BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-09
Company: Podium Mortgage Capital LLC
State: OR
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I purchased a condominium in XXXX 2015. I have excellent credit with a score of XXXX at that time. I sought out, and got preapproved for fixed interest rate 20 year and 30 year loan terms for 3.75 %. when I made my offer I was told the condo units needed XXXX approved financing and that I would have to use their mortgage company : pinnacle Capital Mortgage XXXX. So I talked to my preapproved banks and they agreed I had to go with such a bank, and they were not approved for it. I went through pinnacle and I am upset that their interest rate was 4.25 %. So, I feel I had no choice but to pay the higher interest rate. All the terms were the same and the only reason the loan officer would state was that " it was a condo '' so I had to pay a higher rate. I just feel this was unfair and should be reported to the proper agency to investigate. They have sold many condo units and was told they provided 90 % of the financing on them. Incidentally, my loan was sold from Pinnacle to XXXX mortgage 1 month after I closed the transaction.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-13
Company: PNC Bank N.A.
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I recently switched bank accounts to PNC and started using it as my primary checking account. My mortgage is also with PNC so XXXX of the first things I did is pay my mortgage bill using the bank 's bill payment service. Since I did not have the payment address, I called to get the address from PNC and then sent a payment to that address. That payment never posted to my mortgage account. Not wanting it to be late, I sent a duplicate payment ... I 'm not sure if that payment has posted yet. Now I have XXXX outstanding payments and am out of nearly {$3000.00} that I need to pay other bills due to the duplicate payment. When I sent a message to customer service from the website, I got a response that was addressed to another customer and said I do n't have a checking account at all with the bank so they ca n't help me!!! This is alarming. I do n't know what 's going on. Please help.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-13
Company: PNC Bank N.A.
State: OH
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
Lost one Receipt for $ XXXX purchased XXXX Cashier 's Checks by cash refused to be cashed with myself as remitter with receipts from PNC Bank . I like the money back. My name is XXXX XXXX Social Security Number XXXX at XXXX XXXX XXXX XXXX, Ohio XXXX XXXXXXXXXXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Stearns Ventures, LLC
State: ID
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company ( Stearn Lending, LLC did not pay my XXXX property tax out of escrow. I received a past due notice from county treasurer office XXXX. I immediately called the mortgage company and the customer service rep told me they will look into it and will get back with me within 2 weeks. Since then, I have made an additional XXXX phone calls to check the status of the situation and each time, they put me on hold, so that the can look at the account and then tell me that they will investigate it and get back with me within 5 business days. I never get a call back from them. I have mailed the orginal of the tax notice and faxed the tax notice per their request. I have even gone on-line and submitted my complaint and I still havent received a reply after 2 weeks.

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 2016-09-14
Company: PNC Bank N.A.
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an online bank account with www.pnc.com a couple of months ago. It was suppose to be a free online checking account. I found that they charge me {$25.00} for 'service fee '. They refuse to refund this money.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-16
Company: PNC Bank N.A.
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I am contacting the CFPB for urgent help as my home has a scheduled foreclosure date of XX/XX/XXXX. I have been attempting to get a modification from PNC Mortgage for years. I had as business that I struggled to keep open for years and eventually closed the business and found employment. I have submitted applications over and over and always closed out for not sending in documents I sent in. I am begging to keep my home I purchased in XX/XX/XXXX for {$260000.00}. The value on this home is approximately {$310000.00} and I owe with arrears close to {$460000.00}. The rate is 5.875 %. I am not even looking for a lower payment, I am just looking to resume making payments. I had filed Chapter XXXX 2 years ago and this made applying for the modification even more difficult through the bankruptcy department. I am hoping the CFPB can forward my complete application to avoid going back and forth over missing documents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: Collection Information Bureau, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
In XXXX of 2012 my identification mainly my social security card and Florida ID card was lost or stolen from my handbag and a sequence of accounts were open and checks cashed in my name. As soon as this was realized, I filed a police report ( see attached ). This account is unknown and was not opened by me.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-13
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Payoff process

Complaint:
After finishing school and relocating, we became a few months behind on our statements with CareCredit/GE Capital Bank due to unemployment. Ultimately, we were past due over {$500.00}. Once stabilized financially, we contacted them several times to work out a payment plan because paying over {$500.00} was too much for us, but we stated to them several times that we were willing to pay back what we owed in smaller more reasonable amounts. They have refused to help us and insisted that we pay back the past due amount immediately. Even after talking to one of their financing specialists, they still stated they were unable to work with us and only referred us to a credit counseling agency. Until then, they told us they would continue to add late charges and interest for missing payments. We feel this is unfair, we have contacted them several times in attempts to make more manageable payments, while they refuse to assist us and continue to increase our past due amount that we are already having trouble paying.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Capital One has been reporting a Charge Off current even though it was charge off since XX/XX/XXXX. I been trying since XX/XX/XXXX to have this debt validated in XX/XX/XXXX they send me a verification letter saying they no longer owe this debt that it was transfer to XXXX XXXX. 
It stated the account was sold and that their records indicate any balance that may be due was transferred in the sale. I never recall any such credit collection company being on my credit report. I currently initiated a dispute again with all 3 credit bureau Capital One is still showing this charge off from XX/XX/XXXX with a balance of {$2500.00} and a high balance of {$2400.00}. I got the result back and Capital One and collection agency verifies that they believe the account is being reported accurately. But what Capital One is doing to the credit reporting agencies a more recent status date, thereby extending the negative reporting of the charged-off account. This illegal practice will hurt your credit score. 

" Re-Aging '' a delinquent account is a serious violation of the FCRA. Once the original creditor reports the FCRA Compliance Date to the credit reporting agencies, it is set in stone. This date can not be changed or updated under any circumstance.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-22
Company: KEYCORP
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I am posting this under Deposits and Withdrawals, but it should go into the Problems Caused by My Funds Being Low because these issues mostly affect those of us who live paycheck to paycheck. I have many years of experience dealing with this fraudulent bank. I am an expert about my checking account. I keep very close tabs on it because I live so close to the financial abyss. I am writing this because I have XXXX overdrafts on my account that I incurred in the last three days because : Key bank routinely applies debits out of order which can result in excessive overdraft fees. Key bank routinely holds payments in the Pending Status long after the vendors have been paid, sometimes up to 7 days. 
When the bank account gets credited for the purchase, the record of the credit to the account is placed earlier than the day and time the account is actually credited. 
Key Bank routinely does not apply changes to the account in a timely manner and also applies debits to accounts out of order. 
Key bank routinely does not apply deposits in a timely manner and holds onto deposits to incur excessive overdraft fees. 
Key Bank reports available balances that are not accurate. 
When a cash deposit is made into an account, the cash deposit is recorded in Pending instead of being deposited directly into the account. 
Key Bank incurs regional ATM fees that show up on the account days after the ATM card has been used.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: RI
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a credit card statement from Kohl 's with XXXX transactions charged to the account totaling XXXX which I did not recognize. I called Kohl 's and it was discovered that these were fraudulent charges. I asked Kohl 's to remove the charges and close the account. I also followed up with a letter. To date, I have not received a response from Kohl 's and when i called again was told the matter was still being investigated.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-04
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My first is XXXX, Last name : XXXX XXXX last XXXX digit of my social XXXX XXXX, XXXX XXXX am residing at XXXX XXXX XXXX XXXX XXXX XXXX XXXX, NY XXXX.This address is commonly known as XXXX XXXX XXXX XXXX XXXX, NY XXXX address was wrongfully reported by capitalone as XXXX XXXX XXXX XXXX XXXX, NY XXXX which does n't match with what XXXX, XXXX , XXXX have on file.In order to fix the issues I spoke to capitalone supervisors, unfortunately they could n't help me to update my real address.I spoke to XXXX XXXX XXXX XXXX is capitalone supervisor.Currently there is fraud alert placed on my equifax, XXXX, XXXX credit report.I 've been victim of identity theft XXXX in less than six months.Capitalone customer service was helpless.I am US citizen, it should n't be some citizens with half rights.Best regards.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX 2015 Capital One Bank USA NA credit card balances were paid off by XXXX XXXX XXXX company in which I am paying them off in the form of a loan. The payments to the bank were considered a charge off and a zero balance exist yet they are still leaving negative comments on XXXX credit report bureaus. Because of the negative comments I am unable to get a loan or open a line of credit with my bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: LEXISNEXIS
State: IN
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: Inadequate help over the phone

Complaint:
I recently divorced and was rescored for my insurance rating and due to information provided to them by a company called LexisNexis that interprets my credit information for the insurance company my rates were raised. Their report to the insurance agency said that I have Accounts with Delinquency, Length of Time Accounts Established, Number of Revolving Accounts and that the length of Time Since Accounts Not paid as Agreed. My response to LexisNexis was1 ) I have had only XXXX 30 day late in the last XXXX years. 
2 ) I 've had credit for XXXX years and the " youngest '' active or cancelled account I have is XXXX and the oldest is at least XXXX years old. 
3 ) I only have XXXX revolving accounts, XXXX are store cards that are rarely used, XXXX card for work and XXXX that were personal. All accounts have credit limits over {$5000.00} that never go above XXXX and are paid off monthly4 ) It 's been XXXX years since my only late payment ( XXXX days on a XXXX XXXX Revolving Store Card ). Is that not long enough since my last delinquency? The mortgage company did n't hold it against me. 
The biggest problem with this issue is that LexisNexis interprets data for the insurance company that then provides me with a rating and insurance premium based only on the " issues '' reported by LexisNexis. The rep I talked to today at LexisNexis said that my " issues '' make me a high risk for a claim. Since I 've divorced recently I also had to get a mortgage. The mortgage was obtained with no problem since I have an excellent credit rating and history plus a XXXX middle score. How can my credit make me a high risk for insurance claims but a fantastic risk for a mortgage. Does LexisNexis earn extra or benefit in some way for reporting me in such a negative light? After a lengthy conversation with the insurance company it seems that the only problem with my insurance rating is the report provided by LexisNexis. The insurance company has confirmed that my claim history is good ( no claims in over XXXX or more years ) and I 've been continuously insured for over XXXX years. The score with my ex-husband was a XXXX even with my better credit history and his at-fault accident. Please help me to resolve this issue and get the rating I have earned. Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My wife and XXXX sons ( ages XXXX & XXXX ) went to XXXX XXXX on XXXX XXXX, 2016. The CapitalOne credit card she was using was hacked on XXXX XXXX, 2016. CapitalOne balanced out the fraudulent charges and closed the credit card account and told us that they will have a replacement card shipped to her, in XXXX XXXX, within XXXX5 business days. I called CapitalOne after 5 days when she did not receive the replacement card and was asked to wait for another day or XXXX. I called CapitalOne again after two days when the card did not arrive and demanded a tracking number and after several minutes on hold, I was told that they had an issue sending the card to the XXXX address, which the rep and I spent nearly 15 minutes to make sure it was correct, and that they took the liberty to send the replacement card to my XXXX home address via USPS and did not have a tracking number available. 
Reluctantly, I waited again for couple more days and never received the replacement card. 
It seems that they do not have any records on file of ever shipping a replacement card to my wife in XXXX XXXX or to me at the XXXX home address at this point in time. 

On XXXX XXXX, I gave up on trying to resolve this issue with the phone reps and decided to take my issue on their corporate XXXX page. I got a response stating that they would relay the message to a group that would call me soon ... which I never got a call back from, but for the interest of being fair, I did ask them not to call me until they had a resolution, meaning, I wanted them to take action to ship me a replacement card as soon as possible. I also sent an email to the CEO ( XXXXXXXXXXXX ) with no response. On XXXX XXXX 2016, with no other options left, I took a chance and sent my wife my CapitalOne credit card with my name on it via XXXX XXXX XXXX mail, hoping that she would not have any problems using it since it did not have her name on it ... and on the same day, I got a call from a rep from CapitalOne who reviewed the issue and took action to send me a replacement card to my home address overnight and the card arrived the next day. I sent the new card to my wife via XXXX XXXX XXXX mail again and she received it today ( XXXX XXXX, 2016 ). The entire process took 28 days and during the process, we were forced to spend what little cash we had while paying for various international bank fees for the transactions with our personal checking account. The vacation was planned for XXXX XXXX to XXXX XXXX, 2016 and nearly half of the time was wasted waiting for the replacement card. I feel that CapitalOne has failed to meet the minimum quality of service and should be liable for their neglect.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I recently got a call for a debt that is past the limits to be reported collection agency collecting for household bank says I owe but this does n't show on my credit report is there any way my rights are being violated since I have not received any letters from creditor or collection agency since 1999 and it 's been over XXXX years since this debt was removed

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Credit determination

Complaint:
My claim # XXXX. My issue with Capital One Bank was not resolved an I would like to take Legal action now. Can you help me again???? please email me when you get a chance. Note-I have all my paperwork and people I spoke with written down ....

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
a credit card with Capital One, had an auto renewal fee, with no statement mailed to me, and added a late fee, over time, I had a reporting on my credit report that had negatively effected my credit rating. I have not used this card in years, if I ever used it. I do not recall getting their card in 2011. I am attaching a page from my credit report. Capital One has reversed the charge on my account, but my credit report is still showing a lower score due to this mistake on the report. Can you have it fully reversed?

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-31
Company: BB&T CORPORATION
State: GA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My daughter was allowed to open a checking account as a personal account at the age of XXXX, without a parent or guardian being required a co-account holder. I was with my daughter when the account was opened and i specifically asked if this was permissible and was told by representative that it was. Her account fell negative multiple times and over a period of less than a year had been charged many many Insufficient funds charges / fees. Where as a parent i felt i was not given the notifications i should have been receiving to coach or even intervene on her behalf but was not allowed because she was the only XXXX named for this " XXXX Account ''. I feel XXXX % the representative did not fully disclose information that made these things clear, and i absolutely feel that despite i was present when then account was open that someone should have disclosed to me in writing with my signature that " I her parent '' was relinquishing my rights to represent my child by all definitions " a minor ''. We have since sought services from another banking institution which is where i learned that by our governed law in the state of XXXX she must have someone over the age of XXXX on a checking account with her as a co-account holder. I feel very cheated by BB & T and i am requesting all her funds be returned to her and that any and all reflecting negative marks that would affect her credit history be stricken from this 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 2016-05-18
Company: ORG GC GP Buyer, LLC
State: UT
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:
GC Services was hired by XXXX XXXX to collect on a debt that belonged to my ex-wife. I wrote them a letter within the 30 days required contesting the debt and requesting verification. In response I received a letter asking that I call a representative to discuss the debt. No verification of the debt was enclosed in that mailing. I called the representative, who merely tried to push me into paying on the debt. I declined to do so, and sent a second letter requesting verification of the debt. They did not send the verification ; instead, they sent me a letter advising me that the debt had been reported to credit bureaus. 

While CG Services has resolved the issue ( after I filed complaints with the State Attorney General 's offices in Idaho and Utah ), it should still be noted that they violated the Fair Debt Collection Practices Act by failing to provide verification of the debt. Which they did n't have ... probably why they would n't send it.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-16
Company: CCS Financial Services, Inc.
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
RECEIVED MULTIPLE LETTERS FOR ALLEGED DEBT. MULTIPLE TIMES, I SENT LETTERS REQUIRING THE THE DEBT TO BE VERIFIED. TO DATE, OVER 90 DAYS REFUSED TO DO SO. HAS SINCE REPORTED THE DEBT TO CREDIT BUREAU 3XS. i WANT IT DELETED.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation