BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2016-12-06
Company: CAPITAL ONE FINANCIAL CORPORATION
State: LA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
On XXXX/XXXX/16 we went in to look at new vehicles. When we found the one we wanted, we explained that if they could not find financing within the XXXX bank hit on our credit and within the correct finance charges we were willing to pay, that we would return the following day with our own financing once our bank opened the following morning. When we went into the financing office, they notified us they hit our credit score 3 times. I was furious! When we were about to sign off on the car, we noticed the interest rate was XXXX points higher than we had agreed to pay. They had to adjust the selling price to get us approved by the bank at the lower rate. The next day I checked my credit report and noticed they had XXXX hard hits on my credit. I contacted the dealership and they said there was nothing they could do that sometimes their computer just keeps searching until it finds a bank to finance it. None of this is what we originally agreed upon. I had financing I could 've received from my bank the following day during bank hours but with it being the end of the month, I think the dealership was trying to hurry to close the deal and searched anywhere they could that late at night to get the deal done. I need these hard inquiries taken off of my record, because I never authorized them to go through XXXX of the XXXX banks, I only authorized them to go through XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-18
Company: SYNCHRONY FINANCIAL
State: NM
Product: Credit card
Issue: Late fee

Complaint:
Synchrony Bank which issues Sam 's Club credit cards is pulling a " XXXX XXXX. '' For the past two months I have been charged late fees and interest on my balance without receiving a statement from them or the statement arrived two days after I was emailed that late fees and interest was charged to my account. Furthermore, I have paid my balance on time and there is no record of it on my statement. When I tried to resolve this matter with the bank with a supervisor I was put on hold for 10 minutes as part of a avoidance tactic. When I called back again to speak with customer service, I was disconnected. I tried again and I was disconnected. It is my opinion that this another tactic banks are using to XXXX customers into paying monthly late fees and interest in an attempt to improve their bottom line. I want those late fees removed and all interest charges removed from my account immediately. This is another example of how banks like XXXX XXXX and Synchrony are XXXX unsuspecting customers to their benefit.

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 2015-08-16
Company: BARCLAYS BANK DELAWARE
State: NC
Product: Credit card
Issue: Advertising and marketing

Complaint:
In an effort to establish an individual line of credit for my wife, we decided to obtain a credit card in her name. After exploring the many options available, and based on our needs, we elected the Barclay 's XXXX XXXX Dividend Master Card at an annual fee of {$89.00}. Specifically, we are retired and we travel often to visit our children in other states. This card offered a {$99.00} companion ticket each year and a one day pass to the XXXX XXXX club. This would greatly assist us in our expenses during retirement and was the right choice for us. Application was made and she was approved on XX/XX/XXXX. At no time, in the literature or in any correspondence were we informed that this card was going to be replaced by Barclays Bank of Delaware with XXXX Master Card with less benefits. Shortly after we had paid our fees and made our first charges on the card we were notified that the card was going to be converted. After reviewing the literature and benefits available on the new card, we found that we would no longer receive the {$99.00} companion ticket or the one day pass to the XXXX XXXX XXXX as well as other benefits offered with the XXXX XXXX card. It appears to me that this was a " bait and switch '' offer and one that needs to be addressed by Barclays Bank of Delaware, XXXX XXXX, and XXXX XXXX. When I contacted the company, I was informed that I would receive one companion ticket that would have to be used by XX/XX/XXXX and one club pass that would have to be used by my anniversary date, XX/XX/XXXX. After that everything was no longer available. We would cancel this card, but to take out a credit card and then cancel it in a short period of time affects one 's credit. Since one of the reasons my wife selected this card was to establish her own credit, this is not a viable option.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-19
Company: SYNCHRONY FINANCIAL
State: VA
Product: Credit card
Issue: Late fee

Complaint:
I have cancelled XXXX credit cards since XX/XX/XXXX, after I was accused of providing late payment via mail on credit card bills. XXXX card was a JC Penney credit card, a XXXX card was a BP Visa Card, and a XXXX was a XXXX XXXX XXXX card. In all XXXX cases, the bank/sender of the credit card statements claimed that they received payment/check from me through the mail " just after the payment due date. '' I have had credit cards for over 30 years, and have never had to make a late payment fee for any cards prior to this past year. This recent problem with late payments on credit cards bills has not occurred with any other credit cards. XXXX of the cards are those issued by Synchrony Bank, and the XXXX was issued by XXXX. 
XX/XX/XXXX -- JC Penney card, {$17.00} late fee chargedXXXX XXXX -- BP Visa card, {$25.00} late fee chargedXXXX XXXX -- XXXX XXXX XXXX card, {$25.00} late fee chargedIn each case, I mailed my payment check 3 weeks ahead of the due date, and yet, the credit card company/bank said the payment arrived late. I find this suspicious, and wonder if it has anything to do with my never having paid late fees in my history of using credit cards. Is it possible this is a scam to make at least some money off of me, since credit card annual fees do n't exist on the cards? I had at least XXXX credit card company say directly to me many years ago that they could n't make money off of someone like me, after i asked to cancel my account with them since i did n't want to pay the annual fee on the card.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-11
Company: CARVANT FINANCIAL LLC
State: PA
Product: Consumer Loan
Sub-product: Vehicle loan
Issue: Taking out the loan or lease

Complaint:
Carvant financial is very difficult to deal with. We purchased a vehicle in XXXX 2014. The vehicle had blown head gaskets and now a transmission just went. The car is full of rust and should n't have even been eligible for financing. The dealership XXXX closed down so I am trying to find out if they went out of business to pursue them legally. However I called Carvant asking them for the principal amount and amount of payments that went to interest versus principal and copy of sign documents they have for this contract and they have not produced those documents to me. Finding out they have a gps device on the car however I never recall signing for that to be on the vehicle I want proof of that document signed by XXXX XXXX and myself to validate that it should be on there. Also they said they can legally repossess the car any day it goes pass the due date of XXXX of each month and I want to know if that 's true in state of Pennsylvania although we never been more than even 10-15 days late.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-01-23
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Unsolicited issuance of credit card

Complaint:
on XX/XX/XXXX i was alert by phone by XXXX representative to verify i wish to open a XXXX in the store with the fraudster holding on the other line.I advice i donot want or apply for XXXX XXXX card and to decline and close out account. i was told by the rep they will devaule the gift of {$750.00} that was been purchase to XXXX and close out. on XXXX/XXXX/XXXX i got a card to activate. i call back and advice i dont want this card and it is fraud i was then told that there is a balance on the card for {$750.00} and that the purchase was made on XX/XX/XXXX in the bronx and the card was applied for online in XX/XX/XXXX. i could not understand because here the bank presumingly have a fraud procedure in place to activate the card before it can be used but purchase was already made. I SEE ON MY CREDIT REPORT HE BANK REPORT THE AMOUNT OF {$740.00} ; STATING IT IS IN DISPUTE. I WISH FOR THIS TO BE TOTALLY REMOVE FROM MY CREDIT I also received a bill from sychrony bank for {$16000.00} for a store card issue for XXXX. I never received a call or alert from the bank when these unusually big purchases are been made in XXXX XXXX XXXX IN MIND I LIVE IN XXXX XXXX . I CONTACT THE BANK AND I WAS TOLD THAT I AM NOT RESPONSIBLE FOR THE BILL, I WANT THIS TAKEN OFF MY CREDIT REPORT. I am high XXXX and i dont want my credit tarnish. if these bank are so quick to issue and approve credit without proper id and some kind of alert system with all the fraud we face today in america. THEY NEED TO QUICKLY REMOVE THESE CREDIT FROM MY REPORT AND LET XXXX AND XXXX XXXX PAY THEM. I APPRECIATE ALL THE HELP YOUR CFPB CAN DO TO EXPEDITE THIS FRAUD OFF MY CREDIT REPORT TO MAKE ME WHOLE AGAIN.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-16
Company: Seattle Service Bureau, Inc
State: GA
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt is not mine

Complaint:
Message Body : I dispute all bills from XXXX XXXX XXXX, in due the fact I 'm under XXXX XXXX ASSISTANCE PLAN CODE XXXX. 
Please remove my name from all Collect Agencies XXXX 

Thanks!

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2016-07-22
Company: SYNCHRONY FINANCIAL
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Last XXXX XXXX I applied for a credit line to cover some XXXX at my XXXX office ( in one of their computers! ) I got approved with 'CareCredit ' from Synchrony Bank . 
I used the line of credit on the same day that I was approved, they offer me a promotional with 'no interest for 12 months ' the transaction was made on XXXX/XXXX/XXXX, but the due date on the card was/is for the XXXX of each month. 

I did not made any connection to it, until the month when I sent my last payment - which it should have been XXXX/XXXX/XXXX ( as it was stated on the 12 month promo ) but to my surprise and disbelief the promo expiration date turned out to be set for XXXX/XXXX/XXXX!! - Not the transaction date and not my due date ... now 'Synchrony Bank ' has charged me accrued interest from the transaction date to " their made up due date '' at a whopping 26.99 % interest rate ; they now want a total of {$540.00} more dollars from me. 

Had I known that they do in this a consistent basis just to trap people into paying whatever interest rate they decide, I would have use any of my low interest cards. 

Angry and sad in TX.

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 2023-03-29
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: IL
Product: Debt collection
Sub-product: I do not know
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
Greetings! 

I am writing to inform you about a probable scam or phishing attempt. Even though I do not own any debt, I get collector calls from Portfolio Recovery. These calls may be fake collector calls. I have not received any information from this company. They did not mail me a written notice, which is required for collectors according to the Fair Debt Collection Practices Act and the Consumer Financial Protection Bureaus Debt Collection Rule of 2021 ( CFPB, 2015 ; CFPB, 2023 ). 


Sources : CFPB ( 2023 ). CFPB Orders Repeat Offender Portfolio Recovery Associates to Pay More Than {$24.00} XXXX for Continued Illegal Debt Collection Practices and Consumer Reporting Violations. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-orders-portfolio-recovery-associates-to-pay-more-than-24-million-illegal-debt-collection-practices-reporting-violations/ CFPB ( 2015 ). CFPB Takes Action Against the Two Largest Debt Buyers for Using Deceptive Tactics to Collect Bad Debts. https : //www.consumerfinance.gov/about-us/newsroom/cfpb-takes-action-against-the-two-largest-debt-buyers-for-using-deceptive-tactics-to-collect-bad-debts/

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2015-09-03
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Late fee

Complaint:
The monthly payment on my credit card is usually due for payment on XXXX of each month and I make my payments electronically through my bank, regularly on the XXXX or the first working day of each month. When I checked my statement online today, I found that my account has been accessed a late fee of {$38.00}. I further checked my previous statements, only to find that the company started accessing my account late fee as far back as XX/XX/XXXX. I spoke with one of the company 's associates on the phone. She indicated that I have been paying my monthly due amount too early than their billing circle. She agreed to remove only the late fee accessed for XX/XX/XXXX, without removing those accessed from XX/XX/XXXX-XX/XX/XXXX, nor the interests charged on the late fees. It is sad, rather for the company to praise my efforts at making payment ahead of time, I am being charged late fee. I think this is another form of fraudulent credit card charges, when someone is penalized for meeting ones obligation ahead of time.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-06-19
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Billing disputes

Complaint:
I have a credit card with XXXX formerly XXXX And ShopNbc. I found out today that they said they closed my account because of non payment in six months, I told their Rep thats impossible because i have a print out not only from my bank but from their web site 's payment history which shows i 've made payments since XX/XX/XXXX to as recent as XX/XX/XXXX.The rep then said they never recivied it i said well there are comformation numbers with thoses payments.The Rep then said my account went to collections to a Co. called XXXX " I told the rep i never heard of them let alone recivied any letter 's or phone calls from them. After further probing i found out that XXXX has a misleadind and fraudulant practice of offering a payment plan on items the sell and charge the indivual consumer sperately but do n't inform them of this practice.As my monthly bill statement came in i paid it thinking the monies would go toward the bill.They ( The XXXX said it did not ) so i said had i known this i would not have accepted this or would have paid more to cover this hidden practice.I told the rep that this is a misleading practice as i never seen nor heard of such a thing as you pay but it goes to the princible only. i will seek legal action with the NEW YORK STATE ATTY GEN. As i tried to find someone to help me through their company i was given the ole consumer shuffle transfere here transfere there no solution in sight This is my last resort. Had i look online earlier i would have seen all the compliants about this company. See why the changed their name so often. Then the Rep said i owe for something i told him i never recivied. They also told me that because they closed my account that they erased all transactions? Sound very shifty to me glad i printed out my payment history from their web site.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-13
Company: SYNCHRONY FINANCIAL
State: AL
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have a JC Penner card with Sycrony Bank. Approximately a year ago l, fell behind on payments due to unemployment. XX/XX/2016, I paid a large sum to bring the card current. I continued to make monthly payments of the minimum until XX/XX/2016. I attempted to make a payment online and was unable.to do so as a meesage prompted stating I needed to contact XXXX. I called and the representative told me my account was closed due to non payment and the payment was noted on my account as settled. She told me she did n't have a lost of my transactions and asked about my last payment. I told her it was XX/XX/2016. She asked of I could verify it. I told her I received confirmation emails. She said there was no record and my account stated paid and settled. I told her I was not behind, and I 'd paid a significant amount of money, approximately {$500.00}, to bring the account current. More importantly, I would never agree to settle an account for a negative reporting on my credit report. She told me she notate a need for an investigation of my account. She told me to call back in 48 hours. l asked for a.return phome call or documentation be sent in the mail of the inquiry. She told me she could not make oitgoing calls or send notice in the mail. I called back 72 hours later, to allot ample time for the investigation, and the new representatvie shated the same information. My account was closed for non payment and noted as settled. This concerns me because I was not behind on payments. I did not agree to settle, and I spent approximately {$500.00} in XX/XX/XXXX to bring the account current.

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 2020-12-29
Company: Prosper Marketplace, Inc.
State: TX
Product: Debt collection
Sub-product: Payday loan debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I sent Prosper Marketplace Inc. a request for validation of a debt which has already been paid but I am yet to receive a response. They have engaged in deceptive, illegal and abusive debt collection practices. I have tried to resolve this account issue directly with them but they refuse to engage or respond.

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 2015-11-17
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
I have asked XXXX to investigate late payments showing in my report, and the only thing that I get as a response is that they can not honor my dispute for lack of information when I have send out XXXX dipute letter specifically requesting to investigate the accounts.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-15
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Delinquent account

Complaint:
My problem started in XXXX 2013 when I had a credit card issued by Synchrony Bank and I had stopped getting monthly bills from them, at this point I was unable to login online, or contact anyone through their customer service line, because they stated that I had passed away. Now as you may or may not know I am writing this so therefore have not passed away, and am very much alive. I 'm left unsure of where to turn with my problem and thought that maybe it would eventually go away. Now I 'm stuck with a credit card that was Charged-Off due to non-payment, which they would n't take. Due to this issue still not being resolved my credit has dropped significantly, and they are still unwilling to resolve this matter. Please if you can I would very much appreciate your help in resolving this matter.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-25
Company: BARCLAYS BANK DELAWARE
State: IN
Product: Credit card
Issue: Rewards

Complaint:
Barclay 's Bank closed my Barclay XXXX Card on XXXX XXXX, 2015 without notice and for no apparent reason. They simply sent me a letter indicating that " We have recently conducted a review of our accounts. Following this review, we regret to advise you that we are unable to maintain an account with you because of your history of account usage. Your account has been closed in accordance with the terms and conditions of the Cardmember Agreement ''. At the time of closure, I had accumulated XXXX miles on my Barclay XXXX Card, but I can no longer access those miles due to the sudden closure of my account. It is a deceptive business practice to tell me that I can earn and redeem miles, but then just close my account out of the blue without compensating me for the value of the rewards that I earned. Barclay 's website states that you can " redeem your miles for travel statement credits, and earn 10 % miles back to use toward your next redemption ''. Therefore, the value of XXXX miles would be {$1300.00}, with 10 % of the miles ( XXXX ) being returned to my account after redemption, which could then be used for another redemption of {$130.00}, etc. The total value of those miles after just XXXX redemptions is worth {$1400.00}. It appears very deceptive that Barclays Bank would encourage customers to earn these miles and then close an account without notice or reasonable cause. I have been an excellent customer. My XXXX score has ranged between XXXX to XXXX over the past year, according to Barclaycard itself. I have never made a late payment, nor had a bounced payment. I have typically paid early because Barclays Bank sends out emails, stating " Why wait? Make a payment now '', encouraging early payments before the due date. Not only have I used this card for a significant amount of my spending, but I 've also responded to their promotional enticements. For example, Barclays Bank encourages the purchase of gift cards, such as offering XXXX extra points per dollar spent by buying XXXX XXXX XXXX XXXX through their Barclays XXXX XXXX online shopping portal ( See attachment ). I have done that and I have been deliberately trying to earn miles because Barclays Bank claims repeatedly that " there 's no limit to how many miles you can earn '' ( See attachment ). It is deceptive for this bank to entice people like me to use this card, accumulate a significant amount of rewards, and then suddenly remove those rewards from me without any notice or warning. I will consider this matter satisfactorily settled if my account is credited for {$1400.00}, the minimum amount that my earned miles are worth if redeemed for travel statement credits.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief