BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-05
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Application, originator, mortgage broker

Complaint:
Case number : XXXX am filing a complaint against Capital one. We have followed everything we were told to do. We reapplied for a modification and sent in the updated information as per their request. XXXX from Capital one was the representative who was handling the complaint. He is no longer with the company when we called to get the status and we were told to reapply. Now we are {$12000.00} in the rears, this is a disgrace and predatory lending and fraud. Capital one is deceptive, racist and misleading. They have put people in a foreclosed state. They play games with their modification and cause people to go into foreclosure. We are going to the press and to the US JUSTICE DEPARTMENT ABOUT THE POOR MISLEADING, DECEPTIVE BUSINESS PRACTICES OF CAPITAL ONE. WE ARE FILING SEVERAL FEDERAL AND STATE COMPLAINTS AGAINST CAPITAL ONE AND HOPE YOUR COMPANY WILL DO SOMETHING TO HELP US AS CONSUMERS. The last time, they claimed was because of a notary and now they have NO REASON because they no longer have that employee so they chose to let us fall between the cracks. We were told by a XXXX on XXXX/XXXX/15 at approximately XXXX XXXX to fax in XXXX of my XX/XX/XXXX stubbs to get the modification reopened. I am faxed the check stubs tonight per her request and plan to call a man she referred to as XXXX. When I called back that same night, I spoke to a representative who told me to talk to a XXXX who is our caseworker who is working on our case. These stories and characters change with each phone call to capital one. We made sure this was well documented to use in case we sue capital one. I sincerely hope you will make them review and approve this modification and stop playing games. Its a disgrace. President obama put guidelines in place to protect consumers against these predatory practices and deceptive business practices with these fraudulent banks. I am a former elected official and I am not going to tolerate these unethical, fraudulent and deceptive business practices of with Capital One. Enough is enough.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-02
Company: CCS Financial Services, Inc.
State: CA
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
I paid this collection item for XXXX through Credit Collections company. The amount was settled for exchange of deletion on credit report. This company used its against to get the bill paid and used whatever tactics they felt as necessary but only to recover funds and not stopping the reporting on my credit report. Very unethical practices that need to be researched. This needs to stop being reported on my account as it has been 7 years also since the account was paid.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AR
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
This collection agency is trying to collect a debit from XX/XX/XXXX. I was a XXXX in college and did not get my first credit card until XX/XX/XXXX. It would have been very easy for a roommate or anyone else to get this info. I did n't keep it hidden I did n't think I needed to. Now they are trying to bill me for over XXXX that I never had the chance to use

Company response to consumer: Closed with explanation
Consumer complaint received 2021-03-22
Company: EQUIFAX, INC.
State: IL
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:
An account with XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXX, XXXX XXXX I showed up on my credit report for an account. I sent a letter via email to the company which the company received XXXXThe tracking number with USPS is XXXX. The company has not sent me any documents validating this debt. I requested the agreement between XXXX, XXXX, XXXX XXXX XXXX, XXXX XXXXXXXX XXXX XXXX I and the collection agency and the original creditor, the original contract showing that I legally owe this debt, an accounting record of all transactions and proof that this company is legally registered to collect this debt in my state. I have not heard anything from them this is my forth attempt.This account is still reporting on my credit reports.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-28
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Please review the enclosed correspondence with Capital One regarding a plane ticket I purchased for {$710.00}. I was unable to use the return portion of the ticket to return home without any explaination why. I was given no alternative except to purchase a new ticket from XXXX XXXX for {$300.00} if I wanted to return home on the same scheduled flight as specified on my original ticket that I purchased for {$710.00}. Capital One claims to have done an investigation but posted the charge back on my account. Capital One refused to provide a reason verbally or in writing as to why the charge was refilled to my account. For this reason, I feel I was defrauded because I was not able to utilize the return portion of the original ticket. Furthermore, I consented to a re-review of the case dated XXXX/XXXX/2016 ( I spoke with XXXX, a Cap One supervisor ) however as in the past, there was n't any documentation in Capital One 's records that the re-review was performed. Capital One appears to have violated regulations regarding resolving the dispute within 1 month, and refusing to comply with my request for a written reason explaining the action taken -- re-posting the charge to my account as requiured by XXXX and Federal regulations. The Cap One dispute center never sent an affidavit for me to sign regarding my dis [ pute which makes me suspect that there was never an investigation or a re-rteview as I was promised by XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-11-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Billing disputes

Complaint:
There are late payments on my credit report that are not accurate. I was a victim of fraud which caused my personal checking accounts to bounce and therefore make my payments late. I contacted Capital One about this and they have done nothing to remove the payments. I sent them a dispute letter and they verified this.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
My mother, who passed away last XXXX, had a credit card that has been placing negative marks on my credit reports. I never signed any contract with the credit card company or received any kind of bill from them. I wrote to them XXXX 2015 to ask them to remove my name and stop reporting negative credit and remove any negative remarks off my report. They have continued to report negatively on my credit report. This is effecting my status with other credit card companies as well as my credit score.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-13
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
Syncb/Care Credit, I have tried 3 times to fix this on my credit report. I have never received confirmations of this debt. I was told it was transferred and or sold to another debt collector. I was told to call other phone numbers that I cant leave messages at or talk to representatives about. Nowthey have submitted a Charge-off as bad debt comment in my credit reports.

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 2016-01-05
Company: SYNCHRONY FINANCIAL
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They are calling my job and asking for my boss and Human Resources consultant, so that they can garnish my wages. They are threating to send legal documentation to my workplace.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-20
Company: SYNCHRONY FINANCIAL
State: IL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
XX/XX/XXXX I closed an account with GE Money Bank/Care Credit. The balance owed to me was {$120.00} however GE Money Bank would only acknowledge {$39.00} of the {$120.00} actually owed. It was XX/XX/XXXX, national banks did whatever they wanted. The consumer had no rights whatsoever. 
Fast forward, to XX/XX/XXXX, I get a notice from Synchrony Bank that account ending in XXXX had a refund balance of {$39.00}. I jumped through all Synchrony 's hoops and returned the requested form three ( 3 ) times via certified mail. Synchrony still claims that they are investigating the refund or it has been forwarded to a third party vendor or it was refunded to the state of Illinois. The correspondence from Synchrony Bank states that the account is owned by Synchrony Bank so the investigation and 3rd party vendor claim is just another pack of national bank lies. The State of Illinois Attorney General, XXXX XXXX, Case # XXXX, states that she has not received a response from Synchrony Bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-15
Company: General Information Services, Inc
State: TN
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I applied for employment with the XXXX XXXX company and was offered a position. They conducted a background check and credit report, which I agreed to. The company that provided the report is GIS. The only thing that showed up on that report was a criminal charge that was in public record. I have not been convicted of anything, as this is still an ongoing case. I spoke to the manager at the XXXX XXXX location that I was offered the position at and they informed me that, due to that charge showing up on that report, they were retracting their offer for employment. I contacted GIS to discuss this matter and they told me as long as it is public record they can report anything, regardless of conviction status. Also, the arrest date in the report is incorrect. I have been completely honest with XXXX XXXX throughout the entire hiring process. I disclosed all charges that I had been convicted of, which is all that was legally required of me according to my attorney. This report essentially makes me appear dishonest. Also, in the section on the report titled " Social Security Validation and Death Master Index Check '', the company reported that my Social Security number was issued between XXXX and XXXX. It was actually issued in XXXX. This report is riddled with inaccuracies and I consider it detrimental to my future employment opportunities with XXXX XXXX or any company that uses GIS for credit/background reporting. I have a child on the way soon. I can not afford for this type of mistake to hinder my financial future.

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-23
Company: Oliver Adjustment Co.
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
A COLLECTION WAS PUT ON MY CREDIT REPORT : 1. I NEVER RECEIVED ANY NOTIFICATION VIA PHONE OR MAIL THAT THE DEBT WAS DUE OR VALID. I STILL HAVE NO INFORMATION WHAT IT IS FOR OR WHEN SERVICES WERE RENDERED. 
2.THIS ERRONEOUS COLLECTION ITEM CAUSED MY REFINANCE RATE TO INCREASE WHICH I NO LONGER COULD CLOSE. 
HERE IS THE INFO THAT IS REPORTING OAC # XXXX ( XXXX ) XXXX XXXX XXXX XXXX XXXX , WI XXXX Loan Type : COLLECTION AGENCY/ATTORNEY Placed for collection : XXXX/XXXX/XXXX Responsibility : Individual Account Account Type : Open Account Original Creditor : XXXX ( Medical/Health Care ) Balance : {$190.00} Date Updated : XXXX/XXXX/XXXX Last Payment Made : XXXX/XXXX/XXXX Original Amount : {$190.00} Past Due : & gt ; {$190.00} & lt ; P

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed
Consumer complaint received 2016-03-10
Company: SYNCHRONY FINANCIAL
State: FL
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
XXXX XXXX having on collection since XX/XX/XXXX and been reported me collection since that time this account it is been more seven year reportly wrong in my credit report i paid prepaid legal services which this month send a letter to them dispute the collection information for opened and reported date is completed wrong this company bought the collection for lowe 's since XX/XX/XXXX and is been open and reported to all my credit buberau wrong if you look the date the put it as opend as XX/XX/XXXX and reported as XX/XX/XXXX this company has enough time to take my to court or sue me and is ilegal to been more seven year reported by same collection company i trying to fix my credit becouse i need to expend by business XXXX XXXX XXXX Past Due : $ $ $ High Balance : {$2900.00} {$2900.00} {$2900.00} Terms : Limit : $ $ $ Payment : $ XXXX $ XXXX $ XXXX Opened : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Reported : XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX Responsibility : Individual Individual Individual [ XXXX ] [ XXXX ] [ XXXX ]

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 2015-06-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Payoff process

Complaint:
I have been trying to pay this debt that I owe and I have not been able to contact anyone regarding this issue. I have called every phone number listed and there is always a machine that answers that nobody is available to take my call and disconnects me. I have tried chatting with a live representative and they just gave me another phone number that did the same thing I mentioned above. I sent letters and got no response or phone calls. I sent letters to the credit bureaus.. I just want to pay my balance! This is stopping me from getting a promotion and I am so frustrated that I ca n't find a way to make my payment! The lack of customer service is ridiculous!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-22
Company: SYNCHRONY FINANCIAL
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
I was declined a loan from the partnership of Ethan Allen and Synchrony Financial while having a pristine credit record, FICO score of XXXX, $ XXXX in Synchrony Bank and a $ XXXX income. 
Reason given, " insufficient credit history ''. 
It is my opinion that it was because of no chance of default therefore, no interest would be generated, therefore no profit. 
I consider this to be discriminating to a XXXX year old and an unethical business practice and violates truth in advertising.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-03
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I had a Sam 's Club Discover card. Sam 's club changed to MasterCard and I declined the card ( at the store ). Today I received a bill thru email on the same MasterCard I declined. I did not receive a paper bill ... I had no account number that I was aware of. I never received or activated a MasterCard.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-14
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I received a credit card in the mail at home which is described as a replacement credit card and along with the credit card with my name was another credit card in the name of another individual for the same account. This other individual is not a member of my household and is the name of someone I worked with 10 years ago. The credit card also is a membership card for Sams Club. The membership cards that are authorized by my under my account are for myself and my wife. This recent mailing of credit cards did not contain a credit card for my wife but included a card for this other person with the exact same account number. In the mailing there is no contact information for Sams Club or its credit card issuer and only a phone number to activate the new credit cards. I did not want to activate the cards I wanted to report this error and potential fraud on the part of this former co-worker. As there was no contact information included within the credit card mailing I found a phone number on Sam 's Club website and dialed that number. After navigating my way through voice mail XXXX I finally was at a point where I was on hold, still on hold to report this fraud and cancel this card and get the name of this other person off of my credit account. I have now been on hold for 35 minutes attempting to report this fraud. My complaint therefore is twofold, first Sam 's Club is making it very difficult to report fraud by hiding its contact information and secondly once you have a phone number, you are left on hold. Secondly I want this other person removed from my account.

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 2016-07-12
Company: SYNCHRONY FINANCIAL
State: CA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Account opening, closing, or management

Complaint:
Consumer 's Original Complaint : Mass interest defrauding the consumer, paying consumers short on interest XX/XX/XXXX, while their Statements say they have paid interest from XXXX/XXXX/2016 thru XXXX/XXXX/2016 they have paid 1 days interest short to every sinle consumer. while telling the consumer it is correct. I have finally reached a manager XXXX XXXX, who has now admited this is in fact the case. It has been my suggestion that they need to pay every customer the short payment immediately, and this should be correct going forward. I really believe Synchrony Bank should notify every consumer accordingly on their web Site. They keep calling me, and still argueing, their Web site does not work either most of the time, see XXXX consumer complaints on line APR is also incorrect should be 2.30 % not what they are paying at all. 

Consumer 's Desired Resolution : Pay me and every other consumer this short paid interest immediately without delay, and generate corrected statements. We are talking about so much defrauding of the consumer. Only when I said I am going to contact a class action lawyer did they get a supevisor, and she then admitted they had a problem Not only that they are telling customers they are paying a vcertain APR, and not paying that amount at all. This is on CDS and IRAS,

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 2021-03-21
Company: EQUIFAX, INC.
State: MD
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Problem with a credit reporting company's investigation into an existing problem
Sub-issue: Investigation took more than 30 days

Complaint:
I disputed accounts via certified mail. My letter was delivered on XX/XX/2021. As of XX/XX/2021 nothing has been done. I was also a victim of identify theft and have filed a police report which is being mailed to my current address and I have registered with identify theft.gov.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: SYNCHRONY FINANCIAL
State: NC
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I took out a loan from Care Credit in order to pay dental bills. When I took out the loan it was for 24 months with no interest. XXXX I paid my payments to GE Capital. Beginning XX/XX/XXXX, it changed to Synchrony Bank. I paid on time every month. In XX/XX/XXXX I noticed my statement stated that my free interest has expired. I called and the man I talked with, told me the contract had changed. I have never heard of a contract being able to be changed. We argued back and forth for awhile and then he said " If you pay {$280.00} now, we will consider the bill paid in full. I wrote them a check for {$280.00} and put " paid in full '' on the entry. Yesterday I received another bill with the {$280.00} credited and a new balance of {$180.00} at an interest rate of 26.99 %. 
I am XXXX years old living on a fixed income and do n't like to be lied to and taken for granted. I 'm sure they are doing the same thing to other people. I am absolutely positively sure I signed up for 24 months of payments at no interest. I hope you can help me and I look forward to hearing from you soon. This illegal payment is due XX/XX/XXXX. 
Thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-25
Company: SYNCHRONY FINANCIAL
State: WA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XX/XX/XXXX or XX/XX/XXXX I bought a bed from XXXX financed thru synchrony bank. our original credit limit was XXXX. 
the terms were XXXX years no interest if paid in full. we pay each month on time and over the required amount. well ahead of schedule of the XXXX year terms. each time we pay a substantial amount they reduce my credit limit, this causes my credit profile to continually show a maxed out credit card and adversely effects my credit score, limits and interestI spoke to them and was blown off. if they continue to lower my limit to my balance amount it will continue to show a negative value on my score. this procedure they use is unfair to consumers and is wrong. my beginning score was lowerthan now but this makes it worse

Company response to consumer: Closed with explanation