BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-25
Company: JPMORGAN CHASE & CO.
State: FL
Product: Credit card
Issue: Advertising and marketing

Complaint:
Applied for a Chase XXXX preferred card online, after submission I was told that my application was pending and I should receive a letter shortly with the decision. 

I called the Chase Reconsideration line and was told that I opened too many credit accounts in the past 24 months. Unfortunately no one was able to tell me the number of accounts that they 're gouging, nor was there any wording in the application that stated they would check the number of accounts opened in the past 24 months.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-25
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
We mailed a copy of the original company 's letter from XXXX request for the original amount owed along with copies of cashed checks for the original amount to Equifax. So the debt was paid in full. But Equifax still shows XXXX XXXX collection agency on my credit report as a collection account even though XXXX XXXX also received copies of the cashed checks and the letter from XXXX showing the original amount as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
I received an email about a CD maturity on XXXX/XXXX/15. I moved out of state. I called on XXXX/XXXX/15 to put in an order to redeem the CD. The rep said he would note the account and it would auto-redeem. I called on XXXX/XXXX/15 to confirm. Rep said no, there are no notes on account and it will not auto redeem. Because I do not have a checking account I need to call back in 15 minutes to talk to CD department. I called back - that rep said no, I need to call back in 45 minutes to talk to the branch. I asked for a supervisor. He told me I needed to make my XXXX call about this CD and call the branch. I asked for his supervisor. He said he could have a department call me back within 3 days. I asked to speak to his supervisor again or XXXX XXXX 's office ... he put me on hold ( for an eternity ) and came back on the line to inform me that someone could call me back today. I am XXXX phone calls into a simple CD redemption and still do not have confirmation the CD will be redeemed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-24
Company: CCS Financial Services, Inc.
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
The collection has been paid in full. I was sent a " settlement notice '' via mail and paid it in full. On my credit report it reflects open and also with an incorrect ( the original collection amount. )

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-20
Company: EQUIFAX, INC.
State: OH
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:
On XX/XX/XXXX, I contacted Equifax with the attached letter, to notify them that XXXX XXXX, is being reported incorrectly. On XX/XX/XXXX, I received a mailing attached as Equifax refusal ( which claimed to be from XX/XX/XXXX, although I believe it may have been sent after 30 days ), stating that my request was " not specific '' enough, although a copy of the motion from XXXX XXXX XXXX attorney was included. The error is in regard to a {$110.00} filing fee for a fruitless lawsuit from XX/XX/XXXX, in XXXX County Municipal Court, which was dismissed at XXXX XXXX XXXX request by the Court. Please see the attached motion. I have tried to correct the error with both XXXX XXXX and XXXX XXXX XXXX Attorney, who responded on XX/XX/XXXX, with no later response in regard to this error. XXXX XXXX, refuses to produce a contract, or agreement to pay. There should be no doubt that the error is being overlooked, XXXX XXXX is providing false information, and Equifax, has material evidence which is more than sufficient.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Lowe 's Consumer Credit/Synchrony Bank intentionally causes payment difficulties and refuses to acknowledge their failures. I repeatedly attempted to pay my Lowe 's Consumer Credit Card via their automatic system and it failed each month until I finally just paid it off in person. I perceive through my interaction with their customer service that this is a systematic attempt to create circumstances which will result in fees or interest 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 non-monetary relief
Consumer complaint received 2016-07-06
Company: Worldwide Processing Group, LLC
State: CA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
recieved phone calls to my cell and job i called the number back they gave me the name of thier company said they were a pre trail company trying to collect a debt i asked which company he first said XXXX access processing then said thier was XXXX i asked for verifaction of all original i recieved an email giving me XXXX companies XXXX of which i knew and had paid back already about XXXX XXXX yrs ago the other i did not know then he started saying different companie names and i told them they were already paid except XXXX again i didnt reconize he said he couldnt do further looking unless i agreed to pay i told him unless i recieved something showing prove that this debt was owed i wasnt going to agree to something he said well i will have to try and see but i am not making any promises that they will not proceed and you be arrested and hung up they have also been harrashing me at my job on my job phone number even told my co worker about this

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: SC
Product: Credit card
Issue: Payoff process

Complaint:
While I was working part-time between XX/XX/XXXX and XX/XX/XXXX, I began receiving numerous credit card offers from Capital One. Even though Capital One knew I was struggling financially at the time, they continued to mail offers. Obviously I was unable to pay them at the time ; however, when I began working full-time, I contacted Capital One to settle all of my accounts. I was assured this would not negatively affect my credit reports and scores. I am in the process of trying to get pre-approved for a mortgage and during that process realized Capital One in fact has reported all of these accounts as negative items on my reports. I have attempted to have these items removed by disputing through the credit bureaus with no luck. I find that it is poor practice on Capital One 's part to prey on those who are struggling and introduce them to a cycle of debt. While they are still reporting these items as negative on my credit reports, they continue to mail credit card offers to me. They clearly do not care about the consumer. It is not fair that they are allowed to report negative items on my credit report yet they continue to send me credit card offers multiple times. I ask that Capital One delete all of the negative items with all XXXX credit reporting bureaus ( XXXX, XXXX, and XXXX ).

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Transaction issue

Complaint:
I closed my Barclay 's Bank XXXX in XXXX of XXXX. In XXXX XXXX they permitted a recurring charge to post to this closed account. I have refused to pay the charged amount on the simple premise that the day I closed the account was the day I no longer was in agreement with the terms of service. Since I am no longer in agreement with the term of service, I am under no obligation to pay a change that was permitted to post 6 months after account closure. Barclay 's failure to rectify their mistake has now escalated to the credit reporting agencies and is impacting my previously pristine credit rating.

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 2015-04-27
Company: Retention Consulting Services Inc.
State: OR
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Company called named Regency Capital corporation. 
XXXX XXXX called saying he has been obtained to deliver legal documents no later than XXXX on Wed, that will require my signature. He stated the county requires he deliver these documents to my residents and if I was not there they will go to my place of employment for signature. They stated I will need identification for there purposes. 

I called the company back. The company said they were not a debt collector but they still said I could pay them in order to stop the thing from escalating. I never received anything before from this company stating I owed them money. 

I asked for them to send me something in the mail that stated what I owed and why. He kept asking me for an email, and did not want to send anything in the mail. I finally got him to take my address. at which point he said he would send me a letter. 

I then asked him for his address. He asked me what I needed it for. I told him it was to send a validation letter. He said they do n't give out there address over the phone and that it would be on whatever they mailed to me. I was persistent and kept asking for it. Eventually he almost whispered it to me over the phone. 

I couple of things to note. He said they were going to sue me if I did n't pay. I believe this is threatening legal action. which I do n't believe is legal. 

They never stated they were a debt collector, yet would still take my money if I had agreed. They are also threatening to come to my work, which I hope is not legal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
CapitalOne sent us a text/email reminder at the same time about a transaction that was attempted to be completed on XXXX of the authorized users " cards ''. The problem with this the authorized users on my account do n't have a card. We even asked the specialist on the phone to confirm this information. Once we received this information we asked the employee how is it possible for someone to use this card if XXXX does n't exist ( XXXX card numbers are different for each XXXX ). They then began to explain that the information could have been used online without a card being there. Although this did n't answer the question due to the fact that the information for this card number does n't exist anywhere but within their own services and systems. They were unable to explain how this information could have been received or taken. This could only lead to XXXX overall situation and that 's the information was taken from them due to no other individuals having this information. This is a serious breach of privacy and most importantly credit damaging information. How can we let a company continue that does n't protect their customers and has continue to how their incompetence to the situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: ID
Product: Credit card
Issue: Other

Complaint:
I applied for a rental home from XXXX XXXX XXXX. I was contacted by XXXX and she said that she would not rent to me because of my non-employment status and she did not consider my lawful verifiable source income to be reliable. I disputed the credit check charge with Capital One and on XXXX XXXX sent my complete application with my personal and private information to Capital One to reapply this charge. I meet all the requirements in order to be approved and XXXX XXXX XXXX discriminated against me as defined by fair housing act of XX/XX/XXXX. Capital One will reapply the charge within XXXX billing statements.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
XXXX shows the XXXX accounts in a negative position - it is not true, and I need to remove the XXXX from collections account on XXXX credit reports. Look for attachments from XXXX credit report - even XXXX have written that XXXX the account closed and paid in full. I demand to remove these XXXX accounts of my report on XXXX system. Only on XXXX has these. Please help me Immediately clean my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-20
Company: Paypal Holdings, Inc
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Pay Pal gave me an unauthorized line of credit and is now saying that I have a negative balance. I have never asked Pay Pal for any line of credit, nor do I want one.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: WELLS FARGO & COMPANY
State: DE
Product: Mortgage
Sub-product: VA mortgage
Issue: Credit decision / Underwriting

Complaint:
We were 2 1/2 hours from closing when we got a call saying our loan has been denied. We have been working with Wells Fargo for 7 months to secure this mortgage. We have XXXX commitment letters, inspections, appraisals and XXXX closing Disclosures. XXXX times we thought we were closing, Wells Fargo would call us on a Friday Evening with the bad news they wanted more documentation and we would not be closing the next Monday. We have moved over half our possessions into storage, we have given our landlord notice and the utilities on the for our new house are in our name. Because of Wells Fargo 's inability process anything in a timely manner My family will be homeless in three weeks. What has changed? I 'm told my dept ratio is too high for a coupe of months in the year. They are incapable of understanding that a seasonal part time job has a fluctuating pay check. I have XXXX incomes my primary income is working for the same transit property for 17 years. My second income is XXXX from the XXXX Since the first approval letter my dept ratio has improved and my credit score has gone up. Why did it take them 7 months to make a decision???

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 2016-10-08
Company: SYNCHRONY FINANCIAL
State: FL
Product: Consumer Loan
Sub-product: Personal line of credit
Issue: Managing the line of credit

Complaint:
Last year, XXXX, XXXX - XXXX, XXXX, I relocated to XXXX for a XXXX hiatus. In other words, I enrolled in workshops at XXXX and lived temporarily with a family that I used to be an XXXX for years ago while an XXXX at XXXX. My address was XXXX XXXX, XXXX XXXX XXXX XXXX XXXX, XXXX XXXX. 

In XXXX of XXXX, I returned to XXXX to work for the XXXX XXXX XXXX XXXX XXXX. So, as I was shopping for a new car, my banker who ran a credit check for a car loan alerted me that, I was unintentionally remiss in payment for a bill from Walmart under {$50.00} at the time I relocated. And, consequently, I did not receive any bills or correspondence from my Walmart Account ( # .... ) ; I was unintentionally remiss in payment for a bill from Walmart under {$50.00} at the time I relocated. 

So, when I called Synchrony Bank which was the collector for the Walmart debt, I explained myself and offered the new balance of {$170.00} which included late fees from Walmart. 

Synchrony checked my story, and I was told that I did not have to pay the {$170.00} and that my Walmart Credit card would be reinstated. They told me that the delinquency mark would be removed from my Credit Report within ten days. 

However, on XXXX XXXX, XXXX I received a letter from Synchrony Bank, XXXX XXXX XXXX, XXXX, FL XXXX, that my account " was sold to XXXX XXXX XXXX , XXXX, XXXX XXXX XXXX, XXXX XXXX, CA XXXX. 

Since, then I had received multiple calls form XXXX and spoke with several agents there, telling and re-telling my experience with Synchrony countless times, but to no avail. I have a cellphone billing record of these calls to and from both Synchrony and XXXX during the ensuing months. 

Finally, after much misleading information and confusion, I submitted the payment of {$160.00} to XXXX XXXX XXXX , XXXX, ( new Acct # ... ) on XXXX XXXX, XXXX. 

I have written to all XXXX credit reporting agencies ( XXXX is the credit reporting agency that referred me to the XXXX which is where I located CFPB ). 

Nonetheless, as of to date ( XXXX XXXX, XXXX ) there is still a bad mark on my credit score for the past due ( " 8 months '' ) history with the originally, Walmart account. 

Respectfully submitted.

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 2017-01-15
Company: WELLS FARGO & COMPANY
State: TN
Product: Other financial service
Sub-product: Traveler’s/Cashier’s checks
Issue: Lost or stolen check

Complaint:
my account on social security was changed to Wells Fargo account for my XXXX check to go into called Wells Fargo get run around called social security sill run around my check hs not been found as of today XX/XX/2017 this is second check XX/XX/2017 XXXX took all my money from check and returned XXXX illegal gar need my check what all my money return enclosed is letter from the Treasury

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-03
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am lodging a complaint against Wells Fargo. I have tried to modify my loan with them for about three years. I never get follow up I 'm always playing phone tag and they are not helpful at all. This past Sumer they offered a workshop in XXXX NJ, At that time I met with an under writer and they told me they where going to get me into a better mortgage with a traditional loan and a lower interest rate. I was so excited and felt they where really going to help. My trial period began in XXXX but the payment went from XXXX to XXXX. 
I was shocked. They told me it was to get me caught up. A new payment amount will be lower when the trail period ends. To my shock, the new payment only when down XXXXDollars??? Now when trying to get answers there was little information they could offer. 
I stated to them they have to reduce my interest rate in order to get me an affordable payment. I stated I was contacting the CFPB and boy did their ears perk up! 
This was on XXXX/XXXX/15 that I received my new modification and also on XXXX I called them. 
Later that evening a received a call from a customer service rep. concerned about the conversation I had earlier that day. He told me he would get back to me within 5 business days. That never happened!! My paper work from the modification stated that they needthe modification signed and returned within XXXX business days or it could go null and void. 
On XXXX I left XXXX messages XXXX with XXXX XXXX my specialist and with XXXX XXXX XXXX from customer service. I never heard back. Knowing I had a dead line XXXX/XXXX/15. I sighed the modification and mailed it off. Today, XXXX/XXXX/15 I receive a phone call from XXXX. He started the conversation off my saying he had information regarding my loan. I though maybe he worked out a lower interest rate with the underwriter but during the phone call hestopped himself, as if he was reading something, and stated he JUST noticed I returned themodification paperwork and by signing and returning it that must mean I agree to the terms. 
I explained to him I had a deadline and was afraid that the modification would be voided. 
I stated I 'm not happy with my new terms. He got real squarely!!! 

I have been miss lead and miss treated be this bank. They think they helped me myreducing my interest rate from a XXXX to a XXXX rate. Really, that 's all they could do. I think they are really playing games. A friend told me about CFPB and said it was established to help consumers when they feel trapped and no where else to turn. I am going to hopefully be in this house for a long time and would like to pay a more reasonable payment. Being on permanent XXXX hinders our financial situation. I came down with XXXX and our medical bills are through the roof. Along with raising XXXX young children in this difficult financial time, we could use all the help we can.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-20
Company: WELLS FARGO & COMPANY
State: NC
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have Wells Fargo Business Accounts. When I visit my business account the company advertises a Small Business Line of Credit- pre approved for XXXX to XXXX. However, when I applied they only approved XXXX. I would not have applied for XXXX. I have excellent credit and do n't need smaller amount of credit line than XXXX. This resulted in a credit inquiry on my credit report, which will lower my score. Wells Fargo did False Advertising to entice people for loans, but approved much smaller loans that originally promised.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief