BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-11-02
Company: CITIBANK, N.A.
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Collector called multiple times at my work office stating that I owe a debt which does not have the correct name nor address. Collector can not prove that I own the debt and can not verify any of the information which can be linked back to 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 explanation
Consumer complaint received 2016-09-27
Company: CITIBANK, N.A.
State: TX
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
This is a follow up to Case # XXXX. I was told to wait 30 days for the CRAs to remove the inquiry. It has been 41 days and the inquiry continues to show up as a hard inquiry on both XXXX and XXXX. This MUST be removed immediately! I will not wait another 30 days! Why does it take so long to be removed? I certainly does n't take that long to be added!!! I plan on purchasing a home in the very near future and this will effect my interest rates. I want this removed immediately or legal action will follow shortly!

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 2016-04-13
Company: CITIBANK, N.A.
State: GA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
My Bloomingdale 's American Express ( Citibank ) credit card was compromised on XXXX. Fraudulent charges were made on this account and it was closed immediately. I have not re-opened the card and do not intend to. I was instructed by Bloomies/AMEX Fraud Dept. to file an Affidavit ( which they sent me ) listing charges, with a Notarized Document and with my Drivers License copy. I promptly complied with this instruction and these materials were faxed on XXXX and again on XXXX with no response. These faxes were received however, see Attached Confirmations. To date, there has been no resolution or response. I called on XXXX ( Operator XXXX ID XXXX ) and XXXX and on XXXX ( XXXX Operator ID XXXX ) and again on XXXX ( Operator ID XXXX XXXX ) and each time after waiting over 60 minutes, was never connected to the Fraud Dept. In interim, I have been harassed by numerous phone calls and letters indicating that I owe monies and calls from collection firms. Bills continue to be sent with finance charges being added and compounded. I have been unable to secure credit from other creditors and am now applying to various executive banking positions that require credit checks and am told that my credit rating has been adversely impacted by this account at the XXXX credit agencies. Citibank ( Bloomingdales AMEX ) refuses to respond after now 120 days after my initial reporting of this fraud. They have negatively impacted my credit bureau reporting and have made me wait hours on the phone. Their fraud number is a number that does not address consumer complaints as they never pick up on that number. This number is XXXX. When I call this number, I am immediately routed to the collections department and then told to wait. See attached documents. I also called this morning, XXXX and after one hour of waiting hung up the phone.

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 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NE
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I had experienced some hardship during the course of my loan with Capital One. I called them up for assistance and they explained that they are able to move the amount past due and move it to the back of the loan, which would extend the date by that number of months. In reviewing my account online, I now have a payment due of 2.7 times my regular monthly payment. I spoke to a representative and she said that I can make a partial payment, but if the full is not paid in 30 days after the due date, it will go on my credit. We have been good customers with the bank for years and this is how they treat their customers? 

Also, on their mobile app, the it is stating that our payment due is {$350.00}, which is different from the website and the automated system. Thus, their company is even telling me different information.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital one cancelled my credit card blaming me for not sending my payments on time.which is not true. I 've be sending more than the minimum on time. a few times I complained because they claimed that I did not send my payment when I did and they did n't properly credit my account which they admitted in XXXX 2015 and promptly fixed with an apology. 
On XXXX XXXX, 2015 the same problem developed again. I spoke to their customer service and Fraud specialist. 
This time they blamed me and my bank even though I sent my payments electronically with more than the minimum amount and on time XXXX. I believe it is nothing more than excuse for incompetence and discrimination on their part because I spoke up. This was after I applied for and received their XXXX card in the mail and tried to activate it on XXXX/XXXX/15.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Credit card
Issue: Other

Complaint:
I have contacted Capital One to let them know of this unauthorized fraud account, however they sent me to collection and now I found out on my credit report that there is a judgment apparently they sued me for this account, and a judgment has been entered, when they did n't even let me know they sued me, so I could appear in court. I can not believe they held me liable for an account that I did not open, I have never done business with this this credit card company, and they sent me to collection and latter sued me for this and not even let me know they did. I had to find out from my credit report. Now I have a civil records and judgment that is filed against me for account that I did not open, with a credit card company I never done business with.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Capital one has harassed me i told them many times that i had fraud charges on my account. the account was closed back in 2014. they were to remove the fraud charges but never did. after many many calls we got nowhere. they then tried to sue me for this debt for XXXX i was served with legal paper. this company was a joke they have made my life a nightmare. after all this i refused to pay a debt that was not mine but my wife offered to pay it and i refuse. She said she wanted to just be done with this so she called capital one many times they assured her once the debt was paid it would be a XXXX balance. she settled the debt for XXXX i believe, they promised her due to the fraud charges they would put the debt to XXXX dollars. and after everything they put us through you think they would stick to their word. They did not. this debt is still on my credit report and its still showing that i owe them when in fact i dont.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-08-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Delinquent account

Complaint:
Despite my credit card provider 's numerous efforts to remove an erroneous late payment report, XXXX has yet to address the issue in two years. I 'm in possession of XXXX evidential correspondences requesting the correction to my account. XXXX XXXX promptly corrected their records on the initial request, yet XXXX subsequent resubmissions to XXXX has yet yielded any changes. Hopefully, this is n't common practice. I have definitely lost all confidence in XXXX measured against XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-19
Company: Experian Information Solutions Inc.
State: GA
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:
There are accounts that are on my credit report that are not mine.

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 2016-02-29
Company: Jim Bottin Enterprises, Inc
State: OK
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:
In XXXX I joined XXXX XXXX, under ABC Financial. I received 6 weeks free, and cancelled my membership after 2 weeks, leaving me with no charges. The membership was never cancelled, putting my account into collections. XX/XX/XXXX, the new club manager, XXXX XXXX contacted me asking if I 'd like to resolve the issue. We agreed that I could pay {$300.00} and he would take my account out of collections and remove the debt from my credit report as long as I stayed a member of the club while paying the {$300.00} in {$50.00} installments. In XX/XX/XXXX I was charged for {$12.00} more than we had agreed upon. I contacted XXXX XXXX and he put {$50.00} towards my {$300.00}. I cancelled that debit card and only paid by check from then on. I paid the remainder of the {$300.00} XX/XX/XXXX. XX/XX/XXXX, my bank account was charged for over {$1700.00}. This charge was unauthorized, and my bank account information was taken from previous checks.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-14
Company: CCS Financial Services, Inc.
State: TX
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:
Credit Collection Services of XXXX, MA XXXX XXXX XXXX XXXX. Called on XXXX/XXXX/2016 to settle an account. Amount owed was {$74.00}. Offered to settle for 50 % of the balance. They agreed. The electronic check they took over the phone cleared the bank on XXXX/XXXX/2016 was for the full amount instead of {$37.00}. Called on XXXX and they offered to send me a check for the difference. This is an outrageous practice of charging the full amount after having to agreed to a lesser amount and then I have to XXXX them to recover the difference. I 'm guessing this is against the law.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I opened an account with Capital One 360. They took my money ( via ACH ) from my other accounts. My mobile app said that the funds were not available for withdrawal. I gave it a few more business days and then called them to find out why the funds were frozen ( I could not access them ). When I called them, they said that they reviewed my account and said that they did n't want to do business with me - although I passed all XXXX and did everything they asked. If they did n't want to do business with me, why would they open an account, take my funds, then wait to close it and freeze my funds where they were not available to me? I 've escalated and am still awaiting a return call. I passed all incremental XXXX and am not sure why they are keeping my funds. Additionally, I directed some of my payroll to this account since it was set up and they mailed me a debit card in the mail. I never imagined that they would open the account, mail me a card, etc. and then close the account and freeze my funds. As well, when I called to get help, the agent said they could not help me, that I needed to speak with another department and it took WELL over an hour just to get someone to answer the call ... and that person then said we do n't want to do business with me ... even though they took my money and mailed me a card

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Loan servicing, payments, escrow account

Complaint:
Capital One failed to collect the annual fee as described in the terms of agreement for my HELOC for XXXX of XXXX years and then tacked it onto my payoff which I was obviously not prepared for.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-01-06
Company: CURO Intermediate Holdings
State: WA
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
They claim I owe them money. I have sent them a letter to the president of the company asking for proof of this debt. They did not provide it with me they are in violation of the fdcpa, so if they want to continue to play games we can escalate the issue if they continue to violate.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
To whom it may concern, I, XXXX XXXX applied for a modification to Capitol One through my bankruptcy Attorney ( XXXX XXXX ). I was then denied a modification. I was approved a payback plan of {$27000.00} down and {$6000.00} with in one year. I was not able to accomplish this. A Deed In Lo, Or a Short sale. Was then told from Capitol One there was nothing more that I could do to save our home. 
We then went to XXXX a consumer advocacy group. There I applied again for a modification. Was again denied a modification. This time was only offered Deed in Lou, or Short sale. I have contacted Capitol One and Escalated my file on my own. In the escalation department ( XXXX ) I spoke with a lady named XXXX. She tried to help. She gave me a # to XXXX XXXX XXXX XXXX # XXXX. She was also told from her managers there was nothing more that she could do. I called the above XXXX XXXX # and was told if I am in bankruptcy that XXXX XXXX can not help me at all because they are a debt collector. The only thing I could do was work something out with Capitol One. Capitol one has told me there is nothing more that they can do. My monthly salary is {$5700.00} My first mortgage is {$120000.00} my arrears are {$73000.00}. I 'm being told from another consumer advocate that there is a mod that will work. Called an Investor mod. The mod is $ % for 40 years. That Makes our payment Approximately {$1300.00} per month. Or if there is an alternative mod that will work for us. Were not interested in loosing our home. 
Please help us save our home.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-29
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MO
Product: Credit card
Issue: Other

Complaint:
I spoke with a company called XXXX and explained that I could n't afford to make a payment on my Capitol one account that day but I would call back on XXXX/XXXX/16 and set up payment arrangements on the account. I am not sure of the date that I spoke to them about the payments but I believe it was around XXXX/XXXX/2016. 
Today I recieved a phone call from a relative that I have n't spoken to for two years saying she spoke to someone from the same company who told her that I was in default on my Capitol one credit card. They gave her my balance, told her that they spoke with me about my account and that I told them I would call back to make payment arrangements and never called them back. They gave her a date that they spoke with me and everything!! Now that relative has told my whole family that I can not pay my bills and is dragging my name through the mud. I called XXXX agency and spoke with a manager named XXXX and he told me he would look into listening to the call and apologized for what happened. After speaking to him I decided to call back and make a request to hear the call, and XXXX stated that he did n't believe there was a way to do that. I have contacted my lawyer because I believe my FDCPA rights have been violated.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-06-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
We ordered a solar pool cover from an online company called XXXX on XXXX XXXX : XXXX XXXX XXXX, XXXX XXXX XXXX XXXX York, NY XXXX 
Email XXXX XXXXXXXXXXXX. No phone number provided. 
An email response was received that same day, informing us that the item would leave the warehouse within XXXX. We had requested, and paid for " rush processing ''. 
After XXXX days, without any further contact from this company we inquired when our item would be shipped. The response was that this was a special item, manufactured to specification and that we should be patient. After XXXX days, no shipping info, so we contacted them again. At that point they told us that it would be best if we cancelled the order, to which we agreed, provided we got a full reimbursement on our credit card. 
The next day, the company informed us that the item had been shipped and if we refused delivery they would withhold a 25 % " restockingfee ''. 
We did not agree with that and informed the company accordingly. Now they have informed us that the restocking fee is 75 %. 
As we suspect internet fraud, we kindly ask your agency to look into this. 
Respectfully, XXXX XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
walmart credit card aka : synchrony bank, closed my bank account with them. i received letter XXXX XXXX, XXXX this bank action has adversely affected my credit rating. it went from XXXX to XXXX when i called the bank after receiving the letter i was assured that the bank had made an error and that it would be reflected on my account. ( which he said, " i had not missed a payment but that the payment had not been received due to bank error '' ) now my credit has suffered XXXX point drop for the admitted error of this financial institution. 
my credit shows right now that i was closed due to lack of payment. 
when i made the first payment, well before my due date, i did it through a walmart money card, for walmart recognizes this payment method, i used a live operator and paid the bill in full. 
i then received the letter cancelling my account. it seems even using all of walmarts products and live operator the payment did n't go through and i was not told at the time that the payment did n't go through, and i was not called later. 
i complied with all rules well before due date ; using well established protocols and still they failed at their job and i must suffer for their incompetence. 
the bank must correct this false statement. or it must pay compensation for publishing false statements. 
i have spoken to a bank manager and was assured that this would be cleared up. but i can see now that he just wanted to end the call ; so he lied and did nothing.

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 2015-04-30
Company: BARCLAYS BANK DELAWARE
State: VA
Product: Credit card
Issue: Rewards

Complaint:
As part of my USAirways Barclaycard account, I was eligible to receive elite status qualifying miles on my US Airways frequent flyer account should I reach an annual spending level of greater than {$40000.00}. In XXXX and XXXX, I received those miles based on achieving the spending level threshold in the prior year. The mileage posting usually occurred during the XXXX period in the year subsequent to achieving the spending threshold. I once again exceeded the spending level during XXXX, but as of this date have not received the elite mileage status posted to my US Airways account. As the merger between US Airways and XXXX XXXX has now moved forward to include the frequent flyer programs, I have made inquiries to both airlines in search of a satisfactory resolution. While each have pursued the research associated with elite mile postings, I have not heard back from either airline and not received confirmation from Barclaycard to confirm that they have taken the steps necessary to trigger the benefit that results from owning their credit card.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-10-03
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing statement

Complaint:
On XXXX stmt. there was a late fee of XXXX. I made my minimum pmt and would look into this later. XXXX statement there was another late fee of XXXX. I called to dispute them and a supervisor agreed to issue me a credit. however the credit would go to the balance on the account not the minimum payment section where these charges are put. When i questioned him about this he said this is the way their computers are set up so if i did not pay the minimum amount this would continue to happen. I now owe them XXXX in later fees. But i continue to pay them my regular 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 monetary relief