BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-07
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Delinquent account

Complaint:
I have some issues regarding my Amazon Store Card account, I was hoping that someone would help clear-up : In XX/XX/XXXX after using the same password when logging into my online account since I first opened my account, my password no longer worked. I called customer service about this so I could make a payment, they said they had my bank account info and would process a payment. I also asked for a replacement card at that time. Unbeknownst to me, my XX/XX/XXXX payment which I made online had not been credited! Then later in XX/XX/XXXX, I received a letter that said my account was delinquent, to my great surprise. Now both of my last XXXX payments made failed on their end and my account was n't credited! So I sent a personal check payment along but did n't have time to call because I was going to be out of town for awhile. 

On XXXX XXXX, I had time and called customer service again, my first XXXX attempts I was hung-up on after holding for very long times. After a hour of trying to speak to a rep, I was finally successful and got to speak with XXXX about the events that occurred. We spoke about how my payments were n't being credited, which she could n't give me a reason for. We also discussed how my passwords were n't working and how I was unable to access my online account, again she did n't know why. She helped me access my online account and told me I had n't been charged any online late fees and that I was in good standing. XXXX also said she would send me the replacement card I had n't received from my last request. 

On XXXX XXXX, I called customer service again because my new password was n't working again and I was unable to access my account. I again had to request a replacement card because I still had n't receive one since the last XXXX requests. Once online I now could n't view all of my previous statements, even though I was always able to in the past. 

Of greatest concern is that in XX/XX/XXXX, I received a copy of my credit report and saw that Synchrony Bank reported me as delinquent past XXXX days in XX/XX/XXXX. This is unfair considering my attempts to make payments and access my online account failed due to problems at Synchrony Bank. I ask that Synchrony Bank fix this and remove this blemish off of my credit report immediately. 

Overall the experience recently with SB bank has been very disappointing, frustrating, and time consuming. I never had problems with this account before Synchrony Bank took over my account from GE. I look forward to hearing from someone from Synchrony Bank regarding the negative mark left on my credit report.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I have been a loyal customer to Capital 360 since XXXX. In XXXX, we established a Trust, and per our Attorney, ALL of our assets are in the name of our Trust, including our bank accounts at Capital 360. Capital 360 has recently offered a XXXX XXXX account. We were informed that although our current status are ALL Trust accounts, we are not able to open a money market in the name of our Trust. I asked to speak with a manager and was directed to XXXX ( Employee # XXXX ). XXXX confirmed they were unwilling/unable to open a money market under our already established Trust accounts. I asked to speak with his manager, as we are already established customers with established Trust accounts and he declared that there was no one else for me to speak to regarding the matter and that I could periodically check back for changes in their policy. This refusal to open a money market account in the name of our Trust, considering we already have XXXX other accounts in the name of our Trust, appears to be random and discriminatory towards people who elect to have their financial affairs in order. XXXX insistence that he has the final say in the discussion of this inane policy was ridiculous, and this matter needs to addressed ensure inclusivity -- especially to established customers!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Using a debit or ATM card

Complaint:
I was looking at my account and I see that there were withdrawals and transactions in different states. I called and disputed the charges and they will give me a credit but will always reverse it and charge me all these overdraft fees. I was told that someone was deposited a check in my account and it was from my other account but that is impossible because I ldont have any checks for any of my accounts. I deposited XXXX in the account on XX/XX/2016 and now its all gone and I am being told that I just have to deal with it. I did my part and I am being told that it was not enough

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-13
Company: Experian Information Solutions Inc.
State: AK
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Reinserted previously deleted info

Complaint:
have had a debt that was suppose to come off of my report XXXX. account was opened in XXXX of XXXX according to a previous credit report, it showed when it would be removed. the reporting agency also said during the most recent dispute they updated my information based on a previous investigation.. All I ever did with this account was give them documentation to prove that I did not owe the debt. and all they did was adjust the amount owed to a couple XXXX less. upon reviewing the new credit report where it should have came off. they have now updated it to remain for another year and changed the dates for reported to XXXX which is clearly untrue by the documents i am providing. they also changed the date of status from XXXX to XXXX. once again I never made any payments to this account or updated any information other than to prove i did not owe. I currently have this debt taken off of my other credit reports because its passed the amount of time to be reported on.I included that credit report to show when they started reporting and when they opened the account for collections

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 2021-03-14
Company: OneMain Finance Corporation
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I have filed a dispute in regards to the incorrect items on my credit report. It has been well over 30 days and I haven't received any investigation results.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: CITIBANK, N.A.
State: WI
Product: Credit card
Issue: Other fee

Complaint:
I purchased appliances with my Home Depot credit card. The purchase was automatically placed on a 0 % interest promotion for 24 months. During that time, I made payments in excess of the minimum payment due. According to the Credit Card Act of 2009, section 104 subsection 164, " Upon receipt of a payment from a cardholder, the card issuer shall apply amounts in excess of the minimum payment amount first to the card balance bearing the highest rate of interest, and then to each successive balance bearing the next highest rate of interest, until the payment is exhausted. '' I believed that the amount over the minimum due would be applied to the promotional balance. Since it had not been applied. I was charged {$1500.00} interest fees on a purchase of {$2200.00}. The interest charged is approximately XXXX % of the purchase amount. According to Home Depot, there is no way to opt-out of a 0 % interest promotion when you are making a purchase over {$290.00} during the promotional period.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Debt collection
Sub-product: Auto
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Capital One Auto Finance stated that I was 30-39 days late on the last car payment on my car in 2010, however they have failed to provide me a method of payment I used such as a check, moneyorder, and etc with the date they said I was 39 days late making the car payment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
I have at least three times submitted payments ( well before the due date ) online from my checking account ( with CapitolOne ) to my credit card with CapitolOne, and have had it returned AFTER my due date with some nonsense that the bank refused to pay the bill - but I receive not notifications on my checking account that it 's been refusing payments. Also, this all occurs AFTER I receive a confirmation that my payment has posted. I know the information is correct because the accounts ARE LINKED ON THE WEBSITE! The only way around it has been to submit payments from another checking account from a completely separate institution.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
XXXX XXXX XXXX opened an online savings account with ING in XXXX XXXX. This account was immediately linked to a checking account at XXXX XXXX XXXX. The ING account was taken over by Capital One when it purchased ING. On XXXX XXXX XXXX, we attempted to make an online transfer of {$700000.00} from the linked XXXX XXXX XXXX account into the Capital One account. On the afternoon of XXXX XXXX we received an email from Capital One that the funds were being held until we call them. They stated that the hold had something to do with a credit check they performed, which we did not authorize. We called the number in the email and were directed to a voicemail, and left a message. Later that day we also responded to the email requesting that this situation be resolved. Two days later, XXXX XXXX, I went with my controller, XXXX XXXX, to a local branch of Capital One and spent 45 minutes attempting to have them help us resolve the situation. An officer in the bank made a phone call and was put on hold, we said we will go back to the office while they try again and will let us know what happens. Upon returning to the office, we received a phone call from Capital One, I verified my social security number and date of birth as requested. The representative ( XXXX ID # XXXX ) then told me that he needed to get another department on the line. After waiting for XXXX minutes on hold. I told the representative I could not wait any longer, and to please call me back when the process was complete. He responded that if we were to hang up, the process would start over again. Not only are they holding my money hostage, they also insist on holing my time hostage in order to get this issue resolved. XXXX also indicated that the transfer was flagged randomly, and not because of the any credit check as stated in the email. I had no choice but to hang up so that I can continue to run my business, and not be held hostage by a convoluted and inefficient system present at Capital One. There was no reason for the transfer to be held up other than random chance, and there is no reason why I need to stay on hold after confirming my information while the problem gets sorted out, and my money released.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TN
Product: Credit card
Issue: Other

Complaint:
Capitol One reporting outdated information to my credit report. For easy reference, I 've enclosed a copy of the credit report that XXXX Provided to me. 
In accordance with the Fair Credit Reporting Act, XXXX XXXX XXXX XXXX XXXX. XXXX ] " XXXX Delinquent date is as XXXX XXXX XXXX, reporting periods only run 7 years. In my case, the information in question expired as of XXXX/XXXX/XXXX. 
As of XXXX/XXXX/XXXX capitol one frequently and illegally reporting and violating FCRA.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Balance transfer

Complaint:
I have a Capital One Credit Card, a Personal and a Business Card ( which is now XXXX13 month since I got them ). 
For this complaint I would like to explain the aggravations and how Capital One Defrauded me and the huge damages that I 'm suffering about. Let me start with the Business Card. 
To better understand Capital One has a feature which they mail out a check to your address and it 's payable to your name, and then you can deposit it to your account and then do with it whatever you want. 

Here is the Story, I requested XXXX checks to be mailed out to me on XXXX/XXXX/16 and XXXX/XXXX/16, the total of al XXXX checks is {$15000.00}, long story short, I NEVER RECEIVED THE CHECKS!! I called Capital One and was transferred to the Fraud Department, and they told me they will close my account due to fraud and mail me out a new card, and they assured me that I will not be Liable to the Fraudulent Transactions. 
So that 's what they did, and I received a new card, but Capital One did not keep there promise of not holding me liable to checks which I DID NOT RECEIVE. 
I called again the Fraud Department, and they were giving me such aggravations that I had no doubt I will end up in the hospital. 
And this is what they told me after being on the phone for 3 hours for ten days. 
" WE INVESTIGATED THE XXXX CHECKS AND WE REALIZED THAT THESE CHECKS WERE DEPOSITED AND THEREFORE THERE 'S ABSOLUTELY NOTHING IN THE WORLD WE CAN DO TO HELP YOU '' after many hours of crying on the HUGE loss I had, I called capital one and told them to please prove to me that I received the checks and that I cashed them. Because I know 100 % I DID NOT RECEIVE IT AND DID NOT CASH IT, AND I OFFERED THEM ANYTHING THEY WANT TO PROVE IT. 
So I was told by a representative that they are not able to mail me out the checks. 
So I called again, and was transferred to XXXX departments until I was finally told that they will mail me the checks and I will have it in 7 days. 
after 14 days I did not receive it, I called again and they told me " SORRY WE CAN NOT HELP YOU ''. 

I 'm here begging the Consumer Financial Protection Bureau to please help me not to be a victim of the FRAUD and UNETHICAL behavior Capital One did to me, and help me I should not loose my money, and help me with money so I can go to a therapist so I can get my mind together. 

PLEASE AGAIN I AM BEGGING FOR HELP!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Delinquent account

Complaint:
I have contacted Capitol One to get this 30 day marked removed via goodwill intervention. They claim they ca n't do that but I had another company removed a 30 day mark via courtesy, I was credit reported for {$3.00} which I do not think its fair. I have been a customer for almost 10 years and I advised them on numerous occasions I was a victim of identity theft. I spoke with XXXX XXXX Firm who specializes in credit issues and they advised me that creditors can remove it via goodwill intervention, they state Capitol One should remove it and not sure why credit card companies tell consumers that negative marks ca n't be removed. I need the credit marked removed so I can obtain a lower percentage loan so I can pay off some of my higher cost loans such as my credit cards that have high APRs. Some of the time I get people that can barely speak English. I am an American I need to speak with a rep that I can understand. What Capitol One is doing is unfair, I only have XXXX-30 day mark and they clam it ca n't be removed when I know the truth.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Capital One randomly and without my consent to reject ; has increased my credit limit three times in the last year. These have been significant credit line increases. Capital One says because of my good standing, they increase my limit. However, they refuse to lower my interest rate. I have a high interest rate and Cap One keep raising the credit line to potentially extract more money from me. It seems this practice is unethical at best, because if I 'm such a good customer, then lowering my rate would be the best practice. I contact the XXXX about this and Capital One replied w/ a scripted response. Capital One is practicing in unethical practices by not allowing the customer to decline a credit line increase and they say " accounts are periodically reviewed for credit line increases '', but say my account is n't eligible at this time for an APR reduction? Makes no sense. If I 'm such a good customer, then trying to squeeze more money from me on a high interest rate from credit line increases is very much a sleazy tactic.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Credit card
Issue: Transaction issue

Complaint:
On XX/XX/XXXX I accepted a trial offer for additional internet exposure for my XXXX from XXXX. I agreed to a XXXX time fee of {$90.00}, On XX/XX/XXXX a company calling themselves XXXX billed my credit card {$220.00}. I had no idea what XXXX was nor any idea what product or service they provided so I disputed the charge with Capital One and requested that all my Capital One accounts be immediately closed. Subsequently, Capital One denied my dispute claim and rebilled my account despite overwhelming evidence that the charge is fraudulent and that no value, product or service was ever delivered. There is significant information available which has been provided to Capital One outlining dozens of complaints regarding RealEstateAgent.com and the misleading and deceptive practices they employ to steal money from unsuspecting consumers. Please see : XXXX and XXXX Both these websites contain information about the fraudulent, misleading and deceptive practices employed by XXXX. The pattern continues see : XXXX. Apparently, this vendor does business under a variety of titles - XXXX, XXXX and XXXX. Capital One has proven themselves to be complicit in perpetrating this fraud by favoring their vendors over their cardholders and consumers. I did authorize the initial charge but did not at any time authorize any additional charges and was assured by their agent that there would never be any additional charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-14
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Incorrect information on your report
Sub-issue: Old information reappears or never goes away

Complaint:
Hello I sold my house last XXXX this account shouldnt even show on my account. I payed the remaining balance of my mortgage loan so by law and the fair credit act this must be removed from even being showed on my account!

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 2016-08-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I used my CapitalOne Visa credit card in XXXX to contribute to an " XXXX '' campaign in exchange for a " perk ''. The perk was a drone that arrived in XXXX. Unfortunately, the drone did n't work, it was dead on arrival. I tried to work with the drone manufacturer, XXXX, via phone and email. XXXX agreed that the product was dead on arrival, but XXXX refused to provide any repair, exchange, or refund. 

I asked Visa to dispute the transaction and Visa provided a tentative refund on XXXX XXXX. Visa reversed the refund on XXXX XXXX and asked for additional documentation to support my claim. Visa received XXXX pages of emails and testimonials from me on XXXX XXXX. Visa sent the following letter to me on XXXX XXXX XXXX : " Hello XXXX XXXX XXXX We have received your documentation and will continue your transaction dispute investigation. We may contact you with follow-up questions, but until then, no additional information is needed. '' I called Visa on XXXX XXXX to check the status of my claim. I spoke with XXXX XXXX XXXX XXXX XXXX and he assured me that the documentation was in order, that I needed to allow at least 10 business days, and he added a note to my case stating that I was available by phone and email in case anyone had any questions or needed any additional information. 

I called Visa on XXXX XXXX to check status and was told that my claim was denied. I was transferred countless times ( agents XXXX, XXXX, XXXX, etc, etc, etc ) and put on hold for hours as I tried to learn what had gone wrong. Every agent I spoke with agreed that XXXX admitted in writing that the drone was dead on arrival, but that is not sufficient proof that there is a problem with the " perk ''. 

Visa did n't follow their own procedures and Visa denies they sent me the above letter ( it 's on CapitalOne letterhead, copy available upon request ). XXXX agent actually told me that there 's no place for common sense in this process. 

Visa makes it easy for bad merchants to take advantage of well intentioned consumers. Visa creates a moral hazard for all of us when they intentionally delay, and ultimately deny, refunds for defective merchandise.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I had payment arrangements to bring my credit card account current. I spoke to several representatives and was given different payment options. All of the correspondence is documented. I was told on XXXX XXXX, 2015 to make a payment of {$110.00} by XXXX XXXX, 2015. I was then told on XXXX XXXX, 2015 via Capital One 's message center to make a payment of {$120.00} by XXXX XXXX, 2015. I had already sent a payment of {$110.00} on XXXX XXXX, 2015, so I planned to sent the difference by XXXX XXXX, 2015. I then noticed that my account was closed on XXXX XXXX, 2015. When I inquired about the closure, I was told that because my account 120 days past due, it was closed. I told them about the correspondence with different representatives and how I was NEVER told that my account was going to be closed even though I made the required payments. I was told my payments would bring the account CURRENT and my card would STILL BE OPEN AND ACTIVE.

Company response to consumer: Closed with explanation