BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I get between 4 and 9 calls a day from kohl 's dept store..now their caller id went from kohl 's to XXXX. ..they call from XXXX to all hrs of the evening. ... I am having serious financial problems and am in forclosure..I am doing my best to pay my bills and the constant phone calls cause alot of stress

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Early Warning Services, LLC
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 status incorrect

Complaint:
My name is XXXX XXXX I have not been able to open any banking account do to this early warning system company. I have tried numerious times to get in contact with them to fix problems on my report. Each time i contact them it is a different problem. I have filed or attempted to file disputes claims on each case. when told to fax the information the fax number never works. My main issues is why am i on this system when i owe no money to any of the numerous banks i have tried to open accounts with. When opening these accounts i had financial issues and was uable to fund the accounts at the time so they closed account. thats it. no money owed to any financial institution. They claim that there is not way to get off of their system which up until now i am still not able to open a checking account anywhere. The customer service representives are rude and do not provide help with solutions to fix consumer issues. I cant even get it taken off. This has caused problems in my life not being able to open any account. I was almost successful in getting a account with XXXX XXXX. Account was open i received account numbers and when i went into the bank to fund the account I was told to contact the early warning system. Opening up accounts and not fully funding them is not a crime no against the law. I owe no money to none of these banks and I cant get this negative information off of my consumer report. I am XXXX XXXX XXXX and need a checking account, Please please help me with this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-03-01
Company: Genesis FS Card Services, Inc.
State: PA
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
I applied for this card from a solicited contact from the company saying I was approved. I was approved for a {$700.00} credit limit and was aware of the interest rate when I applied. When looking at the terms, I always scan for the the fees and percentages. With nothing out of the ordinary, I completed the application. I used the card on several occasions and logged on to see my balance and was shocked to see a $ 175 yearly fee added. So my {$700.00} credit limit just became a {$520.00} limit. I contacted the card company and spoke with XXXX # XXXX and was advised that a fee amount was not provided but did say a yearly fee would be applied. Even after being approved for the {$700.00}, I was never told that the fee would be 25 % or {$170.00} or given the right of refusal. XXXX said the fee is determined later after the application. I didnt know until I looked at my account what that fee was. XXXX offered no compromises or rationale as to why I wasnt given the right to stop the application process when a fee was determined. They knew that they were going to be charging the max of 25 % but also they also know that the majority of people would not accept this offer if being up front and honest.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-10-11
Company: PNC Bank N.A.
State: OH
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
We are responding to PNC Bank response on complaint XXXX. We were suppose to get 60 days to respond which is today XXXX. CFPB has closed this complaint on the XXXX day.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-12
Company: TMX Finance LLC
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Title loan
Issue: Vehicle was repossessed or sold the vehicle

Complaint:
I bought a truck from from a gentleman for XXXX dollars then later found out it had a title loan on it from Titlemax. I highered a private XXXX to try and find out more about the situation, on XXXX XXXX, 2022 Titlemax had the truck repossessed along with all of my tools. The truck was not running at the time of purchase and I had been working on in for about a week, hence my tools being in the truck. My investigator notified Titlemax about this and they stated that they would have to get with their highers to get permission to let me get MY property out of the truck. I was notified later that evening that Titlemax authorized me to get my property but I had to drive to the recovery yard to get them, so the next day, XXXX XXXX, 2022 I drove for over an hour to XXXX XXXX XXXX in XXXX, Texas. I arrived at approximately XXXX I explained why I was there and they told me the truck was not there it had already left for auction in XXXX XXXX XXXX Texas XXXX I asked about my tools and property that was in the truck and I was told they didn't have it, I asked if an inventory hand been done before they took the truck which is Texas state law and they had told me no. I was told that I had 10-15 days to dispute any of this but found out that the truck is already at the auction house in XXXX XXXX XXXX Texas and is already being advertised on the XXXX web XXXX stating its value as {$2400.00} dollars, this has all happened in less than two days! I am trying my hardest to prevent this from happening but I seem to be losing this battle!!! I later found out that the loan was for {$1500.00} dollars, my tools and code reader was worth 5 times that!

Company response to consumer: Closed with explanation
Consumer complaint received 2019-02-13
Company: Ability Recovery Services, LLC
State: IN
Product: Debt collection
Sub-product: Medical debt
Issue: Written notification about debt
Sub-issue: Didn't receive notice of right to dispute

Complaint:
I called Account Recovery Services on XX/XX/XXXX to inquire about a Collection Placed on my Credit Report. They told me it was from a XXXX XXXX in XX/XX/XXXX and for a total of {$310.00} They claimed to have sent me a notice about this but I never received anything via mail or phone calls. I was then told they had the wrong phone number, either way I was never given a chance to dispute this and it just came up on my credit report out of nowhere on XX/XX/XXXX They gave me information over the phone but refused to send any actual physical paperwork to me. I'd be willing to pay to clear this up if it is indeed my debt, but I was told I won't be sent any paperwork saying that until I pay. And they will only send it via email and not a physical hard copy. They then wanted credit card payment over the phone right away and I'm not entirely sure this collection is even accurate. 

I've contacted the original facility that Account Recovery Service said this debt is from and they have no records showing any outstanding debt or even a visit from me during this time frame. I also contacted the hospital 's internal and external billing departments and no one shows any recorded visits from XX/XX/XXXX or any past due bills from that time frame

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: PRIMARY RESIDENTIAL MORTGAGE
State: DC
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I received a Pre-Acceleration letter from Primary Residential Mortgage XX/XX/XXXX alleging that a misrepresented assets during the loan process. I called and spoke to XXXX XXXX she advised me to send her bank statements and any supporting documents that would like my situation. I was given instructions from the loan officer to pay off two credit cards XXXX, totaling {$10000.00} I secured the loan on XX/XX/XXXX {$10000.00} was deposited into my checking account on XX/XX/XXXX. I transferred the loan amounts of {$5000.00} to both credit cards. I later closed on my home XX/XX/XXXX. I gave all the documents to PRMI however I was informed that they were not accepted by PRMI. I did not with hold any assets I open an account under the direction of PRMI employees. Now the mortgage company is threatening to take my home. I have a 2nd trust mortgage with another lender XXXX XXXX XXXX and this issue is none existent with the other lender. I feel like I am being harassed from a previous personal matter with an employee of this company. XX/XX/XXXX my mortgage was sold I have had peace with XXXX XXXX for months. As of XXXX XXXX XXXX my loan was sold back to PRMI and the issues has resurface with PRMI and I have received various verbal attacks from this company including the act of threatening to take my home. Since speaking to XXXX XXXX I have call in on three times to pay my mortgage and XXXX has not accepted my payment. I have enclosed the screenshots of XX/XX/XXXX,XX/XX/XXXX,XX/XX/XXXX that shows that I do n't have access to my account to pay my mortgage.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-12-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DC
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:
When I signed up for the secure Capital One card it was advertised to report to all 3 credit bureaus. I have had the service close to 8 months and they only report to XXXX. I called about 3 months after I joined and the representative said sometimes it takes a while but by 6 months I should see it reporting but that still isnt happening. I love the service I am getting with Capital One, I just wish they reported to all 3 credit bureau 's like they advertised.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-24
Company: Upgrade, Inc.
State: UT
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Closing your account
Sub-issue: Can't close your account

Complaint:
I dont remember opening this card and after contacting the company they are refusing to close it! Im not sure if this company is even legit or is a fraud. Please help this 100 % XXXX veteran

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: CITIBANK, N.A.
State: NJ
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 have a credit card with Citi bank with about 65K Thankyou Points in the account. The bank closed my account by mistake and claimed that I requested to closed it. However, I never made that request. Also, I contacted them many times and ask to re-open the account. Each time, the representitive told me they would investigate the case and contact me later. But they never contacted me. Here are some details. 

As the annual fee was posted, I called cumstomer service on about XX/XX/XXXX to inquiry if they had some retention offer to cover the fee. After getting the answer 'no ', I asked if I could get refund if I closed the account. The representitive gave an answer 'yes ' and told me that I could get refund util 37 days later. Then I said I would think about it and hang up. 

About 1 month later ( as the deadline approaching ), I contact Citi bank again through online chat to redeem the Thankyou Points. However, I was told that my account was just closed ( showed closed on XX/XX/XXXX. ). And the reason is that customer requests to close the account. I argued that I was just inquirying the option and never asked to close it. Also, I requested to re-open the account. The representitive told me that a hard inquiry will be pulled. I argued that it was the bank 's mistake, so they can not pull my credit to reopen my account. The representitive also told me that my Thankyou points will expire 60 days after account close. I said I need to think about how to redeem the points and end the chat. 

Several days later, I saw XXXX XXXX XXXX has a bonus of 25 % additional points to redeem the Thankyou Point. So I called Citi bank again, but was told that I can not redeem Thankyou Points to XXXX, as the account was closed. Again, I claimed that that's the bank 's mistake and they should re-open my account. The representitive told me a case was setup, their bankend team will investigate it and contact me later. I said that's not enough, I want to file a complaint. The representitive help to do it and told me the case number. 

However, many days passed, no one contacted me. I had to call the bank again. I asked to escalate the case and insisted to talk to a supervisor. The supervisor told me she could file a case for the backend team to review the phone call record and see if they could re-opne my account without a hard inquiry. And I would get a notification by mail. However, it's more than 10 days. I get nothing and my account is still closed

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 2017-11-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
I have several hard inquires, in which I have never applied for these auto loans. I was not aware that someone used my social until I checked my credit score and seen XXXX inquires that I have n't applied for. XXXX XXXX XXXXXXXX, XXXX XXXX, XXXX XXXX, XXXX XXXX XXXX XXXXXXXX, XXXX XXXX XXXX, capital one auto finance.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-08-02
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:
Not enough information to verify debt : In XX/XX/XXXX, XX/XX/XXXXand XX/XX/2019 I requested an investigation be conducted by the credit bureaus of an alleged debt owed by me. Account # XXXX in the amount of {$810.00}. A proper investigation according to the FAIR CREDIT REPORTING ACT section 609 ( a ) ( 1 ) ( A ) requires verification through the PHYSICAL verification of an original signed consumer contract and not an Electronic or XXXX   verification under which a lot of investigations are being conducted. This software has limitations when it comes to conducting a proper investigation of records. To which I have recieved verified as accurate without recieving the documentation that I have requested which I am entitled to by law.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-07-10
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Closing your account
Sub-issue: Company closed your account

Complaint:
I had an identity theft of over 8K, which left me financially crippled for almost 2 months. I reached out to my creditors and some of them were very helpful and some of them were NOT. Synchrony Bank closed 2 of my accounts, synficantly lowering my credit score. One of which was completely paid in full with a {$4000.00} limit. I ca n't believe they can get away with this. As if my credit had n't taken enough of a hit when I was sent to collection for an enormous debt that was n't even mine!!!

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 2019-08-02
Company: M&T BANK CORPORATION
State: NY
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Overdrafts and overdraft fees

Complaint:
M & T Bank has collected several thousand dollars in overdraft fees from my personal checking account over the course of the year which I find excessive. 

As per the law, the bank could have declined debit and/or POS transactions due to insufficient funds in the account when my bank funds were running low or should have warned me that an overdraft fee would be assessed if I proceeded with the transaction. But instead of this, M & T Bank routinely processed such transactions and charged me an overdraft fee of {$38.00} per transaction, even if the transaction is for only a few dollars. This is designed and intended just to increase overdraft fee revenue. 

This practice is a violation of New Yorks consumer protection laws and also its implied contract of good faith and fair dealing in M & T 's General Deposit Account Agreement.

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 2021-04-15
Company: JPMORGAN CHASE & CO.
State: NJ
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:
I have been a card member with Chase for 10 years. On XX/XX/XXXX, they decided to abruptly close my account. When I called to ask why, they said it was because I had disputed foo many charges. This seems arbitrary to me and I dont understand what basis they have and no one explained it to me. But, if they do have the right to close my card, so be it. What I am complaining about is that Chase charged me an annual membership fee of {$450.00} on XX/XX/XXXX. Today, XX/XX/XXXX, I asked for this fee to be refunded since they ( not I ) decided to close the account. They told me that they would not refund the fee. I think they should provide a refund. I would like this investigated. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2019-06-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: MA
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
Bank of America mortgage broker XXXX XXXX changed the terms of the loan and has not been replying to my email. I was charged a {$870.00} appraisal fee which never happened. The Bank changed the loan terms after we had agreed to the initial terms and signed the application. Attached are both the initial agreed upon terms and terms changed after the initial application

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 2019-08-03
Company: HSBC NORTH AMERICA HOLDINGS INC.
State: NJ
Product: Checking or savings account
Sub-product: Checking account
Issue: Opening an account
Sub-issue: Didn't receive terms that were advertised

Complaint:
HSBC : Account manipulation. 

They're running a promotion for {$750.00} " Welcome Deposit ''. To receive it the customer must make " Direct Deposits totaling at least {$5000.00} into your checking account for 3 consecutive calendar months from the second full calendar month after account opening. '' I applied to open the account on XX/XX/2019. They sat on their hands contriving excuses to delay the opening for two weeks until it was XX/XX/2019 so I wouldn't be eligible to start fufiling the requirements until XX/XX/2019. In the interim, I would've had to have kept a minimum {$75000.00} balance at all times to dodge the $ XXXX/mo maintenance fee. 

Completely deceptive, manipulative ripoff.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-04-15
Company: Paypal Holdings, Inc
State: NC
Product: Money transfer, virtual currency, or money service
Sub-product: Mobile or digital wallet
Issue: Unauthorized transactions or other transaction problem

Complaint:
PayPal closed. Y disputed claim and stated they sent me an email on XX/XX/XXXX to escalate the complaint within 20 days. The e mail was not received in my inbox.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-11-15
Company: ARVEST BANK GROUP, INC.
State: OK
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Deposits and withdrawals

Complaint:
e-mail toXXXX XXXX XXXX Ma'am,

Did I or did I not walk into your branch about two months ago and sign up to have my account statements for XXXX delivered to me via slow mail on paper?  This is the second month I have not gotten my paper statement for last month.  Please fix it. 

I will not ask nicely again.  Nor will I wait for years, as I did with your online mess.  The next time I will take out an ad in the legal section of the XXXX XXXX, the month after that, I will take out a column ad, and the month after that a half-page ad, and the month after that a full page ad.  In each one I will explain to the public that your bank is either incompetent or discriminating against me personally. That your bank has long refused to give me reliable online service, requiring me to repeatedly sign in while going around in circles on the login page - then lied about why, offering up ridiculous IT excuses that don't pass the smell test.  Then when I sign up for paper statements, refuses to send them, making me ask every month. 

Eventually, I'll get inventive and start putting videos about it on XXXX.  I'm going to ask in speculation if this is the XXXX XXXX XXXX XXXX  XXXX XXXX XXXX messing with someone who is not XXXX.  Or entirely XXXX.  Yet. 

I shall also send repeated complaints to the CFPB, citing "your complaint XXXX about Arvest Bank."  Then, when that's all said and done, I'm going to get a lawyer and sue your bank in court, for lawyer's fees and the sheer aggravation of being forced to move my accounts, savings and automatic deposit(s) to another bank.  Because surely I could not trust your bank to facilitate that without causing me significant financial grief.  It would seem to need a court order and sufficient financial penalties for fraud or failure.  After all, you also promised me online service and paper statements. 

If you should think that your bank can mess with me like this and then expect me to be satisfied with "arbitration", please think again. 

Sincerely,
XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation