BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: Billing statement

Complaint:
I made XXXX payments online the same month. XXXX/XXXX/15 ( {$200.00} XXXX and XXXX/XXXX/15 ( {$500.00} XXXX. I called Capital One on XXXX/XXXX/15 before I made the payment online and asked if I make the payment today on XXXX/XXXX/15 will that take care of my XXXX payment, I was told yes. I received a bill for the XXXX payment along with a late fee XXXX {$160.00} XXXX. I called Capital One and spoke to XXXX he could not help so I asked for a Supervisor XXXX XXXX XXXX. I explained about the payments and that I spoke to someone at Capital One. XXXX offered to reverse the late fee but I would still have to pay the {$160.00} payment. I asked him to escalate me to his Supervisor and was sent to XXXX who told me that I would have to pay the {$160.00} and they WOULD not change the current payment. I asked her to escalate me to her Supervisor and she told me that I COULD NOT go any further than her. If she is the last person that handles situations, Capital One will not be in my wallet and I will spread the word on how the handle their customers thru Social Media. If the XXXX/XXXX/15 ( {$500.00} XXXX payment was not going to be the payment for XXXX then why would the rep tell me it would.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-12-05
Company: Mercedes Benz Financial Services
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
This kind of account is placed as a charged off account, be sure to inform me precisely why there's a balance indicating on the document whetherit 's a charge off? The balance is in fact wrong, please make sure to reverseit to XXXX or remove the item fully. Please also producedocumentation toverify all the charges and credits in this supposed account that caused to theextremely high credit figure you might have displayed on my account. My demand to present these records is a standard information demand in accordance with myrights honored within the fair credit billing act. If you fail to give these detailsper my civil rights petition, please make sure you quickly remove this specificwrong posting.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: DISCOVER BANK
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I paid off my entire balance with Discover card, then I accepted a 0.0 % balance transfer for 1 year. Since that time period they have continued to charge me XXXX cents a month as a minimum interest charge rate. They keep saying that I haven't paid off the prior interest charges and the minimum balance goes towards paying off interest charges first. I HAVE NO INTEREST CHARGES and the balance is not paying off anything. This is deceptive trade practices saying XXXX wont be charged any interest charges when in fact I am.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: Experian Information Solutions Inc.
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
They are falsely reporting negative credit information to the XXXX credit bureau ; I have done no business with this company, yet they continue using my social security for negative reporting. The debt is not mine, I never incurred this debt. I called the company listed as the debt collector, they immediately discounted what I stated and hung up the phone. I called back, the representative failed to listen to what I tried to explain about the debt not belonging to me. They asked me if I knew a certain individual name XXXX XXXX, I explain to them I did n't know who that person was. Representatives XXXX XXXX, and XXXX XXXX both accused me of being the person with the debt when in fact they could match my social security numbers with what they have on file and they will discover they have the wrong person. I also ask them to provide me with a document with my signature, however they refused. The company name is XXXX XXXX , XXXX located at XXXX XXXX XXXX XXXX, XXXX , Florida . 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 2022-10-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with fraud alerts or security freezes

Complaint:
I've been having a problem with Transunion and their website for the past 8 months. First I could put a freeze on but couldn't take it off through the website. Then I thought the problem was fixed when I called in and spoke with someone who blamed it on website technical difficulties but told me to just call in whenever it happens and they would remove on put on a freeze. This time when it didn't work they would not remove the freeze and and wanted me to mail different information to them to remove freeze. This is totally unfair and unacceptable and I want vthe freeze removed and told them I wouldn't be mailing them anything. Please help now I can't apply for anything because of their system being messed up.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-23
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Fraud or scam

Complaint:
I sell chicken coop and 12 hens on XXXX {$400.00}. The buyer sent me a cashier check via XXXX, {$1900.00}. I asked her why sent me so much, she said this money was included the movers. She push me to cash the check and text her back to let her know, On XX/XX/XXXX, I brought the cashier check {$1900.00} to BOA in corona to cash it, the banker did not verify the check was good or not, the banker did not verify the check was authentic or not, the banker did not ask me any simple questions regarding the check, he gave me {$1900.00} cash. Then I texted the buyer said I just cash the check, the buyer want me XXXX {$1500.00} to her and take screen shot send to her. I did. Her name was XXXX XXXX. Then after I finished XXXX the money I went home, I talk with my friend, she want me call XXXX XXXX back, but her phone was disconnected. In that moment I realized I was scammed. On XX/XX/XXXX, the bank took out {$1900.00} from my checking account. On XX/XX/XXXX, I called law enforcement police department in XXXX XXXX. I spoke with officer ( cousins ) he said the bank failed to verify the check is authentic or not, the bank failed to verify the check good or not, the bank failed to ask me any simple questions about the check, this is internal issues of bank system, on XX/XX/XXXX, i came back to the BOA in corona with my friend. The manager spoke with us. She admitted that her employee was new and not knowledgeable to verify the check. I am boa member for 20 yrs, and I also a victim in this scammed. I thought I have FDIC of boa protect me, I would like the boa and FDIC credit all the money back to my account. I was stressed and depressed, I felt XXXX, I dont have enough money to pay mortgage, I am hardly survive, I also emailed the FDIC about this issue, I would like the Bank of America and FDIC credit back money to me. If not I will take legal action. Please respond ASAP thanks

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 2017-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
The credit reporting bureaus are reporting my credit card accounts as fraud which is not the case. Therefore, my credit accounts are being closed in error. Also, I received a letter dated XX/XX/2017 from Capital One stating that they received a fraud notification and that they know they often send them in error so no action will be taken. Unfortunately, they decided to close the account without any further contact. These accounts are valid and I 've made payments on it as agreed over a period of time. I opened the accounts to establish and maintain a good credit history. Now, that information is not reflected on my credit reports because it was deleted. I did not file a fraud complaint with any of my credit cards or the bureaus. However, I do have a fraud alert which requests to call my number to verify my identity before opening an account under my name. This was done initially when the accounts were opened and confirmed which is why the accounts were opened in the first place. I believe what may have prompted this was a change of address as I recently moved. At the moment, valid and accurate information is not being reported under the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IN
Product: Credit card
Issue: Other

Complaint:
Hi I have credit card with Capital One. It was opened in XX/XX/XXXX at XXXX time they were reporting to my credit bureaus. Now they are not. Need them to report my payment history to all XXXX bureaus if possible. Thanks

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Other

Complaint:
I made a purchase on my Kohl 's store credit card. Did not receive any bills, and did not think about the purchases I did make, until I received a XXXX late notice. I called Kohl 's, told them I had not received any bills, but paid the amount of purchases, plus late fees. Kohl 's did not attempt to call me, even though they had my home, my cell, and my business phone numbers. When I applied for a business loan - my bank said I had a negative credit report from Kohl 's. That is how I found out Kohl 's reported my missed payments, although no one said anything to me when I called and paid the late bill. Kohl 's did not send me a letter saying they would be reporting me, although I believe they are required to notify me they will report negative information. Kohl 's made no attempt to send me copies of the bills that they supposedly sent me for two months prior to the final notice. I did ask Kohl 's to retract the negative information, but they refuse. Please see my original correspondence, their reply, plus my rebuttal. Since I do not expect a reply to the last letter, I am submitting my complaint as promised. I believe they have a responsibility to truly attempt to contact their customers - including by phone.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-05
Company: LEXISNEXIS
State: AZ
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:
I HAVE REQUESTED A COPY OF CONSUMER REPORT AND HAVE YET TO RECEIVE A COPY.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-04-29
Company: Navient Solutions, LLC.
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Trouble with how payments are being handled

Complaint:
In  XXXX    XXXX   my daughter,  XXXX   XXXX  applied for and received from Navient Income-Driven Repayment Plan. She was instructed to pay {$200.00}, up from the {$110.00} that she had been paying. She made the {$200.00} payments in  XXXX  and  XXXX , confirmed by Navient via email. NOW, my daughter is receiving  " Past Due '' statements!! This is HORRIBLE!    Back in early  XXXX  I was told by Navient customer service that she could get a 60 day courtesy hold on her account, only to find out when she called to get the hold placed, she could n't!!   I want to see  Navient stay with the the monthly payment amount that they set when the application for repayment was processed and stop this constant setting of past due on the account. Navient  has all the contact information to communicate any changes and yet they choose not to use them until after the fact. There should n't BE any changes, it 's ridiculous!   My daughter is making good on her part to get payments made to keep her account in good standing and it 's lik e Navient is doing all they can to sabotage her.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-02
Company: ORG GC GP Buyer, LLC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had closed my account with my phone carrier " XXXX '' because i was leaving out of the country. I called to cancel the account on XXXX 2014, they wanted to charge me for XXXX 2014 which i was not going to use.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: ORG GC GP Buyer, LLC
State: DC
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
Left a voicemail for me to return their call and reference a case number in regards to my sister. Upon researching the number discovered its a debt collection agency, which they did not disclose in the voicemail. Says it is GC Services.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-21
Company: BB&T CORPORATION
State: SC
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I am writing to complain about a recent expierence with my bank Branch Banking and Trust Company. I have had an account with them since XX/XX/XXXX. On Tuesday XX/XX/XXXX I went to my local branch at XXXX, SC, XXXX phone XXXX. I talked to a Branch Team Member XXXX. I requested that my current checking account be closed and I opened a new one. I gave her a list of items I wanted paid and left just enough money in the account so those Items would clear. Also a month earlier I opted out of over draft and ach/ech protection and instructed her not to pay any other items presented, pretty clear cut instructions and she said she under stood. I also deposited {$20.00} in my new account the next day my wife came in to put her name on the account and deposit {$300.00} she was told an item that was not on the list was paid and that she owed {$10.00} more dollars.I contacted XXXX and she politely told me that they could not close my account until all the Items cleared. I asked if I could talk to her supervisor she gave me a phone # where I was told to leave a message no one ever called back. On the morning of the XX/XX/XXXX I went online and found I was charged overdraft fees of {$36.00}, {$36.00}, and {$72.00} to cover other Items I did not authorize. I contacted XXXX on the phone and asked her how much I needed to deposit to close my account for good so no more transactions would be processed she said {$620.00} I deposited over {$800.00} and thought the matter had been taken care of for good. Today I went online and found they processed another item out of my old account and charged me a {$72.00} overdraft fee. I called to talk to XXXX and she would not take my call i explained my story to a teller she told me my account would be closed tonight and I would have a positive balance of about {$60.00} on Wensday XX/XX/XXXX.At the least this is the worst example of customer service I have ever seen. However I think they may even be in violation of some consumer protection laws for one I was opted out of over draf protect but still charged over {$300.00} in over drat fees to cover items that did not even amount to that much. When I politely asked for a refund I was refused, Your assistance in this matter would be greatly appreciated my contact info is XXXX XXXX SC XXXX. Phone XXXX XXXX XXXX, and E- Mail XXXX Regards 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 2016-01-30
Company: SYNCHRONY FINANCIAL
State: WI
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I opened an account with Synchrony Bank for an XXXX XXXX XXXX in XXXX of 2015. I made my first purchase on XXXX XXXX, 2015, with my first scheduled payment due XXXX XXXX, 2015 for {$25.00}. On XXXX XXXX, 2015 I made my first payment of {$30.00} to Synchrony. I have paid every month this way on the XXXX of each month with the payment being due each XXXX. Instead of being given credit for early payments, the bank considers me 'late ' each month and assesses me a late fee of {$35.00}. I called about it and was told that my XXXX payment does not count, but instead would be applied as a double payment for XXXX 2015. I am considered late although I paid on time, even early. Synchrony refuses to budge.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
In accordance with the fair credit reporting act XXXX XXXX XXXX XXXX XXXX  and XXXX XXXX XXXX XXXX XXXX XXXX and XXXX XXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX. have/ 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 Also states a consumer reporting agency can not furnish my 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 2022-04-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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:
Our XXXX XXXX XXXX changed banks. There have been two issues of someone trying to steal our identity during the changeover. The new bank, XXXX XXXX, is of no help. They can not seem to do anything right. I closed down the account immediately and the fraudulent charges were stopped in time. However, I discovered through my XXXX XXXX  that XXXX XXXX reported to the credit bureaus that my address had changed. I spoke with XXXX ( where the change alerted XXXX XXXX XXXX and got my credit account and information frozen. However, this fraudulent address is now showing on my credit report. It is not my address. I have not moved. This person apparently tried to have my address changed. XXXX XXXX will not help me fix this. I want this fraudulent address erased from my credit report. How do I do 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 2022-10-17
Company: Experian Information Solutions 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:
I checked my credit report and found out these accounts does not belong to me and I didn't authorizethese to my account until I called one of the credit agent and they refer me to this website FTC to fi XXXX mycomplain. Name : XXXX Date ; XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX  Date : XX/XX/XXXX Name : XXXX XXXX Date:XXXX Name : XXXX XXXX XXXX XXXX Date : XX/XX/XXXX Name : XXXX XXXX XXXXXXXX : XX/XX/XXXX Name : XXXX XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXXXXXX XXXX  XX/XX/XXXX XXXX : XXXX XXXX XXXX XXXX XXXX XX/XX/XXXX Name : XXXX XXXX XXXX Date : XX/XX/XXXX. These are theincorrect information I found on my credit report from XXXX  and I want them to be investigated and Deleted from my credit report.

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 2022-06-03
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:
In accordance with the fair credit reporting act 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. have/ 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 Also states a consumer reporting agency can not furnish my account without my written instructions

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-06
Company: DISCOVER BANK
State: IL
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
Yesterday XXXX/XXXX/XX/XX/2015 I applied for a Credit Card via an offer from Discover Card through Credit Karma. When I submitted my information I was then told I do not qualify for the Discover Card I applied for and a XXXX card offer was made. This XXXX offer of lower interest ( BASED ON MY CREDIT SCORE ) was used a BAIT to get me to fill out the paperwork. Once I completed the paperwork another page popped up asking me to send copies of personal data such as SSN and or Current bills. I was not comfortable providing this information largely since the app did not work and all other credit cards I have can provide approval in XXXX seconds based on information contained in my XXXX XXXX. I called Discover Card and asked them if they were the actual Credit Card or was this scam, the whole thing was a bit fishy. I learned the Discover Card had no idea that they are soliciting new customers using bait and switch tactics on Credit Karma " indicating they do not communicate internally ''. I demanded that this process be cancelled and my credit hit be removed to protect my score. Today I get an email indicating the account was still being processed against my will. I called and spoke to XXXX Senior Agent in Delaware at phone number XXXX regarding application XXXX. I also demanded that she terminate the application and remove the credit hit sine this whole process was unfair and dirty BAIT AND SWITCH tactics. I told her I do not need the card with HIGHER INTEREST and I will not tolerate this treatment.

Company response to consumer: Closed with explanation