BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-07-05
Company: PNC Bank N.A.
State: PA
Product: Bank account or service
Sub-product: Checking account
Issue: Problems caused by my funds being low

Complaint:
I was charged XXXX bank fees when I should have only been charged XXXX. I understand that I am accountable for XXXX, but the bank has issued me XXXX. On XXXX XXXX I had an ACH debit from my account from the XXXX and a debit from XXXX. After this, I still had XXXX cents left in my account. I still had a couple of days until the Veteran 's check came in so I bought food knowing that I would incur XXXX fees. Instead, the next day, I was charged for XXXX fees. I have talked to the bank clerk, the bank manager who talked to corporate and they all tell me that I just have to trust them that what they have on their screens is accurate and the information that they provide on my screen is not accurate. And I was told that the XXXX purchase was what overdrew my account, but when I look at my bank statement, it still leaves XXXX cents even after the XXXX debit. But I was charged XXXX fees. Then I made the XXXX purchase that should have overdrawn my account but PNC already overdrew my account with their XXXX unknown fees. I then asked for them to print out what they tell me they seen on their screen, but the clerk, bank manager and on-line banking clerk told me that they can not print it out for me with no further explanation. I am just supposed to trust that I owe the XXXX additional fees even though my statement shows that I do not.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: SECURITY FINANCE CORP
State: NM
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
MAVERICK FINANCE PAID IN FULL DELETED THAN REINSERTED. IT WAS TAKEN OFF THE BUREAUS THAN PUT BACK ON. XXXX ITS BEEN PAID

Company response to consumer: Closed
Consumer complaint received 2015-08-26
Company: Alliance One, Inc.
State: VA
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:
Prohibit of providing documentation of debt not owe. This issue is causing me and my family to be displace from my home. I 'm in the middle of trying to purchase a home. because of this showing on my credit ive been unable to move forward. 

I have called the company on XXXX different times, so had the federal organization. we each have identified ourselfs to get help nothing has happen.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: Direct Recovery Services, LLC
State: OR
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I received a message from XXXX. The message was for an ex-boyfriend I have n't seen in 12-13 years. Not only have I gotten married and have a different last name now, I have lived in XXXX different states and changed number a few times. I have no idea how the company got my number, and the message left threatened legal action and was very threatening overall. I wish I could tell him to make this complaint as well.

Company response to consumer: Closed
Consumer complaint received 2016-06-15
Company: STONEGATE MORTGAGE CORPORATION
State: TX
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Hi, I had paid my initial 20 % of my 30 year conventional loan amount and requested for removal of PMI from my account which is allowed by Law and per the Mortgage companies own website FAQ and I paid the fee requested as requested by the Mortgage company but still they have been changing me PMI up from for the next months even before I am due for the next month payment.

Company public response: Company believes complaint is the result of an isolated error
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-06
Company: Financial Credit Service, Inc.
State: LA
Product: Debt collection
Sub-product: I do not know
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
I am being contacted by a collection company. I was at home when the call came in today. I answered. They told me who they are and they are trying to collect a debt for over {$3000.00}. They say I took out a loan with XXXX something, I ca n't remember what the XXXX word was. I have never taken a loan out with this company. 

I asked if it could have been through someone else years ago and the contract was bought out. The original caller said I do n't know and transferred me to legal. I again told her that I had never taken a loan out with that company. What company did they buy the contract from. She started telling me they have something from XXXX XXXX?. I said that 's not what I 'm asking. I want to know who I owe. I 'm not just going to send you money. I asked her if they have anything with my signature on it. She started telling me I owe XXXX XXXX. Again, I asked her do you have anything with my signature on it? 

Her response, " Go to court! '' and then she hung up. I 'm not sure what I 'm supposed to be going to court for.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-08
Company: JPMORGAN CHASE & CO.
State: CA
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
I am writing about Chase bank 's refusal to return {$1500.00} that was deposited by me into an Overdraft Protection Account in XXXX of XXXX. They are now closing all overdraft accounts and state that they do n't have records from XXXX, and that if I ca n't prove that I deposited the money, they do n't have to pay it to me. In XXXX, the only way to have an overdraft protection account was to deposit money into the account. The original transaction was with XXXX bank which was bought by Washington Mutual in XXXX, and WaMu was bought by Chase in XXXX. 
Around XXXX, I asked Chase bank teller ( XXXX ) to close my overdraft account so that I could have the {$1500.00} available to use. She told me that I should not do so, " because you cant get accounts like this anymore ''. 
In XXXX XXXX, I went in to speak with Chase branch manager ( XXXX ) about closing the account and getting the funds transferred back to my checking account. The younger staff were not familiar with this old version of the overdraft account as the newer versions were unsecured lines of credit. Teller XXXX was able to verify that, indeed, the older account that I have was established by depositing funds into the account. After making some calls, XXXX stated that Chase does not keep records past 7 years. After making a complaint to Chase bank, I received a call from XXXX, Chase home office investigator, on XXXX XXXX, XXXX at XXXX. He stated that on XXXX/XXXX/XXXX my account was converted and a {$1500.00} hold was removed from my account. I told him that that did not make any sense as there was never a hold or conversion notification. He stated that he did not believe that I put {$1500.00} into the overdraft account and that since I can not prove that I did, I have no further appeal rights through Chase bank.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-21
Company: KEYCORP
State: CT
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
I closed my bank account last week. I thought everything cleared, but did n't realize my car insurance had n't come out and even though I closed the account ( or so I thought ) the payment tried to pull. I got charged a NSF fee of {$38.00}. Another payment that was NOT authorized by us to come out was paid by the bank EVEN THOUGH I CLOSED THE ACCOUNT. That was ANOTHER {$38.00} charge. Now I 'm told that even though they are REFUSING to pay the car insurance bill, they are STILL going to charge the two overdraft fees that will come about from XXXX trying to withdraw. I called to speak to the branch manager but got someone else. She was going to supposedly talk to them about reversing the fees and NEVER called back. I was also informed today that even though I closed the account and SIGNED to close the account, it has to stay open for SEVEN days. I WAS NOT INFORMED OF THIS WHEN I CLOSED THE ACCOUNT. I had no idea it was even open still!!! Since when do bank accounts stay open after you close them? WHY did n't they just reject the payment?? KEYBANK is rip off. The customer service is terrible. I 've never had this issue with a bank in all my years. If an account is closed, it should be CLOSED.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-06-10
Company: Financial Assistance Inc
State: AL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not disclosed as an attempt to collect

Complaint:
This agent called and did not mention a name of person attempting to contact. This agent did not disclose any information, beside their personal name and office phone number. Failed to disclose that any information obtained would be used in debt collection, also failed to disclose that the communication was an attempt to collect a debt. The agent left two voice mails, with their name and number, without any other information disclosed. I have saved these messages. Returned the call, agent asked was I XXXX, then transferred my call, when I asked was she a debt collector, she confirmed she was a debt collector.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-04-20
Company: Mar Joe Enterprises
State: TN
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:
I contacted CBC Collections to pay a debt and have these items removed from my credit report. I was told by XXXX that the company did not have the ability to remove items from the credit report. This statement is untrue. I was also not properly notified of this collection even though I had previous business relations with this company and they had my contact info. I learned of this collection when my report was pulled.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-26
Company: CMRE Financial Services, Inc.
State: FL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
CMRE. XXXX ACCOUNT NUMBERs : XXXX XXXX/XXXX/XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX, XXXX XXXX Phone : XXXX ATTENTION TO DISPUTE DEPARTMENT : Dear Sir or Madam : I am a victim of identity theft. An identity thief used my personal information without my permission to open an account several account in my name this debt is not mine. I have enclosed proof of my identity and a copy of my Identity Theft Report. In accordance with the Fair Debt Collection Practices Act, I am asking you to stop collection proceedings against me and stop communicating with me about this debt, except as the Fair Credit Reporting Act allows. I also ask that you CMRE. XXXX or any company associate with this account # XXXX and tell them the debt is the result of identity theft. I have enclosed a copy of the Federal Trade Commission 's police report Notice to Furnishers of Information. It explains your responsibilities under the Fair Credit Reporting Act ( FCRA ). The FCRA requires that debt collectors give an identity theft victim documents related to an account if the victim asks. Please send me copies of all records relating to the account, including : date account open all sign original contract including : Account applications made on paper, online, or by telephone Account statements or invoices Records of payment or charge slips Delivery addresses associated with the account Records of phone numbers used to activate or access the account Signatures on applications and accounts Investigators report Please send me a letter explaining what you have done to : CMRE. XXXX or any company associate with this account that the debt is the result of identity theft Stop collection proceedings against me Stop reporting information about the debt to credit reporting companies Provide me with the records I request Thank you for your cooperation. 
Sincerely, XXXX, XXXX XXXX SOC SEC # XXXX DOB XX/XX/XXXX ADDRESS XXXX XXXX XXXX, XXXX 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 2016-11-28
Company: SYNCHRONY FINANCIAL
State: MT
Product: Credit card
Issue: Late fee

Complaint:
Belk credit card services, Synchrony Bank, has a billing window- after the billing date, and before the payment due date approximately 20 days later- where any payment made will count as your monthly payment. Any payment made outside that window will apply to your account, but will not count as your monthly payment, allowing Synchrony Bank to charge a {$35.00} fee for a missed payment. There is never any notice of this charge, and since it is not actually a late payment ( in excess of 30 days late ), there is no mal reporting to the credit bureaus that would alert a person to the late payment status. 
I have made XXXX payments in the past 12 months totaling {$1000.00} on a revolving credit card with a limit of {$1000.00} that usually has a balance of $ XXXX and I have incurred XXXX late fees of {$35.00} each totaling {$240.00} for payments made outside the payment window. I was never notified of these late payments nor of the fees. I would have never known if I had n't called to see why my balance went up after making a payment. I have had this account for several years and have never known of this sneaky extortion.

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 2015-07-13
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Other

Complaint:
There are several inquiries on my credit bureau report that appear to be in duplicate. They are all listing as a request by synchrony bank. There are duplicate entries by bank for TJMaxx. XXXX of the XXXX entries by XXXX has been deleted but an extra one remains. There is an erroneous inquiry on XXXX/XXXX/XXXX by the same bank. The bank reports they have opened an investigation with the credit bureau but it has been more than 30 days ago and the items remain. Written information about dispute never received from company as promised.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-01
Company: SYNCHRONY FINANCIAL
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Synchrony bank has contacted me every day since I have been past due at an upwards of 3-5 times per day. I feel very harassed and uncomfortable getting that many phone calls in one day from the same company to no avail. Every time I check my phone I seem to have a missed call from them.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-05-25
Company: BARCLAYS BANK DELAWARE
State: PA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
Barclaycard without warning decreased my credit line by {$4000.00} thereby negatively impacting my credit score. The action was done without regard to my income and ability to repay. The action was arbitrary and capricious. They did not communicate with me in advance They did not identify if there were areas of concern. They did not ask for documentation of my income. They just sent a letter reducing my credit limit from {$5000.00} to {$1000.00}. My balance was less than {$500.00} a significant portion of which was on 0 % interest promotion. I assume because I did not " make them more money. '' They saw fit to ruin the relationship I had with them.

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 2016-08-09
Company: BARCLAYS BANK DELAWARE
State: GA
Product: Credit card
Issue: Credit determination

Complaint:
I 've spoken with Barclays Bank office of the President. Who clearly stated that my last payment on this account was XXXX XXXX. I 've found Consumer Protection financial bureau statement in your file your file dated XXXX XXXX. Where Barclays Bank verified my last payment on XXXX XXXX, XXXX and they told you that since there where no other payments from XX/XX/XXXX-XX/XX/XXXX that they charged the account off. If Barclays told CPFA one thing in XX/XX/XXXX and lied about in XX/XX/XXXX. That 's a deception, inaccurate lie that this company is reporting to XXXX and XXXX. CPFA case # XXXX. Please look up information to show that Barclays had to the govt and continue to lie to me and the CRA Bureaus. Contact the lying office of the president at 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 2015-10-19
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
on XXXX/XXXX/2015, I filed an dispute with XXXX XXXX XXXX , XXXX. I advised them that I am not refusing to pay the alleged debt, but their claim is disputed. I advised XXXX XXXX XXXX to send me copy of contract with my authentic signature that begun this alleged debt and should the contract not be available with my authentic signature to delete the trade line off the CRA. More importantly, I advised XXXX XXXX XXXX that not complying wit the FDCPA will put their company in a bad position with the CFPB. XXXX XXXX XXXX never sent me a contract with my authentic signature that begun this alleged debt and is still reporting the account to the CRA XXXX XXXX XXXX XXXX me correspondence dated XX/XX/2015, and it stated that they have responded to my previous disputes and there is not any new facts to form a new investigation pursuant to the fair credit reporting act U.S.C. section 1681s-2 ( a ) ( 8 ) ( F ) ( i ) ( 11 ) and no further replies will be forthcoming.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-08
Company: SYNCHRONY FINANCIAL
State: MD
Product: Credit card
Issue: Other

Complaint:
on XXXX XXXX i had a XXXX and been put on long term XXXX.havent been able to work since then.have repeardly told walmart and synchrony bank i am on hardahip and not to call. they constantly call and block thier nemer and are very rude and use bank names i dont deal with they say its personal and the mlae that calls refuses to give his name i tell them not to call and explain why they dont listen or care they will geet a payment when i can this all started when i was a month late with them

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-02-15
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: IN
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report shared with employer w/o consent

Complaint:
I was an XXXX for a company and 17 months after starting with them. They ran a credit report on me without telling me an without my authorization.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-26
Company: C & M Associates Group, Inc.
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Received call from " XXXX '' XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX , XXXX XXXX 
XXXX XXXX XXXX XXXX, IL XXXX I owe XXXX XXXX Bank some huge undisclosed sum of money. He states that the last activity was in 2004. 

Claims that they have authorized an immediate lawsuit against me in my county unless I quality for their hardship program AND immediately pay off this debt. 

The caller refused to identify himself, provide phone number, or to confirm his company name, address, etc. 

I repeatedly demanded written information be mailed to me. The caller refused to confirm that any mailing had been or will be sent. Only that I had to know about the debt and had to pay immediately unless I want the sheriff at my home. I was unable to get any direct contact information from the caller. 

The caller just kept threatening that a lawsuit was pending unless I pay. For the record : 1 ) I do n't owe the debt, and, 2 ) the alleged debt is out of statute for Pennsylvania. 

What is my recourse with the company?

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-24
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Savings account
Issue: Using a debit or ATM card

Complaint:
Capital One lied to me about being able to receive a letter from them, I had asked for a letter back in XXXX but I kept getting misinformation from them. I was told they were unable to send me anything due to legal requirements. I was able to get what I asked on XXXX XXXX via fedex which they claim they ca n't do. I faxed over documents to them on XXXX/XXXX/16 because due to their misinformation, I had a bank line of credit defaulted which means this will go on my credit report. They required a letter on Capital One 's letterhead which I notified them of. I am entitled back fees due to misinformation and lies of {$1000.00}, this will pay off my line of credit and plus any late fees that I had due to this. I have called numerous times on and I have not received a response from the company on this. Capital One could have sent me what I needed months ago but kept giving me brush off.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-04-12
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
My wife and I have a Capital One credit card. 
On XXXX XXXX, 2015 I received a fraud alert regarding a charge over {$19000.00}. 
I immediately alerted Capital One that this charge is fraudulent. 
On the phone I was reassured that Capital One recognized the charge as fraudulent. 
Over the next months, I had numerous phone calls with Capital One representatives, including several managers. The representatives told me that the charge will go away when their " internal investigation '' is finished. I was told this could take 2 months but in the meantime Capital One would erase any fees and interest. However, for six months I keep on getting the monthly statement with the charge of {$19000.00} and with new fees and interest. 
A few months ago I was assured that the charge will definitely not show up anymore and neither would any fees and interest. However, again, every month I continue to see this charge with new fees and interest on my statement. 
I have spent hours on the phone. It is a very high charge and I feel helpless get this issue resolved.

Company response to consumer: Closed with explanation