BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-04-21
Company: U.S. BANCORP
State: WA
Product: Bank account or service
Sub-product: Checking account
Issue: Deposits and withdrawals

Complaint:
My son, college student, working a part-time job, received his first paycheck in paper form XXXX XXXX, 2015. He had 30 min lunch to deposit money and grab lunch, he is also a XXXX. He tried the bank app to take a picture of the check for deposit, a confirmation email stated it was received and to wait for another email for for approval and processed, which he received. His account showed available {$200.00} out of the {$630.00}. He attempted to use his debit card, but it declined, he checked mobile banking and it stated that the check bounced and he was assessed the fees and now negative balance. He did n't have the time to wait in the busy bank lobby so he deposited the check in the atm. When he did that, US Bank froze his account and debit card, he spoke with customer service and they said that it would be fine after they check the atm to verify the paper check and fix his account it would take 48 hours. After waiting 3 days, he contacted customer service again because he was still locked out of his account, the representative stated that fraud had his account and they were working on it, if anything else the hold would auto release on XXXX XXXX, 2015. It is now XXXX XXXX, 2015 and we continue to get the run around from US Bank and his account is still locked and he still has no access to his funds. Good thing I gave him money. My son conference me with US bank on the phone around XXXX pst XXXX XXXX, 2015 to add me to his account so that I could contact the bank and fix this mess, I gave all of my vital information, address, phone, name, dob, ssn, driver license info, everything, I contacted the fraud department this morning XXXX XXXX to find that non of my information was added or even a record of the call that transpired. My son is walking to the train station on his way to work this morning, he called them again, the rep stated he has access to his account the check cleared back on XXXX XXXX? Ummm, still cant use the debit card or access his account 2 weeks later ... .This is poor customer service and extremely poor banking practices. my son has never broken the law, never been in trouble, does n't party or do drugs, this was, what we are learning now, a mistake but honest on his end, he needed to eat something the day this started because he is a XXXX and all of this could have been avoided if he was n't consistently being lied to. now the reps are telling him the branch he opened the account with is the only one that can unlock his account. I want to know who has my vital information if it was never added, this might be a cause of identity theft and fraud. My son needs assistance with his dealings with US Bank and I need assistance on laws regarding my identity, please help us. 

Thank you ....

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-06-24
Company: Nationwide Credit Corporation
State: NC
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
Calls me at least XXXX times a day even though I am making monthly payments .And have never gotten written notices or bills.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-08
Company: U.S. BANCORP
State: CO
Product: Mortgage
Sub-product: Conventional fixed mortgage
Issue: Loan servicing, payments, escrow account

Complaint:
My home in Florida suffered flood damage from Hurricane XXXX on XX/XX/XXXX. I took mitigation action IAW FEMA rules and worked with my insurance company for claim resolution. After four months I received a claims check and forwarded it to my mortgage holder - US Bank. I fully explained my situation with US Bank and followed their instructions to submit receipts and detail the work accomplished on the property. We were unable to get a contractor to even start repairs on our house for four months so I did much work myself and brought in specialists as necessary. I documented all of this to US Bank but they want more information before they will even consider processing an " exception '' to reimburse me from my flood claim payment. I will provide them the info but have no doubt they will continue to delay reimbursing me in order to use my insurance money to their benefit. As a XXXX veteran living on a military pension I am now financially hampered after using over {$60000.00} of my savings to repair my home so I can live in it. US Bank has taken my insurance payment of over {$66000.00} and is unwilling to provide it to me to reimburse me for work completed or finish the repairs. 
US Bank Loan acct # XXXX Claim tracking # XXXX Property address XXXX XXXX XXXX XXXX, XXXX XXXX, Fl XXXX XXXX XXXX XXXX XXXXXXXXXXXX XXXX

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-24
Company: U.S. BANCORP
State: TX
Product: Credit card
Issue: Rewards

Complaint:
The card promised the benefit listed below but after payment of my {$75.00} annual fee I received notice this benefit was ending as of XXXX XXXX, 2015. I called for reimbursement of my annual fee and was told that was not possible. I paid my fee but US bank did not honor their part of the agreement. 

XXXX.Bonus Award Night : When you redeem Gold Points for Award Nights of XXXX or more consecutive nights at the same participating XXXX XXXX hotel property, you will receive the last of the Award Nights of that stay free without deduction of any Gold Points from your XXXX account ( " Bonus Award Night '' ). Your Account must be open and reservation must be in the XXXX XXXX member 's name and use the member number associated with your Account to be eligible for the Bonus Award Night. The Bonus Award Night offer is available only on advance reservations for Award Nights paid in full with Gold Points and is not valid with standard paid reservations or Points + Cash redemption reservations. Only XXXX Bonus Award Night will be available for a stay of XXXX or more consecutive nights at the same hotel XXXX early checkout with XXXX night stay not eligible ), regardless of the total length of stay, the total number of reservations or the number of check-in/check-outs, is subject to availability and all other terms and conditions and cancellation policies regarding Award Nights apply. Does not apply to additional reservations booked as contiguous stays at the same hotel. Only XXXX room per reservation, per hotel for an Award Stay will be eligible to receive the Bonus Award Night offer. Your Account must be open at the time of redemption to qualify for Bonus Award Nights ; any Award Night reservation made before your Account was open will need to be rebooked to qualify ( rebooking is subject to availability ). Maximum XXXX ( XXXX ) Bonus Award Nights per calendar year per member with an open Account ( " Annual Maximum '' ). If a reservation with a Bonus Award Night is subject to a cancellation penalty, the Bonus Award Night from that reservation will count against the Annual Maximum. A Bonus Award Night has no Gold Point or cash value and cancellations involving a Bonus Award Night will not result in the credit of any additional Gold Points in your XXXX XXXX account.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-12-31
Company: SYNCHRONY FINANCIAL
State: RI
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
In XXXX of XXXX I purchased a mattress from XXXX total cost was around {$2800.00} and was offered a promotional 0 % interest credit card promotion from Synchrony Financial formerly GE Capital. I also set up automatic payments and e-bills rather than paper bills. In XXXX of XXXX my promotional offer ended and I was charged differed interest at a 29.99 % rate in the amount of about {$960.00}. In my ignorance I did not realize that my promotional rate had expired until a few days ago. I found not only was I charge the XXXX but had been charged interest a 29.99 % of the new total balance for the past 6 months. I did not understand that this was a differed interest rate or should I say I misunderstood. So overall I have now been charged a total of XXXX in interest so more than half of the original cost for the matters. I believe that these differed interest rates deals are deceiving and in some cases predatory. They were once outlawed but stores and companied lobbied for them and congress created a loop-hole in the system. I have found many more who have been duped with this deal and I want to make others aware. If you have any ideas as to how I could reverse this I 'd appreciate it.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-20
Company: BARCLAYS BANK DELAWARE
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
A fraudulent charge appeared on my credit card. I have been trying to get Barclay 's to address this issue. I have sent XXXX letters and called XXXX times. I have not received any documentation from them, any notification from them, nothing. When I call to try to find out what they are doing I get the run around. They are trying to drag this out past the XXXX period where I can dispute the charge. They have offered no explanation and no help, I just keep getting bills and when I call to ask what is going on I am told the department that handles is " is n't answering their phones. ''

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-01-18
Company: CURO Intermediate Holdings
State: TX
Product: Payday loan
Issue: Charged fees or interest I didn't expect

Complaint:
Here 's mynissue : I want to pay Speedy Cash off in full. I suffered a series of distressing and documentable circumstances. Going in person to attempt to speak to an associate, I felt humiliated, discounted and embarrassed. I am also seriously concerned about predatory lending with beastly, unfair fees on top of fees and mountains of interest charge. 

I need your help, please : I am formally demanding a total payoff amount - minus those predatory fees and beastly interest. Also, had I been able to get help, clarity and assistance in person, I know that some of these fees would not be on this account. 

Please assist me toward demanding a full payoff amount offer, in writing minus those predatory fees and compounded interest on top of interest. I want this account to be totally resolved. Please also pass stricter legislation to govern and regulate these predatory organization and the way consumers are treated. Their documents are complicated for the average person and difficult to understand the true, devastating impact on a consumer 's account, budget and life. Thank you very much.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-06
Company: CURO Intermediate Holdings
State: TX
Product: Debt collection
Sub-product: Payday loan
Issue: Communication tactics
Sub-issue: Threatened to take legal action

Complaint:
This company Speedy Cash. Sends repeated threatening email to my work email. This is how they are communicating to me. This company also has put this on my credit report and is negatively hurting my credit history. Emails are coming from random people with oulook accounts stating, they will contact my employer so they can take action against me. There are threatening to sue me and have different amounts to pay on each email. This is a fradualent company who terrorizes ppl. I have told them to STOP contacting me at my workplace which is a violation. I have the emails for review.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-01-28
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Billing disputes

Complaint:
I have gotten bill/statement for ( dental ) services I did NOT receive. The ONLY ( dental ) work done in XXXX 2015 by XXXX XXXX, was XXXX ( XXXX ) dental XXXX whose price was quoted to me at XXXX dollars ( {$1100.00} ), yet I got a bill/ statement in the amount of XXXX XXXX XXXX dollars ( {$6000.00} ). Not only has my dental condition WORSTENED, I have NOT been able to be seen by another dentist, and my credit has been NEGATIVELY IMPACTED & gt ;

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-01
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Forbearance / Workout plans

Complaint:
Synchrony Bank previously GE Retail Bank now is the financing company for Lowe 's, and HH Gregg. I made an unemployment claim back in 2013 to now have Synchrony Bank state that I did not have card coverage. I had both card for more than 20 years. I can not say how terrible this made me feel and how hard this is for this retail giant. I have these account that I paid on time over the years. I now need your assistance I know I was sold the card service to only have these companies report a Collection Balance when this is a Unemployment claim from XXXX that should have paid both these accounts off. Now that they are Synchrony Bank I am told I did not have coverage this can not be true as long as I had these cards. I need your help to investigate and resolve this for me.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2016-08-30
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
Synchrony Bank Amazon-Synchrony Bank/ Synchrony Amazon/ Synchrony XXXX has placed numerous inquiries on my credit reports ( XXXX, XXXX and XXXX ) . I did not authorize and have no knowledge of these requests for my credit. These inquiries are fraudulent and should be removed from my credit reports. The dates of these inquiries are as follows : Synchrony Bank Amazon XXXX/XXXX/XXXX Synchrony XXXX XXXX XXXX XXXX/XXXX/XXXX Synchrony Bank XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX XXXX/XXXX/XXXX In XXXX XXXX alone, requests for my credit were done XXXX times of which I was told is an indicator of identity theft. I have not recieved any correspondence from Synchrony Bank in the form of denial or approval letters. These requests for my credit were not authorized by me.

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 2015-08-14
Company: Credit Adjustment, Inc
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: False statements or representation
Sub-issue: Indicated committed crime not paying

Complaint:
turned into collection agency from XXXX/ for a debit I was handling with my insurance company. debit turned over to Credit Adjustment XXXX Inc. XXXX XXXX XXXX XXXX XXXX AZ XXXX acct XXXX XXXX XXXX, clt..acct # XXXX 
Arrangements were made and a monthly payments has been in a timely manner for months. Please remove this issue so I can regain my credit score. XXXX is the lady I spoke with at credit agency stating to contact you as a credit report was done yesterday with poor rating. Please call me as XXXX if any further questions or email me at XXXXXXXXXXXX matter needs to be resolved asap. 
thank youXXXX XXXX XXXX XXXX XXXX, AZ XXXX

Company public response: Company disputes the facts presented in the complaint
Company response to consumer: Closed with explanation
Consumer complaint received 2016-06-28
Company: Mercedes Benz Financial Services
State: NV
Product: Consumer Loan
Sub-product: Vehicle lease
Issue: Managing the loan or lease

Complaint:
I logged into Mercedes Benz Financial website to pay my car payment on XX/XX/XXXX, for a payment which was was due on XX/XX/XXXX. Their system indicated that I was due for two payments, ie that I was past due for a payment. In a panic, I paid the double payment, and emailed them to inquire why, if I was past due from the previous month, they had not contacted me. After making the payment, I went to my bank account, and discovered the previous months payment had been deducted from my account on XXXX XXXX, 2016. I emailed MBF this fact, but never heard from them on Monday. Finally I called customer service, and spoke to XXXX, ( last name unknown ) who explained, that their " NEW '' system, realizing that XX/XX/XXXX was a Saturday, and knowing that they place a 24 hour processing and additional 24 hour handling delay on payments, and because it was the weekend, they would just show it as due for 2 payments, because there was no way for their system to accept payment timely, even though at the time of my inquiry, I was only due for a single payment. In addition, when i discovered this I requested a refund of the unneeded payment, but was informed there would be an extensive delay to accommodate that request. I think this is deceptive and inaccurate servicing which has harmed me by mental anguish and financial harm. I have leased Mercedes for the past 15 years, but that is over now. XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-03-18
Company: SYNCHRONY FINANCIAL
State: MA
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
synchrony bank continues to report an erroneous account that does not belong to me on my XXXX and XXXX credit reports. they sent me copies of statements showing my name and address. I requested a copy of the credit card agreement showing my signature where I agreed to open an account with old Navy. I never opened nor used this account. it continues to damage my good credit.

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 2016-02-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Billing statement

Complaint:
I opened an account with Amazon.com in XXXX XXXX for an Amazon Store Card through Synchrony Bank. I made a payment on XXXX XXXX, XXXX for {$100.00}, however, it was before the bank had produced my first monthly statement on XXXX XXXX. This satisfied my XXXX payment. The billing cycle is 28 days long, meaning the billing cycle should have gone from XXXX XXXX - XXXX XXXX, XXXX. Unfortunately, when I logged into my online account Today, XXXX XXXX, XXXX to make my monthly payment, I was shocked to see in large red letters " 3 Days Late '' at the top of the page. I never received a monthly statement explaining this error in arithmetic. When I called their customer service, I was told my payment had been set for the XXXX of every month, which I never consented to, was notified of, or was made aware of. Clearly, this was not the case when I made my payment the previous month, since there had not even been a statement made available yet. The customer service representative removed the {$25.00} Late Fee that was charged to my account, however, it will still appear on my credit report as a late payment.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-09-09
Company: SYNCHRONY FINANCIAL
State: PA
Product: Debt collection
Sub-product: Credit card
Issue: False statements or representation
Sub-issue: Impersonated an attorney or official

Complaint:
Leaving me voicemails claiming to issue papers to me and if I am not home, they will report it as a missing court hearing. Also claiming that they have sent me certified mail to an address I do not live at. When I asked them to resend the letter to my correct address, they refused and said they already did their part.

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 2016-03-04
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Billing disputes

Complaint:
We booked a hotel room on XXXX using our TJX Rewards Platinum Master Card/Synchrony Bank. The hotel room was for XXXX XXXX, 2015 in XXXX XXXX. We paid {$210.00}. We received confirmation from XXXX. On XXXX XXXX we arrived at the hotel at approx XXXX XXXX. The hotel did not have any reservation for us and hotel was full. Called XXXX '' and they did not help us. We had to find another hotel on our own and pay from our own pocket. XXXX never got a room for us and never credited our card. TJX credit card said they can not help us. TJX CC initially credited us {$210.00} while the checked into it but later they took our {$210.00} again and said that the Merchant said that our reservation was non-refundable.?? They never made a reservation!! XXXX never paid a dime- they just did not perform. We lost {$210.00}.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-03-05
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Advertising and marketing

Complaint:
Recently I purchased an item from Williams-Sonoma on-line. Yesterday I received mail telling me I 've been pre-selected for a W-S Visa issued by Barclaycard. I 'm not at all interested ; I already own a Visa card from another financial institution. They offered an opt-out number to stop receiving 'pre-screened '' offers from Barclays and other companies by calling XXXX. When I called, the answering tree message wanted my Social Security number in order to opt out! Even THIS site says not to give out SS # s ( in the instructions ). I 'm angry that in order to NOT receive unwanted solicitations, I need to provide my SS #. This reeks of fraud, or, minimally, unsavory business tactics. Please contact Barclaycard to request they change their demand for a SS # to stop these offers. Thank you.

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 2021-11-25
Company: Experian Information Solutions Inc.
State: AZ
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:
To Whom It May Concern : There is currently an inaccurate item being reported on my credit report from XXXX  XXXX XXXX XXXX University. I have contacted this company at the address listed on my credit report here : XXXX XXXX XXXX XXXX XXXX, TX XXXX As you can see, I have enclosed a photocopy of my mail being returned from the post office due to an invalid address.

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