BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-14
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
We had CC protection on a CC from BofA so if I lost my job it would continue to be paid. It was an insurance policy. All of my other CC 's froze the account and payments where made from the insurance to keep my credit good while I was unemployed. BofA decided to immediately move the interest rate from 7 % to 29 % for no reason other than they could see I was unemployed. The insurance kicked in and instead of the payments making a dent into the principal it all went to their interest since it was now so high. We called and they said they could do this since I was unemployed yet we never missed a payment or made a late payment. We decided to close the account and refused to continue paying them. A XXXX later they decided to settle the account for {$.00} on the dollar but by then my credit was ruined. No other CC did this practice of raising the interest, just BofA. And yet our government bailed them out ... .how wrong is that.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: JPMORGAN CHASE & CO.
State: DC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Didn't receive advertised or promotional terms

Complaint:
Chase Bank advertises their " Chase Sapphire Preferred '' Credit Card as providing a {$50.00} XXXX XXXX XXXX  Hotel Credit that is automatically applied as a statement credit for hotel room accommodation purchases through their XXXX XXXX XXXX portal. 

Chase states that " Statement credit ( s ) will post to your account within two days after your purchase posts to your account and will appear on your monthly credit card billing statement within 1-2 billing cycles. '' However, this did not happen for me and customer service refused to solve this issue and provide me with the agreed upon {$50.00} statement credit. On XX/XX/XXXX I booked a hotel room accommodation for XXXX XXXX XXXX for {$200.00} through the XXXX XXXX XXXX portal and the transaction was coded as " XXXX Chase XXXX '' on my credit card statement. However, I never received the {$50.00} statement credit within the two days after the purchase posted to my account and it has yet to appear on my last two billing cycles. 

When I called chase with this information on Monday, XX/XX/XXXX, they said that they would escalate it to their research team who would get back to me in two weeks. However, I called back two weeks later and their research team did not bother to look into the statement period that I purchased the hotel through their travel portal and denied me my earned {$50.00} credit. 

When I called, I was put on hold for more than one hour and was told by the supervisor all they couldn't do anything despite themselves seeing the purchase on XX/XX/XXXX through the travel portal. Chase has refused to honor the {$50.00} statement credit that was promised and as a result I will be forced to pay the {$50.00} balance on my credit card to keep my purchases current, taking money out of my bank account to subsidize their malfeasance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Capital One does not want to provide information regarding my account. I understand they could not provide the info due to a recent identity theft that happened to me. They are requesting for me to provide documentation to prove my identity. I provided documentation but Capital One is saying the documents does not match the address they have on file for me. The address they have for me is " XXXX XXXX, CA '' which is for a closed account I had with them before. I applied for a new credit card last year with capital one using my XXXX XXXX address. I have called them numerous times and will not help me until I provide documentation with my " XXXX XXXX, CA '' address. I have not lived in XXXX XXXX for over 10 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: Delta Outsource Group, Inc.
State: CA
Product: Debt collection
Sub-product: Mortgage
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I asked that they not call me but to communicate with me in writing. They said that I needed to send them a written request not to contact me in writing, otherwise, they are within their rights to call me. ( See attached letter. ) Is that true? 
I 'm rebuilding my financial life, after these institutions torched the economy. I plan on negotiating with each of my creditors once my financial situation becomes stable. 
Here 's my request, I 'd like to know if this is a legitimate collection agency, I 've heard that there are a lot of unregistered, unethical, and illegal collection agencies out there. I want to make sure this is not XXXX of them.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: Bread Financial Holdings, Inc.
State: MD
Product: Credit card or prepaid card
Sub-product: Store credit card
Issue: Trouble using your card
Sub-issue: Credit card company won't increase or decrease your credit limit

Complaint:
-- -- -- -- -- Forwarded message -- -- -- -- - From : XXXX XXXX XXXX Date : Tue, XX/XX/XXXXat XXXX XXXX Subject : Please Investigate Comenity Bank Retailers card scam To : XXXX Sent from my XXXX Hello my name is XXXX XXXX, I am being scammed by Comenity bank a credit card provider for companies The Childrens place, New York & Co. , Forever 21 and Victoria Secret. My original credit from XXXX was {$500.00} Comenity bank then lowers my limit to {$300.00} and began to charge overage fees along with late fees. I then began to pay close attention to my other cards to find that my limits were also changed on them as well incurring overages and late fees. 
I reached out to the company Comenity bank they stated that they would change my credit limit to its original limits but did not. I reached out to them again and told them I will not summit any payment until my accounts are corrected. Comenity bank credit cards has impacted my credit scores plummeted to a negative status. Im currently paying the price due to the corruption in which has affected me in detrimental way. 
I am now in debt over {$2000.00} due to the company charging overage fees as well as late fees even through COVID-19. The initial credit limits are fluctuating tremendously and the company charges major fees on each of those 4 accounts. They are not willing to correct my account and was nervous when I said I had an attorney, that is the reason Im reaching out to you. Im a XXXX  employee of 18yrs and this company is ruining my credit. PLZ HELP!!!!! 

My name is XXXX XXXX, contact info is ( XXXX ) XXXX XXXX and/or XXXX. Thank you!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-11-16
Company: SKO Brenner American, Inc.
State: PA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I have repeatedly expressed my desire to cancel this order to XXXX. I called several times and each time the rep said yes we will cancel the order. So when they sent an invoice/bill, I returned it stating yet again I cancelled the order. They sent the merchandise ANYWAY. I am under no obligation to pay for a " gift ''. When the collection agency contacted me, I AGAIN stated my communication process and sent their invoice back with a written statement explaining that this was not a product I requested and therefore have no intention of paying for it. This was sent by certified mail and I have the receipt that this was signed for and received. 
I have received ANOTHER REQUEST FOR PAYMENT from this same collection agency with the threat that this will affect my credit file. Enough! This now borders on harassment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2019-02-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Other features, terms, or problems
Sub-issue: Other problem

Complaint:
I had a credit balance and requested Capital One to issue a check on or around XX/XX/XXXX and again on or around XX/XX/XXXX. To this day, I still have not received the check. 

I called and sent an email to Capital One leadership team 3 times and no one responded to my inquiry. 

This is the WORSE customer centric company that I ever have to deal with.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Need information about my balance/terms

Complaint:
i was enroll with this company XXXX XXXX XXXX and i was making payments since XX/XX/2014 i do n't know what to do or where to go, who can i call??? is there any way i can get my money back??? the money that i paid when to my loans? its so confusing if any body can explain something to me i will appreciate it Thanks a lot in advance

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-18
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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: Personal information incorrect

Complaint:
In accordance with the Fair Credit Reporting Act. The list of account below has violated my federally protected privacy and confidentiality under 15 USC 1681. 

XXXX XXXX XXXX XXXX XXXX XXXX  should be deleted

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 2022-07-25
Company: AMERICAN EXPRESS COMPANY
State: MO
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Fees or interest
Sub-issue: Problem with fees

Complaint:
Hello. A couple of months ago I set up an American Express card account. When I got the card, I immediately set it up for monthly auto-pay of the entire statement amount from my checking account. The first month the auto-pay did not work properly, and the payment was not processed. This became apparent to me when the card was turned off for non-payment of the invoice. When I called AmEx, they recognized and admitted that the auto-pay was turned on and set properly by me, but the automatic payment processing did not happen on their end. So the agent refunded the late fee. But they still charged me {$110.00} in interest and refused to refund the interest charge even though they admitted the mistake was theirs and not mine for the lack of payment of the statement. Then, the statement this month included more interest in the amount of {$210.00}. The account is still set up on auto-pay and it was auto-paid on time this month. But AmEx calls this " trailing interest '' and also refuses to refund this amount. So they have fraudulently charged me {$320.00} in interest through no fault of my own but because of their system error. They are continuing to charge interest and it is impossible to get anyone on the phone that has responsibility for this ongoing fraud. This must be stopped and the only way I can see is to ask the CFPB to help me!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2019-12-27
Company: LEXISNEXIS
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:
The Below companies acquired unauthorized access to my credit report : XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX   XXXX, Michigan XXXX XXXX XXXX XXXX DATES : XXXX XXXX XXXX XXXX XXXX XXXX, UT XXXX XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX , Texas XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX , NC XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX MXXXX, LA XXXX XXXX XXXX via XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX , Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX CA XXXX XXXX XXXX XXXX Service Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , GA XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX Credit Bureau Dispute XXXX, Texas XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX  DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, SC XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Texas XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, GA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, VA XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX, CA XXXX XXXX Auto DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XXXX XXXX, Texas XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, CT XXXX XXXX XXXX XXXX Date : XX/XX/XXXX XXXX XXXX XXXX XXXX, SD XXXX XXXX DATE : XX/XX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX, Alabama XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2022-01-21
Company: Experian Information Solutions Inc.
State: NY
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:
On XX/XX/2018 an Auto loan was opened under my name with XXXX XXXX XXXX without my knowledge. Identity theft. Balance Amout is {$9400.00}. Account # XXXX. I have submitted FTC report and Police report to Creditor and Experian already. I was informed to file CFP report.

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 2019-12-19
Company: Bonneville Billing and Collections
State: OR
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid {$210.00} to XXXX XXXX on XX/XX/2019. I have recently paid multiple debts. I work for a utility company myself called XXXX XXXX. In Oregon if you pay the debt through the utility company the interest is forgiven. When I paid my debt to XXXX XXXX XXXX, it was also through Bonneville Collections, the interest was forgiven. A large debt I recently paid off with XXXX XXXX through XXXX XXXX XXXX, the interest was also forgiven. However Bonneville Collections will not forgive my interest for this debt that has been paid in full. I want to dispute the interest.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-07-25
Company: WELLS FARGO & COMPANY
State: FL
Product: Checking or savings account
Sub-product: Checking account
Issue: Managing an account
Sub-issue: Problem using a debit or ATM card

Complaint:
On XX/XX/XXXX there were pending international charges on my account. The next day I opened a claim with my bank regarding around XXXX charges totaling over {$20000.00}. This fraudulent activity started with someone transferring a high amount of money from my savings account into my checking. They also linked an XXXX to XXXX XXXX on the account, while I do not have an XXXX. I also do not even have a passport to travel internationally. They also increased the daily debit amount to {$20000.00}. There were several charges for the same amount and varying other charges ; all international. My bank denied the claim made saying there was nothing fraudulent despite these charges being out of the ordinary, in another country, connected an XXXX with a different name, and pending while I made a claim. I am currently in the process of helping my daughter and son in law purchase a house so we made another escalated claim with the bank hoping they can help get this money back and do a more thorough investigation. I never authorized these charges over the phone, in person, or through texts. I only gave codes to the bank sent to my phone to deny these charges as I did not make them. They have not sent a letter with any reasons to why this claim has been denied yet; hoping to receive something soon. The bank also reversed 2 of the smaller charges on the account, so I don't understand how these charges ( with the same description as the others ) were sent back but none of the others were considered fraud.

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 2016-01-13
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am a green card holder from XXXX and I visited XXXX with my wife and daughter from XXXX XXXX to XXXX XXXX, XXXX. During my visit I renewed my debit card at a Bank of America branch near XXXX XXXX. I used the new card once or twice for withdrawing a small amount of money at BoA ATM and did not use it for shopping. When I checked my account online during XX/XX/XXXX, I noted that my debit card was used on many occasions for money withdrawal and shopping, after we left XXXX for XXXX on XXXX XXXX. More than XXXX USD was stolen from my checking account. I contacted the Bank ( made an online chat ) and explained the case. At first they charged my account with the exact amount stolen, but they reversed this credit later, claiming that the PIN number was entered at first attempt and the card was used many times, adding that if it were a fraud case, the money would have been withdrawn in one attempt! They required me to send the flight information, which I then faxed, for opening a second claim. In the mean time, I made online chat with the Bank from XXXX three times and lastly had a call on Friday, XXXX XXXX. I was told by the claim department that the fraud case was closed irrevocably! 
Long story short : my debit card must have been copied during my visit and misused after my departure. 
The card is not stolen, it is still by me! They do n't want to understand that I can not use the debit card while in XXXX for ATM withdrawals and shopping in the USA! 
They even implied that I was lying and was the real person using the card. 
I feel humiliated by the bank and want my money back along with a compensation. By the way, I am a XXXX ( XXXX ) and have a moderate sum of money in my saving account with the same bank. They apparently do n't take enough security measures at their ATMs. Instead of apologizing and refunding, they go the easy way and put the blame on the customer. I really have difficulties to understand how such a thing can happen in the heart of XXXX and how one brand name of America in the financial sector could behave such badly toward a senior customer. I am really very disappointed. Thank you for considering my case. Best Regards.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-05-26
Company: Experian Information Solutions Inc.
State: NY
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Their investigation did not fix an error on your report

Complaint:
There are fraudulent accounts on my credit report that do not belong to me., I am a victim of identity theft

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 2020-05-25
Company: Experian Information Solutions Inc.
State: TX
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:
LIST THESE ACCOUNTS ALSO : XXXX XXXX  {$5500.00} XXXX/XXXX  {$25000.00} ALL : DPT ED/XXXX XXXX   XXXX XXXX  XXXX XXXX  {$1600.00} XXXX XXXX XXXX {$570.00} XXXX XXXX XXXX  XXXX {$560.00} XXXX XXXX XXXXXXXX {$200.00} {$1400.00} {$140.00} {$240.00} XXXX XXXX XXXX {$170.00} XXXX XXXX XXXX  XXXX {$570.00} XXXX XXXX   XXXX/XXXX XXXX XXXX XXXX XXXX XXXX {$560.00} {$240.00} {$140.00} {$1400.00} AND ATTACHED FTC

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 2016-10-17
Company: Meade & Associates, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
I spoke to a representative of the company. He stated that my payment would be processed at XXXX the following morning. He also stated that the payment could be reversed if necessary. After speaking to my financial advisor I learned that this action would adversely affect my credit score. I later called the company back and the representative stated that the payment could be stopped and my credit report unchanged. He late called back and admitted the misrepresentation. He did offer an apology but basically stated he lied about everything else.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-06-18
Company: 21ST MORTGAGE CORP.
State: TX
Product: Mortgage
Sub-product: Home equity loan or line of credit (HELOC)
Issue: Applying for a mortgage or refinancing an existing mortgage

Complaint:
I applied for a XXXX XXXX RV loan with 21st Mortgage initially on XX/XX/2020. Currently, I have not received approval due to the income requirements as stated by 21st Mortgage company as they say Im not currently within federal regulation requirements. I have 3 jobs - one is a XXXX, one is XXXX, and the third is a new XXXX job. 21st mortgage states that they can not include ALL my income as the XXXX job is too new ( I started a month ago ) and my XXXX and XXXX  income isnt sufficient as I write off my work from home expenses and they say my taxes are not meeting the guidelines. How can one build credit, begin to own a new ( first ) home, and create good equity if these income/credit regulations/standards continue to suppress those very capable of managing an estimated $ XXXX month mortgage payment? 

Please help those of us trying to better our lives by loosening the strict Financial regulations/guidelines put upon these mortgage companies.

Company response to consumer: Closed with explanation