BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-01-13
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: MO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hello : I recently took out a {$180000.00} purchase mortgage with Cardinal Financial Company LLP ( loan # XXXX ) that closed on XXXX/XXXX/XXXX. On the closing disclosures I signed, the estimated monthly payment was listed as {$1200.00} and included Principal & Interest ( {$850.00} ) +Escrow of {$350.00} to cover taxes and insurance. However, when I received the first statement ( for the payment due on XXXX/XXXX/XXXX ), the monthly charge had increased by {$80.00} to a new payment of {$1200.00}. 

When I called Cardinal Financial the week prior to the XXXX/XXXX/XXXX due date to ask about the increase, they indicated that it was probably a charge for private mortgage insurance ( PMI ). I explained that there was no indication on my financial paperwork ( attached ) that there would be a charge for PMI. In fact, it specifically listed PMI as {$0.00}. 

I went ahead and made a payment in the amount of {$1200.00} ( the full amount listed on my closing paperwork ) and I notified Cardinal Financial Company LLP in writing ( by e-mail on XXXX/XXXX/XXXX and through certified mail ) that I wanted them to acknowledge the correct amount of my monthly payment of {$1200.00} in writing and correct it going forward on my monthly statements. 

I have not heard anything definitive from Cardinal, other than to hear that the matter had been elevated to upper management ( that was last Thursday, XXXX/XXXX/XXXX ). 

Since then, I received a letter from Cardinal ( dated XXXX ) that they had received my payment of {$1200.00} but would not apply the payment until they received another {$80.00}. In other words, if I do n't pay this additional amount, they will not credit my account and could report my payment as late. 

As I understand it, this is a violation of TRID rules ( RESPA and TILA ) and Cardinal is obligated to accept the payment in full as indicated on my closing documents. They can not charge additional fees simply because they want to. 

Since I have a high credit score and did make my payment on time ( on XXXX ), I am concerned that Cardinal Financial Company LLP is trying to extort an additional payment they are not due by threatening not to apply my on-time payment. 

Separately, I received notice from XXXX that they have purchased this loan. I imagine they wo n't be too happy to learn Cardinal misled me at closing. 

I could use your help in this matter. 

Thanks, XXXX XXXX

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-05
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Other

Complaint:
My wife had added me as an " authorized user '' on XXXX department store credit cards. Unfortunately, she lost her job and subsequently had to file bankruptcy. The department store 's credit card company started hounding me to make the payments. I explained to them that I was not the account holder but just an authorized user. They continued to hound me so I asked for proof where I had signed an agreement to pay the credit card bills. Of course, their reply was that there was no proof where I had signed such an agreement. I then asked them to stop writing or calling me but they continue to do so. What can I do to stop this harassment? They have also reported this to the credit bureau which has ruined my credit.

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 non-monetary relief
Consumer complaint received 2016-04-06
Company: Quality Loan Service Corporation
State: WA
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To Whom It May Concern, Here is a summary of events on the house my ex-wife was awarded in our divorce over 10 years ago. However the loan was in my name. House payments were behind for several years, Attempts were made by me several times to bring the house current for her. At one point we got a notice to pay current from the mortgage company with an {$8000.00} or so figure with a time limit to pay. We sent off a bank wire transfer with in the time frame. Two weeks later the funds were returned to the bank and we were notified of an error and that they needed almost {$12000.00}. 
After this we tried several attempts through the mail system to do a " loan Modification '' directly with the bank. Each time we were told we filled out the papers wrong and had to start over. We did this 3 times over a 2 year period. 
Then in XXXX we started going up to XXXX, XXXX, to the XXXX XXXX Help Center. We filled out the Loan Modification papers there. 4 times we had to start over. Again we were told some of the forms were not filled out correctly, EVEN THOUGH THEIR OFFICE IS THE ONE THAT HELPS US FILL THEM OUT. This went on for an additional two years till XX/XX/XXXX then they switched our " LOAN SERVICER '' to XXXX XXXX XXXX. 
We had to start over on the loan modification forms. XXXX XXXX we were continuing to get requests for additional information through XX/XX/XXXX. On a phone call to XXXX XXXX servicing XX/XX/XXXX, we were told that we should not be getting any notices because they had already foreclosed the property through a sheriff 's sale XX/XX/XXXX. At this point I quit trying to help my ex-wife as it seemed it was finally over with knowing the foreclosure had occurred. 
My credit began to recover and XXXX XXXX quit reporting to the credit bureau 's any late payments on my Part. Then about XX/XX/XXXX they began reporting me as late payments again. I disputed it and it was removed. But then it showed up the next month and every month since then. And my credit score has dropped more than XXXX points. And I just got a notice from XXXX XXXX that they decreased my credit line due to a recent late payment account. 
My ex-wife was again served a Sherriff 's eviction at the end of XXXX XXXX, and XXXX XXXX XXXX took possession of the home and put a lock box on it. I spoke with them directly on Friday XXXX XXXX, XXXX and they informed me the initial foreclosure was done improperly and so they were having to go through the process once again. I however now did not receive any paperwork or notification and was told that I no longer was a part of the loan. I did not quite understand but accepted it as this was what I wanted to be the case. Now in XXXX they again are reporting this as late and again showing on my credit. This needs to stop. 

Sincerely, XXXX XXXX

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: SYNCHRONY FINANCIAL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
Synchrony Bank issue - I paid my credit card bill early and the credit card company is listing my account as being late and sending harassing certified letters to my home. I have called once and was assured by a representative that it was solved. The next day yet again another certified letter for the same account and reason. I called the company and the only thing I get is we are sorry this is unacceptable business practice and borderline harassment from a creditor to a consumer that is paying their bill on time if not earlier than due.

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
Consumer complaint received 2016-08-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Billing statement

Complaint:
after a wrongful eviction that interfered with my employment XXXX XXXX, XXXX, etc. lawsuit I was living in a third rate hotel as I worked as a pro se litigant. I took out a Capital One credit card because they approached me with a mail. I had a pre-authorization for credit. Little did I know that within a few months the terms and conditions would change. I was offered the opportunity to opt-out. I did, but it was never recognized. The time period was about XX/XX/XXXX-XX/XX/XXXX. The account number is MasterCard Platinum XXXX. 

I had an overcharge of {$0.00} while on Social Security Benefits and I was about XXXX XXXX XXXX, unemployed albeit for acting as a non-attorney in the Federal Court, XXXX vs. State of California, et al, XXXX, published at XXXX vs. XXXX XXXX XXXX XXXX, et al, XXXX XXXX XXXX. XXXX, foot note XXXX. 

I tried to make sense out of the overcharge saying I was protection under regulation Z, Truth in Lending Act, finance charges were illegal. But the credit was sold, and the debt buyer has n't let me off the hook. This is illegal under the FCPA, etc. Dodd Frank Act. On XXXX XXXX, XXXX XXXX, 2010, I have a statement for {$1300.00} which has grown since accruing finance charges. Please permanently remove this credit reporting and balance once and for all and compensate me for the violation three times what they say I owe, restore my credit in full, under the full faith and credit clause of the U.S. Constitution, and pay me attorney fees, and post-interest, any judicial reward I am entitled to for the humiliation of a weaponized shame in credit agency reports with XXXX, XXXX, and XXXX XXXX. Also realize I am now XXXX years old, still waiting for a final review in my XXXX, and XXXX litigations because the wrong agency sent out the right to sue letter and determination for a state employee ( EEOC instead of DOJ ). I am still under severe poverty of only Social Security Benefits and Food Stamps. They claim the APR is 21.150 %. I never agreed to the debt buyer. They have no proof of indebtedness on an old debt sold and resold over the time period.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
In XXXX Capital One Bank informed me that they were no longer awarding mileage on their checking or savings accounts and I could transfer any exisitng mileage awards to my credit card. I subsequently transfered my balance of approximately XXXX miles to the credit card.I was credit with interest income by Capital One Bank in the amount of {$1100.00} for which I have to pay income tax on yet when I checked the cash value of miles on the Capital One credit Card, it was only {$860.00}. I should have a like amount of value on both accounts.Either the dollar value of rthe transfer ( interest incom ) on the bank account should b reduced or the dollar value on the credit side be increased.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-02
Company: CCS Financial Services, Inc.
State: MN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Their representative keep contacting me at work and when I requested for a proof of debt they insisted they will send it but have n't. 

Additionally, when I told them I paid it off with XXXX they insisted I should go online and pay. They never provided me with a log in to their website or how I should access their website. This is n't a trust worthy collector and seems shady. 

XXXX keep saying they 've sent to a third party.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-27
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The creditor is capital one. They are reporting that I owe {$150.00}. I settled the balance in XX/XX/XXXX. They reported it as unpaid in XX/XX/XXXX. They are refusing to update the credit bureau. I called capital one numerous times and they will not correct the records.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-05
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
The manager gave us a letter saying that he would not do a walk through of the apartment required by law because of complaints filed with HUD. 
Then he sent us an illegal bill charging us for new paint, carpets, tile without including the receipts ( also against the law ) Now he hired these illegal lawyers to try to collect. I have filed a small claim case against them but had it delayed because of health problems. 
I demand that XXXX return our security deposit or I will ask the judge to double the amount!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-23
Company: Nelnet, Inc.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a federal student loan for two years of XXXX, both with high interest rates 5.4 % and 6.8 % respectively. My loan term was 10 years with relatively manageable monthly payments, but in an effort to try to reduce my loans faster, I made several larger payments even before my grace period ended, and tried to make big payments so I could pay off my loan sooner than possible. When I was making bigger payments, I would manually enter the amounts I paid towards the principal and interest. I was told that using the autodebit function would reduce my interest rate slightly, so I went with that. I was recently reviewing my payment history and discovered that by using the autodebit function, I was in fact paying a lower and lower share of my principal amount. I spoke to my student loan servicer today and discovered that they apply the amount so that my last payment conforms with the end of my student loan term. That means that by paying more now, I 'm effectively giving more money to the loan servicer over the long term and when I asked if they would revisit my loan term, they said I could request it, but it would not be guaranteed. How is this legal? How can I be advancing my payments and they we able to extract extra money from me because of it.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-31
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Six times since XXXX XXXX, 2016, I have received reports from XXXX that there have been Hard credit inquiries on my credit report that were made without my knowledge or authorization. Each time, I have spent many hours on the telephone with XXXX, Capitol One, XXXX, XXXX, and XXXX. I do not have the energy to fight this any longer. Inquiries that are still on my credit are as follows. 
1. XXXX XXXX, Capitol One Bank USA NA. 
2. XXXX XXXX, Capitol One NA. 
3. XXXX XXXX, Capitol One. 
4. XXXX XXXX, Capitol One. 
5. XXXX XXXX, CBNA. 
6. XXXX XXXX, CBNA. 
There has also been an attempt to open a checking account in my name and with my SSN at XXXX XXXX XXXX a few months back. 
Please help me remove these inquiries from my report with the XXXX credit reporting agencies. None of the XXXX agencies seem to care that these bogus inquiries remain on my report.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CO
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
I had an auto loan with Capital One which I paid off early. My husband mistakenly overpaid the loan amount and we are due a refund. Capital One has refused to discuss with us the dates and amounts they have received. We have been told that no overpayments were collected. We know from our bank statement that overpayments were made.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Other

Complaint:
I am an authorized user on my ex-husband 's XXXX credit cards, XXXX with XXXX and XXXX with Capital One. He has called each of these companies and asked that they remove me as an authorized user multiple times since XXXX, each time they assured him that I would be removed. I refinanced my truck in XXXX XXXX and they told me his accounts were still showing on my credit report. My credit score was XXXX at that time. I never applied for any credit after that, but I pulled my free annual credit report in XXXX and saw that his accounts were still on my credit report. He called the companies again, and was assured that I 'd been removed. In XXXX XXXX I applied for a mortgage loan and discovered that his accounts were still on my credit report, and by then my credit score had dropped from a XXXX to a XXXX. He called the companies again, and was assured that I 'd been removed. Now I just re-applied for a mortgage loan and discovered that his cards are still on my credit report, showing me as an authorized user, and because my ex-husband has gone over the credit limit on XXXX of the cards and has a past due payment on XXXX of them, and has over 30 days delinquency on the other card, all of those factors have negatively impacted my credit score significantly. My credit score has gone down from XXXX in XXXX XXXX to now a XXXX in XXXX XXXX. I do not have any negative items on any of my accounts that I have ever had in my life, or on any of my current accounts. I have never had a late payment, over credit limit, nothing negative whatsoever, my credit was impeccable. And now, because these companies have repeatedly ignored our requests to remove me from his cards as an authorized user, my credit score has dropped significantly and now I ca n't get a home loan. I want XXXX and Capital One to remove me as an authorized user immediately and I want them to restore my credit score back to where it should be.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a letter that fraudulant activity occurred on my Capital One account that I put in my husband 's name ( as a XXXX card under my social security number ). Capital One is refusing to speak with me and close both of cards as they say I am not a account holder on the card ending in XXXX. However, this is not true. I got this extra card for him. The bill comes addressed to me with both my card and my XXXX card charges on it for payment. 

The fact that they are refusing to let me speak to someone that can help me and resolve this an unfair and deceptive business practice. A " XXXX '' with badge # XXXX refused to help me. He would not explain the fraudulent charges, not close the account. 

As I said already. I opened the extra card under my social security number as a XXXX card. Capital One sends me the bill and am expected to pay it, yet they are refusing to discuss the fraudulent activity with me nor close the account. Any fradulent activity with negatively effect my credit rating and credit.

Company response to consumer: Closed
Consumer complaint received 2019-05-11
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:
I never established credit ever. I never applied for any credit my whole life. started to learn about credit 6 months ago. I made a XXXX XXXX  and see someone has been using my identity years ago for credit cards. I didn't give anyone access to my personal information. Below are the accounts. 


1 XXXX XXXX XXXX XXXX opened- XXXX XXXX XXXX XXXX 6 yrs, 4 mos XXXX amount {$0.00} 2 XXXX XXXX XXXX opened- XXXX XXXX XXXX XXXX 2 yrs, 5 mos XXXX amount {$280.00} 3 XXXX XXXX XXXX -opened- XXXX XXXX XXXX XXXX 7 mos XXXX amount {$550.00}

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-13
Company: Empowerment Ventures, LLC
State: CA
Product: Prepaid card
Sub-product: Mobile wallet
Issue: Advertising, marketing or disclosures

Complaint:
I applied for a Rush card and used a referral promo code at that time. I was approved, received the card, activated the card, and have now received XXXX qualifying direct deposits. 

I have fulfilled the terms to receive the referal bonus of {$20.00}. I have spent countless hours on the phone with rush card and am getting the run around.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a capital one XXXX business card for an llc for which I am a member. The card is now reporting to my personal credit report. I called capital one and they said they would switch it to the company credit report. However, they called me weeks later and informed me that they added the TIN to the card but will not remove it from my personal credit. This is not a personal debt. It is the debt of the company, XXXX XXXX XXXX, and paid for by the company. If it were a personal card, it should not have been marketed as a business card and to the business with the business name on it and reporting to the business credit report. If it is indeed a business card, then it should be taken off my personal credit report. One of the other llc members also has a XXXX business card, that includes me on it as well as the business name, and capital one will not allow me to close that account because they are saying that is her personal card, even though it has the company name and tin attached to it also.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-19
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Credit card
Issue: Billing disputes

Complaint:
Questioning my jcpenney account/synchrony bank. I contacted customer service on XX/XX/2016 .they replyed on XX/XX/2016 with stupid answer about interest and rates. there is fluctuation of payments.XX/XX/XXXX $ XXXX-XXXX. XX/XX/XXXX $ XXXX-XXXX.XX/XX/XXXX $ XX/XX/XXXX-XXXX. XX/XX/XXXX $ XXXX-XXXX. I have not used card in a year. balance keep going up instead of down. started with $ XXXX.I have not missed any payments ever. started account in XXXX.since moving to az there have been XXXX with account. I refuse to buy anything from jcp.why pay account out you do n't know the balance.the ceo XXXX XXXX XXXX is no help. This is what discourage consumers who make timely payments. please, please help with fluctuations of payment.bill should be going down. addition of more interest and days than should be.this may not be of interest to some, but I have heard from some other customers the same problem to cook books. 
I do have jcpenney credit card, but will not use it.I was sent information last time when XXXX XXXX became ceo. nothing new.I know interest rules.

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