my automatic payment out of my account because it as XXXX weekend and I did not think my bank took out the first payment. On XX/XX/XXXX I went to my bank and was advised to call XXXX to see if one of the payments in XX/XX/XXXX could be stopped. Instead of stopping my payment in XX/XX/XXXX they refunded my XX/XX/XXXX payment which I never asked for. Now according to Ally their records are stating I was over 30 days late, which I am providing you with my statements that show I have never been late on my payments. My husband and I have spent multiple hours on the phone with Ally and XXXX along with myself have done 3 way calling with Ally trying to get this resolved. We are currently trying to get a real estate loan and Ally is showing a 30 day late payment with my truck and a dispute on my credit report. I just faxed Ally a copy of my bank statements and a letter and they will not return my calls and I can not get to a supervisor to resolve this issue. I believe this was a data entry error on Allys part and I need this fixed as soon as possible because it is affecting our credit.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
Experian has been illegally re-aging both of my student loans. My student loan accounts with XXXX should have been deleted in XX/XX/XXXX. Experian told us that is the date both accounts would be deleted after investigating in XX/XX/XXXX on the deletion date.

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 2018-05-28
Company: Experian Information Solutions Inc.
State: TX
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
CRA violation no knowledge of the fraudulent accounts on my Experian Credit report. FTC ID theft report # 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 explanation
Consumer complaint received 2022-10-01
Company: SELECT PORTFOLIO SERVICING, INC.
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I have a loan modification that is serviced by Select Portfolio Servicing Inc.. 
My corrected email is XXXX I tried to update my profile but had trouble opdating it. 
I am supposed to have differed amount waived after XXXX consecutive payments, I have asked for several months including my attorney asked to be corrected over a year ago. 

They continue to refuse to correct and are using a delay tactic when I call them they tell me that I am incorrect about the deferred amount, I have submitted the loan modification documents several times and they continue to delay the process. 

They also failed to explain why there is a {$260.00} monthly fee under other charges and fees. 
" We are submitting your request to the appropriate department '' is their response. 

I have talked to other people who are having the same issues with servicing companies.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Check Security Associates, LLC
State: CA
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Called outside of 8am-9pm

Complaint:
XXXX XXXX continues to call when asked to cease all collection attempts to my work number and he has crossed the line, threatening legal action, imprisonment, wage garnishment, asset collection, and credit reporting against me. He has also after speaking with me today, at my work as I told him I could not talk he called back I had my boss in the office and it is an unidentified number I assumed for work, when I answered he began the threats above and when I asked the amount he could n't give me a set amount I told him I contacted the owner of debt who said they do not have further information regarding the debt and will not provide it any further. He again called again, then when I again asked him for the XXXX time not to call my office or work, he called today, then when I told him I would rather it go to collections where I can deal with a claim in writing instead of giving them my money over the phone, he said so you are refusing to cooperate I said yes, he said we will contact our lawyers and it will cost you more, then he proceeded shortly after this to contact my mother at her place of employment, my father and my sister all ina matter of 1 hour with him stating he is a location service attempting to find me and collect a debt from me or they could settle it for me. this is crazy ... illegal and wrong to even continue this I can lose my job and how can he say I owe and contact family members who were never on my loan and give them false information that he is a location service? his contact number is XXXX x XXXX and it states they are an assets management service.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was informed by a service I subscribe to, that that Receivable Performance reported a collection account on XXXX, XXXX, and XXXX, that is not mine. I was receiving these strange phone calls from a service which makes you wait for a long period of time before they clarify their business. then they transfer you to Receivable Performance ... then Receivable performance responds as if you called them. Unreal!!

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-15
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CT
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan modification,collection,foreclosure

Complaint:
We purchased our home with cash in XX/XX/2012. After moving in, we discovered that the plumbing in XXXX of the bathrooms required immediate repairs. As we had used all of our savings to buy the property, we needed to get a home equity loan to make the repairs. We did not have any credit so we were forced to get a loan from a private lender at exorbitant interest rates. As first time buyers, we were not aware of the fact that we needed representation at the signing, nor were we made aware of the transferring of the loan to another company before we signed. We have tried to get the interest rate lowered to no avail, so at this point we are trying to find some solution for this anchor around our necks.

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 2022-04-20
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
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 recently got a copy of my credit report and noticed inaccurate and fraudulent accounts being furnished on my report. I am aware of the FCRA and understand that I have the right to dispute these accounts. 

My previous complaints were not sending so I had to resubmit this.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-10-02
Company: EQUIFAX, INC.
State: PA
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 ordered a credit report in my birth name using my middle initial as I have been using this name all my life. My report came to my address without my identifying middle initial. My son has the same name but with a different identifying middle initial. So when my report came we did not know who the report was for because they decided to omit the middle initial. If I order a credit report and on the report it has my middle initial then the name for who is to receive this report should have that identifying middle initial. This mailing did not have the middle initial. This however has caused me problems not only on previous reports after my sons information was on my report but also other problems when anyone decides to omit this initial. I had to send in to the credit report companies all of my identifying information last year because of this problem. The report itself is correct but when they mail it they ( whoever ) decides to mail it without this initial. That initial is the same as someone who has a suffix like junior or senior.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-03
Company: LEXISNEXIS
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
When I shopped for auto insurance recently, an insurance company told me that there is an at-fault accident in my XXXX report, and because of that they wanted to charge me a higher policy rate. This is the highlighted # 1 item from XX/XX/2016 on the attached page. 
I was not at-fault in that accident. Please promptly correct the report

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-06
Company: Continental Finance Company, LLC
State: FL
Product: Credit card
Issue: Other

Complaint:
This company verve card has been charging me for a credit card account that I had closed a long time ago for fraud and the high interest rate they were charging me. they are reporting a negative in my credit profile and i am a XXXX veteran that doesnt play with my credit rating. I had some hardtimes and at present, I am trying to get back on my feet and this company is taking advantage of me. This company is a fraud and they charged me {$100.00} before I had the card ad they said that they would of reimbursed it to me and they never did. So you see they are horrible and taking advantages of people.

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 2015-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Re : Request for Investigation/ Debt Validation Request Capital One Bank USA- Account # XXXX Sold to XXXX XXXX XXXX No Address on FileATTN : XXXX XXXX XXXX / Federal Trade Commission / Capital One Bank USAThis is to inform you that I 've recently received my credit report and noticed that there 's a collection listing from XXXX XXXX debt collection agency on my credit file. Experian Report Number : XXXX Dated : XXXX XXXX XXXX. First and far most, I must advise you that, this same account was disputed numerous times for inaccurate billing errors/ and unauthorized merchant charges and never validated by the original creditor. ( Capital One Bank USA ) for Disputed Billing Charges and Billing Errors in XX/XX/XXXX. Therefore this account was closed. However ; for example, according to this report the most recent balance was {$0.00} as of XXXX XXXX. But closed with a Balance {$1300.00} ( See report ) this is definitely an inaccurate billing dispute, that must be deleted immediately, for this Re-Aged account. How could a possibly closed account with a balance of {$00.00} acquire charges? Next, since there is no address on file for XXXX XXXX XXXX, where were your documents submitted? To whom were your documents submitted. Therefore, I request the FTC investigate this issue. This could possibly be a fake company. 

This is a written request for validation of the debt referred to in this credit report. The Federal Trade Commission, in 15 U.SC. 1692g, requires that debt collectors cease collection of a debt until verification of that debt is mailed to consumers. Please provide this information in writing via U.S. mail at the address listed above. 
Since XXXX XXXX have now acquired this inaccurate disputed account. I am advising you that, XXXX XXXX XXXX, was never notified by XXXX XXXX XXXX, of this collection action or that she owed an assume deleted disputed debt. This letter is to inform you that I would like a verification of the debt and your ability to collect this money from me. Under the FDCPA, debt collectors ( collection agencies or CAs ) are required to send you a debt validation notice within 5 days of contacting you to collect a debt. The notice informs you that you have the right to validate/dispute the debt within 30 days of receiving the letter. If you do n't dispute the debt ( or request validation of the debt ) within the 30-day period, the collector has the legal right to assume that you agree the debt is valid. 

Under the FDCPA, I have the right to request a validation of this debt. I request that you prove that I am indeed the party who is contractually obligated to pay off this debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Transaction issue

Complaint:
I used Capital One to prepay for a rental car with XXXX XXXX XXXX XXXX. Included in the price I prepaid to Capital One for the rental car was a " drop charge '' of {$210.00} for returning the rental car in a different location. XXXX then charged my Capital One card for the same {$210.00} " drop charge '' ( {$270.00} with tax ) that I had already paid to Capital One. I contacted Capital One to inform them the transaction from XXXX was a double charge and Capital One did not issue a credit [ Case Number XXXX ]. I then sent an email to the Capital One Travel Consumer Relations Department on XXXX XXXX, 2015 [ XXXXXXXXXXXX - Incident XXXX ] and received no response

Company response to consumer: Closed with non-monetary relief