BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-07
Company: SYNCHRONY FINANCIAL
State: MO
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
I made a credit card payment for XXXX and Synchrony Financial received it on the last day of their XXXX cycle ( I made an early payment ) and they now say I did n't make a XXXX payment at all and they are charging me " late payment '' fees and my minimum payment has gone from {$67.00} to {$160.00}. I have contacted them XXXX times in the last XXXX days and they removed XXXX late fee and said that is all they can do. So my minimum payment went from {$200.00} to {$160.00}. This is all because they received an early payment.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Shopping for a loan or lease

Complaint:
Background : I filed Chapter XXXX BK in XXXX, and XXXX XXXX in XXXX. The Chapter XXXX is satisfied and all payments paid ( at least 1 year paid off ). My XXXX credit score is XXXX as of XXXX/XXXX/XXXX. 

I noticed that SYNCB/JC Penny continues to report status " was in chapter XXXX Bankruptcy '' -last reported XXXX. Is that appropriate reporting? All the other creditor reported once in XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-09
Company: BARCLAYS BANK DELAWARE
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
I was shocked when I reviewed my credit report and found late payment on the dates below : XXXX 2016. 

I am not sure how this happened, I believe that I had made my payments to you when I received my statements. There was a {$6.00} or so interest that moved over from the previous month after I paid my card off and honestly did not know there was a balance. I contacted you guys and paid my card off right away.

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 2016-06-18
Company: SYNCHRONY FINANCIAL
State: SC
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm getting repeated calls from Synchrony Financial. I am only a month behind in payments and intend to make my account current this month. I am receiving up to XXXX calls every day including nights and weekends. I just want them to stop harassing me.

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 2016-03-19
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Privacy

Complaint:
I have a CareCredit account with Synchrony bank. called to pay my account in XX/XX/XXXX fotr the balance on my deffered interest charges. they were not willing to work with me, after numbers of calls i stop payments so they called me by then they had already charched all accumulated interest on the card. I set payments for them to withdraw payments from my personal checking account. I not only have to pay the highest interest on the cards but now that I would want to pay another deferred interest charge on the same account they would not speak with me, because i said that i consulted a financial advisor that also serves a a lawyer for my financial issues. they ask me to call another department that they are not able to tell me who they are. I asked why are they giving my personal information to some one that they can even tell me who they are? All no where in my disclaimer or card notice it says that i am not able to contact a finacial lawyer for my personal finances. i have not receive a call from them and the number i call does not have a business name then you call, goes to a personalized voice mail. mypromotional deferred interest is expiring and they are not willing to take my calls because i mention that i spoke to a financial advisor lawyer in regards to my credit.. they have giving my peersonal information to an identety that they are not able to tell me who they are??

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 2016-04-19
Company: BARCLAYS BANK DELAWARE
State: SC
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I closed my Credit Card account with Barclay Bank in XXXX XXXX. On XXXX XXXX, XXXX I was notified by email that I have a new charge on the account. I called Barclay and they confirmed the account was closed but said they charged the account because it was a subscription charge. I stated that does not matter the account was closed - no new charges should be allowed.

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 2016-07-08
Company: CITIBANK, N.A.
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
I took a loan with CitiMortgage. The loan included PMI. I made a large principle reduction to get the loan down to 26 % loan to value even though the loan was only 9 months old. Citi requires that I pay {$380.00} for an appraisal so I can save the {$59.00} per month PMI.

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 2016-03-25
Company: Emmett L. Goodman, Jr., LLC
State: GA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
I obtained a non-secured loan from XXXX in XXXX after being forced shaped out of the XXXX XXXX. I was unemployed for 9 months and had to relocate from FL to GA but was paying $ XXXX/month on the debt. The loan was sent to XXXX XXXX and XXXX where I continued to pay $ XXXX/month due to extended unemployment. In XXXX XXXX, while checking my credit report, I noticed that the debt was now a judgement. I had never been notified of potential legal action. I NEVER received any type of notification from XXXX XXXX ( or the law office ) informing me of the judgment. I NEVER received any type of documents from the XXXX XXXX XXXX allowing me the opportunity to respond to the claim. I DO NOT deny the debt. The debt is my debt ; however, I dispute the fact that it was placed as a judgment especially since I was paying as agreed. I am a Veteran of the XXXX XXXX XXXX and have endured many obstacles in the last few years and was just starting to recover until the judgement was placed on my credit report. Again, I am responsible for the debt ; however, I do not agree with the debt being placed as a judgement and I believe that I did not receive my consumer rights to respond prior to the debt being placed in judgement.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-25
Company: Ocwen Financial Corporation
State: MA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
We had trouble paying our mortgage after our trial modification because of problems with getting paid through the commonwealth of Massachusetts. The my father got very sick and has since passed away do I could n't not work. So we applied for the making homes affordable tier XXXX. Of course ocwen is dragging their feet and have put us into foreclosure. They keep requesting new paperwork. We received a bill stating that if we paid the {$15000.00} in back payments we could be reinstated. We can do this when we get my fathers life insurance but that takes a month. Now we have real estate agents calling us constantly and putting our house up on a website for foreclosure ls. All of this is happening while trying to morn my fathers recent passing.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: The Affiliated Group, Inc
State: OH
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I noticed a derogatory medical reporting on my credit bureau and called XXXX at XXXX EST and spoke with a male names XXXX XXXX He stated this was a debt from XXXX. I advised its a small amount happy to pay but need proof of payment. XXXX state they did n't provide and write letter of PIF. 
I advised need this to confirm I paid off this debt and to whom the debtor was paid off to and for. Rep refused this information. 
I said then in this case I am disputing the debtor per my Right under the FDCPA to confirm the debtor in which I 'm paying and to whom is demanding the debt be paid to. Representative refused. He stated they only have to comply if request is in writing and that I have owed this bill long enough and should need anything further to pay it. 
I reminded him that FDCPA states if requested VOD must be provided if requested. I informed him I would be reporting this to CFPB and requested a supervisor if he will not process vod request. He transferred me to an empty voicemail with no ID. I left a message and am now submitting this complaint. 
also REMOVE FILE FROM MY credit BUREA AND CLOSE BACK TO THE ORGINAL CREDITOR FOR PAYMENT.

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 2015-09-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NY
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Portfolio Recovery Associates - they have been calling me and I do n't know what this is in reference to or if it is even legal. As I read through the article in the XXXX XXXX about the CFPB, I see thatPortfolio Recovery Associates is mentioned : " Last week, the bureau announced a crackdown on the nation 's XXXX largest debt buyers -- companies that purchase uncollected debt for pennies on the dollar and then try to squeeze payments from consumers by threatening lawsuits and damage to credit ratings. XXXX of the companies, XXXX XXXX XXXX, is based in XXXX XXXX. The other, Portfolio Recovery Associates, has its headquarters in XXXX, XXXX '' I would really appreciate it if this could be checked into for me. Thank you so much.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: Caliber Home Loans, Inc.
State: AK
Product: Mortgage
Sub-product: VA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Previously filed a complaint due to mismanagement of my escrow account by Caliber Home Loans. CFPB Claim number XXXX. Received a response from Caliber regarding refunds issued for the incorrect and lost payments withdrawn from my escrow account and correct payment issued on XXXX/XXXX/XXXX for my full XXXX property taxes. Before all the corrections were made, Caliber issued our XXXX IRS Form XXXX which reflected the incorrect amount for taxes paid. I disputed their initial response as well as emailed the Caliber complaint department notifying them of the incorrectly reported taxes paid for the year in block XXXX of our XXXX and I requested a corrected XXXX. I never received a response to either of my written requests. I then called the Caliber Tax department on XXXX/XXXX/XXXX and spoke to XXXX ( Teller ID # XXXX ) who informed me that she spoke with a manager and the manager stated that they would not be issuing corrected XXXX because Caliber does not report this information to the IRS and that I should go to my taxing authority to get the correct amount. I informed her that I do n't believe that is an appropriate answer as I am required by the IRS to use these forms provided to complete my tax return. They have incorrectly reported the amount in block XXXX and should issue a corrected XXXX. She stated they would not issue a new form so I advised that I would be filling a new complaint to address this because I do not believe that is appropriate business practice to provide false amounts on an official tax document used for tax reporting of my personal return for XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-14
Company: VW Credit
State: NJ
Product: Credit reporting
Issue: Credit reporting company's investigation
Sub-issue: No notice of investigation status/result

Complaint:
Please be advised that under Section 611 ( 5 ) ( A ) of the FCRA - XXXX are required to " ... promptly DELETE all information which can not be verified. '' Under The FCRA in Section 609 ( c ) ( 2 ) ( E ) it states : " A consumer reporting XXXX is not required to remove accurate derogatory information from a consumer 's file, unless the information is outdated under section 605 or can not be verified. '' Pursuant to the Fair Debt Collection Practices Act, I request verification/validation of the debt including the following :

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: Delta Outsource Group, Inc.
State: MN
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 keep receiving continued calls ( many times per week ) from the following number ( XXXX ) for a debt owed by my adult son who does not live with us. I have told at least XXXX different people to stop calling and they promise that they have put our number on a do not call list, but they continue to call.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I send a domestic wire transfer from my CapitalOne Bank account to my friend who has an account in XXXX. The XXXX got returned because the account number provided by my friend was closed ( error on my side ). I send a wire for {$1700.00} but the wire got returned for {$1700.00} i.e. {$45.00} were deducted from original amount for some sort of return fee. In addition there was a {$25.00} fee charged to my account for sending the original wire and a {$15.00} fee was charged for incoming wire. I tried to explain my bank that this was unfair as i should not be charged for return wire as well as original wire + incoming wire as this is same transaction that was returned. It Seems outrageous to get charged {$85.00} XXXX XXXX ) penalty for return wire in my own account. I would have been ok if there was a nominal fee charged for my error ( giving wrong account number ) but getting charged 1750 % XXXX interest rate ) for a penalty seems far outrageous

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
I received an email message from Capital One on XX/XX/XXXX indicating that my checking account had been over-drawn. I logged on to my on-line account and realized that Capital One had debited my account with a check belonging to another account. I immediately sent an automated message to dispute the transaction. The following day, I called customer service to follow up since I had not received a response. The agent reversed the overdraft fee but indicated that the actual transaction would not be reversed for 2-3 days. 
I again followed up on day 3 and then was told that the reversal would not take place until XX/XX/XXXX. The customer service supervisor did indicate that he would " temporarily '' reverse the debit so my funds would be available to me. The incredibly disturbing issue with this entire transaction is the fact that I am able to see an image of the check written from a different account ... routing number, account number, customer name and address, etc ... a complete lack of security. What would stop this error from occurring again with one of my own checks being debited to a stranger 's account, allowing them to easily obtain my personal information. Capital One needs to put immediate corrective actions in place to avoid errors like this and to avoid breaches of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
A person opened a Capital One business credit card in my name and charged {$27000.00} in XX/XX/XXXX. I do not have any credit card accounts with Capital One. An adverse account notice was found with Transunion.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-01
Company: Jim Bottin Enterprises, Inc
State: CA
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:
I cancelled my gym membership for XXXX XXXX XXXX XXXX XX/XX/XXXX. I paid my {$20.00} fee. I have the receipt. Then collection calls began arriving. I was told I owed for XX/XX/XXXX and XX/XX/XXXX even though I was no longer a member. I have my yellow sheet showing my membership cancellation and cancellation of the contract with a XXXX balance owed. I sent proof to the collection agency ABC Financial Services of XXXX, AR XXXX of my receipt, and the cancellation showing XXXX balance, but they keep calling, I contacted XXXX XXXX XXXX four times by phone and visited twice in person and was told it was taken care of. I contacted their corporate office and was told it was not their problem, it is the franchised gym 's issue. No one will help me. Today ( XX/XX/XXXX ) I received yet another collection notice. They call me daily and now are sending mail all for {$20.00} they say that I do, which I do not. It 's not even the money, which is {$20.00}, it 's the harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-05
Company: SCOTTRADE BANK
State: CA
Product: Bank account or service
Sub-product: Savings account
Issue: Making/receiving payments, sending money

Complaint:
Scottrade is good in that it offers good promotions. 2 months of free trading practically and a bonus once you bring in new money. I 've done several XXXX trades with Scottrade, and the executions seemed ok for the most part. Free trades are always good to have but yes they will eventually run out. 

The XXXX complaint I do have with Scottrade is that withdrawal limits are extremely low. First you have to transfer your funds from your brokerage account to your scottrade bank account, which takes a few seconds, so that 's not a big deal. But the limits are as follows to withdraw from your Scottrade bank account to your external bank account via ACH - $ XXXX max per day and $ XXXX max per rolling week and $ XXXX max per rolling month. So if you have a $ XXXX portfolio, for example, and want to extract your funds, you have to either get a check from them, or go to their office and get a wire transfer form. They may waive the fee for it, but your receiving institution will still charge a small fee perhaps. It 's just a hassle. I know XXXX and XXXX have very generous ACH external transfer limits. Scottrade, on the other hand, should learn from the big boys.

Company response to consumer: Closed
Consumer complaint received 2015-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MA
Product: Credit card
Issue: Delinquent account

Complaint:
Hello, I had a credit card with Union Plus. Union Plus was purchased by Capital One. I missed a few payments because I was out on maternity leave and never really got caught up. I tried to get on a payment plan but there was not XXXX available for my financial situation. My account was charged-off by Capital One but they did not ever put my account in their Collection Department or Recoveries Department and both exist. I believe put my account their because it was not an original debt with Capital One.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-12
Company: Simon's Agency, Inc.
State: NY
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
A few weeks ago I got a credit report alert stating that a negative item was reported on my credit report. After I log in to check it out I found out that a collection agency name XXXX agency on behalf of XXXX and XXXX was reporting information to the XXXX credit bureau without validation of the alleged debt. I called the agency and spoke to the first rep and I informed him that why was negative item being reported to the credit bureau and this allege debt is not validated and I requested that the debt be validated. He refuse to hear what I have to say and I requested to speak to a supervisor and one came on the phone with the same attitude stating that they requested a bill from the original creditor and as soon as they get it they will forward it to me. I told them that this is not satisfactory because the alleged debt should have been verified before they put a negative mark on my credit report. Up to this date I have never received any correspondence from XXXX agency or XXXX and XXXX who they are supposed to be represented. I have never received any validation on this allege debt. Reporting negative information to the credit bureau without validation is a violation of both federal and state law.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2017-03-15
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Portfolio Recovery Associates has not verified a debt with my signature which they claim I owe, and they are not licensed in the state of CT to pursue such debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-17
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: NJ
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I paid this debt off to the company years ago but they have yet to resolve the open judgement and refuse to send me verification that the debt was paid.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-03
Company: FC HoldCo LLC
State: SC
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
Have been threatened with arrest for failure to surrender vehicle by companies repossession agent, was threatened with legal action to obtain judicial order mandating surrender of vehicle, and have been threatened to have vehicle repossessed for missing one payment. XXXX, call center supervisor, has been very confrontational, demanding, threatening in every conversation I have had with him. Company also charges a {$3.00} processing fee for payments made via phone each time a card is run. I have to split my payment into XXXX cards and they company is refusing to waive for second run for my payment.

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