BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-10-25
Company: Exeter Finance Corp.
State: CA
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:
the company will not send the documents that have been requested in order to report accurate information on y credit report. I filed a complaint previously and assumed it was resolved when someone form Exeter Finance called and stated they would resend an email that would contain the full account history but that was never sent and I have waited at least two months.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Ocwen Financial Corporation
State: NV
Product: Mortgage
Sub-product: FHA mortgage
Issue: Trouble during payment process

Complaint:
I've been paying extra principal on my mortgage for last few years. I never had a problem with that, I've called mortgage company and explained that any money above the monthly payment need to be applied to principal. Last few months they started to split my payment and started to apply for extra monthly payment. I've called them and explained that I don't want to do extra monthly payment and that everything should be applied to principal, but they don't want to quit. I've just received monthly statement and they did it again.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Unexpected or other fees

Complaint:
Sears Citicard changed their terms and conditions in XX/XX/XXXX on a credit card I opened in XX/XX/XXXX. I was informed on XX/XX/XXXX that this update meant that they could soft pull my credit and lower my credit limit as a result. I have been working hard to pay this card down. They lowered my credit limit from {$970.00} to {$450.00} after I made a big payment and was told my credit limit would not be lowered. This credit card is keeping my credit utilization reported at 89 % ; thereby negatively reflecting my credit history. It should be positively affecting my credit history if I am making consecutive, big payments. My credit limit is now {$51.00} from the maximum instead of {$650.00}, even though I have no delinquencies for this account on my credit. I was told by the supervisor, XXXX that if I pay it down more, it will likely lower my credit limit. This appears to be discriminatory in that they are lowering my limit every time I make a payment. They are also continuing to make my credit history look poor by keeping my credit utilization at a high percentage despite my making high payments that are on time. These practices appear unethical and punitive when I am honoring my part of the agreement with my credit card. If they close my account as soon as I pay it off, they are further harming my credit, even though I followed all of the rules. I would like this reviewed for unethical conduct and I would like the person who directly lied to me about my credit limit not being lowered to be researched. I made sacrifices in order to make such a heavy payment and I could have made this to a card that was not going to consequence me for doing the right thing.

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 2018-07-14
Company: SYNCHRONY FINANCIAL
State: TX
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 have a XXXX XXXX XXXX credit card from XXXX XXXX. I never received my rewards check from XX/XX/XXXX. I have called several times and spoken to several supervisors since XX/XX/XXXX. Initially, they said they would look into it and get back with me. After several months, I called back and was told that I forfeited the rewards because the check expired. I explained the problem was that I never received the check so I was not able to know when it expired. He also stated that once the check expires, you forfeited the rewards. But when I look at the terms and conditions, it says that, " Cash Back rewards are forfeited if the XXXX XXXX XXXX Mastercard account is not in good standing is more than two months delinquent on the minimum payment, if the XXXX XXXX XXXX  Membership terminates or lapses, or if the Cash Back earned in a calendar year is less than {$5.00}. '' I was never delinquent on my payments and I use the card frequently. I have been a XXXX XXXX XXXX member for the whole time I had this credit card. And my rewards check is over {$260.00}. No where does it say you forfeit rewards if the check was never cashed or lost. Lost mail is a frequent problem. I feel this is very deceptive as the consumer is the one to get shorted. After complaining to XXXX, I was transferred to a different supervisor at XXXX XXXX and she only offered a {$25.00} bill credit for my troubles and refused to reissue the check.

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 2019-01-31
Company: JPMORGAN CHASE & CO.
State: CO
Product: Mortgage
Sub-product: Other type of mortgage
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
To whom it may concern I am filing this complaint against Chase Mortgage they were my mortgage company and since then has sold my loan I was going to refinance my home and when the bank called me to do a refinance I want to do the HARP program they told me I couldn't do the HARP program that chase had put me through is doing a refinance in 2015 and using the HARP program I never signed any paperwork for a refinance I was never contacted about a refinance and I never use the HARP program so I feel that this is fraud that they did something that I wasn't aware of and if I'm doing a refinance I do believe I have to sign paperwork on it but it was put through that I use the HARP program and that I refinance I did not do this I feel there needs to be an investigation on this

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-22
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: OH
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
On XX/XX/XXXX USAA entered into an agreement to pay affected customers a restitution of {$180.00}. We are now 6 weeks past this initial notification date and no attempt to render payment has been made. This is continued abuse by USAA and I believe renders them non-compliant in their agreement. I am asking CFPB to issue additional relief and advocate on my behalf to enforce the settlement in a far more reasonable and timely manner.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2023-06-16
Company: PNC Bank N.A.
State: PA
Product: Money transfer, virtual currency, or money service
Sub-product: Virtual currency
Issue: Fraud or scam

Complaint:
Hello. I was lured and scammed into paying someone XXXX} through XXXX  on XXXX XXXX. I was selling furniture on XXXX XXXX, and the buyer wanted to pay through XXXX. I received an email that XXXX would not accept payments over XXXX} because i needed to upgrade to a business XXXX account. The buyer proceeded to send me {XXXX} and i received an email that she had sent {XXXX}. She proceeded to demand i refund her the XXXX  to upgrade my XXXX  account to a business XXXX account. I ended up paying her XXXX to refund the amount that appeared to have been paid to me. I realized it was a scam a few minutes later and immediately called my bank ( PNC ) to cancel the transaction within minutes. By that time it was too late and the bank refused to assist with the scam.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-18
Company: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
On the XX/XX/2019 I received a letter from Citi Bank regarding my credit card account that I have held respectfully for the last 10 years. The letter unfortunately indicated that they were closing my account due to two or more returned payments. Prior to this letter I had received notification of the unpaid autopayment and the instructions included to replace the payment with another payment which is what I did. Citi bank never notified me that if another unpaid autopayment occurred they were going to close my account. Unfortunately at that time I was unaware that I had my autopay setup with Citibank with a checking account that was closed. Therefore, since the checking account they were attempting to collect from was closed  the payment was being returned. I regretfully, did not change the banking information at a timely manner because I was not aware of the consequences of my Citibank credit card which was originally a student credit card I received when I was XXXX years old and a XXXX in college being closed. This credit card account is my oldest account and now the closure of this account has effected my credit report and score in a negative manner because y credit age has significantly dropped below average. I would appreciate it if Citibank reopens my credit card account and gives me the benefits of the doubt. I have held this account honestly and respectfully for the 10 years and am committed to maintaining this client bank relationship with Citibank if they allow the goodwill of my reputation for the last 10 years shine through the temporary mistake that has led to these unforeseen events.

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 2018-02-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
On XX/XX/XXXX and application for a Capital One credit card was processed. This was done by my ex husband without my permission.

Upon finding out about the accounts existence and how it could negatively affect my credit, on XX/XX/XXXX, I immediately contacted Capital One and requested that the account be closed.

The account was never paid late and it's current status is " Closed ''

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2020-10-25
Company: EQUIFAX, INC.
State: MI
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:
On XX/XX/2020 I sent an additional letter to Equifax considering the incorrect information on my credit report. I also sent a letter on XX/XX/2020 and still didn't get the results that I instructed. I am stressed due to to this incorrect information it has disabled my ability to obtain credit and does not properly show my ability to be a responsible consumer. By law they have not responded within the time frame and are in violation of the FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-15
Company: ALLY FINANCIAL INC.
State: NC
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Billing problem

Complaint:
The reason why Im writing is Im getting tired of calling the representative are very rude and I have everything recorded on my phone for proof. Im XXXX  currently and I do not need this stress I have had two XXXX  back to back. My account is showing past due and a late fee that is not correct I was place on a special payment which I sign and faxed over. My payment was made on time of the correct amount of  {$98.00} on XXXX per the contract I even called and recorded the agent stating I made the correct amount on the due date. The other amount was {$140.00} per contract to start the next payment being {$98.00}. I did exactly what I was supposed to do per contract and it showing a late fee of {$15.00} and a past due {$140.00} amount that is breeching your contract and I will take you to court if my account isnt fixed to reflect the correct amount of {$240.00} due and no late fee. Thank you for your time. Have a wonderful day! Be safe!

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 2020-10-25
Company: EQUIFAX, 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: Their investigation did not fix an error on your report

Complaint:
I am not delinquent, late or past due on XXXX XXXX. 
Funds are being kept in a separtate XXXX account until XXXX XXXX is modified. 
XXXX is still reporting me as late or delinquent, but they are with holding XXXX XXXX payments into an account until further actions on XXXX XXXX modification. 
Credit reporting agencies will not investigate this matter. 

I AM PAYING XXXX XXXX! 
NEVER BEEN LATE!!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-09
Company: Experian Information Solutions Inc.
State: NJ
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 entered in Federal Rehabilitation loan that paid all loans in XX/XX/2016. I was assured that all negative Student loan payment history would be deleted from my report if I agreed to the repayment plan. I have not missed a payment since I signed up. My Balance is XXXX and all my accounts are being paid on time. I would like all the the late payments and delinquencies from XXXX XXXX to be removed from my Credit Reports.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Checking or savings account
Sub-product: CD (Certificate of Deposit)
Issue: Opening an account
Sub-issue: Confusing or missing disclosures

Complaint:
Opened CD account with capital one 360. The account shows a hold on the {$10000.00} I transferred from XXXX XXXX. The amount shows as a reduction in my XXXX account but does not show up on Capital One. Capital One shows a 72 hour hold on my {$10000.00}. It has been 72 hours and when I called after continuing to show XXXX account balance I was told that there was a hold for 10 days and that I would not see the amount for 10 days. I was given a song and dance about how this was a rate lock that was to my benefit. I work for a bank so I know this is not a benefit. I feel like my money is gone. When I told him I wanted it back in my XXXX account I was told I would be penalized for three months interest. 
I work for XXXX XXXX so I know what lying to customers feels like. I need you to do something about this. This was not something that was made clear when I signed up for the account. If the hold says 72 hours then it should be 72 hours not 10 days.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-31
Company: Experian Information Solutions 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: Investigation took more than 30 days

Complaint:
submitted a dispute, certified mail, received a dispute result update report number XXXX XXXX from Experian on XX/XX/XXXX on the report there where 9 items which i disputed, please see pdf on Experian report on XX/XX/XXXX received dispute update for report number XXXX XXXX with 8 items verified, but one did not show on report XXXX XXXX XXXX   acct # XXXX. I call Experian on XX/XX/XXXX to request why XXXX XXXX  was not updating my credit report according to FCRA they had 30-45 days to update disputed information. There respond was they do not have to do an investigate just submit to lender to verify. THAT IS NOT true. a reasonable investigation must have been performed. They lied and gave me mis-information. I enclosed the proof for you to review.

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 2020-08-31
Company: Experian Information Solutions Inc.
State: TX
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: Other problem getting your report or credit score

Complaint:
My credit score was decreased from a XXXX to a XXXX on XX/XX/XXXX. It dropped 81 points with no explanation or activity. I am requesting an investigation on why my credit score dropped 81 points with no activity. Attached is the 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 2020-08-31
Company: TransferWise Ltd
State: CA
Product: Money transfer, virtual currency, or money service
Sub-product: International money transfer
Issue: Other transaction problem

Complaint:
1. Tranfered {$4500.00} to TransferWise for an international bank transfer ( XX/XX/2020 ) 2. Transfer was cancelled by TransferWise due to missing information. They issued a refund XXXX XX/XX/2020 XXXX 3. I never received the refund and reached out to their customer service XXXX mid XXXX XXXX 4. TransferWise claims to have transfered the money to an account ending in XXXX which is not my account. They refunded the money to an incorrect account. They try to get the money back from this account. In a later statement they claim to have refunded the money to the correct acccount, see transfer receipt. XXXX XXXX of XXXX XXXX 5. TransferWise puts a trace on the money XXXX XX/XX/2020 XXXX 6. I reach out again. They are still waiting for the money to bounce back XXXX XX/XX/2020 XXXX 7. TransferWise asks for payment information and I provide a bank statement ( XX/XX/2020 ) 8. TransferWise asks for a newer bank statement which I also provide XXXX XX/XX/2020 XXXX 9. TransferWise recalls the money from wherever they transfered it to ( XX/XX/2020 ). 
10. I gave TransferWise 5 days to get me my money back before contacting the ombudsman. As of today, XX/XX/2020 I still did not get the money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-25
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
The last charge I made was for the amount of {$250.00} which I paid Macys on XX/XX/20. My card had a XXXX balance. when I received the next statement there was a balance of {$880.00}. Now the balance has gone up to {$1200.00}. I called Macy right away to report to tell them that I did not make any of those purchase. I did not find my Macy card so I told reported it stolen. Macy said that they were going to investigate. They cancelled my card and sent me a new one. The next statement I received, macy took all the changes off. Then they turned around and told me that I am responsible to pay after they investigated some more. At which time a police report was made on XX/XX/20, but macy still holding me responsible for charges I did not make. 
I am asking to please take those charges off my account since I did not make any purchase since I had a XXXX balance on my account. My credit is also in jeopardy for some charges I am not responsible. I also keep being harassed by phone calls. I am confident that you can solve this issue. 
I thank you in advance.

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 2020-10-25
Company: LendingUSA
State: NY
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Problem with the payoff process at the end of the loan

Complaint:
I took a loan with LendingUSA in XXXX, starting in XX/XX/XXXX. I was to pay {$130.00} until XX/XX/XXXX, which I did on the due data of the XXXX of each month. Apparently once payment did not go through so that I was charged Account : XXXX. 
I received emails from the company until XX/XX/XXXX. I contacte dthem to let them know that I moved and provided my new address. My phone number has not changed though, and my email address either. 
In XX/XX/XXXX, I was informed by my credit monitory system that LendingUSA has flagged me for 30 days late. I was surprised since they took {$130.00} on XX/XX/XXXX, therefore was expecting that they would continue debiting my account until the different fees were paid off. Thye had not contacted me before glagging me 30 say late. I contacted them to tell them of the mistake - both continuing to take from my account as agreed, and flagging me 30 days late. In spaite of everal phone calls and emails, they refused to change the reporting and said that they would continue to flag me late and take from my bank account. I told them to stop taking from my bank account is they were going to continue flagging me late - now 60 day late. 
My credit has dipped more than 30 points due to this and is preventing me from getting a mortgage.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
Hello, There are 3 issues with my account with Kohls credit card. 

1. the credit card was never activated. 

2. the card was used by accident by my mother who thought she was paying her card and missed a payment. 

3. this payment that was missed affected my credit report. 

I have fully payed all debt and asked them to remove this from my report as the card was never actually activated by me. I have not heard a response from them.

Company response to consumer: Closed with explanation