BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-10-25
Company: U.S. BANCORP
State: GA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Dear Sir or Madam, In early XXXX this year, I applied for the US Bank XXXX XXXX credit card. I thought that the package offered by this credit card was attractive and decided that it was worth both a hard credit pull on my credit history and the {$75.00} annual fee that comes with the XXXX XXXX XXXX XXXX XXXX XXXX Card. 

Fast forward two months, the main perk of this card is cancelled : " Enjoy Bonus Award Nights when you redeem your Gold Points for Award Stays ''. I recently tried to book an award using the " Bonus Award Night '' which enabled me to have a second night for free on a two-night-or-longer stay and indeed realized it was no longer offered. This was a tremendous option as I could get up to XXXX nights per year free at more than XXXX XXXX XXXX hotels worldwide. Upon investigation, I see that it was discontinued in early XXXX. This is a mere two months after I applied for the credit card. I thought regulations prevented credit card companies from unilaterally changing the terms of the contract during the first year the account is opened. 

In any case, when I applied for the card, it was stated unequivocally that I would " enjoy all this after paying {$75.00} annual fee ''. I lived up to my part of the contract and paid the fees. However, I never received the benefit because US Bank decided to cancel those. 
As a result, I am writing to get compensation for this. I suffered a hard credit pull that will stay with my credit history for two years. I paid the annual fee that promised bonus night. But I will never be able to enjoy what I paid for. 

In addition, US Bank changed the term of the contract a mere eight weeks after I applied, implying that they knew about the impending change long before I applied but were still happy to collect the annual fee money without telling prospective customer. I think this behavior is unethical. 

My regards, 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 2016-12-30
Company: SELECT PORTFOLIO SERVICING, INC.
State: NV
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I write this letter with the hope that someone in your agency may be helpful to assist me/us in the resolution of a longstanding issue we 've been experiencing while in the process of negotiating a short sale on behalf of Mr. Realtor 's client : Homeowner Mr . Homeowner is a diplomat with the XXXX government. XX/XX/XXXX Mr . Homeowner was forced to relocate his family to XXXX on assignment to fulfill his Consulate duties. Since the above mentioned property 's value was considerably less than the current market he hired Mr. Realtor XX/XX/XXXX to proceed with a short sale. A complete short sale package was submitted to the 1st lienholder ( SPS ) XX/XX/XXXX. 
Mr. Realtor proceeded with marketing the property for sale via the local *REALTOR 's Multiple Listing Service ( MLS ). 
During the period between : XX/XX/XXXX - XX/XX/XXXX Mr. Realtor procured three separate buyers through his marketing efforts. Each buyer canceled as a result of an inordinate amount of time waiting for this transaction to be granted an approval by the 1st lienholder ( SPS ). The reasons for the delays were varied - from the net proceeds being insufficient, documents required to be updated to Broker Price Opinions ( BPOs ) expiring due to the lengthy process. Finally, after procuring the third buyer an approval was granted - XX/XX/XXXX. By this time the buyer in question was forced to cancel because he could n't afford to wait any longer as his living conditions were temporary and he needed to renew a lease. The property was subsequently returned to the MLS and another buyer was procured as a result. 
By this time since the seller 's net proceed was known in accordance with the approval granted with the previous buyer - Mr. Realtor saw no reason why a subsequent approval would n't be expedited as identical terms were negotiated to protect the net proceed amount required by the lienholder ( s ). 
Until today SPS has not provided us with an approval giving the most unreasonable excuses. It appears that SPS has not trained their employees properly when it comes to loss mitigation guidelines and procedures specially for the State of NV. 
Therefore, I 'm reaching out to your agency for help since we have done everything within our ability over the last twenty two months to complete this short sale - procuring four separate buyers - providing all the required documentation - only to discover SPS failure to perform in accordance with loss mitigation guidelines that are in place for the state of Nevada. We believe Mr . Homeowner 's consumer rights have been violated. SPS has made this client feel unprotected by this unfortunate situation. The homeowner " Mr . Homeowner '' is in distress as he is a foreign diplomat who is obviously concerned about having a foreclosure on his record.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Transaction issue

Complaint:
In XXXX 2015, I filed a dispute with my credit card company, Capital One againstXXXX XXXX XXXX XXXX for XXXX transactions - {$240.00} deposit and {$200.00} pet fee. In XXXX 2015, Capital One closed my case citing that I did not provide documentation. I provided Capital with the XXXX Itinerary of the bookingreservations from XXXX of the {$240.00} deposit paid and remaining balanceof {$1900.00} to be paid upon check. I also provided a letter documenting my conversationbetween the XXXX XXXX Front desk agent that I declined housing my pet. 
Capital One closed the case citing that I did not provide documentation of thecredit for the pet fee. I finally agreed with Capital One to pay the {$200.00} pet fee since I did not have the proof they needed, but was perplexed that my case for {$240.00} deposit was also closed even though I provided documentation. I have pasttwo weeks, I have been getting the run around from Capital One. 
any proof, but still

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
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:
XXXX XXXX last 4 ss XXXX Equifax, XXXX, XXXX Are reporting inaccurate Fraudulent accounts on my Credit. I have filed multiple disputes regarding these accounts and they refuse to remove and provide me with how they obtain the information and what information the obtained to show that I'm the one responsible for the debt. They even have several inquiries on credit report that don't belongs to me either. According to FCRA Rules and procedures and I quotes If any credit Breau fail to remove Fraudulent or inaccurate accounts that's being reported on credit report I have the right to sue them in Federal Court. Therefore I'm once Again requesting that the following items be removed from my credit report immediately. 
1. XXXX Loans ( Fraudulent ) identity theft 2.XXXX XXXXt ( error on report this has been paid it shows In collections ) 3XXXX ( Fraudulent ) Identity theft 4. XXXX XXXX ( Fraudulent ) Identity theft.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: EQUIFAX, INC.
State: AZ
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

other credit reporting accounts are EquifaxXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: AZ
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:
n accordance with the Fair Credit Reporting act XXXX Account # XXXX has violated my rights. 

15 U.S.C 1681 section 602 A. States I have the right to privacy.

15 U.S.C 1681 Section 604 A Section 2 : It also states a consumer reporting agency can not furnish a account without my written instructions. 

other credit reporting accounts are XXXXtransunion.

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 2017-02-24
Company: Byrider Franchising, LLC
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
The current issue just came to my attention when I attempted to get a loan and was asked about a charge-off listed on my account. I should not have had any charge-offs so after requesting my credit report I found that CNAC had reported this to the credit agency. CNAC was the holder of a car loan that was sold to another company who filed a civil suit. This went to mediation and the case was dismissed due to the alleged debt being the direct result of an illegal repossession and illegal communication of this debt according to GA law. The company did not sent proper notification under GA law. The illegal repossession and communications were done by CNAC at the time they first attempted to collect this alleged debt. These actions lead to the dismissal of the debt and was filed with the court. It has now come to my attention that CNAC is reporting this as a charge-off on my account when the debt was dismissed due to it being an illegal repossession and improper communication of debt. CNAC would not accept me telling them via a phone call this case had been settled and refused to acknowledge that this debt had been dismissed. This debt is an invalid debt and was proven as such in the civil case regarding this alleged debt. This is negatively impacting my credit and has contributed to me not being able to obtain credit on several occasions.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2022-05-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
At the beginning of this year, 2022, I applied for an received a home loan and intentionally avoided the XXXX  of the industry such as XXXX, XXXX, and Wells Fargo as I do not work with companies that XXXX  their customers and have unethical business practices. I have had prior loans with both of those companies and as a consumer with free choice, I have avoided those companies. 

Come to find out my loan was sold to Wells Fargo and I contacted them and was told that I have no choice. I DO NOT want Wells Fargo servicing my loan or have any dealing with them in any way shape or form - they can but refuse to submit my loan for reservicing by another provider. As I am consumer with good credit and payment history, I am being discriminated against by their refusal to let go of my loan. There is so much red tape in Florida for anyone having their loan with Wells Fargo and I want no part of that company, which should be my right as a consumer in a free country.

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 2015-03-28
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Rewards

Complaint:
I applied online for a Citi Thank You Preferred Card. I was approved. This particular card gives you XXXX bonus points when you spend {$1.00} when the XXXX 3 months of use of the account. I was keeping track of my transactions, and had made roughly {$1600.00} in purchases within the XXXX TWO months. I noticed that the BONUS points were not issued to my account. I have other reward cards and usually any bonus points are rewarded soon after the threshold spending level is reached. This was not so with the Citi Thank You Preferred Card. I contacted the customer service department to get an explanation. After waiting two days for an e-mailed response, I was informed that I was NOT enrolled in the bonus point program and that " on my contract '' I was given an 18 month 0 % APR introductory offer instead. The Citi Thank You Preferred Card according to the Citi website has a 12 month 0 % introductory APR plus the XXXX BONUS point program. The 18 month offer is not even the standard issue for this particular card. Needless to say, I was not informed of the change. I feel that they used a bait and switch technique to get people to sign up for their cards. It seems like a form of fraud. Incidentally, they did say that I could contest this if they sent me any printed material which confirms the BONUS point offer was offered to me. I APPLIED ONLINE, IT 'S ON THEIR WEBSITE, It 's also mentioned on various websites that help consumers compare credit cards and help them to decide which card is best for them. I feel that people should be made aware of Citibank 's fraudulent practices in regards to their rewards program.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
Capital One is constantly misleading consumers about low-interest promotions. 
As result, I will end up paying over 20 % interests on those old purchases, not just on the balance additional purchases at the end of the promotional period. 
The promotional notes that I received on the advertising materials do n't disclose the rate increases at all, while I 've just been contact by Capital One sharing " good news '' stating that my account it is eligible for a lower annual percentage rate ( APR ). So, to make the notice prominent enough, Capital One is creating the " impression '' that higher rates wo n't apply and it will go down to a standard purchase rate, but without communicating the actual rate.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-09
Company: Selene Finance LP
State: WA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Loan servicing has been transferred multiple times and the original servicer never complied with the Court Ordered Stipulation on a confirmed Chapter XXXX Plan. The servicers are all in contempt of court and need to correct the servicing on this account. I have written multiple times to try and get this corrected going back to 2012 and no one is correcting the account and they are charging me fees for eroneous inspections that had the servicer corrected the account, none of these fees would have been assessed.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Advertising and marketing

Complaint:
I have been receiving " 0 % for 18 months '' offers from Capital One, with whom I hold a card. This is an offer no one would take if they read carefully. After paying 3 % to use their " 0 % check '' or making a balance transfer, the rate on the entire account goes to 17.9 % if you make a purchase using the card. I think they are counting on people not reading carefully and/or not understanding the offer -- or on accidentally using the card for a purchase. May be legal, but very shifty.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
i am well aware of all the red tape in this world just so disappointed when it comes to my favorite bank capital one. made a dispute OVER DEFECTIVE phone from XXXX XXXX that i did contact them about but never heard back. first dispute comes back saying well you bought it to which i respond i never disputed i bought it so on XXXX XXXX i sent back that IT IS DEFECTIVE. no batteries broken. instead of asking me for further proof which by the way i have never had to provide they closed my dispute. Well i am not paying it. nor should i. One it was not handled right i was not contacted for whatever proof they needed BEFORE they closed it etc. and i still have abad phone. Online Customer serice XXXX XXXX too long. i am super surprised at capital one for this. it had been my card of choice for all reasons. please reverse charge. i am not paying it. i also note for the record NO ONE at XXXX XXXX contacts me in response to my contacts or otherwise. REVERSE charge on card ending XXXX as for contacting me i can only be reache after XXXX eastern. i work so calling at any time is a waste.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-10-08
Company: MB FINANCIAL, INC.
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Problems caused by my funds being low

Complaint:
Family account was established XX/XX/XXXX for those family members who were not able to pay full prices for all future family reunions. So XX/XX/XXXX after the markets fell, and we could not go on family reunion trips regularly, I ask the bank what amount was need to keep account open. Myself being the treasurer of the family club fund left {$290.00} the amount I was told in the MB Financial Bank in XXXX XXXX IL. In between that time my sister XXXX XXXX whom was the name on the account had moved, there was no mail forwarded to new address from old address so, long story short they deducted all funds over the course of the five years. Now present day we went to go close out the account was told we ca n't get any of our money back.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Settlement process and costs

Complaint:
Dear CFPB, I had my mortgage with Bank of America, but I have not been receiving any type of notification from them for a many years now. I have called the Bank of America many times to resolve this matter, but unfortunately I was told that I no longer have a mortgage with Bank of America. I found out that my mortgage has been moved to XXXX XXXX. I never authorized this transfer nor requested the Bank of America to make any changes to my mortgage. There was no service transfer notification, nor any form of notification that this transfer has been made. I wish I can find more information but I am not able to receive any information from both XXXX XXXX & Bank of America until now. I spoke to many different representatives for many times from different department, but I am not able to find any information regarding my mortgage. Now when I ran my credit report, I saw many delinquent payment notices on my report from Bank of America. This is very unfair and I do n't know whom I can speak to to resolve this matter. Because of this ridiculous happening, I am not able to file a modification nor enroll for any financial help programs. I do not want to lose my home, but there is nothing I can do because of those delinquency notices on my credit report. 
Please help me to resolve this matter. I am very worried and lost at this point because I feel like the banks have used my personal information without my consent or authorization to make these changes and I am not able to receive any information from those banks. Once again, I never requested any changes or transfer, never late on my payments, and I do not want to lose my home. 

Thank you,

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 2020-09-29
Company: JPMORGAN CHASE & CO.
State: TX
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Opening an account
Sub-issue: Unable to open an account

Complaint:
I can not open a bank account with chase. I had an account around XXXX that had fraudulent activity making my account go in the negative and it eventually was closed. Before the closure I reported it to chase as identity theft and fraud as ever since I've graduated high school I have always been a victim of identity theft of anything involving my social security number. I have already reported it to irs, the 3 credit bureaus and the social security office, I also provided chase bank with VALID documentation proving this case about my identity theft with these companies. Yet trying to open a bank account with Chase again now in XXXX and now they are saying it will be closed because of my previous account, which I had already given VALID documentation of my case. I've spoken to loss prevention, fraud, identity and the claims department and I was told that I have basically been banned for life because of that previous account. This is extremely unfair as I did my part to the best ability.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-09-09
Company: EQUIFAX, INC.
State: WI
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:
On XX/XX/2017, Equifax Inc. revealed that its computer systems were hacked several months ago due to negligence in their IT security. Because of this, a large amount of my personally identifying information was released without my consent, as identified by the website equifaxsecurity2017.com.
This has the potential to impact me by increasing my risk of identity theft, and poses a risk to my credit history should I try to obtain a loan in the future.

Company response to consumer: Closed with explanation