BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-05-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
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 Monday XX/XX/XXXX, I made a hotel reservation for XX/XX/XXXX - XXXX, XXXX using my Capital One credit card. The cancellation policy merely stated that there was free cancellation prior to XX/XX/XXXX. Due to the Coronavirus pandemic, I cancelled the reservation, and received acknowledgement of the cancellation on Monday XX/XX/XXXX at XXXX XXXX. I did not hear anything further or see my account credited, so I emailed the company on Wednesday XX/XX/XXXX at XXXX XXXX asking " can you please let me know when I can expect to see my account credited ''. On Wednesday XXXX, XXXX at XXXX XXXX, I received an email back that said, in summary, that my cancellation was free of charge and verified, and that due to high cancellation rates and bank limits on the daily refunds, that the processing of my refund would be delayed. This was alarming as it indicated that they were out of money and I might not receive a refund, so I opened a dispute for the charge of {$470.00} with Capital One. After filing the dispute, the company emailed me on Wednesday XX/XX/XXXX at XXXX XXXX saying that they would give me a credit good until XX/XX/XXXX and a promotional code. I replied that a credit wouldn't work for me and let them know that I had disputed the charge. The company responded to the Capital One dispute with only the communications dated the XX/XX/XXXX and charged back my account on XX/XX/XXXX. I followed up per the notification by Capital One and uploaded the detailed email exchanges between myself and the company detailing the original purchase, the cancellation policy listed in the purchase which was the only information provided to me at the time of booking, my request for account credit, their response that it was delayed, and then their final response offering me store credit essentially. These documents were uploaded with the Capital One provided link, had the case number notated on the first page of each document along with a description. There were no options to include comments or explanations, only the document upload. I called Capital One at approximately XXXX XXXX on XX/XX/XXXX to follow up on my case and uploaded documents, and specifically asked if there was anything missing or needed, and was simply told no, that they were processing. At approximately XXXX XXXX on XX/XX/XXXX I received a letter in the mail telling me that the documents lacked all of the previously requested information needed, they closed my dispute, and that I have to work with the merchant.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2020-11-13
Company: CONTRACT CALLERS INC
State: NC
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
Someone called asking me to confirm my identity with my address and last 4 digits of SSN. I asked for her to identify what company she was calling from, and she said something like " corporate accounts '' but wouldn't tell me any other details without confirming my identity. Once I did that she said she was collecting debt from the Illumination Company in Ohio, where I used to live. I do NOT have debt with them - my balance is {$0.00} and was always paid on time. 

The number she called from was XXXX. I am now worried my identity will be compromised.

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 2018-03-12
Company: Coinbase, Inc.
State: NJ
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Managing, opening, or closing your mobile wallet account

Complaint:
With XXXXBTC in my XXXX account, I requested an increase in my daily limit transfer so I could engage in arbitrage. My account was closed in early XX/XX/2018. I emailed them for a reason. They replied that I wasn't XXXX yet. I ( re ) submitted my identification docs to show that I am. They replied that the account was closed for other reasons, that they couldn't disclose. I have asked that my account be reopened but have gotten only emails in reply asking how satisfied I am with the resolution of my case.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: ENCORE CAPITAL GROUP INC.
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My complaint is with XXXX XXXX XXXX. They are trying to obtain an amount different than their correspondence claims. My original correspondence stated I owed them {$540.00} which I agreed to owing. I set up a payment plan with them for {$100.00} a month to be debited from my account after I had already mailed them a {$100.00} money order. Today in the mail I get notice that they will be drawing out another {$100.00} on the XXXX of the month. That will be {$600.00} that I have already paid to them. When I called them about this they stated that I set up the payment arrangement for this payment with a final payment of {$37.00} and change to be taken out in XXXX. I asked her what the additional amount was for because I've already paid them most of the debt they originally said I owed. This rep told me it was for {$86.00} in court costs plus {$4.00} in interest. When I looked back at the notarized copy of what we agreed up, the interest says {$.00} and the court cost line is left blank. According to this paper sent from their office I only owe the debt of {$540.00} I believe this is a violation of the fair debt reporting act in trying to collect more than the original agreed upon amount was. I don't have an issue with paying in full the original amount they gave me but feel it's unfair that they are now trying to tack on this random amount I knew nothing about. It was NEVER on any of the letters they mailed me about my debt. I had another debt with them prior to this one and they were given too much money which took me almost 2 months to be refunded to me. Their debt collection practices need to be looked further into. I don't feel as if I should owe this additional since it was not stated prior. I did tell the representative I will be closing the account they are debiting their payment from and send them the remaining {$47.00} and that will be my final payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: MI
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:
Credit inquiries are showing on my record that I did not authorize. Please see attached letter

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 2018-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
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:
Capital One suddenly blocked my credit, checking and administrative app " XXXX '' from accessing my vital Capital One credit card details in full. Capital One rejected my repeated attempts to reconnect the XXXX system to them. Please resolve and thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: U.S. BANCORP
State: NJ
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:
I applied online for the US Bank Cash Plus credit card in XX/XX/2017, using a sign-up bonus, that I get {$150.00} after spending {$500.00} within 90 days of getting my card. I spent the {$500.00} within the timeframe. I have still not received the {$150.00} bonus. I emailed US Bank to inquire, and they advised me I did not sign up with this bonus, when I used their link online clearly promoting the sign-up bonus. I have attached 2 files - the advertisement from US Bank with the sign-up bonus, and their email to me saying no bonus

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 2021-02-24
Company: CURO Intermediate Holdings
State: VA
Product: Payday loan, title loan, or personal loan
Sub-product: Installment loan
Issue: Charged fees or interest you didn't expect

Complaint:
In XXXX of XXXX I took out a {$700.00} installment loan from speedy cash. I made payments every month for about 6 months and my balance just kept going up. I tried to talk to speedy cash about it but they just told me that there was nothing they could do and I still had to make payments. They even reported wrong on my credit report. The date is listed for XXXX of XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-02
Company: WELLS FARGO & COMPANY
State: IN
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:
On XX/XX/XXXX my husband and daughter were XXXX by a XXXX XXXX that totaled my car. At that time the car payment was current. I was not told that it was my responsibility to contact the car company to report the incident. However, we did contact the insurance on XX/XX/XXXX and started the claims process ( we did not learn of the incident until XX/XX/XXXX ). I received a call from Wells Fargo Dealer Services on XX/XX/XXXX reporting that the payment was 10 days late. I reported to them the incident with the car and my family, and they basically stated they didn't care and they wanted the payment. I reminded them numerous times that the payment was current at the time that the car was totaled. I received calls from them every day, and I eventually had to file a Better Business Bureau complaint, which they then stopped calling. When my husband and I originally took out the loan from Wells Fargo ( XX/XX/XXXX ), we were told that taking GAP insurance coverage was required to get the loan ( XXXX XXXX XXXX XXXX. ) I have received a bill, including late charges, for {$710.00} from Wells Fargo that I do not believe that I owe, as the GAP coverage should have taken care of 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 2018-08-13
Company: Experian Information Solutions Inc.
State: AR
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 made a dispute on All 3 credit reports about a inaccurate item XXXX XXXX XXXX # XXXX this item is not reporting 100 % accurate information. I have asked for a copy of the original signed contract from the credit bureaus and they refused to send my copies for the original signed contract from the creditor which they wont provide, they just keep saying the account is verified well if that's so by law I am obligated to see the original proof of contract that the creditor supposed to have in they flies so that I know that this account is mines and was signed by me XXXX XXXX. they have failed to send me proof about the XXXX XXXX XXXX  account. this information is supposed to be given when I request for it. they need to delete this account is they don't have proof. send me proof of the signed account original contract so I know this belongs to me that I signed for, or delete it .. its a fraudulent account that they reporting

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 2020-07-01
Company: Receivables Performance Management, LLC
State: AZ
Product: Debt collection
Sub-product: Other debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Never receive any paperwork prior to collection / reported on bureau. I went ahead and paid it on XX/XX/XXXX and the collection agency said they would send it for the trade line to be deleted off my credit. I called in on XX/XX/XXXX and spoke with a rep who said they wont remove it. I asked for a supervisor, and spoke to XXXX on XX/XX/XXXX who said give him 72 hours and he would call back after pulling the recording to verify that was what I was told. I never heard back so I called that following Friday, he didnt have the tape still and said he would call me back Monday. Its now XX/XX/XXXX. We keep calling and cant reach him and no one has called back. I want the trade line deleted as promised when I paid. Called today and spoke with XXXX who said I cant help you bye the call wasnt recorded. By law they have to be.

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 2018-08-13
Company: BMO HARRIS BANK NATIONAL ASSOCIATION
State: MO
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Managing the loan or lease
Sub-issue: Problem with fees charged

Complaint:
REFERENCE COMPLAINT XXXX AND COMPLAINT XXXX Additional questions : 1 ) letter dated XX/XX/XXXX states vehicle was placed for sale after repairs were done in XX/XX/XXXX ... ..invoices show repairs done in XXXX ... .which is correct. 

2 ) repairs show a windshield being replaced ... .when was windshield damaged as it was not in need of repair at the time the vehicle was surrendered. 

3 ) you did not have a POA to sign off of the title. How was title signed off? IF, you state that a POA was provided in the contract, please specify paragragh and line providing for that. 

4 ) On the XXXX form issued in the calendar year XXXX, you state that the value of the vehicle was approx. 92k yet in the same year you value the vehicle at XXXX. Please clarify how you can ... .in the same year ... provide 2 different values on the same vehicle. Please explain ... for IRS purposes the difference in these figures. 

5 ) was the XXXX issued actually filed with IRS, I have been told both yes it was and no it was for my information only. 

6 ) since the vehicle sold for more then the loan amount, why was an interest statement not issued to me for XXXX as the proceeds of the sale covered those charges.

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 2020-05-11
Company: EQUIFAX, INC.
State: LA
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:
Equifax and XXXX  are reporting incorrectly that I am ( 30 ) days late on the XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) This account reports a {$0.00} balance and {$0.00} past due. Please keep in mind that it would be impossible to be late on an account with a XXXX dollar balance. This false reporting of lates is seriously harming my credit score and this line item needs to be removed from my credit report. I have contacted the bureaus to remove this however, I have not been successful.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-08-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: NC
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Company closed your account

Complaint:
This is my second complaint against Bank Of America. 
I had enough money in my account to pay my mortgage which was scheduled for the automatic draft, and so when my mortgage company got paid on XX/XX/2018, they then went back and took it back from my mortgage company on XX/XX/2018, electrically telling me it was for lack of funds. I had more than enough money in my account to pay my bills. And it was their job to pay my mortgage. Now I have a hardship, and if I don't pay it by XX/XX/2018, than I will be considered late, and that will go on my record, and if it is not paid by the end of the month, it will be reported to the credit bureau. They never told me they did not pay it, but they informed my mortgage company that they were taking back the funds I had paid 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 2021-10-31
Company: U.S. BANCORP
State: AZ
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:
I have used my US Bank credit card for years for overseas travel. I have followed their explicit instructions to call and document the respective countries I will be visiting. This has always worked very smoothly without any issues. In XXXX, I was in XXXX and the XXXX XXXX XXXX and communicated this information to the bank. 

On XX/XX/2021, my credit card was denied for a {$19.00} taxi ride when I first arrived in the XXXX. I was in the extreme heat, in an unknown place, with a driver who didn't speak English and did not have any cash on me. This was a stressful experience that could of been completed avoided. The bank had intentionally denied my credit card transaction. I don't understand why this would happen if I went through the trouble to document this. I then had to call them overseas incurring long distance charges of {$9.00}. 

I could understand placing a hold on a material dollar transaction, but this was unacceptable.

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 2021-06-24
Company: Paypal Holdings, Inc
State: TN
Product: Money transfer, virtual currency, or money service
Sub-product: Domestic (US) money transfer
Issue: Money was not available when promised

Complaint:
On XX/XX/21 I attempted to transfer {$9200.00} from PayPal into my connected bank account. I got a message that my account was frozen, and that my money might be held for " up to 180 days. '' There was no warning prior to this. To my knowledge I violated no policies. When I immediately started a chat with PayPal support, they said they couldn't tell me why my money was held or when it would be released. Subsequent phone conversations on XX/XX/21, XX/XX/21, and XX/XX/21 with PayPal staff yielded no more information. Meanwhile, I have had zero charge backs or complaints against me. Before this, I have successfully completed tens of thousands of dollars in transactions via PayPal over the past 12 years. 
I need my {$9200.00} released.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-11-24
Company: Consumer Portfolio Services, 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: Account status incorrect

Complaint:
Around XX/XX/XXXX, XXXX-currently, I contacted Consumer Portfolio Services ( CPS ) by phone regarding my situation due to Covid-19. I explained my current financial situation with my hours being cut and experiencing a furlough. This information was explained in its entirety to an upper level manager, who refused to empathize with my situation and provided no resolve for the issue being discussed. I further explored options to notify and file a complaint with the XXXX regarding this incident, the complaint is still active on the XXXX website with no resolve. After a few weeks, I received notification on my credit report regarding the account with CPS and the late/delinquent payment, which continues to affect my personal credit score. I filed a complaint with the credit reporting agencies and this situation is still causing a negative impact on my credit.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-07-01
Company: Experian Information Solutions Inc.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; Experian and XXXX are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.

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 2020-07-01
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TN
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
XXXX  ; XXXX  and Transunion are reporting incorrectly a collection/chargeoff in the amount of {$4100.00} on the XXXX XXXX XXXX partial account number XXXX. ( Please see page attached from my credit report. ) I had a lease with an apartment lease and lived in the unit for the full term of the lease. I provided proper notification well within the time allotted per the lease agreement to vacate and therefore there is no outstanding balance due and nothing to collect and/or chargeoff. I was not aware there were any issues and that this account had gone to collections until I obtained a most recent copy of my credit report. I have contacted the bureaus and XXXX XXXX XXXX to fix this however, I have not been successful. This false reporting of a collection/chargeoff is seriously harming my credit score and this line item needs to be removed.

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