BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-16
Company: BARCLAYS BANK DELAWARE
State: CO
Product: Credit card
Issue: Advertising and marketing

Complaint:
I requested a Frontier Airlines credit card from Barclays with the promise of a XXXX mile frequent flyer mile credit from Frontier. I paid the annual fee and met the requirements 5 months ago but STIIL have not received the mile credit from Frontier. I have contacted Barclays several times to get this resolved but keep getting the runaround. Barclays seems to blame Frontier but I believe it is their obligation to make sure their partners deliver on what Barclays promised to get me to take their card. From online comments others are being mistreated over this also and many are calling this an outright scam. This behavior is beneath Barclays and Frontier. I am requesting an immediate credit of my XXXX miles or a return/credit from Barclays of my annual fee and cancellation of the card.

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 2017-02-17
Company: Atlas Credit Company, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I missed my monthly payment, manager XXXX started calling my phone twice a day, and my work number at least once a day, manager started texting my personal number demanding payment right away, on XXXX/XXXX/17 a lady ( XXXX XXXX ) came to my residence to try and collect. I told her to stop coming to my house, she told me that was her job. I tried to pay but this person had no receipts to issue if payment was made. right after, I talked to XXXX via phone and demanded for them to stop harassing me. he told me that if I missed more payments he had all the right to contact me any way he wanted. I told him that it was ridiculous to send a person to collect without a receipt book, and he told me it was more ridiculous to missed my payments. At this point It was obvious I was talking to a person with zero management skills and I decided to stop our conversation. I told XXXX XXXX to stop calling me, and texting me from now on. he said he would keep calling if I keep missing more payments. I feel harassed and threaten every day by this individuals and their abusive tactics. Please help.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: SYNCHRONY FINANCIAL
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My complain is with Synchrony Bank, who handles the JC Penny accounts. I have had an on going dispute with JCP and Synchrony Bank for a year or close to it about my account with JC Penny. I have been late in payments a couple of times and have not be able to catch up since I have always paid on my account. But not to the satisfaction of JC Penny or Synchrony, therefore in XXXX of 2016 I just paid what I owed and be through with the company and the bank. I send a check for {$200.00} to JCP knowing that it should cover what I owed and close my account. I kept receiving late statements from JCP and Synchrony when I looked at the statements the {$200.00} payment had not been added to my account they say when I called that it had been received or added to my account, I had to send them a copy of the payment. They added they said to my account but nothing changed I stilled owed them the same amount of money when my bill should had been in the negative balance and they owed me money. But they are still harassing me and damaging my credit report with this. Could you if possible help me with this matter I have the proof showing that I owe nothing. 
Sincerely, XXXX XXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-29
Company: Conn's, Inc.
State: CO
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
Conn 's electronic sold me XXXX Beats Solo Pro under their warranty XXXX set was purchase in XXXX 2015 has stopped working and the XXXX pair was purchased for myself. Now they sent us to the XXXX store and we can not get them replaced because XXXX store told us they sold the beats by XXXX headphones out of warranty to me the consumer. My payment is two days behind they are calling me and harassing me about XXXX payment and i have been passed from XXXX rep to the next and in the XXXX store as well they are threatening me that i will lose my one year no interest payment i am a XXXX veteran with too many health issues for Conn 's to do me like this i make my payments but when there is a problem like this no one wants to abide by their rules and replace XXXX sets of headphones.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-24
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Problems caused by my funds being low

Complaint:
I have a credit card with Barclaycard and my interest charge varies very much from month to month. Been going through quite a few financial struggles and I am unable to pay the full card at once. I am trying to pay it a bit at a time but these interest charges make it a bit impossible. I pay at the same time of the month and the total that I owe is around {$3500.00}. Interest charges are : in XXXX : {$35.00}, in XXXX {$520.00} + {$36.00}, in XXXX {$68.00}, in XXXX {$69.00}. Even though I pay over the minimum, I continue to have {$0.00} in the account because I went over my limit with the fees. I know this is my fault for not being able to cover it but I need to go through a few more months until next year when I believe I will be able to pay it in full. Not sure what is going on with the fees.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
For 30 days more or less, XXXX XXXX located in XXXX has called, they call all times of day, recently they only call early morning or late evening, we assumed these to be telemarketing calls. They work for Synchrony Bank who handles Lowes credit cards. On XXXX/XXXX/16 i talked with customer service and asked them to quit calling us, they called again XXXX/XXXX/16 morning and evening, I talked with XXXX on XXXX/XXXX/16 there was a late charge on our account, she removed that, since we have an excellent payment record, and I explained we have a perfect payment record with them, and that we had n't received a statement for XXXX 2016, she in fact did credit my account, but the calls continued, I called again today XXXX/XXXX/16 to get something done XXXX with Lowes customer service # ( located in XXXX ) put on hold which i agreed to, after 10 minutes I hung up. I have canceled my account, but these harrassing calls should not have even been placed to my home. On line chat was n't any help either to Synchrony Bank. Please help

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-24
Company: SYNCHRONY FINANCIAL
State: DE
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened to sue on too old debt

Complaint:
An unidentified law firm representing GE Money Bank called from a blocked number stating their processor has failed at delivering documents pertaining to a civil suit case that is being handled by said firm. The person with whom I spoke said her name was XXXX but did not give any information about the firm she was calling for or give me any contact information. She threatened that her firm was going to follow through with a civil suit to obtain a default judgment. The account in question is not mine and I have no knowledge of this account 's existence. XXXX stated the account was closed XX/XX/XXXX, meaning that the statue of limitations to sue expired XX/XX/XXXX. Upon bringing this fact to her attention, she continued to threaten me that they were still going to follow through with the suit. She hung up without any further correspondence. I was never told where this case would be filed, nor how to get in contact with anyone to investigate the matter further. This account has never appeared on my credit report, nor have I had anyone in the past make any attempt to contact me.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-11-14
Company: JPMORGAN CHASE & CO.
State: AZ
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
On XXXX/XXXX/2016 my XXXX payment was deposited into my liquid account ( ending inXXXX ) in the amount of {$2000.00}, I was able to transfer the funds into my personal checking account that morning, that account was negative {$3.00} I believe ( I assumed the funds were already paid once I made the transfer. Now that Friday XXXX/XXXX/16 morning when I checked my account, there was an additional {$2000.00} ( acct ending in XXXX ). I thought another deposit was made, because I was able transfer those funds successfully. At the time all these transfers were going on from my mobile phone, I did n't notice I did n't have my debit card, now we are at {$4000.00} plus my paycheck from my job {$520.00} that was deposited that Friday XXXX/XXXX/16. Now me being a single mom of XXXX whom just moved away from a XXXX situation, was once at peace because I was going to be able to pay all my bills on time for once in my life. Then suddenly when I check my account on XXXX/XXXX/16 I 'm negative - {$320.00}, so I became furious because I just setup all me e-checks to come through that following week. I called the customer service, they said I would need to go into a branch, I went into the branch and they pretty much said they cant do anything at the store level unless I was making a deposit to cover the negative so It wo n't accrue a fee. I called back the customer service and at that time I was irate because I did n't have my card and no funds, they tell me it was a " GLITCH '' in there system, even started reading off charges I did n't even make, I filed a dispute which resulted in denial. Now my account is overdrawn {$860.00} and about XXXX of that is in bank fees from my bill e-checks. Since then I closed my liquid account and working on closing my business account, in fear of another GLITCH in their system.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-02
Company: JPMORGAN CHASE & CO.
State: CT
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Using a debit or ATM card

Complaint:
I used a Chase credit card to purchase a wine cooler. The wine cooler showed up damaged, not working. I called the vendor who dragged their feet for a week, telling me a series of reasons why it was my fault, finally telling me that they could not exchange the product or have the product returned because it was used. I had owned the product for less than a week at that point. I contacted Chase to dispute the claim - from the attached documentation you can see that they made a half-hearted attempt to resolve the issue, summed up in the letter describing my reason for denial - that I had told them I was expecting a credit from the vendor which is not supported in ANY documentation provided to them.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-03
Company: JPMORGAN CHASE & CO.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
In XXXX, I presented a {$2500.00} check to my bank branch for cashing purposes. I did not know the check writer well, it was a web generated check, and I had questions about the authenticity of the check. I asked the teller if the check looked alright. She promptly responded that it was ok and that all the funds would be released the following morning. Two weeks later, my account was charged back the {$2500.00} due to NSF in the issuing bank. I soon found out that the check writer had a record for issuing bad checks. She did not respond to requests to meet and return the money to me. The branch manager was not very helpful, but finally agreed to issue a statement that confimed that it was a fraudulent check. He also admitted that the teller should not have stated that the check was alright. I filed a police report, and they were surprised that the bank did not look more carefully at the check, as it looked suspicious to them. I filed a formal complaint ( received a complaint number ) with the bank fraud department, and was told i would receive a call back within 48 hours. No response from them. I called a week later and repeated the request, and was told again that I would receive a call back in 24 hours. I did not receive a response. I called a third time, and was told that my case was given to a different department, and I would receive a call back in 48 hours. I did not receive a call back. I finally filed another complaint with the main office of the bank. I was told there was nothing that could be done, since the bank policy did not guarantee that a check would be honored if there were insufficient funds. I am complaining that 1 ) the branch office mishandled the cashing of a fraudulent check, and all funds were released in a very short time period 2 ) the branch manager was uncooperative despite admitting the check was fraudulent, and the teller should not have indicated that the check was alright 3 ) Repeated lack of response to formal complaint. I am requesting that the {$2500.00} be restored to my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Transaction issue

Complaint:
XXXX of my customers file a dispute on a transaction after buying a scooter from me and keeping the items. Contact Capital 1 to get my money back on my account and fax proof of purchase and as of today Capital did n't credit my account back. Transaction amount of {$800.00}.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-12
Company: TD BANK US HOLDING COMPANY
State: NC
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I received notice XXXX that an account was opened up in my name at TD Banknorth.I called them and was told that there was no money deposited in that account.This morning I received another XXXX notification that on XXXX/XXXX/XXXX another account at that bank was opened again. I called and was told to fill out a fraud notification before they would go ahead with any investigation.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-04
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I am a TD bank member and I had an issue with a company that was withdrawing from my account without my authorization and was taking out 4 different payments this also caused me to have overdraft fees. I went into my local branch to clear up the matter and they explained they could not help me.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-24
Company: TD BANK US HOLDING COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I bank with TD Bank and have my mortgage, checking and savings accounts with TD Bank. When I moved from one address to another, I updated my address by calling TD Bank 's customer service, however, the agent failed to update my address for mortgage account while he updated it for my savings and checking account. TD Bank received undelivered mail for my mortgage account and never bothered to inform me through email or phone both of which they have available. In the meanwhile, the monthly mortgage payment went up from {$1000.00} to {$1000.00} due to change in escrow, hence increasing the payment by {$22.00}. I had an automatic payment set up from my TD Bank checking account to TD Bank mortgage for {$1000.00} monthly and was never made aware of the change in payment. I happened to see the change XX/XX/XXXX, almost 8 months after the change and called up TD Bank. They had by that time charged me several fines of {$33.00} each, used my payments for payment of additional principal pay downs and in ways that even customer service agent also could not fully explain what the algorithm used for my payments. In any case, I brought myself up to date by paying the fines and made the additional payments in XX/XX/XXXX and requested that I be paid back the fines and my credit report be corrected. I have maintained a large balance in checking account at TD Bank and there was always sufficient cash available in the account to pay the additional {$22.00} per month. Since I have been a customer of TD Bank for over 8 years, I thought it would be a simple thing to get my credit corrected and fines credited back to me after the bank looks at the circumstances. However, TD Bank refused to do so. I strongly believe that the issue arose because of their customer service agent 's mistake and second because they failed to inform me when they were getting my mail returned to them. I would appreciate if you will take up the matter with TD Bank and have the matter sorted out. I would like to have fines returned and most importantly my credit corrected.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-11-04
Company: TD BANK US HOLDING COMPANY
State: OR
Product: Consumer Loan
Sub-product: Installment loan
Issue: Problems when you are unable to pay

Complaint:
The account was included in my chapter XXXX bankruptcy filed XXXX/XXXX/16 and discharged XXXX/XXXX/16. The creditor was included in the bankruptcy and the debt has since been discharged. I have disputed this account multiple times online to each credit reporting agency, and the company came back stating the account was reporting correctly, then corrected the account - deleting it from my report, to then re add it as an open trade line on my credit, not included in my bankruptcy, or a zero balance.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-07
Company: TD BANK US HOLDING COMPANY
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
After further investigation and disputes with the company via the credit bureau, I have found that the information listed on my credit report for TD Bank is inaccurate according to the FCRA which states that the date of the first delinquency ( DOFD ) is the date a consumer first became 30 days late and no further payments were made on the account from that date forward. At this stage, the DOFD usually leads to a creditor charging-off the delinquent account. My loan account did meet the DOFD requirements ( 30 days late and no further payments ) to be charged-off by TD Bank. I became aware of a missed XXXX payment that I thought was paid in full in XXXX and made the missed payment. 

TD Bank is erroneously reporting this account as charged-off. The report shows the DOFD as XXXX and the date of last payment ( the final payment ) as XXXX. Further, when making this final payment, the representative did not make me aware that this debt would be charged-off, which I also understand was the banks ' responsibility. I am turning to CFPB for assistance with this matter because I have exhausted all avenues with the creditor and CRA 's through phone calls, letters, disputes, etc. 

Thanks. 

XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-07
Company: REGIONS FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
After review of my report I have made several efforts to have this account removed through the credit reporting agency. I took steps to freeze all my credit reports and file a police report to protect my name. The company has decided not to communicate with me over any of my requests that have been submitted. These accounts I have no Knowledge of the account that the reporting company has on my credit reporting account. I have repeatedly attempted to remove the account an the company and the credit reporting agency has not contacted me. 
According to Fair Credit Reporting Act, Section 609 ( a ) ( 1 ) ( A ), you are required by federal law to verify- through the physical verification of the original signed consumer contract any and all accounts you post on a credit report. Otherwise anyone paying for your reporting services could fax, mail, or email in a fraudulent account. 
I demand to see Verifiable Proof ( an original Consumer Contract with my Signature on it ) you have on file of the accounts listed below. Your failure to positively verify these accounts has hurt my ability to obtain credit, Under the FCRA, unverified accounts must be removed and if you are unable to provide me a copy of verifiable proof, you must remove the account. With in 30 days.

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 2017-01-03
Company: EVERBANK, NATIONAL ASSOCIATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
My wife and I were denied a mortgage by EverBank because they would not consider her employment income while using their " asset depletion '' income calculations associated with my savings and retirement accounts. Our FICO scores were in excess of XXXX ; my requested loan amount was only XXXX % of the property value. My income was computed under their " asset depreciation '' computation ( they used only about XXXX % annually of my cash and other liquid assets for qualification and my liquid assets are XXXX times my loan request! ). They refused to consider my wife 's ( and co-applicant ) salary to qualify us for the loan. My wife has been teaching at the same place for more than XXXX years and has no plans to retire. This is blatant age discrimination! EverBank said that it is their underwriting policy to not consider a co-borrower 's income if they utilize retirement income under their " asset depletion '' for another co-borrower. Obviously, this is not only ridiculous but it has a disparate effect on older credit applicants because they surely more likely to be retired.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-30
Company: TD BANK US HOLDING COMPANY
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
TD Bank XXXX XXXX XXXX, FL XXXX Account # XXXX XXXX XXXX XXXX This account was paid in full in the amount of {$2600.00} following my phone conversation with Latresea on XXXX XXXX, 2016 approximately XXXX XXXX. The funds were released on XXXX XXXX, 2016, 13 days before due date. I have done my due diligence and will forward this information to Consumer Financial Public Bureau and the XXXX. 
Please adjust your records and close this account.

Company response to consumer: Closed with monetary relief