BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2019-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Trouble using your card
Sub-issue: Can't use card to make purchases

Complaint:
Capital One has restricted my card for " security '' over 10 times this year. I have not been able to buy my kids food and our rent is past due. They are restricting our life for " security ''. 

I was asked to verify my identity by sending copies of my driver 's license and social security card or my card would stay locked. Which happens on a weekly basis several times per week. 

Most recently my account has been restricted, and I can not make purchases on the card. I was asked to verify my identity by sending copies of my driver 's license and social security card. 

After sending in my documents, Capital One said I can no longer use my card to make purchases and that they did not need to give me a reason why.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-04
Company: COMMERCE BANK
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with additional products or services purchased with the loan

Complaint:
XXXX XXXX XXXX, XXXX TX. In early XXXX I went into the dealership to cancel my auto warranty I had purchased on my car. I signed a legal document stating that I had cancelled my warranty. I was told that XX/XX/XXXX a refund check was issued to Commerce Bank for my auto warranty that I was cancelled. I tried to get ahold of the dealership multiple times because the warranty refund never posted to my account. I finally got ahold of the salesman on XX/XX/XXXX, that sold me the car, and he told me that the dealership went out of business and that the owners and higher ups of the company are not answering anyone 's phone or giving answers to employees. XXXX XXXX was the financing manager that processed my cancellation and refund. The original cost of the auto warranty was {$2100.00}. I was told a prorated amount around {$1900.00} would be issued to my account. I purchased the car on XX/XX/2020. I am requesting investigation into the reasoning my refund check was never sent to Commerce Bank or never processed, along with the shady practices of XXXX XXXX XXXX XX/XX/XXXX management and owners. XX/XX/XXXX is the company in charge of my auto warranty.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: EQUIFAX, INC.
State: NY
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:
I have submitted a dispute on XXXX confirmation number ending # XXXX. I demanded equifax to provide me a description of the procedure used to determine the accuracy and completeness of the information by the agency, including the business name and address of any furnisher of information contacted in connection with such information and the telephone number of such furnisher. XXXX. They have not done so. I called on XXXX. They did a new investigation and again stated information verified with no evidentiary documents. I spoke to an escalation supervisor XXXX XXXX at XXXX and he informed me that equifax is not required to follow that law. I asked is equifax governed by FCRPA he stated yes but that is one those laws. So equifax is willfully reporting information they have validated with any documents against me constant dispute

Company response to consumer: Closed with explanation
Consumer complaint received 2022-04-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I reviewed my recent credit report and upon checking I noticed that there are inaccurate and fraudulent accounts that I needed to report and correct by your company. My information was misused and it is identity theft. I did not own the following debt. Here are the lists that indicates the company name, balance, and date last reported : XXXX XXXX XXXX XXXX XXXX XXXX / {$4200.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX / {$4400.00} / XX/XX/XXXX XXXX XXXX XXXX XXXX / {$610.00} / 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 2019-06-15
Company: Circle Internet Financial
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
On XX/XX/2019 I created an account on the mobile app XXXX XXXX in order to receive {$380.00} from a friend. As soon as I created an account the company closed my account but around an hour later they let a friend send me {$380.00} to an closed account. I have {$380.00} in my XXXX XXXX   account but I can not do anything with it because the company closed my account. I contacted them with the issue and I keep getting an automated response that doesnt answer any of the questions that I have. I believe they are trying to scam me out the money.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: NAVY FEDERAL CREDIT UNION
State: NJ
Product: Debt collection
Sub-product: Auto debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
In the month of XX/XX/2022 Navy federal credit union credit me {$34000.00} for an auto loan which is the wrong amount and not required amount to pay, including the amount of {$12000.00} of credit card credit Therefore demanding loan amount to be dismissed and consumer violation feees to be owed to consumer ( 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 2017-12-14
Company: BARCLAYS BANK DELAWARE
State: OK
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with rewards from credit card

Complaint:
I had the XXXX XXXX XXXX mastercard with Barclay bank. I have had this card opened since XXXX XXXX. Previous to that I had another card opened with them between XXXX XXXX and XXXX XXXX. So i have been a customer with them for over 18 months at this point. During this time I have never missed a payment. I always pay my credit card off IN FULL and EARLY every single month. During this time I have saved up over XXXX points. These points are worth XXXX cent per point towards travel, so that is almost {$1700.00}. I have been saving these up for a vacation. 

My XXXX statement closed and it was due on XXXX XXXX. On XXXX XXXX, i logged into my account and went to submit a payment for {$7900.00}. This covered all of my last statement and a little on the current balance. I have XXXX different accounts that I pay my card from, and i selected the wrong bank account. The next day i get an email claiming my payment has been returned. I log on and see i selected the wrong account. I called Barclay to explain the situation and they said they ca n't do anything about it and it will automatically try and take the money again 3 days later. So i go and move the money into that account. On XXXX XXXX the payment was resubmitted and was successful. 

On XXXX XXXX I applied for a different Credit card with them. I applied for the XXXX hotel card, because my wife and i always try and stay at that hotel. On XXXX XXXX Barclays decides to close my XXXX XXXX account, and the stated reasons are the returned payment, and too many inquiries on my credit report. ( Over the past couple months I have been looking into getting my house refinanced, and we purchased a car for my wife, so my credit report was hit a few times XXXX. 

I called Barclay and tried to get them to re open the account, because i really did like the card and all the benefits. They refused to open it. I asked about the miles i have been saving up for vacation, and they said those are forfeited. I spoke with a frontline representative when i called in on XXXX XXXX and they said that barclay has the right to cancel my card at any time, and that because my card is now closed the miles are forfeited. I escalated this to a manager and spoke with XXXX XXXX # XXXX  and then escalated again to XXXX XXXX XXXX. 

I feel like they just stole {$1700.00} from me. I have been saving those up for a special vacation to take my wife on. I did nothing wrong ( I still payed my credit card in full and early ). And they took my rewards away from me. I feel helpless. I do n't know how the are able to do that, and i do not think it is right for them to be able to do that. 

Please help.

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 2021-10-13
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
1.XXXX  ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) Inquiry from XX/XX/XXXX 2.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 3.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 4.XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 5.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 6XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 7.XXXX XXXX XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and XXXX am not benefiting from these inquires Transunion, XXXX, XXXX ) 8.XXXX XXXX  Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, XXXX ) 9.XXXXXXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and XXXX am not benefiting from these inquires Transunion, XXXX, XXXX ) 10.XXXX XXXX  XXXX Inquiry from XX/XX/XXXX ( I didn't authorize these inquires and i am not benefiting from these inquires Transunion, XXXX, 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 2017-12-14
Company: JPMORGAN CHASE & CO.
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
Purchased an Airfare ticket with XXXX XXXX for XXXX $ in XXXX. Flew on XX/XX/XXXX and was downgraded to Economy due to a plane swap. on my return flight, it happened again. i contacted XXXX to get the situation handheld but they referred me to there partner XXXX who was operating the flight. XXXX XXXX never resolved the issue, so i made contact with my Credit card company to file a dispute. i told them the situation and they instructed me they would credit me XXXX $ back and keep the difference of XXXX charged on my account since that 's the price of an economy ticket. two months later i was asked to send proof of travel, which I did but they claimed to never have received it and recharged me the XXXX , I called and was given an apology and was told the documents were received late due to an office error and that chase would re-dispute the item for me. since then 2 months have passed and i called chase and was told the dispute is closed and we are rebilling you the XXXX , they said it was my fault because they tried to call me but i did n't answer and they cant dispute something this old ... they never called me or sent me any letter during this whole process. The item in dispute was purchased in XXXX and disputed after the travel in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-02
Company: Bread Financial Holdings, Inc.
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem when making payments
Sub-issue: Problem during payment process

Complaint:
I paid {$750.00} to Ulta-Comenity in and around XXXX XX/XX/2022 and they LOST the payments. 
Had proof from my bank it was sent. 
One day I get 2 statements from Ulta and one has a {$750.00} XXXX XXXX XXXX is my current Ulta account. They credited my OLD acct ( which should hv been closed ) they can't FIND my old acct if I call. They settled it in XXXX but NOW I GOT ANOTHET TWO BILLING STATEMENTS and now they say I owe {$350.00} on my old account.. if I call? THEY CAN NOT FIND THE OLD ACCT. I get told to call, email... theyll fix it..its not fixed and I need you to step in.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-15
Company: EQUIFAX, INC.
State: MS
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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
PLEASE REFER TO THE ATTACHED : In XX/XX/2018, I disputed to get Equifax to remove the attached XXXX Credit Card information ( # XXXX ) from my Equifax Credit File/Report. I have also called Equifax, but get no action taken.This credit information is INACCURATE cause I have never reported a XXXX Credit Card, or any Credit Card, LOST or STOLEN ; additionally, this credit information is MISSING INFORMATION and especially have NO HISTORICAL ( PAYMENT ) DATA.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-06-15
Company: COMMUNITY CHOICE FINANCIAL, INC.
State: MI
Product: Money transfer, virtual currency, or money service
Sub-product: Check cashing service
Issue: Problem with customer service

Complaint:
I stopped payment on a check to a contractor for breach of contract. The contractor had cashed the check through XXXX. When the contractor couldnt cover the check, he gave XXXX my phone number and they have been calling me up to 5 times a day, harassing me about the check. I told them to stop calling me on XX/XX/2019. They have called 5 times since then.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Problem with product or service terms changing

Complaint:
After putting a freeze on my credit through Experian about two or three weeks ago, I have received several emails from Experian saying a 'change to your credit file detected ' and 'the credit balance one one of your accounts decreased ' and 'please open immediately to review a change we've detected in your credit '. In each of these emails ( XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XXXX, XXXX and XX/XX/XXXX - I did not find these until XX/XX/XXXX because they somehow went into the JUNK file which I do not go into often. ) One report said thanks for checking your report, it raised your fico score. All emails said 'See all reports ' and had a button to do so, but it put me on a blank web page. 

I have tried to contact them by phone but they will not talk anyone. 

How and where did they get permission to gather every ones information and then have the gall to not let you talk to them? I certainly did not give them permission. I saw a lot of other people on the internet asking how to talk to them.

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 2019-06-15
Company: AES/PHEAA
State: NY
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:
I have a loan with FEDLOAN. I have always made my payments on time. For some reason, I realized that there was a late payment on my credit report. As you can see, I have always had a stellar payment record with this company. I tried contacting both XXXX, XXXX and FEDLOAN with no successful resolution. XXXX and XXXX were reporting me late. There was definitely an error on their part. I was never 30 days late.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-11-12
Company: DISCOVER BANK
State: MN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Problem with balance transfer

Complaint:
I found out about a credit product available to me, for a 0 % APR deal on balance transfers, with just a fee as a % of the balance amount as the only fee. This all appeared to go through fine, and I actually had the money deposited into my bank account instead of transferring the balance directly. This was nice and easy. HOWEVER -- on my next statement, the balance transfer amount is not separated from my purchase amount. My billing statement shows a total amount of balance ( {$3400.00} ), as well as a min pay due amount of {$70.00}. What this statement does not indicate anywhere, is how much total needs to be paid to account for my purchase amounts, which would accrue interest if not paid in full, while my balance transfer amount and fee are accruing no interest until XX/XX/2020. I had a lengthy conversation with an agent online in a chat who finally stated the amount I had to pay ( for which they would negate any interest accrued ) was my purchase balance of {$390.00} + the {$70.00} mpd. It is misleading to a consumer who is not aware that the entire balance is at a 0 % apr, or having the option to indicate when making a payment that the amount you are paying down should be applied to the purchases you've made, while allowing the balance transfer amount to stay put until closer to the XX/XX/2020 date that interest will begin to accrue. It is clear that Discover is trying to swindle interest money out of consumers that aren't diligently checking their account or terms of interest by combining these two balances, not clearly stating the difference on the statement, or allowing an option when making a payment to pay off the total amount that will be accruing interest charges in any given month when a balance transfer with 0 % apr has been added onto an existing credit line. I will apparently have to continue checking in every month to have " interest waived '' and make sure I am paying the correct amount because it is not clearly stated on my printed monthly statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-03-09
Company: ENCORE CAPITAL GROUP INC.
State: CT
Product: Debt collection
Sub-product: Credit card debt
Issue: Took or threatened to take negative or legal action
Sub-issue: Threatened to sue you for very old debt

Complaint:
Statute of limitations in CT for credit card debt is 3 years, last date of action on account was XX/XX/XXXX. Court action was filed XX/XX/XXXX. The address on the lawsuit was an address I hadn't resided in since XX/XX/XXXX and mail was no longer being forwarded, so I did not receive notice of the suit or any of the resulting rulings. XX/XX/XXXX a default judgement was entered & on XX/XX/XXXX a motion for wage execution. The execution was served to my employer XX/XX/XXXX & forwarded to me by them postmarked XX/XX/XXXX ( 2 days before 20 day exemption period to ask for a stay of execution from the court ). XX/XX/XXXX I attempted to file a motion to open the judgement but was denied the fee waiver XX/XX/XXXX and because of wage execution have been unable to afford the fee. 
As of today, the following amounts have been deducted from my paycheck : XX/XX/XXXX : {$290.00} XX/XX/XXXX : {$290.00} Total : {$580.00} Total amount of judgement : {$1300.00} Total amount of wage execution ( w/ fees ) : {$1500.00} Total amount due after Marshal 's fees : {$1800.00} The company ( XXXX XXXX ) has a history of these behaviors and was previously served a consent order by the CFPB, along with its ' parent company Encore Capital Group , on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-12-04
Company: Chime Financial Inc
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Money was taken from your account on the wrong day or for the wrong amount

Complaint:
I was charged double on my chime account for the merchant XXXX  XXXX chime made my account negative. I didn't have overdraft protection so I don't know why it was able to make my account negative I received payments to XXXX XXXX  which was attached to my chime and chime kept my payments equaling to the amount of XXXX $ merchant XXXX  XXXX was charged on dates XX/XX/XXXX and I never got my money back chime has refused to fix this problem and give me my funds

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-25
Company: EQUIFAX, INC.
State: NC
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:
This is my NUMEROUS request that I have been a victim of identity theft and that no one seems tocare, that I want to dispute specific items in my credit file that do not belong to me, or that I have signedany agreement. The items I'm challenging have nothing to do with any transactions I've done orauthorized to gain products, services, or money. Please remove the following : 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 XXXXXXXX Balance : {$0.00}.

Company response to consumer: Closed with explanation