BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-02-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Billing statement

Complaint:
I applied a Capitalone Venture One Credit card on XXXX XXXX, 2015. Before i applied, i chatted with Capital One 's online customer rep called XXXX for detailed information and benefits of this card on XXXX XXXX, 2015. During the chat, XXXX promised that I will first get XXXX miles reward if I spend {$1000.00} within 3 months and besides that another offer for XXXX rewards miles if i spend at least {$3000.00} within 3 months and he mentioned several times it is the benefits for Venture one credit card. Actually the link i used to apply for Venture One credit card was sent by XXXX and he offered me this XXXX bonus miles before I even asked for it. After the chat, I saved the chat history as a PDF proof. 

Now two months later, I have already spent more than {$3000.00}, and got the first offer of XXXX miles in my account but still have n't seen the second offer for XXXX miles so I contacted online customer rep to check if they can apply it. However, they refused the XXXX rewards miles offer and said it was just a miscommunication and ignores my online chat history as the proof. I continued to talk with customer rep supervisor XXXX but still got the same answer. I feel it is unfair that customer was told differently when tried to apply the card and after you got the card, Capital One changed their mind and refused to give you the original offer they provided, even though I have the proof of the original online chat offer history showing that I am eligible for the offer, so I would like to seek help to see anyone who can help me with this

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-05-22
Company: Ray Klein, Inc.
State: ID
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Information is not mine

Complaint:
professional credit Services placed an account on my credit that does not belong to me and it is damaging my credit. I have tried contacting them to provide proof this account belongs to me and they have not or responded to me for that matter.

Company public response: Company believes complaint represents an opportunity for improvement to better serve consumers
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-08
Company: NAVY FEDERAL CREDIT UNION
State: GA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I was trying to resolve a dispute with Navy Federal Credit Union regarding a mortgage modification I never received the benefit of. They hired some lawfirm that claimed they did n't have to go to court to foreclose. They filed a bunch of papers with a trustee who was gon na auction off my house with no court proceeding. How is this possible? 
So I got my own attorney and had to do a Chapter XXXX bankruptcy. I mailed a check into Navy Federal for my mortgage payment and it came back to me in the mail. My lawyer told me I have to make payments to them directly even while I make my plan payments. I have called XXXX TIMES since trying to find out and all they 'll say is " ma'am you 're bankrupt now, we ca n't help you. " I know I 'm bankrupt but it 's only cause they were going to throw me out of my home without giving me a day in court. Bankruptcy was the only way for me to access the court system. I think it should be unlawful for them not to take my bankruptcy payments. XXXX rep said they 'd " just be back after the house once my case was over. '' HUH??? I 'm trying to pay my mortgage off!!!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-08
Company: WELLS FARGO & COMPANY
State: AR
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX/XXXX/15 I looked at my account online with the intention of paying off the entire " balance ''. The website showed a balance owed of {$22000.00}. I paid the entire amount on XXXX/XXXX/15. Then a couple weeks later I discover ( I ca n't recall if looked on my phone or reviewed a paper statement XXXX that my balance owed was {$120.00}. I called Wells Fargo on XXXX/XXXX/15 to question the {$120.00} balance because I in good faith paid the " balance owed '' on the XXXX. I advised the gentlemen that I wanted to pay this down to XXXX and he advised me that if I paid the {$120.00} ( which I subsequently did on the XXXX ) I would have a XXXX balance. Today XXXX/XXXX/15 I looked on my iphone app and that same account is now showing I still owe {$56.00}. I called and they explained that the {$120.00} was principal owed and the {$56.00} was the interest. If I had not happened to look at my account I would have not known the interest was still owed. As you can see by the attached document the balance owing once again still shows XXXX. This is extremely deceptive and needs to be corrected.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Cottonwood Financial Ltd.
State: TX
Product: Payday loan, title loan, or personal loan
Sub-product: Payday loan
Issue: Struggling to pay your loan

Complaint:
Cash Store on XXXX XXXX XXXX XXXX XXXX, TX XXXX. In this company if you can't make a payment or renew your account you are then stealing there money!! XXXX XX/XX/2020 my Mom received a very rude call from this company saying she has not honor her agreement, and stealing from them too. Also, threaten to take her to court!! She made agreements with this store location that she would make a payment when she could to pay it off completely. When she is done with this process she can never get a another loan from them again. Which I explained to her with her phone on speaker so we all could her the agreement. Have not received a letter from the company about one thing or another. Then she is receiving calls from said company main office and very rude, loud, disrespectful call asking about the money she owes. With so many scammers over the phone how does she know who is calling her? They use different numbers all time and don't always identify themselves clearing who they are either. Why can't they get the agreement from the store and it employee who agreed to it? Why is there constant calls about the same thing over and over. This is still in the month the agreement was made in the first week of XXXX!!!! How can they not understand that if she could be it on time she would?! Also, not her first time getting a loan from this company!!! They need to learn how to approach people better especially when struggling to pay all bills in this time frame.Everyone is trying there very best to pay bills, put food on the table, and a job done. What does adding on more pressure do for this company and people who took out a loan? Is this company going to also blame other consumers for loosing there jobs, extra mouths to feed, or hours cut short?!!! Our they also going to threaten every single person who doesn't or can't pay a loan from them? Is this the natural standard and practice of Cash Store company? Who wants to be talked down to like a child? Threaten? Insulted to pay money you don't have at the moment in time? Can't make payment agreements to the Cash Store because you not sure if money is coming in? Who would ever want to renew or receive a loan of any kind from this location or company again?! Not ever again no matter how much it might helped or helps us!!!!! Thank You, for your time to read this complaint about your very rude and disrespectful staff that you have hired for Cash Store! Good Day!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-18
Company: WELLS FARGO & COMPANY
State: NJ
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I have a fixed rate mortgage with Wells Fargo Home mortgage. I have been paying. {$1800.00} every month. In XXXX my statement showed a payment due for {$1900.00}. This is the XXXX time they have done this in trying to charge me more then what I actually owe. I believe this time it includes an overpayment they made to my local tax office in in my town, They have been holding an overpayment in taxes for months. They contacted me to come and get the money which I never did. Simply because I do n't pay my taxes, It 's included in my mortgage payment. 

Since XXXX they have been holding payments of. {$990.00} in unapplied funds and instead saying I owe them {$10000.00} in order to catch up on payments due. I spoke to HUD the first time they did something much like this. I have been making my payments every month, and have proof of this. They are saying I never made those payments. The payments are reflected in previous statements as {$3700.00}. In XXXX payment increments. But they still show {$10000.00} Total amount due to make loan current. I am extremely tired of the errors this company makes on my statements. It honestly feels like their doing it on purpose at this point. 

I would appreciate it if someone could please contact them on this and correct the oversight. I have already spoke to them myself over the phone and they refused to acknowledge it.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-27
Company: Ability Recovery Services, LLC
State: MD
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
I got an alert from my credit monitoring stating that there was a new collection added to my credit report and when I pulled my report I saw Ability Recovery services. I do n't know who they are collecting for or for what reason, I never received an early warning notice.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-21
Company: Professional Finance Company, Inc.
State: NC
Product: Debt collection
Sub-product: Medical
Issue: False statements or representation
Sub-issue: Attempted to collect wrong amount

Complaint:
None of these options is what I need. I want to know why there are late payment remarks from professional finance after being on my report for nearly a year. Also after they were said to be charged off. This is the first time this has happened with these medical debts.. causing my payment history to go from XXXX percent to XXXX. Iv been build credit and up to this point it increases. Will they put more of the marks on updates??

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Used obscene/profane/abusive language

Complaint:
Dear Capital One, To begin with, I have to choose a an issue which best describes my complaint, so I choose " communications tactic '' and I must choose a sub category, so I choose " used obscene, ... '' etc. There was nothing specific to my complaint with the CFPB. 

I disputed my debt with you in a letter dated XXXX, which you did not conduct an investigation or send me results of your investigation. On XXXX you sent me a letter with regard to my CFPB complaint, but you did not address anything about me disputing the balance of the judgment of {$2000.00} ( which you say I owe you ). And on a letter dating XXXX you sent the attorney I hired - a response to my CFPB complaint ( where your attorney disclosed and made my Social Security Number public ). In the XXXX letter you state that XXXX, XXXX XXXX XXXX is the law firm handling collections on the account. Which leads me to believe you are still attempting to collect a debt without validating my written dispute. This is a violation of several provisions of the Texas XXXX XXXX : XXXX ( a ) You did not make a written record of the dispute and you did not stop ceasing your collection activity. 
XXXX ( b ) You are reporting my account on my personal credit file and failed to cease your collection efforts until the investigation determines the accurate amount of the debt. 
XXXX ( b ) - ( e ) sending me results of the investigation. 
XXXX ( a ) ( XXXX ) Representing any person that the consumer is refusing to pay a nondisputed consumer debt when the debt is in dispute and the consumer has notified in writing the debt collector of the dispute. 
XXXX - Oppression and abuse XXXX - Unfair and unconscionable means XXXX The use of a third party debt collector that continuously engages in acts or practices that are prohibited by this chapter ( Texas XXXX XXXX ). 
XXXX - Injunctive and actual damages XXXX ( e ) - A person who successfully maintains an action under this section for violation of Section XXXX, XXXX, or XXXX ( a ) ( XXXX ) is entitled to not less than {$100.00} for each violation of this chapter. 

Please see the attachment in this CFPB complaint.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-08
Company: RSI Enterprises, Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I continue to receive calls and voice mails from this collection agency and I have told them repeatedly I do not know the person they are looking for. This is a new home phone number that I recently received.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-21
Company: WELLS FARGO & COMPANY
State: NC
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Credit decision / Underwriting

Complaint:
I applied for a HARP refinance loan on XX/XX/XXXX at Wells Fargo. All required documentation ( XXXX signed taxes with XXXX, pay stubs, insurance declaration pages for all homes, credit report with a written explanation of addresses and inquiries ) was provided that day to the bank except for the insurance declaration page for my primary residence which was provided the following morning at XXXX XXXX XXXX. The loan processor has systematically mishandled the loan process from repeatedly requesting documentation that was provided the first day because she had the application pages out of order ; confusing my file with another file regarding a business operation and investors instead of a single family residence with an accessory unit ; requesting signed full year leases from all rental properties to prove rental income ( NOT a HARP requirement ), and other lengthy errors which can be provided from texts and emails if needed. It is now almost three months later the application loan rate has expired and the bank continues to be unresponsive in helping to resolve this issue. Wells Fargo attempting to placate me with explanation of overworked departments and vacation times and that the file has been bumped up to the escalation team but to date no contact or resolution has been forth coming. They plan to have me continue paying a higher interest rate. They have no interest in providing the HARP loan services mandated by the federal government.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-20
Company: CAPITAL ONE FINANCIAL CORPORATION
State: DE
Product: Credit card
Issue: Payoff process

Complaint:
I have received multiple balance transfer offers from capitol one for my union plus card. I have resisted doing one because of this part i can not see being legal based on current laws. I think its in violation of SEC. 104. APPLICATION OF CARD PAYMENTS of the Credit CARD Act of 2009 There flyer states on the back where no other info is printed besides the back of the balance transfers check : " If you pay your balance in full each month. you do not pay interest on your purchases. Please note, After you accept this offer, you will begin paying interest on all new purchases, even if you pay your purchase balance in full each month. To avoid paying interest on new purchases, you must pay your total balance in full ( including balances from this offer ) by the due date each month. ''

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-02
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had my identity stolen and several Credit Cards opened in my name. XXXX of those was a Kohls card. I called and talked to a person at the fraud department at Kohls and explained what happened. I filled out all the paper work and was told they would investigate and it would be cleared up. This account was opened in a city over 10 hours away from me in a store, by a person with a fake ID of me. They told me it was clear I had not opened this account and that it would be cleared up. However the account was never removed and is now delinquent.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Other

Complaint:
My husband lost his job and I was unable to pay my credit card payment for some time. After my account charged off Capital One has sent my account to a collection agency XXXX Attorney 's at Law. I began making token payments every few months and I got a letter from XXXX stating that as long as I continued to pay according to the agreement that we had made they would not take my account to court. I have never spoken on the phone with them, I have never made any sort of arrangements with them. So I continued to make payments when I could, as much as I could. I did not get monthly billing statements, I did not even know what my balance was at any given time. In XXXX 2015 I did finally get a bill stating that I owed {$1100.00} on my account and for XXXX my husband paid off my account for me on XXXX/XXXX/2015. To my horror I just discovered that this firm has filed suit against me in court Case XXXX. To my knowledge my account, although previously charged off, should be paid in full and should be reporting as such to the credit agencies now. I feel that this is a violation of UDAAP as it was deceptive to pretend that they had entered into some sort of an agreement with me without ever speaking with me. I feel it is abusive to continue to collect a debt and even file suit against a debtor that has paid off their account. I feel that it is unfair to not send monthly billing statements to a customer and expect them to know what is owed on a loan. Service providers for large banks should be held to the same standard as the big banks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Other fee

Complaint:
I contacted Capital One about my credit card 's annual fee and what other cards I can get because the one I currently have does not seem worth it. It was assured that my annual fee would be fully waived/credited so I would not have to pay it to keep the card since they were not allowing me to upgrade to the no annual fee card that has the same exact benefits ( even though my credit score is in the range for that card ). My fee recently posted and they now are telling me all they can do is credit {$20.00} of the fee. I feel like I was scammed and this is a bait-and-switch. This is very unprofessional and I feel like I have no power since all representatives I called are not honoring their word.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Other fee

Complaint:
In the case of XXXX different credit card companies, I paid off my entire balance in XXXX 2016 and yet got charged finance charges/interest for this month, XXXX 2016. I called both Capital One and XXXX XXXX and was told, " interest charges accrue daily, were n't reflected in your balance due, so you still owe these fees. '' I paid them each around {$10.00} " interest '' but I do n't understand, how can one pay on time, pay off the entire balance and still get charged interest while having a zero balance? In the past, after I paid off the balance of a credit card, that was the end of any charges.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a complaint about Synchrony Bank. Over the last 3 months, I have been requesting validation of a debt that is listed on my credit report for a Chevron Credit Card. I have been asking for evidence that bears my signature that shows I have a contractual obligation to pay Synchrony Bank. I have not received anything that I have requested and it is still being reported to all XXXX Credit Bureaus.

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 2023-08-01
Company: SANTANDER HOLDINGS USA, INC.
State: TX
Product: Vehicle loan or lease
Sub-product: Loan
Issue: Getting a loan or lease
Sub-issue: Problem with signing the paperwork

Complaint:
On XX/XX/XXXX, my wife and I financed a new vehicle through Chrysler Capital. Chrysler Capital did not deliver all required disclosures at the point of sale included our XXXX to XXXX. As a result, I made a misinformed decision by financing this vehicle on behalf of withheld disclosures. On XX/XX/XXXX, Chrysler Capital received my Notice to XXXX the retail installment contract that is now void. I informed them that I was no longer liable for payment and any form of adverse action such as negative credit reporting and/or repossession would serve as unlawful activity. Chrysler Capital has defaulted on their obligation to repay me for all money I have paid to them to date.

Company response to consumer: Closed with explanation
Consumer complaint received 2023-07-31
Company: Shellpoint Partners, LLC
State: FL
Product: Mortgage
Sub-product: Conventional home mortgage
Issue: Trouble during payment process

Complaint:
In have Mortgage with Shelllpoint Mortgage Services and I have notified them multiple times since late payment have been noted on my account. I have sent bank statements, several letters and multiple calls with no response. My account was paid in good faith on time with use of XXXX XXXX which impacted dates payments were reported. The following months include XXXX, XXXX, XXXX, XXXX, XXXX, XXXXXXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 2023-08-02
Company: Advanced Resolution Services Inc.
State: PA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Received unsolicited financial product or insurance offers after opting out

Complaint:
I received a copy of my ARS report on XX/XX/XXXX and noticed 3 inquires that should not be on the report. On XX/XX/XXXX, I contacted ARS and placed a security freeze on my file. My information should not have been able to be accessed by these banks

Company response to consumer: Closed with explanation