BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2020-08-17
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Getting a credit card
Sub-issue: Sent card you never applied for

Complaint:
On XX/XX/2020 I downloaded the Belk.com app on my cell phone to make making payments more convenient. When I entered my information the app told me what I entered was invalid. I knew it was not because I use the same information to log into the website both on my phone and on my laptop. I clicked the 'forgot user name/ password ' option and the app asked me for my name and phone number. When I provided JUST my name and phone numnber, the app immediately logged me in and informed me that I have been approved for a Mastercard. I DID NOT apply for a new credit card. 
I am in the middle of refinancing my home and know not to open any new accounts, only pay off what I have. I tried to contact Belk Reward Credit Services at XXXX and the representative I spoke with informed me that I purposefully applied for the account because I would have had to put in a Social Security Number in order to apply. I told the customer service representative I never applied for the card, I already have a Belk credit card, and I do not want another credit card due to my pending mortgage refinance. I told the representative I wanted to cancel the card to which she informed me my credit would be effected negatively again for closing the account. The representative tried to tell me all of the perks of having this new MasterCard version of the Belk card, but I told her I was not interested so I ended the call with no solution. Since I was in the Belk store at that time I found and spoke to a manager in the department store and was told that the Belk MasterCard is pre-programmed to approve current customers without the customers approval or their knowledge until it has already been processed. The manager also informed me that the new Belk MasterCard is  supposed to automatically replace any existing Belk credit cards unless the customer calls in and specifically requests this action not take place. 

The Belk card I currently have can only be used in a Belk department store or on the Belk.com website where as the new Belk MasterCard can not only be used in any Belk department store and Belk.com, but anywhere MasterCard is accepted. I DO NOT want this credit card, I never requested a new card of any kind. This was a very deceitful action made by both Belk and MasterCard to their customers. Other customers also need to be made aware of this issue so this does not happen to others. 

I would like the Belk MasterCard to be taken off my credit entirely and my score restored to what it was before the inquiry, as if it never happened.

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 2020-08-17
Company: EOS Holdings, Inc.
State: MD
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
In XX/XX/XXXX I took a position overseas in XXXX XXXX with the XXXX XXXX. I disconnected my cable service, turned in the equipment and settled my final bill because I was going to be gone for a minimum of 2 years. 

After I returned to the states in XX/XX/XXXX and wanted to reconnect my cable service, I was told I owed $ XXXX which is now {$190.00}. I refused to pay it because I had a {$0.00} balance when I left. I have no receipt of payment. My extensive credit report shows that I have never been late or had any negative report on my credit report yet the credit bureaus and XXXX refuse to correct the error and almost yearly ding my credit report and bring my score down as well as cause tremendous stress. 

The account is currently in collections and as recent as yesterday have ding my credit report again. I refuse to pay this bill because I simply was out of the Country working for the XXXX XXXX during the period when I allegedly owed the bill. They are also very aware that the account was disconnected in XXXX XXXX which is consistent with the XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-14
Company: FIDELITY CAPITAL HOLDINGS, INC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Credit monitoring or identity theft protection services
Sub-issue: Didn't receive services that were advertised

Complaint:
Thos account was sold to me as a 0.01 % processing charge. This charge would be made on every credit card transaction that I made using any credit card. The service was also sold as a $ 0 monthly fee with no minimum cards process per month. There were no hidden charges. The only thing I would be charged would be 0.01 % and that would be for a month to month service and a {$0.00} cancelation fees. The sales representative clearly marked 0.01 % on all pages on the contract. Ther sales rep also crossed off any sections that did not apply to what he was selling ( 0.01 % processing ) the rep also crossed off the cancelation fee and put {$0.00} showing there was no cancellation fees or charge. If I was not satisfied I could cancel without any hassles. After receiving the equipment in the mail and using the processor for a few test runs over 1 month. I noticed I had minimum charges on my bank account for random amounts of {$50.00} to {$75.00}. Also notice the transaction fees were about 0.06 % - 0.08 % not what was advertised by the rep of 0.01 %. After contacting the company and advising them that I would be canceling the service. I was told their sales representatives are liked " used car salesman '' and they say whatever they can say to get the contract signed.O I advised this was fraudulent and inwould not pay. Ibwas told they had very clevar salesman techniques. I was also told I could settle my account for a minimum of {$2000.00} which I refused to. I was also told I could then settle my account for a minimum of {$1000.00} which I also refused to. The account representatives told me they would just send me to the collection and eventually they will get some type of funds from me. The name of this company was XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX TX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-02-21
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: CO
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:
USAA attempted to re-insert a credit line. I had it blocked again. USAA continues lies. 
I will be making a complaint for every interaction for now on and if they use the copy paste response i will make another complaint for not even XXXX looking.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: DISCOVER BANK
State: WA
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:
In XXXX, XXXX I contacted Discover about goods/services never received that I'd paid for using Discover. I stated I'd never placed a dispute before and didn't know what to do. The agent subsequently pushed disputes through for these charges : XX/XX/XXXX : {$3500.00} XX/XX/XXXX : {$6800.00} XX/XX/XXXX : {$10000.00} The Merchant received confirmation of the disputes and promptly called me freaking out and said he would be suing me if I didn't overturn the disputes. I contacted Discover and asked for help - asked specifically if the disputes could be put on hold or what my recourse could be if he didn't follow through with completing the work on my house. Payments were for installation of windows, a back door, and new siding on my home. Discover overturned the disputes when the Merchant said he would complete the work, and I never heard from him again. I contacted Discover again to note that he hadn't come to do the work and I'd subsequently received a notice in XX/XX/XXXX of him intending to file for bankruptcy. Discover has repeatedly said there's nothing they can do to help me and there's no way to dispute a charge a second time. I am under the impression they could do a chargeback, but they are stating that isn't possible and even though I've provided documentation the work wasn't ever completed and an email from the Merchant directly stating he won't be doing the work on my home - they are still maintaining there's nothing they can do. 

It was never communicated to me that I would not be able to dispute these charges again. 

In total, I paid $ XXXX to this Merchant, XXXX of it with Discover. Discover has blatantly refused to help. ADDITIONALLY - Discover  has now deleted some evidence from my account of messages I sent stating specifically I'd never disputed anything before and didn't know what the process was. They are falsifying evidence to support their refusal to process the disputes.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: U.S. BANCORP
State: CO
Product: Credit card
Issue: Overlimit fee

Complaint:
I got charged {$39.00} for over the limit charge. I did n't signup for over the limit protection & do n't want over the limit protection. When i called the credit card company they say I do n't have a choice in removing over the limit protection.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-07
Company: Experian Information Solutions Inc.
State: OH
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
In XX/XX/XXXX, a Collection firm by the name of XXXX XXXX placed an inappropriate Collection Matter on my Experian credit report, for $ XXXXAfter my dispute of this Matter, it was fully removed from reporting at Experian. 
In XX/XX/XXXX/XX/XX/XXXX, the aforementioned inappropriate Collection Matter was reinserted to my Experian credit report, this time, under the name XXXX XXXX XXXX. 
I immediately disputed the inappropriate Matter once again with the Consumer Financial Protection Bureau, as I did on each occasion of this Matter ( see CFPB files # XXXX, XXXX, and XXXX ) By XX/XX/XXXX / XX/XX/XXXX, the inappropriate Collection Matter was again removed. 
As of XX/XX/XXXX, the aforementioned highly inappropriate information has again been reinserted to my Experian credit files, for the XXXX time. 
This time, it is listed under the name of XXXX, XXXX. The amount of {$540.00} is still unchanged. 
Once again, this alleged creditor chooses to continually misrepresent this Matter to a national credit bureau. 
Further, the alleged creditor and each collection agency chooses to " re-age '' this alleged account with each new round of misrepresentation. 
When it was first reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX. 
When it was inappropriately re-reported in XX/XX/XXXX, it was reported as having originated in XX/XX/XXXX / XX/XX/XXXX. 
And, in this latest round of highly inappropriate credit reporting, it is now reported to have originated in XXXX 2015. 
The alleged credit incident that originally occurred in XX/XX/XXXX, has now been " re-aged '' to XX/XX/XXXX, a blatant misrepresentation of sixteen months time. 
I ask that this highly inappropriate and repeated misrepresentation of factual credit data be once again removed from my Experian credit report. 
Further, if there is a way to stop this repeated cycle of blatant misrepresentation to the credit bureau, I would like to take action on that, as well. 
As always, thank you for your continued assistance in this Matter. 
Should you have any questions, or require additional documentation, please do not hesitate to contact me at your earliest convenience. 

Sincerely / XXXX XXXX XXXXXXXXXXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: TX
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 applied for a AAA visa credit issued by bank of america in XX/XX/2020. I never received a decline letter from them. I was called by representative to provide further information and that they would get back to me. They never gave a reason as to why I was not approved. Furthermore, three other family attempted to apply for the same credit card and they were all given denials without a reason. I feel as if bank of america is unfairly denying myself and family members from the same household without a reason. 

I would like a fair reason as to why I am getting denied from this product. 

application number : 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
Consumer complaint received 2020-08-17
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: Other problem

Complaint:
I requested a credit line increase. I have had my account for over 3 years. All payments have been on time. My credit utilization is 2 %, my credit score is XXXX. I was denied an increase because the recent usage of this account 's existing credit line is too low. I received notification via correspondence explaining the denial reason. It is not a reason given in their form letter. i am disputing this rejection, I believe it is discriminatory.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-09
Company: Ocwen Financial Corporation
State: FL
Product: Mortgage
Sub-product: FHA mortgage
Issue: Credit decision / Underwriting

Complaint:
my mortgage is own by Ocwen, i call and ask them to refinance my mortgage thru the HARP program they said that they can not do that, but can restructure my loan and that my payments would be {$440.00} for a trial period of 3 months, they said my payments would be about that after the trial period .they send me some papers to get noterise which i did the next phone call i receive from Ocwen was that they drop me from the program, they also told me that i would not have to pay XXXX month mortgage, then i received a next call that i owe 2 months of mortgage XXXX and XXXX of 2015 in the amount of {$1900.00} dollars, I ask them what happen to the payments that I was making every month they said they applied it to my mortgage. I call them and they said my escrow was short fall, i ask why wasnt i notify by Ocwen ar my ins.co or the city of XXXX they could not answer my question they told me i need to send them {$450.00} for the escrow short fall which i did and it clecr my bank account, all these transaction are being done by different associate at Ocwen, i was told to pay {$590.00} for the month of XXXX mortgage which i did and the cheque clear my account now i was told onXXXX/XXXX/15 to send a cheque for {$1400.00} for the months XXXX and XXXX, all i am doing is sending chequs to Ocwen and they are clearing my account a i getting no help from them i was told they have bad business wrateings with alot of their customers, my credit score are low because they report me to the credit bereaus. I WOULD LIKE SOMEONE YOUR OFFICE / AGENCY TO LOOK INTO OCWEN WAYS OF DOING BUSINESS WITH THEIR CLIENTS. THANKING YOU IN ADVANCE OF ANY HELP RENDER TO MYSELF AND OTHER CLIENTS.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: Experian Information Solutions Inc.
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Information belongs to someone else

Complaint:
THE DISPUTED ACCOUNT HAS BEEN PREVIOUSLY REMOVED OFF MY CREDIT FILE DUE TO THE FACT THAT IT HAS BEEN REPORTING INACCURATE AND WITHOUT MY KNOWLEDGE. PLEASE HAVE THIS ACCOUNT COMPLETELY OFF MY CREDIT REPORT FOR IT HAS BEEN TARNISHING MY CREDIT FILE AND NAME.

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 2016-06-09
Company: Big Picture Loans, LLC
State: IN
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I made a HUGE mistake of taking a loan out with these scam artists, I was approved for a {$1000.00} loan, and I was told that there would be a {$350.00} finance charge, and although that seemed high, I agreed. 

What I did not know, and could not see at the time I accepted this agreement, was that the Truth in Lending disclosure NOT visible at the time I accepted this loan showed an APR of, and this is not a typo either, 779.0804 % and that the total repayment amount for my {$1000.00} loan would be {$9900.00}. 

After realizing what I had gotten myself into, I started looking online and saw what kind of company this is, they are a predatory lender engaged in illegal business practices. 

I am a single mom ( so single income ) with XXXX children and no child support. I will not be able to eat or feed my children if i have to pay this ridiculous finance charge. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: ERC
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
XX/XX/XXXX, I incurred a debt with XXXX XXXX. Since then, the company has repeatedly transferred the debt back and forth between collection agencies and themselves, and then extending the " reported '' date. Now on my credit reports, the " reported date '' says XX/XX/XXXX -- when the debt was incurred almost 4 years earlier, and should actually drop off my credit report XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-02-01
Company: CITIZENS FINANCIAL GROUP, INC.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
Citizens Bank is giving me the runaround about paying me my {$200.00} bonus. The requirement for the bonus was to deposit in XXXX transaction {$500.00} by XXXX XXXX, 2015. Which I did. I told the teller I wanted to deposit the {$500.00} check, and then withdraw {$100.00}. I did not state that I want {$100.00} back from the check. The bank is saying that this is my fault for not informing the cashier of the promotion and doing XXXX transcactions. I went in with the intention of making my obligatory {$500.00} deposit with the check. I did not think or even realize that I had to inform the teller how to process the transcations. Nor did the teller inform me that my deposit would be reduced by my withdraw. I have been told that I should have known therefore the requirement has not been met. Citizens Bank is refusing to pay my bonus on a technicality. I am due the {$200.00} bonus. I made the {$500.00} deposit with the full intention for it to be recorded as such. I had monies in the account to cover the {$100.00} withdraw. I believe that this gives them an excuse to not pay my bonus.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-23
Company: Big Picture Loans, LLC
State: IL
Product: Payday loan
Issue: Can't contact lender

Complaint:
My problem is the payday lender is harassing me via phone. I just received a voice mail threatening me to contact her within 24 hours or I 'll be charged with bank/check fraud. I Was given a " case number '' that does n't really exists and told to call a certain number XXXX XXXX XXXX - XXXX XXXX XXXX when she called on an " Unknown '' number. I 'm tired of these people trying to scare money out of people. They need to be stopped!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-17
Company: U.S. BANCORP
State: OH
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
In the last two months I have been charged a late fee of {$40.00} on my credit card account while making the payment on the due date and receiving notification from the credit card provider that it was in fact made on the due date. Tonight I called the provider and spoke with a XXXX. XXXX tells me that my payment is due by XXXX on the due date. I asked him to please provide where that is stated on my account. His response was " IT'S ON THERE SOMEWHERE IN SMALL PRINT '' " I'M NOT SURE WHERE BUT I KNOW IT'S ON THERE " Well I have read the small print and it states NO WHERE on there that my payment is due by XXXX XXXX. What is states is the following. " Internet and telephone payment options are available and crediting times vary ( But generally must be made before XXXX XXXX   CT TO XXXX XXXX CT depending on what day and how the payment is made. If you are making an internet or telephone payment please contact Cardmember Service for times specific to your account and payment option. There is noting on the Card holders website that states the payment must be made prior to a certain time or it will be considered late nor is there any specific time as XXXX told me was in the SMALL PRINT ON THERE SOMEWHERE. This is clearly deceptive on the part of Elan Financial and they should be required to post in plain sight both on the statement and the website that if a payment was not made by a certain time it would be considered late. My payment posted on XXXX XXXX according to XXXX who offered absolutely no assistance even though my account is prompt every month.

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 2020-01-14
Company: AMCOL Systems, Inc.
State: NV
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:
an unknown collection agency showed up on my credit report. 
I disputed with the credit reporting agency. 
they stated it was verified and is accurate. ( cc of the tradeline on my report with XXXX  and XXXX   attached ) I sent a validation letter to the company Amcol Systems. ( copy of letter XX/XX/2019 attchd ) they failed to verify or validate the debt ( copy of their XX/XX/2019 response attchd ) in addition to being an unknown unverifiable tradeline on my account the information they are reporting is inaccurate.

Company response to consumer: Closed with explanation