BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-25
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I was late making a payment one month on my JCPenney credit card. I was charged a late fee of {$34.00}. I made the payment due a couple days after the due date, and then made the next regularly scheduled payment on time. I was again charged a late fee, however, because rather than add the late fee to the total balance, Synchrony Bank added the late fee to the minimum payment due, in effect doubling or tripling the minimum payment amount that is usually due. I contacted JCP and talked to a rep or XXXX on the phone for over an hour. I said I could not pay the late fee on top of the min payment due and they should add it to the total balance. Instead, I was charged another late fee, despite making the payment on time. I ended up getting disconnected after over an hour of waiting on the phone with them. This is unfair. I made one late payment in years and was charged XXXX late fees, despite making only one late payment. The late fee should not be demanded along with the minimum payment due. I did get the late fees refunded to me, however, the practice of adding the late fee to the min payment due is what I am disputing. It took over an hour of my time to resolve an issue that should have never occurred.

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 2017-01-29
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit determination

Complaint:
I have applied for a few Synchrony Financial credit cards and recently they froze all of my credit cards. I received a letter asking me to allow access to my IRS Tax return. They requeted that i allow access to a 3rd party, not to Synchrony. I do not feel comfortable releasing such private information to a 3rd party. I have done nothing to require this type of treatment. I have NEVER made a late payment on any of my Synchrony managed credit cards. I consistently pay my account in full before the due date. 

It is very unfair for Synchrony to approve me for credit and then freeze my cards with no valid reason. I was recently singing the praises of Synchrony and how they have become my favorite and most reliable credit card issuer. Then 2 days later they froze my accounts. XXXX of the cards have not even been open for 10 days and are already appearing on my credit reports. If i do not comply with their demand for access to my tax returns i reisk them shutting down my acct which will have a detrimental effect on my credit report. They should have done any necessary verification before reporting the accts. My history of paying in full shows that i am not a credit risk to 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 2016-11-02
Company: UNITED SERVICES AUTOMOBILE ASSOCIATION
State: MN
Product: Payday loan
Issue: Can't contact lender

Complaint:
I received a phone call several weeks ago from the following number,XXXX. The lady stated that her name is XXXX and that I have a legal matter against me from a payday loan. She stated that I received a letter back in XXXX for repayment. I do not have this document. When asked who the company was, she stated that it was from a USAA payday services. I told her I could not recall this. When asked about if I could have documents that can prove this, she stated that I owe {$750.00} and that I need to make this payment before any additional legal matters can be pursued against me. When I asked again for documentation, she stated that she did not have time to provide that but if I was unable to make this payment due to hardships, she can reach out to a board to confirm if I could make installment payments. I was placed on hold for 10 minutes and she came back and said that a board approved for me to make installed payments in the amount of {$250.00} to close this legal matter out. When I asked again if there was any documentation that she can provide to me before I can commit, she stated that I would received a document showing receipt of payment. When I asked her if there was any document regarding the so called original letter that went out back in XXXX, she failed to provide any information to me. I was transferred to a payment center by the name of XXXX ( XXXX ). When I asked the rep about who they were, she stated that the process for over 20 companies and is a third party of the entity that has filed a legal matter against me. Again, no one was able to provide any details surrounding this payday loan or provide any documentation that would be sufficient for me to confirm this matter. I was told to provide my checking account information as these people have my home address and phone number. They were able to locate me and stated that in order to ensure that this issue is resolved, I needed to sign this form to have the first payment come out of my account on XXXX. I reluctantly provided this information due to the people stating that I would receive a receipt, however, I am still questioning the legitimacy of this matter. I want to make sure that I am not be violated against as I strongly believe that I am as I researched this XXXX number and I see many complaints of a possible scam. I have been a victim of identity theft in XXXX for which I closed out my accounts and went to the police back in XXXX because of stuff like this. I do n't want to be a victim of someone who is attempting to collect monies or if this company is violating any UDAAP policies towards me.

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 2016-09-30
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MN
Product: Debt collection
Sub-product: Credit card
Issue: Taking/threatening an illegal action
Sub-issue: Attempted to/Collected exempt funds

Complaint:
The debt collector for Capitol One bank ( XXXX XXXX XXXX XXXX . XXXX XXXX XXXX XXXX XXXX XXXX, MN XXXX ) filed suit in county I used to live ( XXXX County Minnesota ) in order to receive a summary judgement when I could not show for that court hearing ( I now live XXXX miles away from that court in XXXX County, Minnesota ). They are now using that judgement to file harassing annual garnishment notices with my employer. I say harassing because XXXX are well aware of the fact that my income falls under 'protected income ' status ( XXXX and part time employment WELL under the federal minimum standard of $ XXXX/wk ) and they have no reason to believe that my employment status has, is, or will change to any degree which would allow them to collect this debt, which I 've disputed the amount of from the beginning.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-17
Company: CAPITAL ONE FINANCIAL CORPORATION
State: VA
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan modification,collection,foreclosure

Complaint:
In XXXX 2014 we missed one mortgage payment. Since that time, almost 2 years now we have been trying to complete a loan modification with Capital One. They continue to state that we are missing documentation, they ca n't read a date or signature on forms, etc. I have most of the documentation from them especially the one where they stated they ca n't read the date or the signature. The point is that they are stalling and stacking up fees and destroying our credit. There are many examples of this on the internet so I know that we are not the only ones dealing with this issue. We have not missed a mortgage payment since 2014 and we are willing to work with them to figure this out. They sent us a letter stating that we have a single point of contact so they abide by the law yet I have never heard from my single point of contact. When I call my single point of contact I get someone else every time. At one point we had someone named XXXX working with us and he has flat out lied to us several times. He told us that he called and left us messages which is not the case.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-10-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: AZ
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Managing the loan or lease

Complaint:
Capital One Auto Loans makes collection calls on Auto Loan accounts prior to the due date. I have become a new auto loan customer within the last month and have been getting collection calls requesting payment prior to the due date. There has been no delinquency. This has been going on every day for the last two weeks. I understand from reading other customer complaints that this seems to be not isolated to my account but done to multiple accounts. I believe this practice is not lawful.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-05-13
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Billing disputes

Complaint:
I have never had a late payment on my credit ever. I signed up for a cap1/mnrds account on XXXX XXXX XXXX on my 6th payment the reported me lage 30-59 days late. I never recieved a statement and I had called numerous times why I had not gotten the statement. I was advised to wait until i got my next statement. I recently signed up for XXXX and noticed this error on my credit. I contacted capital one and they said to make the complain to the credit bureau and refused to help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-18
Company: CAPITAL ONE FINANCIAL CORPORATION
State: FL
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Deposits and withdrawals

Complaint:
Capital One 360 is my retail bank. XX/XX/2016, the bank began rejecting my attempts to deposit checks to my savings account. For more than six years before that, I deposited electronically without incident. I have corresponded repeatedly with the bank via the Message Center on the Web site since XX/XX/XXXX, and the bank says the tech team is working on the problem. There has been no progress that I can discern and the bank has offered no report on progress. I think two months is ample time to solve this problem.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-22
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NJ
Product: Credit card
Issue: Customer service / Customer relations

Complaint:
My friend add me As join account to his credit card but they restrict the account because of the fraud issue after summit all my information and validate my information gave me hard time in customer service because they never receive anything and always speak to someone who is out the country and have no idea about law in this country.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-13
Company: Byrider Franchising, LLC
State: FL
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
CNAC - FL118 Never validated the debt and my request how the loan was written off and negative information needs to be removed from my credit files

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MI
Product: Credit card
Issue: Other

Complaint:
I have been sent a pre-approved credit card application from XXXX XXXX, XXXX XXXX. XXXX, UT XXXXXXXXI am registered on XXXXXXXXI would like to know where Capital One got my credit information? And my name removed from Capital One contact list

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-03-21
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
Capital one fradulently charged my credit card in favor of XXXX despite I informed them I have not used the card for the purchase. I demanded to show them my authorization for the purchase but so far they have been declining to do that.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-01-20
Company: Trident Asset Management, L.L.C.
State: NC
Product: Debt collection
Sub-product: I do not know
Issue: Attempts to collect debt not owed
Sub-issue: Debt is not yours

Complaint:
This company, Trident Asset Management, previously reported on another credit bureau an inaccurate account and failed to provide any information or remove the information for the account with XXXX. After filing a complain with the CFPB on XX/XX/2020 ( Complaint XXXXattached ) and investigation, XXXX   deleted the information from my report as it was not validated or verified and there was no information about this account. Just a {$2700.00} collection appeared on my credit file. 

On XX/XX/2020, XXXX deleted the information from credit file and CFPB reported the complaint as closed. 

ON XX/XX/2020, when reviewing a new copy of my 3 bureau credit report, I noticed my XXXX credit report score had gone down significantly. Trident Asset Management has refused be lawful and has now done the same tactic by reporting this information on my XXXX credit report with a DIFFERENT ACCOUNT NUMBER, same amount. 

This creditor was required by law to advise and provide FDCPA information prior to adding to the credit report, which would have led to the ability to clear this matter prior. 

I have posted my credit report showing that when I filed the original CFPB complaint, the account number was different and the only bureau reporting was XXXX. Then on XX/XX/2020, the account was reporting on XXXX only with a DIFFERENT ACCOUNT number. 

Again, while in the process of preparing to make a significant purchase, this company has, again, added false information to my credit report with a different bureau in an attempt to extort monies assuming I am a naive consumer and not aware of my rights. 

XXXX  employee : XXXX XXXX XX/XX/2020 XXXX Eastern advised that : * This was updated on my credit report on XX/XX/2020 WITH a description that " Consumer disputes after resolution Collection account '' * They would not provide me information regarding when this account was added to my credit report, but it was NOT there prior to the original CFPB complaint * They would not provide me any information related to the information that was provided to add this to my credit profile, No promissory note, signed agreement, contract, accounting of monies, nothing This information needs to be removed and I am filing a complaint with the NC Department of Justice mirroring this complaint as well. 

The original complaint documents are attached and I refuse to go through another year of back forth with this company or a credit bureau because of this deceptive tactic.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-26
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
Hi my Name is XXXX XXXX I received a call from capital one 360, he was trying to collect a debt which he said was past due of XXXX or XXXX and last XXXX payments were on time..This is a check debit card the balance is {$210.00} it was over XXXX. this is the first time this has .also he said i was XXXX days behind. i need help. thank you account XXXX the phone where they called from is XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: IL
Product: Credit card
Issue: Other

Complaint:
I called Capital One Mastercard on about XXXX/XXXX/2015 to request an interest rate reduction and spoke with XXXX ( ID # XXXX ). Shortly thereafter, I received notification that our mailing address was changed. This was performed without our consent by " XXXX '' and after confirming with Capital One, our address in fact had stayed identical. 

As a result, their website refused to accommodate my request for a payment due date change, making it impossible for me to extend the due date of my {$4700.00} balance, because the statement closed the day after I attempted to do so online. 

Despite this egregious error, Capital One refused to correct the error and enable the date change on the website. Furthermore, they refused to extend the due date on my ~ {$4700.00} balance.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-05-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NY
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
On XX/XX/XXXX I recieved a letter from capitol one concerning a application for a credit card. This application was NOT submitted by me. I called capitol one and talked with XXXX on XXXX/XXXX/2016 and informed her I did not apply for credit.XX/XX/2016 recieved letter confirming that application was fraudulent.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-03
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OH
Product: Debt collection
Sub-product: Credit card
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt resulted from identity theft

Complaint:
I have explained to the Company that I did not open this Credit Card and was not mine. Explained to them that I had contractors, construction workers at my home at the time, but could give any names, as I am not for sure who opened this account.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-07-14
Company: CAPITAL ONE FINANCIAL CORPORATION
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My fiancee and I filled out, but did not submit and application for a Capital One 360 checking account. The website, in fact, timed out and logged us out due to inactivity. When I received an e-mail stating I had applied for and been denied a checking account, I immediately called Capital One 360. Capital One 360 stated there was no way such a thing could have occurred, and I had nothing to worry about because the inquiry does not show up on any reports. The inquiry showed up on both my and my fiancee 's XXXX reports. My fiancee has, to this day, received no notification she had even applied for this account. We both disputed the inquiry with XXXX. XXXX has found Capital One 360 's inquiry valid. My complaint is that I no longer feel safe using Capital One 360 and am weary of any other internet banking service. Neither me, nor my fiancee submitted an application for this checking account. We began the application to find out whether the account could be opened without the overdraft line of credit as we had no interest in such a feature. The webpage logged us out for inactivity on the final page of the application while we read the fine print pop up for this account and compared it to other checking accounts. We never clicked submit on this application. Somehow Capital One 360 's website pushed the application through while logging us out for inactivity. This error, juxtaposed with Capital One 360 's denial of the possibility of an error, makes their online application process deceptive and dishonest.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: CCS Financial Services, Inc.
State: GA
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:
This is a debt that is from XX/XX/2005. XXXX XXXX insured a motorcycle that was totaled in an accident. They reimbursed me for the motorcycle loss. I no longer had a motorcycle at that point but they continued to auto bill my checking account for a motorcycle that no longer existed. Not to mention that this is 11 years old. Now out the blue this company called Credit Control Services just starts to report this to my credit profile and they expect me to pay them. I did not owe this debt then and I do not owe it now. My credit score dropped XXXX points just because of this company 's dumb actions.

Company public response: Company believes the complaint is the result of a misunderstanding
Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-14
Company: JH Portfolio Debt Equities, LLC
State: FL
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I continue to receive calls from a company called Credit Control LLC which is claiming that I owe a debt, but on these calls Credit Control LLC wont say who the debt is from or what the debt is for. These calls started early this year and have continued to occur every other month. I have received no information in writing from the company. 

Furthermore, they are asking for personal identity information on their voicemail so I am concerned this is some type of identity theft scam. 

In reviewing my credit reports and contacting lenders/creditors, I have no record of any debts due or overdue, and no information from this company about what debt is due or what this is for. No adverse effect is noted in my credit reports or credit score so I am not sure what specifically they want, but the calls are becoming more harassing and frequent. Since I have received no written correspondence from the company or any creditor, I am concerned they are trying to scam me out of money or personal information.

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 2016-06-22
Company: Richard Sokoloff, Attorney At Law
State: NY
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was put into collection for XXXX medical bills and they are reporting on my credit reports which is affecting my credit score and affecting me in obtaining credit. I was on medicare at the time and I paid my {$140.00} out of pocket deductable. Everything else was paid by medicare. I sent a Cease and XXXX response back to the collection agency as under the 1977 Fair Debt collection Lractives this should have never been put in collection nor put on my credit reports. I am complaining because I do not owe these XXXX medical debts and how can they put me in twice for XXXX different medical bills when I was only responsible for the {$140.00}. I want this removed off my credit reports.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-03
Company: Informative Research
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
XXXX XXXX XXXX {$220000.00} Filed XXXX This is straight from my credit report I have never had a bankruptcy in my life yet this Tax lien/Bankruptcy is showing on my credit report and they will not remove it. It is stopping me from refinancing even thought the title company reported that it does not or never has belonged to me.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation