BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-04-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
Capital One placed a Judgment against me in 2011 for a debt I owed. My paycheck was garnished until the debt was satisfied. I have the satisfaction letter from the courts that the debt was paid. Now years later I am being harassed by the company Capital One uses to handle their collections. They claim I never paid the debt and are trying to get me to pay more money to satisfy the debt a second time. I have repeatedly told them that it was already taken care of and they will not listen. I try to call Capital One directly and they transfer me back to the collection company. To make it worse, Capital One is still reporting to the credit bureaus that I owe them money. I have sent numerous disputes to the bureaus to have this corrected and they are violating the Fair Credit Reporting Act by still reporting the balance. 

Please please help so I can move forward with my life!

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: PA
Product: Credit card
Issue: Billing statement

Complaint:
I have a Lord and Taylor credit card with a credit limit of XXXX because they had reduced my limit because of a decline in my credit score. I have n't used the card since this decline and before the decline my bill was paid on time. Recently I received a bill that I should have because the card has n't been used. Someone made fraudulent purchases on this card and I filed a dispute directly with the creditor and to date I have received and update but recently pulled my credit report and they have an unpaid balance and has closed the account without my knowledge at all.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Other mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
My wife and I were separated XX/XX/XXXX and the divorce was finalized XX/XX/XXXX. The original mortgage holder, ( interest only mortgage ) until XX/XX/XXXX, had modified my mortgage by allowing a lower interest rate ( from 6 % to 4 % ) resulting in lowering the monthly payments by {$1000.00} per month. 
XX/XX/XXXX, Capital One took over the mortgage and defaulted the interest rate back to the original high rate ( 6 % ) which increased the payments by $ XXXX/mo. Since my financial conditions had not changed, I asked for reconsideration. On XX/XX/XXXX, after six months of providing various documents and being in constant communication with the Capital One account manager, I was offered a loan modification that was supposed to help me. However, after going through the trial period ( which I paid on time ), I was offered a plan that was approximately $ XXXX/mo more than the ING amount. Naturally, the higher payment could not be met since it was even higher than the defaulted rate I was requesting a reprieve from. I had no choice but to reject the offer. I also continued making the full payments for XX/XX/XXXX and XX/XX/XXXX. However, in XX/XX/XXXX Capital one sent me a notice for foreclosure.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-11-21
Company: Experian Information Solutions Inc.
State: NY
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: Their investigation did not fix an error on your report

Complaint:
The unverified items indicated below continue to report on my credit report despite several written requests, in violation of federal law.I sent multiple letters to the 3 credit bureaus, but I never received a response. Sections 609 ( a ) ( 1 ) ( A ) and 611 ( a ) ( 1 ) require these items to be updated ( A ). I will take legal action against you if you do not validate these items. Please follow the law so that this situation can be settled quickly. 

XXXX XXXX  Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX Bankruptcy XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX XXXX 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 non-monetary relief
Consumer complaint received 2016-02-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: WA
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I had a credit card with Orchard Bank and Capital One acquired them, I was never notified of this information I found out by calling. At no time did I receive a new card and agreement from Capital One, in most instances you have the option of opting out and closing your account, I was never given this option. I had a service on my card as well from Orchard Bank because I have a serious illness that causes me to have high medical expenses. I have contacted Capital One several times to get some answers and on a few occasions I received a call back from XXXX to whom left me a contact number, pin and extension and the contact number is always busy or just continuously rings. i have asked for a new contact agreement regarding terms and conditions and a card due in fact I do n't have a new credit card from Capital One and the card I have is from Orchard Bank has expired quite a while ago, therefore any new fees or interest rates that have changed, I never agreed upon and have no knowledge of, therefore I do not owe this debt. I am aware Capital One has unsavory business tactics to include security breaches and sub-par treatment of customers not being up front about the lack of security.

Company response to consumer: Closed with explanation
Consumer complaint received 2021-08-04
Company: Blackhawk Network Holdings Inc.
State: NY
Product: Credit card or prepaid card
Sub-product: General-purpose prepaid card
Issue: Problem getting a card or closing an account
Sub-issue: Trouble getting a working replacement card

Complaint:
On XXXX of 2021, my current Mastercard who Blackhawk XXXX now monitors expired. This is a " Funds do not Expire '' card, printed on the front of the card. No replacement card was sent and I was advised when I called their customer assistance that a new card would be reviewed? I have {$4000.00} of funds that they are trying to steal from me by not issuing a new card or sending me a check for that amount if they do not want to do the card. 

I have sent multiple messages via email to Blackhawk, case XXXX ( send XX/XX/XXXX ) and no response or update in two weeks. A XXXX  case was also opened on XX/XX/2021. They have no right to my money that was on this card and account and again, need to immediately send a new card with those funds intact to use or send a check for that amount to me. 

Please advise what actions can be taken so this situation is resolved as soon as possible.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-08
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital One Credit Card Company has wrongfully placed " Account in Dispute '' Flags, in XXXX places on my credit report. 
The subject Mastercard Credit Card from Capital One is no longer in use. The card has been destroyed. 
Date of last usage of credit card : XXXX ( more than 8 years ago!!! ) Balance Owing : XXXX Amount Past Due : XXXX Payment Due : XXXX I contacted Capital One Credit Card Company by phone and demanded removal of " Account in Dispute '' Flags. Multiple Capital One representatives told me that they have No financial records under my name and social security number. Despite this, they have not removed the " Account in Dispute '' Flags from my credit report. The subject wrongful " Account in Dispute '' Flags from Capital One are preventing my application for home mortgage refinancing from being approved. I demand immediate removal by Capital One of the wrongful " Account in Dispute '' Flags from my credit report. I further demand that Capital One be assessed a {$500.00} punitive fine for their wrongful actions.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-11-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, 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:
Im resubmitting a complaint to you today to inform you I was the victim of identity theft. I researched how to remove the fraudulent items in my report and found that I need to visit FEDERAL TRADE COMMISSION or https : //www.ftc.gov to file a report Per FCRA section 605b Credit Reporting Agencies are required to remove any item listed on an id theft report. Please find the ATTACHED documents to assist in blocking the erroneous information which is being posted to my report. 

Here is the list of items that do not belong to me or were opened without my permission. 

XXXX XXXX XXXX XXXX XXXX XXXX XXXX, IL XXXX XX/XX/XXXX ; XXXX XXXX XXXX XXXX XXXX XXXX  XXXX XX/XX/XXXX ; According to FCRA Section 605B ( a ) the CREDIT REPORTING AGENCIES shall block any information in the file of a consumer that the consumer identifies as information that resulted from alleged identity theft, not later than 4 business days after the date of receipt.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-03-15
Company: SYNCHRONY FINANCIAL
State: WA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I purchased a bed from XXXX XXXX ( financed through GECB ) in 2012. I applied for the loan in the store and was approved for {$3000.00}. This was a promotional loan, i.e. 24 months interest free for 24 months. Upon being approved, the salesperson told me what the monthly payments were to be. GECB then became Synchrony. I requested from Synchrony a copy of my application and the terms of the loan, but they have informed me that since my application was taken " electronically '', a paper copy is not available. 
I received a bill monthly and paid what it indicated was the " total minimum payment due. '' At the end of the 24 months, as I had not paid the full amount, I was hit with the back interest, which increased my balance from {$1900.00} to {$3700.00}. 
My complaint is multi-faceted, but boils down to the fact that I feel this type is lending is a trap. First of all, there is no way for me to check and see if I was informed that I needed to make 24 equal payments in a certain amount in order to benefit from the 0 % interest deal, as Synchrony is not able to provide me with my loan agreement. Secondly, GECB/Synchrony did not make it plain on my monthly statement what I needed to pay in order to take advantage of the deal. I assumed, stupidly I admit, that the minimum amount they listed was adequate to take advantage of the financing. The statements all say, " If you have a DEFERRED INTEREST/NO INTEREST IF PAID IN FULL promotion : To avoid paying Deferred Interest Charges on these promotion ( s ), you must pay the entire applicable Promotional Balance by the Promotional Expiration Date. '' They provide the date and the balance, but nowhere in the statement does it tell me what my payment needed to be in order to avoid the application of all the interest at the end of 2 years. 
I have recently heard on television/radio merchants such as XXXX XXXX XXXX now make clear that the special financing requires equal minimum payments, which leads me to believe that I am not the first person with this issue. 
I am now facing a balance of {$3000.00} w/ a 29.99 % interest rate. I believe that this is the goal of these finance companies - to not fully-inform consumers up front what the equal payments need to be, so that they can rake in HUGE profits. If I had been informed in my monthly statements what I needed to pay in order to avoid the full amount, I would have paid that amount.

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 2015-11-29
Company: SYNCHRONY FINANCIAL
State: OH
Product: Credit card
Issue: Billing statement

Complaint:
We use a Synchrony Bank Lowes credit card for purchases. They offer us a promotional no interest payment option for 6 months on purchases over {$290.00}. However, payment is required, like any normal credit card on purchases that are less than {$290.00}. 

On the statement, there is nowhere to determine how much our payment should be to the bank, in order to not pay any interest on the non promotional purchases. The only payment information they show us on the statement is the full statement balance, which included the promotional purchases, and the minimum payment, which is {$25.00}. 

I would like to know the amount that I need to pay in order to not pay any interest, or receive any other fees for late payments. Also, this information should be made readily available on every single statement, as it is currently deceiving to only show the minimum payment and full statement balance. 

For example, if I purchased {$500.00} on a 6 month non-interest promotional plan, and then purchased another {$200.00} as a regular purchase, the amount needed to pay off the credit card to avoid late penalties would be simply {$200.00} for month 1. If that amount was not paid in full in month 1, then it would include interest charges plus the amount not paid in month 2. 

There is nowhere on the statement that shows what that {$200.00} balance is. 

I have contacted customer representatives twice, but they do not understand what we are asking, and do not fully give us an answer .... It seems like they may even be intentionally deceiving us.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-17
Company: BARCLAYS BANK DELAWARE
State: OH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Time Share forcing in signing contract an not letting us to recede. 
Everything pertaining sent back as certified which all copies of letters were copied. Because the letter was post marked late which was not even 24 hours there not canceling the contract. 
XXXX companys are not responsive in returning calls or letters, or faxes. 
Yesterday XXXX/XXXX/16 the Bank is refusing the Recession we 're held responsible for contract payments. 
Asked if company 's requesting in canceling as the reply was No. 
Explained that we 're not paying as I done everything they asked to support this case, XXXX company 's were sent letters, fax 's, and e mails. 
Asked Barclay being the 3rd party if they could help in the matter, and refused! 
Both have opened case # referencing above. 
Pretty much feel like being forced in doing something of which we had on intensions of doing, and while were XXXX XXXX XXXX and on SS we were XXXX victimized.

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 2023-08-11
Company: TekCollect Inc.
State: AZ
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This collection company which I have " NO Contract '' with is in violation of the FCRA. They have no legal right to collect the debt per the contract with the original company. Reporting of the debt is a violation of the FCRA.

Pursuant to 18USC 8, I owe no debt. This company is violating my consumer right to privacy pursuant to 15USC 1681b 2. Company also has NO permission to report ANYTHING using my info pursuant to 15USC 1681 4.

I have not supplied proof under the doctoring of the estoppel by silence.Engelhardt v. Graves ( mo ) 281 SW 715,719. I presume that no proof of the alleged debt nor therefore any such debt in fact exists Please delete this account immediately from all three credit bureaus.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-01
Company: BARCLAYS BANK DELAWARE
State: DE
Product: Credit card
Issue: Other fee

Complaint:
Barclay Bank charged interest fees on interest only balance. Account balance was paid off $ XXXX then bill was sent showing a new balance due to interest of {$6.00}, a {$10.00} payment was made, however on next statement there was {$.00} in interest charged. My understanding is that it is no legal to charge interest on interest and believe this is a violation of the unfair and deceptive act that could be affecting many of their other customers.

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 2016-01-26
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
I went on the XXXX XXXX credit card website after reviewing my bank account for the last two months. There was no payment made to this company. I reviewed my email account and I checked my mail to see if there were any statements from the past few months. There was nothing. In addition, I have not received any phone calls from " XXXX XXXX Credit Card '' advising to call them. I then review my credit bureau. To my dismay and shock, I was reported delinquent by this company. I have XXXX other XXXX XXXX XXXX. I have ones that send email statements and I have ones that send physical statements. I called XXXX XXXX last night as asked to speak to a manager. I was transferred to an escalations representative. He obviously was having a bad day or he just was n't interested in talking. He was very defensive in his tone and when I explained that I had n't received statements or calls, his response to me was that the statements are courtesy and are not needed to make the payment. For me, they are a reminder that the payment is due - as it is for most consumers. He said that I enrolled in the electronic statements and was advised again today I was since XXXX 2015. I have n't received them. I get confirmation emails when I make my payments, but not the actual statements. When I asked why I have n't received a phone call he said that it was n't necessary to call the customer when they are delinquent. I used to work as a collections rep, that is incorrect - especially if they are more than 2 moonths past due. I called and spoke to XXXX, another escalations rep even though I asked to speak to a supervisor, reviewed my information and advised everything is correct. She also stated that phone calls were placed. I asked for the phone number they would be calling from. I also advised that I have n't received calls or voicemails. I find it interesting that of all the accounts I have with XXXX Bank, this is the only XXXX I amhaving issues with.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-07-31
Company: Conn's, Inc.
State: CO
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
My bill was due XX/XX/2015. I have received exactly XXXX calls in the last XXXX days, most with less than 1 hour between calls and today is ONLY XX/XX/2015. They were advised it would be taken care of as soon as possible yet I am getting phone calls some just minutes apart. I usually pay XXXX days ahead of time and I also pay more than my required monthly payment. This is harassment and I have advised them of that. I have also requested them not to contact me at my place of employment nor on my cell phone during business hours as it could ultimately cause me to have issue with my employer and if I get fired I wo n't have any means to pay the balances on my accounts. I do n't know if this call center is regulated by the FDCPA or the CFPB but they should be. I have never experienced a " customer service '' call center as rude or senseless as this and I have not done anything to be disrespected the way I have been, nor harassed for the last XXXX days consistently. I am outraged at the lack of compassion and reasonable reaction from these agents. There are many types of there are laws and regulations that protect us as consumers and I acknowledge that I have an obligation but harassing me is not going to resolve any issue, ESPECIALLY when it 's not even XXXX days delinquent. Due to daycare expenses for a single mother of XXXX during the summer months being double what they are during the school year a small amount of understanding should be shown. I have a perfect payment history with this company up to this month and they have n't even asked if they can " help '' me or what the under lying issue might be. I 'm not even certain if it is customer service or collection I have had to deal with. Regardless, they are harassing and abusing me as a consumer. I have not been this afraid to contact a company and work out a bill in a very long time. It is unreasonable and unnecessary phone Harassment.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-30
Company: PNC Bank N.A.
State: NV
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
I wish to avoid foreclosure on my home so my attorney submitted an offer for short sale to my servicer PNC on XXXX/XXXX/2016. At the time there was a sale date set for XXXX/XXXX/2016. The sale date was then extended to XXXX/XXXX/2016. Upon following up with PNC in XXXX 2016, PNC stated they had closed the request for short sale because it was received less than 30 days prior to a sale date. My attorney then advised them the sale date was extended to XXXX/XXXX/2016 and therefore it was actually received 39 days prior to the new sale date. PNC then stated that they will not accept the request until after the sale date had been extended. Which makes no sense!!! Common sense tells us that sale dates are only extended for 30 day periods at a time. So how is someone supposed to wait to submit a request until after the sale date is extended, but still get in the request more than 30 days prior to a sale date??? 
This makes no sense and it appears to be a rule PNC uses simply to evade reviewing someone for assistance. There is no reason why we should have to refax in the same paperwork and offer they already have on file from XXXX/XXXX/2016. They received the request 39 days prior to a sale date and simply making up a rule that is impossible to meet, is not a valid reason to evade review of a request from someone to avoid foreclosure.

Company response to consumer: Closed with explanation