BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-09-21
Company: ENCORE CAPITAL GROUP INC.
State: GA
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 XXXX XXXX, 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, XXXX XXXX XXXX XXXX, MIDLANDMCM, and XXXX  with no successful resolution. There was definitely an error on their part.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-04-07
Company: Experian Information Solutions 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: Their investigation did not fix an error on your report

Complaint:
I reviewed my Consumer Reports and noticed that I had late payments on accounts that I was never late for. Consumer Reporting Agencies have assumed a vital role and have a responsibility to report Consumer information to the best of their ability with Maximum Accuracy. I have never been late on payments for the accounts : XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00} XXXX XXXX Balance Owed : {$200000.00}

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 2018-08-09
Company: Finkelstein, Kern, Steinberg & Cunningham, PC
State: TN
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:
My name is XXXX XXXX and I have a File Number with Finkelstein, Kern, Steinberg & Cunningham, P.C. The court appointed amount to be paid each month by money order is {$25.00} per month. This company has tried to raise this minimum amount to {$65.00} per month. In my opinion, this company has to ask the Court to raise that amount. I almost had my Car repossessed and have to have basic utilities and Auto Insurance. I have tried to sell my home six times and it was not successful. I have had to change my cell number which is prepaid and is not always in use because of cost I am keeping a file on the amount of times he calls me and what is said. I had to pay my property taxes which were behind so my property would not be seized and sold for property taxes. I have lost my home phone service also. This has been stressful. I will not give him my Bank Account Number at all. He gets a money order for the {$25.00} each month or nothing. I will go back to court with notes and report his abuse. I only have social security to live on. I have had XXXX and XXXX problems with some jobs because of standing on my feet. Some employers do not give you a break regularly. I had to report an employer to the Department of Labor to get 8 hours pay after two months. I worked in Debt Collection and I know they are governed by laws also.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: PENTAGON FEDERAL CREDIT UNION
State: CA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Application denied

Complaint:
I would like to file a complaint against Penfed Credit Union. They are the most unethical and XXXX  company that i have ever dealt with. 
I decided to apply for a credit with them. After submitting my application, a loan officer called me and asked some questions regarding my business and employment. I have a translation business and I am employed full-time as a consultant. He asked me to send him 2 years of tax returns which I did. Last week same person aggressively calls me and states that my income verification is fake and he verified from 3rd sources. He was discriminating, aggressive and unprofessional. He refused to provide any details and refused to connect to supervisor claiming that he is the decision maker and highest person in the company. I called immediately the customer service and spoke with supervisor. He was very friendly and responsive and he offered me to file a complaint regarding the loan officer which i declined. He was able to find out the reason. According to their ''genius '' loan officer my employment is fraudulent as my business a sole proprietor was required to be registered with California Secretary of State and I was required to have an EIN. I explained the supervisor that both statements are incorrect and he told me that i should reconsider the decision and send a letter to them. I sent a detailed explanation letter attaching more supportive documents regarding my income. The next day I called and was informed that they received the email. on XX/XX/2018 I received the letter stating that my application was declined due to same reason. I called and I was connected to some aggressive and unprofessional representative who declined to connect me to supervisor and provide any reason. After spending 40 minutes with them a representative XXXX told me that my tax documents are fake!!!!!!!!!!!!!! I requested him to clarify how were they able to determine that, did they contacted IRS? He said no! I requested him to send me in a written form that penfed determined that my tax documents are fake he refused to do so. He stated that i could never apply with penfed and he confirmed that they did nothing to verify genuineness of my documents. So basing on their assumption Penfed employees insult, discriminate, harm your credit and call you liar. This is the most unethical company in the world. I provided them with written explanation, I was eager to provide more documents to support my application and i even contacted state and Irs to confirm that my arguments were correct but these people refused to help me.

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 2020-07-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
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:
So I applied for the capital one savor card with no annual fee and the reward was spend {$500.00} within the first 3 months and get {$250.00} cash back I spent the XXXX like in 2 months and once it hit the 4 month I never got anything because I wasn't eligible which makes no sense that I spend $ XXXXwithin 2 months and it's been 6 months and I still haven't gotten anything

Company response to consumer: Closed with explanation
Consumer complaint received 2018-07-17
Company: SELECT PORTFOLIO SERVICING, INC.
State: CA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
Select Portfolio Servicing , Inc . 
Loss Drafts Department XXXX. XXXX XXXX XXXX, OH XXXX I am getting the runaround from the Loss Drafts Department at Select Portfolio Servicing. We had a fire back in XX/XX/XXXX. The total amount of the claim was {$160000.00}. The first two payments were made relatively quickly. The last payment was delayed a bit but not too bad. I requested the final inspection on XX/XX/XXXX. This is the inspection that shows the insurance related work has been completed. I was told that someone would contact me within 6 business days to schedule the final inspection. It is XX/XX/XXXX and I have still not been contacted. I spoke with SPS as well as the company who handles disbursements and the inspection scheduling, XXXX, and was assured I would be contacted. In the meantime, the work is done. They are sitting on {$25000.00} which is owed to the contractor, and I shudder to think how long it will take for them to send me the check for the hold back depreciation, once the insurance company sends that to SPS. 

It is now XX/XX/XXXX, 1920 business days have passed, and I have yet to be contacted by anyone. I was told on Tuesday, XX/XX/XXXX, that I would be contacted within 72 hours. It didnt happen. 

This is outrageous. The work on my house is complete. Im getting invoiced by the contractor and I am waiting 20 business days on top of XXXX knows how many more days after that to have the funds released after the inspection has been completed.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-10-16
Company: WELLS FARGO & COMPANY
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Wells Fargo is not supporting or protecting me and my acct. I was the victim of fraudulent charges amounting to approx. {$4200.00}. Wells Fargo was alerted to the problem the same day I was made aware my acct was wiped out. Initial call to bank closed the affected card and identified the transaction and then was given a partial provisional credit while Wells investigated. 10 days later Wells says they are taking back the provisional credit and that they determined the charges appeared valid and closed the case. I called back and re-iterated that these were all fraudulent charges and that they need to be reversed. Wells states there is nothing they can do, they are sorry, and I need to call each individual vendor that made the charges. I even went so far as to do that, and only one reversed a charge ; all the others stated they could do nothing and that I just need to call the bank ( wells ) to make a claim. So Wells is not protecting me, indeed they are seemingly more interested in protecting the criminal. I have been a Wells customer for 30 years and this is how they handle my case. 
On XX/XX/XXXX I was charged 7 various charges totaling {$4100.00} One charge was for a " test entry '' of XXXX cent. followed by 6 out of pattern charges. This should raise a flag (? ) On the same day I made Wells aware, and the above timeline took place. To date i am out all but one of the charges, and Wells is refusing to assist. I also have XXXX  lock and monitoring, and they too will not assist in the identity theft stating that their service which i pay monthly for, doesn't include Debit cards.

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 2018-07-17
Company: DCN Holdings Inc.
State: OH
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
On a two phone line, receiving a daily morning call in from a Florida based company who is acting like a Collection Agency. 

Receiving Call from phone no. XXXX Company Name : XXXX XXXX - XXXX XXXX XXXX XXXX XXXX XXXX FL XXXX website : XXXX ) This company is acting as a Collection Agency,  but when checked with Florida Attorney General office and Florida Office of Financial Regulation, they do not hold valid license to act as an collection agency. 

( 1 ) We have already notified this company to stop calling but they are not stopping.

( 2 ) On XXXX XX/XX/2016, we have already notified this company by Fax ( XXXX ) and by Certified Mail Letter ( # XXXX XXXX XXXX XXXX XXXX ) to stop calling and provide supporting documents and evidence for any claim they have. 

But still this company is keep calling and also sending threatening collection emails.

Company public response: Company can't verify or dispute the facts in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-23
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NV
Product: Checking or savings account
Sub-product: Checking account
Issue: Closing an account
Sub-issue: Funds not received from closed account

Complaint:
Closed my checking and savings around XX/XX/XXXX, they said they would send my final check from closing the accounts within 7-10 days, I have contacted capital one multiple times and get the run around about the check was returned, invalid address, but I get my statement from them at the address listed? We will XXXX  it to you, and nothing. Now they are saying I need to wait to see if someone else cashed it? Another lie! If not then I need to wait 7-10 more days for my money! I am beyond livid!

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-08
Company: CITIBANK, N.A.
State: TX
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
I opened a new Citibank Priority Checking account via a promotional offer over 3 months ago. Based on this promotional offer, after I deposit {$50000.00} new money into my Citi Priority checking account and keep the balance for 60 days, I should receive {$700.00} bonus in my Citi priority checking account. 

I have met all the requirements of this Citibank promotional offer. However, so far I have NOT received the {$700.00} bonus in my Citi priority checking account yet. I request Citibank to post the {$700.00} bonus to my Citi priority checking immediately without any further delay.

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 2018-07-17
Company: CL Holdings LLC
State: TX
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Today contacted XXXX and XXXX on a company called XXXX XXXX XXXX I disputed the company over a year ago with success but today they reinserted it back on my credit report by have another creditor taking over according to my credit report ... they failed to notify me in 5 business days before putting it back on my credit report which is a violation of the FCRA

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-02-08
Company: WELLS FARGO & COMPANY
State: AZ
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
Had lots of issues with my account and overdrafts and 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 explanation
Consumer complaint received 2020-09-10
Company: WELLS FARGO & COMPANY
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Unauthorized use of my credit 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 2020-02-05
Company: JPMORGAN CHASE & CO.
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: Add-on products and services

Complaint:
I bought a flight from XXXX, XXXX to XXXX, Georgia on XXXX XXXX with my chase sapphire preferred credit card. On the date of my departure, XX/XX/XXXX, my flight was delayed over 13 hours due to a mechanical failure of the plane. This caused me to land in XXXX at XXXX on XX/XX/XXXX instead of landing at XXXX. I had planned to drive back to my hometown, but was forced to spend the night in XXXX due to the delay. 
The chase sapphire card says that it will cover up to {$500.00} per night for delayed trips over 13 hours due to a mechanical failure of the plane. 
Chase is refusing to cover my hotel because the hotel was used the night after the delay rather than the night before. I was forced to stay in XXXX for the safety of drivers on the interstate due to the delay of my flight. 

It was very difficult to pay for a hotel after XXXX ( most hotel 's booking systems would not allow us to pay for a room. ) After being turned away from three other hotels, I found a room at the XXXX XXXX  on XXXX XXXX XXXX XXXX for {$350.00} on XXXX at XXXX XXXX. Chase requested various documents for 8 months before telling me that they wouldn't pay for the hotel. I have been talking to chase bank and XXXX ( their third party claim fulfillment company ) since XX/XX/XXXX. Today is XX/XX/XXXX and they have officially told me that they will not pay for the hotel. My eclaimsline claim number was : XXXX

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-05-31
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
I made 2 purchases during the month of XXXX on my Amazon credit card ( Synchrony ) at check out I selected 6 months special financing, specifically NOT 6 months equal payments. When I received my statement it shows those 2 purchases as Equal Pay 0 % APR - 6 months. This isn't the first time Synchrony has miss-applied promotional purchases to my account. In the past, when I contacted them, they were able to correct the system to reflect the correct promotion. This time, I was informed by Account Manager rep XXXX XXXX that their system miss-coded the promotion, but they can not correct it. This miss-coding has direct impact to my payments as it will require larger payments to be applied to the newest purchases first, and not apply my full payments to the previous deferred interest promotions I have on the account. The incorrect equal pay promotions need to be changed to deferred interest with payment as I selected at checkout.

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 2018-07-17
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:
XXXX  is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for

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 2018-07-17
Company: EQUIFAX, 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:
XXXX is reporting information that submitted to be taken off of my report. debt was paid for XXXX credit card and an agreement was made for that account to be taken off my credit report. XXXX is reported as deliquent and it has been paid for

Company response to consumer: Closed with explanation
Consumer complaint received 2020-09-10
Company: Experian Information Solutions Inc.
State: TN
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have  got into the hands of the wrong person.

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 2020-09-10
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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: Was not notified of investigation status or results

Complaint:
On XX/XX/2020 I sent a letter regarding inaccurate and unknown things on my credit report, to this day over 60 days later I have not received a response yet. I feel like I'm being taken advantage of and being ignored of my disputes. Section 611 ( a ) it is plainly stated that a failure to investigate these items within 30 days gives a reason to immediately remove those items on my credit report it has been over 60 days so they should be deleted promptly. I demand these accounts be deleted immediately or i will file for litigation due to the stress you caused me. My information was also impacted by the XXXX data breach and may have got into the hands of the wrong person.

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 2018-08-09
Company: WELLS FARGO & COMPANY
State: PA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
On Wed XX/XX/2018 XXXX authorized a payment of XXXX I only had XXXX in this account. I asked Wells Fargo to stop letting payment come thou when no money is available to payment for the charge. Wells fargo is doing this just to charge account holder XXXX. I have removed my debt from XXXX. This company need to change their policy. I also having a pending payroll check, the company state if a payroll check is pending the company would not charge a fee. that is not true the company is still charging 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 monetary relief
Consumer complaint received 2017-12-25
Company: Experian Information Solutions Inc.
State: CA
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:
There are many mistakes appear in my report without my understanding.

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