BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-02-28
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Late fee

Complaint:
I am submitting a complaint about Lowes ' Store credit card. I believe that they have a deceptive practice of not sending consumer bills for the goal of charging them late fees and interests. On XX/XX/XXXX, I made an online purchase for the amount of {$75.00}. On XX/XX/XXXX, I received a paper bill for a total of {$130.00} with a {$35.00} late fee plus some interest. When I called in to the customer service, the explanation is that the bill was sent electronics to my email. I told him that I did not receive any " electronic bill ''. His suggested that it went to the " junk mail ''. I told him that I did not ever recall being asked to accept an electronic bill in lieu of paper bill. 
When I went online, I discovered that for the same purchase, I was also charged a {$25.00} late fee in XX/XX/XXXX. 

I found Lowes ' Credit Card 's management company XXXX Bank totally deceptive in it practices.

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 2016-12-17
Company: CAB Receivables, Inc.
State: GA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
A company I have never heard of named CAB Collection Agency is reporting several negative derogatory accounts to XXXX, and XXXX consumer reports. I have no knowledge of said accounts. I demand that this company deletes accounts from all XXXX major credit bureaus. If CAB Collection Agency can not provide me with original paperwork that bears my signature to verify that these accounts belong to me, then they are reporting unverified accounts to XXXX and XXXX because I have NEVER done any business with any company named CAB Collection Agency in my life.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-16
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: VA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid off a XXXX XXXX Bank credit card XX/XX/XXXX. There was several late payments, but the card was paid in full. I have Bank Statements showing this. XX/XX/XXXX, Portfolio Recovery Associates filed a lawsuit stating I owed them money. We went to court, but before we went in, I showed them the paperwork and they asked the case be dismissed. Now, they have filed suit against me for the same amount. While going through their paperwork, I realized they do n't even own my account. We are going to Trial this next Thursday and I have asked for a Court Reporter to be present so I can have documentation of what they say during the trial. I have now missed multiple days of work, I 've had to pay for official bank records, and I 'm very stressed about something I should not have to be going through. It must be illegal for them to do this, especially when they already have all the documentation that this debt is paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-12-18
Company: TOYOTA MOTOR CREDIT CORPORATION
State: IL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
XXXX continues to report accounts on my credit report every month as late and the following accounts are not active. I have disputed with XXXX to STOP reporting false information on my report and they continue to report false information.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-07-05
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MS
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a debt that was owed to XXXX. The account was bought by a debt buyer. The debt buyer hired an attorney to collect the debt. They filed a lawsuit. I paid the debt and the courts dismissed the case. The attorneys office also sent a letter stating the debt was paid. The debt buyer continues to report money owed on my credit report. I provided them with the same documentation that I am providing to you. I have disputed this information on XXXX times. they continue to say I owe them money.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-26
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: NY
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My mortgage company, Webster Bank, NA, is charging me {$5900.00} for hazard insurance, because they claim that I have not provided proof of hazard insurance coverage. I provided proof of hazard insurance coverage six times by fax as well as once by mail. I have called the bank 's insurance company approximately 5 times. Each time they send me a letter stating that I must provide proof of hazard insurance coverage -- the same hazard insurance coverage I have been providing over and over again. The bank is violating the terms of the mortgage by charging me for hazard insurance when the building is already covered with adequate hazard insurance. They seem not to care about this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: TX
Product: Credit card
Issue: Other

Complaint:
I applied on XXXX XXXX for my first credit card, a secured USAA card and was accepted for a card on the XXXX of that month. I paid the XXXX dollar deposit for the secured card and had problems verifying, which we resolved just fine - and I was told about a week after successful verification that my card was on the way ( XXXX XXXX ). It was also stated clearly in the email that this card would reach me in no less than 10 business days. I was excitedly waiting, but the card never arrived. I updated my shipping information and had the first one cancelled after 14 business days ( XXXX XXXX ) and another sent - I received a letter 2 days after this update saying my contact information was successfully changed, but still no card. I waited another 17 business days ( much longer than they proclaim it will take ) before calling and speaking to a rep named XXXX. She promised to expedite a card to me ( fees waived ) and that it would be here Thursday, which was yesterday. I checked the mail both today and yesterday, and received other mail, but still nothing from USAA. This is the 4th time I 've been expecting a card and not received one, but they did n't even have the time before this on record! I 'm livid ; I have been expecting this card for six and a half weeks! It 's been 40 business days and not a single card has reached me despite the letter I received to my address. Is there anything we can do about this? I lost money that could 've been used for so much other stuff and was broke in college just trying to get this card. I 've wasted so much time waiting for it.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-10-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CT
Product: Credit card
Issue: Billing disputes

Complaint:
I was charged twice for a payment on XXXX/XXXX/15. I contacted Kohls and also my bank to let them know. I was told by Kohls I would be receiving a refund for the duplicate payment. On my next bill ; I was charged again for the {$29.00} and assessed a returned bank fee of {$25.00}. I contacted customer service and they were of no help. I told them to cancel my account. I should have a credit balance of {$30.00}. I have enclosed copies of all my documentation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-26
Company: Fay Servicing, LLC
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan servicing, payments, escrow account

Complaint:
I had my mortgage with XXXX XXXX initially and they sold my mortgage. Fay Servicing has been the company that services my loan since it was sold. I have always paid my mortgage on time never missed a payment and kept my insurance current and adequate. I have always had flood insurance as well as homeowner 's insurance. 
The problem started this XXXX, XXXX with a letter from Fay Servicing asking for evidence of Flood insurance which I sent them. My insurance company had sent them a copy when I renewed the policy in XXXX XXXX, but I sent it again like they asked. In XXXX, XXXX they asked for evidence of increased coverage which I sent them. I had {$150000.00} coverage that I had increased to {$160000.00} back in XXXX, XXXX when I renewed the policy which more than covered my mortgage which was {$120000.00} at that time. In XXXX, XXXX I got another letter stating that they took out a {$50000.00} mortgage policy at a cost of {$450.00} which they put in an escrow account. I then called and was told that if I increased my coverage to within {$5000.00} of my homeowner 's policy they would remove the charge. I called my insurance company and for {$3.00} I increase the flood insurance to what it needed to be. Countless calls to Fay Servicing and spoke to about 20 different people who said the charge, which had been reduced to {$130.00} would be removed. It was not. The last supervisor I spoke to, said the charge should and would be removed. I would call every few days because no one ever called me back. The last time I called her she told me that the charge would not be removed because they did everything right. She gave me the name and number of her supervisor and I have called and left about 5-6 messages for him to call me starting last Thursday, and he has not called back. The company also has assigned me about 4 different people to manage my account so there is no consistency in management. 
Just to review, I always pay my mortgage on time, insurance both homeowner 's and flood is paid on time and always kept current no lapse in coverage. I have had flood insurance since I have lived here and it has always been less than the amount of my homeowner 's insurance, but more than my mortgage and what my house is worth, and was never told it had to be the same as the homeowner 's until after they took out the extra insurance, in XXXX XXXX. They had not communicated to me what the insurance needed to be and I had no way of knowing, since I have been consistent in my coverage ever since Fay Servicing took over my loan.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-13
Company: WEBSTER BANK, NATIONAL ASSOCIATION
State: TX
Product: Bank account or service
Sub-product: Savings account
Issue: Account opening, closing, or management

Complaint:
HSA BankXXXX XXXX XXXX XXXX, XXXX XXXX XXXX, WI XXXX XXXXOn XXXX XXXX, 2015, I received a notice that my account had been inactive for XXXX years and it was going to be closed. During this time I had made multiple calls regarding the account, have accessed my account online, and on XXXX/XXXX/15 transferred {$2000.00} from my investment account into my cash account. Also I was unable to reset my password to access my account and the answer to the question of my father 's middle name was deemed incorrect once I was able to reset my password with telephone help from the bank. Something is not right and should be investigated. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-28
Company: AES/PHEAA
State: OH
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I CONTACTED THIS COMPANY REQUESTING VALIDATION REGARDING THIS DEBT, THE ACCOUNT AND THE INFORMATION REPORTED ABOUT THIS DEBT. THIS COMPANY NEVER RESPONDED TO MY REQUEST OR SENT VALID DOCUMENTATION TO VALIDATE THIER CLAIM. THE COMPANY NEVER GAVE ME AN OPPORTUNITY TO DISPUTE THIER CLAIM AND THE NEGATIVE INFORMATION THAT THEY HAVE REPORTED TO THE CREDIT BUREAUS. FIRST OF ALL THE INFOMRATION THEY HAVE REPORTED IS TOTALLY INCORRECT ; THIS ACCOUNT IS NOT IN IS NOT CURRENTLY IN BANKRUPTCY, AND IT IS CURRENTLY IN A WAGE EARNER PLAN WHICH IS INACCURATE INFORMATION ON MY CREDIT FILE.THE CHAPTER XXXX BANKRUPTCY WAS DISMISSED IN XXXX AND ALL OF MY LOANS ARE CONSOLIDATED WITH ANOTHER LENDER. THIS ACCOUNT IS NOT IN BANKRUPTCY AS I HAVE DISPUTED WITH THE CREDIT BUREAUS. THE CREDIT BUREAUS CLAIM THAT THIS COMPANY VERIFIED THE ACCOUNT AND INFORMATION AS ACCURATE AND I WOULD LIKE TO KNOW HOW. I WOULD LIKE TO KNOW WHAT DOCUMENTATIONS TO THEY HAVE TO VALIDATE THIS ACCOUNT AND TO VERIFY THAT THE INFOMRATION THEY HAVE REPORTED TO XXXX IS ACCURATE. BY LAW THEY WERE SUPPOSED TO RESPOND TO MY REQUEST AND VALIDATE THIS INFORMATION WITH COMPETENT EVIDENCE AS I SENT THEM A LETTER VIA XXXX MAIL AND NEVER RECEIVED A RESPONSE. THAT IS A VIOLATION OF THE FAIR CREDIT COLLECTION ACT, AND THE FAIR DEBT REPORTING PRACTICES ACT.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Credit card
Issue: Advertising and marketing

Complaint:
I applied for a CapitalOne Venture credit card. I heard nothing back for several weeks then I received XXXX letters. XXXX letter congratulated me for being approved. The XXXX letter contained the Venture Visa card. And the XXXX letter warned me that a 'FRADULENT CREDIT CARD ACCOUNT MAY HAVE BEEN OPENED IN MY NAME! '' Since I had not activated my CapitalOne Venture card, as yet, I called the number provided. 
Now starts the problem. I called the number located in the XXXX and spoke with " XXXX '' All this representative would do is repeat the same thing over and over again not really listening to my questions. She continued to read from her script asking me to resubmit all the information I had originally submitted in my application. No matter what I asked she wanted my " SS number, date of birth, etc. '' Since I was getting nowhere I tried again a day later -Same thing this time with " XXXX '' 15 minutes of repeating the same script. 
It was at this point I decided to write to CapitalOne in XXXX XXXX XXXX, UT. That was over 10 days ago - no answer to date. I have now decided to not activate my Venture card and just get my name off their records and close the account. 
Sounds easy right? Guess again. 
XXXX more calls to their customer service number First with " XXXX '' and then with " XXXX '' after 20 minutes of hearing that " if I wanted to close the account I needed to send them personal information. I came away with the same answer " Call us back ... .. '' Part of my complaint is if companies are selling products and have a customer service number, at the very least they should representatives who are capable of answering questions and then directing you to the next level. 
Speaking to someone XXXX XXXX miles away, who in parrot like fashion, only repeats the same scripted sentence or XXXX over and over again is not what the buying public wants. In addition, expecting anyone to give personal information to an individual because they are using an XXXX type name ( with a heavy accent which is difficult to understand ) is not my idea of a sound business practice. 
What I do want is to cancel all financial contracts with CapitalOne Visa Card. Since I have not activated my XXXX card I would like a letter from CapitalOne stating that the account is closed " at the request of the customer ''. The letter should state that no negative information has been sent to any of the XXXX major credit reporting bureaus which might impact my credit score or standing

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-17
Company: PROVIDENT FUNDING ASSOCIATES
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I had hail damage to my house ( primarily the roof ). The insurance company made the check out to me and my mortgage company, Provident Funding. Provident funding asked me to endorse and send the check to them, but they would not provide me in writing the procedure and terms to get the funds released. I am wary to give them the funds unless I have the release procedures in writing.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-07
Company: AES/PHEAA
State: OH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Can't repay my loan
Sub-issue: Can't get flexible payment options

Complaint:
I was in school for a long time. I received an XXXX degree and wanted to further my education. I went on and received a XXXX degree and then went on to receive my XXXX which again had another XXXX within the program. I owe XXXX in debt XXXX for federal loans and XXXX private loans. I should have not finished college. One of my private loans I had to make payments while I was in school. During this time my husband lost his job. So I was in a program which then I had to take private loans to manage everything. My last semester I was considered part time and My loans all became due. I had to take a test to get my licensed to get a good job and it took me about 4 months by then I had XXXX judgement and most of my loans were sold. So when I finally got out and was licensed I had no idea where all my loans were. I had XXXX with AES and I asked them to give me one payment. They would not do this I had several payments everywhere I was so far behind just getting out I only paid a few of them. Now I had that judgement from educap which they sold my loan to a attorneys office. It has been 5 years almost and they just now garnished my wage. I also same time now have another XXXX National Collegiate sold to attorney and they are garnishing my wage I do n't know what to do I am unable to consolidate due to my credit score. I am considering bankruptcy. However, I have spoke with XXXX diff attorneys and received XXXX different scenerios. Please help. XXXX XXXX,

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-28
Company: AES/PHEAA
State: TX
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
Before I XXXX in XX/XX/2008 I co-signed my wife 's private student loan since I was employed and she was a student. I came home from XXXX totally and permanently XXXX. My only source of income is VA compensation and XXXX. My wife left me and got a divorce about a year after I returned. I have been making monthly payments to her student loan company for a few years now. I have never missed a payment and my ex refuses to take responsibility. I have made every payment but have also pleaded with the private lender to release me as a cosigner. They have refused, even after I have sent in a copy of my VA award letter stating I am a totally and permanently XXXX veteran and I need my XXXX income to survive. I have pleaded with my congressman and senator to write a bill giving cosigner relief to totally and permanently XXXX veterans. The XXXX Bank XXXX XXXX XXXX is XXXX of the lenders. Since I am a XXXX veteran from XXXX the service members civil relief act extends past my service. I informed them since I am a XXXX veteran they have to at least give me a 7 % APR under the Service Members Civil Relief Act and that request was denied. I believe that might be illegal.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-20
Company: AES/PHEAA
State: OR
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:
This is a follow up in dispute of FedLoan 's practices as described in my previous Complaint # XXXX. On XXXX XXXX, 2017, my dispute explains that althgough Fedloans has agreed to reverse the forbearance they forced onto my loans after I called them out ; they proceeded to implement the same issue- a new forbearance, on XXXX of my loans. 
I do not know why they insist on forcing these forbearance 's on me, especially since all I requested was a re-calculation of my loan payments. 
Why ca n't Fedloans just let me keep paying my bill until they give me my new payment amount? 
I believe that Fedloan Servicing is forcing forbearances on people under the premise of waiting for the calculation of new monthly payment totals. 
I have attached the interest notice that I received in the mail. 
Again- I did not ask for a forbearance.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-02
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
On XXXX XXXX, 2015 I received an email from a XXXX XXXX regarding " renting '' my home that I am currently living in. She said she wanted to know if it was still available? Left her email and phone number for me to contact. Upon contacting her I advised her that my place is not for rent and demanded to know where and who she obtained my personal email, name and phone number from. She said she joined a website called date.capitol and that my property was listed by my mortgage company. My mortgage company is Ocwen and my mortgage is currently current. Two months prior I had been late with my payments, but since then I have brought the account current. I immeditaly contacted Ocwen to find out if they had my account in a foreclosure status because the date.capitol website indicated that they dealt with foreclosed properties?? Of course, they told me that my account was current and that they would never sell my personal information. This is NOT true, how else would this company receive my personal information, email and cell phone. Ocwen has that information is selling homeowner information to fraudulaent websites and companies. I am very concerned about dealing with Ocwen and this person contacting me to inquire on renting my house? Ocwen is giving my personal information as if I 'm getting ready to foreclose and selling my information to fraudulent companies. I need help in investigating this. Again, the lady I spoke with said she joined this website for {$120.00} and was told that the information is inside info coming directly from the lender! In this case OCWEN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-22
Company: Cooper Hoffman Klein Associates
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
I received voice messages repeatedly about a debt I am not sure I owe. This company keeps threatening me to take me to court in XXXX XXXX and will not offer me information about the debt. When I spoke with someone finally he became very rude and would talk over me and would not let me speak then he hung up on me. I do not feel this is a legitimate debt but most importantly I think they are using illegal scare taticts.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation