BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2023-01-23
Company: WELLS FARGO & COMPANY
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Fee problem

Complaint:
I have tried several times to speak with some about these ridiculous bank fees and the fact that pending transactions take 4 days to post. Which will cause you to acumilate nsf fees. {$35.00} up to 3 times a day is robbery. I am paying half of my paycheck once my direct deposit hits in bank fees.

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 2018-03-11
Company: EQUIFAX, INC.
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: Problem with personal statement of dispute

Complaint:
My credit report shows a negative collection/chargeoff from XXXX XXXX.This account has been closed since XX/XX/XXXX. The full balance was paid. XXXX XXXX still shows a negative account on my report. I disagree with this negative report from XXXX XXXX. 
This account was opened on XX/XX/XXXX and closed on XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: AMERICAN EXPRESS COMPANY
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:
I have a loan with AMEX, XXXX, and XXXX I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX, XXXX, XXXX, AMEX, XXXX, and XXXX with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-06-19
Company: AMERICAN EXPRESS COMPANY
State: NY
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:
American Express put a hold on my Gold Delta Skymiles account with a credit line of a whopping {$1000.00}, without any notification. The reason given was that I had used the card with XXXX, which is prohibited. 

I put that in quotes because I had never HEARD of such a policy. I have multiple other cards that Ive enjoyed using with XXXX for my entire life, but apparently Amex does not allow this. News to me. 

So I call to see whats going on, and was given that answer, to which I was flabbergasted. They then went on to demand a conference call with my checking account bank ( XXXX ), to inquire as to the balances of my acccount at the start and end of the last 3 statements. 

As you might know, my balance at the time of the start or end of a statement has ABSOLUTELY NO bearing on my general financial health or responsibilities. Its a completely arbitrary time choice. 

Nevertheless, they humiliated me through this process, having my balances read to them over the phone. 

They then submitted my card to further review to see if the limit needed to be adjusted. When I inquired how I was to know when a decision has been made, they said I could just call back. Not even the courtesy of letting their customers know the outcome. 

I have paid my Amex bill on time and in full at every billing period, and they should have no right to inspect my checking account because of a completely honest mistake of using the card with XXXX. ( Who knows this!?! ) In particular - the woman who handled this miserable process - her name was XXXX. That was all the info she would give me. I wished to report her personally as she was the rudest, most unhelpful employee of a business that essentially is there to serve ME ( and the rest of their customers ). She humiliated me and talked to me like a child.

It was either submit myself to this awful process or have my card closed, which would cause damage to my credit score. Thats extortion. 

Shame on you American Express.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AL
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Credit denial

Complaint:
Another instance where I qualify for this auto loan applied at XXXX XXXX on XX/XX/XXXX and was denied by Capital Auto Finance because there are too many inquiries. Isn't inquiries a part of the car buying process? If too many inquiries due to car buying then Capital One Auto Finance should take the lead and change this policy. This is a flimsy excuse. My present auto is financed through Capital One Auto Finance with a 12 percent interest rate and a {$350.00} monthly payment since XX/XX/XXXX. Capital One Auto Finance in the business to make as much money as possible from the consumers even if they do have good credit. A direct quote from Capital One Auto Finance : There have been too many recent inquiries. Give me a break if that is the only thing they can come up with to deny the application. All these inquiries are from auto dealerships whom all encourages the buyer to fill out the application after assessing income and credit by stating that they finance all types of credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-26
Company: CITIBANK, N.A.
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:
I have a loan with XXXX XXXX, BRNDSRC/CBNA and XXXX ( Original Creditor : XXXX XXXX XXXX ). I have always made my payments on time. As you can see, I have always had a stellar payment record with this company. I tried contacting XXXX XXXX XXXX, XXXX XXXX, BRNDSRC/CBNA and XXXX ( Original Creditor : XXXX XXXX XXXX ) with no successful resolution. There was definitely an error on their part.

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 2020-10-13
Company: U.S. BANCORP
State: PA
Product: Credit card or prepaid card
Sub-product: Government benefit card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
This is a US Bank Visa debit card. I'm forced to use it to collect unemployment in the state of Pennsylvania. My card was frozen by the bank unknowingly. I contacted bank once I realized I couldn't move funds into my normal checking account. Operator said it was because they needed me to verify who I am. I sent selfie and copy of my state ID. I also uploaded my social security card and bank statement to my account. I was told all last week that this process would take 24-48 hours and account would be active again. It's now a new week and my account is still frozen. I spoke to two operators yesterday who claim that the issue has been lifted but the second operator said for some reason he is unable to make my card work again. More waiting and being told to give it another week and keep checking my account and if it's not lifted by next week to call back. My money is being held and each operator just lies and says " wait more days ''. It had gone from 24-48 hours to now check back next week. This is unethical. I have bills to pay and this " bank '' is just saying whatever they want to get you off the phone. Long wait times ( 1-2 hours ) to speak to someone. Sometimes while on hold for over an hour they disconnect the call. Once you do get through its a game of telling you lies to get you off the phone. No one has any ability to do anything for you. 

This all started on XX/XX/XXXX. Amount in account is {$280.00} with another {$210.00} being deposited tomorrow. I'm reading online reviews from others that they are dealing with the same situation for 30-45 days. I do not have a month worth of time to not have access to my money. The information they requested was sent. I did my part but they are purposely not doing they part. This is fraud.

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 2018-11-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Funds not handled or disbursed as instructed

Complaint:
On XX/XX/18, I initiated an instant transfer from XXXX to my Checking Account with Capital One 360 in the amount of {$700.00}. This transaction, as intended, posts instantly. The funds were in my account on the day of XX/XX/2018. 

Upon reviewing my account and preparing to pay rent, the funds are no longer in my account. On XX/XX/18, I contact XXXX to investigate. XXXX informs me the money was in fact deposited into my Capital One 360 account. I immediately contact Capital One 360 and speak with a manager ( XXXX? ) who was not helpful. He never offered the ability to investigate and he could not see the transfer on his end, either. On XX/XX/18, XXXX sends me an email with detailed transaction information that should assist my bank in locating the missing funds. I contact my bank on XX/XX/XXXX and speak with a representative ( name? ) and provide her the details. She places me on hold, and after 20 minutes, the call disconnects. I call back and speak with a manager named  XXXX. XXXX begins to file an investigation request. Upon learning that the transaction would have posted as an " original credit transaction '' and not an ACH transaction, she is no longer able to submit the form to investigate and I will " have to send them a detailed email with the facts and someone should get back to me within ten days. '' I submitted the email on XX/XX/18 and do not expect to receive a response. I have had to utilize their email in the past to communicate and have yet to receive a response regarding any of my past grievances. 

So now, XXXX can not take responsibility because their records show the money successfully arrived in my account. My bank, Capital One 360, will not take responsibility nor can they investigate the transaction. Now I have late on rent and will be assessed a {$180.00} late fee as a result.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-03-08
Company: SELECT PORTFOLIO SERVICING, INC.
State: TX
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
I contacted my lender because I felt the statement they sent me was not accurate. I applied for a loan modification and was denied because the investor said there were no options available because it was a " business '' decision. I offered to put {$14000.00} down but it was rejected because it did not fully reinstate the loan. I don't believe I owe what they say and I feel like they are overcharging me. My loan is now in foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: JPMORGAN CHASE & CO.
State: NY
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
The company was unable to give me a solution to problem, and have taking out {$1000.00} for a loan which I ask them, on XXXX I call and ask chase auto loan what is their solution to my car that had been hit, and left me out of work for 3 months now, and I'm still recovering form the accident, and they refused to find me an alternative instead they leave me n hold for a long period of time, and I call many time after that, and they refused to give me an alternative. they reason I want an solution cause my income have been depleted because of them taking money out, and I'm very behind in some of bill. the chase customer service are nasty and hand up on me. all I want is fair solution because i'm only receiving worker compensation, and they only want to raised the price on me

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Medical Business Bureau
State: IL
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
On XX/XX/XXXX, I requested a copy of my report. I noticed a collection from Medical Business Bureau for {$250.00}. On XX/XX/XXXX I submitted a request for debt validation as I have no recollection of doing business with them or the original creditor, XXXX XXXX XXXX. I waited 30 days for the validation and after not receiving the requested documents, I submitted another letter on XX/XX/XXXX. As  of XX/XX/XXXX, I have not received the requested documents from Medical Business Bureau.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-10-20
Company: Experian Information Solutions Inc.
State: FL
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:
Received phone calls last week on persons trying to open accounts under my name with XXXX and XXXX.realized only today an account was opened with XXXX XXXXXXXX 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 2018-11-03
Company: Exeter Finance Corp.
State: FL
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:
I was checking my credit report i've seen a lot of hard inquiries, on my report which i did not make on my own. I think they may have been fraudulent, i want them to be removed as soon as possible. Thank you. XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX, XX/XX/XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-11-03
Company: Experian Information Solutions Inc.
State: IL
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 notified XXXX, Experian, and XXXX of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.

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 2018-10-20
Company: Ability Recovery Services, LLC
State: PA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Made a formal statement with Ability Recovery Services LLC on XX/XX/2018. Explaining to them that I was XXXX at the XXXX XXXX XXXX in and around the time these services were provided. I asked for proof of a itemize bill. The debt collector refused to send it to me. After calling numerous times they finally agreed to send me a bill. Instead of sending the itemized bill they sent one of their cover letters with an attached payment slip at the bottom of paper.

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 2018-07-12
Company: Experian Information Solutions Inc.
State: NJ
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:
ask the three credit major credit reporting agencies XXXX, XXXX XXXX, experian to remove negative remarks and inquies from my credit report since XX/XX/2018 of this year sent 4 rounds of letters

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 2018-11-03
Company: JPMORGAN CHASE & CO.
State: IL
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:
I applied for the Chase XXXX premier rewards XXXX XXXX Mastercard around XX/XX/2018. After talking to a lending specialist on the phone the day after, and getting fully verified ( due to a fraud alert that is on my credit report ), I was approved for this card with a {$12000.00} credit limit. Everything was good, until I notice my card got declined when I was making a {$3.00} coffee purchase on XX/XX/2018. I immediately logged into my account, and notice that this account was stated as closed. After contacting the phone number on the back of my card, inquiring about what is going on with this card, they told me that they have no idea why the account has been closed ( no notes on the account ), however, the account was closed on XX/XX/2018 ( one day after the {$89.00} annual fee was posted ), a letter has been sent out, and a phone number I could call : XXXX ext. XXXX. 
There is a credit card agreement between JPMorgan Chase and the card holder. I have not violated any of the terms in that agreement. My credit standing/score is still as good as the time I applied for the card, with no sudden negative change, that might be deemed risky on Chase 's side. At this point what has happened is not credit-related ( therefore, violation of the fair credit reporting act ), and a case of discrimination. If chase did not want to do business with me ( I am a chase private client by the way ), they should have just declined my application with no credit pull stating exactly that fact as their reason. Doing this was well within their rights as a business, and I would have understood. However, if they have let me apply for a card, done a XXXX hard pull, approved me based on my credit, and then, all of a sudden, out of nowhere, my account has been closed by a secret department in Arizona for reasons that are unrelated to my credit, is ludicrous beyond belief, and a case of discrimination ... As a chase private client, I am really disappointed in how chase is conducting its business, and would like to request my credit card account to be reinstated immediately.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-08-20
Company: Nationwide Recovery Systems, Ltd
State: VA
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I received several calls in the last few days from XXXX ( XXXX, TX ) which came up as " Possible Scam ''. After seeing the same number repeatedly I answered it today. It was National Recovery Systems and they wanted to speak to XXXX XXXX XXXX ( but they had my phone number instead of his! ). I explained that he wasn't available and asked if I could take a message. They asked who I am and I said his spouse. He then asked me to confirm my husband 's birthdate which he gave to me. Since he already had it, I confirmed the date. He then said since I confirmed it he could now talk to me. ( He did not ask for my husband 's permission! ) He said this is a dept collection service and he referenced a debt of {$210.00} to XXXX ( medical providers ) from 2015. I said I had no idea why he was calling since I had already been through 2 credit collection agencies ( the most recent was XXXX XXXX ) regarding that {$210.00} and that neither could provide any documentation that showed I owed that debt. It had already been sent to the credit report agencies as a bad debt. I made that request for information by letter and stated that if they were unable to provide such documentation, they should remove it from our credit reports. I eventually received a letter that said they could not verify it and would remove it. ( The credit reporting agency finally, after reviewing my documentation, removed it -- XXXX did nothing. ) He put me to his manager who " could give me more information about the debt '' which had only come to them yesterday -- really?! ). When I started telling the manager that this matter was resolved months ago and furthermore, I didn't believe a debt that old could be pursued, he hung up on me. I have never before been told we owed any debt to XXXX and we have been using those facilities for many years! We pay our bills and always on time!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-25
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Delay in processing application

Complaint:
Cant believe having this XXXX Barclay CC for over a year and trying to ask for a simple CC increase is very hard. A+ credit tier with a score of XXXX with establish credit since 1994 and over $ XXXX in limits. XXXX is still needs to pull my credit. Sad business!

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 2018-11-03
Company: Experian Information Solutions Inc.
State: PA
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:
After checking my credit reports, I was alarmed to see that for my XXXX XXXX Credit Card Account, several late payments were reported that are incorrect. I have been very consistent with paying my balances with XXXX XXXX on time every month and have never been late and do not understand how any errors of this magnitude could have been reported that were inaccurate. I have communicated this issue with the creditor by mail on XX/XX/XXXX and have not been able to receive any resolve.

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 2018-11-03
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IL
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 notified XXXX, XXXX, and Transunion of the following collection : XXXX XXXX XXXX for {$250.00} not being validated. On XX/XX/18 I requested that the bureaus conduct an investigation and validate this account as I have been unsuccessful. Neither bureau has been successful in validating the collection but they all continue to report in as a " verified account ''.

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