BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2021-08-04
Company: CAPITAL ONE FINANCIAL CORPORATION
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:
All of the following accounts are fraud. I did not open these accounts nor authorize anyone to open these accounts in my name. I have a suspicion that my ex-husband and his acquaintances are the ones who fraudulently opened these accounts : - XXXX XXXX  - XXXX XXXX - XXXX XXXX - XXXX XXXX XXXX  - XXXX - Capital One I have attached an ID Theft affidavit packet and police report.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-23
Company: Account Control Technology, Inc.
State: FL
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
Didnt receive any validation that to XXXX debt is mine

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 2015-08-05
Company: LD Holdings Group, LLC
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
I received a letter from Loan Depot offering a mortgage refinance. I called the company and spoke with XXXX XXXX who took my information and ran a credit report. He told me that I qualified for the mortgage and sent an email with rate and payment details. 

When I asked for a copy of the Good Faith Estimate and other Truth in Lending documents, XXXX XXXX said that Load Depot did not provide them unless I agreed to lock the rate, which would involve paying for an appraisal ( {$390.00} ). As I understand the law, the lender is required to provide TILA documents within three days of the application. I made the application to Loan Depot on XXXX XXXX. 

I subsequently made a second request for the disclosures and never received a reply. 

Contact information for the company is Load Depot, XXXX XXXX XXXX XXXX, XXXX XXXX, CA XXXX, XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
After gaining access to my Capital One account that had been withheld from me I had found it to be run up and unpaid. To my knowledge it had been paid off. After contacting Capital I learned that there was an additional account opened without my knowledge. Capital has insisted on me paying throughout the entire process, even though what I would be paying I never charged and was all fraud. I informed them I would pay what was not fraud claims and asked for my statements of the account that I knew about. Roughly a month later I 'm still waiting for them and they are still calling for payments.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
In XXXX 2015, during a business trip, my Capital One CC was comprised. Almost 1k in transactions appeared on my account. Until recently, I was satisfied with Capital One 's resolution. Apparently, during the fraud investigation, my account was inadvertently credited twice for the fraudulent charges. At that moment, I nor, Capital One caught the error. Capital One caught the error and sought to resolve which is their right. However, its been 5 months since the original occurrence and I thought it a closed matter. How Capital One handled the error, is the reason this form is being filed. On XXXX XXXX - the purchase adjustments were made to my account. At first glance, when I reviewed my account, I thought the card had been comprised yet again! It was only after speaking with the customer service representative that the issue ( as described above ) was revealed. He advised a letter was sent to me on XXXX XXXX, 2015 advising of the adjustment! My ire stems from the fact, they should have notified me BEFORE any adjustments. Its been 5 months and to just randomly charge someone without knowledge is more than a little inappropriate. Never mind, there was XXXX transaction that was later determined to be legitimate. It was adjusted on my account on XXXX XXXX, 2015. I have now paid 2x for this service due to this error.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I purchased a truck and then returned it to the dealer. The dealer then paid off the loan with Capitol one and the check was deposited by Capitol on on XX/XX/2017. Capitol one is still showing an outstanding loan for us and indicating that we have a payment due XX/XX/2017. I have talked to XXXX different people at Capitol one and they do say they have received the check but it is in a different department and they do not know why it has not been sent to the loan department. I do not understand why it is taking so long for them to post this check to this account and show it closed. Our credit is now being put in jeopardy. Please Help.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-04
Company: Resurgent Capital Services L.P.
State: FL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
I recently obtained a copy of my credit report. LVNV Funding LLC continues to violate my rights as a consumer according to the Fair Debt Collection Practices Act. Also, this company is in violation according to 15 USC 1692.

15 USC 1692b ( 2 ) 15 USC 1692b ( 4 ) 15 USC 1692c ( A ) 15 USC 1692c ( 1 ) 15 USC 1692c ( 3 ) 15 USC 1692 ( c ) ( 1 ) ( 2 ) ( 3 ) 15 USC 1692 d I have attached my license.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Mages & Price LLC
State: IL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I was not advised this debt was in collections. No one called me and I did not receive anything in the mail. I do not feel I owe this to the provider.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Other

Complaint:
I was out of work for some time due to be ill and got behind on my bills. went went to XXXX relieve for help got debts reduced and paid off except Capital One They brought a Judgement against me. I went to court and they said I owed them XXXX dollars and I agreed with them. set up monthly payments payed all but XXXX dollars and was told bt capital one they were not pursuing this any more. so I asked does this judgement come of my credit they told me no because the judgement has to be satisfied first.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
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:
To This is a follow up to my original letter dated XX/XX/XXXX regarding an inaccuracy in your credit reporting. Specifically as it relates to unauthorized and fraudulent credit inquiries made by the following companies : Inquiries : 1. XXXX XXXX XX/XX/XXXX, XXXX., XXXX XXXX XXXX 
 3., XXXX XXXX XX/XX/XXXX I did not authorize anyone employed by these companies to make any inquiry and view my credit report. This is a violation of the Fair Credit Reporting Act Section 1681b ( c ). This is a serious breach of my privacy rights.

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 2022-03-23
Company: EQUIFAX, INC.
State: CA
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:
To Whom It May Concern : I recently received a copy of my ( XXXX, & XXXX ) credit report, and I noticed some late payments posted on my credit report : XXXX XXXX XXXX Account number XXXX - Date opened XX/XX/XXXX Late payments The dates associated with payments not made on time for the account XXXX XXXX XXXX XXXX Your company is in clear violation of the law. Under 15 USC 1681b - permissible purpose of consumer reports, THE LAW CLEARLY STATES : ( a ) IN GENERAL Subject to subsection ( c ) any consumer reporting agency may furnish a consumer report under the following circumstances and no other : ( 2 ) In accordance with the written instructions of the consumer to whom it relates.

Did I give you written instructions to furnish this on my credit report?

Furthermore, the FAIR CREDIT REPORTING ACT 15 USC 1681 ( 2 ) ( a ) ( i ) Exclusions from a consumer credit report clearly states : ( 2 ) EXCLUSIONS. Except as provided in paragraph ( 3 ), the term consumer report does not include ( A ) Subject to section 1681s-3 of this title, any ( i ) report containing information solely as to transactions or experiences between the consumer and the person making the report.

Delete the above late payments from my consumer report, this agency is in violation of 15 USC 1681.

Failure to respond satisfactorily with deletion of the above referenced account, and send out a free copy of my report after the changes have been made will result in legal actions being taken against your company, for which I will also be seeking {$1000.00} per violation for : 1. Defamation of Character ( per se ) 2. Negligent Enablement of Identity Fraud 3. Fair Debt Collections Practices Act 15 USC 1692g violations.

4. Fair Credit Reporting Act 15USC 1681 violations for willful noncompliance - 616. Civil liability for willful noncompliance [ 15 U.S.C. 1681n ]

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Advertising and marketing

Complaint:
I went to use one of my Capital one visa card and the transaction was denied. I had a second different branded capital one credit card. I then tried to use this card. It was also decline by Capital one. I then called capital one to see what the problem was and was told my credit card accounts were closed today. I asked them why and I got a vague answer and they said they could not give me any other information. I have always made my payments on time and there are no problems with my account. It appears that Capital one is Capital one offers a rewards program that is like a bait and close program. You get a high percentage for rewards but after a period of time if they see they will not make a profit on the account by looking at your buying patterns they close the account. Probably an illegal practice. The right federal agency has n't taken notice of this practice yet, but they should. What if some one was traveling thing their Capital one account was in good stand and Capital one closed the account as they did mine with no notice. They would be stranded. Consumers should all be treated equally fair. Capital one does not do this ands is running a scam on the consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-31
Company: CCS Financial Services, Inc.
State: NJ
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
An account was opened with progressive for auto insurance. The price was quoted and the policy was started. When the next payment was due the bill was for nearly double what it was supposed to have been due to some other information that was found on my driving record. No correspondence was made to let me know if this discrepancy and it was only after I received the bill that I found out and made the call to progressive myself to inquire. At which time I requested the policy to be stopped because of a misrepresentation of costs. Had they properly researched or communicated with me the discrepancy would have been caught early on before {$250.00} in unagreed upon charges were made.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
Experian 's policy states that " Late payments remain seven years from the original delinquency date. A single late payment is deleted at seven years. If there was a series of late payments ( not paid at 30 days, or 60 days, or 90 days ) and then brought current, the payments would be deleted seven years from the first XXXX missed in the series. If the account was never brought current and charged off and placed for collection, the entire account will be deleted based on the date the account became late. '' I had a student loan which became late XXXX XXXX, XXXX. It has since been charged off. Given experian 's policies this account should have been removed from my credit report in XXXX. However, Experian refuses as of this time, XXXX XXXX, to follow the law and its own policies and will not remove this 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 2022-03-23
Company: AES/PHEAA
State: PA
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:
I have contacted FedLoan servicing repeatedly regarding 19 payments that were made towards my Public Service Loan forgiveness count. These payments were made on time and during a income contingent payment plan prior to COVID and during a time period from XXXX. Somehow during the transfer of the loan to different servicer the payments that were made are now listed as being made during a forbearance or grace period and DO NOT COUNT. These 19 payments were not made during forbearance. Honestly if I was in a forbearance why would I be paying approximately {$600.00} a month towards the loans in question. I have requested the forbearance be removed. I have disputed the accuracy of the payment count. I receive random generic emails with form letters stating my request is denied. I can not reach a person by phone or online. Please provide assistance with this payment count and review of my student loans. I have included copies of the denials and today 's additional requests. While recognizing that everyone is understaffed and busy, there is not any ability to contact anyone to resolve this error, which is unacceptable.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I missed a XXXX XXXX flight due to late cruise ship arrival at XXXX On Saturday XXXX XXXX, 2016. I could not call and I did not expect a refund. That day I called to make a new reservation for the following day. I then called hotels and found they we all booked due to weather issues. I immediately called back Spirit to cancel the reservation and was told that I could not because it was less than seven days since I made the reservation. Well that was obvious. I argued to no avail. I later found out that I could cancel the reservation within seven days as per XXXX XXXX on-line cancellation policy, see attached document. I then called and spoke to a Capital One reservation agent and described my plight the agent, name XXXX, Operator Number XXXX she assured me I would not get charged. I was subsequently was charged and disputed the charge see attached document dated XXXX XXXX, 2016. The charge was subsequently reversed. I was notified there was additional information from XXXX XXXX by Capital One on XXXX XXXX, 2016, but I did not receive any additional information until XXXX XXXX, 2016. Capital One stated that they were recharging me the {$490.00}. The letter XXXX XXXX sent see attached is completely untrue and they failed to follow their own policy. I received a letter on XXXX XXXX, from Capital One that completely ignored the issues I outlined in XXXX XXXX XXXX 2016 letter to them and they closed the case. Capital One did not follow required guidelines in resolving my complaint. The issue was not resolved within 2 billing periods as required by law. I have never felt so aggrieved by XXXX companies as I do these XXXX. Please help me to remove the charge from my account. 
Sincerely, XXXX XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Since XXXX of 2014, I wanted to have my payments due on the XXXX or after my pay date. I have requested this several times and when Capital One transferred the loan to Capital One 360, it became even more difficult to change the date. Finally this month, since 2014, they made it possible to change the due date. I 'm not sure why it took so long for them to do an easy fix. I contacted them, the online service said it would be done, but then it reverted back to its usual due date and once again I 'd pay a late fee.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MD
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I was told by Trustee , XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX  as Trustee for the Certificate Holders of the XXXX, XXXX, Alternate Loan Trust XXXX, Mortgage Pass Through Certificates, Series XXXX, in response to CFPB Complaint ID XXXX, to forward this to Bank of America, NA ( the XXXX XXXX XXXX '' ) of my loan, See Exhibit # 3. 
I am awaiting a response regarding my mortgage interest payment reported to IRS for tax year XXXX and additional information regarding interest from XXXX XXXX  XXXX, A Division of XXXX, XXXX on behalf of note owner XXXX XXXX XXXX XXXX as of today, XX/XX/XXXX. I received two written letters dated XX/XX/XXXX, See Exhibit # 1 and XX/XX/XXXX, See Exhibit # 2, from XXXX XXXX  XXXX, A Division of XXXX, XXXX of XXXX, SC, on behalf of note owner XXXX XXXX XXXX XXXXThese two letters contradict a different set of two letters dated XX/XX/XXXX and XX/XX/XXXX from XXXX XXXX  XXXX, A Division of XXXX, XXXX of XXXX, MI on behalf of XXXX XXXX XXXX XXXX, the noteholder, with both letters stating, " We are working to gather the requested information and will forward it to you as soon as possible. '' Therefore, this is XXXX and I am demanding the answers to the following questions in regard to Loan # XXXX for property XXXX XXXX XXXX, XXXX, MD XXXX : 1. What date that XXXX XXXX  XXXX sent the original IRS Form 1098 for XXXX to IRS? 2. What date that XXXX XXXX  XXXX sent the corrected IRS Form 1098 for XXXX to IRS? 3. What date that XXXX XXXX XXXX sent the original IRS Form 1099-INT for XXXX to IRS? 4. Where is the Escrow Analysis for the period XX/XX/XXXX to XX/XX/XXXX with all consecutive months? 5. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX  XXXX has on record for me with XXXX, XXXX as the third-party requestor ; 6. Where are the copies of the IRS Form 4506, IRS Form 4506-T that XXXX XXXX  XXXX has on record for me with XXXX XXXX  XXXX as the third-party requestor? 7. What is the name of the contact person at XXXX XXXX  XXXX and XXXX, XXXX for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 8. What is the name of the contact person at XXXX XXXX XXXX XXXX the note owner of my mortgage loan for the IRS Form 2624-Consent for Third Party Contact that I am preparing to submit to the IRS? 9. Where are the copies of any documents with XXXX XXXX XXXX and XXXX XXXX that I signed giving them the authorization or written consent to release my NPI ( Non-Public Information ), as defined by XXXX, XXXX XXXX XXXX XXXX, to third parties?

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 2016-05-01
Company: SYNCHRONY FINANCIAL
State: MN
Product: Credit card
Issue: Credit determination

Complaint:
Sometime in the XXXX to XXXX week of XXXX, 2016, I applied for the Sam 's Club XXXX. On XXXX/XXXX/2016 I received a response from Synchrony Bank stating that they were denying my application due to the following reason : " BANKRUPTCY PROCEEDING, CREDIT COUNSELING OR CREDITOR SETTLEMENT ''. I have reviewed the latest copies of all three of my credit reports and none of them reflect any of the above whatsoever. I do not have any bankruptcies, nor have I had any credit counseling or creditor settlements. I monitor my credit reports monthly so if any such information was present I would know about it. I wrote Synchrony Bank a letter on XXXX/XXXX/2016 asking that to please either provide the " current '' credit report that shows this information or to please reconsider my application. I never got any response from Synchrony Bank. It seems very unfair to have a financial institution use inaccurate information against me in determining my financial creditworthiness. I even wonder if it is legal for them to state such reasons which are simply not accurate according to all XXXX of my credit reports.

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