BEE-spoke-data/consumer-finance-complaints huggingface dataset:
Consumer complaint received 2017-01-21
Company: Navient Solutions, LLC.
State: NH
Product: Student loan
Sub-product: Non-federal student loan
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I am one of the victims of XXXX/Navient. I made the mistake of consolidating my loans XX/XX/XXXX! I originally borrowed XXXX. It is XX/XX/XXXX and I am still paying the XXXX payment every month. I am a XXXX and work in a district in need and have requested forgiveness twice. I 've paid triple what I borrowed and still have miles to go. Please help me.

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-24
Company: Conn's, Inc.
State: TX
Product: Consumer Loan
Sub-product: Installment loan
Issue: Taking out the loan or lease

Complaint:
Conns continually sends me notices stating that, due to my stellar payment history, they are increasing my credit line by anywhere from {$1000.00} to {$2500.00}. When I try to act on the notice by attempting to purchase a new appliance I am then either denied or given a much lower increase of approximately {$250.00}. Most recently a sales rep from a Conns store texted me telling me I had been approved for a {$2700.00} credit line increase and asked me if I was interested in purchasing anything. I told him I wanted a new refrigerator and the purchase process was begun. A day later I received a phone call from a very frustrated salesperson stating that he could not get the purchase approved and he could not tell me why nor did he understand why and told me that he felt like this was false advertising on Conns part. He acknowledged that I had a perfect payment history with the company and he was bewildered as to why the purchase was not approved nor could he get a satisfactory answer from the credit department as to why. These applications to purchase result in a hard hit to my credit file and I do feel that Conns is misrepresenting themselves and their offers for credit. I would like to make a purchase but at this point I am more interested in stopping the fraudulent advertising and fraudulent offers of credit as an attempt to get customers in to the store and, when they are denied, refer them to their Acceptance Now Program, which is a rent-to-own program at exorbitant interest rates. It is clearly a scam to try to get this other, fairly new, program off the ground. Please help. 

XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2017-03-15
Company: SYNCHRONY FINANCIAL
State: NC
Product: Credit card
Issue: Credit card protection / Debt protection

Complaint:
Synchrony Bank added a {$19.00} monthly card protection fee to my account. I was not made aware of this by bank.

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 2016-06-26
Company: BARCLAYS BANK DELAWARE
State: NY
Product: Credit card
Issue: Billing statement

Complaint:
My Barclasys JetBlue credit card is not counting credits ( returns ) that came in after statement closed but before payment for that statement is due against the total balance that is due. Every other bank and credit card that I have used ( all major banks and credit cards ) count the credit toward the current balance due. I feel like this is a bigger issue where they could be hitting customers with XXXX and needs to be addressed by the bank.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-30
Company: SYNCHRONY FINANCIAL
State: PA
Product: Credit card
Issue: Billing disputes

Complaint:
We bought a sofa and chair with their protection policy XX/XX/XXXX at JC Penneys and put it on my Penney 's credit card since it was three years interest free. We then order a recliner from them to match XX/XX/XXXX and was told it was one year interest free. I was concerned and the saleslady said they applied your payment to the first promotional balance first. This summer we noticed that our bill, which I had been making online payments to get rid of was almost right back where it began. I called and they explained that the chair had acrued interest because it was n't paid off by XX/XX/XXXX. We called and messaged JC Penneys trying to resolve the issue and then noticed even when we were making monthly payments they were charging late fees. For example, I paid two payments for XX/XX/XXXX to avoid any fees, etc. I noticed that we received a late fee and interest today. I called and the lady explained that I paid too soon but saw I made two payments for more than the minimun so she reversed both the interest and late fee. I then told her I noticed that this issue on past bills. She was going to open a case to see if they could look into the promotional balance issue. I have been going around and around with J C Penneys. So our furniture will now cost us more than double. Can you tell us if there is anything we can do to resolve this? Any help would be appreciated. Thank you for your time.

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 2015-05-30
Company: SYNCHRONY FINANCIAL
State: MI
Product: Credit card
Issue: Payoff process

Complaint:
I have an account with Care Credit ( Synchrony Bank ) for various XXXX related expenses. Their claim is pay within the stated time frame and there is no interest. I have XXXX separate promotional balances I am paying and all XXXX have different expiration dates ie, the date where no interest will be incurred if the balance is completely paid on that promotion. I received a statement last month stating a balance was due to expire ( ( {$540.00} ) and I sent {$300.00} expecting I would send another {$300.00} this month - pay off that balance and apply some money to another balance that is not due to expire until next year. Instead, they split my payment and applied only {$100.00} to the expiring balance making my payment this month {$430.00}. When I called them, I was told my payment would actually be {$430.00} plus {$210.00} ( the minimum balance ) to avoid interest charges on this particular promotion. This is outrageous and intentionally sets consumers up to 'fail ' so that they incur all these interest charges.

Company response to consumer: Closed with explanation
Consumer complaint received 2022-10-19
Company: CAPITAL ONE FINANCIAL CORPORATION
State: NC
Product: Credit card or prepaid card
Sub-product: General-purpose credit card or charge card
Issue: Problem with a purchase shown on your statement
Sub-issue: Credit card company isn't resolving a dispute about a purchase on your statement

Complaint:
My XXXX, XXXX XXXX, died on XX/XX/2021. I called Capital One to cancel his credit card account and I was informed that there were thousands of dollars of charges on his account that were made after he died. Capital One refused to tell me exactly what the charges were, but did tell me that they were made with the physical card by a " XXXX '' merchant selling healthcare services. I informed Capital One that these charges have to be fraudulent, as dead people can not make purchases from XXXX vendors of healthcare services with a physical card. Capital One customer service and various levels of " supervisors '' informed me that these charges can not be disputed because only the account owner can dispute charges. In this case, because the account owner is dead, there is nothing that can be done to dispute the charges. I later sent a letter to Capital One again informing them that these charges are fraudulent and asking them to stop attempting to collect fraudulent debt from my husband 's estate. They sent me a letter saying that they have investigated and that their investigation showed no signs of fraudulent activity. Apparently, in Capital One 's view, there is nothing indicative of fraud when a dead person uses a physical credit card to make purchases after he has died. Capital One 's letter further mentions that I may be contacted by a " third-party, '' which I assume means they are going to involve debt collectors in attempting to collect money from my husband 's estate for fraudulent credit card activity.

Company response to consumer: Closed with explanation
Consumer complaint received 2016-05-10
Company: TENET HEALTHCARE CORPORATION
State: IL
Product: Debt collection
Sub-product: Medical
Issue: Cont'd attempts collect debt not owed
Sub-issue: Debt was paid

Complaint:
I had a hospital bill that was paid late by my insurance company. The debt was sent to a collections agency that has agreed that the debt is not due, when I speak to them on the phone, after I sent the proof it was paid. They continue to keep a Collection on my Credit report that is lowering my credit score. I 've tried to dispute it with the credit reporting agencies but the system of disputing a debt is useless since they do n't confirm anything.

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 2015-08-11
Company: USA DISCOUNTERS LTD
State: OH
Product: Debt collection
Sub-product: Other (i.e. phone, health club, etc.)
Issue: Communication tactics
Sub-issue: Frequent or repeated calls

Complaint:
I purchased furniture from USA Living in XXXX on XX/XX/2015. The purchase price was about {$4300.00}. They also added on a warranty and something called debt cancellation program totaling over {$1500.00}. No one explained what the warranty was for or what the debt cancelation was or why I needed it. Neither of these charges were explained in the contract to me. I was XXXX when I signed this contract. I have recently found myself being overwhelmed with debt. They have been calling me 2 to 3 times a day hounding me and harassing me for my late payments. They threatened to contact my chain of command. I finally met with an XXXX Personal Financial Counselor and I asked them to stop contacting me by phone.

Company response to consumer: Closed
Consumer complaint received 2016-01-17
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: APR or interest rate

Complaint:
I had failed to make a timely credit card payment to Barclaycard XXXX XXXX. This was just a matter of forgetting to pay my bill. 
Received an email notification reminding me of my need to pay and that it was delinquent. My Account balance to pay was {$180.00}, due XXXX/XXXX/2016. My new statement with additional purchases of {$2700.00} arrived with a due date of XXXX/XXXX/2016. My new statement indicated a late fee of {$27.00} which is standard. It also had an interest XXXX of {$34.00} which is for the unpaid balance of {$180.00} and should not be applied to the new purchases until that payment is delinquent. So an interest charge of {$34.00} for {$180.00} equals 18.29 % for 1 month! or 220 % annualized. Check their math!

Company public response: Company chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2015-07-29
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Billing disputes

Complaint:
On XXXX XXXX, I made an automatic e-pay of {$4800.00} to my Banana Republic Credit Card ( Through Synchrony Bank XXXX account from my XXXX Checking Account. 
Additionally, forgetting I had e-pay set up, I had an additional payment made for the same amount. 
Realizing my mistake, I called my bank, XXXX, and asked them to return one of the payments. They proceeded to stop payment on ONE of the payments on XXXX XXXX. 
Unfortunately, you have listed TWO adjustments for that amount. When I spoke to one of your customer service representatives, she explained that she saw XXXX payments had been returned. This seems incorrect as XXXX adjustments have THE SAME reference number, when XXXX payments DID NOT. 
Since then, I have spoken to numerous people regarding the status. I was originally told I would have an answer by XXXX XXXX. When that came and went, I was told it was in process. As of my most recent call, today, I was told that there 's no way I can speak to someone on the payment correction team. As a result of this, I have had a late fee applied, interest charged. AND YOU CLOSED MY ACCOUNT ( which has since been reopened. seems crazy for one issue after I 've been a VERY GOOD CUSTOMER. ) I am attaching the statement from my checking account showing that one payment did, in fact go through.

Company response to consumer: Closed with monetary relief
Consumer complaint received 2016-02-05
Company: SYNCHRONY FINANCIAL
State: CA
Product: Credit card
Issue: Credit line increase/decrease

Complaint:
XXXX XXXX XXXX XXXX XXXX XXXX XXXX # XXXX, XXXX, XXXX XXXX/XXXX/XXXX XXXX, XXXX, XXXX XXXX,. 
XXXX XXXX XXXX, XXXX, XXXX XXXX - XXXX Consumer Financial Protection Bureau Case number # XXXX - Decision Not Fair enough AE Credit Card # XXXX I am not agreed your decision .it 's not fair enough .Please double checked my call records and your corporate office one of manager they agreed to grant Visa card. 
And also Universal data form AUD # XXXX bank submitted only removed account only. all the major credit report that account already removed and XXXX Hard inquiry on XXXX/XXXX/XXXX still remains. Please removed that hard inquiry as soon as possible Due to I have so many accounts maintain your bank and please reconsider my request. 
Until I am getting fair resolution I am keep sending complain though CFPB. 

Thanks XXXX XXXX XXXX

Company response to consumer: Closed with non-monetary relief
Consumer complaint received 2017-01-26
Company: SYNCHRONY FINANCIAL
State: GA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
I apply for a credit card in XX/XX/XXXX with Synchrony Bank and was told in a letter that I was approved. I have used the card on and off and always made on time payments, I pay off my card and as soon as I paid off my card they sent me a letter on XX/XX/XXXX stated that they were closing my account due to the things that were on my credit. However, when they pulled my credit it was where it needs to be to get approve, four months later they telling me that they are closing my account due to the things on my credit. I really think they closed my account because I paid off my balance and stopped using it.

Company public response: Company has responded to the consumer and the CFPB and chooses not to provide a public response
Company response to consumer: Closed with explanation
Consumer complaint received 2017-01-26
Company: Navient Solutions, LLC.
State: NY
Product: Student loan
Sub-product: Federal student loan servicing
Issue: Dealing with my lender or servicer
Sub-issue: Don't agree with fees charged

Complaint:
I have had student loans through sallie mae sold multiple times and now handled by Navient. Have been out of college 15 years and still have a large balance. These should have been paid off by now. When I try to contact Navient i get nowhere. 
I want to know how to get a history on my repayment and why this is not close to being done. 
Thanks you, XXXX XXXX

Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-21
Company: SYNCHRONY FINANCIAL
State: TX
Product: Credit card
Issue: Other

Complaint:
I do n't even know where to start. I have disputed this on consumerfinance.gov multiple times. There is INCORRECT information on my XXXX report that no one seems to be able to correct. XXXX says they verified with Synchrony bank ( # XXXX. ) Synchrony bank ( # XXXX ) says they do n't handle credit card divisions of the XXXX creditors- JC Penny , Lowes and Old Navy . Synchrony bank gave me another phone number to call, and they answered identifying themselves as Synchrony bank ( # XXXX ). They told me to have them do a credit bureau inquiry for my accounts. The first Synchrony Bank ( # XXXX ) phone number XXXX said they do n't understand why the credit report has their phone number. THIS is the Synchrony ( # XXXX ) that is showing incorrect information. They said they ca n't see my actual account to confirm I have XXXX balance. They gave me number to another Synchrony Bank ( - # XXXX ) XXXX who tells me they have the same information that I have showing XXXX balances, and dont have any idea who the " other '' Synchrony Bank ( # XXXX ) is. Synchrony bank ( # XXXX ) tells me to dispute this discrepancy, which I have through consumerfinance.gov and directly with XXXX. XXXX tells me to call synchrony bank and have they make corrections. These errors have caused my credit score with XXXX to drop by XXXX points. I have been turned down for a loan due to this. Synchrony bank told me to write to to FCRA. When I look up information for FCRA- it sends me to -- CONSUMERFINANCE.GOV! 
I have a XXXX balance with Old Navy and JC Penny. My balance with Lowes is incorrect. My good credit standing with XXXX XXXX showing a {$5000.00} credit limit paid in full has disappeared from XXXX ONLY XXXX I am at wits end. I will contact he consumer reporter at the news station and see if they can direct me somewhere that can help. I expect consumerfinance.gov to be able to figure this out. The letter I received from XXXX today says they " verified '' this information with Synchrony bank and it is staying on my report Obviously they did not verify anything.

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 2016-03-03
Company: SYNCHRONY FINANCIAL
State: MD
Product: Consumer Loan
Sub-product: Installment loan
Issue: Managing the loan or lease

Complaint:
I took a cruise on the XXXX XXXX from XXXX XXXX, XXXX to XXXX XXXX, XXXX. While on the cruise, I purchased artwork from Park West gallery. I purchased artwork on XXXX XXXX totaling {$250.00}. I then purchase additional artwork on XXXX XXXX totaling {$420.00}, for a grand total of {$670.00}. 
I received a bill from GE Capital Retail bank ( the bank ) in XXXX XXXX for a total of {$480.00}. The total sum was covered by a promotional deferred interest on the balance if paid in full by XXXX XXXX, XXXX. The current amount due was a minimum payment of {$25.00} by XXXX XXXX, XXXX. 
A payment of {$30.00} was made on XXXX XXXX, XXXX and successive payments of {$30.00} were made no later than XX/XX/XXXX through XX/XX/XXXX. A payment of {$330.00} was made on XXXX XXXX, XXXX, representing the full balance due. I received a statement from the bank in XXXX, XXXX, indicating that the balance was now XXXX. 
Nearly a year later, I took cruise on the XXXX XXXX from XXXX XXXX to XXXX XXXX, XXXX. Upon checking my XXXX XXXX ( XXXX ) XXXX after the cruise, I noticed a charge of {$180.00} to XXXX dated XXXX XXXX, XXXX. As we did not purchase any artwork on this cruise, I immediately contacted XXXX and disputed the charge. XXXX removed the charge, however, I received a letter from XXXX XXXX XXXX/Synchrony Bank ( Synchrony ) dated XXXX XXXX, XXXX indicating that they were investigating the disputed transaction. 
I received a bill from XXXX in XXXX, XXXX, indicating that I had a {$180.00} balance due from a transaction dated XXXX XXXX, XXXX. As I did not make a purchase on that date, I did not make any payment. Apparently, it makes no difference to Synchrony, since I am still receiving bills from them with ever increasing interest amounts for a purchase I did not make. After checking my receipts, I now realize that the bank made a mistake on the amount owed in XXXX, however, I am appalled that Synchrony tried to charge my XXXX account over a year later without authorization or notification that there was any outstanding debt.

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 2016-07-20
Company: CARDINAL FINANCIAL COMPANY, LIMITED PARTNERSHIP
State: IN
Product: Debt collection
Sub-product: I do not know
Issue: Taking/threatening an illegal action
Sub-issue: Threatened arrest/jail if do not pay

Complaint:
today I received a call at work from Cardinal - XXXX XXXX at XXXX and my cell phone using the number XXXX x XXXX. She is threatening to prosecute and have me picked up. they want {$2700.00} and then changed the amount to {$500.00}. They are calling me at work. They are calling my family. They called my dad last night in Illinois. we are all on the do not call list. I filed a report with the FTC ref # XXXX. This is a Scam. I want it stopped and I want them to quit calling family. They are leaving automated messages and leaving messages for me on family phone numbers. they are crossing the line at calling me at work. Please HELP!!!!! 

I have no idea what they are doing other than trying to collect money, which they are not going to get. I have never heard of this company.

Company public response: Company believes complaint caused principally by actions of third party outside the control or direction of the company
Company response to consumer: Closed with explanation
Consumer complaint received 2016-10-25
Company: BANK OF AMERICA, NATIONAL ASSOCIATION
State: AZ
Product: Bank account or service
Sub-product: Other bank product/service
Issue: Account opening, closing, or management

Complaint:
Threatened by Bank of America ( BofA ) with foreclosure proceeding regarding a HELOC account in which I was behind on my payments. i was sent a letter from BofA on XXXX/XXXX/16 listing 5 options available to me from BofA to prevent a foreclosure sale of my property which I have owned for 30 years. Option 1 was a " Full Payoff '' which I decided to do. I asked for a payoff statement and received it on XXXX/XXXX/16 which was good thru XXXX/XXXX/16. On that statement was an additional amount of {$4000.00} added by the bank as " uncollected fees ''. In talking to someone at BofA they stated that was for a loan modification. I had called the bank on XXXX/XXXX/16 telling them I would be sending a full payment and did not want to do a " Loan Modification ''. I was told not to worry as the {$4000.00} fee would be deducted if a " Full Payoff made. I sold my house of 30 years to an investor who paid Bank of America on XXXX/XXXX/16 the full amount owed including the Loan Modification fee. I have been trying to call BofA for the past 5 days to discuss this issue, but I am unable to get thru to a live person. All I get is a recorded messages which send you in an endless circle of transferred calls. Any help you can provide would be greatly appreciated.

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 2015-12-09
Company: BARCLAYS BANK DELAWARE
State: CA
Product: Credit card
Issue: Closing/Cancelling account

Complaint:
Barclays closed my Wyndham Rewards card out of the blue. I had paid the annual fee of {$69.00} 5 months before closure and now I can not reap the rewards of this annual-fee credit card.

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