BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-06-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Billing disputes

Complaint:
I have a Neiman Marcus credit card. There have been XXXX occassions when I have made my monthly payment by the due date and received my billing statement indicating that my account is past due. I make my payments using the automated system. The automated system indicates that if you make your monthly payment by XXXX your payment will be posted to your account on that same day and will be considered as being paid on-time. Well on both of the occassions I made my payments way before XXXX and when I got my billing statement it indicated that my payment was past due. I also got a separate notice in the mail indicating that my payment was past due. Neiman Marcus is telling their customers false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-04
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
My credit card from XXXX ( Account number XXXX XXXX XXXX XXXX ) was stolen in XXXX 2011 and reported to the police. I have the police report. I have contacted XXXX and submitted several documents, including the police report and statements from me and my wife, and they have refused to delete the negative information from their records and from Experian. XXXX XXXX and XXXX deleted the information, but Experian will not delete it without XXXX " signing off '' on it. Please help! I 've been trying to get this straightened out for over a year now.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: JPMORGAN CHASE & CO.
State: TN
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Charged too much interest

Complaint:
My XX/XX/22 statement reflected a balance subject to interest ( non-promotional/revolving ) of {$0.00}. My total balance was split between promotions. The statement states in the How to Avoid Interest section : If you pay your account, or Interest Saving Balance, in full each month by the due date you will not get interest. It states that the payments are applied to higher APR balances first. After my XX/XX/22 statement cycled, I paid {$700.00}. I also purchased new revolving merchandise. When my XXXX statement cycled I was billed a {$5.00} interest charge on the unbilled revolving balance. 

I have been advised that there is no grace period on revolving purchases when there is a 0 % APR Balance Transfer on an account. I have been advised that I can not reallocate payments to the revolving balance. I have also been advised that as long as there is a 0 % APR Balance Transfer on an account customers will receive an interest charge on the revolving balance, even if they pay enough to cover what the total was. This seems illegal. There is no way for a customer to save interest charges from compounding unless they pay their Balance Transfer in full ( which has the lowest APR ). Payments are being forced to a 0 % APR balance when there is a higher APR balance. In addition, unbilled revolving purchases are being taken into consideration for interest calculation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-05
Company: Navient Solutions, LLC.
State: AZ
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I was XXXX in XXXX XXXX. This past XXXX, XXXX student loans accepted my Federal XXXX determination and discharged my private student loan ( my doctor also completed their form ) but Navient Student Loans ( previously XXXX XXXX at the time the loan was taken out in XXXX ) has refused. I am still in need of XXXX and can not work full time. I also attended the XXXX XXXX of XXXX. Navient refuses to even consider me for deferment or forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Transaction issue

Complaint:
The available credit on my account with Capital One is down from over XXXX available from yesterday to only XXXX today, XX/XX/XXXX. The attached screen shot shows all transactions both posted and pending, they still do not add up to show difference in available credit. Despite chatting with XXXX different chat reps, both slow/inept with bad English, I am unable to figure out the difference from having over XXXX available yesterday to XXXX today. The reason I am concerned among others is because I had a transaction get declined from XXXX due to low available credit. Also, there appears to be some transaction ( s ) which are not showing as posted or even pending which is cause of the problem. The attached screen shot from today shows all items posted and pending, do not account for difference in available credit

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: SYNCHRONY FINANCIAL
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:
In XXXX, I accepted an offer from Sams club for their Sams Club rewards credit card. The card promised cash back for purchasing items such as gas ( 5 % back ) and restaurants ( 3 % ). By about XX/XX/XXXX, I received an e-mail correspondence from Synchrony Bank, the card issuer, that my accumulated reward balance was {$150.00}. I contacted Sams club and they informed me that the only way to redeem the cash back balance was to travel to a retail Sams club location and present the physical card to the cashier in customer service and a cash disbursement in the amount of the stated reward cash balance would be paid to me. 

On XX/XX/XXXX, I traveled to Sams Club, in XXXX, NY, and presented my card for the {$150.00} cash back redemption and the cashier told me that it was already redeemed sometime in XXXX of XXXX. I was told by the representative that my card would have had to be present in order to receive my cash reward. I told the Sams Club customer service representative that I have not been to any Sams Clubs in XXXX of XXXX and my card never left my possession upon receiving it in the XXXX Mail and that the reward balance was not paid to me. 

While I was still at Sams Club, I contacted Synchrony Bank to try to resolve this issue. The Sams Club representative then verified to the representative at Synchrony Bank that I was not at any Sams Club in XX/XX/XXXX, based on their electronic records. They advised that they thought the card may have been compromised and said they would send a new card to me with a new account number and research where the cash reward of {$150.00} had gone. 

Numerous additional calls to Synchrony Bank on XX/XX/XXXX and XXXX and again on XX/XX/XXXX resulted in Synchrony Bank blaming Sams Club and vice versa. Synchrony Bank stated that they will have an answer by XX/XX/XXXX. After stating to me that a representative would call me back, they never do. 

I then called Synchrony Bank on XX/XX/XXXX, and they had no resolution to my issue and again, Synchrony Bank was blaming Sams Club and vice versa. It was clear to me that after several hours on hold and speaking to countless representatives from Sams Club and Synchrony Bank, over the course of a couple of months, the bank or the Club would not provide a resolution to my issue.

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 2017-01-09
Company: BOK FINANCIAL CORP
State: TX
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
In XX/XX/XXXX, Bank of Texas/Oklahoma failed to pay the full amount due for XXXX Homeowners Insurance. In XX/XX/XXXX, per the third-party-lender Foremost, notification was to sent to the mortgage company requesting the remaining {$290.00} due for the insurance or the insurance would be cancelled. Due to a failure of payment the insurance was cancelled in XX/XX/XXXX. I was never provided any of this information from the insurance company or the mortgage company, until I contacted my insurance company, XXXX, in XXXX. XXXX made contacted with BOK regarding this issue which could not be resolved. Due to the lapse in time without insurance I am unable to get homeowners insurance at this time & will have to resort to the mortgage insurance provided by BOK. I have been trying to resolve the issue of escrow with BOK since before the XX/XX/XXXX. Currently I have {$1700.00} of escrow which was intended to pay Foremost for XXXX ; however, it is now an overpayment as the Mortgage Insurance is less than {$520.00} per year. BOK is refusing to complete an analysis on my account in order to release the escrow funds and lower my monthly payments by approximately {$100.00} per month or more. I have spoken with multiple supervisors & representatives all of which assure me that someone will return my call & be in contact with me. Since XX/XX/XXXX, XXXX people, XXXX of which claim to be supervisors, assured me they would call me back within three days and to date I have yet to hear from a single one. My funds have yet to be released & returned, and they are calling me about past due payments in which they are still charging me in excess for XXXX & XXXX payments. 

Bank of Texas aka Bank of Oklahoma XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-06-02
Company: DISCOVER BANK
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:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
I 'm a victim of identity theft. I have fraud alert on all my XXXX credit bureaus. I disputed all the fraudulent and inaccurate informations. ( 1 ) Transunion credit bureau been giving me hard time and keep reported fraudulent account which are unauthorized inquiries XXXX on XXXX/XXXX/2016 and XXXX/XXXX/2016. XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. XXXX XXXX on XXXX/XXXX/2016. By spending money on certified mail and wasting my time and energy on contacting all the creditors they all agreed after their investigations that all these unauthorized inquiries were fraudulent inquiries to removed from all my XXXX files with documents. Finally Transunion removed these fraudulent inquiries from my file but suddenly reported back in my file on XXXX/XXXX/2016. I called the Transunion agency today XXXX/XXXX/2016 on XXXX EST and I was on hold for more than XXXX minutes before I get disconnected but I called back and someone answer and transfers me to fraud department which they are out of the country in XXXX he was so nasty and non informative and I could n't understand what he was saying. ( 2 ) Transunion insists to report inaccurate information about the account # XXXX XXXX XXXX XXXX for {$520.00} even after I contacted the hospital XXXX/XXXX/2016 and they agreed it was an error and was their mistake and they removed it on XXXX/XXXX/2016. ( 3 ) Transunion still reporting fraudulent account # XXXX XXXX for {$190.00} ( 4 ) Transunion still reporting inaccurate information about account # XXXX. 
Generally Transunion gave and still giving me hard time and caused lots of trouble to my family and I. Transunion doses not care and the employees do n't do the right work. I been dealing with them for the last XXXX month and I spend lots of money to get the fraudulent accounts and inquiries deleted from my files. Transunion agency is not helpful and their customer services are the worst ever. They wast my time, my energy, and my money but I wo n't never give up and I will continue to fight to get everything straighten even if I have to take the to the court. By the way this is the second complaint against Transunion with CFPB

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 2017-03-23
Company: Fidelity National Information Services, Inc. (FNIS)
State: SC
Product: Other financial service
Sub-product: Check cashing
Issue: Customer service/Customer relations

Complaint:
I had to close a checking account due to fraud. Since changing to a new checking account I have had repeated instances of having checks declined by Certegy Check Services. I contacted them for a copy of my file to explain why they were being declined and the file states " This transaction fell outside of the guidelines Certegy has established for authorization ''. I called them and they threw responsibility back on the store - because they just advise. They were not able to give me any reason for the checks being declined. In addition, one check was declined and then a month later approved - same checking account, same person. They did tell me not to let this experience stop me from trying to write checks.

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 2016-12-29
Company: Fidelity National Information Services, Inc. (FNIS)
State: KY
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
I disputed information on my Chexsystems report in XX/XX/2016 and never heard back. A dispute was opened, but I was never able to XXXX the results and they never made contact with me after initiating the disputes. The incorrect information remains on my record, with no way to remove or edit or even dispute any information. I have submitted the same disputes on the XX/XX/2016 via certified letter and will continue to try to get a response from Chexsystems.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-04-18
Company: Experian Information Solutions Inc.
State: IL
Product: Debt collection
Sub-product: Credit card debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I have included a police report to the credit bureau Experian and that are continuously reporting 2 accounts that are results of identity theft. One is portfolio recovery. Original creditor is XXXX XXXX  XXXX XXXX, another is XXXX XXXX and lastly XXXX. XXXX ( XXXX creditor is XXXX XXXX XXXX ). I spoke to an agent at experian and looked into the consumer rights and laws of the FCRA and found that these items should be removed because experian has NEVER provided me with hard proof of how theyre determining that these are my accounts. Ive already submitted a police report to prove that Ive been a victim of identity theft.

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 2015-03-24
Company: Accounts Receivable Services
State: MN
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Reliance Recoveries ( XXXX XXXX XXXX XXXX, XXXX XXXX, MN XXXX ) has attempted to collect on debt that I do no own. I provided proof that I paid it. They ignored the paperwork. I then requested that they verify the debt. They failed to provide anything. They have told me over the phone that they have ceased collection. However, they will not provide written notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-23
Company: Movement Mortgage LLC
State: NC
Product: Mortgage
Sub-product: FHA mortgage
Issue: Settlement process and costs

Complaint:
I have a family friend that I used as a cosigner/coborrower. 
Movement Mortgage still put us as married despite me telling them numerous times AND sending in signed documentation/letter saying we were not married. 
Now my deed/title to the house says we are married -- which btw I never received a copy of -- I only found this out because I 'm in the middle of a refinance!!! 
Movement Mortgage got bought out XXXX. This is just a huge mess!!!!!!

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 2015-12-15
Company: Northland Group Inc
State: TX
Product: Debt collection
Sub-product: Auto
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
My deficiency debt from XXXX was assigned to a debt collection agency, Northland Group inc . The amount was raised over {$3000.00} without any proof of the interest rate or fees from the original contract. I spoke with Northland Group initially and tried to settle this debt but have not been able to maintain any sort of communication with them. I have called multiple times and am told that someone will follow up on this case and call me back. I have also sent email correspondence on these dates ; XXXX XXXX 2015 XXXX XXXX 2015 XXXX XXXX 2015 I have reached out to the creditor, who still holds this debt, multiple times and have not received a single phone call, letter or email. I simply want to take care of this debt and both the creditor and the collection agency has made it near impossible to settle this debt. 

Since this has been such a hassle I would like to also explore the avenue of the collection agency charging unwarranted fees and interest, as the original contract was deemed null and void upon repossession of the vehicle.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-21
Company: Fidelity National Information Services, Inc. (FNIS)
State: TX
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
XXXX XXXX processed a hard inquiry on my Chexsystems report without my permission then proceeded to add a negative and fraudulent account to them. I disputed XXXX XXXX with Chexsystems.

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 2020-12-30
Company: DISCOVER BANK
State: FL
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 was having financial troubles as part of the aftermath of Hurricane Irma back in XXXX. During that time Ive dealt with making a plan to try and catch up. I explained various times what was happening to me and they worked with me. Moving forward to XXXX, I was laid off Of work due to Covid-19 in XX/XX/XXXX. I informed all the companies I had bills with of the situation. I was then rehired in mid XXXX. Fast forward to today, XX/XX/XXXX, Discover credit card without notice decided to close my account with them. I had spoken to an agent on XX/XX/XXXX to strike a deal and plan to get current by tomorrow. XX/XX/XXXX XXXX. It appears my request was ignored or denied without notice. Whatever you do, dont apply to Discover Card.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-02
Company: PENTAGON FEDERAL CREDIT UNION
State: DC
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
I wanted to report fraud on my account and dispute these transactions all transactions with the merchant XXXX XXXX XXXX XXXX XXXX XXXX '' and " XXXX XXXX' every single transaction under those XXXX merchants is fraud and unauthorized transactions I call to try to get them to dispute customer service and fraud department they were not assisting me and didn't add all charges as of right now I don't have my card I'm assuming it's lost I attach photos of each transaction that's fraud XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2022-06-02
Company: CITIBANK, N.A.
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:
This company has been calling my phone non-stop over the last several weeks, presumably about a debt to collect. They refuse to tell me specifically what the calls are about other than a personal business matter. I have made it VERY clear to them that we have no business if they cant provide further details. I want the harassment to stop. Calls always come while I am at work, wasting my time, and my customers time.

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 2015-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
To whom this may concern, I applied for a credit card with Capital One XXXX XXXX XXXX and was turned down on XXXX/XXXX/2015 and a few months back. The attended asked me if I kept a balance on my credit cards and when I said No. She told me I was turned down although I have excellent credit. Further, I received a offer from the Capitol One XXXX Reservation : XXXX, Access Code XXXX. I called this XXXX to apply. Please help

Company response to consumer: Closed with non-monetary relief