BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-08
Company: BARCLAYS BANK DELAWARE
State: CT
Product: Credit card
Issue: Delinquent account

Complaint:
I pay my bills online through XXXX. I always pay on time. This is the 4th time in the last year that Carnival Master Card has claimed my payment is late and have charged me a late fee. Each time I have caught it and they have reversed the late fee as I have proof from my bank it was received on time. I think they are hoping people will not look at their bill and not see the late fee. They tell me I should send in my payment at least 5 days early to avoid this problem. The lady claimed the holidays might have made the processing take longer. I say that is your problem. You received my check, the processing time is your fault.

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 2017-03-10
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
I missed my XX/XX/XXXX PC Richards store card payment. On XX/XX/XXXX I called Synchrony Bank to explain my current financial situation and how I can bring my account current. After discussing my financial situation Synchrony Bank placed me on their " Customer Assistance Plan. '' They explained that this plan takes my total balance as of XX/XX/XXXX and divides it into 48 months. During the 48 months I will incur no more late fees, no interest, no penalties and I will be up to date ; as long as I make the new minimum payments. On XX/XX/XXXX I received a credit alert that PC Richards reported me as being more than 60 days delinquent. I called Synchrony Bank on XX/XX/XXXX and enquired as to our arrangement on XX/XX/XXXX ; they gave me a complaint number and said they would call me back. While waiting for a response I did not pay the XX/XX/XXXX payment. On XX/XX/XXXX they called I offered to pay the past due payment we agreed to on XX/XX/XXXX but the said the past due balance was more. Upon further discussion on XX/XX/XXXX Synchrony Bank told me that they charged me a late fee for missing XX/XX/XXXX payment even though our agreement was still enforce. Additionally they are still reporting to the credit bureau that I am over 90 days delinquent when our agreement on XX/XX/XXXX is anew agreement. As of XX/XX/XXXX I am update with the payments. They were continuing to bill me he full past due balance and reporting be as delinquent when we had agree to new terms. 
monthly. On XX/XX/XXXX I paid the 1st payment. On XX/XX/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 2016-11-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Credit card
Issue: Delinquent account

Complaint:
Capital One did not take any steps to notify me that my account was past due. They did not take any steps to notify me before reporting late payments to credit bureau. According to rep you have to 'request ' to know these things. This is highly unethical, especially since they charge late fees. It is in their interest not to notify the customer. According to Rep, consumers do n't want to know this information.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-03-31
Company: Convergent Resources, Inc.
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Convergant Outsourcing LLC has reported a paid collection in which I did pay to settle the account with them for {$250.00} because I owed XXXX {$280.00} for a closed unpaid phone bill. Which was in XX/XX/XXXX when it was sent to collection for none payment..Convergent Outsourcing LLC has the account listed as opened on XX/XX/XXXX which is not accurate

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: Seterus, Inc.
State: FL
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
SETERUS has charged me {$10.00} for their mistake. My payment is due the XXXX of every month. I sent in my XX/XX/XXXX payment with the monthly coupon to SETERUS that they received and allocated to principal only on XX/XX/XXXX when the payment of {$540.00} was supposed to be allocated to monthly payment of principal and interest as was indicated on the coupon. They called me about XX/XX/XXXX saying I was late with my payment! I told the representative that it was sent in and she found where the payment had been miss allocated to principal instead of the monthly payment. She vowed to correct the error but failed to tell me it was going to cost me {$10.00} for their mistake! This not the first time I have had difficulty with SETERUS. They even lost a {$2000.00} payment I made on the principal which was not corrected until I found the cancelled check and sent that to them. They have changed their payment coupon so that there is NO space to allocate additional funds for the principal only. I have made several additional principal payments plus the normal monthly payment that arrived at their office prior to the first of each month due date and they allocated the entire amount to principal and called me asking when I was going to make my monthly payment when in fact they had {$2000.00} additional principal plus the monthly payment of {$540.00} in their account from me.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-24
Company: EQUIFAX, INC.
State: OH
Product: Credit reporting
Issue: Unable to get credit report/credit score
Sub-issue: Problem getting my free annual report

Complaint:
After being denied a credit card I applied online ( and called ) for my free credit report from equifax that I was supposed to be able to receive if applying within 60 days ( which I was ). This has happened to me in the past multiple times. I have NEVER been able to get my free report as promised by equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-02
Company: Jim Bottin Enterprises, Inc
State: TX
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:
My wife, son, and I joined a gym 3 years ago. It was a monthly payment charged to our credit card that we left on file with them. They gym sold to another company. We were never given notice and we never advised of any changes to our contract. We called and were given permission for our military son on XXXX to use our tag and work out. By this time, the 3 members were not using the gym anymore. When our military son returned home 6 months later for XXXX leave, he tried to use the gym. Again, the 3 members were still not using the gym. He was kicked out and told he could not work out there. We decided to quit the gym. To do that, we were informed we had to continue to pay for two months after quitting. Also, the person we talked to did n't cancel our contract that evening. They were just going to keep charging our card monthly. We disputed that and contacted our credit card company to advise them we were challenging this. The credit card company froze our account so it could not be charged until the dispute was resolved. After 30 days, this company still had not responded to our credit card 's inquiry. They will not even answer the complaint. And, a week after disputing the charges with our credit card company, someone with all of our information, tried to add their name to our account. Because of that, the credit card was cancelled and a new one issued. The gym does not have the new one. We have now been threatened if we do not pay for these two months, it will be turned over to a collection agency and our credit will be dinged. We have tried twice to talk to them and they just do not care. We have also received multiple calls from the " financial company '' to 4 different phones even though we requested they only call one number. It is also a recorded message, never a live person. We have now sent a cashier check through registered mail in the amount this company has requested and we have asked that they never contact us again via phone or email. Even after receiving that check and signing for it, we were still called 5 times on the day of the receipt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
The primary mortgage for my property, located at XXXX XXXX XXXX XXXX, XXXX, XXXX, NY XXXX is currently held by Capital One ( Loan # XXXX ) - however they are not the original mortgator. In the process of conducting a title search, it appears that the title was never updated when Capital One took over the mortgage. I am now attempting to obtain documentation to update this, and to refinance my HELOC ( with XXXX ) and I am getting the runaround from Capital One. They have been unresponsive, unavailable to speak with and have told me it will take them 30 days to address. In the meantime, XXXX has told me I have 5-10 days to correct the title, or forfeit the HELOC application.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-05
Company: REGIONS FINANCIAL CORPORATION
State: AR
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
Regions Bank - I have checking accounts with them. These accounts have debt cards linked to them. On some of my debt card transactions ( not recurring transactions ) I have been charged overdraft fees for insufficient funds. Regions allowed these transactions to go through. Thus, they charged me each time an overdraft fee. 
I did not have the optional overdraft protection that Regions offers. Am I eligible for Regions to reimburse me these overdraft fees they charged my accounts instead of not allowing the transaction to be processed?

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-26
Company: Choice Recovery, Inc.
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I paid the bill off in full. But its still on my credit reports. I have documents that it is paid. Its to choice recovery

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-21
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
CCS companies called for XXXX XXXX regarding my estranged daughters bill. Lady was very rude & at first would not tell me who the bill was for.rude lady kept telling me that I would pay the bill & I had no choice at the beginning she would n't tell me who the bill was for or what the service was for. I told her she could send me a bill so I could see what service I had & she said it was to late for that & then my husband took the phone.XXXX told me that I am not responsible for her bills even on my insurance. I keep her on it just as a responsible patent thing to do. She has n't had contact with us in almost 2 years.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
XXXX/XXXX/XXXX First met with borrowers XXXX and XXXX XXXX who applied for a Loan Modification. All information was sent, however lender kept asking for additional information. XXXX had only been at his job for a couple of weeks and Capital One kept declining the file because there wasnt enough paystubs. We explained this over and over, and we even sent in a letter of employment which was also not enough to lender. They decided to close out the file as of XX/XX/XXXX when I called because of missing documentation they said. The home would be foreclosed on XX/XX/XXXX, and they would not give any options. As of XX/XX/XXXX all the information requested at the time was submitted and I had proof. I asked the file be escalated, eventually the file was reopened. They came back saying on XX/XX/XXXX they needed a new XXXX form which we sent again on XX/XX/XXXX. XX/XX/XXXX they had everything they needed I was told. I was told then the sale would happen on XXXX XXXX, XXXX and that they would not review the file. The file had been escalated to XXXX once again they had closed out the file as of XX/XX/XXXX. They reviewed that they had the documents they needed and reopened the file. Underwritter asked for more documents on XX/XX/XXXX as some of the information became outdated. All the documents requested had been sent. XXXX/XXXX/XXXX Capital One stated they had all the documents and that nothing else was needed at the time. An answer would be provided 5-7 business days. I called back and was told they needed the XXXX, I explained that it has been sent multiple times. They asked the borrower to get the IRS transcripts her self for XX/XX/XXXX and XX/XX/XXXX and submit them. This form has been sent in a number of times, and they keep asking for borrower to resend it. Initially the form was incorrect because a XXXX borrower is also on the loan, but the client had put the information just how they file their taxes. Capital One told them how to fill out the form and whos information to put on it. The form was aparently denied. I was told IRS rejected the form, and then approved, and back to denied. Capital One continues to not process information on a timely manner and eventually the borrower has to pay the price. No Single point of contact has been assigned to this file which is against the regulations. The file had to be escalated twice and it is still not being handled in a correct manner we feel.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-06
Company: BARCLAYS BANK DELAWARE
State: TN
Product: Credit card
Issue: Billing disputes

Complaint:
Barclaycard # XXXXcharged me a {$1000.00} as a transfer from another card that had a XXXX balance. Barclay refused to call the new company to correct this error. I made the call to the previous company and was able to obtain a check for {$1000.00}. Barclay rep told me in XXXX that once the funds were received they would credit the card {$30.00} free plus any more fees/chargesAs of today, they have not and refuse to correct their error. Today the balance is $ XXXXXXXXBalance {$56.00}, {$37.00} late fee, interest {$1.00}. 
All I want is to have the charges reversed and corrected from my credit report

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Called after sent written cease of comm

Complaint:
I have received correspondence from this company both by mail and by phone call. They claim too be collecting for capital one for a credit account opened XX/XX/XXXX and last paid XX/XX/XXXX. I told them I have no recollection of that account and even if I did, that was over 14 years ago and I 'm sure the statute of limitations has expired twice in which to collect on said account. I have asked them on the phone to cease and desist and I have returned their collection letter asking them to cease and desist. I was told today by XXXX that the only way they cease and desist is if I were to go into there office personally and sign a cease and desist form.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, INC.
State: GA
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 is an account that is erroneously being reported on my credit report. This is not my account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2021-01-18
Company: CITIZENS FINANCIAL GROUP, INC.
State: IL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In XXXX Citizens One notified me of an escrow surplus of {$7500.00}. 

The first week of XXXX I contacted them to let them know that I had not received the check. They said they would cancel and reissue. 

The third week of XXXX I got a form in the mail from Citizens One indicating that they could not issue a new check without me completing the form. I completed and returned the form to them the next day. 

XX/XX/XXXX I contacted them to let them know that I STILL had not received a check. They told me that everything was okay and they had mailed the check the previous day. 

XX/XX/XXXX I attempted to contact them via phone but they no longer answer their phones -- instead I had to accept an appointment for a callback on the XXXX. 

XX/XX/XXXX I get a call from Citizens One. They tell me they did NOT in fact mail the check in XXXX, and can't tell me when they will.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2022-05-26
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:
On XX/XX/2022 I submitted a letter to suppress fraudulent information from credit report along with a FTC report, and proof of identity to these companies. They should have received this request on XX/XX/XXXX because I sent it overnight. According to the FCRA these accounts are suppose to be removed from my credit report within 4 business days of being received due to them being fraudulent. The companies have not sent me any correspondence regarding my request as of yet. I've reached out to XXXX and they told me they did not receive my request. There are still accounts on my report that do not belong to me and my federal protected consumer rights are being violated.

Company response to consumer: Closed with explanation
Consumer complaint received 2018-05-28
Company: EQUIFAX, 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: Difficulty submitting a dispute or getting information about a dispute over the phone

Complaint:
I have been released as a co-signer and have no responsibility on the 2 XXXX loans listed on my Equifax credit report. I submitted proof and Equifax investigated and did nothing. I would like these removed from my account

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-19
Company: CCS Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I received a notice from Credit Collection Services for a debt that I do not owe. It claims it is for a cancelled account with XXXX, a company with whom I have never had a relationship. The letter gives many directions on how to pay but does not mention how to dispute or even that I am able to dispute/request validation.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Cash advance fee

Complaint:
On XXXX XXXX, 2015 I made a series of bill payments using my Capital One credit card. I used my Capital One card so that I could gain the rewards points. XXXX of the payments ( {$820.00} paid to XXXX XXXX ) was processed as a cash advance ( unbeknownst to me ). On the same day that I paid my bills with my Capital One card, I also made a payment to Capital One in the amount of {$1400.00} to cover all of the charges that I had made the same day. Now here we are 1+ months later and I learn that I have been charged a {$24.00} cash advance fee, along with a seperate line of interest in the amount of {$11.00} becasue cash advances are charged at a higher amount of interest. I contacted Capital One to find out why my charges were n't just wyped out with the payment that I made and to protest the continued interest on credit card bill for a " cash advance '' that I have already paid back. I was advised that the " cash advance '' did n't post until the following day and the payment had already been allocated. I have also been advised that the only way that I can stop being charged ADDITIONAL interest for this " cash advance '' is for me pay off the " cash advance '' again.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
In XXXX of XXXX I applied for a $ XXXX home equity loan with Capital One ( " Capital '' ). The funds were to be used primarily for home renovation. I submitted all the required documents requested by Captial. I was informed, on XX/XX/XXXX, by the rep., XXXX XXXX, handling my loan application that he needed a Release/Satisfaction of Mortgage from XXXX XXXX. I was surprised because XXXX XXXX ( original mortgage in XX/XX/XXXX and refinanced with them in XX/XX/XXXX ) sold my mortgage to XXXX XXXX XXXX XXXX, who merged then merged XXXX XXXX XXXX XXXX who then merged with XXXX XXXX XXXX. On the same day, I went online to the XXXX County Clerk 's website, my home is located in XXXX County, and was able to pull down, for expediency, an unofficial copy of the Satisfaction of Mortgage from XXXX XXXX XXXX ( " XXXX XXXX '' ). I faxed the document to XXXX. Attached is an official copy of the Satisfaction of Mortgage received XXXX XXXX. XXXX led me to believe that if the document evidenced the transfer, in his exact words " ... will work '' To my deterimnant, I relied on his words and informed my architect to continue working on the plans which resulted in an additional cost to me of {$750.00}. I discovered, on XX/XX/XXXX, while checking Capital 's website and no replies from XXXX or his manager that my loan was denied. There was no reason provided on the site. There was a phone number XXXX provided to call with any questions which I did. I spoke with a rep, # XXXX, he said that the loan had to be completed within a certain amount of days or it will be closed and that a Satisfaction of Mortgage was required. I asked to speak with XXXX 's manager, XXXX, and was told she was in a meeting and would get back to me on the same day. Needless to say, she has never contacted me. To add insult to injury, when I arrived home, I received i the mail from my homeowner 's insurance company that Captial had already designated themselves as the XXXX mortgagee on my policy. I believe that my loan was improperly handled and incorrectly denied. Neither XXXX or his manager appear to be of any assistance in correcting this error. Instead, they choose to ignore a client.

Company response to consumer: Closed with explanation