BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Hello, I have a savings account with Capital One, I would constantly get promotions from them to open a new credit card or new checking account. 

Recently I logged in and saw an special offer to sign up for the Capital One Quick Silver Credit Card and spend {$500.00} within 3 months and earn a one time cash bonus of {$300.00}. I also received a email with this exact offer with my name and thanking me for my loyalty.

I applied for the Capital One Quick Silver Credit Card because of this offer as they kept advertising it to me. I used the link provided provided by the offer spend {$500.00} in the first 3 months earn a one time cash bonus of {$300.00}. 

After being approved for the card I received another email stating that I am not eligible for the offer. This feels like a bait and switch as I then looked online and found other people were getting the same offers and Capital One would not honor their promotions. This is the only bank or credit card that I ever had a issue with. 

I read into the terms for the offer and it says previous or existing account holders would not qualify. I have never had a capital one credit card before, Also this wording goes against their promotional offer. In the email which I have screenshots of, They thanked me for my loyalty and promoted a special offer, but that offer is only allowed for people that never had a account before?? How would someone have " loyalty '' with a company they never had a account with? 

Capital One is false advertising their offers and every time I call I am told there is nothing I can do expect write a letter. Any other card company and bank I call they help their customers on the phone. No where on the email or offer screen did it say I would have to write a letter and send it into their office for them to look into it. 

I got the card approval email XX/XX/. The {$500.00} spend to get {$300.00} back offer in the email says it expires XXXX XXXX XXXX I blocked out my name in the photos provided, but if a CFPB employee needs to see the pictures with my name not blocked I will provide them as I didn't want my name to published publicly. 

Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-18
Company: Finance Store Inc.
State: IL
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I XXXX XXXX applied for a loan on XX/XX/XXXX paying the processing fee of {$1500.00} to XXXX XXXX whom I was referred by XXXX XXXX. Then after that I didnt hear back from anyone regarding my application and I insisted to XXXX an answer for the application and he commented that the loan was being processed. He did n't give us a closing date he only said that we should wait for an answer regarding the loan. I trusted Ascension so I waited till XX/XX/XXXX when an XXXX XXXX contacted me and stated that XXXX was an irresponsible individual and said that he had several weeks trying to contact him and XXXX would n't respond to his calls.XXXX asked for personal information and a service fee of {$750.00}. in which the application for the loan was {$500.00} and to pull the credit was a {$250.00}. Reassuring me that he needed the money right away so he could finish processing the loan because it was approved and i was just waiting for a closing date. Weeks went by and we lost contact and I couldnt get a hold of him. I called and emailed him numerous times with out being succsefull. On XX/XX/XXXX I recieved a call at XX/XX/XXXX XXXX time and XXXX XXXX XXXX.Asking me for a letter notirized letter in which i was suppose to appoint a power of attorney to interpet me. Later XXXX called me and said he had emailed me a letter in my email and to have it signed and notarized and return it via email. After reviewing the letter and noticing that he was appointing himself as power of attorney so i ignored it. I then decided to appoint XXXX XXXX as my power of attorney and interpreter. The following day XXXX XXXX called me and told me that she needed my information I sent all the information she asked for via email. Weeks went by and no would answer my calls. I called numerous calls to XXXX, XXXX and XXXX. I was wondering the status of my loan so I called the bank myself. Then they stated that they could n't processed my load because the underwriter would n't work with people that do n't speak English. XXXX the representative said that they do n't charge for a fee and that they knew the individuals that had processed my loan and that the legal department was going to contacted me and I since then have n't heard anything from the legal department. I was told that XXXX and XXXX was a third party representative

Company response to consumer: Untimely response
Consumer complaint received 2017-02-02
Company: Southwest Credit Systems, L.P.
State: NC
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:
Company name is southwest credit, located in XXXX tx. 
They are calling me everyday.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-07
Company: EQUIFAX, INC.
State: DE
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:
The unverified items indicated below continue reporting on my credit report despite several written requests, in violation of federal law. I dated the previous letter sent to the 3 credit bureaus on XX/XX/XXXX, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be authenticated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 
THE XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX BANK XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXXXXXX Original Creditor 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 XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-30
Company: Community Loan Servicing, LLC (formerly known as Bayview Loan Servicing, LLC)
State: AZ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
We had a hardship situation between XX/XX/XXXX and XX/XX/XXXX that caused us to file bankruptcy and we could n't make our mortgage payments. I will attach a " Hardship Letter '', explaining details. We have been working with Bayview Loan Servicing to get our mortgage modified or restructured to include the payments we missed. We provided them with hundreds of pages of documents. They say they send them to their underwriting department and then we get a notice saying we did n't provide everything they needed and therefore they ca n't modify our loan. Then we contact them and say we did provide everything they needed and the whole process starts over again. This has been going on for over a year. Recently, they started foreclosure proceedings and we have a Trustee Sale Date of XX/XX/XXXX. Since then I have contacted everyone I possible could to save our home and get Bayview to follow through. I have sent information to the White House, both of my Congressmen, Senators and XXXX Ethics Department ( they are the original mortgage holder ). I have sent everything Bayview has asked for. The most recent communication from them indicates they will have a resolution by XX/XX/XXXX, but they have given us a date like this, over and over and nothing happens. I ca n't sit back an wait for them to take my home. I need help to get them to take action. If they will just include the payments we 've missed in our mortgage, we can make our payments and be fine.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-20
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CO
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Bank of America processed XXXX identical payments against my bank account which resulted in a negative balance on my Bank of America credit card. They have not returned the extra money they took.

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 2023-04-04
Company: Incomm Holdings Inc.
State: NJ
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
Every attempt to use any of my XXXX $ vanilla gift card visas is declined. 

Customer service agent says that every transaction requires manual authorization via a ~45 min phone call. 

I have made at least 10 attempts and none have processed, the customer help line offers different reasons and solutions but NONE has worked and I have never used the cards successfully.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-14
Company: Experian Information Solutions Inc.
State: IL
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. The List of accounts below has violated my federally protected consumer rights to privacy and confidentiality under 15 USC 1681.

The letters are stated with items and issues.

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 15 U.S.C 1681c. ( a ) ( 5 ) Section States : no consumer reporting agency may make any consumer report containing any of the following items of information Any other adverse item of information, other than records of convictions of crimes which antedates the report by more than seven years.

15 U.S.C. 1681s-2 ( A ) ( 1 ) A person shall not furnish any information relating to a consumer to any consumer reporting agency if the person knows or has reasonable cause to believe that the information is inaccurate.

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 2017-03-27
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a credit card with Chase. My account was closed without my consent in XX/XX/XXXX. 
My account was in good standing ( for 24 years ) and I had updated my personal data with them in XX/XX/XXXX. When I attempted to use the card on XX/XX/XXXX it was declined. I called Chase and they told me my account was closed due to lack of a form XXXX. They indicated that they had sent me a letter to this effect which I did not receive. I was also told that if I visited a Chase branch then I could submit the form there and the account would be re-opened. I drove to a Chase branch which was XXXX miles from my work and completed the form. I was told the process would take 1 business day. 
When I called back to Chase on XX/XX/XXXX when the card still failed to work, I was told by another representative that since the account was closed in XX/XX/XXXX that it could not be re-opened.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-23
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
If you feel there is a possibility these accounts belong to me I will require all documentation that bears my signature. If you do not provide any records & claim the item is verified please understand I will seek legal action. I do not take kindly to games nor does my attorney. SO please comply with the law so this matter can be handled swiftly XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX XXXX XXXX XXXX Not Reported XXXX XXXX XXXX XXXX Balance : {$3800.00} XXXX XXXXXXXX Balance : {$2600.00} XXXX XXXX XXXX XXXX Original Balance : {$2300.00} XXXX XXXX XXXX XXXX Original Balance : {$3000.00} XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/XXXX XXXX XXXX XXXX XX/XX/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 non-monetary relief
Consumer complaint received 2023-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
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: Credit inquiries on your report that you don't recognize

Complaint:
Capital One account open account settled and closed. Yet still wrongfully reporting amount due

Company response to consumer: Closed with explanation
Consumer complaint received 2021-05-20
Company: Collection Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Used obscene, profane, or other abusive language

Complaint:
Collection Receivable Inc keeps contacting me after i've sent them a cease and desist letter back in XX/XX/2020, and i've sent them a debt validation letter that they have yet to respond to. They are in violation of the FDCPA. Today i received a call from a lady from Collection Receivable Inc. She called me from XXXX. She was nasty to me and using profanity and making threats. Collection Receivable Inc is practicing unfair and unethical debt collection practices. They have ignored my cease and desist letter, and they have yet to validate the debt they claim i owe on account number # XXXX with a {$150.00} balance with a {$55.00} which makes it a total of {$210.00}. Below is the cease and desist letter i sent and the debt validation letter i sent. If Collection Receivable Inc does not stop calling me and remove the collection account from my credit report i will seek to file litigation against Collection Receivable Inc and seek monetary damages. see letters below XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Collection Receivables Inc, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 Re : Account # XXXX To Whom It May Concern, Pursuant to my rights under federal debt collection laws, I am requesting that you cease and desist communication with me, as well as my family, friends or my employer, in relation to this or any other alleged debts you claim I owe. 

You are hereby notified that if you do not comply with this request, I will immediately file a complaint with the Federal Trade Commission and the Attorney General of Georgia. Civil and criminal claims will also be pursued. 

Sincerely, XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Ga, XXXX Collection Receivables Inc, XXXX XXXX XXXX XXXX, GA, XXXX XXXX XX/XX/2020 To Whom It May Concern, I dispute your claim and I am requesting validation from you pursuant to the Fair Debt Collection Practices Act, 15 USC 1692g Sec. 809 ( 8 ) ( FDCPA ).

Provide breakdown of fees including how you calculated what you claim I owe. 
Provide a copy of my signature on a contract or document that holds me responsible for this alleged debt. 
Cease any credit bureau reporting until debt has been validated by me as required under the FCRA. 
Send me proof that you are licensed to collect debt in the my state. 
Send this information to my address listed above and accept this letter-sent as my formal debt validation request, which I am allowed under the FDCPA. 

I will await your reply with above requested proof. Upon receiving it, I will correspond back with you. 

Sincerely,

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-05
Company: Nelnet, Inc.
State: KY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account status incorrect

Complaint:
I have made several attempts to get the information corrected. I was on income driven repayment and forbearance with my loans but they are still reporting delinquent.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-24
Company: Westlake Services, LLC
State: VA
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Fraudulent loan

Complaint:
I have purchased a used vehicle from a car lot that I shortly ( the next day ) experience a dishonest practice that left us out of pocket for {$500.00} in a car repair shop, lie about the car ever been reported to be in an accident, and the list goes on from there. 

Never the less, my issue today stems from the bank ( XXXX XXXX ) the dealer used to approved me at a time when I had XXXX credit. 
While I welcome the bank approval to purchased my vehicle, XXXX years into making payments on time ( $ XXXX monthly, on a {$18000.00} loan ), the loan in my opinion, is moving at a XXXX XXXX XXXX, currently owning just over XXXX XXXXXXXX. 

While I get that since back when I apply for the loan, I had not credit and the interest on the loan was extremely high, I have call and ask multiple times to understand why in the last XXXX years, the monthly principal has not moved from XXXX XXXXXXXX. I have also call to ask for refinance now that my credit score shows a high increase, but no refinance is offer. I have call and asked advised on how to make progress on lowering this amount, but the explanations are vague and do not provide any meaningful results. 

In short, based on my experience with the dealer who sold us the vehicle, I just cant help to feel distrustfull with the whole experience and I'm sorry to say this. 

I need a third party to oversee this loan and a senior advisor from the bank to offer better clarification as to to we can mediate this situation as I can not continue to pay XXXX XXXX monthly without seeing any result for a vehicle that every other month has mechanical issue stemming from the dealer cover up of used ( claim the vehicle was used by a private owner, when in fact, we found out, it was commercially leased by a delivery company ).

Company response to consumer: Closed with explanation
Consumer complaint received 2023-02-02
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2022 i sent XXXX  XXXX account # XXXX, certified mail tracking # XXXX XXXX XXXX XXXX XXXX to validate this alleged debt * they failed to respond with anything back via mail call or email. Neither did they enter the notice of dispute on my consumer report This is a violation of FCRA Section 623 ( a ) ( 3 ) which states If a consumer notifies a furnisher that the consumer disputes the completeness or accuracy of any information reported by the furnisher, the furnisher may not subsequently report that information to a CRA without providing notice of the dispute. 

Also i never gave XXXX XXXX to report this account on my consumer report this is a violation of my right to privacy which is law 15 U.S.C 1681 section 602 A. States I have the right to privacy.

Also i never gave them written instructions to furnish this account which is another violation of law 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 Pictures and supporting documents below where no notice of dispute was entered

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 2021-05-20
Company: Paypal Holdings, Inc
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
PayPal closed my account for no reason and will not help me with getting it back up and going. I am not sure if this is some mistake as I assume it has to be. I have not been able to get help from them for months but I just remembered I could file a report on here as I feel they are not doing their job properly and it is effecting me a great deal as I used PayPal quite frequently. My email linked to my PayPal is " XXXX ''

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: ORG GC GP Buyer, LLC
State: TX
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:
In 2014 I was approved for in store credit with XXXX. I went and purchased a washer and dryer. A week later the merchandise was delivered but it had been damaged, scratched and dented up. I asked that it be replaced, a few days later they showed up with new merchandise but this was damaged as well. It was replaced a third time with more damages so I went into the store and spoke with the manager and had my account closed, they refunded my deposit and scheduled for the merchandise to be picked up. This all happened before my first payment was ever due. Now 3 years later it is on my credit report as if I still have the merchandise and as if I never made payments. My account was closed and merchandise was returned so why would this be on my credit. Now XXXX has sold my debt to a collection agency making it look really bad on my credit. It needs to be removed from my credit as it is a false debt and not mine. I refuse to pay for a debt that XXXX created based off of their wrong doing. I have fought and pleaded to have this resolved over the years and all they are telling me is to pay the debt, even though it has been acknowledged by the store that they were in the wrong. Every time I call they said they cant find my account but now I am getting collection letters with my account number on them. I feel they are saying they cant find it because they do not want to help me resolve the issue and get it removed. Please help me!! You are my only and last option.

Company response to consumer: Closed with explanation