BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-01
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital One closed XXXX of my credit card accounts which were all in good standing/ XXXX with XXXX balances. After condescendingly shuffling me from XXXX rep to next, they firmly stated there was nothing they could do and the card was closed for spending inconsistent to what 's expected. Seriously? I charged a XXXX item. They yanked XXXX in credit, which consequently destroyed my credit score by shattering my utilization! My score dropped nearly XXXX points. I was in the middle of applying for a refi on my house. Done. No one will even consider extending credit to me now thanks to this injustice! I asked them nicely if they could lower my interest rate since they destroyed any chances I will have at obtaining a consolidation loan. They denied this to me. I never once made a late payment to Capital One. They have destroyed my financial future by this unjustified action of which they treat me like a criminal over the phone. I am absolutely distraught over this. I recently changed careers due to health issues and this is further complicating my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
I just want to let you all know to be very careful with Capital One - they are known to be the credit card to help you build and or repair your credit - but seem to do the complete opposite. I have had a credit card with them for about three years ( always pay on time ) and towards the end of last year I had one of there XXXX reps set up a 3 month recurring payment ( prior to auto-pay being available over the phone ) - well this person failed to set-it up properly and my account defaulted one time. As soon as I became aware I brought the account current immediately and was advised that it would not report late on my credit report. Now I 'm purchasing a home and when they pulled my credit I realized it did report late and called - I had another over seas rep tell me she would remove the negative remark from my credit but it was not done. 

I also had my dentist overcharge me and not want to give me a refund so I did a dispute for the amount my dental insurance advised I over paid - they did credit my account only to recharge me later. They say I did n't return the papers they sent me which I never received - after hours on the phone I was told if I faxed the documents they would re credit me a little less than half of what I was over charged. I faxed the papers and nothing. 

After numerous calls and complaints I got as far as speaking to their executive office which you need a special pin for. The account manager handling my complaint at the executive office was XXXX at XXXX XXXX XXXX XXXX XXXX - he finally called me today to let me know that after the " executives '' quote on quote reviewed my complaints they came to the conclusion that - well basically they are not going to fix either error they caused. 

After numerous hours on the phone with them XXXX by now I should be on their payroll XXXX a big fat NOTHING. I just want you all to be careful with Capital One - If you do n't babysit them and you do n't catch their mistake in time they will not help you correct them and in the end it may damage your credit more than help it!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-09-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Application, originator, mortgage broker

Complaint:
We applied for a refinance loan with Capitol One. We have been in the process for over four months and the underwriter has stated she will not give us a loan and does not want to work on our file any more- she will not deny us the loan because we qualify! We have a very high fico score we have never even had a late payment our whole life!! So She keeps giving us list upon list of things to answer or submit! We answer her questions and she comes up with new things- even down to making us explain properties we DO NOT own or explaining the same thing over and over again! We are now AGAIN being asked for more stuff- she is now asking for {$75000.00} dollars extra??? that goes against their agreement and good faith estimate as well as I believe their policy ( she is calculating it wrong on purpose ) she is asking for explanations we have given before and asking for lease agreements on properties we do n't rent or own ( and have explained that before ). She is also co-mingling our corporate business with our personal funds. We are being discriminated against!!!! I 'm not sure if its because of our ethnicity or religion?? The loan representative said we should not be going through this and was told by others in the company that this underwriter does this to many people! I 'm curious if the loans that she stops working on or delays with ridiculous conditions ( until they go elsewhere to get loan ) have a similar connection ( race, religion ) as that is what she can see- our name or where we donate our money too! We have spoke to and submitted our documentation to other loan institutions and they say this is a simple loan that should have funded a long time ago! I am complaining ( which I normally would never do and have never done in my life ) because I truly feel we are being discriminated against and I wonder how many other people this underwriter has done this too! I can NOT believe Capitol One is doing this to people!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Credit card
Issue: APR or interest rate

Complaint:
I have a Capital One Credit Card with a promotional period of zero percent. Nowhere on my statement does it remind me of the pending expiration of that promotional period, neither does it state anywhere on my online account summary, and I had to initiate a chat session to find out when my promotional period expires. No explanation was given as to why this information is not readily available on demand.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: IN
Product: Mortgage
Sub-product: VA mortgage
Issue: Application, originator, mortgage broker

Complaint:
I am a XXXX in Indiana. My client is getting a loan through USAA Bank. He is a veteran. This loan has been dragging on for close to 50 days. Now they need to extend the rate lock but want to charge my client {$9800.00}. It can not be rolled into the loan so it must come out of his pocket. They have not been expedient with this process. What do I do to protect my client????

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: Diversified Consultants, Inc.
State: TN
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
Diversified collections contacted me around XXXX 2014 notifing me that they had obtained there information from XXXX XXXX XXXX XXXX. I advised them that I had told XXXX XXXX XXXX that I would pay the account off in full when I received my income tax in XXXX and that since they had the account now that I would do the same. I made several {$25.00} payments to them and did pay the account off, the agreed amount with my income tax. They told me that once it was paid off that I could submit in writing to them via fax that I would like it removed from my credit bureau report as a deletion. I did so in XXXX around the XXXX and also called to make sure they received my fax. I was told that a supervisor had it and they would be in contact with me. Several weeks went by with no call from them. When I called again around the XXXX of XXXX was told that this could not be done and I would have to take it up with the credit bureau 's my self and dispute.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-14
Company: Diversified Consultants, Inc.
State: MA
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
In early XXXX, I successfully disputed a {$58.00} collection account from XXXX that I did not owe. The servicing collection agency at the time was XXXX XXXX, XXXX. This collection agency could not validate the debt and removed the account from my XXXX report. 

In XXXX XXXX, I received a phone call from a collection agent from Diversified Consultants on behalf of XXXX claiming that the {$58.00} was still owed. I demanded that they not contact me by phone again and to send a written validation of the debt within 30 days. The agent agreed to do so and said that a representative from XXXX would be contacting me. I never heard from anyone again about this matter. 

Diversified Consultants has now begun reporting the {$58.00} collection on my credit report. I have filed disputes with XXXX, XXXX, and XXXX. I have no knowledge of this debt and will not be paying unless it is fully validated.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-23
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Paid off an old navy and a walmart card in full, for a total of XXXX missed a walmart payment and used it regularly. Was thanked for the payment in full by dropping my credit from XXXX to XXXX dollars. XXXX disappeared. 

Paid off old navy in full at XXXX, even after my credit was lowered for no reason. I was thanked for paying in full by my account being closed. That XXXX plus earlier payments of XXXX disappeared. 

Synchrony stole around XXXX in payments, and despite my good fAith as far as having access to my credit that i paid, and despite my timely payments, they lowered credit and shut down accounts, thus damaging a credit score that should have improved due to my actions. I consider this fraud and theft and they should be penalized.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: USA DISCOUNTERS LTD
State: MD
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I have bi-weekly allotments that come out of my account for USA Living ( previously USA Discounters ). Because I ran in a financial hardship at home, I ceased my payment XX/XX/XXXX to the present date ( roughly one month ). Once the allotment was no longer sent to my account with XXXX XXXX XXXX, I began receiving daily phone calls. Next the emails started. I communicated with a representative by the name of XXXX XXXX and informed her that I had pertinent financial obligations at home, which required me to temporarily stop the allotment, which in turn, I agreed that I would re-start within the next two weeks in order to ensure that the following month 's payment would be received on time. She told me that based upon what was already in my allotted account, that I owed an additional {$160.00} and that as long as it was received before XX/XX/XXXX that she would not report an adverse note on my credit report. I told XXXX that I 'd take care of it before the end of the month, and that I needed a little more time to ensure that things at home were okay. Three days later, I received emails from her stating that I failed to comply and that they would refer me to their pre-legal department since they did n't receive the {$160.00}. Again, I reiterated to her that I said I 'd get it in before the end of the month since two weeks had n't passed since we last talked, and I did n't receive my next paycheck. I then tried to contact the store in XXXX, and noticed the phone was disconnected. I then tried the store in XXXX, and noticed the line was disconnected. In turn, I did an online search and learned that the stores shut down. I emailed XXXX and requested for information in writing about what happened, and also to provide information on how I can mail my balance of {$160.00} since I was not comfortable sharing my personal bank account or credit card information. She still remained persistent and threatened to refer me to the pre-legal team. I 've yet to receive any notice of what happened. She said that I still have my contractual obligations to fulfill and that was it. I would like to mail my remaining balance as my contract does not state that I have to provide a personal credit/debit card for payment. Typically, I could run cash into the store, however, since the stores are closed I no longer have that option. Please help as this is truly concerning in that she is not willing to provide any written communication as to what happened and how I can continue to make alternative payments, which was previously an option.

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 2016-08-16
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I applied for a credit card with Barclays Bank. I got denied. They said " our records indicate that a previous credit card account that you held with Barclays Bank Delaware experienced charge-off, bankruptcy, severe delinquency, or other negative performance. '' This is not true. I 've never had any of these with Barclays. I always paid my credit cards on time. I 've never had XXXX delinquency with them, let alone a severe XXXX. I have no negative performances on my record. I feel that somehow I 've been blacklisted with Barclays. I do n't know why, but it is extremely discriminatory.

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 2022-10-02
Company: OPORTUN FINANCIAL CORPORATION
State: NC
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I gave some information to a website and they fished my info around without my consent I applied for a home loan and other loan companies ran my report without my consent

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-03
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Late fee

Complaint:
Synchrony Bank ( PayPal Credit ) did not post payment, then charged me a late fee of {$25.00}, so I 'm missing a total of {$50.00}. I closed the account and paid what I thought I owed. Calling the company, all I got was an automated response unit ( XXXX ),. It said to send proof of payment to XXXX FL, which I did, nothing, no response, now they tell me I owe them {$25.00} or will incur another late fee. What happened was I used my bank ( XXXX ) Bill Pay service with the account # type on the e-check. Someone then wrote their own account # on the bottom of the check. I have a copy.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-09-08
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Received bad information about my loan

Complaint:
Asked for forbearance in XXXX, paid navient {$50.00} for the forbearance due to hardships. I have harassed by calls everyday for the past XXXX months saying I am late on payment. XXXX XXXX navient also screwed me when I asked for help, they failed to tell me the help was just paying interest not principal for the past XXXX years. Finally, moved by federal loans to fed-loans.gov. They are deceptive, deceitful. They screwed me

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-08-24
Company: Ocwen Financial Corporation
State: CA
Product: Mortgage
Sub-product: Home equity loan or line of credit
Issue: Credit decision / Underwriting

Complaint:
Tried to get a loan modification with OCWEN. They assigned me to a " Relationship Manager '' outsourced to XXXX. Could n't speak/understand English. He ( apparently ) wrote that I denied the loan mod. Spoke to someone in USA, he gave me " Ombudsman '' number & that someone was always there. He said I was n't allowed to request one person handle my case and that they be in my country of origin, the USA, that " it 's their rules and they follow them. '' Called Ombudsman dept, got recording, left message. Called " Escalation office '', left 4 messages. I have until Friday XX/XX/2016 to decide if I accept their terms for loan mod ( which is more than double what I 'm paying monthly now ), without which would be triple what I 'm paying monthly now. I 'm XXXX on SSI and can barely afford what I 'm paying now. OCWEN is the company that took over my home equity line of credit from IndyMac when they went under, and they are calling it a XXXX mortgage, which it is not. They 've already threatened foreclosure, even though I 'm not behind on payments. I ca n't believe they outsource all their loan officers to XXXX, with poor telephone connections and no callbacks.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: HW Holding, Inc
State: OH
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:
I was recently informed that I owe a debt in the amount of {$5000.00} ) to XXXX XXXX which is a property manangement co. used by an apartment I used to rent from. I wasnt evicted nor did I violate my lease. I moved out at the end of my lease. The property has since been sold I do n't believe that debt is correct. I have contacted Hunter Warfield Collection Agency at XXXX XXXX XXXX XXXX, XXXX, FL XXXX XXXX XXXX 2015 and asked to Please send me written verification of the debt. To date I havent received anything from them. This debt is preventing me from renting an apartment and I had to move in with my parents.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-03-31
Company: Asset Recovery Solutions, LLC
State: MA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Having problems with customer service

Complaint:
Company is Asset Recovery Solutions , LLC. Contacted them about obtaining information about this loan as it appears to be in the hands of the XXXX or XXXX collection agency that has called about this loan. Another company has already seized my daughter 's tax return to repay this same loan. The staff was extremely rude, told me to just pay the loan, referred to me as a deadbeat. I had worked out a payment plan with XXXX previous company but they had slipped in terms that were not acceptable. This company is refusing to forward my papers so that I may review this loan. My daughter, whose loan this belongs to, contacted this company and they were rude to her, yelled at her and refused to forward any paperwork about this loan to her. Another company, XXXX XXXX has already started collections on this loan and has seized my daughter 's tax return.

Company response to consumer: Closed
Consumer complaint received 2016-07-22
Company: Advance America, Cash Advance Centers, Inc.
State: CA
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
I received a loan in 2014 that I defaulted on and have now been receiving harassing phone calls to my employer, family and elderly grandparents. This debt collector states that they are a Lawyers Office `` XXXX XXXX XXXX XXXX '' and I have called them back multiple times and representatives have been extremely violent and harassing. These phone calls have been back to back to my employer and are putting my employment in jeopardy. This " Lawyers Office '' has threatened my grandparents that I am being sued and only have XXXX hours to respond in regards to this matter. I have contacted the Advance America who has referred me to a debt collector who in correspondence refereed me to another debt collector " XXXX ''

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-10
Company: CAPITAL ONE FINANCIAL CORPORATION
State: GA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Problems when you are unable to pay

Complaint:
I purchased a Kia Sorento with Capital One financing in XXXX XXXX XXXX 2016 I realized that because of the increased cost of my medical care resulting from my XXXX, Medicare costs going up, and fewer doctors taking Medicare that I could no longer afford to make the car payments. I contacted Capital One about arrainging a Voluntary Repossession. They told me that I had to contact a special department and that someone from that department would call me back. I waited two weeks without a call back. I contacted and called them back. Again the same run around and no call back. I called again the same thing. They are going to force the repossession to be due to non-payment which will have a greater impact on my credit record. And they will probably force a private sale which will cause me to owe more than I normally would after all is said and done.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Transaction issue

Complaint:
I have paid my payments through Capital One credit card for several years now. In fact, on my personal account they have stated that my payment history is XXXX %, which is good. I paid XXXX payments within XXXX weeks to bring my account under the credit card amount that was issued to me. I paid {$50.00} by mail on XXXX XXXX, 2015 and then another payment through my checking account on XXXX XXXX, 2015. On XXXX XXXX, 2015 I called the representative XXXX ( ID # XXXX ). I asked why was my account held and there was n't any credit on my card. She said that we had to call my bank to verify that the money was taken out because I had a returned payment in the past. She then called XXXX XXXX XXXX. I was then insulted, mortified, humiliated, and felt as if I was treated like a child about my account. Capital One had taken the payment on XXXX XXXX, and cleared the account on XXXX XXXX. They continued to hold my account and did not put any credit on my card until today in which I had to call and demand that they put the money on my card and call the bank to get a verification. Again, this is an insult to me being a paying customer!!! I should not have to call to get my funds released on my credit card!!!!! This does not make any sense I then spoke to XXXX ( ID # XXXX ) Both the representative and supervisor XXXX were rude! I would close my account with Capital One if I did n't think that it would affect my credit!!!

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-01-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WI
Product: Credit card
Issue: Privacy

Complaint:
I am trying to update my address with Capital One to the USPS standard of XXXX XXXX XXXX XXXX, XXXX, WI XXXX, but they claim my new address in in XXXX which is incorrect and I do not want it reported to the credit agencies as such, but they will not correct their system issue

Company response to consumer: Closed with explanation