BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2015-07-31
Company: EQUIFAX, INC.
State: CA
Product: Credit reporting
Issue: Improper use of my credit report
Sub-issue: Report improperly shared by CRC

Complaint:
I was interested in refinancing my home. I was contacted by telephone by XXXX XXXX, an employee of XXXX XXXX XXXX in XXXX, CA. I explained to XXXX XXXX that I had previously applied for a refinance loan with a company call XXXX XXXX which gave me misleading information, untrue information and generally did n't know what they were doing. XXXX XXXX assured me that would n't happen with XXXX XXXX XXXX. XXXX XXXX asked me a few questions regarding my finances and personal information, but when he asked me for my Social Security number I informed him I do n't give my Social Security number over the phone because of privacy issues ; I had been a victim of credit card fraud in the past. XXXX XXXX told me he could n't give me any accurate rate information without my Social Security number and that he could not proceed in giving me an accurate interest rate quote. I never agreed to apply for a loan with XXXX XXXX XXXX and in fact I was only shopping for interest rate information because of my disillusionment with XXXX XXXX. XXXX XXXX said he would email me an introduction letter and some other mortgage information. I checked my Equifax credit account, as I usually, do because of being a victim of credit card fraud and the leaking of information on XXXX and XXXX XXXX XXXX. I noticed a " hard inquiry '' by a company called XXXX XXXX XXXX XXXX XXXX XXXX XXXX, CA XXXX ( XXXX ) XXXXThey do credit inquiries for XXXX XXXX Loans. I never authorized, consented or had any knowledge that XXXX XXXX XXXX was going to do a " hard inquiry '' on my credit history which you know can affect credit worthiness of the consumer. I disputed " hard inquiry '' above with Equifax and was promptly told that I would have to contact XXXX XXXX. I did so and was told by XXXX XXXX I had to contact XXXX XXXX Loans, which I did. I received no explanation for their checking my credit history other than I must have applied for a home loan, which I did n't. Now Equifax is doing nothing to correct my credit history and has ceased investigating the issue leaving it to me. This seems a violation of the Fair Credit Reporting Act.

Company response to consumer: Closed with explanation
Consumer complaint received 2015-08-17
Company: EQUIFAX, INC.
State: NH
Product: Credit reporting
Issue: Credit monitoring or identity protection
Sub-issue: Billing dispute

Complaint:
I went XXXX XXXX XXXX in XXXX NH. 
Not knowing they did n't accept my XXXX. 
They did not tell me this when I went to I would n't have gone there. 
Got a bill from XXXX XXXX and called XXXX. They explained the situation to me but said this one time they would take care of the bill. Which they did. 
Not I receiving a bill from the DR who say me that day for 1 minute. He didnt even take a XXXX of even look at me in any way. So now I am receiving a bill from they Dr who saw me for {$370.00}. This is outrageous. XXXX already paid the XXXX and I never heard of the DR billing me separately. This is an exorbitant amount for someone to charge and I was only there for 1 minute. 
I am furious at this charge and now they are reporting me to credit. 
This is very unreasonable.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-05
Company: EQUIFAX, INC.
State: NJ
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Account terms

Complaint:
XXXX account XXXX was paid in full and not settlement. i have sent information indicating the account was paid in full. its being reported as settlement by XXXX and Equifax.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-11-15
Company: AES/PHEAA
State: NJ
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I am having trouble repaying my XXXX student loans for my account XXXX. Due to economic hardship I have asked for an Income-Driven Repayment Plan and received an offer of {$180.00} on XXXX XXXX 2016. However, Fed Loan Servicing on XXXX XXXX, 2016 sent me an invoice in the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00}. Please note that for me it is a stretch for me to pay the Income-Driven Repayment Plan and received an offer of {$180.00} but I am willing to do the sacrifice. However, it would be a financial burden to pay the amount asked for on the invoice sent by Fed Loan Servicing on XXXX XXXX, 2016 in the amount of {$1300.00}. Furthermore, reneging on the Income-Driven Repayment Plan offer of {$180.00} and asking me now to pay the amount of {$1300.00} which includes an amount past due of {$610.00} and a current payment of {$720.00} would be detrimental to me. By reneging Fedloan Services does not take into account the fact that I have no discretionary income to pay my student loans according to XXXX XXXX XXXX XXXX. I have asked for a minimum before but the provider has sent collections notices as well as threats of garnishment. Likewise, I have asked for XXXX as I am a XXXX but I as ill advised by Fed Loan Servicing that I do not qualify even though I work in an XXXX XXXX XXXX.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-02-22
Company: SYNCHRONY FINANCIAL
State: FL
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Dear Synchrony Bank this is my third time disputing the credit card transaction against XXXX. On XXXX XXXX, XXXX I received a letter from Synchrony Bank post-dated XXXX XXXX, XXXX in regards to a dispute for account ending in XXXX. According to the invoice provided by XXXX XXXX which his own invoice detailed what material and work was expected to be completed at my residence. In the invoice it is documented that the customer, I agreed upon to have granite counter top, installation, and wooden kitchen cabinets installed in the amount of {$7800.00}. Again In his own letter XXXX XXXX stated he never completed the job and not all the goods as promised upon by both parties have never been rendered or delivered. Therefore, I am disputing this charge once again ( 3rd time ) for the goods that I ordered in which were never provided, I was wronged by this transaction, and how can I be charged {$4000.00} for something I never received, was provided, or rendered in its entirety? We opted to utilize another company, XXXX and again I faxed a copy of their invoice showing the work and material that was never rendered by XXXX XXXX had to be repurchased in an amount more than {$4000.00}. As a consumer I would thoroughly appreciate if Synchrony Bank would do a comprehensive review of my dispute. I have faxed more than enough documentation, on XXXX/XXXX/XXXX I faxed a comprehensive report outlining my claim, but I am faxing the same information for the second time for you to review again. Secondly, if you find my claim to have enough merit, I would like Synchrony Bank to remove the funds from the merchants account and put it back onto my account. Despite XXXX XXXX no longer using Synchrony Bank is not matter of our concern as a consumer, because at the time of agreement of the services requested and goods that I thought I had ordered by myself the funds were never received to me from XXXX XXXX XXXX to XXXX as originally agreed upon on XXXX/XXXX/XXXX when I was pre-approved for an open line of credit with Synchrony Bank. 

Respectfully,

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-12-10
Company: SYNCHRONY FINANCIAL
State: AZ
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I made a {$350.00} promotional purchase at Lowes in XXXX that offered 6 months of no interest as long as I paid the minimum amount due and paid off the promotional balance in 6 months. I made almost {$3000.00} in payments in the 6 month period to pay down both the promotional balance and my existing balance, and Lowes did not credit any of my payments to the promotional balance. As a result, I was charged several hundred dollars in " deferred interest '' at the end of the 6 month period.

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 2016-02-23
Company: AES/PHEAA
State: PA
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Trouble with how payments are handled

Complaint:
I have a student loan from XX/XX/XXXX ( from 20 years ago ) and have paid many XXXX of dollars towards it. This past year alone, I paid nearly {$4000.00}. Last year I paid over {$5000.00}. The servicer is American Education Services. The principal balance is almost exactly the same since it was originally issued. This means that all that I have paid ( $ XXXX ) has gone towards interest and not the principal balance. The interest rate is quite high, 7.625 %, and with a large principal balance ( $ XXXX ), the monthly payments are high and I have done my best to pay them every month. However, sometimes I might miss a payment, or need to go on forbearance for a while ( after losing a job, etc ). This has resulted in any headway I made to be lost ... I have another student loan with a different servicer ( Navient ) that is from XX/XX/XXXX. The interest rate is much lower. The principal balance is about half of the original amount now, after 10 years of making payments. It was easier to keep up with those payments because of the lower interest rate ( 2.5 % ) and smaller principal balance ( $ XXXX ). In summary, I do n't think students should have to pay such high interest rates. In cases like mine, it can make it nearly IMPOSSIBLE to pay off the principal balance. Also, I do n't think in times of financial hardship, the interest rate should be allowed to accrue. Hopefully student loans can adopt these ideas in the future so other students wo n't have to suffer like me. 
Thanks, XXXX XXXX. I love XXXX XXXX!

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-17
Company: BARCLAYS BANK DELAWARE
State: MA
Product: Credit card
Issue: Rewards

Complaint:
On XXXX XXXX I decided to start shopping for flannel. Shortly thereafter I noticed there was a really attractive offer for an L.L. Bean Visa credit card, offered by Barclays. The specifics of the attractive offer was as follows : " Earn {$100.00} in L.L. Bean Coupon Dollars after you spend {$250.00} within the first 90 days of account opening '' This was great! I was tempted, and then I decided to go for it -I clicked on the link with the sign up bonus, went to the Barclay 's website, and on XXXX XXXX was approved for the credit card. Over the ensuing months I spent more than {$250.00} on L.L. Bean clothing, expecting to receive a {$100.00} in time for the holidays to get my mom something nice. However, when I sent a secure message to Barclays on Monday or Tuesday this week ( XXXX XXXX or XXXX ) asking about the status of the rewards, they claimed they had no records and could not help me. 

I expressed my surprise and pointed out that I had expressly acquired the card based on this offer -I considered it to be a bait and switch to deny me the offer. However, despite several calls, Barclays decided not to fully assist me, claiming that there was no way that similar offers could have been made within the recent past. I did my own research to show several occasions of similarly worded offers since XXXX 2016, exact phrasing was markedly similar to the advertisements show to me when : 1 ) XXXXwww.llbean.comXXXX XXXX XXXX 2016 -this is by far the most similar, except for the offer being {$50.00} statement credit rather than the {$100.00} in coupons shown to me XXXX 2 ) http : XXXX ( XXXX XXXX 2016 - showing that similar offers have been made in the recent past and in fact within two days my sign up XXXX 3 XXXX ( XXXX 2016 -again, illustrating similarly structured offers ) There are similar offers throughout 2016. I am extremely disappointed to have been taken like this -I thought I was a prudent, financially careful person, but Barclays has proved me wrong by illustrating just how ephemeral their offer to me was.

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 2016-12-28
Company: SYNCHRONY FINANCIAL
State: NY
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Dicks Sporting Goods credit card, Synchrony bank. Charged a fee for a " optional debt cancellation product '' called " Card Security '' as to which I never willingly participated in.

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 2015-09-25
Company: Experian Information Solutions Inc.
State: TX
Product: Credit reporting
Issue: Incorrect information on credit report
Sub-issue: Public record

Complaint:
I have disputed this item with Experian through the mail and over the phone several times and the last time I spoke with the customer service representative, he told me that he was doing me a favor by opening up XXXX more investigation. I sent Experian documentation showing that I have never had a tax lien and sent them records that I have from the CA XXXX website showing my tax history for the last 7 years. I was told that I would have to have the state of california issue a withdrawal of lien before they would remove it which is utterly IMPOSSIBLE!! and I currently live in another state. The will not accept anymore documentation from me to prove my case with them, which I already did. I need help!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-11-26
Company: Progressive Financial Services, Inc.
State: GA
Product: Debt collection
Sub-product: Federal student loan
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
They were sending my information to the wrong address, by the time I received the information, it was almost past the 30 day cut off and it was a weekend. I called them the first thing Monday and gave them my information and was told that I notified them in time. I sent her ( XXXX ) the personal and financial information that she requested and she used it against me. Two weeks later they started garnishing my wages for {$500.00} plus a month.

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-23
Company: SYNCHRONY FINANCIAL
State: VA
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
Synchrony Bank has begun charging me interest fees and late charges on my loan with them. I was to have an interest free loan for a number of years associated with my mattress purchase. I set up an automatic payment with my bank. The XX/XX/XXXX payment was made on XX/XX/XXXX because of the holidays. Synchrony did not credit my payment for XX/XX/XXXX, which has thrown everything off in their records, and despite the fact my regular amount payment to them has continued, late fees and finance charges have been building up. 

From my perspective, this is a bookkeeping problem on their end and I have lived up to my end of the bargain. I was apprehensive about this arrangement from the start for fear of being tricked into paying them fees and finance charges. My suspicions unfortunately are confirmed. 

Can you please help me with this? This anti consumer rip off type of practice should not be permitted by this awful financial institution.

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 2016-12-16
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Other

Complaint:
This is an extension of complaint XXXX. Syncrony bank states that they resolved the issue by mail. They resolved nothing. Nothing has been resolved with this matter. They violated FCRA XXXX here in California. I filed a case against them and I was unable to show up because I am temporairly XXXX and the court stated that I could file again against them if I chose to, which I plan to unless Synrony pays for the statuorty damages for contacting me by phone when i did not ask them to contact me by phone in writting and verbally. 

If Synchrony bank responds back stating that they have no record I will infact use that against them in court and they will have infact purgered themselves because they would be lying. I have all the records I need to show a judge ( AND ONLY THE JUDGE OR ON THE DAY SMALL CLAIMS COURT ) That I indeed was contacted and that the call was recorded. 

Please consider this my one any only chance to mediate this situation in the form of {$1000.00} in debt forgiveness or I will be filing for {$3000.00} in small claims court or perhaps giving this to a Civil attorney. 

Please do not contact me by phone about this matter you can email me, but no phone calls if you wish to discuss settlement 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 2016-10-10
Company: FIRST HORIZON BANK
State: TN
Product: Bank account or service
Sub-product: Checking account
Issue: Account opening, closing, or management

Complaint:
My wife recently found out that an account was opened under her name at first Tennessee bank without permission. I felt concerned and went into my online banking to see if something similar happened with me. and i found out it actually did happen 2 years ago. 
I went to First Tennessee Bank to open a personal loan on XXXX 2013. Apparently a checking account was opened same day. closed 60 days later. no statements were sent to my house. no debit card was ordered and the account was hidden from my online banking. 
I found the statements alert on my email. online banking system is blocking me from viewing any additional account details because the account was closed. 
I have been giving the bank business for 6 years now. they 've made money from me. and it is not honest from the bank 's end to use my info and take the liberty to open and close accounts for any reason. 
at the moment i do n't even know the reason behind this action it could be anything from account opening bonus fraud to money laundering, whatever it is i feel like my info was jeopardized and i 'm entitled to know what the reason it was used for. 
I know a few more people who had the same occurrence and similar complaints will follow.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-12-08
Company: SYNCHRONY FINANCIAL
State: GA
Product: Bank account or service
Sub-product: Savings account
Issue: Deposits and withdrawals

Complaint:
On XX/XX/XXXX I deposited {$240000.00} into Synchrony Bank Acct. XXXX. In XX/XX/XXXX, I requested that the account be closed and the balance ( {$250000.00} ) be paid to me. I never received the funds. The customer service rep ( XXXX ; XXXX X XXXX ) told me that the check was signed by me and returned to XXXX. They did not know what to do with it and could not contact me because the account was closed. To date, this matter has not been resoved and I am seeking payment of the funds owed 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: Stellar Recovery, Inc.
State: AZ
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Disclosure verification of debt
Sub-issue: Right to dispute notice not received

Complaint:
The company which placed negative information on my credit report is Stellar Recovery Inc. XXXX XXXX XXXX XXXX XXXX, XXXX XXXX, XXXX, MT XXXX ) which is a collection agency on behalf of XXXX. The original reporting on my credit apparently took place in XXXX 2015 however I have not, previous to phone conversations that I initiated on my own behalf due to seeing the negative input on my credit report, received any type of notice via phone, email, or regular mail of this debt. I have since settled this debt directly with XXXX in full however the negative remains on my credit report. It is my understanding that prior to the input on my credit report that this debt needed to be verified and I be given an opportunity to settle, pay outright or dispute the validity of this debt. I was never afforded this opportunity.

Company public response: Company believes it acted appropriately as authorized by contract or law
Company response to consumer: Closed with explanation
Consumer complaint received 2017-02-12
Company: BARCLAYS BANK DELAWARE
State: AZ
Product: Credit card
Issue: Late fee

Complaint:
have attempted to set up a monthly payment plan online with Barclaycard ( XXXX credit card ) and still received payment due emails. I thought I had made a mistake in XXXX, but now I know there is something faulty on their end. Today I received an email saying I had missed my payment, but I am sure I made the payment online before the due date. I can assure you that my credit is close to perfect, this company upgraded my credit line from XXXX to XXXX grand on their own, which shows that I am responsible. I tried to ask that they work with me, but in order to help me I have to have a confirmation number which I did n't think to print. I talked to XXXX in XXXX Nevada at XXXX XXXX today XXXX/XXXX/17 and was told that nothing could be done, I was simply stuck with a {$27.00} fee. He informed me that he sees a log in this month on the XXXX and he can usually see what I click on, but no payments or attempts were done. Soon after the call I payed the whole balance of {$1100.00} and made sure I took the confirmation number XXXX. This shows that I have had the money and do n't want to mess around and get stuck with extra fees. They are obviously having technical issues and think is unfair.

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