BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2022-02-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Getting a credit card
Sub-issue: Card opened as result of identity theft or fraud

Complaint:
The XXXX XXXXXXXX XXXX  XXXX XXXX with account number XXXX appears to be a charge-off account with a specific balance of {$740.00} The information itself is already an error because a charge-off account should have NO balance. Another thing is that the account was reported twice in XXXX and XXXX XXXX. As per XXXX, the XXXX bureaus and the furnisher are to provide XXXX XXXX  accuracy and they are required to give responses and supply documents to confirm the account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card
Issue: Billing statement

Complaint:
I began making payments on a Capital One/Yamaha Account. I made my first payment in XXXX XXXX, 2015. Unbeknownst to me, my due date for this account was the XXXX of each month. My XXXX XXXX Bill Pay was sending the checks on the XXXX, but they were not received until the XXXX or XXXX. I have just realized that Capital One has been charging me {$35.00} a month for the past 24 months at the tune of {$840.00} + interest. I feel like I have been taken advantage of. They will not forgive these late charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-03-24
Company: Experian Information Solutions Inc.
State: AZ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
Tried contacting all three credit companies, they are listing incorrect data, even the wrong social security number. I cant get get access to any accounts!

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 2023-08-11
Company: EQUIFAX, 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:
I'm sending this complaint to inform AGAIN the credit bureau that I was a victim of Identity Theft. It seems the credit bureau doesn't care at all that I want to dispute unauthorized items that reporting on my credit report. Since this is a strict violation of FCRA laws I need the items removed from my file as soon as possible. 
XXXX XXXX XXXX XXXX, FL XXXX ; XXXXXXXX XXXX XXXXXXXX XXXX XXXX XXXX XXXX, FL XXXX ; XXXX ( Original Creditor : XXXX JXXXX XXXX XXXX ) XXXX Balance Owed : {$0.00} ; XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XX/XX/XXXX ; XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I had a balance on my account. I paid it off in full.Twice in one month. I ran my card up XXXX, paid it off. ran it up again XXXX, paid it off. However, I still got interest. Now, the statement says, if paid off before the due date no interest accrued. However, I still received an interest charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: JPMORGAN CHASE & CO.
State: CT
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:
We canceled our card with Chase back in XX/XX/XXXX. We had a XXXX balance from XX/XX/XXXX statement all the way through to our XXXX statement where they put a yearly fee of {$49.00} on the account. I immediately contacted them via their website on XX/XX/XXXX at XXXXXXXX XXXX that this account should have been closed by them months ago and to remove the yearly fee. On XX/XX/XXXX at XXXXXXXX XXXX  they responded. Part of the letter they sent through the message board on their website was " We closed your account, as you requested. We'll refund your account. '' I just received the new statement for XX/XX/XXXXXXXX XXXX XXXX. The refund shows ( dated XX/XX/XXXX ). There is a notice on this statement that says, " Your account is closed and no longer available for use. '' This tells me that they accept that the account was closed when the yearly fee was posted on XX/XX/XXXX. However, there was also a CHARGE from XXXX dated XX/XX/XXXX ( posted XX/XX/XXXX )! 
I called them and said that if the account was closed then they should not have accepted the charge from XXXX for the amount of {$210.00}. In other words, the error is by Chase. They told me that I had to go to XXXX  and have them reverse the charge and charge my other card ( not a Chase card ). I told them that this was not my mistake and their website gives me the option to dispute the charge based on the fact, in my mind, that it is their error. Later, I contacted XXXX. They agreed with me that if they reverse the charge it will automatically cancel my subscription! They also said that if Chase reverses it, their computer will automatically charge the other card on file. No harm done to the subscription. 
This morning, I was alerted that there was a new letter from Chase on the website. Chase 's system does not have the option for the refund for Chase 's error so they coded it as that I " believed the merchant didn't provide the services... purchased ''. 
Therefore, when they went to verify it came up that I DID receive their services and they declined the dispute. 

I would like to know if there is any way to make Chase fix their mistake and clear this charge from my closed account.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I had XXXX accounts with Capital one credit card company.I contacted them and requested full payoff balances and on XXXX XXXX 2015 I payed off both accounts in full.I then recieved a XXXX dollar credit from capital one.stating I had over payed on the account.And now I recieve a bill for XXXX when I contacted them they stated they had been a slight mis calculation.Also during the entire time I had the accounts most of the payments made were not credited to the account.Therefor I was paying XXXX the amount owed all of which I have documented proof.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: AMERICAN EXPRESS COMPANY
State: TX
Product: Credit card or prepaid card
Sub-product: Gift card
Issue: Trouble using the card
Sub-issue: Trouble using the card to spend money in a store or online

Complaint:
I have tried to use the AMEX gift card at XXXX XXXX, XXXX and XXXX. Both XXXX XXXX and XXXX took {$0.00} out, but then the card was declined for a {$100.00} purchase. I have {$130.00} in the account. XXXX XXXX has now said on their website that these cards can't be used on site. But offers no way to purchase special order items ( that have to be shipped to store ) to be picked up at a store. XXXX does not have any kind of warnings. XXXX took my information, but it couldn't be processed. 

I tried adding to XXXX, XXXX refused it also. 

I was successful at another on-line retailer ( XXXX 's XXXX ). 

I called the number on the gift card but there's no information on how to talk to a representative. Website provides infomation on how to add card details but no way to contact AMEX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
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:
In 2014 Capital One auto finance reported a fraud to my credit score account. My car I had purchased from them was stolen and I have a police report but capital one auto finance still put a fraud on my account and I need it removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-11
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Checking or savings account
Sub-product: Checking account
Issue: Problem caused by your funds being low
Sub-issue: Non-sufficient funds and associated fees

Complaint:
I initially have {$1500.00} in my account with Bank of America to avoid monthly maintenance fee. The bank however charge me {$12.00} to get the account below the {$1500.00} threshold and then continue on for the next two months to keep charging me {$12.00} per month because the account was below {$15.00} minimum for the account maintenance fee and they refuse to refund. I think this is a very predatory practice. Please fine them.

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 2023-08-11
Company: EQUIFAX, INC.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Unable to get your credit report or credit score
Sub-issue: Problem getting your free annual credit report

Complaint:
I began requesting my credit report primarily via XXXX XXXX XXXX in or around XX/XX/2023 which led to a few disputes and corrections required by the consumer reporting agency, Equifax. As a victim of identity theft, A few corrections were made as a result of this inquiry to my credit report. After wanting to review my report again, now through Equifax 's consumer website I was unable to complete the verification process and was prompted to call the Consumer Care line at the following number : ( XXXX ) EQUIFAX ( XXXX ) XXXX. On or around XX/XX/2023 I was unable to get a representative from Equifax by calling the Consumer Care number. Also, was unable to receive an updated report via XXXX XXXX XXXX. Later in XXXX, 2023 I call Equifax and after not being able to go through verification, and spending over 1 hour on the phone with customer service, I was not able to get my personal information. This is alarming as a consumer.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-08-24
Company: ALLY FINANCIAL INC.
State: NJ
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Struggling to pay your loan
Sub-issue: Denied request to lower payments

Complaint:
During the last 6 months, we have had several problems with Ally Financial paying back this loan and tried to send a letter in the beginning of XX/XX/2022 to explain the situation, as some of it was largely due to XXXX  reasons and being incapable of making the payment and was also trying to use their phone system with our card but was not successful and needed forbearance. Since XX/XX/XXXX, I had the XXXXXXXX XXXX  of XXXX and was XXXX and was unable to do anything, and was in XXXX at the time so treatment was limited. This was also followed by a XXXX XXXX  where I had XXXX XXXX with about XXXXXXXX XXXX  on around XX/XX/XXXX through the month of XXXX and XXXX and was recovering. I have documentations of this as well During the brief time I was able to speak and try and check the situation, I tried giving Ally bank my credit card and they were unable to process it. I repeated it several times and and they wouldn't let me pay with that card. Then, the exact same thing happened with the debit card when I said it to them over the phone and they couldn't process it. I even tried in XXXX to apply for another credit card and when I was able to get into the online system ( which ALSO I had to call to get into, because it wouldn't let me log in or reset my password for awhile ) I was able to turn on auto pay after making my first payment over the phone earlier that day ( mid XXXX I believe it was ). 

Another issue I had was back in XXXX ( towards the end of the month around the XXXX ) I had turned on auto payments on the website and connected it with the bank but it clearly wasn't working I'm not sure what exactly happened. 

I'm not sure what late fees were imposed but they only waived {$10.00} as a result of this in XXXX and we have paid our payments for the last 2 months and are making every single payment on time and are caught up on our payments and are willing and able to do what's necessary to remove these late payments and have a good relationship with this bank. I've been a customer for 5+ years with them. I will pay whatever is necessary to remove these late payments and do whatever is necessary. I also paid in full once I was out of the XXXX  and made consistent payments on 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 2023-08-12
Company: Mortgage Research Center, LLC
State: FL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I am in a tough situation where I am unable to locate my social security card. I have decided to put a freeze on my credit, after doing a full report i've realized there is a lot of unrecognized things on my credit.

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 2023-08-12
Company: Resurgent Capital Services L.P.
State: AL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Reporting company used your report improperly

Complaint:
Company is practicing unfair deceptive business practices by collecting on a debt that doesnt belong to me and also collecting on debt in a state without a license which is illegal. Company was put on notice of the unfair business practices and refused to remove the inaccurate account from consumer report. Also advertising to 15 USC 1681 A ( a ) ( I ), transactions are NOT included in a consumer report!

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: MOHELA
State: MI
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with your lender or servicer
Sub-issue: Problem with customer service

Complaint:
I have a federal student loan that I have been working on a TEPSLF  since XXXX. I have been trying to work with the loan holder which is MOHELA. They have been working with me to try to get my loans discharged through the TEPSLF. They gave me the advice of a reconsolidation. I follow that advice now my TEPSLF  is no longer there. I have tried to contact them as well as federal aid.gov and I am not getting any answers. I worked for the state of XXXX  for XXXX  years and qualify for the TEPSLF. I am very frustrated that they are not acknowledging my application or my qualification and I am getting no answers although they have told me I qualify in the past

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: WELLS FARGO & COMPANY
State: CA
Product: Credit card
Issue: Other

Complaint:
XXXX paid XXXX charge original interest XXXX My mother was put into paperless billing, and I called Wells Fargo and they told me the bill was lost in the mail, but they would send a bill and this would never happen again. XXXX months later they mail my mother a debt collection letter. I paid off the entire bill with the interest as soon as I was aware of it. My mother born in XX/XX/XXXX is a XXXX and is unable to use electronic banking or even write checks herself. Wells Fargo put her on Paperless billing so they would not send a bill and they could make money on interest charged to my mother. I want my information to be used as an example to help other seniors who are victims of Wells Fargo.

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 2017-04-26
Company: LEXISNEXIS
State: IL
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Public record information inaccurate

Complaint:
after receiving my credit report, i noticed that there is public records on my report and i would like to have it removed because it is a violation of the Fair Credit Reporting Act to report false information.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-08-12
Company: Maximus Education, LLC dba Aidvantage
State: NJ
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Account information incorrect

Complaint:
When applying for a mortgage, my credit report came back and showed my student loans as duplicates one from XXXX ( current loan servicer ) and Aidvantage, which was the original servicer which had transferred my loans to XXXX. These loans were transferred on XX/XX/2023.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-25
Company: CITIBANK, N.A.
State: VI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
On XXXX/XXXX/XXXX I made a payment on my Citi Card account ending in XXXX using my checking account ending in XXXX, which I have made in error because my payroll goes to my account ending in XXXX. 
XXXX I realized my mistake, so I made a payment for {$2000.00} using my checking account ending in XXXX and another payment on XXXX/XXXX/XXXX using my account ending in XXXX for $ XXXXXXXXAt this time, Citibank have attempted to process my payment on XXXX/XXXX/XXXX which made my bank ending in XXXX fine me a penalty of {$60.00}. 
Because I already made a payment as soon as I realized I made an error on XXXX/XXXX/XXXX, I did not contact Citi and I have been accessing my account and I did not receive any notification or warning of them closing my account for this reason. If I knew that they will closed my account for this reason, I should have transfer the money on XXXX/XXXX/XXXX and have them processed the payment that I made by mistake using my account ending in XXXX. 
XXXX I tried to use my Citicard ending in XXXX and it declined. 
I called Citi and I called to numerous representative and finally get through the Credit Dept Mngr who said he will send a request to reopen it and it will take about 7 business days. On XXXX/XXXX/XXXX I received a letter online saying my reopening request has been denied even if I have explained to them what happened and already made 2 payments after that for {$4300.00}. I have put all my available liquid assets/cash into paying my Citicards, now I do n't have any resources to pay my bills. Citicard did not call me to tell me that my payment did not go through on XXXX/XXXX/XXXX. We are also planning to buy a house on XXXX XXXX, so I have been paying off my Citicard every month. I have not paid interest to Citicard because I have been paying it off before my due date, to increase my credit score for my future mortgage loan. Also, they just increase my credit limit to {$8300.00} from {$6000.00} on XXXX XXXX. 
Our plans of buying a house in XXXX and my credit score will be affected by this action tremendously. How can they not re-open my account when I already made the payment, I do n't have any balance due when I made the payment in error and it is within 30days of my due date. 
Please help me to reach the Corporate office of Citi and sort this out. Please re-open my account being that I have been a good cardholder of CitiCards since XXXX. 
Thank you. 

XXXX XXXX XXXX

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2023-08-12
Company: Bread Financial Holdings, Inc.
State: ME
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
I have a J Crew credit card through comenity. Earlier this year, after paying off the balance, a low dollar interest charge racked up months in fees- without notice- and I did not notice until my credit score was dinged.

Now, unaware that I had a balance ( zero emails, texts, calls, mail ), I have found out I am late again - only to find out after reporting to the credit bureau.

I have worked very hard and have a perfect payment record except for this unnecessary blemish and am devastated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-24
Company: WELLS FARGO & COMPANY
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
My name is XXXX XXXX. Yesterday XXXX XXXX, 2015. I went inside of Wells Fargo Bank on XXXX XXXX and XXXX XXXX in XXXX, Fl XXXX. My reason for visiting the bank was to get another bank card. My old one was cancelled due to misused. I was told from XXXX of the customer rep. When visited a month ago or so.. That I had to wait thirty day 's. Keep my account clear. Before I can get another card. It 's now pass those thirty days. XXXX XXXX who was helping me was not able to help nor give me a temporary card because she was told by her supervisor XXXX. The same reason the guy rep told me. Not even to bother looking further into that it 's been pass thirty days etc.. Well once I got home I called Wells Fargo XXXX XXXX number to find out why that bank would n't give me a card and to see if they could send it to me. I was told to go back into that same branch and ask to speak to a supervisor. Because they could n't understand as well why they could n't give me another card nor help me. At the time I was n't able to go right back up there. So I called that branch and asked to speak to the supervisor who was the person who answered. XXXX. She remembered me once I explain and she was n't so polite. Very nonchalant and told me that I was n't gone be able to get a temporary card not today. That she will give XXXX my information to try again and give me a call back. I never received that called back. I called the XXXX XXXX again.. To see what else can I do. And they told me to try another branch which I did. The on off of XXXX XXXX and XXXX XXXX XXXX, fl I was in and out in XXXX minutes.. No problem whatsoever! And the lady who helped me said she did n't know why they could n't help me and even ask me what bank that was. I was not pleased at all nor did I appreciate the nonchalant attitude of the supervisor at that branch.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation