BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-12-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: UT
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Sued w/o proper notification of suit

Complaint:
In XXXX i owed capital one XXXX on a credit card debt. In XXXX it was charged off at XXXX, apparently sometime in early XXXX they got involved to assist in collection. Its been stated XXXX tried to contact me, then shortly after obtained a default judgement. Again apparently in XXXX ( maybe XXXX ) and in XXXX Of XXXX they again tried to negotiate a settlement with me, But since i didnt respond they got a judgement and ended up garnishing me in XXXX of XXXX. Facts are they didnt not provide, notify or contact me on this, and infact in those months of XXXX they pingged my XXXX work report and knew where i was, They served a writ of garnish of XXXX and in early XXXX AGAIN provided my employer with a additional XXXX still owed after the XXXX was garnished. At that point i contacted XXXX in XXXX and all of a sudden the second garnishment stopped and only XXXX was taken out of the XXXX, i have requested documents on the second garnishment XXXX seperate times and have not gotten anything from my former employer only that wat i have stated has happen in a verbal form. My former employer has stated a letter of satisfaction was sent, Again when i complained. The writ copy i recieved doesnt add up, Time stamps dont match documentation and no judges signature, Even the case number cant be found. They tried to garnish bank accounts i never had and XXXX documentation reads XXXX, in XXXX? This firm hasnt been XXXX for a while only XXXX? I got ripped off big time!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-11
Company: SYNCHRONY FINANCIAL
State: WI
Product: Credit card
Issue: Other fee

Complaint:
This is a complaint about BP Visa Credit Cards and the changeover from XXXX to Synchrony. 

My last XXXX credit card bill told me that autopay is on, that the full balance would be withdrawn on the due date. It was not. During the course of the last billing cycle, Synchrony took over and no payment was collected. Instead Synchrony charged a late payment fee of {$25.00} and interest of {$14.00}. They have corrected the late payment fee, but not the interest, yet. I have contacted them. 

I am contacting you about this because it may have affected a number of customers and the banks should not be rewarded for incompetent handover by allowing them to even try to collect late payment or interest charges from those who had autopay set up with XXXX.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-12-26
Company: Conn's, Inc.
State: LA
Product: Debt collection
Sub-product: Credit card
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I 'm late on my bill. My husband got laid off I have spoke with someone and told them and I would call back whenever it was 15 days past due and they still are calling me every 30 minutes to an hour I finally answered the phone and told them I already spoke with someone and told them well the little guy was rude after that and I hung up. This is starting to wake me up in the mornings and it 's becoming a very big aggravation to me and my family.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-27
Company: Conn's, Inc.
State: TX
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
They call almost every hour. I have received 12 calls starting at XXXX. It 's only XXXX. 8 hours!!

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-04-19
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Debt collection
Sub-product: I do not know
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I was divorced 12 years ago here in New Jersey. I paid off all I owed back then. Since then I have remarried and have had no credit at all until about 3 years ago. My credit is XXXX and that is with XXXX loans for my sons school payment and orthodontics. These large loan amounts owed is the only thing keeping my credit from being in the XXXX 's. I do not owe these people, XXXX, nor have I owed anyone once I divorced and paid off all my amounts due. They are clearly mistaken. I am XXXX and have XXXX. If necessary I will seek legal counsel and that will hurt my retired wife and I severely.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-21
Company: USA DISCOUNTERS LTD
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
USA discounters has not been refunding the total amount back to customers when they add new products to a contract. When they rewrite the contract They do n't apply the full refund back to the customers. A little bit it left in the principle to keep accumulating interest and the principle. 
This happened over my XXXX rewrites as I added new items. I did n't catch it until I was in a court battle with USA discounters and reviewing all my contracts. I noticed the difference when I compared there previous warranty and debt cancelation charges to the refunded amount. I read thought there bankruptcy paper work and they stat in there that those XXXX items are broken down over the length of the contract. 
When I went to court about the matter we settles but the lawyer told me I would probably win that section of my case if we went to the judge. I settled on a XXXX pay back ay 9 % interest over XXXX months. Which is fine by me when I was suppose to pay XXXX total. 
I need to bring this forward because if they did this to me they are doing it to other customers before they started there chapter XXXX. I hope you can look into this and it is found to be true and they are stealing form 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 explanation
Consumer complaint received 2016-06-13
Company: BARCLAYS BANK DELAWARE
State: TX
Product: Credit card
Issue: Arbitration

Complaint:
Barclay arrival XXXX card cancelled card with no reason and took over XXXX XXXX points ... 

Is this legal?

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 2015-12-22
Company: I.C. System, Inc.
State: NC
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
I previously had an account for internent service with XXXX but I closed the account in XXXX and paid the balance in full. However, in XXXX I received a bill from XXXX stating that I have an out standing balance I ca n't remember the exactly amount but I think it was about {$38.00} I called them we argued but they told me that I was billed for the month on XXXX even though I had cancelled my account. because I did n't want to have any problem with my credit, I paid the amount in full the requested. but in XXXX I reveived another bill from XXXX again so I called them right away on wednesday XXXX XXXX 2015.After they transferred me XXXX different places, I finally talked to XXXX of their agent called XXXX. she told me the account was set up in XXXX so I asked her how the account was set up under my name with my address and all my information without my concern? but she did n't give me any definite answer, she just said maybe it was an error. however, she to me everything was taken care of and there is nothing to worry about. she give me this confirmation number ( XXXX ) that the account was closed and everything was clear. At the end of XXXX, I received another bill from XXXX but I thought maybe it was sent before I talk to them in XXXX so I ignored it, however early this month, i received another bill from XXXX again and this time I also received a litter from collection again attempting to collect a debit ( here IC system, account # XXXX ) I also called them but she demanded me to pay the balance of {$120.00} which I told I do not own, so I told her I will called XXXX I hanged up and called XXXX right away an agent name XXXX XXXX answered the phone, I explained everything to her she told me it look like it is system error becauses the account showed it was cancelled in XXXX, so I asked her to please transfered me to the manager, so she transferred to another agent name XXXX, I spoke with XXXX for about five minutes before i realized she was not the manager, I asked to transferred to the manager but she said the manager was in the meeting and asked for my contact number to call me back whenever the meeting is over, I gave her my number and asked for the manager number in case they do n't call me so I can call them because they have done it to me before and they never call me back.But she refused to give me the manager or any direct call back number, I to her please give me the manager number so that I can call back whenever he/she finishes the meeting, she said there is no direct number and hanged up on me. 
So please I really need help for someone to question these people why are they doing this, and secondly clear my name and all my information in their system, I do n't trust them any more and I do n't want them to have any of my information in their system. thank you.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: Flagstar Bank, N.A.
State: RI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
Became over 30 days past due on my mortgage loan. Wanted to make a payment online through the bank 's internet portal, which does not carry a fee - but was restricted from doing so due to the past due status. Called in to make the missed payment and was assessed a {$15.00} fee for doing so. Blocking delinquent customers from free payment options and forcing a {$15.00} fee on them for essentially the same service with an agent - with no other free electronic payment options - strikes me as the imposition of an additional late charge beyond what the contract allowed for. 

Additionally, the bank offered a payment plan to allow me to cure the debt over time, which I appreciate. However, each installment under this plan will also be charged a {$15.00} processing fee, which seems again like the imposition of additional fees for customers experiencing hardship. I have agreed to these terms because I want to cure the delinquency.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2023-03-29
Company: HEARTLAND PAYMENT SYSTEMS INC
State: CT
Product: Checking or savings account
Sub-product: Other banking product or service
Issue: Problem with a lender or other company charging your account
Sub-issue: Transaction was not authorized

Complaint:
Global payments inc. Is a merchant service we used and services were canceled on XX/XX/20. I made a phone call to them to cancel and they called back 3 weeks later but did not get through to me. Since this time they have been charging our account non compliance fee 's for ( 28 months total ) without reaching out to us asking whats going on. This slipped through the cracks on our end but 28 months of non compliance fee 's being charged to one of their customers should be looked into. They offered 6 months credit but that's it. Us not canceling? ( I did ), does not justify not following up with their customers.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-27
Company: Paypal Holdings, Inc
State: CA
Product: Credit card
Issue: Transaction issue

Complaint:
I currently have a PayPal credit account and have had it for several years now. As of XXXX 2016 i have been unable to use my credit account anywhere. There are no vendors that accept PayPal credit. The problem is : The account keeps wanting to convert the currency used into XXXX instead of XXXX. I have called in to paypal 7 times, reported this issue, submitted tickets and anything else i can do on my end for months. Basically they have told me since XXXX that i need to wait for their tech team to fix the issue, all the while i have not been able to use or spend the money available on my account.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-01
Company: Westside Recovery Services, LLC
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I 've sent multiple requests to collection agency, both regular and certified mail, using their own return envelope that they provided with their collection letter. Collection agency has refused to verify my debt and refused all certified correspondence that I 've sent to them, including Validation of debt request.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-17
Company: Flagstar Bank, N.A.
State: WI
Product: Mortgage
Sub-product: FHA mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
I an attempt to modify/short sale etc ... XXXX My lender ( flagstar bank ) r has violated every possible servicing regulation, by causing delays failing to accept payments, mishandling my application that led to a denial, failed to send statements, failing to acknowledge my answer to judicial foreclosure. Their violations are clear and ongoing. They recently entered into an order of consent with your agency to comply with federal lws, however they continue to ignore them and are attempting an illegal foreclosure on my home.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-19
Company: Paypal Holdings, Inc
State: VA
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
I ordered something on the internet and thought I was using PayPal where they immediately take it out of your checking/savings account. Months later I received bills from PayPal with several late charges for a credit card that I did n't know that I had. I called them and told them that I did n't know I even had a credit card account with them, and they removed some of the charges but said I still had to pay {$26.00}, which I did. However, I received ANOTHER bill for late charges because they said I did n't " call back and make arrangements to pay the bill over the phone. '' I told them I had already given them a date that I would pay it, which I did on said date, and they said " you have to call back and tell us that and we can not remove this late charge now because you did n't call us back to tell us the date you were paying. ''

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-13
Company: Paypal Holdings, Inc
State: CT
Product: Debt collection
Sub-product: Credit card
Issue: Improper contact or sharing of info
Sub-issue: Talked to a third party about my debt

Complaint:
They keep calling outlets not relative to where I reside or would be able to have communication. There is no reason any one other than myself should be contacted regarding my finances or financial situation.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-10
Company: Google Compare Credit Cards Inc.
State: OH
Product: Money transfers
Sub-product: Domestic (US) money transfer
Issue: Other service issues

Complaint:
XXXX had technical issues and was send the request for payments for items I 've not received to Google wallet. I contacted google and the rep took XXXX of them off, and was unable to remove the rest, so I was told to contact my credit card to have the rest removed. So I did. XXXX then suspended my account and told me to verify my Id before they would open it back up. I sent all required documents and they did not open it back up.Visa asked them to verify what was charged and they sent XXXX documents, and it was agreed that those charges were legit and was put back on.. Now Google today after my second call ( The first XXXX was very ignorant. ) Told me now all charges that they can not verify must be back on before they will reopen my account XX/XX/2016-XX/XX/2016.. Now why should I pay for something that I did n't receive.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-29
Company: Paypal Holdings, Inc
State: NV
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Making/receiving payments, sending money

Complaint:
My son had moved to XXXX and my nephew set up a Paypal account for me. My son was depositing money so I could pay his bills in the state plus deposit money into our account for him. I had withdrawn money and put it into my bank account and then I went to withdraw again and there was a hold on my paypal account. 
I contacted then and they informed me the paypal account was a business account and they needed more information. I told them there was a mistake as it was suppose to be a personal account not business. They informed me they would let the department know and the account would be released. That never occurred and I phoned them 4 more times. I spoke with XXXX and XXXX supervisor who told me that department is very behind and it takes at least 6 months to look at the complaint and it 's been just over 5 months. They told me they received all the paperwork that I sent and that it would be at least another month before it was looked at. 
My son was n't able to start college on time and he 's not getting the interest on his money he would receive in the bank.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-06-04
Company: I.C. System, Inc.
State: VA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
IC Systems is reporting a collection account on my XXXX credit report that has not been validated or verified. I have never received anything in the mail from them and then I look at my credit report and they have a {$65.00} collection on there.

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 2015-08-21
Company: Paypal Holdings, Inc
State: LA
Product: Credit card
Issue: Billing disputes

Complaint:
I called the credit issuer to request a payment change date and they would not change the date unless I made a payment on the current due date. If I was able to make a payment on that date I would not be requesting to have the date changed. The representative was not pleasant and also not very helpful

Company response to consumer: Closed with monetary relief
Consumer complaint received 2017-02-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Called to complain about a fraudulent service I received. The credit company reimbursed my credit card and said they would look into my claim. 2 months later I seen on my statement that I was charged again for the original fraudulent amount. 
I called the credit card company and they told me that since they did n't receive a letter from me about my claim that they closed the dispute and charged me the full amount. I told them I never received the letter since I am retired and have been on vacation for 2 months. Capital One told me no problem, they would reopen the case and send me another letter. 6 weeks later I talk to the Capitol One and they tell me that they can not reopen my dispute!! Since I originally did n't mail them the letter ( that I never received ) they ca n't reopen the dispute. I said why did n't you tell me that 6 weeks ago!!

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-25
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Credit card
Issue: Other fee

Complaint:
On XXXX XXXX, 2015, I went on Capital One site to look at my balance and I saw that they charge a late fee of {$25.00} on XXXX XXXX, 2015 when my account was due XX/XX/XXXX. I forgot to pay my account but they assessed a late fee early. It 's a problem because I usually pay my account through XXXX XXXX and on time and I have been charge late fees when I paid the day it 's due. I 've called in the past about this and I was told that XXXX XXXX posted it late.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Credit card
Issue: Billing disputes

Complaint:
Capital One reported a 30 day delinquency on my account. However, they had sent the statement to my old address, AFTER they had already been informed of my new address. 
I 've attempted multiple times to get them to remove the delinquency as it was their fault for sending my billing statement to my old address. I 've attached a copy of my XX/XX/2015 Capital One statement showing they were aware of my new address prior to the billing statement for the " delinquency '' being sent.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: TX
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
These guys from XXXX XXXX keep calling me and telling me that there is a legal action for Theft of Business services and it s a felony and Im going to Jail.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-26
Company: AMERICAN EXPRESS COMPANY
State: OH
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
I have a fraudulent charge that American Express has yet to take off. It is from XXXX XXXX XXXX for {$8100.00}. This charge is not mine. I will NOT pay for it.

Company response to consumer: Closed with explanation