BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
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:
On XX/XX/2020 we made a deposit for a vacation rental through Home Away, a platform for making short term rentals. The deposit was {$180.00} and was paid with a Capital One Venture Visa Card. 

The reservation was for a 4 night stay in XXXX, Oklahoma to attend a surprise XXXX anniversary party for members of our family. 

On XX/XX/2020 Florida Governor XXXX XXXX declared a State of Emergency in Florida, our home state. 

XX/XX/2020 we received a notice from Evolve Vacation Rental that our Capital One Venture Visa Card would be charged {$590.00} for the balance of our rental payment. Our original reservation was made through XXXX XXXX and this notice from XXXX was not expected as we thought we were doing business with XXXX XXXX. 

XX/XX/2020 we made repeated attempts to reach XXXX XXXX XXXX to ask them to cancel our reservation as the trip was anniversary party was cancelled due to travel restrictions caused by Covid-19.  We were unable to reach XXXX as their call system was not accepting calls and their website did not provide us a way to cancel our reservation ... that was made through XXXX XXXX. 

Later on XX/XX/2020 we contacted Capital One in an attempt to have them help us stop the credit card charge of {$590.00}. We were told that Capital One required a 5 day advance notification to stop a charge. 

On XX/XX/2020, XXXX XXXX XXXX did indeed charge our card {$590.00}. 

From XX/XX/XXXX through XX/XX/XXXX we continued to try and contact XXXX to settle the issue of our inability to cancel our reservation with no success. Their system did not allow us to reach a person either on the phone or through electronic means. 

On XX/XX/2020 we filed two disputes with Capital One regarding the two charges referenced above, the initial deposit and final payment. 

On XX/XX/2020 we provided support documents to Capital One through the US Mail ( we have proof of receipt ) and later through electronic means. 

On XX/XX/2020 we received a letter from Capital One stating that ; " Based upon this review, wee have determined that the previous investigation was decided appropriately and addresses your dispute ''. 

We have been directed by Capital One to try and settle our dispute with XXXX XXXX XXXX on our own without any addition help from Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: NISSAN MOTOR ACCEPTANCE COMPANY LLC
State: NY
Product: Vehicle loan or lease
Sub-product: Lease
Issue: Problems at the end of the loan or lease
Sub-issue: Problem extending the lease

Complaint:
I was leasing a car for my daughter and lease was scheduled to end in XX/XX/XXXX. Being that my daughter had not found another car yet, I requested from Nissan if we could extend the lease. They said that we could and sent me the attached letter to sign in order to extend the lease. The form states ( in bold ) that except for the changes listed in the letter ( the rate increased to include additional taxes ) everything else about the lease would remain the same. So when I got the next bill in the mail, I ignored it, because I had been doing auto-pay from my bank for the 35 previous months of the lease and had no reason to think that it ended. Even during the lease, I would get bills like this one monthly. I then went away for a few days in the summer and when I got back, there was a message on my home phone to call Nissan. I did, and they told me that my payment was overdue and that my auto-pay had not been carried over to the lease extension. I explained to them why I had not paid the bill ( that I expected that the auto-pay would continue since the letter I got said that everything was remaining the same ) and then immediately went online to pay the bill ( {$190.00} ). A short while later, I got a notification from my credit card company that my Credit Report has been changed. I logged in and saw that where my credit report previously listed my as having XXXX (! ) late payments in 23 YEARS (! ), I now had one. Reported by Nissan. Which caused my credit score to drop by 50+ points. I contacted Nissan and begged them to remove that negative item from my report but they refused ( as indicated in their attached letter ).

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
PayPal sent me a credit card in the mail that I never requested. I called the customer service number on the back of the card to cancel it. The automated voice said my telephone number caller ID was valid. I entered the last 4 digit on the card, but the automated voice said the last 4 numbers on the card they sent isn't actually a valid number. Good grief, it's right on the card they sent! So I hit 0 for an operator, but the recording said their customer service is closed due to covid-19, and the robot phone handler hung up on me. Given that they have employees working to send people unsolicited credit cards, why is there no customer service? And who would want a card anyway, from a company who doesn't have any customer service for it?

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 2021-07-01
Company: WELLS FARGO & COMPANY
State: ID
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Fraudulent phishing scam. Pretending to be Wells Fargo Bank to access personal info. Please hurry. They got some info before I realized something wasnt right. FRM : WELLS-FARG0 Bank.Debit LOCKED SUBJ : Contact ( XXXX ) XXXX XXXX : 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 2020-09-08
Company: LoanCare, LLC
State: AL
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
House hit by Tornado in XX/XX/2020. Check from insurance received and forwarded to LoanCare based on mortgage rules. Some work had to be done to stabilize roof, etc immediately after event along with other work. Paid out of pocket. Sent invoices showing paid in full for reimbursement. Sent info on vendors w9 and lien waiver as requested on website. Still no reimbursement. All work stopped due to LoanCare not releasing funds. Vendor info on already received paperwork. Company states they will not do Direct deposits, send confirmation emails about recorded conversation, and supervisor will not return calls. Seems pretty shady to me. Have held funds 2 to 3 months now while I did paperwork for them Need money since house not fixed. High utilities due to damage. Hole in wall still. No laundry facilities and I am XXXX  during Covid. No kitchen so eating out or microwave food. Please get them to release funds

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-09-21
Company: Broder Credit & Collection Service
State: NJ
Product: Debt collection
Sub-product: Other debt
Issue: Communication tactics
Sub-issue: Called before 8am or after 9pm

Complaint:
Broder Credit and Collections has called and hung up repeatedly, no message left. Tried calling back, no person, not even voicemail identifying the phone number as a business or even a person. The document dated XX/XX/2018, fails to identify the original creditor etc ; unlawfully shows fulls social security number, and also visible through envelope in violation of NJ Stat. Ann. 56:8-164 ( West 2005 ) prohibiting full exhibition of social security number. 
This company simply makes a demand be for money, encloses an envelope. 

A dispute was emailed to this company.

Company response to consumer: Untimely response
Consumer complaint received 2021-07-01
Company: BSI Financial Holdings, Inc.
State: NJ
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
My mortgage was serviced by XXXX, in XXXX they refused my payment citing the previous months were not paid. I went to my bank got the statements and presented to XXXX, it was not corrected and they returned my subsequent payments and advised end my property was in foreclosure. I called their attorney and presented the documents and was asked to send it again. I made numerous attempts to get this resolved to no solution. My mortgage was transferred to BSI, made several attempts to resolve the issues to no avail. Finally after exhausting attempts it got partially resolved. The reported derogatory reports on my credit report and even though I provided all the necessary proofs. My mortgage is paid off and BSI refused to correct my account and refund my payments.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: WA
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: Card was charged for something you did not purchase with the card

Complaint:
On XX/XX/2021, my Bank of America credit card had 2 fraudulent transactions from XXXX XXXX worth {$660.00} and from XXXX XXXX {$430.00}. I quickly noticed these and reported them to my bank. 

During that day, I was working from home in my apartment and my roommate can attest to this as a witness. I could also verify this from computer logs. In addition, the physical card was in my wallet the entire time. 

Although Bank of America initially credited the account for them, they quickly reversed it after only looking at one piece of information : that it was chip-based.

They never contacted me to ask for any evidence I could show to prove that it was not me. They never contacted the merchant to ask for receipts or video evidence. 
When I called to dispute, they mentioned the XXXX was completely on me to file a police report, contact the merchants, and try to gather evidence and physically mail it to them. 
They didn't ask me any further questions. 

The fact that they only looked at ONE piece of information and resolved it against their customer WITHOUT ever contacting them is frustrating to say the least. It causes tremendous physical and psychological stress to be the sole person responsible to gather all the evidence needed to prove my innocence. Despite the bank having a " no fraud liability '', they did not attempt to help their customer at all. This is wholly unacceptable.

Just simply contacting one of the merchants revealed purchases made for a giant battery and a chain saw which are clearly suspicious and of no use to me since I do NOT have a yard and currently live in the city.

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 2021-07-01
Company: EQUIFAX, INC.
State: SC
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: Investigation took more than 30 days

Complaint:
Ive been seeking validation for derogatory items reported to my credit report since XX/XX/2020 and the reporting agencies have failed to comply with any valid response to my request. I have proof of said request sent via mail that has been uploaded to the complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-23
Company: AMERICAN EXPRESS COMPANY
State: MN
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:
To whom it may concern : In late XX/XX/2020, I applied for The New Delta Skymiles Reserve American Express card. The promotional offer was XXXX bonus miles where you earn XXXX bonus miles and XXXX XXXX   after spending XXXX in purchases within the first 3 months. You would also earn an additional XXXX miles upon my first renewal date which equates to XXXX bonus miles in addition to the XXXX XXXX. My husband and I met this requirement within 1 month of having the account. On XX/XX/2020, I was issued XXXX bonus miles and XXXX XXXX  miles. A few weeks ago, I called the customer service number at American Express and they confirmed the amount was sent to XXXX to be credited to my Skymiles account. I attempted to explain to the customer service representative what the promotional offer was and she suggested I reach out to you directly. In addition to the above, I had to call your customer service line on several occasions since my credit line was reflecting incorrectly on my account. 
The second complaint we have regarding the account is that being a XXXX XXXX member your website reflects that one of the benefits is that you earn XXXX miles per dollar spent ; however, this has not been the case. 
As a longtime customer, I am requesting the following : A credit for the XXXX bonus miles that were promised when I applied for the account. 
A credit for the missing miles based on my XXXX XXXX Status ( {$24000.00} YTD spend as of XXXX*XXXX  miles per dollar ) and ensure going forward my account is credited accurately A credit in the amount of {$720.00} in compensation for my time and inconvenience. 

If the above can not be met, I will discontinue the use of these accounts in the future and move my business to the XXXX XXXX XXXX card which provides us with more friendlier terms.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-07-01
Company: EQUIFAX, INC.
State: FL
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:
Results of my dispute were mailed to me via USPS indicating that my dispute had resulted in 7 items being deleted from my credit report, as indicated in attached file. 

Items are still appearing on my credit report 4 months later and Equifax phone operators place me in a permanent phone loop, leaving me on hold for hours

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-23
Company: Experian Information Solutions Inc.
State: NY
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:
After receiving a current copy of my credit report, I discovered some entries that were identified as inquiries which qualified for deletion from my 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 explanation
Consumer complaint received 2020-09-08
Company: LoanCare, LLC
State: NC
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Trouble during payment process

Complaint:
In XX/XX/2020, I received an Annual Escrow Account Disclosure Statement from my loan servicer, XXXX XXXX XXXX XXXX ( Loancare ), with a statement date of XX/XX/XXXX. This new Escrow Analysis shows a escrow shortage of {$1000.00}. 

Upon researching why my Escrow shortage was so high, I discovered that my county was now combining my City and County taxes. My County and City taxes combined is {$1800.00}. XXXX ( Loancare ) is assessing my County taxes as {$1800.00} with an additional {$700.00} in City taxes and therefore charging me twice for the City taxes which are included in the {$1800.00}. I have sent them a copy of my county tax bill on XX/XX/XXXX showing that both taxes are now combined and it has been confirmed by SEVERAL customer service reps that they have the copy of the tax bill and can see that they, XXXX ( Loancare ), are assessing the City taxes twice. 

Since sending XXXX ( Loancare ) a copy of my tax bill, I have placed numerous calls to XXXX Servicing ( Loancare ) requesting a new Escrow Analysis as the XXXX Analysis Escrow shortage has increased my mortgage payments to a distressing amount for me at this time. 

Although I did not document the dates of all the earlier calls I have made beginning XX/XX/XXXX I have been assured multiple times that they can see I am being charged twice for my city taxes and that they are requesting a new escrow analysis yet no changes have been made to my escrow account or mortgage payments. 

In addition to the many calls I have made, I requested a revised Escrow statement/analysis through XXXX online customer service on XX/XX/XXXX, explaining the issue in detail ( Ticket #  XXXX ). I received an email back on XX/XX/XXXX stating the issue was resolved with no explanation and no changes to my escrow account or my monthly payments. 

My most recent calls, I spoke with XXXX who assigned a case # XXXX on XX/XX/XXXX. She assured me that she has elevated and expedited my request for a new Escrow analysis with the corrected tax bill. 

I again spoke with XXXX, agent # XXXX on XX/XX/XXXX, who stated the case is still under review and should be resolved within a week and prior to my next payment going past due ( XX/XX/XXXX ). 

As of today, XX/XX/XXXX, my escrow account still list the duplication of {$700.00} for my city taxes and an escrow shortage of {$1000.00} with a higher monthly mortgage payment. In all the numerous calls I have made to XXXX ( Loancare ), I am not allowed to speak to a member of the Escrow Team and this issue is not getting resolved by the customer service team. 

I have not been working since XXXX of this year due to Covid-19 and this new, higher mortgage payment is having a huge impact on me and my family. 

Thank you for any help you can provide in resolving this matter.

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 2020-09-08
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
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:
THE BANK OF AMERICA CARD THAT IS LISTED ON MY CREDIT REPORT IS " NOT '' MY CARD AT ALL. i AM NOT A AUTHORIZED USER ON THIS ACCOUNT AND HAVE REQUESTED IT TO BE REMOVED FROM ALL THREE CREDIT REPORTS. 
XXXX, XXXX AND XXXX. I TALKED TO THE BANK OF AMERICA AND THEY AGREED THAT I XXXX XXXX XXXX AM NOT ON THIS ACCOUNT, YET IT SHOWS UP ON MY ACCOUNT. I WANT THIS REMOVED IMMEDIATELY AS IT IS HURTING MY CREDIT SCORE. THE CREDIT ENDING IN XXXX FOR 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 2021-07-01
Company: PENTAGON FEDERAL CREDIT UNION
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
Estimated date : XX/XX/2020 As XXXX war veteran I don't ask that anyone treat me better or different, but the same, with dignity and respect. When I contacted PenFed Credit Union to open an account, I was not treated equally or given the same chance to participate in the products.

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 2021-11-27
Company: Fidelity National Information Services, Inc. (FNIS)
State: MN
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 am having a problem getting a copy of my Chex Systems Consumer Report, I am entitled to. All of the accounts and credit inquiries listed on my Chex Systems Consumer Report is fraudulent and unauthorized accounts and credit inquiries.

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 2020-10-19
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Can't close your account

Complaint:
Hi i was trying to close my acoount with citi and they closed at it first and now it was reopen due to a glitch on there system and my phone number was also removed and im trying to close my account again both checking and savings account and they are both open in my name and they cant close it due to a phone number not verfied and ive been charged 30 fee on my account and i just want my money mailed in a check and i want all mail stop coming to my address

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 2017-08-12
Company: PLANET HOME LENDING, LLC
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
XX/XX/XXXX PLANET HOME LENDING increased my mortgage from {$500.00} to {$1300.00} stating that they had to add insurance. I called and instructed them that my insurance the entire structure is covered by the homeowners association. I submitted the first set of paper XX/XX/XXXX after not getting a response I called and was told I submitted the wrong information. I resubmitted the proper information in XX/XX/XXXX and was also called by one of their agents i told him i am willing to pay my regular XX/XX/XXXX and XX/XX/XXXX payment he told me no it had to be the entire amount due.I called the insurance department on XX/XX/XXXX to see if everything was in order and was told that they received the proper paperwork but was not readable, we did a 3 way call to XXXX direct thats the company for the insurance paperwork and it was faxed again I was told by the agent { XXXX } that everything was good and by Wednesday everything be sent to escrow to complete. I kept calling and each time i called i was told something different until i got an agent named XXXX i told her the story and resubmitted the documation to her this was in XX/XX/XXXX and XX/XX/XXXX i had to submit the previous year insurance and once again i have to wait on escrow this was not finalized until XX/XX/XXXX and now i am being charged an additional {$3000.00} in foreclosure fee. All the information was submitted that was requested there closest office is 4 hours away and each time i call its a different agent answering its an XXXX number. I just think its crazy for their delays. I am now being punished and threatened with loosing my home. Now they are listing my new payments as {$520.00} they are still adding on.

Company response to consumer: Closed with explanation