BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-11-25
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
Walmart/Synchrony Bank on XX/XX/2015Did not follow the XXXX, SCRA when asked for it and submitted military documents supporting the benefits. When I spoke to the representative about the issue he said " We have the documents but that since I was a XXXX that I knew at one point I would get called up and that made me ineligible to receive the SCRA. '' XXXX. Since those benefits were n't given I was unable to make proper payments and even give the minimum. I worked out payments as much as I could at the time for time. Since the interest rate was so high I was just unable to make the payments. Soldiers regardless of status, going from XXXX to XXXX when being called to do so is not a fault of the soldier.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2022-04-25
Company: Synerprise Consulting Services, Inc.
State: TX
Product: Debt collection
Sub-product: Medical debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was result of identity theft

Complaint:
I am a victim of identity theft. I have tried to explain to the consumers that I have been having issues with the theft reporting and the Data Breaches I have been involved with from XXXX and XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-09-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Sale of account

Complaint:
I had an account with Old Navy, account # XXXX, that account was charged off and sold to XXXX account # XXXX that is reporting the account with a different creditor GE Money, this is a double jeopardy, double damage for my credit report because it appears that I have XXXX different accounts with different creditors. I called XXXX and they did not even give me the option to dispute it. I already have a complaint XXXX, is under investigation but they have not responded yet and is more than one month. XXXX the accounts has to be removed.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-09-12
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Identity theft / Fraud / Embezzlement

Complaint:
our citgo gas card had not been used by us since XXXX..our statement dated XXXX showed XXXX in purchase of diesel fuel at XXXX per purchase ... the cards are in our possession so we called and filed a dispute -- -we have cars which take XXXX of gas and we dont live in XXXX ... we notified both customer service and their fraud department ....

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: CITIBANK, N.A.
State: FL
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Advertising and marketing, including promotional offers
Sub-issue: Confusing or misleading advertising about the credit card

Complaint:
Applied for the Citi XXXX credit card with a XXXX TYP sign up bonus. Was approved but was never informed I was ineligible. I met the terms and never received the bonus. They claim it was XXXX months since I had the card but needed to be XXXX months to receive the bonus. 
No where along the way was I specifically informed of ineligibility. I think it unrealistic a customer is suppose to keep track of how many months between closing and opening an account. This is information they track. If they track it they should not be deceptive in their practices and let their customers know up front if they are eligible for the offer before approving the card. I was influenced yo apply by the sign up offer and was never informed along the way of ineligibility.

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 2017-03-09
Company: CAPITAL ONE FINANCIAL CORPORATION
State: OK
Product: Credit card
Issue: Other

Complaint:
I have XXXX capital one credit cards that have put on restricted status. Ive called numerous times to find out what 's going on all I 'm told is that its pending fraud no explanation no notification that this was being done and told they do not have a time limit on how long the hold will be.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-09
Company: Conn's, Inc.
State: TN
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Two weeks after receiving the XXXX washer and the other half of the sofa ; XXXX of the cushions on the sofa 's seam popped and fluff is showing and the washer started to squeak. I made a video of the washer and took pictures of the sofa cushion. I took them to the store and they guy there said, " Oh, call the service desk and they 'll help you get a new XXXX, especially since you just got it and you have proof it 's messing up '' .Keep in mind ; we agreed to have the protection plan for the sofa, {$310.00} for 3 years and {$290.00} for the washer for 4 years. The guy comes out for the washer on a Wednesday, 2 days before the 30days of having it in my home. He confirmed that the tub/cylinder is not centered properly and that is causing it to rub against the drying pad causing the squeak. When the tech called XXXX, they said this is a known problem, to just put some grease on it and that 's it. Wait WHAT?!!? Are you serious? I said OH NO! I have not had this 30days and there is clearly something wrong, you do n't want to FIX it you want to put a BANDAID on it, so it will break again and be even more messed up the next time. WHY would I pay for something like that!? So my husband and I go to the XXXX store and say we want to exchange it, he said okay, that 's a 15 % restocking fee. Wait a minute, we pay you {$290.00} for an extended protection plan and your tech confirmed something is wrong ... .but now you want me to pay you more to exchange it? The store manager says to call Customer Service and have an escalated ticket completed to see if they 'll waive the restocking fee ... did that. Took my break time at work to sit on the phone with their customer service and that guy XXXX, said he completely understands, that is not right, but obviously the 'escalated ' people do n't feel the same way. They called me back to tell me, nope, unless the manufacture says the machine is " not repairable '' will they waive the restocking fee ... But that is the problem, YOUR TECH SAYS THERE IS A PROBLEM, BUT XXXX DOES NOT ... So now, I am stuck with XXXX hand merchandise that I have to pay full retail price for. NO, COME GET YOUR STUFF!!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-04-14
Company: SYNCHRONY FINANCIAL
State: NH
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I have had many credit card accounts owned by Synchrony Bank. Due to false and wrong credit reporting by creditors to Credit Bureaus ie XXXX, XXXX, ALL credit cards I have had in GOOD standing, or were paid off in full according to terms of agreement with Synchrony ( NONE of which were in default or behind ) were closed!! This is an outrage as all the information for which their decision to close was based on each one ( and they were all the same ) stemmed from derogatory records or recent collections and these " adverse '' accounts have been shown to be wrong, false, and or have been removed from my credit report after review by creditors. There is no reason to have closed these accounts as I was never in default nor behind, and in fact several had XXXX balances. The closings have occurred over the course of last 6-8 weeks.

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 2016-09-09
Company: SYNCHRONY FINANCIAL
State: NJ
Product: Credit card
Issue: Transaction issue

Complaint:
Toys r us is reporting on XXXX a {$6800.00} charge off on my account. I only owed then {$77.00}. And the {$77.00} item was returned and never credited to my account

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 2015-12-23
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Late fee

Complaint:
I have an in-store card with Walmart and the payments are due on the XXXX day of every month. On XXXX/XXXX/2015 I made my third payment on the account inside of XXXX with cash in the morning. Later that day I checked my account and contacted a Walmart Representative in their card services department. I was told that my cash payment was on time and that no late fee would be added to my account. On XXXX/XXXX/2015 I checked my account and found that a {$25.00} late fee was applied to my account and an {$18.00} credit posted to the account had disappeared. That same day I contacted the Walmart card services department and spoke with XXXX male representatives who refused to remove the {$25.00} late fee and transfer me to a manager. XXXX Walmart reps argued that the {$25.00} late was justified even though I made the payment in time. I was very upset and stated that I thought this was a very dishonest business practice and threatened to cancel the card. In addition, I have proof that my payment was made on time. Since Walmart is refusing to remove the late fee and I am concerned that they will falsely report this information to the credit bureaus I have decided to write this agency to get the matter addressed.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-13
Company: AFNI INC.
State: OK
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:
I recently paid of both debts on my credit account and one has been removed but this one is still remaining. How do I get it removed and listed as paid.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: BANK OF THE WEST
State: CA
Product: Bank account or service
Sub-product: Checking account
Issue: Making/receiving payments, sending money

Complaint:
I make this check to XXXX and it was made for the amount of XXXX and and they forged and changed the name to : XXXX : and they put a new amount of {$4200.00}. I was reviewing my checking account and I noticed that a big check got paid. I call my bank manager XXXX and told him about what happen with my account and he toll me that he will look in to the matter I went to the bank near my house and toll the manager and they help me fill out a claim and this is the claim number # XXXX. 
that was done in XX/XX/2017 and they have n't contacted me with any information about my money. 
I cant trust this bank with my money

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 2017-02-15
Company: Shellpoint Partners, LLC
State: AP
Product: Mortgage
Sub-product: Conventional adjustable mortgage (ARM)
Issue: Loan modification,collection,foreclosure

Complaint:
In XX/XX/XXXX, I purchased a home in XXXX, AZ while on XXXX XXXX in the XXXX XXXX XXXX. I received mandatory permanent change of station orders to XXXX in XX/XX/XXXX, upon which time I rented the home, but once the renters moved out and the market tanked, and due to a loss of income after my wife lost her employment during the move, I began processing a short sale of the home in XX/XX/XXXX. Since XX/XX/XXXX, I have had XXXX buyers for a short sale and on each occasion, the XXXX mortgagers did not come to agreement and thereby causing the short sale purchasers to abandon the purchase. On each occasion, particularly after the short sale was denied, the servicing mortgage company sold ( XXXX transferred ) my mortgage to I presume the highest bidder. This is evident now as I submit my second complaint because, yes, my mortgage has been sold ( aka transferred ) yet again to Shellpoint Mortgage Servicing. And now, XXXX ( XXXX ) years later - as of this complaint, I still have not had success selling this home and the home remains vacant since XX/XX/XXXX.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: PORTFOLIO RECOVERY ASSOCIATES INC
State: MO
Product: Debt collection
Sub-product: Credit card debt
Issue: Written notification about debt
Sub-issue: Didn't receive enough information to verify debt

Complaint:
I have been attempting to get this account taken care of with Portfolio Recovery. I have requested debt validation on numerous occasions and all I have received is the same one statement over and over again. But they have never sent me the information I requested. Please see below : Please provide me with the following information : 1. Full accounting for this account 2. Copy of assignment of purchase from the original creditor. 
3. Every charge and what was purchased from the creditor.

4. How you calculated what you claim I owe.

5. Full chain of assignments from charge off to present.

6. Proof that you own the debt with full and clear title. 7. P roof that you were on the original contract I have requested this information on XX/XX/2020, XX/XX/2020, XX/XX/2020, XX/XX/2020. Today I sent a demand letter for this account to be removed since they have continuously failed to validate the debt.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-04-09
Company: SYNCHRONY FINANCIAL
State: MA
Product: Bank account or service
Sub-product: (CD) Certificate of deposit
Issue: Deposits and withdrawals

Complaint:
In XXXXXX/XX/XXXX I purchased a 12-month Certificate of Deposit for {$250000.00} from Synchrony Bank ( then called GE Capital Bank ) from money which came from the sale of our house, which would be needed in XXXX, XX/XX/XXXX to pay the large capital gains tax on the house. I sent instructions to Synchrony Bank to immediately transfer the money when the CD was mature to my checking account at XXXX XXXX XXXX, and I provided them with a voided check with the bank routing number and my account number at XXXX XXXX XXXX. Synchrony Bank sent the money with an incorrect account number to XXXX XXXX XXXX on XXXX XXXX ( this bank error was acknowledged by the supervisor at Synchrony Bank, XXXX XXXX, telephone XXXX XXXX XXXX extension XXXX ). The money was returned by XXXX XXXX XXXX XXXX Synchrony Bank on XXXX XXXX because of the incorrect account number. Synchrony Bank, through XXXX XXXX, acknowledges receiving the money on XXXX XXXX but as of now, over XXXX hours later they " can not find '' the money ( the amount missing is {$250000.00} ) and it has neither been returned to my account nor sent to the correct account at XXXX XXXX XXXX. Numerous phone calls to XXXX have been met with the claim that they do n't know what happened to my money, that they are working on it, and that there is no one I can talk to at the bank who can solve the problem. It is now likely that I will not be able to pay my income taxes next week and will thus incur significant interest and penalties on the tax owed ( over {$200000.00} ). I am now retired and have minimal income and no other way to raise this money. I have been treated very poorly by Synchrony Bank both in their incompetence in using an incorrect account number and in their alleged inability to fix the problem or to find my money even though they acknowledge it is somewhere in their own bank system. This amounts to negligence, incompetence, and possibly fraud and will have a materially harmful effect on my wife and me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-28
Company: AES/PHEAA
State: FL
Product: Debt collection
Sub-product: Non-federal student loan
Issue: Disclosure verification of debt
Sub-issue: Not given enough info to verify debt

Complaint:
I have a major issue with a couple items that appear to be duplicate and outdated I have disputed these and I get no where. Please help AES/XXXX XXXX AES/XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-02-22
Company: ENCORE CAPITAL GROUP INC.
State: PA
Product: Debt collection
Sub-product: I do not know
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
First notice is a letter stating to pay the bill with discount. On the back it says it 's a chargeoff from XX/XX/2009. I do n't even know what this is. PA has a 4 year statute of limitations on debt.

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2016-08-16
Company: CAPITAL ONE FINANCIAL CORPORATION
State: MD
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Capital One recently canceled my credit card without providing me with an explanation. Capital one called me two weeks ago and said there was suspected fraud related to my card and I needed to upload personal documents online in order to verify my identity. The documents requested were : a copy of my passport, the front and back of my social security card, and a bank statement. I provided the documents through their online portal and received a call the next day notifying me that I should call them. When I called them I was told that my account was permanently suspended because of fraud related activity. I asked them for an explanation, but was told they can not provide XXXX. I asked why a fraud investigation was being conducted in the first place and I was told they can not tell me. Prior to receiving the initial call there was no suspicious activity on my account. I 've held a card with Capital One since 2007. In the end the only answer they gave me was " I 'm sorry Sir your card is permenantly suspended, you may apply for a new card. '' My concern is two-fold. First, I deserve an explanation for why my account is being canceled. I 've never had a late payment the entire time I 've held the card. Second, if Capital One did indeed find fraud related to my account I would like to know so that I can take action to ensure my other accounts are no compromised. What can I do to obtain information as to why my account was canceled?

Company response to consumer: Closed with monetary relief
Consumer complaint received 2015-03-30
Company: Paypal Holdings, Inc
State: VA
Product: Credit card
Issue: Late fee

Complaint:
Billmelater charged me a late fee of {$35.00}. When I called in to make the payment in XXXX the system told me the payment was due so I made it. I had already made a payment earlier that month. So, when I went to pay this month they said I was past due and charged me a late fee. My payment was made XXXX day before the cycle date. This ended up being the XXXX payment I had made for the month of XXXX. They refused to waive the late charge.

Company response to consumer: Closed with explanation
Consumer complaint received 2020-08-18
Company: Kimball, Tirey & St. John LLP
State: CA
Product: Debt collection
Sub-product: Other debt
Issue: Attempts to collect debt not owed
Sub-issue: Debt was paid

Complaint:
I was renting at XXXXXXXX XXXX XXXX I had a balance of {$110.00} I was not aware of, the reason I found out it was on collection was because my credit score dropped, I contacted Kimball trey & St. John LLP to make the {$110.00} payment they said it'll be removed. XXXX I called them because it was still in collection and they said they couldn't remove it, XXXX I called back because its still damaging my credit, I'm trying to purchase my first home and I talk to XXXX at Kimball trey & St. John LLP which she still says they can't do nothing about it, the charge was paid as soon I found out I had that balance..

Company response to consumer: Closed with explanation
Consumer complaint received 2021-06-21
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: CA
Product: Credit reporting, credit repair services, or other personal consumer reports
Sub-product: Credit reporting
Issue: Improper use of your report
Sub-issue: Credit inquiries on your report that you don't recognize

Complaint:
I have about 15 inquiries that arent mine! Ive never applied for a vehicle or some of those creditors!

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 2017-03-27
Company: TRANSUNION INTERMEDIATE HOLDINGS, INC.
State: MD
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account status

Complaint:
The Company XXXX Car Loan I 'd reporting open when it 's in fact been charged off and closed since XXXX 2016 ... .I sent multiple letters to have it closed or removed my credit for inaccurate 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 2017-03-27
Company: Experian Information Solutions Inc.
State: CA
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I sent letter to all three bureaus seeking proof of accounts & bankruptcy but they keep saying all accounts and Bankruptcy are verified not giving any proof. But as per the Act every bureaus should provide valid proof. 
I need to know the next steps and what 's legal remedy we consumer have

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 2016-08-09
Company: I.C. System, Inc.
State: CA
Product: Debt collection
Sub-product: Medical
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
IC Systems has regularly and consistently called my phone number with the intent to harass or annoy. Calls are placed using an auto dialer and I when I answer the call is disconnected. Even though I have repeatedly announced that I am on the line and can hear agents typing, talking and laughing, the call is always disconnected by IC Systems. No matter how many times I have answered the call they continue to hang up. 

Additionally, when IC Systems first contacted me via mail about this bill, I responded by calling and letting them know this debt was disputed with XXXX Hospital and was under a Quality of Care review. The hospitals administration has admitted that the care received was not up to standards, including potential exposure to XXXX and XXXX due to staff failing to properly follow equipment sterilization processes, repeated lost XXXX and failure to be seen by a physician ; ultimately resulting in my leaving the hospital without care. A review of my file with the hospital administration showed it was hours before the hospital and staff realized I had left without being seen or discharged. 

I am asking IC Systems to cease contacting me and return the debt to XXXX Hospital to be forgiven. I do not feel like I should pay for substandard services that potentially endangered my life. I am also requesting this item to be suppressed and deleted from my credit bureau report.

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